/* =====================================================================
   Auto Insurance Texas — "Velocity" design system (2026)
   Bright, modern, conversion-first insurtech look.
   Display: Plus Jakarta Sans · UI/body: Inter
   Cobalt-blue brand + warm amber quote accent on clean light surfaces.
   ===================================================================== */

:root{
  --ink:#0B1F44;            /* deep navy text */
  --ink-soft:#5A6B86;       /* secondary text */
  --ink-mute:#8A98AE;
  --blue:#2563EB;           /* electric cobalt — primary brand */
  --blue-600:#1D4FD7;
  --blue-700:#1E40AF;
  --blue-50:#EEF3FE;
  --blue-100:#DCE7FD;
  --amber:#FFB020;          /* quote / CTA accent */
  --amber-600:#F59E0B;
  --amber-50:#FFF6E6;
  --navy:#0B1F44;           /* dark panels */
  --navy-800:#0E2552;
  --ok:#16A34A;
  --bg:#FFFFFF;
  --bg-soft:#F4F7FC;        /* light cool wash */
  --bg-tint:#EEF3FE;
  --line:#E4EAF3;
  --line-strong:#D3DCEA;
  --white:#fff;
  --shadow-sm:0 1px 2px rgba(11,31,68,.05), 0 2px 8px rgba(11,31,68,.05);
  --shadow:0 6px 18px -6px rgba(11,31,68,.12), 0 2px 6px rgba(11,31,68,.06);
  --shadow-lg:0 28px 60px -18px rgba(11,31,68,.28);
  --shadow-blue:0 14px 30px -10px rgba(37,99,235,.5);
  --shadow-amber:0 12px 26px -8px rgba(245,158,11,.55);
  --radius:20px;
  --radius-sm:12px;
  --radius-lg:28px;
  --maxw:1180px;
  --font-display:'Plus Jakarta Sans',system-ui,sans-serif;
  --font-body:'Inter',system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);
  line-height:1.6;font-size:17px;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-700)}

h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);line-height:1.1;margin:0 0 .5em;font-weight:800;letter-spacing:-.025em}
h1{font-size:clamp(2.4rem,5.2vw,3.7rem)}
h2{font-size:clamp(1.7rem,3.3vw,2.5rem)}
h3{font-size:1.3rem;font-weight:700}
p{margin:0 0 1rem}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--blue);color:#fff;padding:10px 16px;z-index:200}
.skip-link:focus{left:8px;top:8px;border-radius:8px}

/* ---------- star helpers ---------- */
.star-dot{display:inline-block;width:8px;height:8px;margin-right:7px;background:var(--amber);
  clip-path:polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%);transform:translateY(1px)}
.star-mini{color:var(--amber)}

/* ---------- eyebrow ---------- */
.eyebrow,.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-body);
  font-weight:700;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);
  background:var(--blue-50);padding:7px 14px;border-radius:999px}
.section-head .eyebrow{margin-bottom:16px}
.section-head.center{text-align:center;max-width:720px;margin:0 auto 48px}
.section-head.center .eyebrow{justify-content:center}
.section-head .lead{margin-top:12px}

/* ---------- announcement ---------- */
.announce{background:var(--navy);color:#D9E4FA;font-size:.86rem;font-weight:500}
.announce .container{padding-top:10px;padding-bottom:10px;display:flex;align-items:center;justify-content:center;text-align:center;gap:8px}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.85);
  backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:74px;gap:18px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none}
.brand-star{color:var(--blue);display:flex;align-items:center}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--font-display);font-weight:800;font-size:1.16rem;color:var(--ink);letter-spacing:-.03em}
.brand-state{font-family:var(--font-body);font-weight:700;font-size:.64rem;letter-spacing:.28em;color:var(--blue);margin-top:4px}
.primary-nav{display:flex;align-items:center;gap:26px}
.primary-nav ul{display:flex;gap:24px;list-style:none;margin:0;padding:0}
.primary-nav a{color:var(--ink-soft);font-weight:600;font-size:.93rem;padding:6px 0;position:relative}
.primary-nav a:hover{color:var(--blue)}
.primary-nav a.is-active{color:var(--ink)}
.primary-nav a.is-active::after{content:"";position:absolute;left:0;right:0;bottom:-3px;height:2.5px;background:var(--blue);border-radius:2px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;justify-content:center;font-family:var(--font-display);
  font-weight:700;border-radius:var(--radius-sm);padding:13px 24px;border:0;cursor:pointer;
  transition:transform .16s ease,box-shadow .16s ease,background .16s ease;font-size:.96rem;text-decoration:none;letter-spacing:-.01em}
.btn-cta{background:var(--amber);color:var(--navy);box-shadow:var(--shadow-amber)}
.btn-cta:hover{background:var(--amber-600);color:var(--navy);transform:translateY(-2px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:var(--shadow-blue)}
.btn-primary:hover{background:var(--blue-600);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:#fff;color:var(--ink);border:1.6px solid var(--line-strong);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn-lg{padding:16px 30px;font-size:1.04rem}
.btn-block{width:100%}
.header-cta{padding:11px 20px;font-size:.9rem}

/* ---------- sections ---------- */
.section{padding:84px 0}
.bg-white{background:var(--bg)}
.bg-paper{background:var(--bg-soft)}
.bg-soft{background:var(--bg-tint)}
.lead{font-size:1.2rem;line-height:1.6;color:var(--ink-soft);font-weight:400}
.center,.text-center{text-align:center}
.mt-4{margin-top:30px}
.mb-0{margin-bottom:0}

/* =====================================================================
   HERO — headline + free-quote widget
   ===================================================================== */
.hero{position:relative;background:
    radial-gradient(60% 80% at 85% 0,var(--blue-50),transparent 70%),
    radial-gradient(50% 60% at 0% 100%,var(--amber-50),transparent 60%),
    var(--bg);
  overflow:hidden;border-bottom:1px solid var(--line)}
.hero-star{position:absolute;right:-90px;top:-40px;width:min(380px,40vw);height:auto;color:var(--blue-50);opacity:.7;pointer-events:none;z-index:0}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;padding:76px 24px 84px}
.hero-eyebrow{margin-bottom:22px}
.hero h1{font-size:clamp(2.6rem,5.4vw,4rem);margin-bottom:20px}
.hero h1 .accent{position:relative;color:var(--ink);white-space:nowrap}
.hero h1 .accent::after{content:"";position:absolute;left:-2px;right:-2px;bottom:6px;height:.34em;
  background:var(--amber);opacity:.55;z-index:-1;border-radius:3px}
.accent{color:var(--blue)}
.hero-lead{font-size:1.24rem;line-height:1.55;color:var(--ink-soft);max-width:32em;margin-bottom:28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-trust{display:flex;gap:26px;flex-wrap:wrap;padding-top:8px}
.hero-trust div{font-size:.84rem;color:var(--ink-soft);line-height:1.35;display:flex;align-items:center;gap:8px}
.hero-trust b{font-family:var(--font-display);font-weight:800;color:var(--ink);font-size:1rem}
.hero-trust .chk{width:20px;height:20px;border-radius:50%;background:var(--blue-50);color:var(--blue);
  display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;font-size:.7rem;font-weight:800}

/* Quote widget (hero card reused as quote starter) */
.hero-card,.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:var(--shadow-lg);position:relative}
.quote-card{overflow:hidden}
.quote-badge{display:inline-flex;align-items:center;gap:8px;background:var(--amber-50);color:#9A6400;
  font-family:var(--font-display);font-weight:700;font-size:.82rem;padding:7px 13px;border-radius:999px;margin-bottom:14px}
.quote-badge .clock{width:16px;height:16px}
.quote-card h3{font-size:1.45rem;margin-bottom:6px;letter-spacing:-.02em}
.quote-card .qsub{color:var(--ink-soft);font-size:.95rem;margin-bottom:18px}
.quote-field{margin-bottom:14px}
.quote-field label{display:block;font-family:var(--font-display);font-weight:600;font-size:.86rem;color:var(--ink);margin-bottom:6px}
.quote-field input,.quote-field select{width:100%;padding:14px 16px;border:1.5px solid var(--line-strong);
  border-radius:var(--radius-sm);font-family:var(--font-body);font-size:1rem;background:#fff;color:var(--ink)}
.quote-field input:focus,.quote-field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.quote-zip-row{display:grid;grid-template-columns:1fr auto;gap:10px;align-items:end}
.quote-foot{display:flex;align-items:center;gap:14px;justify-content:center;margin-top:14px;flex-wrap:wrap;
  font-size:.8rem;color:var(--ink-mute)}
.quote-foot span{display:inline-flex;align-items:center;gap:6px}
.quote-foot .dotc{width:6px;height:6px;border-radius:50%;background:var(--ok)}

/* hero requirement card legacy (used elsewhere) */
.req-row{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-bottom:1px dashed var(--line)}
.req-row .lbl{color:var(--ink-soft);font-size:.92rem}
.req-row .val{font-family:var(--font-display);font-weight:800;font-size:1.4rem;color:var(--ink)}
.req-tag{display:inline-block;margin-top:16px;background:var(--blue);color:#fff;font-family:var(--font-body);
  font-weight:700;font-size:.72rem;letter-spacing:.08em;padding:7px 13px;border-radius:8px}

/* =====================================================================
   "How it works" — 3 steps / 10 minutes
   ===================================================================== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;position:relative;box-shadow:var(--shadow-sm)}
.step .num{width:42px;height:42px;border-radius:12px;background:var(--blue);color:#fff;font-family:var(--font-display);
  font-weight:800;font-size:1.15rem;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.step h3{margin-bottom:8px}
.step p{color:var(--ink-soft);font-size:.96rem;margin:0}
.step .mins{position:absolute;top:26px;right:26px;font-size:.78rem;font-weight:700;color:var(--amber-600);
  background:var(--amber-50);padding:4px 10px;border-radius:999px}

/* =====================================================================
   cards / feature grid
   ===================================================================== */
.grid{display:grid;gap:26px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card h3{margin-bottom:10px}
.card p{color:var(--ink-soft);margin:0;font-size:.97rem}
.card .ic{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:var(--blue-50);color:var(--blue);margin-bottom:18px}
.card .ic svg{width:26px;height:26px}

/* =====================================================================
   stat band
   ===================================================================== */
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.cov-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;
  box-shadow:var(--shadow-sm);position:relative}
.cov-item .big{font-family:var(--font-display);font-weight:800;font-size:3rem;color:var(--blue);letter-spacing:-.03em;line-height:1}
.cov-item .ttl{font-family:var(--font-display);font-weight:700;color:var(--ink);margin-top:8px;font-size:1.05rem}
.cov-item .ds{color:var(--ink-soft);font-size:.9rem;margin-top:6px}

/* =====================================================================
   comparison table
   ===================================================================== */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);background:#fff}
table.compare{width:100%;border-collapse:collapse;min-width:680px}
table.compare thead th{background:var(--bg-soft);color:var(--ink);font-family:var(--font-display);font-weight:700;
  font-size:.8rem;letter-spacing:.02em;text-align:left;padding:16px 18px;text-transform:uppercase;border-bottom:1px solid var(--line)}
table.compare tbody td{padding:17px 18px;border-bottom:1px solid var(--line);font-size:.96rem;vertical-align:middle}
table.compare tbody tr:last-child td{border-bottom:0}
table.compare tbody tr:hover{background:var(--blue-50)}
.co-name{font-family:var(--font-display);font-weight:700;color:var(--ink);font-size:1.02rem}
.price{font-family:var(--font-display);font-weight:800;color:var(--ink)}
.rate-pill{display:inline-block;background:var(--amber-50);color:#9A6400;font-weight:700;font-size:.86rem;padding:4px 11px;border-radius:999px;white-space:nowrap}
.badge-best{display:inline-block;background:var(--ok);color:#fff;font-family:var(--font-body);font-weight:700;
  font-size:.68rem;letter-spacing:.04em;text-transform:uppercase;padding:3px 9px;border-radius:6px;margin-left:6px;vertical-align:middle}
.btn-quote-sm{display:inline-flex;align-items:center;gap:6px;background:var(--blue);color:#fff;font-family:var(--font-display);
  font-weight:700;font-size:.82rem;padding:8px 14px;border-radius:9px;white-space:nowrap}
.btn-quote-sm:hover{background:var(--blue-600);color:#fff}

/* company detail cards */
.co-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative;box-shadow:var(--shadow-sm);transition:box-shadow .2s,transform .2s}
.co-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.co-top{display:flex;align-items:center;gap:14px;margin-bottom:6px}
.co-rank{font-family:var(--font-display);font-weight:800;font-size:1.2rem;color:#fff;background:var(--blue);
  width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.co-card h3{margin:0;font-size:1.25rem}
.co-stars{color:var(--amber-600);font-size:.95rem;font-weight:700;margin-top:2px}
.co-stars small{color:var(--ink-soft);font-weight:500}
.co-tag-military{display:inline-block;background:var(--navy);color:#fff;font-size:.66rem;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:6px;margin-left:6px}
.co-best{color:var(--blue-700);font-weight:600;font-size:1.02rem;margin:10px 0 14px}
.co-prices{display:flex;gap:24px;margin:14px 0;padding:16px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.co-prices .pv{font-family:var(--font-display);font-weight:800;font-size:1.45rem;color:var(--ink);display:block;letter-spacing:-.02em}
.co-prices .pl{font-size:.76rem;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.04em}
.co-body ul{margin:14px 0 0;padding:0;list-style:none}
.co-body li{position:relative;padding:5px 0 5px 26px;font-size:.93rem;color:var(--ink)}
.co-body li::before{content:"";position:absolute;left:2px;top:11px;width:14px;height:8px;border-left:2.5px solid var(--ok);border-bottom:2.5px solid var(--ok);transform:rotate(-45deg)}
.co-note{font-size:.84rem;color:var(--ink-soft);margin-top:14px}
.co-cta{margin-top:18px}

/* =====================================================================
   calculator
   ===================================================================== */
.calc{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:start}
.calc-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm)}
.field{margin-bottom:20px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field label{display:block;font-family:var(--font-display);font-weight:600;font-size:.92rem;color:var(--ink);margin-bottom:7px}
.field select,.field input{width:100%;padding:13px 15px;border:1.5px solid var(--line-strong);border-radius:var(--radius-sm);
  font-family:var(--font-body);font-size:.96rem;background:#fff;color:var(--ink)}
.field select:focus,.field input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.calc-result{position:sticky;top:96px;background:linear-gradient(165deg,var(--navy),var(--blue-700));color:#fff;
  border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-lg)}
.res-label{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:#A9C0EC;font-weight:700}
.res-amount{font-family:var(--font-display);font-weight:800;font-size:3.4rem;color:#fff;line-height:1;margin:10px 0 4px;letter-spacing:-.03em}
.res-amount small{font-size:1.1rem;color:#A9C0EC;font-weight:600}
.res-range{color:var(--amber);font-weight:700;font-size:.95rem;margin-bottom:20px}
.calc-bar{height:9px;background:rgba(255,255,255,.18);border-radius:99px;overflow:hidden;margin:18px 0}
.calc-bar .rb{height:100%;background:linear-gradient(90deg,var(--amber),var(--amber-600));border-radius:99px;transition:width .5s ease}
.res-break{font-size:.86rem;color:#C5D5F0;line-height:1.7;border-top:1px solid rgba(255,255,255,.16);padding-top:16px;margin-top:8px}
.res-break b{color:#fff}
.calc-note{font-size:.82rem;color:var(--ink-soft);margin-top:18px}

/* =====================================================================
   FAQ
   ===================================================================== */
.faq-list{max-width:820px;margin:0 auto}
.faq{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;overflow:hidden;transition:box-shadow .15s,border-color .15s}
.faq[open]{box-shadow:var(--shadow);border-color:var(--blue-100)}
.faq summary{cursor:pointer;padding:20px 24px;font-family:var(--font-display);font-weight:700;color:var(--ink);
  font-size:1.04rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--blue);font-weight:400;transition:transform .2s;flex-shrink:0}
.faq[open] summary::after{transform:rotate(45deg)}
.faq-a{padding:0 24px 20px;color:var(--ink-soft);font-size:1.02rem;line-height:1.65}

/* =====================================================================
   blog
   ===================================================================== */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.post-thumb{display:block;aspect-ratio:16/10;background:linear-gradient(140deg,var(--blue),var(--blue-700));position:relative;overflow:hidden}
.post-thumb img{width:100%;height:100%;object-fit:cover}
.post-thumb .pstar{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:60px;height:60px;color:rgba(255,255,255,.22)}
.pc-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.post-cat{font-family:var(--font-body);font-weight:700;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.post-card h3{font-size:1.2rem;line-height:1.22;margin-bottom:10px}
.post-card h3 a{color:var(--ink)}
.post-card h3 a:hover{color:var(--blue)}
.post-card .pc-body>p{color:var(--ink-soft);font-size:.94rem;margin:0 0 16px;flex:1}
.post-meta{display:flex;justify-content:space-between;font-size:.8rem;color:var(--ink-mute);border-top:1px solid var(--line);padding-top:14px;font-weight:500}

/* article */
.article{max-width:760px;margin:0 auto;padding:0 24px}
.article-header{margin:8px 0 32px}
.article-header h1{font-size:clamp(2.1rem,4.4vw,3rem);margin:12px 0 18px}
.article-meta{display:flex;align-items:center;gap:14px;flex-wrap:wrap;color:var(--ink-soft);font-size:.9rem;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:16px 0}
.article-meta .byline{display:flex;align-items:center;gap:11px}
.article-meta .avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(140deg,var(--blue),var(--blue-700));color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:700;font-size:1rem;flex-shrink:0}
.article-meta .byline b{color:var(--ink);font-weight:700;display:block;font-size:.95rem}
.article-meta .byline span{font-size:.82rem}
.article-meta .dot{color:var(--line-strong)}
.article-body,.prose{font-size:1.16rem;line-height:1.75;color:#243A5E}
.article-body p,.prose p{margin:0 0 1.3rem}
.article-body h2,.prose h2{font-family:var(--font-display);font-size:1.7rem;margin:2.4rem 0 1rem;color:var(--ink);letter-spacing:-.02em}
.article-body h3,.prose h3{font-family:var(--font-display);font-size:1.3rem;margin:1.9rem 0 .7rem;color:var(--ink)}
.article-body a,.prose a{color:var(--blue);text-decoration:underline;text-decoration-color:var(--blue-100);text-underline-offset:3px}
.article-body a:hover,.prose a:hover{text-decoration-color:var(--blue)}
.article-body ul,.article-body ol,.prose ul,.prose ol{margin:0 0 1.3rem;padding-left:1.3em}
.article-body li,.prose li{margin-bottom:.5rem}
.article-body strong,.prose strong{color:var(--ink);font-weight:700}
.article-body blockquote,.prose blockquote{margin:1.6rem 0;padding:18px 24px;border-left:4px solid var(--amber);
  background:var(--amber-50);border-radius:0 12px 12px 0;font-style:normal;color:var(--ink);font-size:1.18rem}
.article-body table,.prose table{width:100%;border-collapse:collapse;margin:1.6rem 0;font-family:var(--font-body);font-size:.96rem;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.article-body th,.prose th{background:var(--bg-soft);color:var(--ink);text-align:left;padding:12px 14px;font-family:var(--font-display);font-weight:700;font-size:.86rem}
.article-body td,.prose td{padding:12px 14px;border-top:1px solid var(--line)}
.note-box,.warn-box{font-family:var(--font-body);font-size:1rem;line-height:1.6;border-radius:var(--radius-sm);padding:18px 22px;margin:1.6rem 0;border:1px solid}
.note-box{background:var(--blue-50);border-color:var(--blue-100);color:#1B3A6B}
.warn-box{background:var(--amber-50);border-color:#F6D58A;color:#7A4E00}

/* editorial / author trust box */
.editorial-note{display:flex;gap:18px;align-items:flex-start;background:var(--bg-soft);border:1px solid var(--line);
  border-left:4px solid var(--blue);border-radius:var(--radius-sm);padding:24px 26px;margin:36px 0 0}
.editorial-note .avatar-lg{width:52px;height:52px;border-radius:50%;flex-shrink:0;background:linear-gradient(140deg,var(--blue),var(--blue-700));color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:700;font-size:1.3rem}
.editorial-note strong{font-family:var(--font-display);color:var(--ink);font-size:1.02rem}
.editorial-note p{margin:6px 0 0;font-size:.92rem;color:var(--ink-soft);line-height:1.6}

/* =====================================================================
   CTA band
   ===================================================================== */
.cta-band{background:linear-gradient(135deg,var(--blue),var(--blue-700));color:#fff;border-radius:var(--radius-lg);
  padding:58px 48px;text-align:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;bottom:-60px;width:240px;height:240px;border-radius:50%;background:rgba(255,255,255,.07)}
.cta-band h2{color:#fff;margin-bottom:12px}
.cta-band p{color:#D5E2FB;max-width:46ch;margin:0 auto 28px;font-size:1.16rem}

/* breadcrumbs */
.crumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.84rem;color:var(--ink-soft);padding:22px 0 0}
.crumbs a{color:var(--blue)}
.crumbs .sep{color:var(--line-strong)}

/* ads */
.ad-wrap{padding:18px 0;text-align:center}
.ad-label{font-size:.64rem;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:8px}
.ad-inline{min-height:90px;display:flex;align-items:center;justify-content:center}
.sidebar-ad{position:sticky;top:96px}

/* =====================================================================
   footer
   ===================================================================== */
.site-footer{background:var(--navy);color:#A9BBD8;padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px}
.footer-brandline{margin-bottom:14px}
.footer-brandline .brand-name{color:#fff}
.footer-brandline .brand-star{color:var(--amber)}
.footer-tag{font-size:1rem;color:#8FA3C6;max-width:32ch;line-height:1.55}
.footer-col h4{font-family:var(--font-display);color:#fff;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:16px;font-weight:700}
.footer-col ul{list-style:none;margin:0;padding:0}
.footer-col li{margin-bottom:10px;font-size:.92rem}
.footer-col a{color:#A9BBD8}
.footer-col a:hover{color:#fff}
.footer-cities li{color:#7388AB}
.footer-disclaimer{padding:24px 0;border-top:1px solid rgba(255,255,255,.1)}
.footer-disclaimer p{font-size:.82rem;color:#7388AB;line-height:1.6;margin:0}
.footer-bar{background:rgba(0,0,0,.22)}
.footer-bar-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;padding:18px 0;font-size:.84rem;color:#7388AB}
.footer-made .star-mini{color:var(--amber)}

/* mobile nav toggle */
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:24px;height:2.5px;background:var(--ink);border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* =====================================================================
   responsive
   ===================================================================== */
@media(max-width:980px){
  .hero-inner{grid-template-columns:1fr;gap:38px;padding:56px 24px 64px}
  .calc{grid-template-columns:1fr}.calc-result{position:static}
  .grid-3,.grid-4,.post-grid,.cov-grid,.steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .section{padding:62px 0}
}
@media(max-width:760px){
  body{font-size:16px}
  .nav-toggle{display:flex}
  .primary-nav{position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;
    padding:8px 24px 24px;border-bottom:1px solid var(--line);transform:translateY(-130%);transition:transform .3s ease;box-shadow:var(--shadow-lg)}
  .primary-nav.open{transform:translateY(0)}
  .primary-nav ul{flex-direction:column;gap:0;width:100%}
  .primary-nav li{border-bottom:1px solid var(--line)}
  .primary-nav a{display:block;padding:15px 0}
  .header-cta{margin-top:14px}
  .grid-2,.grid-3,.grid-4,.post-grid,.cov-grid,.steps,.field-row{grid-template-columns:1fr}
  .co-prices{gap:16px}
  .cta-band{padding:40px 24px}
  .quote-zip-row{grid-template-columns:1fr}
}

/* focus + reduced motion */
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}
@media(prefers-reduced-motion:reduce){*{animation:none !important;transition:none !important;scroll-behavior:auto !important}}