/* ============================================
   Full Circle Insurance Brokers
   Scroll-story layout inspired by endspeciesism.org
   ============================================ */

:root {
  --black: #111111;
  --black-dark: #000000;
  --dark: #1a1a1a;
  --green: #00c853;
  --green-hover: #00a844;
  --green-light: #69f0ae;
  --green-dark: #0f2e1c;
  --logo-glow-1: 15, 46, 28;
  --logo-glow-2: 0, 168, 68;
  --logo-glow-3: 0, 200, 83;
  --logo-glow-4: 105, 240, 174;
  --navy: var(--black);
  --navy-dark: var(--black-dark);
  --navy-light: var(--dark);
  --gold: var(--green);
  --gold-hover: var(--green-hover);
  --gold-light: var(--green-light);
  --white: #ffffff;
  --off-white: #f7f8fa;
  --gray-100: #f0f2f5;
  --gray-200: #e2e6eb;
  --gray-400: #9aa5b4;
  --gray-600: #5a6678;
  --gray-800: #2d3748;
  --text: #3d4f63;
  --shadow-sm: 0 2px 8px rgba(27, 58, 92, 0.08);
  --shadow-md: 0 8px 30px rgba(27, 58, 92, 0.12);
  --shadow-lg: 0 16px 48px rgba(27, 58, 92, 0.16);
  --radius: 4px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans: 'Source Sans 3', -apple-system, BlinkMacSystemFont, sans-serif;
  --header-bar-height: 120px;
  --header-aside-height: 120px;
  --header-search-height: 38px;
  --mobile-cta-height: 0px;
  --header-inner-height: max(var(--header-bar-height), var(--header-aside-height));
  --header-height: calc(var(--header-inner-height) + var(--header-search-height));
  /* Responsive breakpoints: 1024px+ desktop, 768px tablet, 480px phone */
  --bp-desktop: 1024px;
  --bp-tablet: 768px;
  --bp-phone: 480px;
  /* Scroll-story timing: each chapter image stays pinned equally long */
  --chapter-scroll-height: 200vh;
  --chapter-enter-height: 155vh;
  --chapter-overlap: 100vh;
  --chapter-mobile-min-height: 100svh;
  --fcib-photo-brightness: 1.25;
  --fcib-carrier-image-brightness: 1.275;
  --fcib-carrier-image-filter: brightness(var(--fcib-carrier-image-brightness)) contrast(1.03) saturate(0.97);
  --text-outline-black:
    -1px -1px 0 #000,
    1px -1px 0 #000,
    -1px 1px 0 #000,
    1px 1px 0 #000,
    0 -1px 0 #000,
    0 1px 0 #000,
    -1px 0 0 #000,
    1px 0 0 #000,
    0 0 5px rgba(0, 0, 0, 0.85);
}

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

html {
  scroll-behavior: auto;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

html.fcib-ready {
  scroll-behavior: smooth;
}

html.fcib-scroll-lock,
html.fcib-scroll-lock body {
  overflow: hidden !important;
  scroll-behavior: auto !important;
}

body {
  font-family: var(--font-sans);
  color: var(--text);
  line-height: 1.7;
  background: var(--white);
  overflow-x: hidden;
}

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

.chapter__sticky > .chapter__bg,
.contact-cta__img,
.quick-action__img,
.docs-scene__bg,
.value-props__hero-bg,
.story-family__card img {
  max-width: none;
}

.chapter__sticky > .chapter__bg,
.docs-scene__bg,
.value-props__hero-bg,
.quick-action__img,
.story-family__card img,
.lifestyle__panel img,
.hero__image,
.about-bio__media img,
.insight-card__photo,
.insight-article__photo,
.scroll-panel img {
  filter: brightness(var(--fcib-photo-brightness));
}

.chapter__sticky > .chapter__bg {
  height: 108%;
  min-height: 108%;
}

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

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Skip Links */
.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 8px 16px;
  font-weight: 600;
  z-index: 9999;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 16px;
}

/* Black outline keeps white/light copy readable on photos and overlays */
.chapter__title,
.chapter__coverage,
.enter__title,
.enter__eyebrow,
.enter__eyebrow--active,
.enter__eyebrow--soon,
.enter__scroll,
.enter__hero-center,
.hero__eyebrow,
.hero__phone,
.main-nav__list > li > a,
.site-header.scrolled .main-nav__list > li > a,
.site-header__utility,
.site-header__utility .site-header__link,
.lang-switch__btn:not(.is-active),
.chapter-nav__num,
.chapter-nav__name,
.chapter-nav__heading,
.value-props .section-title,
.value-props__lead,
.mobile-cta-bar__btn,
.main-nav__priority-btn,
.contact-cta__content .section-title--light,
.contact-cta__content p,
.lifestyle__caption,
.lifestyle__caption h3,
.lifestyle__caption p,
.road-coverage__title,
.road-coverage__lead,
.road-coverage__note,
.about-bio__caption,
.quick-action__label,
.carrier-strip__label,
.docs-tab,
.journey .btn--outline,
.story__scroll-hint,
.agent-chat-fab,
.story-audio-toggle,
.site-footer,
.site-footer .footer__links h4,
.site-footer a,
.section-title--light {
  text-shadow: var(--text-outline-black);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  border: 2px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn--green,
.btn--gold {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}

.btn--green:hover,
.btn--gold:hover {
  background: var(--green-hover);
  border-color: var(--green-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn--dark,
.btn--navy {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}

.btn--dark:hover,
.btn--navy:hover {
  background: var(--black-dark);
  border-color: var(--black-dark);
}

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

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

.btn--outline-dark,
.btn--outline-navy {
  background: transparent;
  color: var(--black);
  border-color: var(--black);
}

.btn--outline-dark:hover,
.btn--outline-navy:hover {
  background: var(--black);
  color: var(--white);
}

.btn--lg {
  padding: 16px 36px;
  font-size: 0.95rem;
}

.btn--full {
  width: 100%;
}

.btn--header {
  padding: 21px 42px;
  font-size: 1.66rem;
}

/* Header */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 250;
  background: transparent;
  border-bottom: none;
  transition: background 0.4s ease, box-shadow 0.4s ease;
}

.site-header.is-post-story::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background: linear-gradient(
    180deg,
    rgba(247, 248, 250, 0.68) 0%,
    rgba(247, 248, 250, 0.63) 72%,
    rgba(247, 248, 250, 0) 100%
  );
  transition: background 0.35s ease;
}

.site-header.is-post-story.is-on-dark-hero::before {
  background: linear-gradient(
    180deg,
    rgba(10, 10, 10, 0.57) 0%,
    rgba(10, 10, 10, 0.41) 68%,
    rgba(10, 10, 10, 0) 100%
  );
}

.header-fade-target {
  transition: opacity 0.15s linear, -webkit-mask-image 0.15s linear, mask-image 0.15s linear;
  will-change: opacity, mask-image;
}

.header-fade-image {
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-position: 0 0;
  mask-position: 0 0;
}

.journey ~ section {
  scroll-margin-top: calc(var(--header-height) + 16px);
}

.site-header.scrolled {
  background: transparent;
  box-shadow: none;
}

.site-header.scrolled .main-nav__list > li > a {
  color: var(--white);
}

.site-header.scrolled .main-nav__list > li > a:hover {
  color: var(--green-light);
}

.site-header.scrolled .nav-toggle span {
  background: var(--white);
}

.site-header__inner {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  width: 100%;
  max-width: none;
  padding: 8px clamp(28px, 3vw, 84px) 6px;
}

.site-header__search {
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
  min-height: var(--header-search-height);
  padding-bottom: clamp(6px, 0.55vw, 10px);
  position: relative;
  z-index: 221;
}

.site-header__bar {
  display: flex;
  align-items: flex-start;
  gap: clamp(10px, 1.2vw, 24px);
  width: 100%;
  min-height: var(--header-inner-height);
  flex-wrap: nowrap;
  overflow: visible;
}

.site-header__aside {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 10px;
  flex: 0 0 auto;
  margin-left: auto;
  max-width: min(300px, 26vw);
  pointer-events: none;
}

.site-header__aside > * {
  pointer-events: auto;
}

.site-header__aside .site-header__phone {
  position: relative;
  z-index: 3;
  transform: translateX(-3.5in);
}

.site-header__quote {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: -1in;
  position: relative;
  z-index: 1;
}

.site-header__states {
  margin: 0;
  max-width: 100%;
  text-align: center;
  line-height: 1.45;
  font-size: clamp(0.68rem, 1.5vw, 0.82rem);
}

.logo-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 6px;
  flex: 0 0 auto;
  min-width: 0;
  padding-block: 4px;
  overflow: visible;
}
.logo-stack .meet-link {
  font-size: 0.75rem;
  font-weight: 600;
  color: #4ade80;
  background: rgba(74, 222, 128, 0.15);
  border: 1px solid rgba(74, 222, 128, 0.35);
  padding: 4px 12px;
  border-radius: 9999px;
  text-decoration: none;
  display: inline-block;
  margin-left: 6px;
  transition: all 0.25s ease;
  white-space: nowrap;
}

.logo-stack .meet-link:hover {
  background: rgba(74, 222, 128, 0.25);
  border-color: rgba(74, 222, 128, 0.6);
  color: #ffffff;
  transform: translateY(-1px);
}

.logo {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  flex: 0 1 auto;
  min-width: 0;
  max-width: min(525px, 42.5vw);
  line-height: 0;
  overflow: visible;
}

.logo-stack .lang-switch {
  flex-shrink: 0;
  align-self: flex-start;
  /* Center under the circular emblem on the left of the logo */
  margin-left: calc(clamp(105px, 10vw, 149px) * 0.44);
  transform: translateX(-50%);
}

@keyframes fcib-logo-halo {
  0%, 100% {
    filter:
      drop-shadow(0 0 6px rgba(var(--logo-glow-1), 0.4))
      drop-shadow(0 0 14px rgba(var(--logo-glow-1), 0.22))
      drop-shadow(0 0 26px rgba(var(--logo-glow-1), 0.1));
  }

  25% {
    filter:
      drop-shadow(0 0 8px rgba(var(--logo-glow-2), 0.48))
      drop-shadow(0 0 18px rgba(var(--logo-glow-2), 0.28))
      drop-shadow(0 0 30px rgba(var(--logo-glow-2), 0.12));
  }

  50% {
    filter:
      drop-shadow(0 0 10px rgba(var(--logo-glow-3), 0.56))
      drop-shadow(0 0 22px rgba(var(--logo-glow-3), 0.34))
      drop-shadow(0 0 36px rgba(var(--logo-glow-3), 0.16));
  }

  75% {
    filter:
      drop-shadow(0 0 12px rgba(var(--logo-glow-4), 0.7))
      drop-shadow(0 0 26px rgba(var(--logo-glow-4), 0.45))
      drop-shadow(0 0 42px rgba(var(--logo-glow-4), 0.22));
  }
}

.logo__img,
.fcib-logo {
  display: block;
  width: auto;
  max-width: 100%;
  height: auto;
  max-height: clamp(60px, 5.5vw, 78px);
  aspect-ratio: 638 / 329;
  object-fit: contain;
  animation: fcib-logo-halo 5s ease-in-out infinite;
  will-change: filter;
}

.main-nav__mobile-only {
  display: none !important;
}

.main-nav {
  flex: 1 1 auto;
  align-self: center;
  min-width: 0;
  display: flex;
  justify-content: center;
  overflow: visible;
}

.site-search {
  position: relative;
  width: min(100%, 520px);
  margin: 0 auto;
}

.site-search__field {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  padding: 5px 6px 5px 14px;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  background: rgba(0, 0, 0, 0.28);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.22);
  transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
}

.site-search__field:focus-within {
  border-color: rgba(0, 200, 83, 0.65);
  background: rgba(0, 0, 0, 0.42);
  box-shadow: 0 0 0 2px rgba(0, 200, 83, 0.18);
}

.site-search__icon {
  flex-shrink: 0;
  color: rgba(255, 255, 255, 0.72);
}

.site-search__input {
  flex: 1 1 auto;
  min-width: 0;
  border: 0;
  background: transparent;
  color: #fff;
  font-family: inherit;
  font-size: clamp(0.88rem, 1vw, 1rem);
  line-height: 1.3;
  padding: 6px 0;
}

.site-search__input::placeholder {
  color: rgba(255, 255, 255, 0.58);
}

.site-search__input::-webkit-search-cancel-button {
  -webkit-appearance: none;
}

.site-search__submit {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border: 0;
  border-radius: 999px;
  background: var(--green);
  color: #0d2a22;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}

.site-search__submit:hover {
  background: var(--green-light);
}

.site-search__submit:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.site-search__results {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  right: 0;
  margin: 0;
  padding: 6px;
  list-style: none;
  border-radius: 14px;
  background: #fff;
  border: 1px solid rgba(13, 42, 34, 0.12);
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.22);
  max-height: min(320px, 52vh);
  overflow-y: auto;
}

.site-search__option,
.site-search__empty {
  padding: 11px 14px;
  border-radius: 10px;
  font-size: 0.98rem;
  line-height: 1.35;
  color: var(--navy-dark);
}

.site-search__option {
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}

.site-search__option:hover,
.site-search__option.is-active {
  background: rgba(0, 200, 83, 0.12);
  color: #0d2a22;
}

.site-search__empty {
  color: rgba(13, 42, 34, 0.62);
  font-style: italic;
}

.main-nav__list {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: nowrap;
  gap: clamp(6px, 0.8vw, 14px);
}

.main-nav__list > li > a {
  color: var(--white);
  font-weight: 500;
  font-size: clamp(0.95rem, 1vw, 1.15rem);
  letter-spacing: 0.02em;
  position: relative;
  padding: 8px 0;
  white-space: nowrap;
}

.lang-switch {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 2px;
  padding: 4px;
  border-radius: 999px;
  background: rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.22);
  box-shadow: 0 1px 8px rgba(0, 0, 0, 0.35);
}

.lang-switch__btn {
  appearance: none;
  border: 0;
  background: transparent;
  color: rgba(255, 255, 255, 0.82);
  font-family: inherit;
  font-size: 0.97rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 10px;
  border-radius: 999px;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease;
}

.lang-switch__btn:hover {
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
}

.lang-switch__btn.is-active {
  color: #0d2a22;
  background: var(--green-light);
}

.site-header__utility {
  display: flex;
  align-items: center;
  align-self: center;
  gap: clamp(8px, 0.8vw, 14px);
  flex: 0 0 auto;
  font-size: clamp(0.92rem, 0.95vw, 1.12rem);
  color: rgba(255, 255, 255, 0.85);
  white-space: nowrap;
  overflow: visible;
}

.site-header__phone {
  display: inline-flex;
  align-items: center;
  gap: clamp(6px, 0.6vw, 10px);
  flex: 0 0 auto;
  font-size: clamp(1.0rem, 1.1vw, 1.25rem);
  font-weight: 600;
  color: inherit;
  white-space: nowrap;
  text-shadow: none;
}

.site-header__phone svg {
  width: 35px;
  height: 35px;
  flex-shrink: 0;
  color: var(--green-light);
  display: inline-block;
  transform-origin: 50% 85%;
  animation: fcib-phone-ring 2.4s linear infinite;
  will-change: transform;
}

.site-header__phone-number,
.mobile-cta-bar__phone {
  color: #000;
  text-shadow:
    0 0 4px var(--green-light),
    0 0 10px var(--green),
    0 0 18px rgba(0, 200, 83, 0.8),
    0 0 28px rgba(0, 200, 83, 0.5);
  transition: text-shadow var(--transition);
}

.site-header__phone:hover .site-header__phone-number,
.mobile-cta-bar__call:hover .mobile-cta-bar__phone {
  text-shadow:
    0 0 6px var(--green-light),
    0 0 14px var(--green),
    0 0 24px rgba(0, 200, 83, 0.95),
    0 0 36px rgba(0, 200, 83, 0.65);
}

@keyframes fcib-phone-ring {
  0%, 58%, 100% {
    transform: translate3d(0, 0, 0) rotate(0deg);
  }

  2% {
    transform: translate3d(-3px, 1px, 0) rotate(-9deg);
  }

  4% {
    transform: translate3d(3px, -1px, 0) rotate(9deg);
  }

  6% {
    transform: translate3d(-3px, -1px, 0) rotate(-8deg);
  }

  8% {
    transform: translate3d(3px, 1px, 0) rotate(8deg);
  }

  10% {
    transform: translate3d(-2px, 0, 0) rotate(-5deg);
  }

  12% {
    transform: translate3d(2px, 0, 0) rotate(5deg);
  }

  14% {
    transform: translate3d(0, 0, 0) rotate(0deg);
  }

  30% {
    transform: translate3d(-3px, 1px, 0) rotate(-8deg);
  }

  32% {
    transform: translate3d(3px, -1px, 0) rotate(8deg);
  }

  34% {
    transform: translate3d(-2px, -1px, 0) rotate(-6deg);
  }

  36% {
    transform: translate3d(2px, 1px, 0) rotate(6deg);
  }

  38% {
    transform: translate3d(0, 0, 0) rotate(0deg);
  }

  48% {
    transform: translate3d(-2px, 1px, 0) rotate(-7deg);
  }

  50% {
    transform: translate3d(2px, -1px, 0) rotate(7deg);
  }

  52% {
    transform: translate3d(-2px, 0, 0) rotate(-5deg);
  }

  54% {
    transform: translate3d(2px, 0, 0) rotate(5deg);
  }

  56% {
    transform: translate3d(0, 0, 0) rotate(0deg);
  }
}

.site-header__phone:hover svg,
.main-nav__priority-btn--call:hover svg,
.mobile-cta-bar__call:hover svg {
  animation-play-state: paused;
}

.main-nav__priority-btn--call svg,
.mobile-cta-bar__call svg {
  display: inline-block;
  flex-shrink: 0;
  transform-origin: 50% 85%;
  animation: fcib-phone-ring 2.4s linear infinite;
  will-change: transform;
}

.site-header__link:hover {
  color: var(--gold);
}

.site-header__divider {
  opacity: 0.35;
}

.site-header__link {
  color: rgba(255, 255, 255, 0.85);
}

.main-nav__list > li > a::after {
  content: '';
  position: absolute;
  bottom: -9px;
  left: 0;
  width: 0;
  height: 9px;
  background: var(--gold);
  transition: width var(--transition);
}

.main-nav__list > li > a:hover::after {
  width: 100%;
}

.has-dropdown {
  position: relative;
}

.dropdown {
  position: absolute;
  top: 100%;
  left: -18px;
  background: var(--white);
  min-width: 225px;
  padding: 14px 0;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(9px);
  transition: all var(--transition);
}

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

.dropdown a {
  display: block;
  padding: 9px 22px;
  color: var(--navy);
  font-size: 1.35rem;
}

.dropdown a:hover {
  background: var(--gray-100);
  color: var(--gold);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  align-self: flex-start;
  flex-shrink: 0;
  gap: 21px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 32px;
}

.nav-toggle span {
  display: block;
  width: 95px;
  height: 9px;
  background: var(--white);
  transition: all var(--transition);
}

/* Hero */
.hero {
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero__image {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(0, 0, 0, 0.55) 0%,
    rgba(0, 0, 0, 0.4) 40%,
    rgba(0, 0, 0, 0.65) 100%
  );
}

.hero__content {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 160px 24px 100px;
}

.hero__phone {
  display: inline-block;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--green-light);
  margin-bottom: 24px;
  letter-spacing: 0.04em;
  transition: color var(--transition);
}

.hero__phone:hover {
  color: var(--green);
}

.hero__eyebrow {
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 600;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 40px;
}

.hero__actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Intro Section */
.intro {
  padding: 100px 0;
  background: var(--white);
}

.intro__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.section-eyebrow {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold);
  margin-bottom: 16px;
}

.section-title {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 24px;
}

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

.section-title--light {
  color: var(--white);
}

.intro__text p {
  margin-bottom: 16px;
  font-size: 1.05rem;
}

.intro__text .btn {
  margin-top: 16px;
}

.intro__image {
  position: relative;
}

.intro__image img {
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

.intro__image::before {
  content: '';
  position: absolute;
  top: -16px;
  right: -16px;
  width: 100%;
  height: 100%;
  border: 3px solid var(--green);
  border-radius: var(--radius);
  z-index: -1;
}

/* Lifestyle City & Beach */
.lifestyle__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
}

.lifestyle__panel {
  position: relative;
  overflow: hidden;
  min-height: 380px;
}

.lifestyle__panel img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.lifestyle__panel:hover img {
  transform: scale(1.05);
}

.lifestyle__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.82) 0%, rgba(0, 0, 0, 0.25) 60%);
}

.lifestyle__caption {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 40px 36px;
  z-index: 1;
  color: var(--white);
}

.lifestyle__caption h3 {
  font-family: var(--font-serif);
  font-size: 1.75rem;
  margin-bottom: 8px;
}

.lifestyle__caption p {
  font-size: 1rem;
  opacity: 0.9;
  margin-bottom: 20px;
  max-width: 360px;
}

/* Services */
.services {
  padding: 0;
  background: var(--off-white);
}

.services__wrap {
  max-width: 100%;
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0;
}

.service-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 40px 16px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
  min-height: 180px;
}

.service-card:hover {
  background: var(--black);
  border-color: var(--black);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  z-index: 1;
}

.service-card:hover h3 {
  color: var(--white);
}

.service-card:hover .service-card__icon {
  color: var(--gold);
}

.service-card__icon {
  width: 48px;
  height: 48px;
  color: var(--navy);
  margin-bottom: 16px;
  transition: color var(--transition);
}

.service-card__icon svg {
  width: 100%;
  height: 100%;
}

.service-card h3 {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  transition: color var(--transition);
}

.service-card--all {
  background: var(--black);
  border-color: var(--black);
}

.service-card--all h3 {
  color: var(--white);
}

.service-card--all .service-card__icon {
  color: var(--gold);
}

.service-card--all:hover {
  background: var(--green);
  border-color: var(--green);
}

/* Section dividers */
.section-divider {
  display: block;
  margin: 0;
  padding: 0;
  border: none;
}

.section-divider--carriers-insights {
  height: clamp(28px, 4vw, 48px);
  background: linear-gradient(
    to bottom,
    var(--white) 0%,
    var(--gray-100) 55%,
    var(--off-white) 100%
  );
}

/* Carriers */
.carriers {
  padding: 88px 0 72px;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}

.carriers__header {
  max-width: 720px;
  margin: 0 auto 40px;
  text-align: center;
}

.carriers__lead {
  color: var(--gray-600);
  font-size: 1.05rem;
  line-height: 1.7;
}

.carriers__map-panel {
  max-width: 760px;
  margin: 0 auto 48px;
}

.carriers--map {
  overflow-x: clip;
}

.carriers--map .carriers__map-panel {
  position: relative;
  isolation: isolate;
  overflow: visible;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  padding: clamp(24px, 4vw, 36px) 0 clamp(20px, 3vw, 28px);
  border-radius: 0;
}

.carriers--map .carriers__map-stage {
  position: relative;
  isolation: isolate;
  overflow: visible;
}

.carriers--map .carriers__map-scene {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  z-index: 0;
  width: 100vw;
  transform: translateX(-50%);
  overflow: hidden;
  pointer-events: none;
}

.carriers--map .carriers__map-scene::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    165deg,
    rgba(255, 255, 255, 0.8) 0%,
    rgba(247, 248, 250, 0.66) 45%,
    rgba(255, 255, 255, 0.86) 100%
  );
}

.carriers--map .carriers__map-logos {
  position: absolute;
  inset: 0;
  z-index: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(72px, 1fr));
  grid-auto-rows: minmax(38px, 1fr);
  gap: 8px;
  padding: 10px clamp(12px, 2vw, 24px);
  align-content: stretch;
  height: 100%;
  opacity: 0.92;
}

.carriers--map .carriers__map-logos img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 38px;
  object-fit: contain;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(226, 230, 235, 0.9);
  border-radius: 4px;
  padding: 5px 7px;
  filter: var(--fcib-carrier-image-filter);
}

.carriers--map .carriers__map-eyebrow {
  margin: 0 0 8px;
  text-align: center;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-hover);
}

.carriers--map .carriers__map-label,
.carriers--map .carriers__legend,
.carriers--map .carriers__status {
  color: var(--gray-800);
}

.carriers--map .carriers__map-credit {
  margin: 14px 0 0;
  text-align: center;
  font-size: 0.72rem;
  line-height: 1.5;
  color: var(--gray-600);
}

.carriers--map .carriers__legend-swatch {
  border-color: var(--gray-200);
}

.carriers--map .carriers__status--soon {
  color: #ffe9a8;
}

.carriers__map-label {
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 12px;
}

.carriers__legend {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px 24px;
  margin-bottom: 16px;
  font-size: 0.82rem;
  color: var(--gray-600);
}

.carriers__legend li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.carriers__legend-swatch {
  width: 14px;
  height: 14px;
  border-radius: 2px;
  border: 1px solid var(--gray-200);
}

.carriers__legend-swatch--active {
  background: #000000;
}

.carriers__legend-swatch--soon {
  background: #8490a0;
}

.carriers__map {
  background: var(--off-white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 20px 16px 12px;
}

.carriers--map .carriers__map {
  position: relative;
  z-index: 1;
  background: transparent;
  border: 2px solid var(--green);
  border-radius: var(--radius);
  box-shadow: 0 0 0 1px rgba(0, 0, 0, 0.35);
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
}

.carriers--map .carriers__map svg,
.carriers--map .carriers__map-svg {
  position: relative;
  z-index: 1;
}

.carriers__map svg,
.carriers__map-svg {
  display: block;
  width: 100%;
  height: auto;
}

.carriers__map .state-path {
  fill: #c8ced8;
  stroke: #ffffff;
  stroke-width: 1;
  transition: fill var(--transition);
  cursor: default;
}

.carriers__map .state-label {
  fill: #ffffff;
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 700;
  pointer-events: none;
  user-select: none;
}

.carriers__map .state-map__hit--active.state-path,
.carriers__map .state-map__hit--soon.state-path {
  cursor: pointer;
}

.carriers__map .state-map__hit--active.state-path {
  fill: #000000;
}

.carriers__map .state-map__hit--soon.state-path {
  fill: #8490a0;
}

.carriers__map .state-map__hit--active.state-path:hover,
.carriers__map .state-map__hit--soon.state-path:hover,
.carriers__map .state-path.is-selected {
  fill: var(--green);
}

.carriers__map .state-map__hit--active.state-label,
.carriers__map .state-map__hit--soon.state-label {
  pointer-events: auto;
  cursor: pointer;
}

.carriers__map .state-map__hit--soon.state-label {
  fill: #1a1a1a;
}

.carriers__map .state-map__hit:focus-visible {
  outline: 2px solid var(--green);
  outline-offset: 2px;
}

.carriers__status {
  margin-top: 16px;
  text-align: center;
  font-size: 0.95rem;
  color: var(--gray-600);
}

.carriers__status--soon {
  color: #9a7b2d;
}

.carriers__results {
  display: grid;
  gap: 28px;
}

.carriers__category {
  background: var(--off-white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 28px 24px;
}

.carriers__category h3 {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--green);
}

.carriers__list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(148px, 1fr));
  gap: 14px;
}

.carriers__list li {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 72px;
  padding: 14px 16px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.carriers__list li:hover,
.carriers__list .carrier-info-trigger:hover {
  border-color: rgba(0, 200, 83, 0.45);
  box-shadow: var(--shadow-sm);
}

.carriers__list img {
  display: block;
  width: auto;
  max-width: 100%;
  height: auto;
  max-height: 42px;
  object-fit: contain;
  filter: var(--fcib-carrier-image-filter);
}

.carriers__fallback {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  text-align: center;
  line-height: 1.35;
}

.carriers__empty {
  text-align: center;
  max-width: 520px;
  margin: 0 auto;
  padding: 36px 24px;
  background: var(--off-white);
  border: 1px dashed var(--gray-200);
  border-radius: var(--radius);
  color: var(--gray-600);
}

/* Insights */
.insights {
  padding: clamp(72px, 8vw, 108px) 0 clamp(88px, 9vw, 112px);
  background: var(--off-white);
  border-top: 4px solid var(--green);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.insights__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 48px;
  flex-wrap: wrap;
  gap: 16px;
}

.insights__intro {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.insights__feeds {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 4px;
}

.insights__feeds--archive {
  justify-content: center;
  margin-bottom: 8px;
}

.insights-feed-tab {
  border: 2px solid var(--gray-200);
  background: var(--white);
  color: var(--navy);
  border-radius: 999px;
  padding: 8px 18px;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}

.insights-feed-tab:hover:not(.is-active) {
  border-color: var(--green);
  color: var(--green-hover);
}

.insights-feed-tab.is-active {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}

.insights__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: flex-start;
}

.insights__lead {
  margin: 0;
  max-width: 52ch;
  font-size: 0.98rem;
  color: var(--gray-600);
  line-height: 1.55;
}

.insights__edition {
  margin: 0;
  font-size: 0.95rem;
  color: var(--gray-600);
  text-align: left;
}

.insights__state-filter {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: 12px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

.insights__state-filter select {
  min-width: 180px;
  padding: 8px 12px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  font: inherit;
  color: var(--navy);
  background: var(--white);
}

.insights__state-filter--archive {
  margin-top: 20px;
}

.insights__loading,
.insights__empty {
  grid-column: 1 / -1;
  text-align: center;
  color: var(--gray-600);
  font-size: 1rem;
  padding: 48px 16px;
}

.insights__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.insights--archive {
  padding-top: 48px;
}

.insights-archive__intro {
  max-width: 720px;
  margin: 0 auto 48px;
  text-align: center;
}

.insights-archive__lead {
  margin: 16px 0 0;
  font-size: 1.05rem;
  color: var(--gray-600);
  line-height: 1.6;
}

.insights-archive__edition + .insights-archive__edition {
  margin-top: 56px;
  padding-top: 48px;
  border-top: 1px solid var(--gray-200);
}

.insights-archive__heading {
  font-family: var(--font-serif);
  font-size: clamp(1.35rem, 2.5vw, 1.75rem);
  color: var(--navy);
  margin: 0 0 28px;
}

body.insights-page {
  background: var(--white);
}

.insights-page-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}

.insights-page-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 24px;
  flex-wrap: wrap;
}

.insights-page-header__brand {
  display: flex;
  align-items: center;
  flex: 0 1 auto;
  min-width: 0;
  max-width: min(525px, 42.5vw);
  line-height: 0;
}

.insights-page-header__nav {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.insights-page-header__nav a:not(.btn) {
  color: var(--navy);
  font-weight: 600;
}

.insights-page-header__nav a:not(.btn):hover {
  color: var(--gold);
}

.insights-page-header__phone {
  font-weight: 600;
  white-space: nowrap;
}

.insights-page-header .lang-switch {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  box-shadow: none;
}

.insights-page-header .lang-switch__btn {
  color: var(--gray-600);
}

.insights-page-header .lang-switch__btn:hover {
  color: var(--navy);
  background: var(--gray-200);
}

.insights-page-header .lang-switch__btn.is-active {
  color: #0d2a22;
  background: var(--green-light);
}

.insight-article-page__main {
  padding: 40px 0 80px;
}

.insight-article {
  max-width: 760px;
  margin: 0 auto;
}

.insight-article__crumbs {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin-bottom: 24px;
  font-size: 0.9rem;
  color: var(--gray-600);
}

.insight-article__crumbs a {
  color: var(--navy);
  font-weight: 600;
}

.insight-article__header {
  margin-bottom: 28px;
}

.insight-article__meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray-600);
}

.insight-article__title {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 4vw, 2.35rem);
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 16px;
}

.insight-article__dek {
  font-size: 1.1rem;
  color: var(--gray-600);
  line-height: 1.6;
  margin: 0;
}

.insight-article__figure {
  margin: 0 0 28px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.insight-article__photo {
  display: block;
  width: 100%;
  height: auto;
  max-height: 420px;
  object-fit: cover;
}

.insight-article__body p {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--navy);
  margin: 0 0 18px;
}

.insight-article__footer {
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid var(--gray-200);
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.insight-article__state-note {
  flex: 1 1 100%;
  margin: 0 0 8px;
  font-size: 0.95rem;
  color: var(--gray-600);
}

.insight-card {
  background: var(--white);
  border-radius: var(--radius);
  border-bottom: 3px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  opacity: 0;
  animation: insight-card-in 0.65s ease forwards;
}

.insight-card:nth-child(1) { animation-delay: 0.05s; }
.insight-card:nth-child(2) { animation-delay: 0.15s; }
.insight-card:nth-child(3) { animation-delay: 0.25s; }

@keyframes insight-card-in {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.insight-card:hover {
  border-bottom-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.insight-card__image {
  height: 200px;
  overflow: hidden;
  position: relative;
}

.insight-card__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
  transition: transform 0.6s ease;
}

.insight-card:hover .insight-card__photo {
  transform: scale(1.04);
}

.insight-card--no-image .insight-card__body {
  padding-top: 32px;
}

.insight-card__body {
  padding: 28px;
}

.insight-card__meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.insight-card__state {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  background: rgba(0, 200, 83, 0.14);
}

.insight-card__state--soon {
  color: var(--gold);
  background: rgba(212, 175, 55, 0.18);
  border: 1px solid rgba(212, 175, 55, 0.35);
}

.insight-card time {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
}

.insight-card__title-link {
  color: inherit;
  text-decoration: none;
}

.insight-card__title-link:hover {
  color: var(--gold);
}

.insight-card__excerpt {
  display: -webkit-box;
  -webkit-line-clamp: 4;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.insight-card h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin: 12px 0 16px;
  line-height: 1.35;
}

.insight-card p {
  font-size: 0.95rem;
  color: var(--gray-600);
  margin-bottom: 16px;
}

.insight-card__link {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.insight-card__link:hover {
  color: var(--gold);
}

/* Partner Section */
.partner {
  padding: 80px 0;
  background: var(--gray-100);
}

.top-auto-carriers {
  margin-bottom: 48px;
}

.top-auto-carriers__header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 40px;
}

.top-auto-carriers__lead {
  font-size: 1.05rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-top: 16px;
}

.top-auto-carriers__grid {
  --carrier-cols: 5;
  --carrier-grid-gap: 16px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--carrier-grid-gap);
  list-style: none;
  margin: 0;
  padding: 0;
}

.top-auto-carrier {
  flex: 0 1 calc((100% - (var(--carrier-cols) - 1) * var(--carrier-grid-gap)) / var(--carrier-cols));
  box-sizing: border-box;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 88px;
  padding: 20px 16px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.carrier-info-trigger {
  cursor: pointer;
}

.carrier-info-trigger:focus-visible {
  outline: 2px solid var(--green);
  outline-offset: 3px;
}

.top-auto-carrier.carrier-info-trigger:hover,
.carriers__list .carrier-info-trigger:hover {
  border-color: rgba(0, 200, 83, 0.45);
  box-shadow: var(--shadow-md);
}

.top-auto-carrier:hover {
  border-color: rgba(0, 200, 83, 0.45);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.top-auto-carrier__rank {
  position: absolute;
  top: 10px;
  left: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--navy);
  background: var(--gray-100);
  border-radius: 50%;
}

.top-auto-carrier__logo {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 42px;
}

.top-auto-carrier__logo img {
  display: block;
  width: auto;
  max-width: 100%;
  height: auto;
  max-height: 38px;
  object-fit: contain;
  filter: var(--fcib-carrier-image-filter);
}

.top-auto-carrier__name {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  line-height: 1.3;
}

.top-auto-carriers__note {
  margin: 20px 0 0;
  text-align: center;
  font-size: 0.82rem;
  color: var(--gray-500);
}

.top-auto-carriers__cta {
  margin-top: 28px;
  text-align: center;
}

.asset-tools {
  margin-top: 56px;
}

.asset-tools__title {
  font-family: var(--font-serif);
  font-size: clamp(1.35rem, 2.4vw, 1.75rem);
  color: var(--navy);
  text-align: center;
  margin-bottom: 20px;
}

.asset-tools__tabs {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  margin: 0 auto 28px;
  max-width: 980px;
}

.asset-tools__tab {
  border: 2px solid var(--gray-300);
  background: var(--white);
  color: var(--navy);
  border-radius: 999px;
  padding: 9px 18px;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition), transform var(--transition);
}

.asset-tools__tab:hover:not(.is-active) {
  border-color: var(--green);
  color: var(--green-hover);
}

.asset-tools__tab.is-active {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}

.quick-action.is-tool-active {
  border-color: var(--green);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.asset-tools-return {
  color: var(--navy);
  white-space: nowrap;
}

.asset-tools-return:hover {
  color: var(--green-hover);
}

.claims-header__tool-return {
  color: var(--green);
}

.quick-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.quick-actions--tools {
  grid-template-columns: repeat(5, 1fr);
}

.quick-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 32px 20px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  border: 1px solid var(--gray-200);
}

.quick-action:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.quick-action__icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  border-radius: 50%;
  color: var(--gold);
  margin-bottom: 16px;
  transition: all var(--transition);
}

.quick-action:hover .quick-action__icon {
  background: var(--gold);
  color: var(--navy-dark);
}

.quick-action__icon svg {
  width: 28px;
  height: 28px;
}

.quick-action span {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
}

.quick-action--img {
  position: relative;
  min-height: 200px;
  justify-content: flex-end;
  padding: 0;
  overflow: hidden;
  background-image: var(--qa-bg);
  background-size: cover;
  background-position: center;
  border: none;
}

.quick-action--img::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.85) 0%, rgba(0, 0, 0, 0.35) 100%);
  transition: background var(--transition);
}

.quick-action--img:hover::before {
  background: linear-gradient(to top, rgba(0, 168, 68, 0.9) 0%, rgba(0, 0, 0, 0.45) 100%);
}

.quick-action__label {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  padding: 24px 20px;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--white) !important;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Contact CTA */
.contact-cta {
  position: relative;
  padding: 100px 0;
  text-align: center;
}

.contact-cta__bg {
  position: absolute;
  inset: 0;
}

.contact-cta__bg .contact-cta__img,
.contact-cta__img,
.contact-cta__bg .contact-cta__video,
.contact-cta__video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(1.875);
}

.contact-cta__overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.41);
}

.footer__logo {
  max-width: 240px;
  height: auto;
  margin-bottom: 8px;
}

.contact-cta__content {
  position: relative;
  z-index: 1;
}

.contact-cta__content p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1.15rem;
  margin-bottom: 32px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* Contact Form */
.contact-form-section {
  padding: 100px 0;
  background: var(--white);
}

.contact-form-grid--contact-only {
  grid-template-columns: 1fr;
  max-width: 760px;
  margin: 0 auto;
}

.contact-form-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: start;
}

.contact-info h2 {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 16px;
}

.contact-info p {
  margin-bottom: 32px;
  font-size: 1.05rem;
}

.contact-info__list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 20px;
  font-size: 1rem;
}

.contact-info__list svg {
  flex-shrink: 0;
  color: var(--gold);
  margin-top: 3px;
}

.contact-info__list a:hover {
  color: var(--gold);
}

.insurance-help {
  margin-top: 36px;
  padding: 24px;
  border-radius: var(--radius);
  border: 1px solid rgba(0, 0, 0, 0.08);
  background: linear-gradient(160deg, rgba(0, 200, 83, 0.08) 0%, var(--off-white) 55%);
}

.insurance-help__eyebrow {
  margin-bottom: 8px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-hover);
}

.insurance-help__title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.insurance-help__text {
  margin-bottom: 18px;
  font-size: 0.98rem;
  line-height: 1.55;
  color: var(--gray-800);
}

.insurance-help__link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 22px;
  border-radius: 999px;
  border: none;
  background: var(--green);
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.25s ease, transform 0.25s ease;
}

.insurance-help__link:hover {
  background: var(--green-hover);
  transform: translateY(-1px);
}

.insurance-help__verify {
  display: grid;
  gap: 12px;
  margin-bottom: 10px;
}

.insurance-help__code-input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(0, 0, 0, 0.12);
  border-radius: 10px;
  font-size: 1.1rem;
  letter-spacing: 0.22em;
  text-align: center;
  font-weight: 600;
}

.insurance-help__code-input:focus {
  outline: 2px solid rgba(0, 200, 83, 0.35);
  border-color: var(--green);
}

.insurance-help__error {
  margin-bottom: 8px;
  font-size: 0.86rem;
  line-height: 1.45;
  color: #b42318;
}

.insurance-help__resend {
  padding: 0;
  border: none;
  background: none;
  color: var(--green-hover);
  font-size: 0.86rem;
  font-weight: 600;
  text-decoration: underline;
  cursor: pointer;
}

/* ============================================
   Page back + back to top floating tabs
   ============================================ */
.page-nav-dock {
  position: fixed;
  bottom: 24px;
  right: 24px;
  left: auto;
  z-index: 250;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.page-back,
.back-to-top {
  --nav-tab-outline-white: var(--white);
  --nav-tab-outline-black: var(--black);
}

.page-back {
  position: static;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 9px 13px 9px 11px;
  border: 1.5px solid var(--nav-tab-outline-white);
  border-radius: 999px;
  background: transparent;
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1;
  cursor: pointer;
  opacity: 1;
  box-shadow: 0 0 0 1.5px var(--nav-tab-outline-black);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, background 0.35s ease, color 0.35s ease;
}

.page-back.is-visible {
  opacity: 1;
}

.page-nav-dock.is-on-light .page-back,
.page-nav-dock.is-on-light .back-to-top {
  color: var(--nav-tab-outline-black);
}

.page-nav-dock.is-on-dark .page-back,
.page-nav-dock.is-on-dark .back-to-top {
  color: var(--nav-tab-outline-white);
}

.page-back:hover,
.page-back:focus-visible,
.back-to-top:hover,
.back-to-top:focus-visible {
  background: rgba(255, 255, 255, 0.22);
  border-color: var(--nav-tab-outline-white);
  box-shadow: 0 0 0 1.5px var(--nav-tab-outline-black), var(--shadow-sm);
  outline: none;
}

.page-nav-dock.is-on-light .page-back:hover,
.page-nav-dock.is-on-light .page-back:focus-visible,
.page-nav-dock.is-on-light .back-to-top:hover,
.page-nav-dock.is-on-light .back-to-top:focus-visible {
  color: var(--nav-tab-outline-black);
}

.page-nav-dock.is-on-dark .page-back:hover,
.page-nav-dock.is-on-dark .page-back:focus-visible,
.page-nav-dock.is-on-dark .back-to-top:hover,
.page-nav-dock.is-on-dark .back-to-top:focus-visible {
  color: var(--nav-tab-outline-white);
  background: rgba(0, 0, 0, 0.28);
}

.page-back__arrow {
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1;
}

.page-back__text {
  letter-spacing: 0.02em;
}

.back-to-top {
  position: static;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 9px 13px 9px 11px;
  border: 1.5px solid var(--nav-tab-outline-white);
  border-radius: 999px;
  background: transparent;
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1;
  cursor: pointer;
  box-shadow: 0 0 0 1.5px var(--nav-tab-outline-black);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, color 0.35s ease, background 0.35s ease, opacity 0.2s ease, visibility 0.2s ease;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(8px);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(0);
  background: transparent;
  border-color: var(--nav-tab-outline-white);
  box-shadow: 0 0 0 1.5px var(--nav-tab-outline-black);
}

.back-to-top__arrow {
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1;
  margin-top: -1px;
}

.back-to-top__text {
  letter-spacing: 0.02em;
}

/* Phone breakpoint */
@media (max-width: 480px) {
  .page-nav-dock {
    bottom: 16px;
    right: 16px;
    gap: 6px;
  }

  .page-back {
    padding: 7px 11px 7px 9px;
    font-size: 0.72rem;
  }

  .page-back__arrow {
    font-size: 0.95rem;
  }

  .back-to-top {
    padding: 7px 11px 7px 9px;
    font-size: 0.72rem;
  }
  .back-to-top__arrow {
    font-size: 0.95rem;
  }
}

.insurance-help__resend:hover {
  color: var(--green);
}

.grok-contact-form {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.grok-contact-form[hidden] {
  display: none;
}

.grok-contact-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.grok-contact-form .form-group label {
  display: block;
  margin-bottom: 4px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gray-600);
}

.grok-contact-form input,
.grok-contact-form textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  font-size: 0.95rem;
  font-family: inherit;
}

.insurance-help__note {
  margin-top: 12px;
  font-size: 0.82rem;
  line-height: 1.45;
  color: var(--gray-600);
}

.insurance-help[data-grok-state="verified"] {
  border-color: rgba(0, 200, 83, 0.28);
  background: linear-gradient(160deg, rgba(0, 200, 83, 0.14) 0%, var(--off-white) 60%);
}

.insurance-qa-chat {
  margin-top: 4px;
}

.insurance-qa-chat__log {
  max-height: 240px;
  overflow-y: auto;
  display: grid;
  gap: 10px;
  margin-bottom: 12px;
  padding-right: 4px;
}

.insurance-qa-chat__message {
  padding: 12px 14px;
  border-radius: 10px;
  font-size: 0.92rem;
  line-height: 1.5;
}

.insurance-qa-chat__message--user {
  background: rgba(0, 200, 83, 0.12);
  border: 1px solid rgba(0, 200, 83, 0.2);
}

.insurance-qa-chat__message--assistant {
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.08);
}

.insurance-qa-chat__role {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 6px;
}

.insurance-qa-chat__form {
  display: grid;
  gap: 10px;
}

.insurance-qa-chat__form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(0, 0, 0, 0.12);
  border-radius: 10px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  resize: vertical;
  min-height: 72px;
}

.insurance-qa-chat__form textarea:focus {
  outline: 2px solid rgba(0, 200, 83, 0.35);
  border-color: var(--green);
}

.insurance-qa-chat__error {
  margin-top: 8px;
  font-size: 0.86rem;
  color: #b42318;
}

.insurance-qa-chat__error[hidden] {
  display: none;
}

.form-group--checkbox {
  margin-top: 4px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.95rem;
  line-height: 1.5;
  color: var(--gray-800);
  cursor: pointer;
}

.checkbox-label input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--green);
}

.contact-form--grok-focus {
  box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.22), var(--shadow-sm);
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.contact-form {
  background: var(--off-white);
  padding: 40px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

/* Agent callback scheduler modal */
.agent-callback-modal {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.agent-callback-modal[hidden] {
  display: none;
}

.agent-callback-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(10, 18, 32, 0.62);
  backdrop-filter: blur(3px);
}

.agent-callback-modal__dialog {
  position: relative;
  width: min(560px, 100%);
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  background: var(--white);
  border-radius: calc(var(--radius) + 4px);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.28);
  padding: 32px 28px 28px;
}

.agent-callback-modal__close {
  position: absolute;
  top: 12px;
  right: 14px;
  border: none;
  background: transparent;
  color: var(--gray-800);
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
  padding: 4px 8px;
}

.agent-callback-modal__close:hover {
  color: var(--navy);
}

.agent-callback-modal__eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green-hover);
  margin-bottom: 8px;
}

.agent-callback-modal__title {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.agent-callback-modal__lead {
  color: var(--gray-800);
  line-height: 1.55;
  margin-bottom: 20px;
}

.agent-callback-form__slots {
  margin: -4px 0 16px;
}

.agent-callback-form__slots-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy);
  margin-bottom: 8px;
}

.agent-callback-form__slot-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.agent-callback-form__slot {
  border: 1px solid var(--gray-200);
  background: var(--white);
  color: var(--navy);
  border-radius: 999px;
  padding: 7px 14px;
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition), color var(--transition);
}

.agent-callback-form__slot:hover,
.agent-callback-form__slot.is-selected {
  border-color: var(--green);
  background: rgba(0, 200, 83, 0.1);
  color: var(--green-hover);
}

.agent-callback-form__note {
  font-size: 0.82rem;
  color: #666;
  line-height: 1.45;
  margin: -6px 0 14px;
}

.agent-callback-form__error {
  color: #b42318;
  font-size: 0.9rem;
  margin-bottom: 12px;
}

.agent-callback-modal__links {
  display: grid;
  gap: 10px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid var(--gray-200);
}

.agent-callback-modal__link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
}

.agent-callback-modal__link:hover {
  color: var(--green-hover);
}

.agent-callback-modal__link--call {
  padding: 12px 18px;
  border: 2px solid var(--navy);
  border-radius: 999px;
  transition: border-color var(--transition), color var(--transition), background var(--transition);
}

.agent-callback-modal__link--call:hover {
  border-color: var(--green);
  background: rgba(0, 200, 83, 0.08);
}

.agent-callback-success__message {
  color: var(--gray-800);
  line-height: 1.55;
  margin-bottom: 18px;
}

body.agent-callback-open {
  overflow: hidden;
}

/* Life insurance needs calculator modal */
.carrier-info-modal {
  position: fixed;
  inset: 0;
  z-index: 1300;
  display: grid;
  place-items: center;
  padding: 24px;
}

.carrier-info-modal[hidden] {
  display: none !important;
}

.carrier-info-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(10, 16, 28, 0.62);
  backdrop-filter: blur(4px);
}

.carrier-info-modal__dialog {
  position: relative;
  z-index: 1;
  width: min(520px, 100%);
  max-height: min(88vh, 760px);
  overflow-y: auto;
  padding: 28px 24px 24px;
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.22);
}

.carrier-info-modal__close {
  position: absolute;
  top: 12px;
  right: 14px;
  border: 0;
  background: transparent;
  color: var(--gray-600);
  font-size: 1.6rem;
  line-height: 1;
  cursor: pointer;
}

.carrier-info-modal__close:hover {
  color: var(--navy);
}

.carrier-info-modal__brand {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}

.carrier-info-modal__logo {
  max-width: 160px;
  max-height: 44px;
  object-fit: contain;
  filter: var(--fcib-carrier-image-filter);
}

.carrier-info-modal__title {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.55rem;
  color: var(--navy);
}

.carrier-info-modal__eyebrow {
  margin: 0 0 18px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-hover);
}

.carrier-info-modal__section h3 {
  margin: 0 0 10px;
  font-size: 0.95rem;
  color: var(--navy);
}

.carrier-info-modal__products {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.carrier-info-modal__products li {
  margin: 0;
  padding: 0;
  list-style: none;
}

.carrier-info-modal__product {
  display: inline-flex;
  align-items: center;
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--gray-800);
  font-family: inherit;
  line-height: 1.3;
  cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease, transform 0.15s ease;
}

button.carrier-info-modal__product {
  margin: 0;
  appearance: none;
  -webkit-appearance: none;
}

.carrier-info-modal__product:hover,
.carrier-info-modal__product:focus-visible {
  border-color: var(--green);
  background: rgba(0, 200, 83, 0.12);
  color: var(--green-dark);
  outline: none;
  transform: translateY(-1px);
}

.carrier-info-modal__product--static {
  cursor: default;
  pointer-events: none;
}

.carrier-info-modal__section--savings {
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: 12px;
  background: rgba(0, 200, 83, 0.08);
  border: 1px solid rgba(0, 200, 83, 0.22);
}

.carrier-info-modal__savings-line {
  margin: 0;
  font-size: 0.92rem;
  color: var(--gray-800);
  line-height: 1.5;
}

.carrier-info-modal__savings-line + .carrier-info-modal__savings-line {
  margin-top: 6px;
}

.carrier-info-modal__note {
  margin: 16px 0 10px;
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.55;
}

.carrier-info-modal__disclaimer {
  margin: 0 0 18px;
  font-size: 0.78rem;
  color: var(--gray-500);
  line-height: 1.45;
}

.carrier-strip__track .carrier-info-trigger {
  border-radius: 6px;
  padding: 4px 6px;
  transition: background var(--transition), box-shadow var(--transition);
}

.carrier-strip__track .carrier-info-trigger:hover {
  background: rgba(0, 200, 83, 0.1);
  box-shadow: 0 0 0 1px rgba(0, 200, 83, 0.25);
}

.life-calc-modal {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.life-calc-modal[hidden] {
  display: none;
}

.life-calc-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(10, 18, 32, 0.62);
  backdrop-filter: blur(3px);
}

.life-calc-modal__dialog {
  position: relative;
  width: min(680px, 100%);
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  background: var(--white);
  border-radius: calc(var(--radius) + 4px);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.28);
  padding: 32px 28px 28px;
}

.life-calc-modal__close {
  position: absolute;
  top: 12px;
  right: 14px;
  border: none;
  background: transparent;
  color: var(--gray-800);
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
  padding: 4px 8px;
}

.life-calc-modal__close:hover {
  color: var(--navy);
}

.life-calc-modal__eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green-hover);
  margin-bottom: 8px;
}

.life-calc-modal__title {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.life-calc-modal__lead {
  color: var(--gray-800);
  line-height: 1.55;
  margin-bottom: 18px;
}

.life-calc-form .form-group {
  margin-bottom: 14px;
  min-width: 0;
}

.life-calc-form .form-row {
  gap: 20px;
}

.life-calc-input-wrap {
  position: relative;
  width: 100%;
}

.life-calc-input-prefix {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-600);
  font-weight: 600;
  pointer-events: none;
  z-index: 1;
}

.life-calc-input-suffix {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-600);
  font-weight: 600;
  pointer-events: none;
  z-index: 1;
}

.life-calc-form .life-calc-input-wrap input {
  width: 100%;
  box-sizing: border-box;
  padding: 12px 16px;
}

.life-calc-form .life-calc-input-wrap:has(.life-calc-input-prefix) input {
  padding-left: 32px;
}

.life-calc-form .life-calc-input-wrap:has(.life-calc-input-suffix):not(:has(.life-calc-input-prefix)) input {
  padding-right: 32px;
}

.life-calc-form .life-calc-input-wrap:has(.life-calc-input-prefix):has(.life-calc-input-suffix) input {
  padding-left: 32px;
  padding-right: 32px;
}

.mortgage-calc-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 18px;
}

.mortgage-calc-tabs__btn {
  flex: 1;
  border: 1px solid var(--gray-200);
  background: var(--white);
  color: var(--navy);
  border-radius: 999px;
  padding: 10px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition), color var(--transition);
}

.mortgage-calc-tabs__btn:hover,
.mortgage-calc-tabs__btn.is-active {
  border-color: var(--green);
  background: rgba(0, 200, 83, 0.1);
  color: var(--green-hover);
}

body.annuity-calc-open,
body.mortgage-calc-open {
  overflow: hidden;
}

.life-calc-results {
  margin-top: 8px;
  padding: 20px;
  background: linear-gradient(160deg, rgba(0, 200, 83, 0.08) 0%, rgba(10, 31, 68, 0.04) 100%);
  border: 1px solid rgba(0, 200, 83, 0.22);
  border-radius: var(--radius);
}

.life-calc-results__label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 4px;
}

.life-calc-results__amount {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 4vw, 2.35rem);
  color: var(--green-hover);
  margin-bottom: 14px;
}

.life-calc-results__breakdown {
  list-style: none;
  margin: 0 0 14px;
  padding: 0;
  display: grid;
  gap: 8px;
}

.life-calc-results__breakdown li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.92rem;
  color: var(--gray-800);
}

.life-calc-results__breakdown strong {
  color: var(--navy);
  font-weight: 700;
  white-space: nowrap;
}

.life-calc-results__offset {
  padding-top: 8px;
  border-top: 1px dashed rgba(10, 31, 68, 0.15);
}

.life-calc-results__offset strong {
  color: #b42318;
}

.life-calc-results__note {
  font-size: 0.82rem;
  color: #666;
  line-height: 1.45;
  margin-bottom: 14px;
}

button.quick-action {
  border: none;
  cursor: pointer;
  font: inherit;
  text-decoration: none;
  width: 100%;
}

body.life-calc-open {
  overflow: hidden;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--navy);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-sans);
  font-size: 1rem;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
  transition: border-color var(--transition);
  color: var(--text);
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
}

.form-group textarea {
  resize: vertical;
  min-height: 100px;
}

/* Footer */
.site-footer {
  background: radial-gradient(
    ellipse farthest-corner at center,
    color-mix(in srgb, var(--green-dark) 40%, var(--green) 60%) 0%,
    var(--green-dark) 100%
  );
  color: rgba(255, 255, 255, 0.75);
  padding: 80px 0 0;
  border: 3px solid var(--black-dark);
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__brand p {
  margin: 16px 0 24px;
  font-size: 0.95rem;
  line-height: 1.6;
}

.footer__social {
  display: flex;
  gap: 16px;
}

.footer__social a {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 50%;
  transition: all var(--transition);
}

.footer__social a:hover {
  background: var(--gold);
  color: var(--navy-dark);
}

.footer__links h4 {
  font-family: var(--font-serif);
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 20px;
}

.footer__links li {
  margin-bottom: 10px;
}

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

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  font-size: 0.85rem;
  flex-wrap: wrap;
  gap: 12px;
}

.footer__legal {
  display: flex;
  gap: 24px;
}

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

/* Reveal Animations */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE — desktop-first breakpoints
   1024px+  desktop (default above)
   ≤1024px  tablet
   ≤768px   tablet portrait / large phone
   ≤480px   phone
   ============================================ */

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

  .services__grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .carriers__list {
    grid-template-columns: repeat(3, 1fr);
  }

  .top-auto-carriers__grid {
    --carrier-cols: 3;
  }

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

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

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

@media (max-width: 1800px) {
  .logo {
    max-width: min(400px, 32.5vw);
  }

  .main-nav__list > li > a,
  .site-header__utility {
    font-size: clamp(1.05rem, 1.28vw, 1.42rem);
  }
}

@media (max-width: 1600px) {
  .logo,
  .insights-page-header__brand {
    max-width: min(375px, 35vw);
  }

  .logo__img,
  .fcib-logo {
    max-height: clamp(90px, 8.75vw, 125px);
  }
}

@media (max-width: 1500px) {
  .main-nav__list {
    gap: clamp(6px, 0.7vw, 14px);
  }

  .main-nav__list > li > a,
  .site-header__utility {
    font-size: clamp(0.95rem, 1.05vw, 1.2rem);
  }

  .site-header__phone {
    font-size: clamp(1.05rem, 1.2vw, 1.45rem);
  }
}

@media (max-width: 1400px) {
  .nav-toggle {
    display: flex;
    padding: 12px;
    gap: 5px;
    align-self: center;
    flex-shrink: 0;
  }

  .nav-toggle span {
    width: 28px;
    height: 3px;
  }

  .main-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(320px, 88vw);
    height: 100vh;
    height: 100dvh;
    flex: none;
    justify-content: flex-start;
    background: var(--navy-dark);
    padding: calc(var(--header-height) + 60px) 32px 32px;
    padding-bottom: calc(32px + env(safe-area-inset-bottom, 0px));
    transition: right var(--transition);
    z-index: 200;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }

  .main-nav.open {
    right: 0;
  }

  .main-nav__mobile-only {
    display: block !important;
  }

  .site-header__search {
    padding-inline: 0;
  }

  .site-search {
    width: min(100%, 480px);
  }

  .main-nav__list {
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    flex-wrap: nowrap;
  }

  .main-nav__list > li {
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .main-nav__list > li > a {
    display: block;
    padding: 18px 0;
    font-size: 1.35rem;
    white-space: normal;
  }

  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: transparent;
    box-shadow: none;
    padding: 0 0 8px 16px;
    min-width: 0;
  }

  .dropdown a {
    color: rgba(255, 255, 255, 0.7);
    padding: 12px 0;
    font-size: 1.1rem;
  }

  .site-header.scrolled .main-nav {
    background: rgba(10, 10, 10, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
  }
}

@media (max-width: 1024px) {
  :root {
    --header-bar-height: 96px;
    --header-aside-height: 168px;
    --header-search-height: 48px;
    --header-height: calc(var(--header-inner-height) + var(--header-search-height));
  }

  .site-header__inner {
    padding: 12px 20px 8px;
  }

  .logo,
  .insights-page-header__brand {
    max-width: min(280px, 42vw);
  }

  .logo__img,
  .fcib-logo {
    max-height: clamp(72px, 11vw, 100px);
  }

  .site-header__aside {
    max-width: min(260px, 30vw);
  }
}

@media (max-width: 768px) {
  :root {
    --header-aside-height: 0px;
    --header-bar-height: 112px;
    --header-search-height: 46px;
    --mobile-cta-height: 0px;
    --header-height: calc(var(--header-bar-height) + var(--header-search-height));
    --mobile-chapter-nav-width: 40px;
  }

  .enter__hero-center {
    width: min(720px, 92vw);
  }

  .site-header__aside {
    display: none;
  }

  .site-header__states {
    font-size: 0.58rem;
    line-height: 1.35;
  }

  .site-header__bar {
    gap: 8px;
    align-items: center;
    min-height: var(--header-bar-height);
  }

  .logo-stack {
    gap: 4px;
    padding-block: 2px;
    flex: 1 1 auto;
    min-width: 0;
  }

  .logo-stack .lang-switch {
    margin-left: calc(72px * 0.44);
  }

  .site-header__inner {
    gap: 0;
    padding: 10px max(14px, env(safe-area-inset-right)) 8px max(14px, env(safe-area-inset-left));
  }

  .logo,
  .insights-page-header__brand {
    max-width: min(220px, 58vw);
  }

  .logo__img,
  .fcib-logo {
    max-height: 72px;
    max-width: 100%;
  }

  .nav-toggle {
    padding: 12px;
    gap: 5px;
    margin-left: auto;
  }

  .nav-toggle span {
    width: 28px;
    height: 3px;
  }

  .site-header__utility {
    display: none;
  }

  .hero {
    min-height: 70vh;
  }

  .hero__content {
    padding: 140px 24px 80px;
  }

  .lifestyle__caption {
    padding: 28px 24px;
  }

  .intro__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .intro__image {
    order: -1;
  }

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

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

  .insights__header {
    flex-direction: column;
    text-align: center;
  }

  .insights__header .insights__edition,
  .insights__header .insights__lead {
    text-align: center;
    margin-inline: auto;
  }

  .insights__feeds,
  .insights__actions {
    justify-content: center;
  }

  .insights__state-filter {
    justify-content: center;
  }

  .contact-form-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer__bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 480px) {
  :root {
    --header-bar-height: 96px;
    --mobile-chapter-nav-width: 36px;
  }

  .logo__img,
  .fcib-logo {
    max-height: 56px;
  }

  .logo-stack .lang-switch {
    margin-left: calc(56px * 0.44);
  }

  .lang-switch__btn {
    padding: 6px 8px;
    font-size: 0.82rem;
  }

  .main-nav__list > li > a {
    font-size: 1.35rem;
    padding: 18px 0;
  }

  .dropdown a {
    font-size: 1.1rem;
  }

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

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

  .top-auto-carriers__grid {
    --carrier-cols: 2;
  }

  .quick-actions,
  .quick-actions--tools {
    grid-template-columns: 1fr;
  }

  .asset-tools__tabs {
    gap: 8px;
    padding: 0 8px;
  }

  .asset-tools__tab {
    font-size: 0.82rem;
    padding: 8px 14px;
  }

  .hero__actions {
    flex-direction: column;
    align-items: center;
  }

  .hero__actions .btn {
    width: 100%;
    max-width: 300px;
  }
}

/* Nav overlay */
.nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 150;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
}

.nav-overlay.active {
  opacity: 1;
  visibility: visible;
}

/* Form success state */
.form-success {
  text-align: center;
  padding: 40px;
}

.form-success h3 {
  font-family: var(--font-serif);
  color: var(--navy);
  font-size: 1.5rem;
  margin-bottom: 12px;
}

.form-success p {
  color: var(--gray-600);
}

.form-success--compact {
  padding: 28px;
}

.form-success__error {
  margin-top: 14px;
  color: #b42318;
  font-size: 0.95rem;
}

/* Story music toggle */
.story-audio-toggle {
  position: fixed;
  left: 20px;
  bottom: 24px;
  z-index: 160;
  pointer-events: auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border: 2px solid rgba(255, 255, 255, 0.35);
  border-radius: 50%;
  background: rgba(0, 0, 0, 0.55);
  color: var(--white);
  cursor: pointer;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.35);
  transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s ease, color 0.3s ease;
}

.story-audio-toggle:hover {
  background: rgba(0, 0, 0, 0.72);
  border-color: var(--green-light);
  color: var(--green-light);
  transform: translateY(-2px);
}

.story-audio-toggle.is-playing {
  border-color: var(--green);
  color: var(--green-light);
  box-shadow: 0 0 0 4px rgba(0, 200, 83, 0.18), 0 4px 18px rgba(0, 0, 0, 0.35);
}

.story-audio-toggle__icon--off {
  display: block;
}

.story-audio-toggle__icon--on {
  display: none;
}

.story-audio-toggle.is-playing .story-audio-toggle__icon--off {
  display: none;
}

.story-audio-toggle.is-playing .story-audio-toggle__icon--on {
  display: block;
}

@media (max-width: 768px) {
  .story-audio-toggle {
    left: 14px;
    bottom: 18px;
    width: 46px;
    height: 46px;
  }
}

/* ============================================
   SCROLL STORY (endspeciesism-inspired)
   ============================================ */

/* Life Journey Chapters */
.journey {
  position: relative;
  z-index: 1;
  background: transparent;
}

/* Chapter navigation — fixed right sidebar */
.chapter-nav {
  position: fixed;
  right: 0;
  top: calc(50% + 1in);
  z-index: 260;
  max-height: 88vh;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(-50%) translateX(110%);
  transition: opacity 0.45s ease, transform 0.45s ease, visibility 0.45s;
}

.chapter-nav.is-visible {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(-50%) translateX(0);
}

.chapter-nav.is-visible:not(.is-expanded) .chapter-nav__inner,
.chapter-nav.is-visible.is-collapsed .chapter-nav__inner {
  min-width: 34px;
  padding: 16px 6px;
  cursor: pointer;
  transition: min-width 0.4s ease, padding 0.4s ease;
}

.chapter-nav.is-visible.is-expanded .chapter-nav__inner {
  min-width: 0;
  padding: 14px 8px 14px 12px;
  cursor: default;
}

.chapter-nav__inner {
  position: relative;
  background-color: rgba(10, 10, 10, 0.92);
  background-image: var(--panel-bg, none);
  background-size: cover;
  background-position: center;
  border-radius: 10px 0 0 10px;
  padding: 14px 8px 14px 12px;
  box-shadow: -4px 0 24px rgba(0, 0, 0, 0.35);
  max-height: 88vh;
  overflow: hidden;
  transition: background-image 0.6s ease;
}

.chapter-nav__inner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.72);
  backdrop-filter: blur(6px);
  border-radius: inherit;
  transition: background 0.4s ease;
  pointer-events: none;
}

.chapter-nav__inner.has-active::before {
  background: rgba(0, 0, 0, 0.5);
}

.chapter-nav__heading {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  border: none;
  background: none;
  font-family: inherit;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-light);
  margin-bottom: 10px;
  padding-right: 4px;
  text-align: right;
  cursor: pointer;
  transition: writing-mode 0.35s ease, margin 0.35s ease, transform 0.35s ease, color 0.2s ease;
}

.chapter-nav__heading:hover,
.chapter-nav__heading:focus-visible {
  color: var(--white);
  outline: none;
}

.chapter-nav.is-visible:not(.is-expanded) .chapter-nav__heading,
.chapter-nav.is-visible.is-collapsed .chapter-nav__heading {
  writing-mode: vertical-rl;
  text-orientation: mixed;
  transform: rotate(180deg);
  margin-bottom: 0;
  padding-right: 0;
  text-align: center;
  font-size: 0.58rem;
  letter-spacing: 0.16em;
}

.chapter-nav__list {
  position: relative;
  z-index: 1;
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
  max-height: calc(88vh - 40px);
  overflow-y: auto;
  scrollbar-width: thin;
  scrollbar-color: var(--green) transparent;
  transition: opacity 0.35s ease, max-height 0.45s ease;
}

.chapter-nav.is-visible:not(.is-expanded) .chapter-nav__list,
.chapter-nav.is-visible.is-collapsed .chapter-nav__list {
  opacity: 0;
  max-height: 0;
  overflow: hidden;
  pointer-events: none;
}

.chapter-nav.is-visible:not(.is-expanded) .chapter-nav__link,
.chapter-nav.is-visible.is-collapsed .chapter-nav__link {
  pointer-events: none;
  cursor: default;
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link {
  pointer-events: auto;
  cursor: pointer;
}

.chapter-nav__link {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0;
  min-height: 36px;
  min-width: 36px;
  padding: 6px 10px;
  border-right: 3px solid transparent;
  border-radius: 6px 0 0 6px;
  text-decoration: none;
  overflow: hidden;
  background-color: rgba(0, 0, 0, 0.62);
  background-image: var(--nav-bg);
  background-size: cover;
  background-position: center;
  transition: min-width 0.35s ease, padding 0.35s ease, border-color 0.3s ease;
}

.chapter-nav__link::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.62);
  transition: background 0.3s ease;
}

.chapter-nav__link:hover::before {
  background: rgba(0, 0, 0, 0.45);
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link {
  min-width: max-content;
  padding: 8px 12px 8px 10px;
  gap: 8px;
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active {
  border-right-color: var(--green);
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active::before {
  background: rgba(0, 0, 0, 0.38);
}

.chapter-nav__num,
.chapter-nav__name {
  position: relative;
  z-index: 1;
}

.chapter-nav__num {
  font-size: 0.75rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
  min-width: 20px;
  text-align: right;
  flex-shrink: 0;
}

.chapter-nav__name {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1.25;
  text-align: right;
  opacity: 0;
  max-width: 0;
  overflow: hidden;
  white-space: nowrap;
  transition: opacity 0.35s ease, max-width 0.35s ease;
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link .chapter-nav__name {
  opacity: 1;
  max-width: none;
}

.chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active .chapter-nav__num {
  color: var(--green-light);
}

/* Desktop: expand chapter tabs only after the Our Story tab is clicked */
@media (min-width: 769px) {
  .chapter-nav.is-visible.is-expanded .chapter-nav__inner {
    min-width: 0;
    padding: 14px 8px 14px 12px;
    cursor: default;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__heading {
    writing-mode: horizontal-tb;
    transform: none;
    margin-bottom: 10px;
    padding-right: 4px;
    text-align: right;
    font-size: 0.65rem;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__list {
    opacity: 1;
    max-height: calc(88vh - 40px);
    overflow-y: auto;
    pointer-events: auto;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link {
    pointer-events: auto;
    cursor: pointer;
    min-width: max-content;
    padding: 8px 12px 8px 10px;
    gap: 8px;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link .chapter-nav__name {
    opacity: 1;
    max-width: none;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active {
    border-right-color: var(--green);
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active::before {
    background: rgba(0, 0, 0, 0.38);
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link.is-active .chapter-nav__num {
    color: var(--green-light);
  }

  .chapter-nav.is-visible:not(.is-expanded) .chapter-nav__inner,
  .chapter-nav.is-visible.is-collapsed .chapter-nav__inner {
    min-width: 34px;
    padding: 16px 6px;
    cursor: pointer;
  }

  .chapter-nav.is-visible:not(.is-expanded) .chapter-nav__link,
  .chapter-nav.is-visible.is-collapsed .chapter-nav__link {
    pointer-events: none;
    cursor: default;
  }
}

.journey > .paper-tear {
  display: none;
}

.chapter {
  height: var(--chapter-scroll-height);
  position: relative;
  background: transparent;
}

.journey > .chapter ~ .chapter {
  margin-top: calc(-1 * var(--chapter-overlap));
}

.chapter--enter {
  height: var(--chapter-enter-height);
}

#chapter-2 {
  margin-top: calc(-1 * var(--chapter-overlap));
}

.enter__hero-center {
  width: min(720px, 92vw);
  margin: 0 auto;
  flex: 0 0 auto;
  text-align: center;
}

.enter__content {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  height: 100%;
  padding: calc(var(--header-height) + 12px) 24px 28px;
  opacity: 1;
  transform: none;
  pointer-events: auto;
  transition: opacity 0.4s ease, transform 0.4s ease;
  overflow-x: hidden;
  overflow-y: visible;
}

.enter__story {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-top: auto;
  padding-top: 16px;
  flex-shrink: 0;
}

.enter__eyebrow {
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  white-space: normal;
  overflow-wrap: anywhere;
}

.enter__story .enter__eyebrow {
  margin: 20px auto 0;
  width: min(720px, 92vw);
  max-width: 100%;
  padding: 0 6px;
}

.enter__eyebrow--active {
  color: var(--green-light);
  font-weight: 700;
}

.enter__eyebrow--soon {
  color: #ffe082;
  font-weight: 700;
}

.enter__title {
  font-family: var(--font-serif);
  font-size: clamp(1.225rem, 3.15vw, 2.1rem);
  font-weight: 600;
  color: var(--white);
  line-height: 1.2;
  max-width: 448px;
  margin: 0 auto 12px;
  text-align: center;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header__aside .quote-hero {
  padding: 18px 18px 14px;
  border-radius: 11px;
  box-shadow: 0 14px 38px rgba(0, 0, 0, 0.28);
}

.site-header__aside .quote-hero__lead {
  font-size: 0.91rem;
  margin-bottom: 11px;
}

.site-header__aside .quote-hero__tabs {
  gap: 5px;
  margin-bottom: 10px;
}

.site-header__aside .quote-hero__tab {
  min-width: 58px;
  padding: 6px 8px;
  font-size: 0.77rem;
}

.site-header__aside .quote-hero__form {
  gap: 8px;
}

.site-header__aside .quote-hero__field input {
  padding: 11px 13px;
  border-radius: 8px;
  font-size: 0.99rem;
}

.site-header__aside .quote-hero__submit {
  padding: 9px 13px;
  font-size: 0.57rem;
  border-radius: 6px;
}

.site-header__aside .quote-hero__error {
  font-size: 0.84rem;
}

.site-header__aside .quote-hero__bundling {
  margin-top: 8px;
  font-size: 0.78rem;
}

.site-header__aside .quote-hero__trust {
  margin-top: 8px;
  font-size: 0.74rem;
}

.site-header__aside .quote-hero__status {
  font-size: 0.82rem;
}

.site-header__aside .carrier-strip {
  padding: 10px 0 4px;
  min-height: 62px;
}

.site-header__aside .carrier-strip__label {
  margin-bottom: 8px;
  font-size: 0.72rem;
}

.site-header__aside .carrier-strip__viewport {
  min-height: 32px;
  padding: 4px 0;
}

.site-header__aside .carrier-strip__track {
  gap: 24px;
  min-height: 26px;
}

.site-header__aside .carrier-strip__track img {
  height: 24px;
}

.quote-hero {
  zoom: 0.95;
  width: 100%;
  margin: 0;
  padding: 22px 22px 18px;
  background: rgba(255, 255, 255, 0.97);
  border-radius: 14px;
  box-shadow: 0 18px 48px rgba(0, 0, 0, 0.28);
  text-align: left;
  position: relative;
  z-index: 3;
  pointer-events: auto;
}

.quote-hero__lead {
  font-size: 0.69rem;
  font-weight: 500;
  color: var(--gray-800);
  margin-bottom: 14px;
  line-height: 1.45;
}

.quote-hero__tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 12px;
}

.quote-hero__tab {
  flex: 1 1 auto;
  min-width: 72px;
  padding: 8px 10px;
  border: 1.5px solid var(--gray-200);
  border-radius: 999px;
  background: var(--white);
  color: var(--gray-800);
  font-family: var(--font-sans);
  font-size: 0.59rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition), color var(--transition);
}

.quote-hero__tab:hover {
  border-color: var(--green);
}

.quote-hero__tab.is-active {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}

.quote-hero__form {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 10px;
  align-items: start;
}

.quote-hero__field {
  grid-column: 1 / -1;
}

.quote-hero__field input {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--gray-800);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.quote-hero__field input:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.18);
}

.quote-hero__submit {
  grid-column: 1 / -1;
  width: 100%;
  padding: 11px 16px;
  font-size: 0.43rem;
  border-radius: 8px;
  cursor: pointer;
  border: none;
}

.quote-hero__submit:disabled {
  opacity: 0.65;
  cursor: wait;
}

.quote-hero__error {
  grid-column: 1 / -1;
  font-size: 0.64rem;
  color: #b42318;
  margin: 0;
}

.quote-hero__error[hidden] {
  display: none;
}

.quote-hero__error:not([hidden]) {
  display: block;
}

.quote-hero__bundling {
  margin: 8px 0 0;
  font-size: 0.72rem;
  font-weight: 600;
  line-height: 1.35;
  color: var(--green-dark, #00a152);
  text-align: center;
}

.quote-hero__trust {
  margin-top: 8px;
  font-size: 0.56rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gray-600);
  text-align: center;
}

.quote-hero__status {
  grid-column: 1 / -1;
  margin: 0;
  font-size: 0.62rem;
  font-weight: 600;
  color: var(--green-hover);
  text-align: center;
}

.quote-hero__status:empty {
  display: none;
}

.quote-hero__status a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.carrier-strip {
  width: 100%;
  margin: 0;
  padding: 18px 0 8px;
  min-height: 88px;
}

.carrier-strip__label {
  margin: 0 0 14px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-align: center;
  color: rgba(255, 255, 255, 0.72);
}

.carrier-strip__viewport {
  overflow: hidden;
  min-height: 44px;
  padding: 8px 0;
  mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
}

.carrier-strip__track {
  display: flex;
  align-items: center;
  gap: 36px;
  width: max-content;
  min-height: 36px;
  animation: carrier-marquee 32s linear infinite;
}

.carrier-strip__track img {
  height: 34px;
  width: auto;
  max-width: 120px;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.92;
}

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

.value-props {
  position: relative;
  z-index: 12;
  background: var(--off-white);
  margin-top: -32vh;
  padding: 0 0 44.8px;
  min-height: 70vh;
}

.value-props__hero {
  position: relative;
  display: flex;
  align-items: flex-end;
  min-height: clamp(300px, 46vh, 520px);
  padding: calc(50.4px + 32vh) 0 36px;
  overflow: hidden;
  isolation: isolate;
}

.value-props__hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 42%;
  opacity: 0;
  will-change: opacity;
  -webkit-mask-image: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(0, 0, 0, 0.22) 10%,
    rgba(0, 0, 0, 0.72) 24%,
    #000 38%,
    #000 100%
  );
  mask-image: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(0, 0, 0, 0.22) 10%,
    rgba(0, 0, 0, 0.72) 24%,
    #000 38%,
    #000 100%
  );
}

.value-props__hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  opacity: var(--value-props-bridge, 1);
  background: linear-gradient(
    180deg,
    rgba(255, 196, 148, 0.42) 0%,
    rgba(214, 168, 196, 0.28) 14%,
    rgba(148, 188, 214, 0.22) 26%,
    transparent 48%
  );
  transition: opacity 0.35s ease;
}

.value-props__hero-shade {
  position: absolute;
  inset: 0;
  z-index: 2;
  opacity: var(--value-props-shade, 0);
  background:
    linear-gradient(
      180deg,
      transparent 0%,
      rgba(0, 0, 0, 0.12) 18%,
      rgba(0, 0, 0, 0.46) 54%,
      rgba(247, 248, 250, 0.96) 100%
    ),
    linear-gradient(90deg, rgba(0, 0, 0, 0.34) 0%, rgba(0, 0, 0, 0.06) 48%, rgba(0, 0, 0, 0.14) 100%);
  pointer-events: none;
  transition: opacity 0.35s ease;
}

.value-props__header {
  position: relative;
  z-index: 3;
  text-align: center;
  max-width: 560px;
  margin: 0 auto;
}

.value-props .section-title {
  font-size: clamp(1.35rem, 2.8vw, 2rem);
  margin-bottom: 14px;
  color: var(--white);
}

.value-props__lead {
  margin-top: 8px;
  color: rgba(255, 255, 255, 0.92);
  font-size: clamp(1.07rem, 1.85vw, 1.23rem);
  line-height: 1.55;
}

.value-props__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 17px;
  margin-top: 8px;
  margin-bottom: 28px;
}

.value-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 20px 17px;
  box-shadow: var(--shadow-sm);
}

.value-card h3 {
  font-family: var(--font-serif);
  font-size: 1.09rem;
  color: var(--black);
  margin-bottom: 7px;
}

.value-card p {
  color: var(--gray-600);
  font-size: 0.915rem;
  line-height: 1.55;
}

.value-props__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 11px;
}

.value-stat {
  text-align: center;
  padding: 14px 8px;
  background: var(--white);
  border-radius: 7px;
  border: 1px solid var(--gray-200);
}

.value-stat strong {
  display: block;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 3px;
}

.value-stat span {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gray-600);
}

@media (max-width: 768px) {
  .value-props {
    margin-top: -24vh;
  }

  .value-props__hero {
    min-height: clamp(260px, 38vh, 380px);
    padding: calc(40px + 24vh) 0 28px;
  }

  .value-props__hero-bg {
    object-position: 62% center;
    -webkit-mask-image: linear-gradient(
      to bottom,
      transparent 0%,
      rgba(0, 0, 0, 0.18) 12%,
      rgba(0, 0, 0, 0.68) 28%,
      #000 42%,
      #000 100%
    );
    mask-image: linear-gradient(
      to bottom,
      transparent 0%,
      rgba(0, 0, 0, 0.18) 12%,
      rgba(0, 0, 0, 0.68) 28%,
      #000 42%,
      #000 100%
    );
  }

  .value-props__grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 480px) {
  .quote-hero {
    padding: 18px 16px 14px;
  }

  .quote-hero__tabs {
    gap: 4px;
  }

  .quote-hero__tab {
    min-width: 0;
    font-size: 0.54rem;
    padding: 7px 8px;
  }

  .quote-stack {
    gap: 18px;
  }

  .carrier-strip {
    min-height: 80px;
    padding: 14px 0 6px;
  }

  .carrier-strip__track img {
    height: 30px;
  }

  .site-header__aside {
    max-width: min(280px, 34vw);
  }

  .site-header__aside .quote-hero {
    padding: 14px 13px 11px;
  }

  .site-header__aside .quote-hero__tab {
    min-width: 0;
    font-size: 0.58rem;
    padding: 6px 6px;
  }

  .site-header__aside .quote-stack {
    gap: 8px;
  }

  .site-header__aside .carrier-strip {
    min-height: 58px;
    padding: 8px 0 4px;
  }

  .site-header__aside .carrier-strip__track img {
    height: 22px;
  }

  .enter__content .speech-bubble--hero {
    display: none;
  }

  .enter__scroll {
    margin-top: 20px;
  }
}

@media (max-height: 820px) {
  .enter__content {
    padding: calc(var(--header-height) + 16px) 16px 20px;
  }

  .enter__story {
    padding-top: 10px;
  }

  .enter__title {
    margin-bottom: 10px;
  }

  .quote-stack {
    gap: 14px;
  }

  .quote-hero {
    padding: 16px 16px 14px;
  }

  .carrier-strip {
    min-height: 68px;
    padding: 10px 0 4px;
  }

  .site-header__aside .quote-hero {
    padding: 13px 13px 11px;
  }

  .site-header__aside .quote-stack {
    gap: 8px;
  }

  .site-header__aside .carrier-strip {
    min-height: 50px;
    padding: 6px 0 2px;
  }

  .site-header__aside .carrier-strip__track img {
    height: 20px;
  }

  .enter__scroll {
    margin-top: 14px;
  }
}

.enter__scroll {
  margin-top: 36px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  animation: enter-scroll-hint 2.2s ease-in-out infinite;
}

.enter__scroll::after {
  content: '';
  display: block;
  width: 1px;
  height: 36px;
  margin: 12px auto 0;
  background: linear-gradient(to bottom, var(--green-light), transparent);
}

@keyframes enter-scroll-hint {
  0%, 100% { opacity: 0.55; transform: translateY(0); }
  50% { opacity: 1; transform: translateY(6px); }
}

.chapter__sticky {
  position: sticky;
  top: 0;
  height: 100vh;
  overflow: hidden;
  background: transparent;
  isolation: isolate;
  pointer-events: none;
}

.chapter__sticky > .chapter__bg {
  display: block;
  position: absolute;
  top: -4%;
  left: -4%;
  width: 108%;
  height: 108%;
  min-height: 100%;
  object-fit: cover;
  object-position: center center;
  transform-origin: center center;
  backface-visibility: hidden;
  pointer-events: none;
  opacity: 1;
}

/* Image 2 (chapter 2 / screen #2) is animated with ken-burns style slow zoom/pan. Keeps right extension, framing, and base zoom-in. */
#chapter-2 .chapter__sticky > .chapter__bg {
  top: -5%;
  left: -5%;
  width: calc(105% + 3in);
  height: 105%;
  object-position: 68% center;
  animation: chapter2KenBurns 30s ease-in-out infinite alternate;
  transform: scale(var(--blend-scale, 1)) scale(var(--ken-scale, 1)) translate(var(--ken-tx, 0), var(--ken-ty, 0));
}

/* Chapter 11 — Full Circle: same scroll duration as other chapters */
#chapter-11 {
  height: var(--chapter-scroll-height);
}

#chapter-11 .chapter__sticky > .chapter__bg {
  top: -10%;
  left: -10%;
  width: 120%;
  height: 120%;
  object-position: center 72%;
}

#chapter-11 .chapter__overlay {
  background: linear-gradient(
    to top,
    rgba(0, 0, 0, 0.9) 0%,
    rgba(0, 0, 0, 0.45) 42%,
    rgba(0, 0, 0, 0.22) 72%,
    rgba(255, 196, 148, 0.08) 100%
  );
}

#chapter-11 .chapter__content {
  padding-bottom: max(88px, calc(env(safe-area-inset-bottom, 0px) + 72px));
}

#chapter-11 .chapter__actions {
  margin-top: 20px;
  margin-bottom: 8px;
}

.chapter__sticky > .chapter__bg {
  z-index: 1;
  opacity: 1;
  will-change: transform, opacity, filter;
  transform: scale(var(--blend-scale, 1)) scale(var(--ken-scale, 1)) translate(var(--ken-tx, 0), var(--ken-ty, 0));
}

.chapter--enter .chapter__sticky > .chapter__bg,
.chapter:not(#chapter-2):not(.chapter--enter) .chapter__sticky > .chapter__bg {
  animation: chapterKenBurns 36s ease-in-out infinite alternate;
}

@keyframes chapterKenBurns {
  0%   { --ken-scale: 1; --ken-tx: 0%; --ken-ty: 0%; }
  100% { --ken-scale: 1.06; --ken-tx: -1%; --ken-ty: -0.5%; }
}

.chapter__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.75) 0%, rgba(0,0,0,0.2) 45%, rgba(0,0,0,0.35) 100%);
  z-index: 1;
  opacity: 1;
  will-change: opacity;
}

.chapter__overlay--dark {
  background: linear-gradient(to top, rgba(0,0,0,0.88) 0%, rgba(0,0,0,0.55) 50%, rgba(0,0,0,0.65) 100%);
}

.chapter__content {
  position: absolute;
  inset: 0;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  padding: 100px 24px 60px;
  text-align: center;
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
  pointer-events: none;
}

.chapter__content.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.chapter__num {
  display: none;
}

.chapter__title {
  font-family: var(--font-serif);
  font-size: clamp(1.4rem, 3vw, 2rem);
  color: var(--white);
  margin-bottom: 16px;
}

.chapter__coverage {
  color: rgba(255,255,255,0.75);
  font-size: 1.2rem;
  margin-top: 16px;
  max-width: 440px;
}

.chapter__actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 24px;
}

.chapter-promo-tab,
.chapter-turning65-tab {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 32px;
  border-radius: 999px;
  background: #3d9460;
  border: 2px solid #2f7d4f;
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  box-shadow: 0 4px 18px rgba(61, 148, 96, 0.45);
  transition: background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
  position: relative;
  z-index: 3;
  pointer-events: auto;
  cursor: pointer;
}

.chapter-promo-tab:hover,
.chapter-promo-tab:focus-visible,
.chapter-turning65-tab:hover,
.chapter-turning65-tab:focus-visible {
  background: #2f7d4f;
  border-color: #256b42;
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 22px rgba(47, 125, 79, 0.5);
  outline: none;
}

.chapter .chapter__actions {
  position: relative;
  z-index: 4;
  pointer-events: auto;
}

.chapter .chapter-promo-tab {
  z-index: 5;
}

#enter .chapter__actions {
  margin-top: 20px;
}

#chapter-8 .chapter__actions {
  margin-top: 28px;
}

.chapter.chapter--promo-focus .chapter__content {
  pointer-events: auto !important;
  opacity: 1 !important;
}

.chapter.chapter--promo-focus .chapter-promo-tab {
  pointer-events: auto;
  cursor: pointer;
}

.paper-tear--flip img {
  transform: scaleY(-1);
}

.paper-tear {
  background: #fffef5;
}

.story--opener {
  height: 300vh;
  position: relative;
}

.story__sticky {
  position: sticky;
  top: 0;
  height: 100vh;
  overflow: hidden;
  background: #0a1628;
}

.story__layer {
  position: absolute;
  inset: 0;
  will-change: transform;
}

.story__layer img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.story__layer--sky {
  background: linear-gradient(180deg, #87ceeb 0%, #c4dff6 40%, #f0e6d3 100%);
  z-index: 0;
}

.story__layer--bg {
  z-index: 1;
  opacity: 0.85;
  mask-image: linear-gradient(to bottom, black 60%, transparent 100%);
}

.story__layer--mid {
  z-index: 2;
  opacity: 0;
  transform: translateY(30%);
  mask-image: linear-gradient(to right, transparent, black 20%, black 80%, transparent);
}

.story__layer--fg {
  z-index: 3;
  opacity: 0;
  transform: translateY(50%) scale(1.1);
}

.story__vignette {
  position: absolute;
  inset: 0;
  z-index: 4;
  background: radial-gradient(ellipse at center, transparent 30%, rgba(0,0,0,0.55) 100%);
  pointer-events: none;
}

.story__ui {
  position: absolute;
  inset: 0;
  z-index: 5;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 120px 24px 60px;
  text-align: center;
}

.story__phone {
  font-size: 1rem;
  font-weight: 600;
  color: var(--green-light);
  margin-bottom: 20px;
}

.story__phone:hover {
  color: var(--green);
}

.story__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 28px;
}

.story__scroll-hint {
  position: absolute;
  bottom: 32px;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  animation: bob 2s ease-in-out infinite;
}

@keyframes bob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(8px); }
}

/* Speech bubbles */
.speech-bubble {
  position: relative;
  background: #fffef8;
  border: 2.5px solid #1a1a1a;
  border-radius: 18px;
  padding: 16px 28px;
  box-shadow: 4px 4px 0 rgba(0,0,0,0.15);
  max-width: 420px;
}

.speech-bubble::after {
  content: '';
  position: absolute;
  bottom: -14px;
  left: 40px;
  width: 0;
  height: 0;
  border-left: 14px solid transparent;
  border-right: 14px solid transparent;
  border-top: 16px solid #1a1a1a;
}

.speech-bubble::before {
  content: '';
  position: absolute;
  bottom: -10px;
  left: 42px;
  width: 0;
  height: 0;
  border-left: 12px solid transparent;
  border-right: 12px solid transparent;
  border-top: 14px solid #fffef8;
  z-index: 1;
}

.speech-bubble p {
  font-family: 'Caveat', cursive;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 600;
  color: #1a1a1a;
  line-height: 1.2;
  margin: 0;
}

.speech-bubble--hero p {
  font-size: clamp(2rem, 5vw, 3rem);
}

a.speech-bubble--link {
  display: inline-block;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

a.speech-bubble--link:hover {
  transform: translateY(-2px);
  box-shadow: 6px 6px 0 rgba(0, 0, 0, 0.2);
}

a.speech-bubble--link:focus-visible {
  outline: 3px solid var(--green-light);
  outline-offset: 4px;
}

.speech-bubble--panel {
  position: absolute;
  top: 24px;
  left: 24px;
  z-index: 2;
  max-width: 260px;
}

.speech-bubble--panel p {
  font-size: 1.5rem;
}

.speech-bubble--scene {
  position: absolute;
  top: auto;
  bottom: clamp(16px, 4vh, 32px);
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  max-width: 210px;
  padding: 8px 14px;
  border-width: 2px;
  border-radius: 9px;
  box-shadow: 2px 2px 0 rgba(0, 0, 0, 0.15);
}

.speech-bubble--scene::after {
  bottom: -7px;
  left: 50%;
  margin-left: -7px;
  border-left-width: 7px;
  border-right-width: 7px;
  border-top-width: 8px;
}

.speech-bubble--scene::before {
  bottom: -5px;
  left: 50%;
  margin-left: -6px;
  border-left-width: 6px;
  border-right-width: 6px;
  border-top-width: 7px;
}

.speech-bubble--scene p {
  font-size: clamp(0.8rem, 2vw, 1.2rem);
  text-align: center;
}

/* Paper tear */
.paper-tear {
  position: relative;
  z-index: 10;
  margin-top: -2px;
  line-height: 0;
}

.paper-tear img {
  width: 100%;
  height: 60px;
  object-fit: cover;
}

/* Horizontal scroll track */
.scroll-track {
  background: #fffef5;
  padding: 60px 0 80px;
  overflow: hidden;
}

.scroll-track__header {
  text-align: center;
  padding: 0 24px 32px;
}

.scroll-track__header h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--black);
  margin-bottom: 8px;
}

.scroll-track__header p {
  color: var(--gray-600);
  margin-bottom: 16px;
}

.scroll-track__nav {
  display: flex;
  gap: 12px;
  justify-content: center;
}

.scroll-arrow {
  background: var(--black);
  color: var(--white);
  border: 2px solid var(--black);
  padding: 10px 20px;
  font-family: 'Caveat', cursive;
  font-size: 1.2rem;
  font-weight: 600;
  cursor: pointer;
  border-radius: 4px;
  transition: all var(--transition);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.scroll-arrow:hover {
  background: var(--green);
  border-color: var(--green);
}

.scroll-panels {
  display: flex;
  gap: 24px;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth; 

/* Product / quote request tabs and conditional fields (integrated into contact form) */
.product-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin: 4px 0 12px;
}
.product-tab {
  border: 2px solid #000;
  background: var(--green);
  color: #fff;
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 1.125rem; /* 50% larger than original 0.75rem */
  font-weight: 700;
  letter-spacing: 0.01em;
  cursor: pointer;
  transition: background .15s, border-color .15s, color .15s;
  white-space: nowrap;
  text-align: center;
}
.product-tab:hover:not(.is-active) {
  background: var(--green-hover);
  border-color: #000;
  color: #fff;
}
.product-tab.is-active {
  background: var(--green-hover);
  border-color: #000;
  color: #fff;
}
.quote-details-prompt {
  margin: 0 0 10px;
  padding: 10px 12px;
  border-radius: 6px;
  background: rgba(0, 200, 83, 0.1);
  border: 1px solid rgba(0, 168, 68, 0.28);
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 600;
  line-height: 1.45;
}

.product-fields {
  border: 1px solid #eee;
  padding: 8px 10px;
  border-radius: 6px;
  background: #fafafa;
  margin: 4px 0 8px;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}

.product-fields--highlight {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.18);
}
.product-fields h4,
.product-fields .panel-title {
  font-size: 0.78rem;
  margin: 0 0 6px;
  font-weight: 600;
  color: var(--gray-800);
}
.product-fields .form-group {
  margin-bottom: 6px;
}
.product-fields label {
  font-size: 0.72rem;
  margin-bottom: 1px;
}
.product-fields input,
.product-fields select,
.product-fields textarea {
  font-size: 0.85rem;
  padding: 5px 8px;
}
  padding: 0 max(24px, calc((100vw - 1200px) / 2 + 24px)) 16px;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}

.scroll-panels::-webkit-scrollbar {
  display: none;
}

.scroll-panel {
  position: relative;
  flex: 0 0 min(85vw, 520px);
  height: 65vh;
  min-height: 400px;
  scroll-snap-align: center;
  border-radius: 8px;
  overflow: hidden;
  border: 3px solid #1a1a1a;
  box-shadow: 6px 6px 0 rgba(0,0,0,0.2);
}

.scroll-panel img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.scroll-panel:hover img {
  transform: scale(1.04);
}

.scroll-panel__shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.75) 0%, transparent 50%);
}

.scroll-panel h3 {
  position: absolute;
  bottom: 24px;
  left: 24px;
  font-family: var(--font-serif);
  font-size: 1.75rem;
  color: var(--white);
  z-index: 1;
}

/* Paper documents */
.paper-section {
  background: #fffef5;
  padding: 80px 24px;
  display: flex;
  justify-content: center;
}

.paper-doc {
  position: relative;
  max-width: 720px;
  width: 100%;
  padding: 48px 40px;
  border: 2px solid #1a1a1a;
  box-shadow: 8px 8px 0 rgba(0,0,0,0.12);
}

.paper-doc--light {
  background: #fffef8;
  color: var(--text);
}

.paper-doc--dark {
  background: #2a2a2a;
  color: #e8e8e8;
}

.paper-doc--dark h3,
.paper-doc--dark .section-title {
  color: var(--white);
}

.paper-doc--dark hr {
  border-color: rgba(255,255,255,0.2);
}

.paper-doc__stamp {
  position: absolute;
  top: 20px;
  right: 20px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: #c0392b;
  border: 3px solid #c0392b;
  padding: 6px 12px;
  transform: rotate(-8deg);
  opacity: 0.85;
}

.paper-doc h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  margin-bottom: 12px;
}

.paper-doc hr {
  border: none;
  border-top: 1px solid rgba(0,0,0,0.15);
  margin: 16px 0;
}

.paper-doc p {
  margin-bottom: 12px;
  line-height: 1.7;
}

.paper-doc .btn {
  margin-top: 16px;
}

/* Docs section with scene */
.docs-section {
  background: #1a1a1a;
  padding-bottom: 80px;
  margin-top: 0;
  position: relative;
  z-index: 1;
}

.docs-scene {
  position: relative;
  height: 50vh;
  min-height: 320px;
  overflow: hidden;
}

.docs-scene__bg {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.insight-card__video {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.quick-action--image,
.quick-action--video {
  position: relative;
  min-height: 200px;
  justify-content: flex-end;
  padding: 0;
  overflow: hidden;
  border: none;
}

.quick-action__img,
.quick-action__video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

.quick-action--image::before,
.quick-action--video::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.85) 0%, rgba(0, 0, 0, 0.35) 100%);
  transition: background var(--transition);
  z-index: 1;
}

.quick-action--image:hover::before,
.quick-action--video:hover::before {
  background: linear-gradient(to top, rgba(0, 168, 68, 0.9) 0%, rgba(0, 0, 0, 0.45) 100%);
}

.quick-action--image .quick-action__label,
.quick-action--video .quick-action__label {
  position: relative;
  z-index: 2;
}

.docs-scene__shade {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.5);
}

.docs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  max-width: 1200px;
  margin: 24px auto 0;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

.docs-nav {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 48px;
  padding: 0 24px;
}

.docs-tabs {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  width: 100%;
  margin: 0;
  padding: 18px 24px;
  position: relative;
  z-index: 10;
  background: #1a1a1a;
  box-shadow: 0 -12px 24px rgba(0, 0, 0, 0.35);
}

.docs-tab {
  border: 2px solid rgba(255, 255, 255, 0.35);
  background: transparent;
  color: #f2f2f2;
  border-radius: 999px;
  padding: 10px 22px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.docs-tab:hover:not(.is-active) {
  border-color: var(--green);
  color: var(--white);
}

.docs-tab.is-active {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}

.docs-panel {
  position: relative;
  z-index: 1;
  padding-top: 8px;
}

.road-coverage {
  max-width: 1200px;
  margin: 16px auto 0;
  padding: 8px 24px 0;
}

.road-coverage__header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 32px;
}

.road-coverage__title {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--white);
  margin-bottom: 12px;
}

.road-coverage__lead {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.05rem;
  line-height: 1.6;
}

.road-coverage__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.road-coverage__card {
  background: #fffef8;
  color: var(--text);
  border: 2px solid #1a1a1a;
  box-shadow: 5px 5px 0 rgba(0, 0, 0, 0.14);
  padding: 24px 24px 22px;
  position: relative;
}

.road-coverage__card:nth-child(even) {
  background: #2a2a2a;
  color: #e8e8e8;
}

.road-coverage__num {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--green);
  margin-bottom: 8px;
}

.road-coverage__card h3 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.road-coverage__card p {
  font-size: 0.95rem;
  line-height: 1.55;
  margin: 0;
}

.road-coverage__intro {
  margin-bottom: 10px;
}

.road-coverage__limits {
  margin: 0 0 10px;
  padding: 10px 12px 10px 28px;
  background: rgba(0, 90, 36, 0.22);
  border: 1px solid rgba(0, 90, 36, 0.42);
  border-radius: 8px;
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--gray-800);
}

.road-coverage__limits li + li {
  margin-top: 4px;
}

.road-coverage__card:nth-child(even) .road-coverage__limits {
  background: rgba(0, 120, 48, 0.34);
  border-color: rgba(0, 150, 60, 0.5);
  color: rgba(255, 255, 255, 0.95);
}

.road-coverage__limits strong {
  color: var(--navy);
}

.road-coverage__card:nth-child(even) .road-coverage__limits strong {
  color: var(--white);
}

.road-coverage__followup {
  margin-bottom: 0;
}

.road-coverage__note {
  text-align: center;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.92rem;
  line-height: 1.55;
  max-width: 720px;
  margin: 28px auto 0;
}

.about-bio {
  display: grid;
  grid-template-columns: minmax(260px, 360px) minmax(0, 1fr);
  gap: 28px;
  max-width: 1100px;
  margin: 16px auto 0;
  padding: 0 24px;
  align-items: start;
}

.about-bio__media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border: 2px solid #1a1a1a;
  box-shadow: 6px 6px 0 rgba(0, 0, 0, 0.18);
}

.about-bio__caption {
  margin-top: 12px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.45;
  font-style: italic;
}

.about-bio__content {
  max-width: none;
}

.about-bio__name {
  font-family: var(--font-serif);
  font-size: 2rem;
  margin-bottom: 4px;
}

.about-bio__role {
  font-size: 1rem;
  color: var(--green-hover);
  font-weight: 600;
  margin-bottom: 0;
}

.about-bio__highlights {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  list-style: none;
  margin: 20px 0 24px;
  padding: 0;
}

.about-bio__highlights li {
  background: rgba(0, 200, 83, 0.12);
  border: 1px solid rgba(0, 168, 68, 0.35);
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}

.about-bio__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

@media (max-width: 1024px) {
  .docs-grid {
    grid-template-columns: 1fr;
    margin-top: 20px;
  }

  .road-coverage__grid {
    grid-template-columns: 1fr;
  }

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

  .story--opener {
    height: 250vh;
  }
}

@media (max-width: 768px) {
  .chapter-nav.is-visible .chapter-nav__inner {
    min-width: 30px;
    padding: 14px 5px;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__inner {
    padding: 10px 6px 10px 10px;
  }

  .chapter-nav__inner {
    max-height: 70vh;
  }

  .chapter-nav.is-visible.is-expanded .chapter-nav__link .chapter-nav__name {
    font-size: 0.62rem;
  }

  :root {
    --chapter-scroll-height: 185vh;
    --chapter-enter-height: 145vh;
    --chapter-overlap: 100vh;
  }

  .enter__content {
    padding: calc(var(--header-height) + 16px) 16px 24px;
  }

  .enter__title {
    font-size: clamp(1.05rem, 4.9vw, 1.54rem);
  }

  .chapter__content {
    justify-content: center;
    padding: 90px 16px 48px;
  }

  .speech-bubble {
    max-width: 90%;
    padding: 12px 20px;
  }

  .scroll-panel {
    flex: 0 0 88vw;
    height: 50vh;
    min-height: 320px;
  }

  .paper-doc {
    padding: 36px 24px;
  }

  .speech-bubble--scene {
    max-width: min(210px, 72vw);
  }
}

/* ============================================
   ANIMATED IMAGES (Ken Burns / cinematic pan)
   ============================================ */

.img-animate-wrap {
  overflow: hidden;
  will-change: transform;
}

.img-animate-wrap--fill {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.img-animate-wrap--fill > img,
.img-animate-wrap--fill > .img-animate-target {
  position: absolute;
  width: 118%;
  height: 118%;
  left: -9%;
  top: -9%;
  object-fit: cover;
  will-change: transform;
}

.img-animate-wrap--card {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.img-animate-wrap--card > img {
  position: absolute;
  width: 118%;
  height: 118%;
  left: -9%;
  top: -9%;
  object-fit: cover;
}

.img-animate-wrap.is-paused > img,
.img-animate-wrap.is-paused > .img-animate-target {
  animation-play-state: paused;
}

.img-animate-wrap--ken-a > img,
.img-animate-wrap--ken-a > .img-animate-target {
  animation: kenBurnsA 24s ease-in-out infinite alternate;
}

.img-animate-wrap--ken-b > img,
.img-animate-wrap--ken-b > .img-animate-target {
  animation: kenBurnsB 20s ease-in-out infinite alternate;
}

.img-animate-wrap--ken-c > img,
.img-animate-wrap--ken-c > .img-animate-target {
  animation: kenBurnsC 22s ease-in-out infinite alternate;
}

.quick-action--img {
  background-size: 115% !important;
  animation: bgPanA 18s ease-in-out infinite alternate;
}

.quick-action--img:nth-child(2) { animation-name: bgPanB; }
.quick-action--img:nth-child(3) { animation-name: bgPanC; }
.quick-action--img:nth-child(4) { animation-name: bgPanA; }

@keyframes kenBurnsA {
  0%   { transform: scale(1) translate(0, 0); }
  100% { transform: scale(1.08) translate(-2%, -1.5%); }
}

@keyframes kenBurnsB {
  0%   { transform: scale(1.04) translate(1.5%, 0); }
  100% { transform: scale(1.1) translate(-1%, -2%); }
}

@keyframes kenBurnsC {
  0%   { transform: scale(1) translate(-1.5%, 1%); }
  100% { transform: scale(1.07) translate(2%, -1%); }
}

@keyframes chapter2KenBurns {
  0%   { --ken-scale: 1; --ken-tx: 0%; --ken-ty: 0%; }
  100% { --ken-scale: 1.25; --ken-tx: -3%; --ken-ty: -2%; }
}

@keyframes bgPanA {
  0%   { background-position: 48% 50%; background-size: 112%; }
  100% { background-position: 54% 46%; background-size: 120%; }
}

@keyframes bgPanB {
  0%   { background-position: 50% 52%; background-size: 115%; }
  100% { background-position: 44% 48%; background-size: 122%; }
}

@keyframes bgPanC {
  0%   { background-position: 46% 48%; background-size: 110%; }
  100% { background-position: 52% 54%; background-size: 118%; }
}

@media (prefers-reduced-motion: reduce) {
  .img-animate-wrap > img,
  .img-animate-wrap > .img-animate-target,
  .quick-action--img,
  .site-header__phone svg,
  .main-nav__priority-btn--call svg,
  .mobile-cta-bar__call svg,
  .logo__img,
  .fcib-logo {
    animation: none !important;
  }

  .logo__img,
  .fcib-logo {
    filter:
      drop-shadow(0 0 10px rgba(var(--logo-glow-3), 0.56))
      drop-shadow(0 0 22px rgba(var(--logo-glow-3), 0.34));
  }
}

/* ============================================
   STORY FAMILY — Diego and Elena real-people showcase
   ============================================ */
.story-family {
  background: var(--off-white);
  padding: 72px 0 64px;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}

.story-family--early {
  padding-top: 36px;
  padding-bottom: 40px;
  border-top: none;
  box-shadow: 0 10px 30px -15px rgba(0, 0, 0, 0.08);
}

.story-family--early .story-family__header {
  margin-bottom: 28px;
}

.story-family__header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 40px;
}

.story-family__lead {
  font-size: 1.05rem;
  color: var(--gray-600);
  margin-top: 12px;
}

.story-family__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.story-family__card {
  background: #fff;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
}

.story-family__card .story-family__image {
  width: 100%;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: #f2f4f7;
  position: relative;
}

.story-family__card img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  transition: transform 420ms cubic-bezier(0.4, 0, 0.2, 1), box-shadow 420ms ease;
  will-change: transform;
}

.story-family__card:hover img {
  transform: translateY(-6px) scale(1.015);
  box-shadow: 0 20px 45px -12px rgba(0, 0, 0, 0.18);
}

/* Fix for image 2 (wedding photo) — better framing of right side content */
.story-family__grid .story-family__card:nth-child(2) img {
  object-position: 60% 45%;
}

.story-family__card figcaption {
  padding: 18px 20px 22px;
  font-size: 0.95rem;
  line-height: 1.55;
  color: var(--text);
  border-top: 1px solid var(--gray-200);
}

.story-family__card figcaption strong {
  display: block;
  font-size: 1.02rem;
  color: var(--black);
  margin-bottom: 4px;
  font-weight: 600;
}

.story-family__note {
  text-align: center;
  margin: 32px auto 0;
  max-width: 620px;
  font-size: 0.95rem;
  color: var(--gray-600);
  font-style: italic;
}

@media (max-width: 768px) {
  .story-family__grid {
    grid-template-columns: 1fr;
    max-width: 520px;
  }
  .story-family {
    padding: 56px 0 48px;
  }

  .story-family--early {
    padding-top: 28px;
    padding-bottom: 32px;
  }

  .story-family--early .story-family__header {
    margin-bottom: 20px;
  }
}

/* ============================================
   MOBILE EXPERIENCE — ≤768px tablet/phone, ≤480px phone
   ============================================ */

.mobile-cta-bar {
  display: none;
}

.main-nav__mobile-priority {
  display: none;
}

@media (max-width: 768px) {
  html,
  body {
    max-width: 100%;
    overflow-x: hidden;
  }

  body {
    padding-bottom: calc(var(--mobile-cta-height, 60px) + env(safe-area-inset-bottom, 0px));
  }

  body.has-mobile-hero-dock {
    padding-bottom: env(safe-area-inset-bottom, 0px);
  }

  input,
  select,
  textarea,
  .quote-chatbot__input {
    font-size: 16px;
  }

  a,
  button,
  .btn,
  .mobile-cta-bar__btn,
  .main-nav__priority-btn,
  .chapter-nav__link,
  .nav-toggle {
    -webkit-tap-highlight-color: rgba(0, 200, 83, 0.2);
  }

  @media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
      animation-duration: 0.01ms !important;
      animation-iteration-count: 1 !important;
      transition-duration: 0.01ms !important;
      scroll-behavior: auto !important;
    }
  }

  .main-nav__mobile-priority {
    display: flex;
    flex-direction: column;
    gap: 10px;
    width: 100%;
    padding: 0 0 20px;
    margin-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }

  .main-nav__priority-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 48px;
    width: 100%;
    padding: 12px 16px;
    border-radius: 10px;
    font-size: 1rem;
    font-weight: 700;
    text-decoration: none;
    border: 1.5px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
    font-family: inherit;
    cursor: pointer;
  }

  .main-nav__priority-btn--quote {
    border-color: transparent;
  }

  .main-nav__priority-btn--call svg {
    flex-shrink: 0;
    color: var(--green-light);
  }

  .enter__scroll {
    display: none;
  }

  .enter__eyebrow--soon {
    display: inline;
  }

  .speech-bubble--hero {
    display: none;
  }
  .mobile-cta-bar {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
    position: fixed;
    left: 50%;
    bottom: 34%;
    transform: translateX(-50%);
    z-index: 115;
    width: min(calc(100dvw - var(--mobile-chapter-nav-width) - 24px), 340px);
    padding: 0 12px;
    padding-left: max(12px, env(safe-area-inset-left));
    background: transparent;
    border: none;
    box-shadow: none;
    pointer-events: none;
  }

  .mobile-cta-bar__center {
    display: flex;
    align-items: stretch;
    justify-content: center;
    gap: 10px;
    width: 100%;
    pointer-events: auto;
  }

  .mobile-cta-bar__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 48px;
    padding: 12px 16px;
    border-radius: 999px;
    font-size: 0.82rem;
    font-weight: 700;
    line-height: 1.1;
    text-decoration: none;
    white-space: nowrap;
    border: 1.5px solid rgba(255, 255, 255, 0.35);
    cursor: pointer;
    font-family: inherit;
    box-shadow: 0 10px 28px rgba(0, 0, 0, 0.35);
  }

  .mobile-cta-bar__chat,
  .mobile-cta-bar__call {
    flex: 1 1 0;
    background: rgba(8, 8, 8, 0.82);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    color: var(--white);
  }

  .mobile-cta-bar__chat svg,
  .mobile-cta-bar__call svg {
    flex-shrink: 0;
    color: var(--green-light);
  }

  .mobile-cta-bar__phone {
    font-size: 0.8rem;
    letter-spacing: 0.01em;
  }

  .mobile-cta-bar__quote {
    width: 100%;
    max-width: 220px;
    min-height: 44px;
    padding: 10px 18px;
    font-size: 0.78rem;
    pointer-events: auto;
  }

  .mobile-cta-bar.is-sticky-bottom {
    top: auto;
    bottom: 0;
    left: 0;
    right: 0;
    transform: none;
    flex-direction: row;
    align-items: stretch;
    width: 100%;
    gap: 8px;
    padding: 8px 10px calc(8px + env(safe-area-inset-bottom, 0px));
    padding-left: max(10px, env(safe-area-inset-left));
    padding-right: max(calc(10px + var(--mobile-chapter-nav-width)), env(safe-area-inset-right));
    background: rgba(10, 10, 10, 0.96);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    box-shadow: 0 -8px 28px rgba(0, 0, 0, 0.28);
    pointer-events: auto;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__center {
    flex: 1.4 1 0;
    gap: 8px;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__quote {
    flex: 1 1 0;
    width: auto;
    max-width: none;
    min-height: 44px;
    margin: 0;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__btn {
    min-height: 44px;
    padding: 10px 12px;
    font-size: 0.74rem;
    box-shadow: none;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__phone {
    font-size: 0.7rem;
  }

  .enter__hero-center.site-header__states {
    font-size: clamp(0.58rem, 2.8vw, 0.72rem);
    line-height: 1.5;
    padding: 0 6px;
  }

  .enter__title {
    max-width: 100%;
    padding: 0 4px;
    font-size: clamp(1.45rem, 6.5vw, 2rem);
    margin-bottom: 16px;
  }

  .enter__content {
    padding-top: calc(var(--header-height) + 8px);
    padding-right: calc(var(--mobile-chapter-nav-width) + 8px);
    padding-left: max(12px, env(safe-area-inset-left));
    padding-bottom: 100px;
    justify-content: center;
  }

  .enter__story {
    margin-top: 0;
    padding-top: 8px;
  }

  #contact-form,
  #services,
  #carriers,
  #carrier-map,
  #insights,
  #contact,
  #coverage-docs,
  #partner,
  #story-family {
    scroll-margin-top: calc(var(--header-height) + 12px);
    scroll-margin-bottom: calc(var(--mobile-cta-height, 60px) + 12px);
  }

  #story-family {
  display: none;
  }

  .journey {
    overflow-x: hidden;
  }

  .journey > .chapter ~ .chapter {
    margin-top: 0;
  }

  :root {
    --chapter-scroll-height: var(--chapter-mobile-min-height);
    --chapter-overlap: 0vh;
  }

  .chapter,
  .chapter--enter,
  #chapter-11 {
    height: auto;
    min-height: var(--chapter-mobile-min-height);
    overflow: hidden;
  }

  .chapter__sticky {
    position: relative;
    height: 100svh;
    height: 100dvh;
    min-height: 520px;
    max-height: none;
    overflow: hidden;
  }

  .chapter__sticky > .chapter__bg {
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: 100%;
    min-height: 100%;
    max-width: none;
    object-fit: cover;
    object-position: center center;
    animation: none !important;
    transform: scale(var(--blend-scale, 1)) !important;
  }

  .chapter--enter .chapter__sticky > .chapter__bg {
    object-position: center 38%;
  }

  #chapter-2 .chapter__sticky > .chapter__bg {
    object-position: center 42%;
  }

  #chapter-11 .chapter__sticky > .chapter__bg {
    object-position: center 55%;
  }

  .story-family__card .story-family__image {
    aspect-ratio: 16 / 10;
    max-height: none;
    width: 100%;
  }

  .story-family__card img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
  }

  .story-family__grid .story-family__card:nth-child(2) img {
    object-position: center center;
    transform: none;
  }

  .story-family__card:hover img {
    transform: none;
  }

  .contact-cta__bg {
    min-height: 260px;
  }

  .contact-cta__img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
  }

  .docs-scene__bg {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
  }

  .quick-action__img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
  }

  .about-bio__media img {
    width: 100%;
    max-height: 420px;
    aspect-ratio: 4 / 5;
    object-fit: cover;
    object-position: center center;
  }

  .chapter-nav {
    display: block !important;
    top: calc(50% - 1in);
    right: 0;
    max-height: 72vh;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(-50%);
    z-index: 260;
  }

  .chapter-nav.is-visible {
    transform: translateY(-50%);
  }

  .chapter-nav .chapter-nav__inner {
    min-width: var(--mobile-chapter-nav-width);
    padding: 12px 4px;
    border-radius: 12px 0 0 12px;
    cursor: pointer;
  }

  .chapter-nav .chapter-nav__heading {
    writing-mode: vertical-rl;
    text-orientation: mixed;
    transform: rotate(180deg);
    margin-bottom: 0;
    padding-right: 0;
    text-align: center;
    font-size: 0.56rem;
    letter-spacing: 0.14em;
  }

  .chapter-nav:not(.is-expanded) .chapter-nav__list,
  .chapter-nav.is-collapsed .chapter-nav__list {
    opacity: 0;
    max-height: 0;
    overflow: hidden;
    pointer-events: none;
  }

  .chapter-nav.is-expanded {
    right: 0;
    max-width: calc(100vw - 16px);
  }

  .chapter-nav.is-expanded .chapter-nav__inner {
    min-width: 168px;
    padding: 12px 8px 12px 10px;
    cursor: default;
  }

  .chapter-nav.is-expanded .chapter-nav__heading {
    writing-mode: horizontal-tb;
    transform: none;
    margin-bottom: 8px;
    text-align: left;
    font-size: 0.62rem;
  }

  .chapter-nav.is-expanded .chapter-nav__list {
    opacity: 1;
    max-height: calc(72vh - 36px);
    pointer-events: auto;
  }

  .chapter-nav.is-expanded .chapter-nav__link {
    pointer-events: auto;
    cursor: pointer;
  }

  .chapter-nav__link {
    min-height: 44px;
    padding: 8px 10px;
  }

  .chapter-nav__name {
    font-size: 0.72rem;
  }

  .story-audio-toggle {
    bottom: calc(var(--mobile-cta-height, 60px) + 12px + env(safe-area-inset-bottom, 0px));
    left: max(12px, env(safe-area-inset-left));
    z-index: 120;
  }

  body.has-mobile-hero-dock .story-audio-toggle {
    bottom: calc(12px + env(safe-area-inset-bottom, 0px));
  }

  .page-nav-dock {
    bottom: calc(var(--mobile-cta-height, 60px) + 12px + env(safe-area-inset-bottom, 0px));
    right: max(12px, env(safe-area-inset-right));
    left: auto;
    z-index: 120;
  }

  body.has-mobile-hero-dock .page-nav-dock {
    bottom: calc(12px + env(safe-area-inset-bottom, 0px));
  }

  .back-to-top.visible {
    transform: translateY(0);
  }

  .docs-grid {
    margin-top: 16px;
    padding: 0 16px;
    gap: 20px;
  }

  .docs-tabs {
    padding: 14px 16px;
    gap: 8px;
  }

  .docs-tab {
    padding: 10px 16px;
    font-size: 0.88rem;
  }

  .docs-scene {
    height: 40vh;
    min-height: 220px;
  }

  .contact-form {
    padding: 24px 18px;
  }

  .contact-form-section {
    padding: 64px 0 calc(80px + var(--mobile-cta-height, 60px) + env(safe-area-inset-bottom, 0px));
  }

  .chapter__actions {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    max-width: 320px;
    margin-inline: auto;
  }

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

  .site-header__quote,
  .quote-stack {
    display: none;
  }

  .value-props__grid,
  .partner__grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  img:not(.chapter__bg):not(.contact-cta__img):not(.quick-action__img):not(.docs-scene__bg):not(.value-props__hero-bg),
  video {
    max-width: 100%;
    height: auto;
  }

  .grok-contact-form .form-row {
    grid-template-columns: 1fr;
  }

  .insurance-help {
    padding: 22px 18px;
  }

  .carriers__map-panel {
    padding: 0;
  }

  .carriers__map {
    max-width: 100%;
    overflow: hidden;
  }

  .carriers__map svg,
  .carriers__map-svg {
    width: 100%;
    height: auto;
    max-height: 280px;
  }

  .top-auto-carriers__grid {
    --carrier-grid-gap: 12px;
  }

  .quick-action--image,
  .quick-action--video {
    min-height: 180px;
  }

  .section-title {
    font-size: clamp(1.45rem, 6vw, 1.85rem);
  }

  .container {
    padding-left: max(16px, env(safe-area-inset-left));
    padding-right: max(16px, env(safe-area-inset-right));
  }

  .insights {
    padding: 56px 0 72px;
  }

  .section-divider--carriers-insights {
    height: 24px;
  }

  .story-family--early {
    padding-top: 40px;
  }
}

@media (max-width: 430px) {
  .mobile-cta-bar:not(.is-sticky-bottom) {
    bottom: 32%;
    width: min(calc(100% - var(--mobile-chapter-nav-width) - 12px), 320px);
  }

  .enter__title {
    font-size: clamp(1.35rem, 7vw, 1.75rem);
  }
}

@media (max-width: 390px) {
  .mobile-cta-bar:not(.is-sticky-bottom) .mobile-cta-bar__center {
    flex-direction: column;
    gap: 8px;
  }

  .mobile-cta-bar:not(.is-sticky-bottom) .mobile-cta-bar__chat,
  .mobile-cta-bar:not(.is-sticky-bottom) .mobile-cta-bar__call {
    width: 100%;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__phone {
    display: none;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__call::after {
    content: 'Call';
    font-size: 0.74rem;
    font-weight: 700;
  }
}

@media (max-width: 360px) {
  :root {
    --mobile-chapter-nav-width: 32px;
  }

  .mobile-cta-bar:not(.is-sticky-bottom) {
    bottom: 30%;
    width: min(calc(100% - var(--mobile-chapter-nav-width) - 8px), 300px);
  }

  .enter__title {
    font-size: clamp(1.28rem, 7.2vw, 1.65rem);
  }

  .chapter-nav .chapter-nav__heading {
    font-size: 0.5rem;
  }
}

@media (max-width: 375px) {
  :root {
    --header-bar-height: 92px;
  }

  .enter__hero-center.site-header__states {
    font-size: 0.54rem;
  }

  .logo__img,
  .fcib-logo {
    max-height: 52px;
  }
}

@media (max-width: 480px) {
  .mobile-cta-bar__btn {
    min-height: 44px;
    padding: 10px 12px;
    font-size: 0.76rem;
  }

  .mobile-cta-bar__phone {
    font-size: 0.72rem;
  }

  .mobile-cta-bar__quote {
    font-size: 0.72rem;
  }

  .chapter__content {
    padding: 72px 14px 40px;
  }

  .chapter__title {
    font-size: clamp(1.2rem, 5.5vw, 1.6rem);
  }

  .speech-bubble {
    max-width: 94%;
    font-size: 0.92rem;
  }

  .agent-callback-modal__dialog {
    padding: 24px 18px 20px;
    margin: 0 8px;
  }
}

@media (max-width: 320px) {
  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__chat span,
  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__call .mobile-cta-bar__phone {
    display: none;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__quote {
    font-size: 0.68rem;
    padding: 10px 8px;
  }

  .enter__title {
    font-size: 1.28rem;
  }
}