/* ============================================
   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: 210px;
  --header-aside-height: 220px;
  --header-search-height: 52px;
  --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: +15% page height, less overlap so transitions between pages are shorter */
  --chapter-scroll-height: 253vh;
  --chapter-enter-height: 196vh;
  --chapter-overlap: 85vh;
  --chapter-mobile-min-height: 100svh;
  /* O Positive–style page-to-page wipe (brand green + charcoal) */
  --fcib-ptp-green: #00c853;
  --fcib-ptp-dark: #131212;
  --fcib-ptp-ease: cubic-bezier(0.19, 1, 0.22, 1);
  --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);
}

* {
  box-sizing: border-box;
}

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

html, body {
  overflow-x: hidden;
  max-width: 100%;
}

html {
  /* Keep native wheel/trackpad physics — smooth on root causes scroll hesitation */
  scroll-behavior: auto;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

html.fcib-ready {
  /* Still auto for free scroll; anchors use JS smooth where intended */
  scroll-behavior: auto;
}

html.fcib-scroll-lock,
html.fcib-scroll-lock body {
  /* Only briefly applied at page entry — never leave this on during user scroll */
  overflow: hidden !important;
  overscroll-behavior: none;
  scroll-behavior: auto !important;
  touch-action: none;
}

/* Once ready, ensure nothing blocks free scrolling */
html.fcib-ready,
html.fcib-ready body {
  overflow-x: hidden;
  overflow-y: auto;
  overscroll-behavior-y: auto;
  touch-action: manipulation;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.5;
  color: var(--text);
  background: var(--white);
}

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

/* Mobile type + horizontal padding for readable content blocks */
@media (max-width: 768px) {
  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.5rem; }
  .container,
  section:not(.chapter):not(.chapter--enter) {
    padding-left: 16px;
    padding-right: 16px;
  }
}

.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);
}

/* Touch-friendly targets (44px minimum) */
a, button, .btn {
  min-height: 44px;
  min-width: 44px;
  padding: 12px 20px;
}

/* Keep plain text links and compact chrome from ballooning */
p a,
li a:not(.btn),
.site-footer a,
.site-header__utility a,
.main-nav__list a,
.chapter-nav a,
.chapter-nav__heading,
.lang-switch__btn,
.skip-link,
.agent-chat__close,
button.agent-chat__close,
.fcib-app__header-btn,
.fcib-app__nav-item {
  min-height: auto;
  min-width: auto;
  padding: 0;
}

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;
  min-height: 44px;
  min-width: 44px;
  padding: 12px 20px;
  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: 100;
  background: transparent;
  border-bottom: none;
  transition: background 0.4s ease, box-shadow 0.4s ease;
}

/* Phone chip next to search — fixed 2in × 0.5in, clear / transparent shell */
a.site-header__phone.site-header__phone--search,
.site-header__phone.site-header__phone--search {
  display: inline-flex !important;
  flex-direction: row !important; /* icon left, number right */
  align-items: center;
  justify-content: flex-start;
  gap: 6px !important;
  flex: 0 0 auto;
  box-sizing: border-box;
  width: 2in !important;
  min-width: 2in !important;
  max-width: 2in !important;
  height: 0.5in !important;
  min-height: 0.5in !important;
  max-height: 0.5in !important;
  padding: 0 8px !important;
  border-radius: 999px;
  background: transparent !important;
  background-color: transparent !important;
  border: none !important;
  outline: none !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  color: var(--green-light);
  text-decoration: none;
  font-weight: 700;
  /* ~0.95rem + 1/16in (was +1/8in, then −1/16in) */
  font-size: calc(0.95rem + 0.0625in) !important;
  letter-spacing: 0.02em;
  line-height: 1;
  box-shadow: none !important;
  pointer-events: auto;
  white-space: nowrap;
  text-shadow:
    0 1px 2px rgba(0, 0, 0, 0.75),
    0 2px 8px rgba(0, 0, 0, 0.45);
  overflow: visible;
}

/* Corner phone keeps original scale (not the search-row chip) */
.site-header__phone--corner {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex: 0 0 auto;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(10, 10, 10, 0.55);
  border: 1px solid rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: var(--green-light);
  text-decoration: none;
  font-weight: 700;
  font-size: clamp(0.82rem, 1.2vw, 0.95rem);
  letter-spacing: 0.02em;
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.28);
  pointer-events: auto;
  white-space: nowrap;
}

.site-header__phone--search:hover,
.site-header__phone--corner:hover {
  color: var(--white);
  border-color: rgba(105, 240, 174, 0.55);
}

a.site-header__phone.site-header__phone--search:hover,
.site-header__phone.site-header__phone--search:hover,
a.site-header__phone.site-header__phone--search:focus-visible,
.site-header__phone.site-header__phone--search:focus-visible {
  background: transparent !important;
  background-color: transparent !important;
  box-shadow: none !important;
  border: none !important;
  outline: none !important;
}

a.site-header__phone.site-header__phone--search svg,
.site-header__phone.site-header__phone--search svg {
  flex-shrink: 0;
  order: 0; /* always left of the number */
  width: 16px !important;
  height: 16px !important;
  color: inherit;
  display: inline-block;
  margin: 0 !important;
  transform-origin: 50% 85%;
  animation: fcib-phone-ring 2.4s linear infinite !important;
  will-change: transform;
}

a.site-header__phone.site-header__phone--search .site-header__phone-number,
.site-header__phone.site-header__phone--search .site-header__phone-number {
  font-size: calc(0.95rem + 0.0625in) !important;
  line-height: 1 !important;
  overflow: visible;
  text-overflow: unset;
  order: 1; /* always right of the phone icon */
  /* Was -0.125in; +1/8in right → 0 */
  transform: translateX(0);
  display: inline-block;
  margin: 0 !important;
}

.site-header__phone--corner svg {
  flex-shrink: 0;
  color: inherit;
}

/* Search row: [search field] [phone] — centered as a unit */
.site-header__search--with-phone {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 12px 14px;
  width: 100%;
  margin-left: auto;
  margin-right: auto;
  box-sizing: border-box;
  position: relative;
}

.site-header__search--with-phone .site-search {
  margin: 0;
  flex: 0 1 auto;
  width: min(100%, 480px);
  max-width: 520px;
}

/* Phone chip — gap from search field */
.site-header__search--with-phone .site-header__phone--search {
  margin-left: 0.5in;
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
}

/* Same viewport-centering as Trusted carriers (above that strip) */
.site-header--home-layout .site-header__search.site-header__search--with-phone {
  transform: translateX(
    calc(-0.5 * (clamp(240px, 36vw, 480px) - clamp(20px, 4vw, 48px)))
  );
}

/* Centered band under search: trusted carriers ticker + insuring states */
.site-header__center-band {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  width: 100%;
  gap: 8px;
  padding: 2px 0 10px;
  position: relative;
  z-index: 210;
}

/* Trusted carriers — base center in the header band */
.site-header__center-band .carrier-strip,
.site-header__center-band .site-header__ticker {
  width: min(720px, calc(100% - 24px));
  max-width: min(720px, calc(100vw - 48px));
  margin-left: auto;
  margin-right: auto;
  margin-top: 0;
  margin-bottom: 0;
  text-align: center;
  align-self: center;
  box-sizing: border-box;
  position: relative;
}

/*
 * Home layout pads the header much more on the left (logo) than the right,
 * so margin:auto centers inside a box that sits right of the page. Shift left
 * by half the padding difference so the strip is true viewport-center.
 */
.site-header--home-layout .site-header__center-band .carrier-strip,
.site-header--home-layout .site-header__center-band .site-header__ticker {
  width: min(720px, calc(100vw - 48px));
  max-width: min(720px, calc(100vw - 48px));
  margin-left: auto;
  margin-right: auto;
  /* left pad clamp(240px, 36vw, 480px) − right pad clamp(20px, 4vw, 48px) */
  transform: translateX(
    calc(-0.5 * (clamp(240px, 36vw, 480px) - clamp(20px, 4vw, 48px)))
  );
}

.site-header__center-band .carrier-strip__label {
  margin-bottom: 6px;
  text-align: center;
}

.site-header__center-band .site-header__states {
  margin: 0 auto;
  max-width: min(720px, calc(100vw - 48px));
  width: 100%;
  text-align: center;
  line-height: 1.4;
  font-size: clamp(0.72rem, 1.4vw, 0.88rem);
  color: rgba(255, 255, 255, 0.92);
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.55);
  align-self: center;
  box-sizing: border-box;
  position: relative;
}

/* Same viewport-centering as Trusted carriers (under that strip) */
.site-header--home-layout .site-header__center-band .site-header__states {
  max-width: min(720px, calc(100vw - 48px));
  margin-left: auto;
  margin-right: auto;
  transform: translateX(
    calc(-0.5 * (clamp(240px, 36vw, 480px) - clamp(20px, 4vw, 48px)))
  );
}

/* Desktop site pages — independent left rail (not nested under logo / EN–ES) */
.site-header__page-tabs {
  display: none;
  flex-direction: column;
  flex-wrap: nowrap;
  align-items: stretch;
  justify-content: flex-start;
  gap: 5px;
  /* ~30% larger than prior 188px rail */
  width: min(244px, 52vw);
  max-width: min(244px, 52vw);
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  pointer-events: auto;
  position: fixed;
  /* Below logo + EN/ES + Zoom, then +1in lower as an independent rail */
  top: calc(
    max(8px, env(safe-area-inset-top, 0px))
    + clamp(112px, 14vw, 184px)
    + 78px
    + 1in
  );
  left: max(10px, env(safe-area-inset-left, 0px));
  z-index: 231;
  overflow: visible;
  transform: none;
}

.site-header--home-layout .site-header__page-tabs,
.site-header--home-layout .site-header__page-tabs--left {
  width: min(244px, 52vw);
  max-width: min(244px, 52vw);
  margin: 0;
  transform: none;
}

.site-header__page-tab {
  position: relative;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: flex-start;
  gap: 0;
  flex: 0 0 auto;
  min-width: 0;
  width: 100%;
  min-height: 0;
  padding: 0;
  border: none;
  border-radius: 0;
  background: transparent;
  color: rgba(255, 255, 255, 0.92) !important;
  font-size: 1.01rem; /* 0.78rem × 1.3 */
  font-weight: 700;
  line-height: 1.15;
  text-decoration: none !important;
  white-space: normal;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  box-shadow: none;
  transform: translateX(0) scale(1);
  transition:
    color 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.28s cubic-bezier(0.22, 1, 0.36, 1);
  will-change: transform;
}

.site-header__page-tab-label {
  display: block;
  width: 100%;
  padding: 8px 12px; /* 6×1.3 / 9×1.3 */
  border-radius: 8px;
  /* Transparent glass shell by default */
  border: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(10px) saturate(1.15);
  -webkit-backdrop-filter: blur(10px) saturate(1.15);
  box-shadow: none;
  text-align: left;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  line-height: 1.2;
  color: inherit;
  text-shadow: 0 1px 6px rgba(0, 0, 0, 0.55);
  transition:
    background 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    border-color 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    color 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    box-shadow 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.28s cubic-bezier(0.22, 1, 0.36, 1),
    letter-spacing 0.28s ease;
}

/* Page preview — opens to the right of left-rail tabs on hover */
.site-header__page-tab-thumb {
  display: block;
  position: absolute;
  top: 50%;
  left: calc(100% + 10px);
  z-index: 240;
  width: clamp(172px, 17vw, 218px); /* ~30% larger preview */
  aspect-ratio: 16 / 10;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid rgba(105, 240, 174, 0.55);
  background: rgba(0, 0, 0, 0.2);
  box-shadow:
    0 0 0 1px rgba(0, 0, 0, 0.2),
    0 12px 32px rgba(0, 0, 0, 0.45),
    0 0 24px rgba(0, 200, 83, 0.18);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(-50%) translateX(12px) scale(0.92);
  transition:
    opacity 0.3s cubic-bezier(0.22, 1, 0.36, 1),
    visibility 0.3s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.3s cubic-bezier(0.22, 1, 0.36, 1);
}

.site-header__page-tab-thumb img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  transform: scale(1.04);
  transition: transform 0.4s cubic-bezier(0.22, 1, 0.36, 1);
}

/* Dynamic hover: lift, glow, green glass, preview slide-in */
.site-header__page-tab:hover,
.site-header__page-tab:focus-visible {
  color: #b9f6ca !important;
  outline: none;
  transform: translateX(6px) scale(1.03);
  z-index: 232;
}

.site-header__page-tab:hover .site-header__page-tab-label,
.site-header__page-tab:focus-visible .site-header__page-tab-label {
  background: rgba(0, 200, 83, 0.22);
  border-color: rgba(105, 240, 174, 0.85);
  color: #e8ffe8 !important;
  letter-spacing: 0.02em;
  box-shadow:
    0 0 0 1px rgba(105, 240, 174, 0.25),
    0 6px 18px rgba(0, 0, 0, 0.28),
    0 0 20px rgba(0, 200, 83, 0.35),
    inset 0 0 18px rgba(105, 240, 174, 0.12);
}

.site-header__page-tab:hover .site-header__page-tab-thumb,
.site-header__page-tab:focus-visible .site-header__page-tab-thumb,
.site-header__page-tab:focus-within .site-header__page-tab-thumb {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(-50%) translateX(0) scale(1);
}

.site-header__page-tab:hover .site-header__page-tab-thumb img,
.site-header__page-tab:focus-visible .site-header__page-tab-thumb img {
  transform: scale(1);
}

.site-header__page-tab:active {
  transform: translateX(4px) scale(0.99);
}

.site-header__page-tab:active .site-header__page-tab-label {
  background: rgba(0, 200, 83, 0.32);
  box-shadow:
    0 0 0 1px rgba(105, 240, 174, 0.35),
    0 3px 10px rgba(0, 0, 0, 0.25),
    0 0 14px rgba(0, 200, 83, 0.28);
}

@media (min-width: 901px) {
  .site-header--home-layout .site-header__page-tabs,
  .site-header--home-layout .site-header__page-tabs--left {
    display: flex;
  }

  .site-header--home-layout .site-header__center-band {
    gap: 10px;
    padding-bottom: 8px;
  }
}

@media (max-width: 900px) {
  .site-header__page-tabs,
  .site-header__page-tabs--left {
    display: none !important;
  }
}

/* Quote tab — top of right rail above “Our Story” */
.story-quote-tab {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 3px;
  flex: 0 0 auto;
  order: 0;
  margin: -0.125in 0 8px; /* 1/8in total up (2 × 1/16in) */
  width: 100%;
  max-width: 100%;
  min-height: 36px;
  height: auto;
  padding: 8px 12px 7px;
  border-radius: 8px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-decoration: none;
  text-align: center;
  line-height: 1.2;
  pointer-events: auto;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.35);
  position: relative;
  z-index: 3;
}

.story-quote-tab__label {
  display: block;
  width: 100%;
  font-size: inherit;
  font-weight: inherit;
  letter-spacing: inherit;
  text-transform: inherit;
  line-height: 1.15;
}

.story-quote-tab__sub {
  display: block;
  width: 100%;
  max-width: 100%;
  font-size: 1.24rem; /* 2× prior 0.62rem */
  font-weight: 600;
  letter-spacing: 0.01em;
  text-transform: none;
  line-height: 1.25;
  opacity: 0.95;
  white-space: normal;
}

.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: 18px clamp(28px, 3vw, 84px) 10px;
}

.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: none; /* quote + ticker relocated on homepage layout */
}

.site-header--home-layout .site-header__aside {
  display: none;
}

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

/* Home layout: bar no longer reserves aside space for quote stack */
.site-header--home-layout {
  --header-aside-height: 0px;
  --header-bar-height: 96px;
  --header-search-height: 48px;
  --header-center-band-height: 110px;
  --header-height: calc(
    var(--header-search-height) + var(--header-center-band-height) + var(--header-bar-height)
  );
}

.site-header--home-layout .site-header__bar {
  min-height: auto;
  padding-right: clamp(8px, 1vw, 16px);
}

/* Remove About / Products / Carriers / Blog… bar on the homepage */
.site-header--home-layout .main-nav,
.site-header--home-layout .site-header__utility,
.site-header--home-layout .nav-toggle {
  display: none !important;
}

/* Logo — top-left corner; EN/ES + Zoom only (page tabs are a separate fixed rail) */
.site-header--home-layout .logo-stack {
  position: fixed;
  top: max(8px, env(safe-area-inset-top, 0px));
  left: max(10px, env(safe-area-inset-left, 0px));
  z-index: 230;
  margin: 0;
  padding: 0;
  /* Wide enough for full original logo height (was capped at 220px and looked small) */
  max-width: min(380px, 48vw);
  pointer-events: auto;
}

.site-header--home-layout .logo__img {
  max-height: clamp(112px, 14vw, 184px);
  width: auto;
  max-width: 100%;
}

.site-header--home-layout .site-header__inner {
  padding-top: 36px; /* room for corner phone */
  padding-right: clamp(20px, 4vw, 48px);
  /* Room on the left so search/ticker don’t collide with larger fixed logo */
  padding-left: clamp(240px, 36vw, 480px);
}

.site-header__phone-stack {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  flex-shrink: 0;
  text-align: center;
}

.site-header__phone-stack .site-header__phone {
  justify-content: center;
}

.site-header__app-link {
  display: inline-block;
  max-width: 7.25rem;
  font-size: clamp(0.64rem, 0.78vw, 0.72rem);
  font-weight: 600;
  letter-spacing: 0.01em;
  text-transform: none;
  color: var(--green-light);
  line-height: 1.2;
  white-space: normal;
  text-align: center;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.55);
  text-decoration: underline;
  text-decoration-color: rgba(0, 200, 83, 0.55);
  text-underline-offset: 2px;
}

.site-header__app-link:hover {
  color: var(--green);
  text-decoration-color: currentColor;
}

.site-header__aside .site-header__phone-stack {
  position: relative;
  z-index: 3;
}

.site-header__quote {
  display: none; /* moved: simple tab under story board */
}

.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: 8px;
  flex: 0 0 auto;
  min-width: 0;
  max-width: min(525px, 42.5vw);
  padding-block: 4px;
  overflow: visible;
  position: relative;
  z-index: 5;
}

.logo {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  flex: 0 1 auto;
  min-width: 0;
  width: 100%;
  max-width: 100%;
  line-height: 0;
  overflow: visible;
  position: relative;
  z-index: 1;
  cursor: pointer;
  text-decoration: none;
  color: inherit;
  -webkit-tap-highlight-color: transparent;
}

.logo:focus-visible {
  outline: 2px solid var(--green, #00c853);
  outline-offset: 4px;
  border-radius: 6px;
}

.site-header--home-layout .logo {
  pointer-events: auto;
  position: relative;
  z-index: 1;
}

.logo-stack .lang-switch {
  flex-shrink: 0;
  align-self: flex-start;
  margin: 0;
  transform: none;
}

/* EN/ES + Zoom Link stacked cleanly under the logo (no overlap with logo art/text) */
.logo-stack__toolbar {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  gap: 6px;
  align-self: flex-start;
  flex-shrink: 0;
  width: auto;
  max-width: 100%;
  margin: 0;
  padding: 0;
  transform: none;
  position: relative;
  z-index: 240;
  pointer-events: auto;
}

.logo-stack__toolbar .lang-switch,
.site-header--home-layout .lang-switch,
.site-header--home-layout .lang-switch__btn {
  margin: 0;
  transform: none;
  position: relative;
  z-index: 241;
  pointer-events: auto !important;
}

.logo-stack__zoom-link,
.meet-link,
.header-zoom-link {
  display: inline-block;
  font-size: clamp(0.78rem, 0.95vw, 0.92rem);
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--green-light, #69f0ae);
  line-height: 1.25;
  white-space: nowrap;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.55);
  text-decoration: underline;
  text-decoration-color: rgba(0, 200, 83, 0.55);
  text-underline-offset: 2px;
  margin: 0;
  padding: 0;
  position: relative;
  z-index: 2;
  /* Avoid colliding with logo wordmark / neighboring header items */
  max-width: 100%;
  overflow: hidden;
  text-overflow: ellipsis;
}

.logo-stack__zoom-link:hover,
.meet-link:hover,
.header-zoom-link:hover {
  color: var(--green, #00c853);
  text-decoration-color: currentColor;
}

.logo-stack__zoom-link[hidden],
.meet-link[hidden],
.header-zoom-link[hidden] {
  display: none !important;
}

/* EN/ES stack used on claims-style headers */
.lang-switch-stack {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
}

.lang-switch-stack .lang-switch {
  margin: 0;
}

@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(105px, 10vw, 149px);
  aspect-ratio: 638 / 329;
  object-fit: contain;
  animation: fcib-logo-halo 5s ease-in-out infinite;
  will-change: filter;
}

.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);
}

/* Mascot replaces the green search circle — white disc + green glow */
.site-search__submit--mascot {
  width: 42px;
  height: 42px;
  padding: 3px;
  overflow: visible;
  background: rgba(255, 255, 255, 0.92);
  border: 2px solid rgba(105, 240, 174, 0.75);
  box-shadow:
    0 0 0 2px rgba(0, 200, 83, 0.35),
    0 0 12px 3px rgba(0, 200, 83, 0.55),
    0 0 22px 6px rgba(0, 230, 118, 0.35),
    0 2px 8px rgba(0, 0, 0, 0.16);
  animation:
    site-search-mascot-bob 3.2s ease-in-out infinite,
    site-search-mascot-ring-glow 3.6s ease-in-out infinite;
  will-change: transform, box-shadow;
}

.site-search__mascot {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
  pointer-events: none;
  filter: drop-shadow(0 1px 3px rgba(0, 0, 0, 0.1));
}

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

.site-search__submit--mascot:hover {
  background: rgba(255, 255, 255, 0.98);
  border-color: rgba(105, 240, 174, 0.95);
  box-shadow:
    0 0 0 2px rgba(0, 200, 83, 0.5),
    0 0 16px 4px rgba(0, 200, 83, 0.7),
    0 0 28px 8px rgba(0, 230, 118, 0.45),
    0 4px 12px rgba(0, 0, 0, 0.18);
}

.site-search__submit--mascot:hover .site-search__mascot {
  transform: scale(1.06);
}

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

.site-search__submit--mascot:focus-visible {
  outline: 2px solid var(--green-light);
  outline-offset: 3px;
  border-radius: 999px;
}

@keyframes site-search-mascot-bob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-5px); }
}

@keyframes site-search-mascot-ring-glow {
  0%, 100% {
    box-shadow:
      0 0 0 2px rgba(0, 200, 83, 0.3),
      0 0 10px 2px rgba(0, 200, 83, 0.45),
      0 0 18px 4px rgba(0, 230, 118, 0.28),
      0 2px 8px rgba(0, 0, 0, 0.14);
  }
  50% {
    box-shadow:
      0 0 0 3px rgba(0, 200, 83, 0.5),
      0 0 16px 5px rgba(0, 200, 83, 0.7),
      0 0 28px 8px rgba(0, 230, 118, 0.45),
      0 2px 10px rgba(0, 0, 0, 0.16);
  }
}

@media (prefers-reduced-motion: reduce) {
  .site-search__submit--mascot,
  .site-search__mascot {
    animation: none !important;
  }
}

.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(8px, 1vw, 22px);
}

.main-nav__list > li > a {
  color: var(--white);
  font-weight: 500;
  font-size: clamp(1.11rem, 1.42vw, 1.62rem);
  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(10px, 1vw, 18px);
  flex: 0 0 auto;
  font-size: clamp(1.11rem, 1.42vw, 1.62rem);
  color: rgba(255, 255, 255, 0.85);
  white-space: nowrap;
  overflow: visible;
  position: relative;
  z-index: 6;
}

.site-header__utility .site-header__link {
  display: inline-block;
  line-height: 1.2;
}

/* Desktop: portal links only in the utility bar (not also inside main nav) */
.main-nav__mobile-only {
  display: none !important;
}

.site-header__phone {
  display: inline-flex;
  align-items: center;
  gap: clamp(8px, 0.8vw, 12px);
  flex: 0 0 auto;
  font-size: clamp(1.22rem, 1.49vw, 1.76rem);
  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;
}

:root {
  --fcib-phone-glow:
    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);
  --fcib-phone-glow-hover:
    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);
}

.site-header__phone-number,
.main-nav__priority-btn--call .site-header__phone-number,
.mobile-cta-bar__phone,
.claims-header__phone,
.claims-header__phone-mobile,
.affiliate-header__phone,
.client-portal-header__phone,
.medicare-header__phone,
.medicare-header__phone-mobile,
.privacy-header__phone,
.privacy-header__phone-mobile,
.insights-page-header__phone,
.insights-page-header__phone .site-header__phone-number,
.fcib-app__header-phone,
.fcib-app__header-btn--phone .fcib-app__header-phone {
  color: #000;
  text-shadow: var(--fcib-phone-glow);
  transition: text-shadow var(--transition), color var(--transition);
}

.claims-page .claims-header--banner .claims-header__phone,
.claims-page .claims-header--banner .claims-header__phone-mobile,
.claims-page .claims-header--banner.is-scrolled .claims-header__phone,
.claims-page .claims-header--banner.is-scrolled .claims-header__phone-mobile,
.contact-page .claims-header--banner .claims-header__phone,
.contact-page .claims-header--banner .claims-header__phone-mobile,
.contact-page .claims-header--banner.is-scrolled .claims-header__phone,
.contact-page .claims-header--banner.is-scrolled .claims-header__phone-mobile,
.quote-page .claims-header--banner .claims-header__phone,
.quote-page .claims-header--banner .claims-header__phone-mobile,
.quote-page .claims-header--banner.is-scrolled .claims-header__phone,
.quote-page .claims-header--banner.is-scrolled .claims-header__phone-mobile,
.client-portal-page .claims-header--banner .claims-header__phone,
.client-portal-page .claims-header--banner .claims-header__phone-mobile,
.client-portal-page .claims-header--banner.is-scrolled .claims-header__phone,
.client-portal-page .claims-header--banner.is-scrolled .claims-header__phone-mobile,
.state-carriers-page .claims-header--banner .claims-header__phone,
.state-carriers-page .claims-header--banner .claims-header__phone-mobile,
.state-carriers-page .claims-header--banner.is-scrolled .claims-header__phone,
.state-carriers-page .claims-header--banner.is-scrolled .claims-header__phone-mobile,
.client-portal-header--banner .client-portal-header__phone,
.client-portal-header--banner.is-scrolled .client-portal-header__phone {
  color: #000;
  text-shadow: var(--fcib-phone-glow);
}

.site-header__phone:hover .site-header__phone-number,
.main-nav__priority-btn--call:hover .site-header__phone-number,
.mobile-cta-bar__call:hover .mobile-cta-bar__phone,
.claims-header__phone:hover,
.claims-header__phone-mobile:hover,
.affiliate-header__phone:hover,
.client-portal-header__phone:hover,
.medicare-header__phone:hover,
.medicare-header__phone-mobile:hover,
.privacy-header__phone:hover,
.privacy-header__phone-mobile:hover,
.insights-page-header__phone:hover,
.insights-page-header__phone:hover .site-header__phone-number,
.fcib-app__header-btn--phone:hover .fcib-app__header-phone,
.claims-page .claims-header--banner .claims-header__phone:hover,
.claims-page .claims-header--banner .claims-header__phone-mobile:hover,
.claims-page .claims-header--banner.is-scrolled .claims-header__phone:hover,
.claims-page .claims-header--banner.is-scrolled .claims-header__phone-mobile:hover,
.contact-page .claims-header--banner .claims-header__phone:hover,
.contact-page .claims-header--banner .claims-header__phone-mobile:hover,
.contact-page .claims-header--banner.is-scrolled .claims-header__phone:hover,
.contact-page .claims-header--banner.is-scrolled .claims-header__phone-mobile:hover,
.quote-page .claims-header--banner .claims-header__phone:hover,
.quote-page .claims-header--banner .claims-header__phone-mobile:hover,
.quote-page .claims-header--banner.is-scrolled .claims-header__phone:hover,
.quote-page .claims-header--banner.is-scrolled .claims-header__phone-mobile:hover,
.client-portal-page .claims-header--banner .claims-header__phone:hover,
.client-portal-page .claims-header--banner .claims-header__phone-mobile:hover,
.client-portal-page .claims-header--banner.is-scrolled .claims-header__phone:hover,
.client-portal-page .claims-header--banner.is-scrolled .claims-header__phone-mobile:hover,
.state-carriers-page .claims-header--banner .claims-header__phone:hover,
.state-carriers-page .claims-header--banner .claims-header__phone-mobile:hover,
.state-carriers-page .claims-header--banner.is-scrolled .claims-header__phone:hover,
.state-carriers-page .claims-header--banner.is-scrolled .claims-header__phone-mobile:hover,
.client-portal-header--banner .client-portal-header__phone:hover,
.client-portal-header--banner.is-scrolled .client-portal-header__phone:hover {
  color: #000;
  text-shadow: var(--fcib-phone-glow-hover);
}

@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;
}

.has-products-mega {
  z-index: 120;
}

.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:not(.products-mega),
.has-dropdown:focus-within .dropdown:not(.products-mega) {
  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 / Products tabs */
.services {
  padding: 64px 0 80px;
  background:
    radial-gradient(ellipse 80% 50% at 50% 0%, rgba(0, 200, 83, 0.08) 0%, transparent 55%),
    linear-gradient(180deg, var(--off-white) 0%, var(--white) 100%);
  overflow: hidden;
}

.services__wrap {
  max-width: 100%;
  position: relative;
}

.services__header {
  text-align: center;
  margin-bottom: 28px;
}

.services__lead {
  margin: 12px auto 0;
  max-width: 40rem;
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--gray-600);
}

.products-nav-chevron {
  display: inline-block;
  margin-left: 4px;
  vertical-align: middle;
  opacity: 0.85;
  transition: transform var(--transition);
}

.has-products-mega:hover .products-nav-chevron,
.has-products-mega.is-products-open .products-nav-chevron {
  transform: rotate(180deg);
}

.products-mega.dropdown {
  left: 50%;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateX(-50%) translateY(12px);
  min-width: min(420px, 92vw);
  padding: 0;
  border-radius: 16px;
  border: 1px solid rgba(0, 200, 83, 0.14);
  overflow: hidden;
  background: linear-gradient(
    155deg,
    rgba(12, 26, 18, 0.25) 0%,
    rgba(10, 18, 32, 0.25) 48%,
    rgba(10, 10, 10, 0.25) 100%
  );
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.18);
  transition: opacity var(--transition), visibility var(--transition), transform var(--transition);
}

.products-mega.dropdown::before {
  content: '';
  position: absolute;
  top: -14px;
  left: 0;
  right: 0;
  height: 14px;
}

.has-products-mega:hover .products-mega.dropdown,
.has-products-mega.is-products-open .products-mega.dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.products-tabs {
  position: relative;
}

.products-tabs--mega {
  padding: 14px 14px 12px;
}

.products-tabs--section {
  padding: 0;
  background: transparent;
  border: none;
  border-radius: 0;
  box-shadow: none;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
}

/* Section: collapsible View All Products dropdown */
.products-tabs--dropdown {
  perspective: 1400px;
}

.products-tabs__dropdown-trigger {
  width: 100%;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  border: 1px solid rgba(0, 200, 83, 0.22);
  border-radius: 20px;
  background:
    linear-gradient(135deg, rgba(15, 46, 28, 0.97) 0%, rgba(10, 18, 32, 0.98) 55%, rgba(0, 0, 0, 0.96) 100%);
  color: var(--white);
  cursor: pointer;
  text-align: left;
  font-family: inherit;
  box-shadow:
    0 18px 40px rgba(10, 18, 32, 0.22),
    0 0 0 1px rgba(255, 255, 255, 0.04) inset,
    0 1px 0 rgba(105, 240, 174, 0.18) inset;
  transform: translateZ(0);
  transition: transform 0.35s cubic-bezier(0.22, 1, 0.36, 1), box-shadow 0.35s ease, border-color 0.25s ease;
}

.products-tabs__dropdown-trigger:hover,
.products-tabs__dropdown-trigger:focus-visible {
  transform: translateY(-2px) scale(1.01);
  border-color: rgba(105, 240, 174, 0.45);
  box-shadow:
    0 22px 48px rgba(0, 120, 55, 0.28),
    0 0 0 1px rgba(105, 240, 174, 0.12) inset,
    0 0 28px rgba(0, 200, 83, 0.18);
  outline: none;
}

.products-tabs--dropdown.is-open .products-tabs__dropdown-trigger {
  border-radius: 20px 20px 12px 12px;
  border-bottom-color: rgba(0, 200, 83, 0.35);
}

.products-tabs__dropdown-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 16px;
  color: var(--green-light);
  background:
    linear-gradient(145deg, rgba(0, 200, 83, 0.28) 0%, rgba(0, 200, 83, 0.08) 100%);
  box-shadow:
    0 8px 18px rgba(0, 0, 0, 0.25),
    0 0 0 1px rgba(105, 240, 174, 0.2) inset;
  transform: rotateX(8deg) rotateY(-8deg);
  transition: transform 0.4s cubic-bezier(0.22, 1, 0.36, 1);
}

.products-tabs__dropdown-icon svg {
  width: 28px;
  height: 28px;
}

.products-tabs--dropdown.is-open .products-tabs__dropdown-icon {
  transform: rotateX(0) rotateY(0) scale(1.05);
  color: var(--green);
  background: linear-gradient(145deg, rgba(105, 240, 174, 0.35) 0%, rgba(0, 200, 83, 0.15) 100%);
}

.products-tabs__dropdown-copy {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}

.products-tabs__dropdown-eyebrow {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green-light);
}

.products-tabs__dropdown-title {
  font-family: var(--font-serif);
  font-size: clamp(1.15rem, 2.4vw, 1.45rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--white);
}

.products-tabs__dropdown-hint {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.72);
}

.products-tabs__dropdown-chevron {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  color: var(--green-light);
  transition: transform 0.35s cubic-bezier(0.22, 1, 0.36, 1), background 0.25s ease;
}

.products-tabs--dropdown.is-open .products-tabs__dropdown-chevron {
  transform: rotate(180deg);
  background: rgba(0, 200, 83, 0.22);
  color: var(--white);
}

.products-tabs__dropdown-body {
  margin-top: 0;
  padding: 18px 16px 20px;
  border: 1px solid rgba(0, 200, 83, 0.14);
  border-top: none;
  border-radius: 0 0 20px 20px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(247, 248, 250, 0.98) 100%);
  box-shadow:
    0 24px 48px rgba(10, 18, 32, 0.12),
    0 0 0 1px rgba(255, 255, 255, 0.6) inset;
  transform-origin: top center;
  animation: products-dropdown-open 0.45s cubic-bezier(0.22, 1, 0.36, 1);
}

.products-tabs__dropdown-body[hidden] {
  display: none !important;
}

@keyframes products-dropdown-open {
  from {
    opacity: 0;
    transform: rotateX(-12deg) translateY(-8px);
  }
  to {
    opacity: 1;
    transform: rotateX(0) translateY(0);
  }
}

.products-tabs__bar {
  position: relative;
  display: flex;
  gap: 6px;
  overflow-x: auto;
  scrollbar-width: none;
  padding: 6px;
  margin-bottom: 12px;
  border-radius: 999px;
  background: transparent;
  border: none;
}

.products-tabs--mega .products-tabs__bar {
  background: transparent;
  border: none;
}

.products-tabs__bar::-webkit-scrollbar {
  display: none;
}

.products-tabs__tab {
  flex: 0 0 auto;
  border: none;
  border-radius: 999px;
  padding: 8px 14px;
  font-family: inherit;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.82);
  background: rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: color var(--transition), background var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
}

.products-tabs--section .products-tabs__tab {
  color: var(--navy);
  background: rgba(10, 18, 32, 0.08);
  border: 1px solid rgba(10, 18, 32, 0.08);
}

.products-tabs__tab:hover,
.products-tabs__tab:focus-visible {
  color: var(--white);
  background: rgba(0, 0, 0, 0.78);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.4);
  transform: translateY(-1px);
}

.products-tabs--section .products-tabs__tab:hover,
.products-tabs--section .products-tabs__tab:focus-visible {
  color: var(--white);
  background: rgba(10, 18, 32, 0.98);
  box-shadow: 0 4px 14px rgba(10, 18, 32, 0.28);
}

.products-tabs__tab.is-active {
  color: var(--white);
  background: linear-gradient(135deg, rgba(0, 150, 65, 0.96) 0%, rgba(0, 108, 46, 0.98) 100%);
  box-shadow: 0 6px 18px rgba(0, 120, 55, 0.42);
}

.products-tabs--section .products-tabs__tab.is-active {
  color: var(--white);
}

.products-tabs__indicator {
  position: absolute;
  left: 0;
  bottom: 0;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--green-light), var(--green));
  transition: transform 0.28s cubic-bezier(0.4, 0, 0.2, 1), width 0.28s cubic-bezier(0.4, 0, 0.2, 1);
  pointer-events: none;
  opacity: 0;
}

.products-tabs__indicator {
  opacity: 1;
}

.products-tabs__panels {
  position: relative;
  min-height: 0;
  background: rgba(255, 255, 255, 0.25);
  border-radius: 14px;
}

.products-tabs__panel {
  display: none;
  animation: products-panel-in 0.32s ease;
}

.products-tabs__panel.is-active {
  display: block;
}

@keyframes products-panel-in {
  from {
    opacity: 0;
    transform: translateY(6px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.products-tabs__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}

.products-tabs--section .products-tabs__grid {
  grid-template-columns: repeat(auto-fill, minmax(168px, 1fr));
  gap: 14px;
  perspective: 1000px;
  transform-style: preserve-3d;
}

.products-tabs__grid--3d {
  padding: 4px 2px 10px;
}

.products-chip {
  --chip-tilt-x: 0deg;
  --chip-tilt-y: 0deg;
  --chip-shine-x: 50%;
  --chip-shine-y: 50%;
  --chip-delay: 0ms;
  --chip-float: 3s;
  position: relative;
  display: block;
  padding: 0;
  border-radius: 12px;
  background: transparent;
  border: none;
  color: inherit;
  text-decoration: none;
  transform-style: preserve-3d;
  transition: transform 0.25s ease;
}

.products-chip__face {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: inherit;
  background: rgba(255, 255, 255, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.18);
  overflow: hidden;
  transition: transform var(--transition), background var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.products-chip__glow {
  position: absolute;
  inset: -20%;
  border-radius: inherit;
  background: radial-gradient(
    circle at var(--chip-shine-x) var(--chip-shine-y),
    color-mix(in srgb, var(--chip-accent, var(--green)) 45%, transparent) 0%,
    transparent 58%
  );
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
  z-index: 0;
  filter: blur(8px);
}

.products-tabs--section .products-chip {
  border-radius: 16px;
  opacity: 0;
  transform: translateY(22px) scale(0.9);
}

.products-tabs--section .products-chip.is-entered {
  opacity: 1;
  transform: translateY(0) scale(1);
  transition:
    opacity 0.42s cubic-bezier(0.22, 1, 0.36, 1) var(--chip-delay),
    transform 0.42s cubic-bezier(0.22, 1, 0.36, 1) var(--chip-delay);
}

.products-tabs--section .products-chip.is-entered .products-chip__face {
  animation: products-chip-float var(--chip-float) ease-in-out infinite;
  animation-delay: calc(var(--chip-delay) + 0.42s);
}

.products-tabs--section .products-chip__face {
  padding: 16px 14px;
  border-radius: 16px;
  background:
    linear-gradient(155deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.9) 100%);
  border: 1px solid color-mix(in srgb, var(--chip-accent, var(--green)) 22%, rgba(10, 18, 32, 0.08));
  box-shadow:
    0 10px 22px rgba(10, 18, 32, 0.08),
    0 2px 0 rgba(255, 255, 255, 0.85) inset,
    0 -8px 18px color-mix(in srgb, var(--chip-accent, var(--green)) 10%, transparent);
  transform:
    perspective(700px)
    rotateX(var(--chip-tilt-x))
    rotateY(var(--chip-tilt-y))
    translateZ(0);
  transition:
    transform 0.18s ease-out,
    box-shadow 0.25s ease,
    border-color 0.25s ease,
    background 0.25s ease;
}

.products-tabs--section .products-chip__face::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(
    125deg,
    transparent 30%,
    color-mix(in srgb, var(--chip-accent, var(--green)) 18%, transparent) 48%,
    transparent 62%
  );
  background-size: 220% 220%;
  background-position: var(--chip-shine-x) var(--chip-shine-y);
  opacity: 0.55;
  pointer-events: none;
  mix-blend-mode: soft-light;
}

.products-chip:hover {
  z-index: 2;
}

.products-tabs--mega .products-chip__face {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.12);
}

.products-tabs--mega .products-chip:hover .products-chip__face {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(105, 240, 174, 0.28);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
  transform: translateY(-2px) scale(1.02);
}

.products-tabs--section .products-chip:hover {
  transform: translateY(-8px) scale(1.04);
}

.products-tabs--section .products-chip:hover .products-chip__face {
  animation: none;
  border-color: color-mix(in srgb, var(--chip-accent, var(--green)) 55%, transparent);
  box-shadow:
    0 20px 36px rgba(10, 18, 32, 0.16),
    0 0 0 1px color-mix(in srgb, var(--chip-accent, var(--green)) 30%, transparent),
    0 12px 28px color-mix(in srgb, var(--chip-accent, var(--green)) 22%, transparent);
  transform:
    perspective(700px)
    rotateX(var(--chip-tilt-x))
    rotateY(var(--chip-tilt-y))
    translateZ(10px)
    scale(1.02);
}

.products-tabs--section .products-chip:hover .products-chip__glow {
  opacity: 0.85;
}

.products-chip__icon {
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  color: var(--chip-accent-dark, var(--green-hover));
  background: color-mix(in srgb, var(--chip-accent-dark, var(--green-hover)) 31%, transparent);
  transition: color var(--transition), background var(--transition), transform var(--transition), box-shadow var(--transition);
}

.products-chip__icon svg {
  width: 22px;
  height: 22px;
}

.products-tabs--section .products-chip__icon {
  width: 42px;
  height: 42px;
  border-radius: 13px;
  box-shadow:
    0 6px 14px color-mix(in srgb, var(--chip-accent, var(--green)) 28%, transparent),
    0 1px 0 rgba(255, 255, 255, 0.5) inset;
  transform: translateZ(18px);
}

.products-chip:hover .products-chip__icon {
  background: color-mix(in srgb, var(--chip-accent-dark, var(--green-hover)) 42%, transparent);
  color: var(--chip-accent-dark, var(--green-hover));
  transform: scale(1.08) translateZ(24px);
}

.products-chip__label {
  flex: 1 1 auto;
  font-size: 0.88rem;
  font-weight: 700;
  line-height: 1.2;
  text-align: left;
  color: var(--navy);
  transform: translateZ(12px);
}

.products-tabs--mega .products-chip__label {
  color: var(--white);
}

.products-chip--section .products-chip__label {
  font-size: 0.95rem;
}

.products-chip__arrow {
  flex-shrink: 0;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--chip-accent-dark, var(--green-hover));
  opacity: 0;
  transform: translateX(-4px) translateZ(16px);
  transition: opacity var(--transition), transform var(--transition);
}

.products-tabs--mega .products-chip:hover .products-chip__label {
  color: var(--green-light);
}

.products-tabs--section .products-chip:hover .products-chip__label {
  color: var(--green-hover);
}

.products-tabs--section .products-chip:hover .products-chip__arrow {
  color: var(--green-hover);
}

.products-chip:hover .products-chip__arrow {
  opacity: 1;
  transform: translateX(0) translateZ(16px);
}

@keyframes products-chip-float {
  0%, 100% {
    transform:
      perspective(700px)
      rotateX(var(--chip-tilt-x, 0deg))
      rotateY(var(--chip-tilt-y, 0deg))
      translateY(0);
  }
  50% {
    transform:
      perspective(700px)
      rotateX(calc(var(--chip-tilt-x, 0deg) + 2deg))
      rotateY(var(--chip-tilt-y, 0deg))
      translateY(-4px);
  }
}

.products-tabs__cta {
  display: inline-flex;
  margin-top: 12px;
  width: 100%;
  justify-content: center;
}

.products-tabs--section .products-tabs__cta {
  margin-top: 18px;
  width: auto;
  min-width: 220px;
  margin-inline: auto;
  box-shadow: 0 10px 24px rgba(0, 150, 65, 0.28);
}

@media (prefers-reduced-motion: reduce) {
  .products-tabs__dropdown-body,
  .products-tabs--section .products-chip,
  .products-tabs--section .products-chip.is-entered {
    animation: none !important;
    transition: none !important;
    opacity: 1;
    transform: none;
  }

  .products-tabs--section .products-chip__face {
    transform: none !important;
  }
}

@media (max-width: 640px) {
  .products-tabs__dropdown-trigger {
    grid-template-columns: auto 1fr auto;
    gap: 12px;
    padding: 14px 14px;
  }

  .products-tabs__dropdown-icon {
    width: 44px;
    height: 44px;
    border-radius: 14px;
  }

  .products-tabs__dropdown-hint {
    font-size: 0.82rem;
  }

  .products-tabs--section .products-tabs__grid {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
}

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



/* 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__nav a.insights-page-header__phone {
  color: #000;
  text-shadow: var(--fcib-phone-glow);
}

.insights-page-header__nav a.insights-page-header__phone:hover {
  color: #000;
  text-shadow: var(--fcib-phone-glow-hover);
}

.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: max(24px, calc(var(--mobile-cta-height, 0px) + 16px + env(safe-area-inset-bottom, 0px)));
  right: max(24px, env(safe-area-inset-right, 0px));
  left: auto;
  z-index: 250;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  pointer-events: none;
}

.page-nav-dock > * {
  pointer-events: auto;
}

.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;
  visibility: visible;
  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[hidden] {
  display: none !important;
}

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

.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);
}

/* Public agency calendar embed removed — appointment requests email Contact@ */
.agent-callback-gcal {
  display: none !important;
}
.agent-callback-gcal--legacy {
  margin: 14px 0 6px;
  border: 1px solid rgba(27, 58, 92, 0.12);
  border-radius: 12px;
  overflow: hidden;
  background: #f8fafc;
}

.agent-callback-gcal__label {
  margin: 0;
  padding: 10px 12px 6px;
  font-size: 0.8rem;
  font-weight: 600;
  color: #374151;
}

.agent-callback-gcal__frame {
  display: block;
  width: 100%;
  height: min(280px, 40vh);
  border: 0;
  background: #fff;
}

.agent-callback-zoom-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 16px 0;
}

.agent-callback-zoom-actions .btn-zoom {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  padding: 12px 16px;
  border-radius: 8px;
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.95rem;
  box-sizing: border-box;
}

.btn-zoom--calendar {
  background: #1a73e8;
  color: #fff !important;
}

.btn-zoom--phone {
  background: #12a150;
  color: #fff !important;
}

.btn-zoom--ics {
  background: #f3f4f6;
  color: #111827 !important;
  border: 1px solid #d1d5db !important;
}

.btn-zoom--outline {
  background: #fff;
  color: #1a73e8 !important;
  border: 1px solid #1a73e8 !important;
}

.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);
  /* Top padding reduced — reviews sit at top of footer */
  padding: 0 0 0;
  border: 3px solid var(--black-dark);
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

.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%;
  color: inherit;
  transition: all var(--transition);
}

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

/* Facebook brand blue tab */
.footer__social a.footer__social-link--facebook,
.footer__social a[aria-label*="Facebook"] {
  background: #1877f2;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow: 0 4px 12px rgba(24, 119, 242, 0.35);
}

.footer__social a.footer__social-link--facebook:hover,
.footer__social a.footer__social-link--facebook:focus-visible,
.footer__social a[aria-label*="Facebook"]:hover,
.footer__social a[aria-label*="Facebook"]:focus-visible {
  background: #166fe5;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.35);
  outline: none;
}

/* Chamber of Commerce member badge */
.footer__badges {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
}

.footer__coc-badge {
  display: inline-block;
  line-height: 0;
  text-decoration: none;
  border-radius: 8px;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.footer__coc-badge:hover,
.footer__coc-badge:focus-visible {
  opacity: 0.92;
  transform: translateY(-2px);
  outline: none;
}

.footer__coc-badge-img,
#COCBadgeIMG {
  display: block;
  width: auto;
  height: 150px;
  max-width: 100%;
  object-fit: contain;
}

.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 — slow ease into view */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  filter: blur(4px);
  transition:
    opacity 0.7s cubic-bezier(0.33, 1, 0.68, 1),
    transform 0.7s cubic-bezier(0.33, 1, 0.68, 1),
    filter 0.8s cubic-bezier(0.33, 1, 0.68, 1);
}

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

  .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) + 24px) 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;
  }

  .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:not(.products-mega) {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: transparent;
    box-shadow: none;
    padding: 0 0 8px 16px;
    min-width: 0;
  }

  .dropdown:not(.products-mega) a {
    color: rgba(255, 255, 255, 0.7);
    padding: 12px 0;
    font-size: 1.1rem;
  }

  .products-mega.dropdown {
    position: static;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: none;
    left: auto;
    min-width: 0;
    max-height: 0;
    margin: 0;
    overflow: hidden;
    border-radius: 14px;
    transition: opacity var(--transition), visibility var(--transition), max-height var(--transition), margin var(--transition);
  }

  .has-products-mega.is-products-open .products-mega.dropdown {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    max-height: 1200px;
    margin: 4px 0 12px;
  }

  .has-products-mega > a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
  }

  .products-tabs--mega .products-tabs__grid {
    grid-template-columns: 1fr;
  }

  .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: 6px;
    padding-block: 2px;
    flex: 1 1 auto;
    min-width: 0;
    max-width: min(220px, 58vw);
  }

  .logo-stack .lang-switch {
    margin: 0;
    transform: none;
  }

  .logo-stack__toolbar {
    margin: 0;
    transform: none;
    align-items: flex-start;
  }

  .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 !important;
  }

  /* Utility bar is hidden — surface portal links inside the mobile nav drawer */
  .main-nav__list > li.main-nav__mobile-only {
    display: list-item !important;
  }

  .main-nav__list > li.main-nav__mobile-only > a {
    display: block;
    padding: 18px 0;
    font-size: 1.2rem;
    font-weight: 600;
  }

  .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;
  }

  .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 {
    gap: 5px;
    max-width: min(180px, 55vw);
  }

  .logo-stack .lang-switch {
    margin: 0;
    transform: none;
  }

  .logo-stack__toolbar {
    margin: 0;
    transform: none;
    gap: 4px;
  }

  .logo-stack__zoom-link,
  .header-zoom-link,
  .meet-link {
    font-size: 0.7rem;
    line-height: 1.2;
  }

  .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;
  }

  .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)
   ============================================ */

/* ============================================
   O Positive–style page-to-page wipe
   Dual diagonal panels (green lead + dark follow)
   driven by scroll chapter handoffs in script.js
   ============================================ */
#fcib-page-overlay {
  position: fixed;
  z-index: 70;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  height: 100dvh;
  /* Never used as a black veil — forced transparent */
  background-color: transparent;
  opacity: 0 !important;
  pointer-events: none;
  visibility: hidden;
}

#fcib-page-to-page {
  z-index: 80;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  pointer-events: none;
  overflow: hidden;
  mix-blend-mode: screen; /* keeps flash bright over photos — no blacking out */
}

#fcib-page-to-page .fcib-ptp-green,
#fcib-page-to-page .fcib-ptp-dark {
  position: absolute;
  top: 0;
  left: -25%;
  width: 160%;
  height: 130%;
  z-index: 1;
  transform-origin: bottom left;
  /* Resting: off-screen above, hard diagonal */
  transform: translate3d(0, -130%, 0) rotate(var(--ptp-rot, -48deg));
  will-change: transform, opacity;
  opacity: 0;
  backface-visibility: hidden;
  pointer-events: none;
}

#fcib-page-to-page .fcib-ptp-green {
  /* Solid brand green lead flash */
  background: linear-gradient(
    135deg,
    rgba(0, 200, 83, 0.95) 0%,
    rgba(105, 240, 174, 0.85) 55%,
    rgba(0, 200, 83, 0.7) 100%
  );
  z-index: 2;
}

#fcib-page-to-page .fcib-ptp-dark {
  /* Second band is ALSO green (lighter) — never charcoal/black */
  background: linear-gradient(
    135deg,
    rgba(105, 240, 174, 0.75) 0%,
    rgba(0, 200, 83, 0.55) 60%,
    rgba(0, 168, 68, 0.4) 100%
  );
  z-index: 1;
}

/* Active wipe: panels track CSS custom props set by JS */
#fcib-page-to-page.is-active .fcib-ptp-green {
  opacity: var(--ptp-opacity, 0.45);
  transform: translate3d(0, var(--ptp-green-y, -130%), 0) rotate(var(--ptp-rot, -48deg));
}

#fcib-page-to-page.is-active .fcib-ptp-dark {
  opacity: var(--ptp-dark-opacity, 0.28);
  transform: translate3d(0, var(--ptp-dark-y, -130%), 0) rotate(var(--ptp-rot, -48deg));
}

@media (prefers-reduced-motion: reduce) {
  #fcib-page-to-page,
  #fcib-page-overlay {
    display: none !important;
  }
}

/* Life Journey Chapters */
.journey {
  position: relative;
  z-index: 1;
  /*
   * Soft brand-tinted floor (NOT pure black, NOT white).
   * Real photos always sit above via sticky layers + story-photo-hold.
   */
  background: #142018;
}

/* ============================================
   OUR STORY — O Positive Directors pattern
   Full-bleed bg stack + large right-side name list.
   Hover a name → seamless image swap (no scroll story).
   ============================================ */
.journey--storyboard,
.journey--opos {
  height: 100vh;
  height: 100dvh;
  min-height: 100vh;
  min-height: 100dvh;
  max-height: none;
  overflow: visible;
  position: relative;
  /* Do NOT isolate — fixed .story-listing must compete with header z-index */
  isolation: auto;
  background: #0a0a0a;
  color: #fff;
  /* Leave room for fixed header so stage content is not covered */
  margin-top: 0;
  z-index: 1;
}

/* Keep bg stack in its own layer without trapping the fixed rail */
.journey--storyboard .story-bg-images,
.journey--opos .story-bg-images {
  isolation: isolate;
}

/* Fixed header must not swallow clicks/hovers on the right storyboard rail */
.site-header--home-layout {
  pointer-events: none;
}

/* Only real controls capture events — never the full-width bands (they sat over Motorcycle/Home) */
.site-header--home-layout a,
.site-header--home-layout button,
.site-header--home-layout input,
.site-header--home-layout select,
.site-header--home-layout textarea,
.site-header--home-layout form,
.site-header--home-layout .nav-toggle,
.site-header--home-layout .carrier-strip,
.site-header--home-layout .carrier-strip__viewport,
.site-header--home-layout .site-search,
.site-header--home-layout .site-search__field,
.site-header--home-layout .site-search__results,
.site-header--home-layout .site-header__phone--search,
.site-header--home-layout .main-nav,
.site-header--home-layout .logo-stack,
.site-header--home-layout .logo,
.site-header--home-layout .logo-stack__toolbar,
.site-header--home-layout .lang-switch,
.site-header--home-layout .lang-switch__btn,
.site-header--home-layout .site-header__page-tabs,
.site-header--home-layout .site-header__page-tab,
.site-header--home-layout .carrier-strip,
.site-header--home-layout .site-header__ticker {
  pointer-events: auto;
}

/* Full-width layout wrappers stay pass-through so the storyboard receives hover */
.site-header--home-layout .site-header__inner,
.site-header--home-layout .site-header__search,
.site-header--home-layout .site-header__center-band,
.site-header--home-layout .site-header__bar,
.site-header--home-layout .site-header__states {
  pointer-events: none;
}

/* Hide legacy floating sidebar when O Positive layout is active */
body.storyboard-mode .chapter-nav,
.journey--opos ~ .chapter-nav,
#chapter-nav[hidden] {
  display: none !important;
}

/* ---- Full-bleed background stack (O Positive .bg-images) ---- */
.story-bg-images {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  padding: 0;
  z-index: 0;
  overflow: hidden;
  line-height: 0;
}

.story-bg-images__frame {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 0.55s cubic-bezier(0.19, 1, 0.22, 1);
  will-change: opacity;
  z-index: 1;
}

.story-bg-images__frame.is-active {
  opacity: 1;
  z-index: 2;
}

.story-bg-images__frame img,
.story-bg-images__frame .chapter__bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  filter: brightness(var(--fcib-photo-brightness, 1.2));
  transform: scale(1.02);
  transition: transform 1.1s cubic-bezier(0.19, 1, 0.22, 1);
}

.story-bg-images__frame.is-active img {
  transform: scale(1);
}

/* Carriers by State — glowing U.S. map full-bleed */
.story-bg-images__frame--glow img,
.story-bg-images__frame--glow .chapter__bg {
  filter:
    brightness(1.12)
    contrast(1.06)
    saturate(1.18)
    drop-shadow(0 0 28px rgba(0, 200, 83, 0.45))
    drop-shadow(0 0 64px rgba(0, 230, 118, 0.28));
  animation: fcib-us-map-glow 3.6s ease-in-out infinite alternate;
}

.story-bg-images__frame--glow.is-active img {
  transform: scale(1.01);
}

@keyframes fcib-us-map-glow {
  0% {
    filter:
      brightness(1.06)
      contrast(1.04)
      saturate(1.1)
      drop-shadow(0 0 18px rgba(0, 200, 83, 0.32))
      drop-shadow(0 0 42px rgba(0, 230, 118, 0.18));
  }
  100% {
    filter:
      brightness(1.18)
      contrast(1.08)
      saturate(1.28)
      drop-shadow(0 0 36px rgba(0, 230, 118, 0.55))
      drop-shadow(0 0 80px rgba(0, 200, 83, 0.35));
  }
}

@media (prefers-reduced-motion: reduce) {
  .story-bg-images__frame--glow img,
  .story-bg-images__frame--glow .chapter__bg {
    animation: none;
  }
}

.story-bg-shade {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(0, 0, 0, 0.55) 0%, rgba(0, 0, 0, 0.12) 42%, rgba(0, 0, 0, 0.45) 100%),
    linear-gradient(180deg, rgba(0, 0, 0, 0.28) 0%, transparent 28%, transparent 55%, rgba(0, 0, 0, 0.55) 100%);
}

/* ---- Google Reviews: equal clear boxes, centered top of footer ----
   Sharp text (no blur), full wording fills each box. */
.home-reviews {
  display: block;
  position: relative;
  left: auto;
  right: auto;
  bottom: auto;
  top: auto;
  transform: none !important;
  filter: none !important;
  z-index: 5;
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 16px 16px 18px;
  box-sizing: border-box;
  pointer-events: auto;
  background: transparent;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: geometricPrecision;
}

/* Footer placement: center at top of footer */
.home-reviews--footer,
.site-footer .home-reviews {
  display: flex !important;
  justify-content: center;
  align-items: stretch;
  width: 100%;
  margin: 0 auto;
  padding: 22px 20px 18px;
  background: transparent;
  position: relative !important;
  left: auto !important;
  right: auto !important;
  bottom: auto !important;
  top: auto !important;
  max-width: none !important;
  z-index: 2;
  pointer-events: auto !important;
  transform: none !important;
  filter: none !important;
}

.home-reviews__row {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: stretch;
  gap: 14px;
  width: 100%;
  max-width: min(920px, 100%);
  margin: 0 auto;
  pointer-events: auto;
}

.site-footer .home-reviews__row {
  max-width: min(920px, 100%);
  width: 100%;
  justify-content: center;
}

.home-reviews__card {
  pointer-events: auto;
  /* Equal side-by-side rectangles — black background, light text */
  flex: 1 1 0;
  width: 50%;
  min-width: 0;
  min-height: 220px;
  height: auto;
  aspect-ratio: auto;
  padding: 16px 18px 18px;
  border-radius: 0;
  background: #000;
  border: 1.5px solid rgba(105, 240, 174, 0.35);
  box-shadow: 0 3px 12px rgba(0, 0, 0, 0.35);
  color: #fff;
  box-sizing: border-box;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 8px;
  overflow: visible;
  transform: none !important;
  filter: none !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Force all lettering inside review boxes to white */
.home-reviews__card,
.home-reviews__card * {
  color: #fff !important;
}

a.home-reviews__card--quote {
  cursor: pointer;
}

a.home-reviews__card--quote:hover,
a.home-reviews__card--quote:focus-visible {
  border-color: rgba(105, 240, 174, 0.7);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.45);
  outline: 2px solid rgba(105, 240, 174, 0.55);
  outline-offset: 2px;
  transform: none !important;
}

.home-reviews__card--tab {
  gap: 8px;
}

.home-reviews__card--quote {
  gap: 8px;
}

.home-reviews__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin: 0;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  line-height: 1.25;
}

.home-reviews__google-icon {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
}

/* Five gold stars — keep gold so ratings stay readable on black */
.home-reviews__stars {
  display: inline-flex;
  align-items: center;
  gap: 2px;
  margin: 0;
  color: #ffca28 !important;
  font-size: 1.25rem;
  letter-spacing: 0;
  line-height: 1;
  white-space: nowrap;
  overflow: visible;
  text-shadow: none;
}

.home-reviews__star {
  display: inline-block;
  flex-shrink: 0;
  color: #ffca28 !important;
  font-size: inherit;
  line-height: 1;
}

.home-reviews__stars--sm {
  margin: 0;
  font-size: 1.2rem;
}

.home-reviews__title {
  margin: 0;
  font-family: var(--font-serif), Georgia, serif;
  font-size: clamp(1.15rem, 2vw, 1.4rem);
  font-weight: 700;
  line-height: 1.25;
  color: #fff;
  text-shadow: none;
}

.home-reviews__lead {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.45;
  color: #fff;
  text-shadow: none;
  flex: 1 1 auto;
  display: block;
  overflow: visible;
  -webkit-line-clamp: unset;
}

.home-reviews__cta {
  display: inline-flex;
  width: 100%;
  justify-content: center;
  align-items: center;
  text-align: center;
  margin: 4px 0 0;
  min-height: 40px;
  padding: 10px 12px;
  font-size: 0.9rem;
  font-weight: 800;
  border-radius: 0;
  color: #fff !important;
}

.home-reviews__write {
  display: block;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 3px;
  margin-top: 2px;
  line-height: 1.35;
}

.home-reviews__write:hover,
.home-reviews__write:focus-visible {
  color: #fff;
  outline: none;
}

.home-reviews__quote-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  flex-wrap: wrap;
}

.home-reviews__when {
  margin: 0;
  font-size: 0.85rem;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
  flex-shrink: 0;
}

.home-reviews__quote-text {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.5;
  color: #fff;
  text-shadow: none;
  flex: 1 1 auto;
  display: block;
  overflow: visible;
  -webkit-line-clamp: unset;
}

.home-reviews__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 0;
}

.home-reviews__tag {
  margin: 0;
  padding: 4px 8px;
  border-radius: 0;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.home-reviews__tag dt {
  margin: 0;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #fff;
}

.home-reviews__tag dd {
  margin: 2px 0 0;
  font-size: 0.85rem;
  font-weight: 700;
  color: #fff;
}

.home-reviews__maps-link {
  margin-top: auto;
  align-self: flex-start;
  font-size: 0.9rem;
  font-weight: 700;
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 3px;
  line-height: 1.35;
}

a.home-reviews__card--quote:hover .home-reviews__maps-link,
a.home-reviews__card--quote:focus-visible .home-reviews__maps-link {
  color: #fff;
}

/* Footer reviews stay in document flow (not fixed over storyboard) */
@media (min-width: 901px) {
  body.storyboard-mode .site-footer .home-reviews,
  body.storyboard-mode .home-reviews--footer {
    display: flex !important;
    position: relative !important;
    left: auto !important;
    right: auto !important;
    bottom: auto !important;
    top: auto !important;
    width: 100% !important;
    max-width: none !important;
    margin: 0 auto !important;
    padding: 18px 16px 14px !important;
    background: transparent !important;
    z-index: 2 !important;
    pointer-events: auto !important;
    justify-content: center;
  }

  body.storyboard-mode .site-footer .home-reviews__row,
  body.storyboard-mode .home-reviews--footer .home-reviews__row {
    pointer-events: auto;
    max-width: min(920px, 100%);
    margin: 0 auto;
    gap: 14px;
    flex-direction: row;
    flex-wrap: nowrap;
    align-items: stretch;
  }

  body.storyboard-mode .site-footer .home-reviews__card,
  body.storyboard-mode .home-reviews--footer .home-reviews__card {
    pointer-events: auto;
    background: #000;
    border-color: rgba(105, 240, 174, 0.35);
    color: #fff;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    filter: none !important;
    transform: none !important;
    border-radius: 0;
    flex: 1 1 0;
    width: 50%;
    min-width: 0;
    min-height: 220px;
    aspect-ratio: auto;
    overflow: visible;
  }

  body.storyboard-mode .site-footer .home-reviews__card,
  body.storyboard-mode .site-footer .home-reviews__card *,
  body.storyboard-mode .home-reviews--footer .home-reviews__card,
  body.storyboard-mode .home-reviews--footer .home-reviews__card * {
    color: #fff !important;
  }

  body.storyboard-mode .site-footer .home-reviews__stars,
  body.storyboard-mode .site-footer .home-reviews__star,
  body.storyboard-mode .home-reviews--footer .home-reviews__stars,
  body.storyboard-mode .home-reviews--footer .home-reviews__star {
    color: #ffca28 !important;
  }
}

@media (max-width: 900px) {
  .home-reviews,
  .home-reviews--footer,
  .site-footer .home-reviews {
    display: flex !important;
    position: relative !important;
    width: 100% !important;
    max-width: none !important;
    left: auto !important;
    bottom: auto !important;
    padding: 14px 10px 12px;
    background: transparent;
    border-top: none;
    justify-content: center;
  }

  .home-reviews__row,
  .site-footer .home-reviews__row {
    flex-direction: column;
    flex-wrap: nowrap;
    gap: 12px;
    max-width: min(520px, 100%);
  }

  .home-reviews__card {
    flex: 1 1 auto;
    width: 100%;
    min-height: 0;
    aspect-ratio: auto;
  }

  .home-reviews__cta,
  .home-reviews__write {
    min-height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 0;
  }
}

/* Never hide reviews when storyboard hides other main sections */
body.storyboard-mode main > .home-reviews,
body.storyboard-mode #home-google-reviews {
  display: block !important;
}

/* ---- Stage content ---- */
.story-stage {
  position: relative;
  z-index: 3;
  height: 100%;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr;
  grid-template-rows: 1fr;
  padding:
    calc(var(--fcib-header-offset, var(--header-height, 200px)) + 16px)
    clamp(16px, 3vw, 40px)
    clamp(20px, 4vh, 48px)
    clamp(16px, 3vw, 40px);
  box-sizing: border-box;
  pointer-events: none;
}

.story-stage a,
.story-stage button,
.story-stage .story-listing,
.story-stage #story-listing,
.story-stage .story-detail {
  pointer-events: auto;
}

/* Bottom-left “Our Story / Hover a tab” brand removed — board title lives on the right rail */

/*
 * Right-side storyboard — Our Story product tabs only (About→Portal moved under Insuring line).
 * Desktop: tabs ~3× larger for readability.
 */
.story-listing {
  --story-row-count: 10;
  /* ~30% smaller than prior 44–80px range */
  --thumb-h: clamp(32px, 3.9vh, 56px);
  position: fixed !important;
  right: 0;
  /* Start just under the corner phone so Quote sits below the number */
  top: max(48px, env(safe-area-inset-top, 0px) + 42px);
  bottom: max(10px, env(safe-area-inset-bottom, 0px));
  transform: none;
  z-index: 220 !important;
  width: min(320px, 38vw);
  max-height: none;
  height: auto;
  margin: 0;
  padding: 6px 10px 8px 14px;
  display: flex !important;
  flex-direction: column;
  gap: 0;
  visibility: visible !important;
  opacity: 1 !important;
  pointer-events: auto !important;
  /* No black/dark panel — tabs float on the story photo */
  background: transparent !important;
  border: none !important;
  border-radius: 0;
  box-shadow: none !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  color: #fff;
  box-sizing: border-box;
  overflow: hidden;
}

/* Desktop: all product tabs fit on first view; thumbs ~30% smaller */
@media (min-width: 901px) {
  .story-listing {
    /*
     * Size thumbs so 10 rows + chrome fit in the board height.
     * ~30% smaller than previous clamp(88px, 11vh, 140px).
     */
    --thumb-h: clamp(
      44px,
      min(7.7vh, calc((100dvh - 12rem) / var(--story-row-count) - 4px)),
      98px
    );
    width: min(480px, 40vw);
    top: max(52px, env(safe-area-inset-top, 0px) + 44px);
    bottom: max(12px, env(safe-area-inset-bottom, 0px));
    padding: 8px 14px 10px 16px;
    gap: 0;
    overflow: hidden;
  }

  /* Real flex item so title never paints over Auto — centered above tabs */
  .story-listing__toolbar {
    display: flex !important;
    flex: 0 0 auto !important;
    order: 1;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    margin: 0 0 8px !important;
    padding: 0 0 8px !important;
    border-bottom: 1px solid rgba(105, 240, 174, 0.28);
    position: relative;
    z-index: 4;
    pointer-events: none;
    text-align: center;
  }

  .story-listing__toolbar .story-listing__heading {
    order: unset !important;
    margin: 0 auto !important;
    flex: 0 1 auto;
    width: 100%;
    text-align: center !important;
    pointer-events: auto;
  }

  .story-listing__heading {
    font-size: clamp(1.45rem, 2.2vw, 2rem) !important;
    margin: 0 auto !important;
    line-height: 1.15 !important;
    padding: 0 !important;
    text-align: center !important;
  }

  .story-listing > .story-quote-tab {
    min-height: 40px;
    height: auto;
    padding: 10px 14px 9px;
    font-size: 0.95rem;
    margin: -0.125in 0 8px !important; /* 1/8in total up (2 × 1/16in) */
    flex: 0 0 auto;
    order: 0;
  }

  .story-listing > .story-quote-tab .story-quote-tab__sub {
    font-size: 1.44rem; /* 2× prior 0.72rem */
  }

  .story-listing__list {
    order: 2;
    display: flex !important;
    flex-direction: column !important;
    justify-content: space-between !important;
    gap: 4px !important;
    /* Wheel / trackpad / touch scroll; no visible scrollbar */
    overflow-x: hidden !important;
    overflow-y: auto !important;
    overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none !important; /* Firefox */
    -ms-overflow-style: none !important; /* legacy Edge */
    margin: 0 !important;
    padding: 2px 0 4px !important;
    flex: 1 1 auto;
    min-height: 0;
    position: relative;
    z-index: 1;
  }

  .story-listing__list::-webkit-scrollbar {
    width: 0 !important;
    height: 0 !important;
    display: none !important;
  }

  /* Equal share of board so all 10 tabs land on page 1 */
  .story-listing__list li {
    flex: 1 1 0 !important;
    flex-shrink: 1 !important;
    width: 100%;
    height: auto !important;
    min-height: 0 !important;
    max-height: none !important;
    margin: 0 !important;
    padding: 0 !important;
    position: relative;
    z-index: 0;
    isolation: isolate;
    overflow: hidden;
    display: flex !important;
    align-items: center !important;
  }

  .story-listing__link,
  .story-listing__link--nav {
    gap: 0.55rem !important;
    /* Descriptors 1/3in larger than prior clamp */
    font-size: calc(clamp(1.05rem, 2vh, 1.55rem) + 0.333in) !important;
    line-height: 1.15 !important;
    padding: 0 0 0 0.15rem !important;
    min-height: 0 !important;
    height: 100% !important;
    max-height: none !important;
    align-items: center !important;
    overflow: hidden !important;
    transform: none !important;
    width: 100%;
  }

  .story-listing__link:hover,
  .story-listing__link:focus-visible,
  .story-listing__link.is-active,
  .story-listing__link--nav:hover,
  .story-listing__link--nav:focus-visible,
  .story-listing__link--nav.is-active {
    transform: none !important;
  }

  .story-listing__thumb {
    flex: 0 0 var(--thumb-h) !important;
    width: var(--thumb-h) !important;
    height: var(--thumb-h) !important;
    min-width: var(--thumb-h) !important;
    min-height: var(--thumb-h) !important;
    max-width: var(--thumb-h) !important;
    max-height: var(--thumb-h) !important;
    border-radius: 8px !important;
    aspect-ratio: 1 / 1 !important;
    position: relative !important;
    z-index: 0 !important;
    overflow: hidden !important;
    flex-shrink: 0 !important;
    margin-right: 0.35rem !important; /* keep labels clear of the image */
  }

  .story-listing__text {
    line-height: 1.15 !important;
    flex: 1 1 auto !important;
    min-width: 3.5ch !important;
    overflow: visible !important;
    position: relative;
    z-index: 2;
    /* Push wording right of the thumb so text never sits on the image */
    margin-left: 0.35rem !important;
    padding-left: 0.2rem !important;
  }

  .story-listing__label {
    font-size: calc(clamp(1.05rem, 2vh, 1.55rem) + 0.333in) !important;
    line-height: 1.15 !important;
    white-space: nowrap !important;
    overflow: hidden !important;
    text-overflow: ellipsis !important;
    display: block !important;
    position: relative;
    z-index: 2;
    margin-left: 0 !important;
    padding-left: 0.1rem !important;
  }

  .story-track {
    width: 14px;
    height: 14px;
  }

  .story-track i {
    width: 9px;
    height: 9px;
  }

  .story-detail {
    width: min(640px, calc(100vw - min(480px, 40vw) - 64px));
  }

  .story-detail__title {
    font-size: clamp(1.5rem, 2.6vw, 2.1rem) !important;
  }

  .story-detail__line {
    font-size: clamp(1rem, 1.6vw, 1.25rem) !important;
  }
}

/* Stack: Quote → Our Story title → tab list */
.story-listing > .story-quote-tab {
  order: 0;
  flex: 0 0 auto;
}

.story-listing__heading {
  position: relative;
  z-index: 2;
  margin: 0 auto;
  font-family: var(--font-serif), Georgia, serif;
  font-size: clamp(1.15rem, 2.2vw, 1.65rem);
  font-weight: 700;
  letter-spacing: -0.01em;
  text-transform: none;
  color: var(--green-light, #69f0ae);
  text-shadow:
    0 1px 2px rgba(0, 0, 0, 0.85),
    0 2px 14px rgba(0, 0, 0, 0.6);
  flex: 0 0 auto;
  line-height: 1.15;
  text-align: center;
  width: 100%;
}

.story-track {
  position: absolute;
  left: 0;
  top: 0;
  width: 12px;
  height: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  transform: translateY(0);
  transition: transform 0.18s cubic-bezier(0.19, 1, 0.22, 1);
  z-index: 2;
  pointer-events: none;
}

.story-track i {
  display: block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--green, #00c853);
  box-shadow: 0 0 12px rgba(0, 200, 83, 0.75);
}

/* Tab list below quote + title; wheel/touch scroll, no visible scrollbar */
.story-listing__list {
  order: 2;
  list-style: none;
  margin: 0;
  padding: 2px 0 4px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: stretch;
  gap: 6px;
  flex: 1 1 auto;
  min-height: 0;
  overflow-x: hidden;
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none; /* Firefox — still scrollable via wheel/touch */
  -ms-overflow-style: none;
  position: relative;
  z-index: 1;
}

.story-listing__list::-webkit-scrollbar {
  width: 0;
  height: 0;
  display: none;
}

.story-listing__list li {
  margin: 0;
  padding: 0;
  flex: 0 0 auto;
  flex-shrink: 0;
  min-height: var(--thumb-h, 32px);
  height: auto;
  display: flex;
  align-items: center;
  width: 100%;
  position: relative;
  z-index: 0;
  isolation: isolate;
  overflow: hidden;
}

/*
 * O Positive-style tabs — serif name + square thumbnail per product row.
 * One descriptor word only (no dual-label twin).
 */
.story-listing__link,
.story-listing__link--nav {
  position: relative;
  display: flex !important;
  align-items: center;
  gap: 0.4em;
  overflow: visible;
  text-decoration: none;
  color: #fff !important;
  font-family: var(--font-serif), Georgia, serif;
  /* Descriptors 1/3in larger than prior vh-based size */
  font-size: calc(clamp(0.68rem, 1.55vh, 1.15rem) + 0.333in);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  padding: 0 0.05em 0 0;
  margin: 0 !important;
  border: none;
  border-top: none;
  width: 100%;
  /* Never inherit tall scroll-chapter heights from #chapter-2 / #chapter-11 etc. */
  height: auto !important;
  min-height: 0 !important;
  max-height: none !important;
  box-sizing: border-box;
  opacity: 0.82 !important;
  visibility: visible !important;
  /* Readable on bright photos without a black panel behind the board */
  text-shadow:
    0 1px 2px rgba(0, 0, 0, 0.85),
    0 2px 10px rgba(0, 0, 0, 0.55);
  transition:
    opacity 0.28s cubic-bezier(0.19, 1, 0.22, 1),
    transform 0.28s cubic-bezier(0.19, 1, 0.22, 1);
}

/* Isolate storyboard tab anchors from any leftover chapter scroll-height rules */
#story-listing .story-listing__link {
  height: auto !important;
  /* Prefer row flex sizing so all tabs can share page-1 height */
  min-height: 0 !important;
  max-height: none !important;
  margin: 0 !important;
  overflow: hidden !important;
}

/* When not in equal-flex desktop mode, still reserve thumb space */
@media (max-width: 900px) {
  #story-listing .story-listing__link {
    min-height: var(--thumb-h, 32px) !important;
  }
}

.story-listing__link:hover,
.story-listing__link:focus-visible,
.story-listing__link.is-active,
.story-listing__link--nav:hover,
.story-listing__link--nav:focus-visible,
.story-listing__link--nav.is-active {
  opacity: 1 !important;
  outline: none;
  /* Avoid horizontal shift that makes neighbors look stacked */
  transform: none;
}

/* Thumbnail: square crop; each thumb stays inside its own list row */
.story-listing__thumb {
  flex: 0 0 var(--thumb-h);
  width: var(--thumb-h);
  height: var(--thumb-h);
  min-width: var(--thumb-h);
  min-height: var(--thumb-h);
  max-width: var(--thumb-h);
  max-height: var(--thumb-h);
  aspect-ratio: 1 / 1;
  border-radius: 8px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.08);
  box-shadow:
    0 0 0 1px rgba(255, 255, 255, 0.14),
    0 2px 8px rgba(0, 0, 0, 0.35);
  position: relative;
  z-index: 0;
  display: block !important;
  visibility: visible !important;
  align-self: center;
  flex-shrink: 0;
  margin: 0;
}

.story-listing__thumb img {
  width: 100% !important;
  height: 100% !important;
  max-width: 100% !important;
  max-height: 100% !important;
  object-fit: cover;
  object-position: center center;
  display: block !important;
  transform: none;
  transition: none;
  aspect-ratio: 1 / 1;
}

.story-listing__link:hover .story-listing__thumb img,
.story-listing__link:focus-visible .story-listing__thumb img,
.story-listing__link.is-active .story-listing__thumb img {
  transform: none;
}

/* Carriers thumb — green neon glow */
.story-listing__thumb--glow {
  box-shadow:
    0 0 0 1px rgba(0, 200, 83, 0.55),
    0 0 14px rgba(0, 200, 83, 0.45),
    0 0 28px rgba(0, 230, 118, 0.22);
}

.story-listing__thumb--glow img {
  filter: brightness(1.1) saturate(1.15);
}

.story-listing__link:hover .story-listing__thumb--glow,
.story-listing__link:focus-visible .story-listing__thumb--glow,
.story-listing__link.is-active .story-listing__thumb--glow {
  box-shadow:
    0 0 0 1px rgba(0, 230, 118, 0.75),
    0 0 18px rgba(0, 200, 83, 0.65),
    0 0 36px rgba(0, 230, 118, 0.35);
}

.story-listing__text {
  position: relative;
  flex: 1 1 auto;
  min-width: 4.5ch;
  overflow: visible;
  display: block;
  line-height: 1.2;
  align-self: center;
  z-index: 2;
  margin-left: 0.3rem;
  padding-left: 0.15rem;
}

/* Single descriptor only — never show label + hover twin */
.story-listing__label {
  display: block;
  white-space: normal;
  overflow: visible;
  text-overflow: unset;
  -webkit-line-clamp: unset;
  font-family: inherit;
  font-size: inherit;
  font-weight: inherit;
  line-height: 1.25;
  letter-spacing: inherit;
  word-break: break-word;
  hyphens: auto;
  transform: none !important;
  transition: color 0.28s ease;
  color: #fff;
  text-shadow:
    0 1px 2px rgba(0, 0, 0, 0.9),
    0 2px 10px rgba(0, 0, 0, 0.65);
  position: relative;
  z-index: 2;
}

/* Legacy twin markup: keep out of the layout if still present */
.story-listing__hover {
  display: none !important;
  visibility: hidden !important;
  position: absolute !important;
  width: 0 !important;
  height: 0 !important;
  overflow: hidden !important;
  pointer-events: none !important;
}

.story-listing__link:hover .story-listing__label,
.story-listing__link:focus-visible .story-listing__label,
.story-listing__link.is-active .story-listing__label {
  color: var(--green-light, #69f0ae) !important;
  transform: none !important;
}

/* Subtle divider before first page tab (About) — no extra height */
.story-listing__list li:nth-child(11) .story-listing__link--nav {
  margin-top: 0;
  padding-top: 0;
  box-shadow: inset 0 1px 0 rgba(105, 240, 174, 0.35);
}

/* Chapter wording + promo tab — bottom center of each story page */
.story-detail {
  position: absolute;
  left: 50%;
  bottom: max(24px, env(safe-area-inset-bottom, 0px) + 16px);
  transform: translateX(-50%);
  z-index: 200;
  width: min(560px, calc(100vw - min(320px, 38vw) - 48px));
  max-width: min(560px, 92vw);
  margin: 0;
  padding: 0 12px;
  text-align: center;
  pointer-events: none;
  box-sizing: border-box;
}

.story-detail__panel {
  pointer-events: auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.story-detail__panel[hidden] {
  display: none !important;
}

.story-detail__title {
  margin: 0 0 8px;
  font-family: var(--font-serif), Georgia, serif;
  font-size: clamp(1.25rem, 2.4vw, 1.85rem);
  font-weight: 600;
  color: #fff;
  text-align: center;
  text-shadow: 0 2px 18px rgba(0, 0, 0, 0.55);
  white-space: normal;
  overflow: visible;
  text-overflow: unset;
  -webkit-line-clamp: unset;
  word-break: break-word;
  line-height: 1.25;
}

.story-detail__line {
  margin: 0 0 14px;
  font-size: clamp(0.95rem, 1.4vw, 1.1rem);
  white-space: normal;
  overflow: visible;
  text-overflow: unset;
  -webkit-line-clamp: unset;
  word-break: break-word;
  line-height: 1.4;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.9);
  text-align: center;
  text-shadow: 0 1px 10px rgba(0, 0, 0, 0.5);
}

.story-detail .chapter-promo-tab {
  display: inline-flex;
  margin-left: auto;
  margin-right: auto;
}

/* Hidden legacy chapter markers */
.journey--opos > .chapter[hidden] {
  display: none !important;
}

/* Docs no longer needs negative pull over tall scroll chapters */
.journey--storyboard ~ .docs-section,
.journey--opos ~ .docs-section {
  margin-top: 0;
}

/* ============================================
   MOBILE HOME — simple, clear, no overlap
   Header: logo + EN/ES + phone
   Nav grid: key tasks
   List: insurance options → quote
   Sticky bar: Call · Schedule · Quote
   ============================================ */
@media (max-width: 900px) {
  /* Compact fixed top chrome */
  .site-header--home-layout {
    position: sticky;
    top: 0;
    z-index: 300;
    background: rgba(10, 14, 12, 0.92);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .site-header--home-layout .site-header__inner {
    display: flex;
    flex-direction: column;
    gap: 0;
    padding: max(8px, env(safe-area-inset-top, 0px)) 12px 10px !important;
    min-height: 0 !important;
  }

  /* Hide redundant header chrome on mobile home */
  .site-header--home-layout .site-header__search,
  .site-header--home-layout .site-header__search--with-phone,
  .site-header--home-layout .site-header__center-band,
  .site-header--home-layout .site-header__page-tabs,
  .site-header--home-layout .logo-stack__zoom-link,
  .site-header--home-layout .meet-link {
    display: none !important;
  }

  .site-header--home-layout .site-header__bar {
    min-height: 0 !important;
    padding: 0 !important;
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    width: 100%;
  }

  .site-header--home-layout .site-header__inner,
  .site-header--home-layout .site-header__bar {
    pointer-events: auto !important;
  }

  .site-header--home-layout .logo-stack {
    position: static !important;
    top: auto !important;
    left: auto !important;
    max-width: none !important;
    flex: 1 1 auto;
    min-width: 0;
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 10px;
    z-index: 5;
    pointer-events: auto !important;
  }

  .site-header--home-layout .logo {
    width: auto !important;
    flex: 0 1 auto !important;
    max-width: 58% !important;
    z-index: 1 !important;
  }

  .site-header--home-layout .logo__img {
    max-height: 96px !important; /* 2× prior 48px mobile logo */
    width: auto;
  }

  .site-header--home-layout .logo-stack__toolbar {
    flex-direction: row;
    align-items: center;
    gap: 6px;
    margin: 0;
    flex: 0 0 auto;
    z-index: 260 !important;
    pointer-events: auto !important;
  }

  .site-header--home-layout .lang-switch {
    display: inline-flex !important;
    pointer-events: auto !important;
    z-index: 261 !important;
  }

  .site-header--home-layout .lang-switch__btn {
    min-width: 44px;
    min-height: 40px;
    padding: 10px 12px;
    font-size: 0.78rem;
    /* Inactive: black bg, white letters */
    background: #000 !important;
    border: 1px solid rgba(255, 255, 255, 0.35) !important;
    color: #fff !important;
  }

  .site-header--home-layout .lang-switch__btn:not(.is-active):hover {
    background: #111 !important;
    color: #fff !important;
  }

  .site-header--home-layout .lang-switch__btn.is-active {
    background: #00c853 !important;
    border-color: #00a844 !important;
    color: #04140a !important;
  }

  /* Hide desktop search-row phone; bar phone is used on mobile */
  .site-header--home-layout .site-header__phone--search {
    display: none !important;
  }

  .site-header--home-layout .site-header__phone--bar {
    display: inline-flex !important;
    align-items: center;
    gap: 6px;
    flex: 0 0 auto;
    margin: 0;
    padding: 7px 10px;
    border-radius: 999px;
    background: rgba(0, 200, 83, 0.18);
    border: 1px solid rgba(105, 240, 174, 0.45);
    color: #b9f6ca !important;
    font-size: 0.78rem;
    font-weight: 700;
    text-decoration: none !important;
    white-space: nowrap;
    max-width: 48vw;
  }

  .site-header--home-layout .site-header__phone--bar .site-header__phone-number {
    overflow: hidden;
    text-overflow: ellipsis;
  }

  a.site-header__phone.site-header__phone--search,
  .site-header__phone.site-header__phone--search {
    width: 2in !important;
    height: 0.5in !important;
    font-size: calc(0.9rem + 0.0625in) !important;
  }

  a.site-header__phone.site-header__phone--search .site-header__phone-number,
  .site-header__phone.site-header__phone--search .site-header__phone-number {
    font-size: calc(0.9rem + 0.0625in) !important;
  }

  a.site-header__phone.site-header__phone--search svg,
  .site-header__phone.site-header__phone--search svg {
    width: 16px !important;
    height: 16px !important;
  }

  .site-header__phone--corner {
    padding: 6px 12px;
    font-size: 0.82rem;
  }

  .story-stage {
    display: block;
    padding: 0 !important;
    min-height: 0 !important;
    height: auto !important;
  }

  /* Hide cinematic stage clutter on mobile — list is the interface */
  body.storyboard-mode .story-bg-images,
  body.storyboard-mode .story-bg-shade,
  body.storyboard-mode .story-detail,
  body.storyboard-mode #story-listing,
  body.storyboard-mode .story-listing {
    display: none !important;
  }

  body.storyboard-mode {
    background: #f4faf6 !important;
    color: #0a1f14;
  }

  body.storyboard-mode .journey--storyboard,
  body.storyboard-mode .journey--opos {
    height: auto !important;
    min-height: 0 !important;
    max-height: none !important;
    overflow: visible !important;
    background: #f4faf6;
    margin: 0;
    padding: 0;
  }

  /* Brighter mobile header */
  .site-header--home-layout {
    background: rgba(255, 255, 255, 0.96) !important;
    box-shadow: 0 1px 0 rgba(0, 0, 0, 0.06);
  }

  .site-header--home-layout .logo__img,
  .site-header--home-layout .fcib-logo {
    max-height: 104px !important; /* 2× prior 52px mobile logo */
    filter:
      brightness(1.18)
      contrast(1.05)
      drop-shadow(0 1px 2px rgba(0, 0, 0, 0.12)) !important;
    animation: none !important;
  }

  .site-header--home-layout .lang-switch__btn {
    background: #000 !important;
    border: 1px solid rgba(255, 255, 255, 0.35) !important;
    color: #fff !important;
    font-weight: 700;
  }

  .site-header--home-layout .lang-switch__btn:not(.is-active):hover {
    background: #111 !important;
    color: #fff !important;
  }

  .site-header--home-layout .lang-switch__btn.is-active {
    background: #00c853 !important;
    border-color: #00a844 !important;
    color: #04140a !important;
  }

  .site-header--home-layout .site-header__phone--bar {
    background: #e8fff0 !important;
    border: 1.5px solid #00c853 !important;
    color: #006b2e !important;
    font-size: 0.82rem !important;
  }

  /* —— Mobile task grid (bright, high contrast) —— */
  .mobile-home-nav {
    display: block;
    position: relative;
    z-index: 20;
    margin: 0;
    padding: 16px 14px 12px;
    background: linear-gradient(180deg, #f7fcf8 0%, #eef8f1 100%);
    color: #0a1f14;
  }

  .mobile-home-nav__lead {
    margin: 0 0 14px;
    font-size: 1.15rem;
    font-weight: 800;
    color: #062816;
    text-align: center;
    text-shadow: none;
  }

  .mobile-home-nav__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }

  .mobile-home-nav__item {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 6px;
    min-height: 92px;
    padding: 12px 10px;
    border-radius: 14px;
    border: 1.5px solid rgba(0, 140, 60, 0.22);
    background: #fff;
    color: #0a2818 !important;
    text-decoration: none !important;
    font: inherit;
    font-size: 0.9rem;
    font-weight: 700;
    text-align: center;
    line-height: 1.25;
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(0, 60, 30, 0.08);
    -webkit-tap-highlight-color: transparent;
  }

  .mobile-home-nav__item--accent {
    grid-column: 1 / -1;
    background: linear-gradient(135deg, #69f0ae 0%, #00c853 55%, #00a844 100%);
    border-color: rgba(0, 120, 50, 0.35);
    color: #04140a !important;
    min-height: 56px;
    flex-direction: row;
    gap: 10px;
    box-shadow: 0 6px 18px rgba(0, 160, 70, 0.28);
  }

  .mobile-home-nav__icon {
    font-size: 1.4rem;
    line-height: 1;
  }

  .mobile-home-nav__label {
    display: block;
    white-space: normal;
    overflow: visible;
    word-break: break-word;
    color: inherit;
  }

  /* Sticky bottom actions — all green, clearer labels */
  .mobile-cta-bar--home,
  body.storyboard-mode .mobile-cta-bar--home,
  body.storyboard-mode .mobile-cta-bar {
    display: flex !important;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 400;
    gap: 8px;
    align-items: stretch;
    padding: 10px 10px calc(10px + env(safe-area-inset-bottom, 0px));
    background: #f0faf3;
    border-top: 1px solid rgba(0, 160, 70, 0.22);
    box-shadow: 0 -6px 20px rgba(0, 60, 30, 0.12);
  }

  .mobile-cta-bar--home .mobile-cta-bar__btn,
  .mobile-cta-bar--home .mobile-cta-bar__schedule,
  .mobile-cta-bar--home .mobile-cta-bar__quote {
    flex: 1 1 0;
    min-height: 64px !important;
    height: auto !important;
    display: inline-flex !important;
    flex-direction: row !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 8px !important;
    border-radius: 12px;
    font-weight: 800;
    font-size: 0.82rem;
    line-height: 1.2;
    letter-spacing: 0;
    text-decoration: none !important;
    border: 2px solid #007a33;
    background: #00c853 !important;
    color: #04140a !important;
    box-shadow: 0 3px 10px rgba(0, 120, 50, 0.22);
    padding: 10px 8px !important;
    text-align: left;
    white-space: normal !important;
    overflow: visible !important;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: geometricPrecision;
    text-shadow: none !important;
    filter: none !important;
    backdrop-filter: none !important;
    transform: none !important;
  }

  .mobile-cta-bar--home .mobile-cta-bar__schedule {
    order: 1;
    background: #00c853 !important;
    border-color: #007a33;
  }

  .mobile-cta-bar--home .mobile-cta-bar__quote {
    order: 2;
    background: #00e676 !important;
    border-color: #00a844;
  }

  /* Full tab labels — wrap so full phrases stay readable */
  .mobile-cta-bar--home .mobile-cta-bar__label {
    display: block !important;
    flex: 1 1 auto;
    min-width: 0;
    max-width: 100%;
    margin: 0 !important;
    padding: 0 !important;
    color: #04140a !important;
    font-size: 0.78rem !important;
    font-weight: 800 !important;
    line-height: 1.2 !important;
    letter-spacing: 0.01em;
    text-align: left !important;
    white-space: normal !important;
    overflow: visible !important;
    text-overflow: unset !important;
    text-shadow: none !important;
    word-break: break-word;
  }

  .mobile-cta-bar--home .mobile-cta-bar__btn svg {
    width: 18px;
    height: 18px;
    color: #04140a !important;
    stroke: #04140a !important;
    flex-shrink: 0;
    margin: 0;
  }

  /* Hide any leftover call tab styling if present elsewhere */
  .mobile-cta-bar--home .mobile-cta-bar__call {
    display: none !important;
  }

  .mobile-cta-bar--home .mobile-cta-bar__center {
    display: contents;
  }

  /* Desktop storyboard chrome stays off on mobile home */
  .story-quote-tab,
  .story-detail,
  #story-listing {
    display: none !important;
  }
}

/* Mobile scroll sections — one card per story product with descriptors + quote CTA */
.story-mobile-scroll {
  display: none;
}

@media (max-width: 900px) {
  .story-mobile-scroll {
    display: block;
    position: relative;
    z-index: 4;
    margin-top: 0;
    padding: 18px 14px calc(96px + env(safe-area-inset-bottom, 0px));
    background: #f4faf6;
    color: #0a1f14;
  }

  .story-mobile-scroll__heading {
    margin: 0 0 6px;
    font-family: var(--font-serif), Georgia, serif;
    font-size: 1.45rem;
    color: #006b2e;
    text-shadow: none;
  }

  .story-mobile-scroll__lead {
    margin: 0 0 16px;
    font-size: 0.98rem;
    color: #1a3326;
    line-height: 1.45;
    font-weight: 500;
  }

  .story-mobile-scroll__list {
    display: flex;
    flex-direction: column;
    gap: 12px;
  }

  .story-mobile-scroll__services {
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(0, 120, 50, 0.18);
  }

  .story-mobile-scroll__services-title {
    margin: 0 0 10px;
    font-size: 1.05rem;
    font-weight: 800;
    color: #062816;
  }

  .story-mobile-scroll__service-links {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  .story-mobile-scroll__service-links a,
  .story-mobile-scroll__service-links button {
    display: flex;
    align-items: center;
    min-height: 48px;
    padding: 12px 14px;
    border-radius: 12px;
    border: 1.5px solid rgba(0, 140, 60, 0.22);
    background: #fff;
    color: #0a2818 !important;
    text-decoration: none !important;
    font: inherit;
    font-size: 0.95rem;
    font-weight: 700;
    text-align: left;
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0, 60, 30, 0.07);
    -webkit-tap-highlight-color: transparent;
  }

  .story-mobile-card {
    display: grid;
    grid-template-columns: 80px minmax(0, 1fr);
    column-gap: 16px;
    row-gap: 8px;
    align-items: start;
    padding: 14px;
    border-radius: 14px;
    background: #fff;
    border: 1.5px solid rgba(0, 140, 60, 0.18);
    box-shadow: 0 2px 12px rgba(0, 60, 30, 0.08);
    scroll-margin-top: 80px;
  }

  .story-mobile-card__thumb {
    width: 80px;
    height: 80px;
    min-width: 80px;
    min-height: 80px;
    max-width: 80px;
    max-height: 80px;
    aspect-ratio: 1 / 1;
    border-radius: 12px;
    object-fit: cover;
    object-position: center center;
    display: block;
    background: #e8f5ec;
    flex-shrink: 0;
    grid-column: 1;
    filter: brightness(1.12) contrast(1.04);
  }

  .story-mobile-card__body {
    min-width: 0;
    grid-column: 2;
    /* Wording sits clearly to the right of the image */
    padding-left: 4px;
    margin-left: 0;
  }

  .story-mobile-card__title {
    margin: 0 0 4px;
    font-family: var(--font-serif), Georgia, serif;
    font-size: 1.08rem;
    line-height: 1.25;
    color: #062816;
    text-shadow: none;
    white-space: normal;
    overflow: visible;
    -webkit-line-clamp: unset;
    word-break: break-word;
  }

  .story-mobile-card__line {
    margin: 0 0 10px;
    font-size: 0.9rem;
    line-height: 1.4;
    color: #1f3d2c;
    white-space: normal;
    overflow: visible;
    -webkit-line-clamp: unset;
    word-break: break-word;
  }

  .story-mobile-card__cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 36px;
    padding: 8px 14px;
    border-radius: 999px;
    background: var(--green, #00c853);
    color: #06140b !important;
    font-weight: 800;
    font-size: 0.78rem;
    letter-spacing: 0.03em;
    text-decoration: none !important;
    text-transform: uppercase;
  }

  /* Hero stage stays first screen; then user scrolls product cards */
  .journey--storyboard,
  .journey--opos {
    height: auto !important;
    min-height: 100svh;
    max-height: none !important;
    overflow: visible !important;
  }

  .journey--storyboard .story-bg-images,
  .journey--opos .story-bg-images {
    position: sticky;
    top: 0;
    height: 58svh;
    min-height: 280px;
    z-index: 0;
  }

  .story-stage {
    min-height: 58svh;
  }

  /* Keep active story descriptors readable above the dock */
  .story-detail {
    position: absolute !important;
    left: 50% !important;
    bottom: calc(26vh + 8px + env(safe-area-inset-bottom, 0px)) !important;
    transform: translateX(-50%) !important;
    width: min(520px, calc(100vw - 20px)) !important;
    max-width: calc(100vw - 20px) !important;
    z-index: 6 !important;
    pointer-events: none;
  }

  .story-detail__panel {
    pointer-events: auto;
    padding: 10px 12px 12px;
    border-radius: 14px;
    background: rgba(8, 12, 10, 0.72);
    border: 1px solid rgba(255, 255, 255, 0.14);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
  }

  .story-detail__title {
    font-size: clamp(1.05rem, 4.2vw, 1.35rem) !important;
    margin-bottom: 6px !important;
    white-space: normal !important;
    overflow: visible !important;
    -webkit-line-clamp: unset !important;
    word-break: break-word !important;
    line-height: 1.25 !important;
  }

  .story-detail__line {
    font-size: clamp(0.88rem, 3.4vw, 1rem) !important;
    margin-bottom: 10px !important;
    color: rgba(255, 255, 255, 0.95) !important;
    white-space: normal !important;
    overflow: visible !important;
    -webkit-line-clamp: unset !important;
    word-break: break-word !important;
    line-height: 1.4 !important;
  }

  .story-detail__panel {
    max-height: none !important;
    overflow: visible !important;
  }

  body.storyboard-mode main > :not(#story):not(.home-reviews):not(#home-google-reviews) {
    display: none !important;
  }

  body.storyboard-mode {
    overflow-x: hidden;
    overflow-y: auto !important;
  }

  html.storyboard-mode,
  html.storyboard-mode body {
    overflow-y: auto !important;
    height: auto !important;
  }
}

/* Portrait: keep mobile home simple — no bottom story dock (list replaces it) */
@media (max-width: 900px) and (orientation: portrait) {
  .journey--storyboard,
  .journey--opos {
    min-height: 0;
  }

  .story-listing,
  #story-listing {
    display: none !important;
  }

  .story-listing.is-expanded,
  body.storyboard-expanded .story-listing {
    display: none !important;
  }

  .story-listing__toolbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    flex: 0 0 auto;
    margin-bottom: 4px;
  }

  .story-listing__toolbar .story-listing__heading {
    margin: 0;
    flex: 1 1 auto;
  }

  .story-listing__expand {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    gap: 4px;
    flex: 0 0 auto;
    min-height: 32px;
    padding: 6px 10px;
    border-radius: 999px;
    border: 1px solid rgba(105, 240, 174, 0.45);
    background: rgba(0, 200, 83, 0.18);
    color: #fff;
    font: inherit;
    font-size: 0.72rem;
    font-weight: 700;
    cursor: pointer;
    -webkit-tap-highlight-color: transparent;
  }

  .story-listing__expand:hover,
  .story-listing__expand:focus-visible {
    background: rgba(0, 200, 83, 0.32);
    outline: none;
  }

  .story-listing > .story-quote-tab {
    order: -1;
    width: auto;
    align-self: flex-start;
  }

  /* Grid of icons — thumbs sized to the cell so they never overlap */
  .story-listing__list {
    --thumb-h: clamp(34px, 8.4vw, 50px); /* ~30% smaller */
    display: grid !important;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    grid-auto-rows: auto;
    gap: 8px 6px;
    overflow-y: auto !important;
    overflow-x: hidden !important;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
    scrollbar-width: none !important;
    -ms-overflow-style: none !important;
    flex: 1 1 auto;
    min-height: 0;
    padding: 4px 2px 8px;
    align-content: start !important;
  }

  .story-listing__list::-webkit-scrollbar {
    width: 0 !important;
    height: 0 !important;
    display: none !important;
  }

  .story-listing__list li {
    flex: none !important;
    min-height: 0 !important;
    height: auto !important;
    width: 100%;
    max-width: 100%;
    overflow: hidden !important;
    isolation: isolate;
    position: relative;
    z-index: 0;
    align-items: stretch !important;
  }

  .story-listing__link,
  .story-listing__link--nav {
    flex-direction: column !important;
    justify-content: flex-start;
    align-items: center;
    text-align: center;
    gap: 6px !important;
    font-size: 0.62rem !important;
    line-height: 1.2 !important;
    padding: 4px 2px 6px !important;
    height: auto !important;
    min-height: 0 !important;
    max-width: 100% !important;
    transform: none !important;
    opacity: 0.95 !important;
    overflow: hidden !important;
  }

  .story-listing__link:hover,
  .story-listing__link:focus-visible,
  .story-listing__link.is-active,
  .story-listing__link--nav:hover,
  .story-listing__link--nav:focus-visible,
  .story-listing__link--nav.is-active {
    transform: none !important;
    background: rgba(0, 200, 83, 0.16);
    border-radius: 8px;
  }

  .story-listing__thumb {
    /* Fit inside grid cell (never larger than column); ~30% smaller */
    flex: 0 0 auto !important;
    width: min(var(--thumb-h), 100%) !important;
    height: auto !important;
    min-width: 0 !important;
    min-height: 0 !important;
    max-width: 100% !important;
    max-height: none !important;
    aspect-ratio: 1 / 1 !important;
    border-radius: 8px;
    overflow: hidden !important;
    margin: 0 auto !important;
  }

  .story-listing__thumb img {
    width: 100% !important;
    height: 100% !important;
    max-width: 100% !important;
    max-height: 100% !important;
    object-fit: cover !important;
    transform: none !important;
  }

  .story-listing__text {
    width: 100%;
    overflow: visible !important;
    line-height: 1.2 !important;
  }

  .story-listing__label {
    white-space: normal !important;
    font-size: inherit !important;
    text-overflow: unset !important;
    display: block !important;
    -webkit-line-clamp: unset !important;
    -webkit-box-orient: unset !important;
    overflow: visible !important;
    line-height: 1.2 !important;
    word-break: break-word !important;
    transform: none !important;
  }

  .story-listing__hover {
    display: none !important;
  }

  .story-listing__link:hover .story-listing__label,
  .story-listing__link:focus-visible .story-listing__label,
  .story-listing__link.is-active .story-listing__label {
    transform: none !important;
  }

  .story-listing__list li:nth-child(11) .story-listing__link--nav {
    box-shadow: none;
  }

  .story-track {
    display: none !important;
  }

  .story-listing.is-expanded .story-listing__list,
  body.storyboard-expanded .story-listing__list {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px 8px;
    --thumb-h: clamp(45px, 15vw, 67px); /* ~30% smaller */
  }

  .story-listing.is-expanded .story-listing__link,
  .story-listing.is-expanded .story-listing__link--nav,
  body.storyboard-expanded .story-listing__link,
  body.storyboard-expanded .story-listing__link--nav {
    font-size: 0.7rem !important;
  }

  .story-listing.is-expanded .story-listing__thumb,
  body.storyboard-expanded .story-listing__thumb {
    width: min(var(--thumb-h), 100%) !important;
  }
}

/* Landscape phones/tablets: same simple mobile home (no side rail clutter) */
@media (max-width: 1100px) and (orientation: landscape) {
  body.storyboard-mode .story-bg-images,
  body.storyboard-mode .story-bg-shade,
  body.storyboard-mode .story-detail,
  body.storyboard-mode #story-listing,
  body.storyboard-mode .story-listing {
    display: none !important;
  }

  .mobile-home-nav {
    display: block;
  }

  .story-mobile-scroll {
    display: block;
  }

  body.storyboard-mode .mobile-cta-bar--home {
    display: flex !important;
  }
}

/* Default: expand control only needed on portrait mobile */
.story-listing__expand {
  display: none;
}

/* Toolbar always reserves its own row so “Our Story” never overlaps Auto */
.story-listing__toolbar {
  display: flex;
  flex: 0 0 auto;
  order: 1;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  margin: 0 0 10px;
  padding: 0;
  box-sizing: border-box;
  position: relative;
  z-index: 3;
  text-align: center;
}

@media (max-width: 900px) and (orientation: portrait) {
  .story-listing__toolbar {
    display: flex;
    order: 1;
  }

  .story-listing__heading {
    order: unset;
  }
}

@media (prefers-reduced-motion: reduce) {
  .story-bg-images__frame,
  .story-bg-images__frame img,
  .story-listing__label,
  .story-listing__hover,
  .story-track {
    transition: none !important;
  }
}

/*
 * Homepage storyboard mode: Our Story → Footer only.
 * Products live only on products.html (centered on that page’s image).
 */
body.storyboard-mode main > :not(#story):not(.home-reviews):not(#home-google-reviews) {
  display: none !important;
}

body.storyboard-mode main > .home-reviews,
body.storyboard-mode #home-google-reviews {
  display: block !important;
}

body.storyboard-mode .site-footer {
  display: block !important;
  position: relative;
  z-index: 12;
}

/* Mobile home: keep sticky Call / Schedule / Quote bar visible */
body.storyboard-mode .mobile-cta-bar {
  display: none;
}

@media (max-width: 900px) {
  body.storyboard-mode .mobile-cta-bar,
  body.storyboard-mode .mobile-cta-bar--home {
    display: flex !important;
  }

  body.storyboard-mode {
    padding-bottom: calc(64px + env(safe-area-inset-bottom, 0px)) !important;
  }
}

/* Desktop: hide mobile-only nav + bar phone */
.mobile-home-nav {
  display: none;
}

.site-header__phone--bar {
  display: none;
}

/* ========== Single-page site panels (kept for legacy embeds; hidden on home) ========== */
.spa-section {
  position: relative;
  z-index: 12;
  padding: clamp(48px, 8vh, 88px) 0;
  background: var(--off-white);
  scroll-margin-top: calc(var(--header-height, 160px) + 16px);
}

.spa-section--claims,
.spa-section--portal {
  background: #0f1419;
  color: #fff;
}

.spa-section--claims .section-title,
.spa-section--portal .section-title {
  color: #fff;
}

.spa-section--contact {
  background: #fff;
}

.spa-section--quote {
  background: #f0f4f8;
}

.spa-section--coverage {
  padding: 36px 0;
  border-top: 1px solid var(--gray-200);
}

.spa-section__header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 28px;
}

.spa-section__eyebrow {
  margin: 0 0 8px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
}

.spa-section__lead {
  margin: 10px auto 0;
  max-width: 560px;
  color: var(--text);
  line-height: 1.55;
}

.spa-section--claims .spa-section__lead,
.spa-section--portal .spa-section__lead {
  color: rgba(255, 255, 255, 0.86);
}

.spa-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.spa-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 22px 20px;
  box-shadow: var(--shadow-sm);
}

.spa-section--claims .spa-card,
.spa-section--portal .spa-card {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.12);
  color: #fff;
}

.spa-card h3 {
  margin: 0 0 8px;
  font-family: var(--font-serif);
  font-size: 1.2rem;
}

.spa-card p {
  margin: 0 0 16px;
  line-height: 1.5;
  color: inherit;
  opacity: 0.9;
}

.spa-contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 28px;
  align-items: start;
}

.spa-contact-list {
  list-style: none;
  margin: 0 0 18px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 1.02rem;
}

.spa-contact-list a {
  color: var(--green-dark);
  font-weight: 600;
}

.spa-contact-form {
  background: var(--off-white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 22px;
}

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

.spa-contact-form .form-group {
  margin-bottom: 12px;
}

.spa-contact-form label {
  display: block;
  margin-bottom: 4px;
  font-size: 0.85rem;
  font-weight: 600;
}

.spa-contact-form input,
.spa-contact-form textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  font: inherit;
}

.spa-contact-form__note {
  margin: 12px 0 0;
  font-size: 0.85rem;
  color: var(--gray-600);
}

.spa-quote-frame {
  border-radius: 14px;
  overflow: hidden;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-md);
  background: #fff;
  min-height: 70vh;
}

.spa-iframe {
  display: block;
  width: 100%;
  min-height: 72vh;
  height: 780px;
  border: 0;
  background: #fff;
}

.spa-iframe--portal {
  min-height: 640px;
  height: 680px;
}

.spa-quote-frame--portal {
  margin-top: 22px;
}

.about-bio {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 24px;
  align-items: stretch;
}

.about-bio__media {
  border-radius: 14px;
  overflow: hidden;
  min-height: 280px;
}

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

.about-bio__content {
  padding: 22px 24px;
}

.about-bio__name {
  margin: 0 0 4px;
  font-family: var(--font-serif);
  font-size: 1.5rem;
}

.about-bio__role {
  margin: 0 0 12px;
  color: var(--gray-600);
  font-weight: 600;
}

.about-bio__highlights {
  margin: 14px 0 18px;
  padding-left: 1.1rem;
  line-height: 1.55;
}

.about-bio__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

@media (max-width: 900px) {
  .spa-cards {
    grid-template-columns: 1fr;
  }

  .spa-contact-grid,
  .about-bio {
    grid-template-columns: 1fr;
  }

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

  .spa-iframe {
    min-height: 70vh;
    height: 640px;
  }
}

/* Gap-fill only when no live chapter photo covers the frame — never stack (double image) */
.story-photo-hold {
  position: sticky;
  top: 0;
  height: 100vh;
  height: 100dvh;
  width: 100%;
  z-index: 0;
  margin: 0;
  margin-bottom: -100vh;
  margin-bottom: -100dvh;
  pointer-events: none;
  background: transparent;
  opacity: 0;
  visibility: hidden;
}

.story-photo-hold.is-active {
  position: sticky;
  top: 0;
  /* Below chapter stickies (z-index 1+) so next photo wipes on top */
  z-index: 0;
  opacity: 1;
  visibility: visible;
}

.story-photo-hold__img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  filter: brightness(var(--fcib-photo-brightness, 1.25));
  background: transparent;
  /* Always fill the frame — this is the anti-black-flash floor */
  min-height: 100%;
}

/* 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, none);
  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;
}

/* Every story page uses the same expanded scroll height (+10%) */
.chapter {
  height: var(--chapter-scroll-height);
  min-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);
  min-height: var(--chapter-enter-height);
}

/* No pull-up over page 1; same expanded height as every other story page.
   Scope to real chapter sections only — never .story-listing__link#chapter-2 (Boat tab). */
.journey > .chapter#chapter-2,
.chapter.chapter--scroll#chapter-2 {
  margin-top: 0;
  height: var(--chapter-scroll-height);
  min-height: var(--chapter-scroll-height);
}

.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 12px 8px;
  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: 14px 16px 10px;
  min-height: 88px;
  position: relative;
  z-index: 4;
  border-radius: 12px;
  background-color: #0c1424;
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.34);
  transition: background-color 0.35s ease, border-color 0.35s ease, box-shadow 0.35s ease;
}

/* Light theme: readable logos + label over white / light page sections */
.carrier-strip[data-ticker-theme="light"],
.site-header.is-ticker-light .carrier-strip {
  background-color: rgba(255, 255, 255, 0.7);
  border-color: rgba(207, 214, 223, 0.7);
  box-shadow: 0 10px 28px rgba(15, 23, 42, 0.11);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.carrier-strip[data-ticker-theme="light"] .carrier-strip__viewport,
.site-header.is-ticker-light .carrier-strip__viewport {
  background-color: transparent;
  border-radius: 8px;
}

.carrier-strip__label {
  margin: 0 0 10px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-align: center;
  text-shadow: none;
  color: rgba(255, 255, 255, 0.9);
  transition: color 0.35s ease;
}

.carrier-strip[data-ticker-theme="light"] .carrier-strip__label,
.site-header.is-ticker-light .carrier-strip__label {
  color: var(--gray-600);
}

.carrier-strip__viewport {
  overflow: hidden;
  min-height: 44px;
  padding: 6px 0;
  mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 8%, black 92%, 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: 0.96;
  transition: filter 0.35s ease, opacity 0.35s ease;
}

.carrier-strip[data-ticker-theme="light"] .carrier-strip__track img,
.site-header.is-ticker-light .carrier-strip__track img {
  filter: var(--fcib-carrier-image-filter);
  opacity: 1;
}

@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: 40px;
    padding: 6px 8px 4px;
  }

  .carrier-strip__label {
    margin: 0 0 4px;
    font-size: 0.5rem;
    letter-spacing: 0.08em;
  }

  .carrier-strip__viewport {
    min-height: 20px;
    padding: 2px 0;
  }

  .carrier-strip__track {
    gap: 16px;
    min-height: 18px;
  }

  .carrier-strip__track img {
    height: 16px;
    max-width: 56px;
  }

  .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;
  /* Transparent so the previous chapter photo shows through while the next fades in */
  background: transparent;
  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%;
  /* Shift boat image 2in left of the original -5% anchor */
  left: calc(-5% - 2in);
  width: calc(105% + 3in);
  height: 105%;
  object-position: 68% center;
  animation: chapter2KenBurns 30s ease-in-out infinite alternate;
  transform:
    translate3d(var(--blend-tx, 0%), var(--blend-ty, 0%), 0)
    rotate(var(--blend-rot, 0deg))
    scale(var(--blend-scale, 1))
    scale(var(--ken-scale, 1))
    translate(var(--ken-tx, 0), var(--ken-ty, 0));
  clip-path: var(--blend-clip, none);
  -webkit-clip-path: var(--blend-clip, none);
}

/* Chapter 11 — Full Circle: same expanded page height as every other story page
   (scoped — do not target storyboard Annuities link a#chapter-11) */
.journey > .chapter#chapter-11,
.chapter.chapter--scroll#chapter-11 {
  height: var(--chapter-scroll-height);
  min-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 {
  /* Full Circle wash — another 25% lighter (alphas × 0.75) */
  background: linear-gradient(
    to top,
    rgba(0, 0, 0, 0.165) 0%,
    rgba(0, 0, 0, 0.08) 42%,
    rgba(0, 0, 0, 0.04) 72%,
    rgba(255, 196, 148, 0.05) 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, clip-path;
  /* O Positive–inspired handoffs: diagonal wipe + soft scale (vars from JS) */
  transform:
    translate3d(var(--blend-tx, 0%), var(--blend-ty, 0%), 0)
    rotate(var(--blend-rot, 0deg))
    scale(var(--blend-scale, 1))
    scale(var(--ken-scale, 1))
    translate(var(--ken-tx, 0), var(--ken-ty, 0));
  clip-path: var(--blend-clip, none);
  -webkit-clip-path: var(--blend-clip, none);
  transition: none;
  /* Transparent floor — previous sticky photo shows through while next wipes in */
  background: transparent;
}

.docs-scene__bg {
  transition: none;
}

.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;
  /* Dark wash lightened another 25% (alphas × 0.75 from prior pass) */
  background: linear-gradient(to top, rgba(0,0,0,0.14) 0%, rgba(0,0,0,0.04) 45%, rgba(0,0,0,0.07) 100%);
  z-index: 1;
  opacity: 1;
  will-change: opacity;
}

.chapter__overlay--dark {
  /* Solemn chapter — 25% lighter dark again */
  background: linear-gradient(to top, rgba(0,0,0,0.165) 0%, rgba(0,0,0,0.105) 50%, rgba(0,0,0,0.12) 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(28px);
  filter: blur(4px);
  transition:
    opacity 0.9s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.9s cubic-bezier(0.22, 1, 0.36, 1),
    filter 1s cubic-bezier(0.22, 1, 0.36, 1);
  pointer-events: none;
}

.chapter__content.visible {
  opacity: 1;
  transform: translateY(0);
  filter: blur(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 — sticky photo pulls over Full Circle for a clean crossfade */
.docs-section {
  /* Match tabs chrome so unstick never flashes pure black before tabs arrive */
  background: #1a1a1a;
  padding-bottom: 0;
  margin-top: calc(-1 * var(--chapter-overlap));
  position: relative;
  z-index: 12;
}

.docs-scene-scroll {
  /* Sticky docs photo hold (+15% with story pages) */
  height: 152vh;
  position: relative;
  background: transparent;
}

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

.docs-scene__bg {
  display: block;
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  min-height: 100%;
  object-fit: cover;
  object-position: center center;
  transform-origin: center center;
  backface-visibility: hidden;
  pointer-events: none;
  opacity: 0;
  z-index: 1;
  will-change: transform, opacity, filter, clip-path;
  transform:
    translate3d(var(--blend-tx, 0%), var(--blend-ty, 0%), 0)
    rotate(var(--blend-rot, 0deg))
    scale(var(--blend-scale, 1));
  clip-path: var(--blend-clip, none);
  -webkit-clip-path: var(--blend-clip, none);
  animation: none;
}

.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;
  /* Docs shade — another 25% lighter */
  background: linear-gradient(to top, rgba(0,0,0,0.14) 0%, rgba(0,0,0,0.04) 45%, rgba(0,0,0,0.07) 100%);
  z-index: 1;
  opacity: 0;
  will-change: opacity;
}

.docs-scene .speech-bubble {
  position: absolute;
  left: 50%;
  bottom: max(12%, calc(env(safe-area-inset-bottom, 0px) + 72px));
  transform: translateX(-50%) translateY(12px);
  z-index: 2;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.45s ease, transform 0.45s ease;
}

.docs-scene .speech-bubble.visible {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}

.docs-section > .docs-tabs,
.docs-section > .docs-panel,
.docs-section > .docs-nav {
  position: relative;
  z-index: 2;
  background: #1a1a1a;
}

.docs-section > .docs-tabs {
  padding-top: 16px;
}

.docs-section > .docs-nav {
  padding-bottom: 80px;
}

.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: 234vh;
    --chapter-enter-height: 183.5vh;
    --chapter-overlap: 80vh;
  }

  .enter__content {
    padding: calc(var(--header-height) + 16px) 16px 24px;
  }

  .enter__title {
    font-size: clamp(1.05rem, 4.9vw, 1.54rem);
  }

  .chapter__content {
    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 {
    /* Reserve space for the always-bottom Chat / phone / Get a Quote bar */
    padding-bottom: calc(var(--mobile-cta-height, 60px) + env(safe-area-inset-bottom, 0px));
  }

  body.has-mobile-hero-dock {
    padding-bottom: calc(var(--mobile-cta-height, 60px) + 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 {
    background: linear-gradient(135deg, #69f0ae 0%, #00c853 48%, #00a844 100%);
    border-color: rgba(0, 108, 46, 0.28);
    color: #000;
    box-shadow: 0 6px 18px rgba(0, 150, 65, 0.3);
  }

  .main-nav__priority-btn--call .site-header__phone-number {
    color: #000;
    font-weight: 800;
  }

  .main-nav__priority-btn--call svg {
    flex-shrink: 0;
    color: #0a0a0a;
  }

  .enter__scroll {
    display: none;
  }

  .enter__eyebrow--soon {
    display: inline;
  }

  .speech-bubble--hero {
    display: none;
  }
  /* Chat + phone + Get a Quote — always pinned to the very bottom (not mid-screen) */
  .mobile-cta-bar {
    display: flex;
    flex-direction: row;
    align-items: stretch;
    gap: 8px;
    position: fixed;
    top: auto;
    left: 0;
    right: 0;
    bottom: 0;
    transform: none;
    z-index: 115;
    width: 100%;
    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__center {
    display: flex;
    align-items: stretch;
    justify-content: center;
    gap: 8px;
    flex: 1.4 1 0;
    width: auto;
    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;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
  }

  .mobile-cta-bar__chat {
    background: rgba(8, 8, 8, 0.82);
    color: var(--white);
  }

  /* Green pill so black phone number stays high-contrast and readable */
  .mobile-cta-bar__call {
    background: linear-gradient(135deg, #69f0ae 0%, #00c853 48%, #00a844 100%);
    border-color: rgba(0, 108, 46, 0.28);
    color: #000;
    box-shadow:
      0 10px 28px rgba(0, 150, 65, 0.42),
      0 0 0 1px rgba(255, 255, 255, 0.22) inset;
  }

  .mobile-cta-bar__chat svg {
    flex-shrink: 0;
    color: var(--green-light);
  }

  .mobile-cta-bar__call svg {
    flex-shrink: 0;
    color: #0a0a0a;
  }

  .mobile-cta-bar__phone {
    font-size: 0.8rem;
    letter-spacing: 0.01em;
    color: #000;
    font-weight: 800;
  }

  .mobile-cta-bar__call:hover,
  .mobile-cta-bar__call:focus-visible {
    background: linear-gradient(135deg, #7cf5ba 0%, #00d65a 48%, #00b84a 100%);
    border-color: rgba(0, 108, 46, 0.4);
  }

  .mobile-cta-bar__quote {
    flex: 1 1 0;
    width: auto;
    max-width: none;
    min-height: 44px;
    margin: 0;
    padding: 10px 12px;
    font-size: 0.74rem;
    pointer-events: auto;
  }

  .mobile-cta-bar__btn {
    min-height: 44px;
    padding: 10px 12px;
    font-size: 0.74rem;
    box-shadow: none;
  }

  .mobile-cta-bar__call {
    box-shadow:
      0 4px 14px rgba(0, 150, 65, 0.35),
      0 0 0 1px rgba(255, 255, 255, 0.18) inset;
  }

  .mobile-cta-bar.is-sticky-bottom .mobile-cta-bar__phone {
    font-size: 0.7rem;
    color: #000;
  }

  .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,
  #contact,
  #coverage-docs,
  #partner,
  #story-family {
    scroll-margin-top: calc(var(--header-height) + 12px);
    scroll-margin-bottom: calc(var(--mobile-cta-height, 60px) + 12px);
  }

  .journey {
    overflow-x: hidden;
    background: #050505;
  }

  /* Keep chapters overlapping on mobile so photos can crossfade */
  .journey > .chapter ~ .chapter {
    margin-top: calc(-1 * var(--chapter-overlap));
  }

  /* Same expanded height on every story page (mobile) — real chapters only */
  .journey > .chapter#chapter-2,
  .chapter.chapter--scroll#chapter-2 {
    margin-top: 0;
    height: var(--chapter-scroll-height);
    min-height: var(--chapter-scroll-height);
  }

  :root {
    --chapter-scroll-height: 202.5svh;
    --chapter-enter-height: 177svh;
    --chapter-overlap: 50svh;
  }

  .journey > .chapter,
  .journey > .chapter--enter,
  .journey > .chapter#chapter-2,
  .journey > .chapter#chapter-11 {
    height: var(--chapter-scroll-height);
    min-height: var(--chapter-scroll-height);
    overflow: hidden;
  }

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

  .chapter__sticky {
    position: sticky;
    top: 0;
    height: 100svh;
    height: 100dvh;
    min-height: 520px;
    max-height: none;
    overflow: hidden;
    background: transparent;
  }

  .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;
    /* Transparent — previous chapter photo shows through during crossfade */
    background: transparent;
  }

  .chapter--enter .chapter__sticky > .chapter__bg {
    object-position: center 38%;
  }

  /* Chapter 2 (boat) — shift image 4in left on mobile for better framing */
  #chapter-2 .chapter__sticky > .chapter__bg {
    left: -4in;
    width: calc(100% + 4in);
    right: auto;
    object-position: center 42%;
  }

  #chapter-11 .chapter__sticky > .chapter__bg {
    object-position: center 55%;
  }

  .docs-section {
    margin-top: calc(-1 * var(--chapter-overlap));
    background: #1a1a1a;
  }

  .docs-scene-scroll {
    height: 145.5svh;
    min-height: var(--chapter-mobile-min-height);
  }

  .docs-scene {
    position: sticky;
    top: 0;
    height: 100svh;
    height: 100dvh;
    min-height: 520px;
    max-height: none;
  }

  .docs-section > .docs-tabs {
    margin-top: 0;
    box-shadow: none;
  }

  .docs-scene__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;
  }

  .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;
  }

  .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: 250;
  }

  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: 100svh;
    height: 100dvh;
    min-height: 480px;
  }

  .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;
  }

  .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: 800;
    color: #000;
  }
}

@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;
  }
}

/* —— Performance: skip layout/paint for off-screen sections —— */
.fcib-cv-auto {
  content-visibility: auto;
  contain-intrinsic-size: 1px 720px;
}

/* —— Accessible accordions (coverage cards, tools, carrier grids) —— */
.fcib-accordion {
  margin: 0;
}

.fcib-accordion__summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  outline: none;
}

.fcib-accordion__summary::-webkit-details-marker {
  display: none;
}

.fcib-accordion__summary:focus-visible {
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.45);
  border-radius: 6px;
}

.fcib-accordion__summary h3 {
  margin: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  width: 100%;
}

.fcib-accordion__summary h3::after {
  content: '+';
  font-weight: 600;
  font-size: 1.25em;
  line-height: 1;
  opacity: 0.75;
  flex-shrink: 0;
}

.fcib-accordion[open] > .fcib-accordion__summary h3::after {
  content: '−';
}

.fcib-accordion__body {
  padding-top: 0.25rem;
}

.fcib-accordion--block {
  border: 1px solid rgba(27, 58, 92, 0.14);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.72);
  box-shadow: 0 8px 28px rgba(10, 10, 10, 0.06);
  margin: 1.25rem 0 1.5rem;
  overflow: clip;
}

.fcib-accordion__summary--bar {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.15rem;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--navy-dark, #1b3a5c);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.95), rgba(245, 247, 250, 0.9));
}

.fcib-accordion__summary--bar .fcib-accordion__hint {
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  opacity: 0.65;
  flex-shrink: 0;
}

.fcib-accordion--block[open] > .fcib-accordion__summary--bar .fcib-accordion__hint {
  visibility: hidden;
  position: relative;
}

.fcib-accordion--block[open] > .fcib-accordion__summary--bar .fcib-accordion__hint::after {
  content: 'Collapse';
  visibility: visible;
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  opacity: 0.65;
  white-space: nowrap;
}

.fcib-accordion--block > .fcib-accordion__body {
  padding: 0 1.15rem 1.25rem;
}

.docs-grid--accordion {
  align-items: start;
}

.docs-grid--accordion .fcib-accordion.paper-doc {
  height: auto;
}

/* Reduce continuous GPU work on logo glow (helps INP / battery) */
@media (prefers-reduced-motion: reduce) {
  .logo__img,
  .fcib-logo {
    animation: none;
    will-change: auto;
  }
}

@media (max-width: 768px) {
  .logo__img,
  .fcib-logo {
    will-change: auto;
  }
}