/* ==========================================================================
   GREEN BAY INSURANCE SERVICES — v2 Stylesheet
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700;800;900&family=Open+Sans:ital,wght@0,400;0,600;1,400&display=swap');

/* --------------------------------------------------------------------------
   CSS VARIABLES
   -------------------------------------------------------------------------- */
:root {
    --green:       #004225;
    --green-dark:  #002d18;
    --green-mid:   #005c34;
    --gold:        #FFB81C;
    --gold-dark:   #e0a318;
    --cream:       #F8F5EE;
    --white:       #ffffff;
    --gray-light:  #F3F3F1;
    --text:        #1C1C1C;
    --text-mid:    #555555;
    --text-light:  #888888;
    --border:      #E0E0E0;
    --radius:      8px;
    --radius-sm:   5px;
    --shadow:      0 4px 20px rgba(0,0,0,0.07);
    --shadow-lg:   0 12px 40px rgba(0,0,0,0.13);
    --transition:  all 0.3s ease;
    --font-head:   'Montserrat', 'Helvetica Neue', Arial, sans-serif;
    --font-body:   'Open Sans', 'Helvetica Neue', Arial, sans-serif;
    --max-width:   1200px;
}

/* --------------------------------------------------------------------------
   RESET & BASE
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
    font-family: var(--font-body);
    background: var(--white);
    color: var(--text);
    font-size: 16px;
    line-height: 1.75;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
    font-family: var(--font-head);
    color: var(--green);
    line-height: 1.2;
}

h1 { font-size: clamp(2rem, 5vw, 3.6rem); font-weight: 900; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 800; margin-bottom: 1rem; }
h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 0.4rem; }

p { margin-bottom: 1rem; color: var(--text-mid); }
p:last-child { margin-bottom: 0; }
a { text-decoration: none; transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

/* --------------------------------------------------------------------------
   LAYOUT UTILITIES
   -------------------------------------------------------------------------- */
.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 28px;
}

.section { padding: 88px 0; }
.section--sm { padding: 60px 0; }
.section--cream { background: var(--cream); }
.section--gray  { background: var(--gray-light); }
.section--green { background: var(--green); }
.section--green h2 { color: var(--gold); }
.section--green p  { color: rgba(255,255,255,0.82); margin-bottom: 0; }

.section-header {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 60px;
}
.section-header p { font-size: 1.05rem; }

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */
#mainHeader {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 3px solid var(--green);
    box-shadow: 0 2px 16px rgba(0,0,0,0.07);
    transition: var(--transition);
}

.header-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 96px;
    transition: var(--transition);
}

#mainHeader.shrink .header-inner { min-height: 68px; }

.logo img {
    height: 68px;
    width: auto;
    transition: var(--transition);
}
#mainHeader.shrink .logo img { height: 50px; }

#nav-menu ul {
    display: flex;
    align-items: center;
    gap: 4px;
}

#nav-menu ul li a {
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 0.78rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--green);
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    display: block;
}
#nav-menu ul li a:hover { background: var(--cream); }

.nav-call-btn {
    background: var(--green) !important;
    color: var(--white) !important;
    padding: 10px 18px !important;
    border-radius: var(--radius-sm) !important;
    font-weight: 800 !important;
    margin-left: 8px;
    white-space: nowrap;
}
.nav-call-btn:hover { background: var(--green-dark) !important; }

/* Dropdown */
.dropdown { position: relative; }

.dropdown-content {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    min-width: 210px;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg);
    border-top: 3px solid var(--gold);
    z-index: 1001;
    overflow: hidden;
    padding-top: 0;
}
.dropdown::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 0;
    width: 100%;
    height: 8px;
}
.dropdown:hover .dropdown-content { display: block; }

.dropdown-content a {
    padding: 13px 20px !important;
    border-bottom: 1px solid var(--border);
    font-size: 0.82rem !important;
    border-radius: 0 !important;
    background: none !important;
    color: var(--green) !important;
}
.dropdown-content a:hover { background: var(--cream) !important; }
.dropdown-content a:last-child { border-bottom: none; }

/* Mobile hamburger */
.menu-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 5px;
    padding: 8px;
    border-radius: var(--radius-sm);
}
.menu-toggle span {
    width: 26px;
    height: 3px;
    background: var(--green);
    border-radius: 2px;
    transition: var(--transition);
    display: block;
}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero {
    background: var(--green);
    background-image: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 55%, var(--green-mid) 100%);
    color: var(--white);
    padding: 100px 28px 80px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(255,184,28,0.06) 0%, transparent 65%);
    pointer-events: none;
}

/* Clean bottom edge on hero */
.hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 5px;
    background: var(--gold);
}

.hero--fade-green::after {
    background: var(--gold);
}

.hero h1 {
    color: var(--white);
    margin-bottom: 18px;
    max-width: 860px;
    margin-left: auto;
    margin-right: auto;
}

.hero .hero-eyebrow {
    font-family: var(--font-head);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
}

.hero p {
    color: rgba(255,255,255,0.83);
    font-size: 1.15rem;
    max-width: 640px;
    margin: 0 auto 36px;
}

.hero-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

/* Sub-page hero (shorter) */
.hero--sub {
    padding: 80px 28px 64px;
}
.hero--sub h1 { font-size: clamp(1.7rem, 4vw, 2.6rem); }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn,
.cta-button,
.cta-button-gold,
.cta-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: var(--font-head);
    font-weight: 800;
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    border-radius: var(--radius-sm);
    padding: 14px 30px;
    transition: var(--transition);
    cursor: pointer;
    border: none;
    text-decoration: none;
}

.btn-gold, .cta-button, .cta-button-gold {
    background: var(--gold);
    color: var(--green) !important;
}
.btn-gold:hover, .cta-button:hover, .cta-button-gold:hover {
    background: var(--gold-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.18);
}

.btn-outline, .cta-outline {
    background: transparent;
    color: var(--white) !important;
    border: 2px solid rgba(255,255,255,0.65);
}
.btn-outline:hover, .cta-outline:hover {
    background: rgba(255,255,255,0.12);
    border-color: var(--white);
}

.btn-green {
    background: var(--green);
    color: var(--white) !important;
}
.btn-green:hover {
    background: var(--green-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

/* ==========================================================================
   STATS BAR
   ========================================================================== */
.stats-bar {
    background: var(--white);
    padding: 0 28px 72px;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    background: var(--border);
    gap: 2px;
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    max-width: var(--max-width);
    margin: 0 auto;
}

.stat-item {
    background: var(--white);
    padding: 34px 20px;
    text-align: center;
}

.stat-number {
    font-family: var(--font-head);
    font-size: 2.6rem;
    font-weight: 900;
    color: var(--green);
    line-height: 1;
    margin-bottom: 8px;
}
.stat-number sup {
    font-size: 1.4rem;
    color: var(--gold);
}

.stat-label {
    font-family: var(--font-head);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-light);
}

/* ==========================================================================
   CARD GRID
   ========================================================================== */
.card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 28px;
}
.card-grid--2 { grid-template-columns: repeat(auto-fit, minmax(360px, 1fr)); }
.card-grid--3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card-grid--4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

/* Standard card */
.card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 32px 28px;
    border-top: 5px solid var(--gold);
    transition: var(--transition);
}
.card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.card-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--green), var(--green-mid));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    font-size: 1.3rem;
    color: var(--gold);
}

.card h3 {
    color: var(--green);
    font-size: 1.05rem;
    font-weight: 800;
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 4px;
}

.card .card-sub {
    font-size: 0.74rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--gold-dark);
    margin-bottom: 12px;
}

.card p {
    font-size: 0.93rem;
    line-height: 1.7;
    color: var(--text-mid);
    margin: 0;
    text-transform: none;
    letter-spacing: 0;
    font-weight: 400;
}

/* Large service cards (homepage 2-up) */
.service-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 52px 44px;
    text-align: center;
    border-top: 6px solid var(--gold);
    transition: var(--transition);
}
.service-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 56px rgba(0,0,0,0.13);
}

.service-card-icon {
    width: 80px;
    height: 80px;
    background: var(--cream);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    font-size: 2rem;
    color: var(--green);
}

.service-card h3 {
    font-size: 1.5rem;
    font-weight: 900;
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 10px;
}

.service-card p {
    font-size: 1rem;
    margin-bottom: 28px;
    line-height: 1.7;
}

/* ==========================================================================
   WHY INDEPENDENT SECTION
   ========================================================================== */
.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 32px;
    margin-top: 56px;
}

.why-item { text-align: center; padding: 16px; }

.why-icon {
    width: 72px;
    height: 72px;
    background: rgba(255,184,28,0.12);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.7rem;
    color: var(--gold);
    border: 2px solid rgba(255,184,28,0.2);
}

.why-item h3 {
    color: var(--white);
    font-size: 1.05rem;
    margin-bottom: 10px;
}
.why-item p {
    color: rgba(255,255,255,0.75);
    font-size: 0.93rem;
}

/* ==========================================================================
   HIGHLIGHT BOX (left-border feature block)
   ========================================================================== */
.highlight-box {
    background: var(--white);
    border-radius: var(--radius);
    border-left: 8px solid var(--green);
    padding: 48px 44px;
    box-shadow: var(--shadow);
    margin: 72px 0;
}

.highlight-box h2 { color: var(--green); margin-bottom: 18px; }
.highlight-box p {
    font-size: 1.02rem;
    line-height: 1.85;
    color: var(--text);
    margin-bottom: 14px;
}

.highlight-phone {
    font-family: var(--font-head);
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--green);
    margin-top: 20px;
    margin-bottom: 0 !important;
}

/* ==========================================================================
   HOW IT WORKS (3-step)
   ========================================================================== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 28px;
}

.step {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px 28px;
    text-align: center;
    border-top: none;
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}
.step::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--green), var(--green-mid));
}
.step:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.step-number {
    font-family: var(--font-head);
    font-size: 3rem;
    font-weight: 900;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 14px;
}
.step h3 { color: var(--green); font-size: 1.05rem; margin-bottom: 8px; }
.step p { font-size: 0.92rem; color: var(--text-mid); }

/* ==========================================================================
   INDUSTRIES GRID
   ========================================================================== */
.industry-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(175px, 1fr));
    gap: 20px;
}

.industry-item {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 18px;
    text-align: center;
    border-top: none;
    border-bottom: 3px solid var(--green);
    box-shadow: 0 2px 12px rgba(0,0,0,0.06);
    transition: var(--transition);
}
.industry-item:hover { transform: translateY(-2px); box-shadow: var(--shadow); }

.industry-icon {
    font-size: 1.8rem;
    color: var(--green);
    margin-bottom: 10px;
}

.industry-item strong {
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 0.88rem;
    color: var(--green);
    text-transform: none;
    letter-spacing: 0;
    display: block;
}

/* ==========================================================================
   TEAM CARDS
   ========================================================================== */
.team-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.team-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: 0 2px 12px rgba(0,0,0,0.06);
    padding: 28px 20px;
    text-align: center;
    border-top: none;
    border-left: 4px solid var(--green);
    transition: var(--transition);
}
.team-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }

.team-avatar {
    width: 76px;
    height: 76px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--green), var(--green-mid));
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-family: var(--font-head);
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--gold);
    overflow: hidden;
}
.team-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 50%;
}

.team-card h3 {
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--green);
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 4px;
}
.team-card p {
    font-size: 0.78rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-light);
}

/* ==========================================================================
   TIMELINE
   ========================================================================== */
.timeline-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
    margin: 56px 0;
}

.timeline-row::before {
    content: '';
    position: absolute;
    top: 80px;
    left: 12.5%;
    right: 12.5%;
    height: 3px;
    background: var(--border);
    z-index: 0;
}

.timeline-node {
    text-align: center;
    position: relative;
    z-index: 1;
    padding: 0 12px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.timeline-node-logo {
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 10px;
}

.timeline-node-logo img {
    max-height: 56px;
    width: auto;
    object-fit: contain;
}

.timeline-dot {
    width: 22px;
    height: 22px;
    background: var(--green);
    border-radius: 50%;
    margin: 0 auto 18px;
    border: 3px solid var(--white);
    box-shadow: 0 0 0 3px var(--green);
    position: relative;
    z-index: 2;
    flex-shrink: 0;
}

.timeline-node.tl-current .timeline-dot {
    background: var(--gold);
    box-shadow: 0 0 0 3px var(--gold);
    width: 28px;
    height: 28px;
}

.timeline-node img {
    height: 56px;
    margin: 0 auto 10px;
    object-fit: contain;
}

.timeline-year {
    font-family: var(--font-head);
    font-size: 1.5rem;
    font-weight: 900;
    color: var(--green);
    margin-bottom: 6px;
}
.timeline-node.tl-current .timeline-year { color: var(--gold-dark); }

.timeline-label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--text-mid);
    line-height: 1.4;
}

/* ==========================================================================
   WELCOME BANNER
   ========================================================================== */
.welcome-banner {
    background: var(--green);
    padding: 56px 28px;
    text-align: center;
}
.welcome-banner h2 { color: var(--gold); margin-bottom: 14px; }
.welcome-banner p {
    color: rgba(255,255,255,0.88);
    font-size: 1.08rem;
    max-width: 820px;
    margin: 0 auto;
}

/* ==========================================================================
   MAP
   ========================================================================== */
.map-container iframe {
    width: 100%;
    height: 420px;
    border: 0;
    border-radius: var(--radius);
    display: block;
}

/* ==========================================================================
   CONTACT PAGE
   ========================================================================== */
.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: start;
}

.contact-detail {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 28px;
}

.contact-detail-icon {
    width: 46px;
    height: 46px;
    background: var(--cream);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: var(--green);
    flex-shrink: 0;
}

.contact-detail h4 {
    font-family: var(--font-head);
    font-size: 0.72rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-light);
    margin-bottom: 4px;
}

.contact-detail-body {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text);
    line-height: 1.5;
}

.contact-detail-body a {
    color: var(--green);
    font-size: 1.2rem;
    font-weight: 700;
}
.contact-detail-body a:hover { color: var(--gold-dark); }

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-list { max-width: 840px; margin: 0 auto; }

.faq-item {
    background: var(--white);
    border-radius: var(--radius);
    margin-bottom: 10px;
    box-shadow: var(--shadow);
    overflow: hidden;
    border: 1px solid var(--border);
}

.faq-question {
    padding: 20px 26px;
    cursor: pointer;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 0.97rem;
    color: var(--green);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 14px;
    transition: var(--transition);
    user-select: none;
}
.faq-question:hover { background: var(--cream); }

.faq-icon {
    width: 26px;
    height: 26px;
    background: var(--green);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    flex-shrink: 0;
    transition: var(--transition);
}

.faq-item.active .faq-icon {
    background: var(--gold);
    color: var(--green);
    transform: rotate(45deg);
}

.faq-answer {
    display: none;
    padding: 16px 26px 22px;
    color: var(--text-mid);
    font-size: 0.95rem;
    line-height: 1.8;
    border-top: 1px solid var(--border);
}
.faq-answer p { margin-bottom: 0; }

/* ==========================================================================
   CTA BANNER (Green)
   ========================================================================== */
.cta-banner, .union-box {
    background: var(--green);
    background-image: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 60%, var(--green-mid) 100%);
    padding: 80px 28px;
    text-align: center;
    border-top: 6px solid var(--gold);
}
.cta-banner h2, .union-box h2 { color: var(--gold); margin-bottom: 14px; }
.cta-banner p, .union-box p {
    color: rgba(255,255,255,0.84);
    font-size: 1.05rem;
    max-width: 580px;
    margin: 0 auto 30px;
}

/* Top CTA layout (side-by-side form at top of service pages) */
.top-cta-layout {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 48px;
    align-items: start;
}
.top-cta-text h2 { margin-bottom: 14px; }
.top-cta-text p { font-size: 1rem; line-height: 1.7; color: var(--text-mid); }

/* --- Upgraded top form card --- */
.top-form-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: 0 8px 32px rgba(0,0,0,0.10);
    overflow: hidden;
    position: relative;
}
.top-form-header {
    background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
    padding: 22px 32px;
    display: flex;
    align-items: center;
    gap: 14px;
}
.top-form-header-icon {
    width: 44px;
    height: 44px;
    background: rgba(255,184,28,0.18);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: var(--gold);
    flex-shrink: 0;
}
.top-form-header h3 {
    color: var(--white);
    font-size: 1.05rem;
    font-weight: 800;
    margin: 0;
    letter-spacing: 0.01em;
}
.top-form-header p {
    color: rgba(255,255,255,0.6);
    font-size: 0.78rem;
    margin: 2px 0 0;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}
.top-form-body {
    padding: 28px 32px 32px;
}
.top-form-body .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}
.top-form-body .form-full {
    margin-bottom: 16px;
}
.top-form-body label {
    display: block;
    font-family: var(--font-head);
    font-size: 0.72rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-mid);
    margin-bottom: 6px;
}
.top-form-body input,
.top-form-body select,
.top-form-body textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text);
    background: var(--gray-light);
    transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.top-form-body input:focus,
.top-form-body select:focus,
.top-form-body textarea:focus {
    outline: none;
    border-color: var(--green);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(0,66,37,0.08);
}
.top-form-body input::placeholder,
.top-form-body textarea::placeholder {
    color: var(--text-light);
}
.top-form-body textarea {
    min-height: 80px;
    resize: vertical;
}
.top-form-body select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%23888' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}
.top-form-submit {
    width: 100%;
    padding: 15px;
    font-size: 0.88rem;
    margin-top: 4px;
    position: relative;
}
.top-form-trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 14px;
    font-size: 0.76rem;
    color: var(--text-light);
    font-weight: 600;
}
.top-form-trust i {
    color: var(--green);
    font-size: 0.82rem;
}

@media (max-width: 768px) {
    .top-cta-layout { grid-template-columns: 1fr; gap: 28px; }
    .top-form-body .form-row { grid-template-columns: 1fr; }
    .top-form-header { padding: 18px 22px; }
    .top-form-body { padding: 22px; }
}

/* --------------------------------------------------------------------------
   INLINE CTA FORM (compact form in CTA banners)
   -------------------------------------------------------------------------- */
.cta-form-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
    max-width: var(--max-width);
    margin: 0 auto;
    text-align: left;
}
.cta-form-layout h2 { color: var(--gold); margin-bottom: 14px; }
.cta-form-layout p { color: rgba(255,255,255,0.84); font-size: 1.05rem; margin-bottom: 20px; }
.cta-form-layout .cta-form-phone {
    font-family: var(--font-head);
    font-size: 0.88rem;
    color: rgba(255,255,255,0.5);
    margin-top: 18px;
}
.cta-form-layout .cta-form-phone a {
    color: var(--gold);
    font-weight: 700;
    font-size: 1.1rem;
}

.cta-inline-form {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius);
    padding: 32px;
}
.cta-inline-form h3 {
    color: var(--white);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 18px;
    text-transform: none;
}
.cta-inline-form .form-row-compact {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 10px;
}
.cta-inline-form input,
.cta-inline-form select,
.cta-inline-form textarea {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.88rem;
    color: var(--white);
    background: rgba(255,255,255,0.06);
    transition: border-color 0.2s ease;
}
.cta-inline-form input::placeholder,
.cta-inline-form textarea::placeholder {
    color: rgba(255,255,255,0.4);
}
.cta-inline-form input:focus,
.cta-inline-form select:focus,
.cta-inline-form textarea:focus {
    outline: none;
    border-color: var(--gold);
    background: rgba(255,255,255,0.1);
}
.cta-inline-form select { color: rgba(255,255,255,0.6); }
.cta-inline-form select option { color: var(--text); background: var(--white); }
.cta-inline-form textarea { min-height: 70px; resize: vertical; margin-bottom: 10px; }
.cta-inline-form button {
    width: 100%;
    margin-top: 4px;
}
.cta-inline-form .form-note {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.35);
    margin-top: 10px;
    text-align: center;
}

@media (max-width: 768px) {
    .cta-form-layout {
        grid-template-columns: 1fr;
        gap: 32px;
        text-align: center;
    }
    .cta-inline-form .form-row-compact {
        grid-template-columns: 1fr;
    }
}

/* ==========================================================================
   CARRIERS
   ========================================================================== */
.carrier-section {
    background: var(--gray-light);
    padding: 70px 28px;
}

.carrier-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 40px;
    max-width: 1000px;
    margin: 0 auto;
}
.carrier-grid img {
    height: 40px;
    width: auto;
    filter: grayscale(100%);
    opacity: 0.55;
    transition: var(--transition);
}
.carrier-grid img:hover {
    filter: grayscale(0%);
    opacity: 1;
    transform: scale(1.06);
}

/* Full carrier page grid */
.carriers-page-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(175px, 1fr));
    gap: 20px;
    max-width: var(--max-width);
    margin: 0 auto;
}

.carrier-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    padding: 28px 18px;
    text-align: center;
    transition: var(--transition);
    border: 1px solid var(--border);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
}
.carrier-card:hover {
    border-color: var(--green);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

.carrier-card img {
    height: 46px;
    object-fit: contain;
    filter: grayscale(20%);
    transition: var(--transition);
}
.carrier-card:hover img { filter: grayscale(0%); }

.carrier-card .carrier-placeholder {
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-head);
    font-size: 1.3rem;
    font-weight: 900;
    color: var(--green);
    opacity: 0.5;
}

.carrier-card span {
    font-family: var(--font-head);
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--text-mid);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
footer {
    background: #111111;
    padding: 64px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 48px;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 28px 56px;
}

.footer-brand img {
    height: 44px;
    filter: brightness(0) invert(1);
    opacity: 0.85;
    margin-bottom: 18px;
}

.footer-brand p {
    font-size: 0.88rem;
    line-height: 1.75;
    color: rgba(255,255,255,0.5);
    margin-bottom: 22px;
}

.footer-socials { display: flex; gap: 12px; }
.footer-socials a {
    width: 38px;
    height: 38px;
    background: rgba(255,255,255,0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.55);
    font-size: 0.95rem;
    transition: var(--transition);
}
.footer-socials a:hover { background: var(--gold); color: var(--green); }

.footer-col h4 {
    font-family: var(--font-head);
    font-size: 0.72rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--white);
    margin-bottom: 20px;
}

.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
    color: rgba(255,255,255,0.55);
    font-size: 0.88rem;
    transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--gold); }

.footer-phone-link {
    display: block;
    font-family: var(--font-head);
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--white) !important;
    margin-bottom: 10px;
}
.footer-phone-link:hover { color: var(--gold) !important; }

.footer-address {
    font-size: 0.86rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 8px;
}

.footer-hours {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.38);
    line-height: 1.6;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 22px 28px;
    max-width: var(--max-width);
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.78rem;
    color: rgba(255,255,255,0.3);
    flex-wrap: wrap;
    gap: 10px;
}

/* ==========================================================================
   MOBILE STICKY CTA
   ========================================================================== */
.mobile-only-cta {
    position: fixed;
    bottom: 0; left: 0; width: 100%;
    background: var(--gold);
    color: var(--green) !important;
    text-align: center;
    padding: 16px;
    font-family: var(--font-head);
    font-weight: 800;
    font-size: 0.95rem;
    z-index: 1001;
    text-decoration: none;
    letter-spacing: 0.04em;
    display: none;
}

/* ==========================================================================
   VALUES / ABOUT PAGE
   ========================================================================== */
.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 28px;
    margin-top: 20px;
}

.value-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 36px 28px;
    box-shadow: var(--shadow);
    border-left: 5px solid var(--gold);
    transition: var(--transition);
}
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.value-card h3 {
    color: var(--green);
    font-size: 1rem;
    font-weight: 800;
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 10px;
}

.value-card p {
    font-size: 0.93rem;
    color: var(--text-mid);
    line-height: 1.7;
}

/* History cards on About page */
.history-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 44px 40px;
    box-shadow: var(--shadow);
    border-top: none;
    border-left: 6px solid var(--gold);
}

.history-card .history-logo {
    height: 72px;
    margin-bottom: 20px;
    object-fit: contain;
}

.history-card h3 {
    color: var(--green);
    font-size: 1.2rem;
    font-weight: 900;
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 4px;
}

.history-card .est {
    font-family: var(--font-head);
    font-size: 0.74rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold-dark);
    margin-bottom: 16px;
}

.history-card p {
    font-size: 0.95rem;
    line-height: 1.8;
    color: var(--text-mid);
}

/* Team section header */
.team-section-header {
    display: flex;
    align-items: center;
    gap: 18px;
    margin: 72px 0 32px;
}

.team-section-header::after {
    content: '';
    flex: 1;
    height: 2px;
    background: var(--border);
}

.team-section-header h2 {
    white-space: nowrap;
    margin: 0;
    font-size: 1.5rem;
}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 960px) {
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: 1 / -1; }
    .timeline-row { grid-template-columns: repeat(2, 1fr); gap: 28px; }
    .timeline-row::before { display: none; }
    .contact-layout { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .header-inner { padding: 0 18px; min-height: 72px; }
    .logo img { height: 50px; }

    .menu-toggle { display: flex; }

    #nav-menu {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: var(--white);
        border-bottom: 4px solid var(--gold);
        box-shadow: 0 8px 24px rgba(0,0,0,0.1);
        z-index: 999;
    }
    #nav-menu.active { display: block; }
    #nav-menu ul {
        flex-direction: column;
        gap: 0;
        padding: 6px 0;
    }
    #nav-menu ul li a {
        padding: 15px 22px;
        border-bottom: 1px solid var(--border);
        border-radius: 0;
        font-size: 0.88rem;
    }
    .nav-call-btn {
        margin: 10px 18px 14px !important;
        text-align: center;
        border-radius: var(--radius-sm) !important;
    }

    .dropdown-content {
        position: static;
        box-shadow: none;
        border-top: none;
        border-left: 4px solid var(--gold);
        margin-left: 22px;
        border-radius: 0;
        display: none;
    }
    .dropdown.active .dropdown-content { display: block; }

    .hero { padding: 80px 22px 64px; }
    .hero--sub { padding: 64px 22px 48px; }
    .hero-btns { flex-direction: column; align-items: center; }
    .hero-btns a, .hero-btns .btn { width: 100%; max-width: 290px; }

    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-number { font-size: 2rem; }

    .card-grid, .card-grid--2, .card-grid--3, .card-grid--4 { grid-template-columns: 1fr; }
    .service-card { padding: 36px 26px; }
    .highlight-box { padding: 30px 24px; }
    .team-grid { grid-template-columns: repeat(3, 1fr); }
    .industry-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .values-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .mobile-only-cta { display: block; }

    .timeline-row { grid-template-columns: 1fr 1fr; gap: 20px; }
    .timeline-row::before { display: none; }
    .carriers-page-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
    .team-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .industry-grid { grid-template-columns: 1fr; }
    .timeline-row { grid-template-columns: 1fr; }
    .carriers-page-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ==========================================================================
   LEGACY DOMAIN WELCOME BANNER (dciwi.com / vuw4ins.com arrivals)
   ========================================================================== */
.legacy-banner {
    background: var(--green);
    background-image: linear-gradient(135deg, var(--green-dark) 0%, var(--green-mid) 100%);
    border-bottom: 4px solid var(--gold);
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.4s ease;
}
.legacy-banner.show { max-height: 200px; }

.legacy-banner-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 16px 28px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.legacy-banner-inner i.legacy-check {
    color: var(--gold);
    font-size: 1.3rem;
    flex-shrink: 0;
}

.legacy-banner-inner p {
    color: var(--white);
    font-size: 0.92rem;
    margin: 0;
    flex: 1;
    line-height: 1.5;
}
.legacy-banner-inner p strong { color: var(--gold); }

.legacy-banner-close {
    background: rgba(255,255,255,0.12);
    border: none;
    color: var(--white);
    width: 28px;
    height: 28px;
    border-radius: 50%;
    font-size: 1.1rem;
    line-height: 1;
    cursor: pointer;
    flex-shrink: 0;
    transition: var(--transition);
}
.legacy-banner-close:hover { background: var(--gold); color: var(--green); }

@media (max-width: 600px) {
    .legacy-banner-inner { padding: 14px 18px; align-items: flex-start; }
    .legacy-banner-inner p { font-size: 0.85rem; }
}