/* =========================================================================
   Ballantyne Title — Stylesheet
   Mobile-first. Single source of brand tokens. No hardcoded brand hex
   anywhere except :root. No remote @import.
   ========================================================================= */

:root {
  /* Brand palette — navy + sky only. No cream, no warm tones. */
  --brand-primary:    #00305B;  /* sampled — deep navy */
  --brand-primary-700:#002145;
  --brand-primary-50: #e8eef5;
  --brand-secondary:  #B5CFE6;  /* sampled — soft sky */
  --brand-secondary-200:#d4e3f1;
  --brand-accent:     #2f6db0;  /* deeper sky-blue for JV CTAs */
  --brand-accent-700: #1f5896;
  --brand-ink:        #1a1a1a;
  --brand-muted:      #5b6b7c;
  --brand-bg:         #ffffff;
  --brand-bg-soft:    #dde8f3;  /* deeper pale navy section bg */
  --brand-bg-tint:    #eaf0f7;  /* pale navy tint */
  --brand-border:     #c8d6e5;  /* cool gray-blue */
  --brand-success:    #2e7d4f;
  --brand-danger:     #b1392a;

  --shadow-sm: 0 1px 2px rgba(0,48,91,.06), 0 1px 3px rgba(0,48,91,.04);
  --shadow-md: 0 6px 18px rgba(0,48,91,.08), 0 2px 6px rgba(0,48,91,.04);
  --shadow-lg: 0 18px 48px rgba(0,48,91,.14), 0 4px 12px rgba(0,48,91,.06);

  --radius-sm: 8px;
  --radius:    12px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --font-serif: "Source Serif Pro", "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-sans:  "Inter", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --header-h: 64px;
}

@media (min-width: 1100px) {
  :root { --header-h: 76px; }
}

/* ---------- Reset / base ---------- */

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

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: clamp(1rem, 0.5vw + 0.95rem, 1.125rem);
  line-height: 1.65;
  color: var(--brand-ink);
  background: var(--brand-bg);
  overflow-wrap: anywhere;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--brand-primary);
  text-decoration-color: rgba(0, 48, 91, 0.35);
  text-underline-offset: 2px;
  transition: color .15s ease, text-decoration-color .15s ease;
}
a:hover { text-decoration-color: var(--brand-primary); }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  color: var(--brand-primary);
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 5vw + 1rem, 3.75rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.625rem, 3vw + 0.75rem, 2.5rem); }
h3 { font-size: clamp(1.25rem, 1.5vw + 0.85rem, 1.625rem); }
h4 { font-size: clamp(1.05rem, 0.5vw + 0.95rem, 1.25rem); font-weight: 600; }

p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: .35em; }

::selection { background: var(--brand-primary); color: #fff; }

/* Scroll anchor offset for sticky header */
section[id],
[id]:not(body) {
  scroll-margin-top: calc(var(--header-h) + 12px);
}

/* ---------- Layout primitives ---------- */

.container {
  width: 100%;
  max-width: 1200px;
  margin-inline: auto;
  padding-inline: 20px;
}

@media (min-width: 768px)  { .container { padding-inline: 32px; } }
@media (min-width: 1100px) { .container { padding-inline: 40px; } }

.section { padding-block: 56px; }
@media (min-width: 768px)  { .section { padding-block: 80px; } }
@media (min-width: 1100px) { .section { padding-block: 104px; } }

.section--soft  { background: var(--brand-bg-soft); }
.section--tint  { background: var(--brand-bg-tint); }
.section--navy  { background: var(--brand-primary); color: #fff; }
.section--navy h1,
.section--navy h2,
.section--navy h3 { color: #fff; }
.section--navy a  { color: #fff; }

.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brand-accent-700);
  margin-bottom: 12px;
}

.lead {
  font-size: clamp(1.1rem, 0.5vw + 1rem, 1.25rem);
  color: var(--brand-muted);
  max-width: 60ch;
}

.muted { color: var(--brand-muted); }
.center { text-align: center; }
.center .lead { margin-inline: auto; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;        /* tap target */
  padding: 12px 22px;
  border-radius: 999px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1rem;
  line-height: 1;
  text-decoration: none;
  cursor: pointer;
  border: 1px solid transparent;
  transition: transform .15s ease, background .15s ease, color .15s ease, border-color .15s ease, box-shadow .15s ease;
}
.btn:focus-visible {
  outline: 3px solid rgba(0, 48, 91, 0.25);
  outline-offset: 2px;
}
.btn:hover { transform: translateY(-1px); }

.btn--primary {
  background: var(--brand-primary);
  color: #fff;
}
.btn--primary:hover { background: var(--brand-primary-700); }

.btn--ghost {
  background: transparent;
  color: var(--brand-primary);
  border-color: rgba(0, 48, 91, 0.25);
}
.btn--ghost:hover { border-color: var(--brand-primary); background: rgba(0,48,91,.04); }

.btn--accent {
  background: var(--brand-accent);
  color: #fff;
}
.btn--accent:hover { background: var(--brand-accent-700); color: #fff; }

.btn--white {
  background: #fff;
  color: var(--brand-primary);
}
.btn--white:hover { background: var(--brand-secondary-200); }

.btn--block { width: 100%; }
@media (min-width: 768px) { .btn--block-sm { width: auto; } }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.btn-row .btn { width: 100%; }
@media (min-width: 480px) {
  .btn-row .btn { width: auto; }
}

/* ---------- Top phone band (sky gradient) ---------- */

.top-band {
  background: linear-gradient(90deg, var(--brand-secondary) 0%, var(--brand-secondary-200) 50%, #fff 100%);
  border-bottom: 1px solid rgba(0,48,91,.05);
  font-size: 0.82rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brand-primary);
}
.top-band__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  height: 32px;
  text-align: center;
  flex-wrap: wrap;
}
.top-band a {
  color: var(--brand-primary);
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.04em;
}
.top-band a:hover { text-decoration: underline; }

/* Phone band — secondary nights & weekends row used on Home below hero */
.phone-band {
  background: var(--brand-primary-50);
  border-block: 1px solid rgba(0,48,91,.08);
}
.phone-band__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px 28px;
  flex-wrap: wrap;
  padding: 14px 16px;
  font-size: 0.88rem;
  color: var(--brand-primary);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  text-align: center;
}
.phone-band a { color: var(--brand-primary); text-decoration: none; }
.phone-band a:hover { text-decoration: underline; }
.phone-band span { color: var(--brand-muted); font-weight: 500; }

/* ---------- Header / Nav ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.85);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--brand-border);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  height: var(--header-h);
}

.site-header__brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--brand-primary);
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: 0.02em;
  min-height: 44px;
}
.site-header__brand img,
.site-header__brand svg { height: 44px; width: auto; }
@media (min-width: 768px) {
  .site-header__brand img,
  .site-header__brand svg { height: 52px; }
}
.site-header__logo { display: block; height: 44px; width: auto; }
@media (min-width: 768px) { .site-header__logo { height: 52px; } }
.site-header__brand-name { line-height: 1; }
.site-header__brand-name small {
  display: block;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  color: var(--brand-muted);
  text-transform: uppercase;
  margin-top: 2px;
}

.nav {
  display: none;
}
.nav__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 4px;
  align-items: center;
}
.nav__link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 10px 14px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--brand-ink);
  text-decoration: none;
  border-radius: var(--radius-sm);
}
.nav__link:hover,
.nav__link[aria-current="page"] {
  color: var(--brand-primary);
  background: rgba(0,48,91,.05);
}

.nav__cta { margin-left: 6px; }

@media (min-width: 1024px) {
  .nav { display: block; }
  .nav-toggle { display: none; }
}

/* Hamburger */
.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border: 1px solid var(--brand-border);
  background: #fff;
  border-radius: var(--radius-sm);
  cursor: pointer;
}
.nav-toggle:focus-visible {
  outline: 3px solid rgba(0,48,91,.25);
  outline-offset: 2px;
}
.nav-toggle__bar {
  position: relative;
  width: 18px;
  height: 2px;
  background: var(--brand-primary);
  border-radius: 2px;
  display: block;
}
.nav-toggle__bar::before,
.nav-toggle__bar::after {
  content: "";
  position: absolute;
  left: 0;
  width: 18px;
  height: 2px;
  background: var(--brand-primary);
  border-radius: 2px;
}
.nav-toggle__bar::before { top: -6px; }
.nav-toggle__bar::after  { top:  6px; }

/* Mobile overlay menu */
.mobile-menu {
  position: fixed;
  inset: 0;
  background: #fff;
  z-index: 60;
  display: flex;
  flex-direction: column;
  padding: 20px;
  transform: translateY(-12px);
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s ease, transform .2s ease;
  overflow-y: auto;
}
.mobile-menu[data-open="true"] {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.mobile-menu__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
  height: var(--header-h);
}
.mobile-menu__close {
  width: 44px;
  height: 44px;
  border: 1px solid var(--brand-border);
  background: #fff;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 22px;
  line-height: 1;
  color: var(--brand-primary);
}
.mobile-menu__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.mobile-menu__link {
  display: flex;
  align-items: center;
  min-height: 56px;
  padding: 14px 12px;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--brand-primary);
  text-decoration: none;
  border-bottom: 1px solid var(--brand-border);
}
.mobile-menu__cta {
  margin-top: 24px;
}
.mobile-menu__contact {
  margin-top: auto;
  padding-top: 24px;
  font-size: 0.95rem;
  color: var(--brand-muted);
}
.mobile-menu__contact a { color: var(--brand-primary); font-weight: 500; }

@media (min-width: 1024px) {
  .mobile-menu { display: none; }
}

/* ---------- Hero ---------- */

.hero {
  position: relative;
  padding: 56px 0 40px;
  background: linear-gradient(180deg, var(--brand-bg-tint) 0%, #fff 100%);
}
@media (min-width: 768px)  { .hero { padding: 88px 0 64px; } }
@media (min-width: 1100px) { .hero { padding: 112px 0 88px; } }

.hero__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: center;
}
@media (min-width: 1024px) {
  .hero__grid {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 56px;
  }
}

.hero__art {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  aspect-ratio: 16 / 9;
  background: linear-gradient(135deg, var(--brand-primary) 0%, #1a4a7a 100%);
}

.hero__art img,
.hero__art video,
.hero__art .image-placeholder {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero__title { margin-bottom: 16px; }
.hero__sub {
  font-size: clamp(1.05rem, 0.5vw + 1rem, 1.25rem);
  color: var(--brand-muted);
  max-width: 56ch;
  margin-bottom: 28px;
}

.hero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
  margin-top: 28px;
  font-size: 0.9rem;
  color: var(--brand-muted);
}
.hero__meta strong { color: var(--brand-ink); font-weight: 600; }

/* Hero variants */

.hero--image {
  padding: 0;
  background: none;
}
.hero--image .hero__media {
  position: relative;
  width: 100%;
  aspect-ratio: 21 / 9;
  min-height: 260px;
  max-height: 55vh;
  background: var(--brand-primary);
  overflow: hidden;
}
@media (min-width: 768px) { .hero--image .hero__media { aspect-ratio: 21 / 8; min-height: 320px; max-height: 60vh; } }
@media (min-width: 1100px) { .hero--image .hero__media { aspect-ratio: 21 / 7.5; min-height: 380px; max-height: 64vh; } }
.hero--image .hero__media img,
.hero--image .hero__media .image-placeholder {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 0;
}
.hero--image .hero__media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0,48,91,0.20) 0%, rgba(0,48,91,0.50) 100%);
}
.hero--image .hero__overlay {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  padding: 32px 0;
}
@media (min-width: 900px) {
  .hero--image .hero__overlay { grid-template-columns: 1fr 1fr; gap: 24px; padding: 56px 0; }
}
.hero-card {
  background: var(--brand-primary);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,.12);
}
.hero-card--soft {
  background: rgba(0,48,91,0.85);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.hero-card h1, .hero-card h2, .hero-card h3 { color: #fff; }
.hero-card .eyebrow { color: var(--brand-secondary); }
.hero-card p { color: rgba(255,255,255,0.9); }
.hero-card ul { padding-left: 1.1em; color: rgba(255,255,255,0.92); }
.hero-card ul li::marker { color: var(--brand-secondary); }
.hero-card .btn--white { width: 100%; }
@media (min-width: 480px) { .hero-card .btn--white { width: auto; } }

/* ---------- Cards ---------- */

.card {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.card:hover { box-shadow: var(--shadow-md); border-color: var(--brand-secondary); }
.card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--brand-primary-50);
  color: var(--brand-primary);
  border-radius: var(--radius);
  margin-bottom: 16px;
}
.card__icon svg { width: 26px; height: 26px; }
.card__title {
  font-size: 1.2rem;
  margin-bottom: 8px;
}
.card__body {
  font-size: 0.95rem;
  color: var(--brand-muted);
  margin-bottom: 16px;
}
.card__cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--brand-primary);
  text-decoration: none;
  min-height: 44px;
}
.card__cta:hover { color: var(--brand-primary-700); }
.card__cta::after {
  content: "→";
  transition: transform .15s ease;
}
.card__cta:hover::after { transform: translateX(3px); }

/* ---------- Card grid ---------- */

.grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 480px)  { .grid { grid-template-columns: repeat(2, 1fr); gap: 18px; } }
@media (min-width: 900px)  { .grid--3 { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
@media (min-width: 900px)  { .grid--4 { grid-template-columns: repeat(4, 1fr); gap: 24px; } }
@media (min-width: 1100px) { .grid    { gap: 28px; } }

.section-head {
  max-width: 60ch;
  margin: 0 auto 40px;
  text-align: center;
}
@media (min-width: 768px) { .section-head { margin-bottom: 56px; } }

/* ---------- Trust list ---------- */

.trust-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}
@media (min-width: 600px) { .trust-list { grid-template-columns: 1fr 1fr; gap: 14px; } }
@media (min-width: 900px) { .trust-list { grid-template-columns: 1fr 1fr; gap: 16px; } }

.trust-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius);
  font-weight: 500;
  margin-bottom: 0;
}
.trust-list li::before {
  content: "";
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background: var(--brand-primary);
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='4 12 10 18 20 7'/></svg>") center / contain no-repeat;
          mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='4 12 10 18 20 7'/></svg>") center / contain no-repeat;
  margin-top: 2px;
}

/* ---------- Service grid (3x3 white-on-navy) ---------- */

.service-grid-section {
  background: linear-gradient(135deg, var(--brand-primary) 0%, #1a4a7a 60%, var(--brand-primary-700) 100%);
  color: #fff;
}
.service-grid-section h2,
.service-grid-section .eyebrow,
.service-grid-section p { color: #fff; }
.service-grid-section .eyebrow { color: var(--brand-secondary); }

.service-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
@media (min-width: 600px)  { .service-grid { grid-template-columns: repeat(3, 1fr); gap: 14px; } }
@media (min-width: 900px)  { .service-grid { grid-template-columns: repeat(3, 1fr); gap: 18px; } }

.service-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 10px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.18);
  color: #fff;
  text-decoration: none;
  border-radius: var(--radius);
  padding: 22px 14px;
  min-height: 140px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  transition: background .15s ease, transform .15s ease, border-color .15s ease;
}
.service-tile:hover {
  background: rgba(255,255,255,0.10);
  border-color: var(--brand-secondary);
  transform: translateY(-2px);
}
.service-tile svg {
  width: 56px;
  height: 56px;
  stroke: #fff;
  stroke-width: 1.5;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* ---------- Underwriter logo strip ---------- */

.underwriters {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px 20px;
  align-items: center;
  justify-items: center;
}
@media (min-width: 768px) {
  .underwriters {
    grid-template-columns: repeat(4, 1fr);
    padding: 36px 28px;
    gap: 32px;
  }
}
.underwriters img {
  max-height: 56px;
  width: auto;
  max-width: 100%;
  filter: grayscale(0.2);
  opacity: .92;
  transition: filter .15s ease, opacity .15s ease;
}
.underwriters img:hover { filter: none; opacity: 1; }

/* ---------- Forms ---------- */

.form-card {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
@media (min-width: 768px) { .form-card { padding: 36px; } }

.form {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 768px) { .form { grid-template-columns: 1fr 1fr; gap: 18px; } }

.form fieldset {
  border: none;
  margin: 0;
  padding: 0;
  grid-column: 1 / -1;
}
.form legend {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--brand-primary);
  margin-bottom: 12px;
  padding: 0;
}
.form fieldset .form-fields {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 768px) {
  .form fieldset .form-fields { grid-template-columns: 1fr 1fr; gap: 18px; }
}

.form-row,
.form-row--full { display: flex; flex-direction: column; gap: 6px; }
.form-row--full { grid-column: 1 / -1; }

.form-row label,
.form-row--full label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--brand-ink);
}
.form-row input,
.form-row select,
.form-row textarea,
.form-row--full input,
.form-row--full select,
.form-row--full textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--brand-ink);
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-sm);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.form-row textarea,
.form-row--full textarea {
  min-height: 140px;
  resize: vertical;
  line-height: 1.55;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus,
.form-row--full input:focus,
.form-row--full select:focus,
.form-row--full textarea:focus {
  outline: none;
  border-color: var(--brand-primary);
  box-shadow: 0 0 0 3px rgba(0, 48, 91, 0.15);
}
.form-row .hint,
.form-row--full .hint {
  font-size: 0.82rem;
  color: var(--brand-muted);
}

.form-disclaimer {
  grid-column: 1 / -1;
  font-size: 0.82rem;
  color: var(--brand-muted);
  background: var(--brand-bg-soft);
  border: 1px solid var(--brand-border);
  border-radius: var(--radius);
  padding: 14px 16px;
}

.form-submit-row {
  grid-column: 1 / -1;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
}
@media (min-width: 768px) {
  .form-submit-row { flex-direction: row; align-items: center; }
  .form-submit-row .btn { width: auto; }
}

.form-note {
  grid-column: 1 / -1;
  font-size: 0.85rem;
  color: var(--brand-muted);
  border-left: 3px solid var(--brand-secondary);
  background: var(--brand-bg-tint);
  padding: 10px 14px;
  border-radius: 6px;
}

/* ---------- Tables-as-cards (services) ---------- */

.split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  align-items: start;
}
@media (min-width: 900px) {
  .split { grid-template-columns: 1fr 1fr; gap: 40px; }
}
.split--lead { grid-template-columns: 1fr; }
@media (min-width: 900px) { .split--lead { grid-template-columns: 0.95fr 1.05fr; } }

/* ---------- Accordion (Home Owners FAQ) ---------- */

.accordion { display: flex; flex-direction: column; gap: 12px; }
.accordion details {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius);
  padding: 0;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.accordion summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 56px 18px 22px;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.08rem;
  color: var(--brand-primary);
  position: relative;
  min-height: 56px;
  display: flex;
  align-items: center;
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after {
  content: "";
  position: absolute;
  right: 22px;
  top: 50%;
  width: 14px;
  height: 14px;
  border-right: 2px solid var(--brand-primary);
  border-bottom: 2px solid var(--brand-primary);
  transform: translateY(-65%) rotate(45deg);
  transition: transform .2s ease;
}
.accordion details[open] summary::after {
  transform: translateY(-25%) rotate(-135deg);
}
.accordion .accordion__body {
  padding: 0 22px 22px;
}
.accordion .accordion__body p:last-child { margin-bottom: 0; }
.accordion .accordion__body ul { padding-left: 1.2em; }

/* ---------- JV-page conversion blocks ---------- */

.jv-hero-card {
  margin-top: 32px;
  background: #fff;
  border: 1px solid var(--brand-border);
  border-left: 4px solid var(--brand-accent);
  border-radius: var(--radius-lg);
  padding: 22px;
  box-shadow: var(--shadow-md);
}
.jv-hero-card h3 { color: var(--brand-primary); }
.jv-hero-card p:last-child { margin-bottom: 0; }

.respa-conditions {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
}
@media (min-width: 900px) { .respa-conditions { grid-template-columns: repeat(3, 1fr); gap: 24px; } }

.respa-conditions > li {
  background: #fff;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  margin-bottom: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: 0 8px 30px rgba(0,0,0,0.15);
}
.respa-condition__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  min-width: 56px;
  background: var(--brand-primary);
  color: #fff;
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 700;
  border-radius: 999px;
  margin: 0 auto 22px;
  box-shadow: 0 4px 12px rgba(0, 48, 91, 0.4);
}
.respa-condition__text {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--brand-ink);
  line-height: 1.6;
  letter-spacing: 0.04em;
  margin: 0;
  text-transform: uppercase;
}

/* ---------- Affiliated partners SEO accordion ---------- */

.affiliated-details {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-lg);
  margin-top: 32px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.affiliated-details summary {
  cursor: pointer;
  list-style: none;
  padding: 22px 24px;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--brand-primary);
  position: relative;
  min-height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.affiliated-details summary::-webkit-details-marker { display: none; }
.affiliated-details summary::after {
  content: "";
  flex-shrink: 0;
  width: 14px;
  height: 14px;
  border-right: 2px solid var(--brand-primary);
  border-bottom: 2px solid var(--brand-primary);
  transform: rotate(45deg);
  transition: transform .2s ease;
  margin-top: -4px;
}
.affiliated-details[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.affiliated-details summary span {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--brand-muted);
  font-family: var(--font-sans);
  margin-left: 8px;
}
.affiliated-details .affiliated-details__body {
  padding: 0 24px 28px;
}
.affiliated-details .affiliated-details__body > p {
  font-size: 0.9rem;
  color: var(--brand-muted);
  margin-bottom: 20px;
}

.partner-types {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 700px) { .partner-types { grid-template-columns: 1fr 1fr; gap: 20px; } }
@media (min-width: 1100px) { .partner-types { grid-template-columns: repeat(3, 1fr); gap: 24px; } }

.partner-types .card { display: flex; flex-direction: column; }
.partner-types .card .card__body { flex: 1; }

.video-frame {
  width: 100%;
  aspect-ratio: 16 / 9;
  background: linear-gradient(135deg, var(--brand-primary) 0%, #1a4a7a 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  text-align: center;
  padding: 24px;
  box-shadow: var(--shadow-md);
}
/* When the .video-frame IS the <video> element, strip the placeholder padding/flex so the video fills the box */
video.video-frame,
.video-frame--player {
  display: block;
  padding: 0;
  object-fit: cover;
  background: #000;
  overflow: hidden;
}
.video-frame .video-frame__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.video-frame__play {
  width: 76px;
  height: 76px;
  border-radius: 999px;
  background: rgba(255,255,255,.12);
  border: 2px solid rgba(255,255,255,.6);
  display: flex;
  align-items: center;
  justify-content: center;
}
.video-frame__play svg { width: 28px; height: 28px; }

.affiliated-strip {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (min-width: 700px)  { .affiliated-strip { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1100px) { .affiliated-strip { grid-template-columns: repeat(4, 1fr); gap: 20px; } }

.affiliated-card {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius);
  padding: 18px;
  text-align: center;
  font-size: 0.92rem;
}
.affiliated-card strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1rem;
  color: var(--brand-primary);
  margin-bottom: 6px;
}
.affiliated-card a {
  display: inline-block;
  margin-top: 8px;
  font-weight: 500;
  word-break: break-word;
}

.cta-band {
  background: var(--brand-primary);
  color: #fff;
  border-radius: var(--radius-xl);
  padding: 40px 24px;
  text-align: center;
}
@media (min-width: 768px) { .cta-band { padding: 56px 40px; } }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,0.85); }
.cta-band .btn-row { justify-content: center; margin-top: 8px; }

/* ---------- Image placeholder fallback ---------- */

.image-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  text-align: center;
  background: linear-gradient(135deg, var(--brand-primary-50) 0%, var(--brand-bg-soft) 100%);
  color: var(--brand-muted);
  font-size: 0.85rem;
  padding: 32px 20px;
  border: 1px dashed var(--brand-border);
  border-radius: var(--radius);
  width: 100%;
  height: 100%;
  min-height: 220px;
  font-family: var(--font-sans);
}
.image-placeholder strong {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--brand-primary);
  font-weight: 600;
  margin-bottom: 6px;
}
.image-placeholder small {
  font-size: 0.75rem;
  color: var(--brand-muted);
  margin-top: 6px;
  letter-spacing: 0.04em;
}

/* ---------- Contact tiles ---------- */

.contact-tiles {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 700px)  { .contact-tiles { grid-template-columns: 1fr 1fr; gap: 20px; } }
@media (min-width: 1024px) { .contact-tiles { grid-template-columns: repeat(3, 1fr); gap: 24px; } }

.contact-tile {
  background: #fff;
  border: 1px solid var(--brand-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.contact-tile__label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brand-muted);
  margin-bottom: 8px;
}
.contact-tile__value {
  font-family: var(--font-serif);
  font-size: 1.18rem;
  font-weight: 600;
  color: var(--brand-primary);
  margin-bottom: 6px;
  word-break: break-word;
}
.contact-tile__value a { color: inherit; text-decoration: none; }
.contact-tile__value a:hover { text-decoration: underline; }
.contact-tile__sub { font-size: 0.92rem; color: var(--brand-muted); }
.contact-tile__sub a { color: var(--brand-primary); }

/* ---------- "Let's go" CTA strip with bg image ---------- */

.cta-strip {
  position: relative;
  min-height: 360px;
  background: var(--brand-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 56px 20px;
  overflow: hidden;
}
@media (min-width: 768px) { .cta-strip { min-height: 420px; padding: 80px 32px; } }
.cta-strip__bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
  opacity: 0.55;
}
.cta-strip::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0,33,69,0.65) 0%, rgba(0,48,91,0.85) 100%);
  z-index: 1;
}
.cta-strip__inner {
  position: relative;
  z-index: 2;
  max-width: 720px;
  margin: 0 auto;
  color: #fff;
}
.cta-strip__title {
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 6vw + 1rem, 5rem);
  letter-spacing: 0.04em;
  color: #fff;
  margin: 0 0 24px;
  font-weight: 500;
}
.cta-strip .lead { color: rgba(255,255,255,0.85) !important; }
.cta-strip .btn--ghost { color: #fff; border-color: rgba(255,255,255,0.4); }
.cta-strip .btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,0.06); }

/* ---------- Two-up overlay (Home Owners hero) ---------- */

.dual-card-hero {
  position: relative;
  background: var(--brand-primary);
  overflow: hidden;
  padding-block: 0;
}
.dual-card-hero__media {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.dual-card-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0,33,69,0.40) 0%, rgba(0,21,48,0.65) 100%);
  z-index: 1;
}
.dual-card-hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  padding-block: 56px;
}
@media (min-width: 900px) {
  .dual-card-hero__grid { grid-template-columns: 1fr 1fr; gap: 32px; padding-block: 96px; }
}
.dual-card {
  background: rgba(255,255,255,0.95);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.dual-card h2 {
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: clamp(1.5rem, 2vw + 0.75rem, 2rem);
  text-align: center;
  margin-bottom: 16px;
}
.dual-card p { color: var(--brand-ink); }
.dual-card ul { color: var(--brand-ink); }

/* ---------- Address tiles ---------- */

.address-band {
  background: var(--brand-secondary-200);
  padding: 32px 0;
}
.address-band__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 768px) { .address-band__grid { grid-template-columns: 1fr 1fr 1fr; gap: 32px; } }
.address-tile h3 {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brand-primary);
  margin-bottom: 8px;
}
.address-tile address {
  font-style: normal;
  font-size: 0.95rem;
  color: var(--brand-ink);
  line-height: 1.6;
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--brand-primary);
  color: rgba(255,255,255,0.85);
  padding: 56px 0 28px;
  margin-top: 80px;
}
.site-footer h2,
.site-footer h3 { color: #fff; }
.site-footer__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 768px)  { .site-footer__grid { grid-template-columns: 1.2fr 1fr 1fr; gap: 40px; } }
@media (min-width: 1100px) { .site-footer__grid { grid-template-columns: 1.2fr 1fr 1fr 1fr; } }

.site-footer__brand {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: #fff;
  margin-bottom: 8px;
}
.site-footer p { color: rgba(255,255,255,0.85); }
.site-footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.site-footer a {
  color: #fff;
  text-decoration: none;
  text-decoration-color: rgba(255,255,255,.35);
}
.site-footer a:hover { text-decoration: underline; }
.site-footer__bottom {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.15);
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
}

/* ---------- Utility ---------- */

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

.stack > * + * { margin-top: 1rem; }
.stack-lg > * + * { margin-top: 1.5rem; }

/* ---------- Reduced motion ---------- */

@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;
  }
}