@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@400;500;600;700&family=Inter:wght@300;400;500;600&display=swap');

:root {
    --navy: #032a63;
    --navy-dark: #021a3d;
    --teal: #011f56;
    --teal-dark: #012057;
    --text: #334155;
    --text-muted: #333;
    --bg-light: #f8fafc;
    --radius: 16px;
    --shadow: 0 10px 40px rgba(3, 42, 99, 0.06);
    --shadow-hover: 0 20px 50px rgba(3, 42, 99, 0.12);
    --transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
    
    /* Bootstrap Overrides */
    --bs-body-font-family: 'Inter', sans-serif;
    --bs-body-bg: #f8fafc;
    --bs-body-color: #334155;
    --bs-primary: #00a79d;
}

body { -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4, h5, h6 { font-family: 'Outfit', sans-serif; font-weight: 600; color: var(--navy-dark); letter-spacing: -0.02em; }
a { color: var(--teal); transition: var(--transition); text-decoration:none; }
a:hover { color: var(--navy); }
p { font-size: 1.05rem; line-height: 1.7; }
.lead { color: rgba(255,255,255,0.85); font-size: 1.35rem; font-weight: 400; line-height: 1.7; }

/*--------------------------------------------------------------
# Global Header
--------------------------------------------------------------*/
.header {
  --background-color: #ffffff;
  color: var(--default-color);
  transition: all 0.5s;
  z-index: 997;
  background-color: var(--background-color);
}

.header .topbar {
  background-color: var(--accent-color);
  height: 40px;
  padding: 0;
  font-size: 14px;
  transition: all 0.5s;
}

.header .topbar .contact-info i {
  font-style: normal;
  color: var(--contrast-color);
}

.header .topbar .contact-info i a,
.header .topbar .contact-info i span {
  padding-left: 5px;
  color: var(--contrast-color);
}

@media (max-width: 575px) {

  .header .topbar .contact-info i a,
  .header .topbar .contact-info i span {
    font-size: 13px;
  }
}

.header .topbar .contact-info i a {
  line-height: 0;
  transition: 0.3s;
}

.header .topbar .contact-info i a:hover {
  color: var(--contrast-color);
  text-decoration: underline;
}

.header .topbar .social-links a {
  color: color-mix(in srgb, var(--contrast-color), transparent 40%);
  line-height: 0;
  transition: 0.3s;
  margin-left: 20px;
}

.header .topbar .social-links a:hover {
  color: var(--contrast-color);
}

.header .branding {
  min-height: 60px;
}

.header .logo {
  line-height: 1;
}

.header .logo img {
  max-height: 90px;
  margin-right: 8px;
}

.header .logo h1 {
  font-size: 30px;
  margin: 0;
  font-weight: 700;
  color: var(--heading-color);
}

.scrolled .header {
  box-shadow: 0px 0 18px rgba(0, 0, 0, 0.1);
}

.scrolled .header .topbar {
  height: 0;
  visibility: hidden;
  overflow: hidden;
}

/*--------------------------------------------------------------
# Navigation Menu
--------------------------------------------------------------*/
/* Desktop Navigation */
@media (min-width: 1200px) {
  .navmenu {
    padding: 0;
  }

  .navmenu ul {
    margin: 0;
    padding: 0;
    display: flex;
    list-style: none;
    align-items: center;
  }

  .navmenu li {
    position: relative;
  }

  .navmenu>ul>li {
    white-space: nowrap;
    padding: 15px 14px;
  }

  .navmenu>ul>li:last-child {
    padding-right: 0;
  }

  .navmenu a,
  .navmenu a:focus {
    color: #333;
    font-size: 14px;
    padding: 0 2px;
    font-weight: 600;
    display: flex;
    align-items: center;
    justify-content: space-between;
    white-space: nowrap;
    transition: 0.3s;
    position: relative;
  }

  .navmenu a i,
  .navmenu a:focus i {
    font-size: 12px;
    line-height: 0;
    margin-left: 5px;
    transition: 0.3s;
  }

  .navmenu>ul>li>a:before {
    content: "";
    position: absolute;
    width: 100%;
    height: 2px;
    bottom: -6px;
    left: 0;
    background-color: var(--teal);
    visibility: hidden;
    width: 0px;
    transition: all 0.3s ease-in-out 0s;
  }

  .navmenu a:hover:before,
  .navmenu li:hover>a:before,
  .navmenu .active:before {
    visibility: visible;
    width: 100%;
  }

  .navmenu li:hover>a,
  .navmenu .active,
  .navmenu .active:focus {
    color: var(--teal);
  }

  .navmenu .dropdown ul {
    margin: 0;
    padding: 10px 0;
    background: #fff;
    display: block;
    position: absolute;
    visibility: hidden;
    left: 14px;
    top: 130%;
    opacity: 0;
    transition: 0.3s;
    border-radius: 4px;
    z-index: 99;
    box-shadow: 0px 0px 30px rgba(0, 0, 0, 0.1);
  }

  .navmenu .dropdown ul li {
    min-width: 200px;
  }

  .navmenu .dropdown ul a {
    padding: 9px 20px;
    font-size: 13px;
    text-transform: none;
  }

  .navmenu .dropdown ul a i {
    font-size: 12px;
  }

  .navmenu .dropdown ul a:hover,
  .navmenu .dropdown ul .active:hover,
  .navmenu .dropdown ul li:hover>a {
    color: var(--nav-dropdown-hover-color);
  }

  .navmenu .dropdown:hover>ul {
    opacity: 1;
    top: 100%;
    visibility: visible;
  }

  .navmenu .dropdown .dropdown ul {
    top: 0;
    left: -90%;
    visibility: hidden;
  }

  .navmenu .dropdown .dropdown:hover>ul {
    opacity: 1;
    top: 0;
    left: 200px;
    visibility: visible;
  }

}

/* Mobile Navigation */
@media (max-width: 1199px) {
  .mobile-nav-toggle {
    color: var(--nav-color);
    font-size: 28px;
    line-height: 0;
    margin-right: 10px;
    cursor: pointer;
    transition: color 0.3s;
  }

  .navmenu {
    padding: 0;
    z-index: 9997;
  }

  .navmenu ul {
    display: none;
    list-style: none;
    position: absolute;
    inset: 60px 20px 20px 20px;
    padding: 10px 0;
    margin: 0;
    border-radius: 6px;
    background-color: #fff;
    border: 1px solid color-mix(in srgb, var(--default-color), transparent 90%);
    box-shadow: none;
    overflow-y: auto;
    transition: 0.3s;
    z-index: 9998;
  }

  .navmenu a,
  .navmenu a:focus {
    color: var(--nav-dropdown-color);
    padding: 10px 20px;
    font-family: var(--nav-font);
    font-size: 17px;
    font-weight: 500;
    display: flex;
    align-items: center;
    justify-content: space-between;
    white-space: nowrap;
    transition: 0.3s;
  }

  .navmenu a i,
  .navmenu a:focus i {
    font-size: 12px;
    line-height: 0;
    margin-left: 5px;
    width: 30px;
    height: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: 0.3s;
    background-color: color-mix(in srgb, var(--accent-color), transparent 90%);
  }

  .navmenu a i:hover,
  .navmenu a:focus i:hover {
    background-color: var(--accent-color);
    color: var(--contrast-color);
  }

  .navmenu a:hover,
  .navmenu .active,
  .navmenu .active:focus {
    color: var(--nav-dropdown-hover-color);
  }

  .navmenu .active i,
  .navmenu .active:focus i {
    background-color: var(--accent-color);
    color: var(--contrast-color);
    transform: rotate(180deg);
  }

  .navmenu .dropdown ul {
    position: static;
    display: none;
    z-index: 99;
    padding: 10px 0;
    margin: 10px 20px;
    background-color: var(--nav-dropdown-background-color);
    transition: all 0.5s ease-in-out;
  }

  .navmenu .dropdown ul ul {
    background-color: rgba(33, 37, 41, 0.1);
  }

  .navmenu .dropdown>.dropdown-active {
    display: block;
    background-color: rgba(33, 37, 41, 0.03);
  }

  .mobile-nav-active {
    overflow: hidden;
  }

  .mobile-nav-active .mobile-nav-toggle {
    color: #fff;
    position: absolute;
    font-size: 32px;
    top: 15px;
    right: 15px;
    margin-right: 0;
    z-index: 9999;
  }

  .mobile-nav-active .navmenu {
    position: fixed;
    overflow: hidden;
    inset: 0;
    background: rgba(33, 37, 41, 0.8);
    transition: 0.3s;
  }

  .mobile-nav-active .navmenu>ul {
    display: block;
  }
   .header .logo {
    order: 1;
  }
  .header .navmenu {
    order: 3;
  }
    .header .btn-primary {
    order: 2;
    margin: 0 10px 0 0;
  }
}
@media (max-width: 654px) {
    .header .btn-primary {display: none;}

}
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

/* Cinematic Hero */
.hero { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%); color: #fff; position: relative; overflow: hidden; min-height: 40vh; display: flex; align-items: center; justify-content: center; padding: 6rem 0; }
.hero h1 { color: #fff; font-size: 3.5rem; font-weight: 600; margin-bottom: 1.5rem; line-height: 1.1; position: relative; z-index: 2; }
.hero .breadcrumb { justify-content: center; position: relative; z-index: 2; margin-bottom: 2rem; }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,0.3); }
.breadcrumb-item a { color: var(--teal); font-weight: 600; font-size: 0.85rem; text-transform: none; }
.breadcrumb-item.active { color: rgba(255,255,255,0.6); font-size: 0.85rem; text-transform: none; }

@keyframes subtleZoom { from { transform: scale(1); } to { transform: scale(1.05); } }

/* Refined, Elegant Buttons */
.btn { padding: 0.75rem 1.75rem; border-radius: 8px; font-weight: 500; text-transform: none; transition: var(--transition); border: 1px solid transparent; position: relative; z-index: 1; font-size: 15px; }
.header .btn-primary {margin: 0 0 0 30px; background: var(--teal); color: #fff !important; box-shadow: 0 4px 14px rgba(0, 167, 157, 0.15); border-color: var(--teal); }
.btn-primary:hover, .btn-primary:focus { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0, 167, 157, 0.25); background: var(--teal-dark); border-color: var(--teal-dark); color: #fff; }
.btn-outline-primary { background: transparent; border-color: var(--teal); color: var(--teal) !important; box-shadow: none; border-width: 1.5px; }
.btn-outline-primary:hover { background: rgba(0, 167, 157, 0.05); color: var(--teal-dark) !important; border-color: var(--teal-dark); }

/* Premium Cards */
.card { border: none; border-radius: var(--radius); box-shadow: var(--shadow); transition: var(--transition); height: 100%; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-10px); box-shadow: var(--shadow-hover); }
.card-body { padding: 3rem 2.5rem; flex: 1; display: flex; flex-direction: column; }
.card-title { color: var(--navy-dark); font-weight: 600; font-size: 1.5rem; margin-bottom: 1rem; }
.card-body .btn { margin-top: auto; align-self: flex-start; }

/* Premium List Groups */
.list-group { box-shadow: var(--shadow); border-radius: var(--radius); border: none; background: #fff; }
.list-group-item { padding: 1.5rem 2rem; border-color: rgba(0,0,0,0.05); font-size: 1.05rem; transition: var(--transition); background: transparent; }
.list-group-item:hover { background: var(--bg-light); }
.list-group-flush { box-shadow: none; border-radius: 0; }
.list-group-item i { color: var(--teal); margin-right: 1rem; font-size: 1.25rem; }

/* Custom Accordions */
.accordion { box-shadow: var(--shadow); border-radius: var(--radius); background: #fff; overflow: hidden; border: none; }
.accordion-item { border: none; border-bottom: 1px solid rgba(0,0,0,0.05); background: transparent; }
.accordion-item:last-child { border-bottom: none; }
.accordion-button { padding: 1.75rem 2rem; font-family: 'Outfit', sans-serif; font-weight: 600; font-size: 1.15rem; color: var(--navy-dark); box-shadow: none !important; background: transparent; transition: var(--transition); }
.accordion-button:not(.collapsed) { background: transparent; color: var(--teal); }
.accordion-button:focus { box-shadow: none; border-color: transparent; }
.accordion-body { padding: 0 2rem 2rem 2rem; font-size: 1.05rem; color: var(--text-muted); line-height: 1.7; }

/* Maps */
.ratio { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); filter: grayscale(20%) contrast(1.1); transition: var(--transition); }
.ratio:hover { filter: grayscale(0%) contrast(1); }

/* Tables */
table, .table { background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); margin-bottom: 2rem; width: 100%; border-collapse: collapse; }
table thead th, .table thead th { background: var(--navy-dark); color: #fff; font-family: 'Outfit', sans-serif; font-weight: 600; text-transform: none; letter-spacing: 0; border: none; padding: 1.25rem; text-align: left; }
table tbody td, .table tbody td { padding: 1.25rem; border-bottom: 1px solid rgba(0,0,0,0.05); color: var(--text); }
table tbody tr:hover td, .table tbody tr:hover td { background: var(--bg-light); }

/* Footer */
.footer { background-color: var(--navy-dark); padding-top: 5rem; padding-bottom: 2rem; color: #94a3b8; font-size: 0.95rem; }
.footer .footer-heading { color: #fff; font-family: 'Outfit', sans-serif; font-weight: 600; margin-bottom: 1.5rem; letter-spacing: 0; }
.footer a { color: #94a3b8; display: inline-block; transition: var(--transition); }
.footer a:hover { color: var(--teal); transform: translateX(5px); text-decoration: none; }
.footer .border-top { border-color: rgba(255,255,255,0.05) !important; margin-top: 4rem; padding-top: 2rem; }

/* REVEAL ANIMATIONS (Intersection Observer) */
.reveal { opacity: 0; transform: translateY(40px); transition: all 0.8s cubic-bezier(0.165, 0.84, 0.44, 1); }
.reveal.active { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
/* ============================================================
   PREMIUM "COVERAGE GAP" SECTION
   Typography inherits from global design system
   ============================================================ */

.hero-home+section.bg-light {
    position: relative;
    padding-top: clamp(90px, 9vw, 140px) !important;
    padding-bottom: clamp(90px, 9vw, 140px) !important;
    background: linear-gradient( 180deg, #f8fafc 0%, #ffffff 100%) !important;
    overflow: hidden;
}
/* ============================================================
   SUBTLE ARCHITECTURAL DETAIL
   ============================================================ */

/* ============================================================
   CONTAINER
   ============================================================ */

.hero-home+section.bg-light .container {
    position: relative;
    z-index: 2;
}
/* ============================================================
   HEADING
   ============================================================ */


/* Premium heading marker */

.hero-home+section.bg-light h2::before {
    content: "";
    display: block;
    width: 42px;
    height: 2px;
    margin: 0 auto 24px;
    background: var(--teal);
}
/* ============================================================
   CONTENT COLUMN
   ============================================================ */

.hero-home+section.bg-light .col-lg-8 {
    position: relative;
    max-width: 820px;
}
/* ============================================================
   LEFT EDITORIAL LINE
   ============================================================ */

.hero-home+section.bg-light .col-lg-8::before {
    content: "";
    position: absolute;
    left: -30px;
    top: 4px;
    width: 1px;
    height: calc(100% - 8px);
    background: linear-gradient( to bottom, var(--teal), rgba(0, 167, 157, .08) 75%, transparent);
}
/* ============================================================
   PARAGRAPHS
   ============================================================ */

.hero-home+section.bg-light p {
    margin-bottom: 28px;
    font-size: 1.04rem;
    line-height: 1.85;
    color: var(--text);
    letter-spacing: -.005em;
}
.hero-home+section.bg-light p:last-child {
    margin-bottom: 0;
}
/* ============================================================
   FIRST PARAGRAPH  STRONGER OPENING
   ============================================================ */

.hero-home+section.bg-light p:first-child {
    color: var(--text-dark);
}
/* ============================================================
   SUBTLE SEPARATION BETWEEN PARAGRAPHS
   ============================================================ */

.hero-home+section.bg-light p+p {
    position: relative;
    padding-top: 28px;
}
.hero-home+section.bg-light p+p::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 36px;
    height: 1px;
    background: rgba(3, 42, 99, .12);
}
/* ============================================================
   REVEAL ANIMATION SUPPORT
   ============================================================ */

.hero-home+section.bg-light .reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity .8s var(--ease-premium), transform .8s var(--ease-premium);
}
.hero-home+section.bg-light .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
/* Slight sequencing */

.hero-home+section.bg-light h2.reveal {
    transition-delay: .05s;
}
.hero-home+section.bg-light p:nth-of-type(1).reveal {
    transition-delay: .12s;
}
.hero-home+section.bg-light p:nth-of-type(2).reveal {
    transition-delay: .2s;
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .hero-home+section.bg-light {
        padding-top: 90px !important;
        padding-bottom: 90px !important;
    }
    .hero-home+section.bg-light h2 {
        margin-bottom: 45px !important;
    }
    .hero-home+section.bg-light .col-lg-8 {
        max-width: 760px;
    }
    .hero-home+section.bg-light .col-lg-8::before {
        left: -20px;
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 575.98px) {
    .hero-home+section.bg-light {
        padding-top: 70px !important;
        padding-bottom: 75px !important;
    }
    .hero-home+section.bg-light::before, .hero-home+section.bg-light::after {
        display: none;
    }
    .hero-home+section.bg-light h2 {
        margin-bottom: 38px !important;
        font-size: 2rem;
        line-height: 1.15;
    }
    .hero-home+section.bg-light .col-lg-8 {
        padding-left: 25px;
    }
    .hero-home+section.bg-light .col-lg-8::before {
        left: 5px;
        height: calc(100% - 5px);
    }
    .hero-home+section.bg-light p {
        font-size: 1rem;
        line-height: 1.78;
        margin-bottom: 24px;
    }
    .hero-home+section.bg-light p+p {
        padding-top: 24px;
    }
}
/* ============================================================
   PROPERTY TYPE  HIGH-END PORTFOLIO STYLE
   No pseudo-elements
   No repeated typography declarations
   SVG used as subtle surface geometry
   ============================================================ */

#property-type {
    background-color: var(--navy-dark);
    padding: 100px 0;
    color: #ffffff;
    overflow: hidden;
}

#property-type .services-header h2 {
    color: #ffffff;
    font-size: 2.5rem;
    font-weight: 600;
}

#property-type .services-card {
    background-color: rgba(255, 255, 255, 0.05);
    border-radius: 20px;
    padding: 2rem;
    transition: transform 0.3s ease, background-color 0.3s ease;
    display: flex;
    flex-direction: column;
    text-align: left;
    height: 100%;
}

#property-type .services-card:hover {
    transform: translateY(-5px);
    background-color: rgba(255, 255, 255, 0.08);
}

#property-type .services-icon {
    background-color: #ffffff;
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

#property-type .services-icon i {
    color: var(--teal);
    font-size: 1.5rem;
}

#property-type .services-card h5 {
    color: #ffffff;
    font-weight: 600;
    margin-bottom: 0.75rem;
    font-size: 1.15rem;
}

#property-type .services-card p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 0;
}

#property-type .services-image-wrapper {
    border-radius: 24px;
    overflow: hidden;
    height: 100%;
    min-height: 500px;
}

#property-type .services-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

#property-type .services-link {
    color: #01a79e;
    font-weight: 600;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    text-decoration: none;
    transition: color 0.3s ease;
    align-self: flex-start;
}

#property-type .services-link:hover {
    color: #ffffff;
}

@media (max-width: 991.98px) {
    #property-type {
        padding: 80px 0;
    }
    #property-type .services-header h2 {
        font-size: 2rem;
    }
}
/* ============================================================
   PREMIUM COVERAGE ARCHITECTURE
   ============================================================ */

.coverage-section {
    position: relative;
    isolation: isolate;
    padding: clamp(100px, 10vw, 155px) 0;
    background: #fff;
    overflow: hidden;
}
/* ============================================================
   INLINE SVG BACKGROUND
   ============================================================ */

.coverage-bg-svg {
    position: absolute;
    inset: 0;
    z-index: -1;
    width: 100%;
    height: 100%;
    color: var(--navy);
    opacity: .45;
    pointer-events: none;
}
/* ============================================================
   HEADER
   ============================================================ */

.coverage-header {
    display: grid;
    grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr);
    gap: clamp(50px, 8vw, 130px);
    align-items: end;
    margin-bottom: clamp(55px, 7vw, 85px);
}
/* ============================================================
   EYEBROW
   ============================================================ */

.coverage-eyebrow {
    display: inline-block;
    margin-bottom: 20px;
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: var(--teal);
}
/* ============================================================
   TITLE
   ============================================================ */


/* ============================================================
   INTRO
   ============================================================ */

.coverage-header-copy {
    max-width: 650px;
    padding-bottom: 5px;
}
.coverage-header-copy p {
    margin: 0;
    font-size: clamp(1rem, 1.2vw, 1.08rem);
    line-height: 1.85;
    color: var(--text-muted);
}
/* ============================================================
   GRID
   ============================================================ */

.coverage-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}
/* ============================================================
   COVERAGE CARD
   ============================================================ */

.coverage-card {
    position: relative;
    display: grid;
    grid-template-columns: 54px minmax(0, 1fr) 42px;
    align-items: center;
    gap: 18px;
    padding: 20px 24px;
    color: var(--navy-dark);
    text-decoration: none;
    background: rgba(255, 255, 255, .78);
    border: 1px solid rgba(3, 42, 99, .075);
    border-radius: 4px;
    box-shadow: 0 7px 25px rgba(3, 42, 99, .025);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    transition: transform .55s cubic-bezier(.16, 1, .3, 1), background-color .55s cubic-bezier(.16, 1, .3, 1), border-color .55s cubic-bezier(.16, 1, .3, 1), box-shadow .55s cubic-bezier(.16, 1, .3, 1);
    border-color: rgba(0, 167, 157, .25);
    box-shadow: 0 22px 45px rgba(3, 42, 99, .09);
}
/* ============================================================
   HOVER CARD
   ============================================================ */

.coverage-card:hover {
    color: var(--navy-dark);
    background: #ffffff;
    border-color: rgba(0, 167, 157, .25);
    transform: translateY(-5px);
    box-shadow: 0 22px 45px rgba(3, 42, 99, .09);
}
/* ============================================================
   NUMBER
   ============================================================ */

.coverage-card-number {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .08em;
    transition: color .4s ease;
}
.coverage-card:hover .coverage-card-number {
    color: var(--teal);
}
/* ============================================================
   ICON
   ============================================================ */

.coverage-card-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal);
    background: #edf7f6;
    border-radius: 3px;
    transition: color .45s cubic-bezier(.16, 1, .3, 1), background-color .45s cubic-bezier(.16, 1, .3, 1), transform .45s cubic-bezier(.16, 1, .3, 1);
    color: #ffffff;
    background: var(--teal);
    transform: scale(1.04);
}
.coverage-card-icon i {
    font-size: 1.1rem;
}
.coverage-card:hover .coverage-card-icon {
    color: #ffffff;
    background: var(--teal);
    transform: scale(1.04);
}
/* ============================================================
   NAME
   ============================================================ */

.coverage-card-title {
    font-size: clamp(.95rem, 1.2vw, 1.08rem);
    font-weight: 600;
    line-height: 1.35;
    letter-spacing: -.018em;
    color: var(--navy-dark);
    transition: color .4s ease;
}
.coverage-card:hover .coverage-card-title {
    color: var(--navy);
}
/* ============================================================
   ARROW
   ============================================================ */

.coverage-card-arrow {
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(3, 42, 99, .38);
    border: 1px solid rgba(3, 42, 99, 1);
    border-radius: 50%;
    transition: color .45s cubic-bezier(.16, 1, .3, 1), background-color .45s cubic-bezier(.16, 1, .3, 1), border-color .45s cubic-bezier(.16, 1, .3, 1), transform .45s cubic-bezier(.16, 1, .3, 1);
    
}
.coverage-card-arrow i {
    font-size: .75rem;
    color: #333;
}
.coverage-card:hover .coverage-card-arrow {
    color: #ffffff;
    background: var(--navy);
    border-color: var(--navy);
    transform: rotate(3deg);
}
.coverage-card:hover .coverage-card-arrow i {
    color: #ffffff;
}
/* ============================================================
   REVEAL
   ============================================================ */

.coverage-section .reveal {
    opacity: 0;
    transform: translateY(25px);
    transition: opacity .75s cubic-bezier(.16, 1, .3, 1), transform .75s cubic-bezier(.16, 1, .3, 1);
}
.coverage-section .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
/* ============================================================
   COVERAGE STAGGER
   ============================================================ */

.coverage-card:nth-child(1) {
    transition-delay: .03s;
}
.coverage-card:nth-child(2) {
    transition-delay: .06s;
}
.coverage-card:nth-child(3) {
    transition-delay: .09s;
}
.coverage-card:nth-child(4) {
    transition-delay: .12s;
}
.coverage-card:nth-child(5) {
    transition-delay: .15s;
}
.coverage-card:nth-child(6) {
    transition-delay: .18s;
}
.coverage-card:nth-child(7) {
    transition-delay: .21s;
}
.coverage-card:nth-child(8) {
    transition-delay: .24s;
}
.coverage-card:nth-child(9) {
    transition-delay: .27s;
}
.coverage-card:nth-child(10) {
    transition-delay: .30s;
}
.coverage-card:nth-child(11) {
    transition-delay: .33s;
}
.coverage-card:nth-child(12) {
    transition-delay: .36s;
}
.coverage-card:nth-child(13) {
    transition-delay: .39s;
}
.coverage-card:nth-child(14) {
    transition-delay: .42s;
}
/* ============================================================
   LARGE DESKTOP
   ============================================================ */

@media (min-width: 1400px) {
    .coverage-card {
        min-height: 120px;
        padding: 22px 28px;
    }
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .coverage-header {
        grid-template-columns: 1fr;
        gap: 28px;
        align-items: start;
    }
    .coverage-header h2 {
        max-width: 700px;
    }
    .coverage-header-copy {
        max-width: 760px;
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .coverage-section {
        padding: 75px 0;
    }
    .coverage-header {
        margin-bottom: 45px;
    }
    .coverage-header h2 {
        font-size: 2.25rem;
        letter-spacing: -.045em;
    }
    .coverage-header-copy p {
        font-size: .98rem;
        line-height: 1.78;
    }
    .coverage-grid {
        grid-template-columns: 1fr;
        gap: 10px;
    }
    .coverage-card {
        min-height: 92px;
        grid-template-columns: 46px minmax(0, 1fr) 34px;
        gap: 12px;
        padding: 17px 15px;
    }
    .coverage-card-icon {
        width: 44px;
        height: 44px;
    }
    .coverage-card-title {
        font-size: .94rem;
    }
    .coverage-card-arrow {
        width: 32px;
        height: 32px;
    }
}
/* ============================================================
   PREMIUM SERVICE MAP
   ============================================================ */

.service-map-section {
    position: relative;
    isolation: isolate;
    padding: clamp(100px, 10vw, 160px) 0;
    background: #f8fafc;
    overflow: hidden;
}
/* ============================================================
   ABSTRACT MAP / TOPOGRAPHIC SVG
   ============================================================ */

.service-map-pattern {
    position: absolute;
    width: 100%;
    height: 100%;
    inset: 0;
    z-index: -1;
    color: var(--teal);
    opacity: .08;
    pointer-events: none;
}
/* ============================================================
   TOP INTRO
   ============================================================ */

.service-map-top {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: clamp(50px, 10vw, 160px);
    align-items: end;
    margin-bottom: 70px;
}
/* ============================================================
   LABEL
   ============================================================ */

.service-map-label {
    display: block;
    margin-bottom: 22px;
    color: var(--teal);
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
}
/* ============================================================
   TITLE
   ============================================================ */


/* ============================================================
   COPY
   ============================================================ */

.service-map-copy {
    max-width: 650px;
}
.service-map-copy p {
    margin: 0;
    color: var(--text-muted);
    font-size: clamp(1rem, 1.15vw, 1.1rem);
    line-height: 1.85;
}
/* ============================================================
   MAIN DARK PANEL
   ============================================================ */

.service-map-panel {
    position: relative;
    padding: clamp(35px, 5vw, 70px);
    background: linear-gradient( 135deg, var(--navy-dark) 0%, var(--navy) 100%);
    box-shadow: 0 35px 80px rgba(3, 42, 99, .16);
    overflow: hidden;
}
/* ============================================================
   PANEL DECORATION
   ============================================================ */

.service-map-panel::after {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    right: -180px;
    top: -180px;
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 50%;
    box-shadow: 0 0 0 60px rgba(255, 255, 255, .018), 0 0 0 120px rgba(255, 255, 255, .012);
    pointer-events: none;
}
/* ============================================================
   PANEL SECTION LABEL
   ============================================================ */

.service-map-panel-intro {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 28px;
}
.service-map-panel-intro>span {
    color: var(--teal);
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .12em;
}
.service-map-panel-intro div {
    display: flex;
    align-items: baseline;
    gap: 14px;
}
.service-map-panel-intro small {
    color: rgba(255, 255, 255, .45);
    font-size: .63rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
}
.service-map-panel-intro strong {
    color: #ffffff;
    font-size: 1.05rem;
    font-weight: 600;
}
/* ============================================================
   LOCATION GRID
   ============================================================ */

.service-map-locations {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    border-top: 1px solid rgba(255, 255, 255, .12);
    border-left: 1px solid rgba(255, 255, 255, .12);
    margin-bottom: 60px;
}
/* ============================================================
   LOCATION
   ============================================================ */

.service-location {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    padding: 22px 24px;
    color: #ffffff;
    text-decoration: none;
    border-right: 1px solid rgba(255, 255, 255, .12);
    border-bottom: 1px solid rgba(255, 255, 255, .12);
    transition: background-color .45s cubic-bezier(.16, 1, .3, 1), color .45s cubic-bezier(.16, 1, .3, 1), padding .45s cubic-bezier(.16, 1, .3, 1);
}
.service-location span {
    font-size: 1rem;
    font-weight: 500;
    line-height: 1.35;
    letter-spacing: -.015em;
}
.service-location i {
    flex-shrink: 0;
    width: 30px;
    height: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, .45);
    border: 1px solid rgba(255, 255, 255, .15);
    border-radius: 50%;
    font-size: .65rem;
    transition: transform .45s cubic-bezier(.16, 1, .3, 1), background-color .45s cubic-bezier(.16, 1, .3, 1), color .45s cubic-bezier(.16, 1, .3, 1);
}
/* ============================================================
   HOVER
   ============================================================ */

.service-location:hover {
    color: var(--navy-dark);
    background: #ffffff;
    padding-left: 30px;
}
.service-location:hover i {
    color: #ffffff;
    background: var(--teal);
    border-color: var(--teal);
    transform: translate(2px, -2px);
}
/* ============================================================
   SUBURBS
   ============================================================ */

.service-map-panel-intro.suburbs {
    margin-bottom: 28px;
}
.suburbs-grid {
    margin-bottom: 0;
}
/* ============================================================
   REVEAL
   ============================================================ */

.service-map-section .reveal {
    opacity: 0;
    transform: translateY(25px);
    transition: opacity .8s cubic-bezier(.16, 1, .3, 1), transform .8s cubic-bezier(.16, 1, .3, 1);
}
.service-map-section .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .service-map-top {
        grid-template-columns: 1fr;
        gap: 30px;
        margin-bottom: 55px;
    }
    .service-map-copy {
        max-width: 750px;
    }
    .service-map-locations {
        grid-template-columns: repeat(2, 1fr);
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .service-map-section {
        padding: 75px 0;
    }
    .service-map-heading h2 {
        font-size: 2.8rem;
        letter-spacing: -.055em;
    }
    .service-map-copy p {
        font-size: .97rem;
        line-height: 1.78;
    }
    .service-map-panel {
        padding: 28px 18px;
    }
    .service-map-panel-intro {
        gap: 12px;
        margin-bottom: 22px;
    }
    .service-map-panel-intro div {
        display: flex;
        flex-direction: column;
        gap: 4px;
    }
    .service-map-panel-intro strong {
        font-size: .98rem;
    }
    .service-map-locations {
        grid-template-columns: 1fr;
        margin-bottom: 45px;
    }
    .service-location {
        min-height: 72px;
        padding: 17px 16px;
    }
    .service-location:hover {
        padding-left: 20px;
    }
}
/* ============================================================
   COVERAGE OVERLAP  EDITORIAL PREMIUM
   ============================================================ */

.coverage-overlap {
    position: relative;
    padding: clamp(110px, 11vw, 170px) 0;
    background: #ffffff;
    overflow: hidden;
}
/* ============================================================
   INTRO
   ============================================================ */

.coverage-overlap-intro {
    display: grid;
    grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
    gap: clamp(60px, 10vw, 150px);
    align-items: start;
}
/* ============================================================
   KICKER
   ============================================================ */

.coverage-kicker {
    display: block;
    margin-bottom: 24px;
    color: var(--teal);
    font-size: .66rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
}
/* ============================================================
   HEADING
   ============================================================ */

.coverage-overlap-title h2 {
    max-width: 590px;
    margin: 0;
    color: var(--navy-dark);
    line-height: .96;
    letter-spacing: -.065em;
}
/* ============================================================
   TEXT
   ============================================================ */

.coverage-overlap-text {
    max-width: 700px;
    padding-top: 8px;
}
.coverage-overlap-text p {
    margin: 0;
    color: var(--text);
    font-size: clamp(1.02rem, 1.25vw, 1.16rem);
    line-height: 1.9;
    letter-spacing: -.008em;
}
/* ============================================================
   CTA
   ============================================================ */

.coverage-overlap-cta {
    display: inline-flex;
    align-items: center;
    gap: 22px;
    margin-top: 45px;
    padding-bottom: 13px;
    color: var(--navy-dark);
    text-decoration: none;
    border-bottom: 1px solid var(--navy-dark);
    transition: color .4s ease, gap .45s cubic-bezier(.16, 1, .3, 1), border-color .4s ease;
}
.coverage-overlap-cta span {
    font-size: .9rem;
    font-weight: 600;
}
.coverage-overlap-cta i {
    font-size: .75rem;
    transition: transform .45s cubic-bezier(.16, 1, .3, 1);
}
.coverage-overlap-cta:hover {
    color: var(--teal);
    gap: 28px;
    border-color: var(--teal);
}
.coverage-overlap-cta:hover i {
    transform: translate(3px, -3px);
}
/* ============================================================
   DIVIDER
   ============================================================ */

.coverage-divider {
    width: 100%;
    height: 1px;
    margin: clamp(75px, 9vw, 125px) 0 clamp(60px, 7vw, 90px);
    background: rgba(3, 42, 99, .12);
}
/* ============================================================
   DIAGRAM
   ============================================================ */

.coverage-diagram {
    position: relative;
}
/* ============================================================
   DIAGRAM LABEL
   ============================================================ */

.coverage-diagram-label {
    display: flex;
    justify-content: space-between;
    margin-bottom: 18px;
    padding: 0 12px;
    color: var(--text-muted);
    font-size: .61rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
}
/* ============================================================
   TRACK
   ============================================================ */

.coverage-track {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 180px 1fr;
    align-items: center;
    min-height: 210px;
    border-top: 1px solid rgba(3, 42, 99, .15);
    border-bottom: 1px solid rgba(3, 42, 99, .15);
}
/* ============================================================
   ZONES
   ============================================================ */

.coverage-zone {
    min-height: 210px;
    display: flex;
    align-items: center;
    gap: 28px;
    padding: 30px 38px;
    background: #f8fafc;
}
.owner-zone {
    border-right: 1px solid rgba(3, 42, 99, .1);
}
.manager-zone {
    border-left: 1px solid rgba(3, 42, 99, .1);
}
/* ============================================================
   NUMBER
   ============================================================ */

.zone-number {
    color: var(--teal);
    font-size: .67rem;
    font-weight: 700;
    letter-spacing: .1em;
}
/* ============================================================
   ZONE CONTENT
   ============================================================ */

.zone-content {
    display: flex;
    flex-direction: column;
    gap: 9px;
}
.zone-content small {
    color: var(--text-muted);
    font-size: .63rem;
    font-weight: 600;
    letter-spacing: .13em;
    text-transform: uppercase;
}
.zone-content strong {
    color: var(--navy-dark);
    font-size: clamp(1.1rem, 1.7vw, 1.45rem);
    font-weight: 600;
    letter-spacing: -.025em;
}
/* ============================================================
   CENTRAL OVERLAP
   ============================================================ */

.coverage-zone-overlap {
    position: relative;
    width: 180px;
    height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: auto;
    color: var(--teal);
    background: #ffffff;
}
.coverage-zone-overlap svg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    opacity: .65;
}
.coverage-zone-overlap span {
    position: relative;
    z-index: 2;
    color: var(--navy-dark);
    font-size: .59rem;
    font-weight: 700;
    line-height: 1.5;
    letter-spacing: .16em;
    text-align: center;
}
/* ============================================================
   NOTE
   ============================================================ */

.coverage-diagram-note {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 18px;
    margin-top: 28px;
}
.coverage-diagram-note p {
    margin: 0;
    color: var(--text-muted);
    font-size: .78rem;
    font-weight: 500;
    letter-spacing: .01em;
}
.note-line {
    width: 35px;
    height: 1px;
    background: var(--teal);
}
/* ============================================================
   REVEAL
   ============================================================ */

.coverage-overlap .reveal {
    opacity: 0;
    transform: translateY(25px);
    transition: opacity .8s cubic-bezier(.16, 1, .3, 1), transform .8s cubic-bezier(.16, 1, .3, 1);
}
.coverage-overlap .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .coverage-overlap-intro {
        grid-template-columns: 1fr;
        gap: 35px;
    }
    .coverage-overlap-text {
        max-width: 760px;
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .coverage-overlap {
        padding: 75px 0;
    }
    .coverage-overlap-title h2 {
        font-size: 2.65rem;
        letter-spacing: -.055em;
    }
    .coverage-overlap-text p {
        font-size: .98rem;
        line-height: 1.8;
    }
    .coverage-overlap-cta {
        margin-top: 32px;
        gap: 15px;
    }
    .coverage-overlap-cta span {
        font-size: .82rem;
    }
    .coverage-track {
        grid-template-columns: 1fr;
        border-top: 0;
        border-bottom: 0;
    }
    .coverage-zone {
        min-height: 125px;
        padding: 25px 20px;
    }
    .owner-zone {
        border-right: 0;
        border-top: 1px solid rgba(3, 42, 99, .15);
        border-bottom: 1px solid rgba(3, 42, 99, .1);
    }
    .manager-zone {
        border-left: 0;
        border-top: 1px solid rgba(3, 42, 99, .1);
        border-bottom: 1px solid rgba(3, 42, 99, .15);
    }
    .coverage-zone-overlap {
        width: 115px;
        height: 115px;
    }
    .coverage-zone-overlap span {
        font-size: .5rem;
    }
    .coverage-diagram-label {
        display: none;
    }
    .coverage-diagram-note {
        text-align: center;
    }
}
/* ============================================================
   PREMIUM COVERAGE REVIEW CTA
   ============================================================ */

.coverage-review-cta {
    position: relative;
    isolation: isolate;
    padding: clamp(100px, 11vw, 165px) 0;
    background: url(../img/cta-bg.jpg);
    background-size: cover;
    overflow: hidden;
}
/* ============================================================
   SVG VISUAL
   ============================================================ */

.coverage-review-visual {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: -1;
    color: var(--teal);
    opacity: .16;
    pointer-events: none;
}
/* ============================================================
   GRID
   ============================================================ */

.coverage-review-grid {
    display: grid;
    grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
    gap: clamp(55px, 10vw, 150px);
}
.coverage-review-cta .btn-outline-primary
{color: #fff!important; border-color: #fff!important}
/* ============================================================
   KICKER
   ============================================================ */

.coverage-review-kicker {
    display: block;
    margin-bottom: 25px;
    color: var(--teal);
    font-size: .66rem;
    font-weight: 700;
    letter-spacing: .2em;
    text-transform: uppercase;
    display: none;
}
/* ============================================================
   HEADING
   ============================================================ */

.coverage-review-heading h2 {
    max-width: 570px;
    margin: 0;
    color: #ffffff;
    font-weight: 700;
    line-height: .94;
    letter-spacing: -.065em;
}
/* ============================================================
   CONTENT
   ============================================================ */

.coverage-review-content {
    max-width: 700px;
}
.coverage-review-content p {
    margin: 0;
    color: rgba(255, 255, 255, .76);
    font-size: clamp(1.03rem, 1.25vw, 1.16rem);
    line-height: 1.9;
}
/* ============================================================
   ACTION
   ============================================================ */

.coverage-review-action {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    margin-top: 45px;
}
/* ============================================================
   BUTTON
   ============================================================ */

.coverage-review-button {
    display: inline-flex;
    align-items: center;
    gap: 30px;
    min-height: 62px;
    padding: 0 9px 0 27px;
    color: var(--navy-dark);
    background: #ffffff;
    text-decoration: none;
    transition: background-color .4s ease, color .4s ease, transform .45s cubic-bezier(.16, 1, .3, 1), box-shadow .45s ease;
}
.coverage-review-button span {
    font-size: .88rem;
    font-weight: 700;
    letter-spacing: .01em;
}
.coverage-review-button i {
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    background: var(--teal);
    font-size: .72rem;
    transition: transform .45s cubic-bezier(.16, 1, .3, 1), background-color .4s ease;
}
.coverage-review-button:hover {
    color: #ffffff;
    background: var(--teal);
    transform: translateY(-3px);
    box-shadow: 0 18px 45px rgba(0, 0, 0, .18);
}
.coverage-review-button:hover i {
    background: var(--navy-dark);
    transform: translate(2px, -2px);
}
/* ============================================================
   MICRO COPY
   ============================================================ */

.coverage-review-note {
    margin-top: 15px;
    color: rgba(255, 255, 255, 1);
    font-size: .68rem;
    letter-spacing: .04em;
}
/* ============================================================
   REVEAL
   ============================================================ */

.coverage-review-cta .reveal {
    opacity: 0;
    transform: translateY(25px);
    transition: opacity .8s cubic-bezier(.16, 1, .3, 1), transform .8s cubic-bezier(.16, 1, .3, 1);
}
.coverage-review-cta .reveal.active {
    opacity: 1;
    transform: translateY(0);
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .coverage-review-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .coverage-review-content {
        max-width: 760px;
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .coverage-review-cta {
        padding: 80px 0;
    }
    .coverage-review-heading h2 {
        font-size: 2.7rem;
        letter-spacing: -.055em;
    }
    .coverage-review-content p {
        font-size: .98rem;
        line-height: 1.8;
    }
    .coverage-review-action {
        margin-top: 35px;
    }
    .coverage-review-button {
        width: 100%;
        justify-content: space-between;
        padding-left: 20px;
    }
    .coverage-review-visual {
        width: 180%;
        left: 25%;
        opacity: .1;
    }
}
/* ============================================================
   PREMIUM HERO
   ============================================================ */

.hero-home {
    position: relative;
    isolation: isolate;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--navy-dark);
}
/* ============================================================
   FULL WIDTH IMAGE
   ============================================================ */

.hero-bg-img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
    object-position: center;
    z-index: -3;
}
/* ============================================================
   IMAGE OVERLAY
   ============================================================ */

.hero-overlay {
    position: absolute;
    inset: 0;
    z-index: -2;
    background: linear-gradient( 90deg, rgba(2, 26, 61, .94) 0%, rgba(2, 26, 61, .84) 28%, rgba(3, 42, 99, .48) 56%, rgba(3, 42, 99, .18) 100%);
}
/* subtle lower cinematic fade */

.hero-overlay::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient( 0deg, rgba(2, 26, 61, .48) 0%, transparent 35%);
}
/* ============================================================
   INNER
   ============================================================ */

.hero-home-inner {
    width: 100%;
    padding: clamp(90px, 10vw, 150px) 0;
}
/* ============================================================
   CONTENT
   ============================================================ */

.hero-home-content {
    position: relative;
    max-width: 850px;
    padding-left: clamp(10px, 4vw, 65px);
}
/* vertical accent */

/* ============================================================
   EYEBROW
   ============================================================ */

.hero-eyebrow {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
    color: rgba(255, 255, 255, .72);
    font-size: .67rem;
    font-weight: 700;
    letter-spacing: .2em;
    text-transform: uppercase;
}
.hero-eyebrow span {
    width: 30px;
    height: 1px;
    background: var(--teal);
}
/* ============================================================
   H1
   ============================================================ */

.hero-home h1 {
    max-width: 850px;
    margin: 0 0 30px;
    color: #ffffff;
    font-size: clamp(3.4rem, 4.2vw, 4.3rem);
    font-weight: 700;
    line-height: .94;
    letter-spacing: -.065em;
    text-wrap: balance;
}
/* ============================================================
   LEAD
   ============================================================ */

.hero-home .lead {
    max-width: 750px;
    margin: 0 0 38px;
    color: rgba(255, 255, 255, .78);
    font-size: clamp(1rem, 1.2vw, 1.16rem);
    font-weight: 400;
    line-height: 1.82;
    letter-spacing: -.005em;
}
/* ============================================================
   ACTIONS
   ============================================================ */

.hero-actions {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 14px;
}
/* ============================================================
   PRIMARY
   ============================================================ */

.hero-primary-btn {
    min-height: 58px;
    display: inline-flex;
    align-items: center;
    gap: 25px;
    padding: 0 8px 0 25px;
    color: var(--navy-dark);
    background: #ffffff;
    text-decoration: none;
    transition: color .4s ease, background-color .4s ease, transform .45s cubic-bezier(.16, 1, .3, 1), box-shadow .45s ease;
}
.hero-primary-btn span {
    font-size: .86rem;
    font-weight: 700;
}
.hero-primary-btn i {
    width: 42px;
    height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    background: var(--teal);
    font-size: .7rem;
    transition: transform .45s cubic-bezier(.16, 1, .3, 1), background-color .4s ease;
}
.hero-primary-btn:hover {
    color: #ffffff;
    background: var(--teal);
    transform: translateY(-3px);
    box-shadow: 0 18px 45px rgba(0, 0, 0, .2);
}
.hero-primary-btn:hover i {
    background: var(--navy-dark);
    transform: translate(3px, -3px);
}
/* ============================================================
   SECONDARY
   ============================================================ */

.hero-secondary-btn {
    min-height: 58px;
    display: inline-flex;
    align-items: center;
    gap: 16px;
    padding: 0 22px;
    color: #ffffff;
    border: 1px solid rgba(255, 255, 255, .32);
    background: rgba(255, 255, 255, .06);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    text-decoration: none;
    transition: background-color .4s ease, border-color .4s ease, transform .45s cubic-bezier(.16, 1, .3, 1);
}
.hero-secondary-btn span {
    font-size: .84rem;
    font-weight: 600;
}
.hero-secondary-btn i {
    font-size: .7rem;
}
.hero-secondary-btn:hover {
    color: #ffffff;
    background: rgba(255, 255, 255, .14);
    border-color: rgba(255, 255, 255, .6);
    transform: translateY(-3px);
}
/* ============================================================
   SCROLL INDICATOR
   ============================================================ */

.hero-scroll-indicator {
    position: absolute;
    right: 32px;
    bottom: 35px;
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, .48);
    font-size: .61rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
    writing-mode: vertical-rl;
}
.hero-scroll-indicator i {
    color: var(--teal);
    font-size: .72rem;
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .hero-home {
        min-height: 760px;
    }
    .hero-overlay {
        background: linear-gradient( 90deg, rgba(2, 26, 61, .94) 0%, rgba(2, 26, 61, .78) 55%, rgba(3, 42, 99, .35) 100%);
    }
    .hero-home-content {
        max-width: 760px;
    }
    .hero-home h1 {
        font-size: clamp(3rem, 7vw, 5rem);
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .hero-home {
        min-height: 720px;
        align-items: flex-end;
    }
    .hero-home-inner {
        padding: 75px 0 85px;
    }
    .hero-home-content {
        padding-left: 20px;
    }
    .hero-home-content::before {
        height: 70px;
    }
    .hero-home h1 {
        font-size: 2.9rem;
        line-height: .98;
        letter-spacing: -.055em;
        margin-bottom: 24px;
    }
    .hero-home .lead {
        font-size: .94rem;
        line-height: 1.75;
        margin-bottom: 30px;
    }
    .hero-actions {
        align-items: stretch;
        flex-direction: column;
    }
    .hero-primary-btn, .hero-secondary-btn {
        width: 100%;
        justify-content: space-between;
    }
    .hero-scroll-indicator {
        display: none;
    }
    .hero-bg-img {
        object-position: 62% center;
    }
    .hero-overlay {
        background: linear-gradient( 0deg, rgba(2, 26, 61, .97) 5%, rgba(2, 26, 61, .82) 52%, rgba(3, 42, 99, .35) 100%);
    }
}
/* ============================================================
   PREMIUM FOOTER
   ============================================================ */

.site-footer {
    position: relative;
    isolation: isolate;
    padding: clamp(90px, 9vw, 140px) 0 28px;
    color: rgba(255, 255, 255, .7);
    background: linear-gradient( 135deg, var(--navy-dark) 0%, var(--navy) 100%);
    overflow: hidden;
}
/* ============================================================
   SVG BACKGROUND
   ============================================================ */

.footer-pattern {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: -1;
    color: var(--teal);
    opacity: .12;
    pointer-events: none;
}
/* ============================================================
   FOOTER INTRO
   ============================================================ */

.footer-intro {
    display: grid;
    grid-template-columns: minmax(0, 1.25fr) minmax(300px, .75fr);
    gap: clamp(60px, 12vw, 180px);
    align-items: end;
    padding-bottom: clamp(65px, 8vw, 100px);
    border-bottom: 1px solid rgba(255, 255, 255, .12);
}
/* ============================================================
   BRAND
   ============================================================ */

.footer-brand {
    max-width: 650px;
}
.footer-logo {
    display: block;
    width: min(220px, 70%);
    height: auto;
    margin-bottom: 30px;
    filter: brightness(0) invert(1);
    opacity: .95;
}
.footer-brand p {
    max-width: 600px;
    margin: 0;
    color: rgba(255, 255, 255, .62);
    font-size: clamp(1rem, 1.2vw, 1.1rem);
    line-height: 1.8;
    letter-spacing: -.005em;
}
/* ============================================================
   CONTACT CTA
   ============================================================ */

.footer-contact {
    padding-bottom: 4px;
}
.footer-label {
    display: block;
    margin-bottom: 18px;
    color: var(--teal);
    font-size: .64rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    display: none;
}
.footer-contact-link {
    display: inline-flex;
    align-items: center;
    gap: 22px;
    padding-bottom: 12px;
    color: #ffffff;
    border-bottom: 1px solid rgba(255, 255, 255, .45);
    font-size: clamp(1rem, 1.4vw, 1.18rem);
    font-weight: 600;
    text-decoration: none;
    transition: color .4s ease, border-color .4s ease, gap .45s cubic-bezier(.16, 1, .3, 1);
}
.footer-contact-link i {
    color: #01a79e;
    font-size: .75rem;
    transition: transform .45s cubic-bezier(.16, 1, .3, 1);
}
.footer-contact-link:hover {
    color: #01a79e;
    border-color: #01a79e;
    gap: 28px;
}
.footer-contact-link:hover i {
    transform: translate(3px, -3px);
}
/* ============================================================
   NAVIGATION
   ============================================================ */

.footer-navigation {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(45px, 7vw, 40px);
    padding: clamp(60px, 7vw, 90px) 0;
}
/* ============================================================
   COLUMN LABEL
   ============================================================ */

.footer-column-label {
    display: block;
    margin-bottom: 25px;
    color: rgba(255, 255, 255, .38);
    font-size: .62rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
}
/* ============================================================
   CONTACT DETAILS
   ============================================================ */

.footer-contact-list {
    display: flex;
    flex-direction: column;
    gap: 23px;
}
.footer-contact-list p {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin: 0;
    color: rgba(255, 255, 255, .7);
    font-size: .9rem;
    line-height: 1.5;
}
.footer-contact-list p span {
    color: rgba(255, 255, 255, .32);
    font-size: .6rem;
    font-weight: 700;
    letter-spacing: .13em;
    text-transform: uppercase;
}
.footer-contact-list a {
    color: rgba(255, 255, 255, .7);
    text-decoration: none;
    transition: color .3s ease;
}
.footer-contact-list a:hover {
    color: #00a79d;
}
/* ============================================================
   LINKS
   ============================================================ */

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 13px;
    padding: 0;
    margin: 0;
    list-style: none;
}
.footer-links a {
    position: relative;
    display: inline-block;
    color: rgba(255, 255, 255, .64);
    font-size: .88rem;
    line-height: 1.5;
    text-decoration: none;
    transition: color .35s ease, transform .4s cubic-bezier(.16, 1, .3, 1);
    text-transform: capitalize;
}
.footer-links a:hover {
    color: #ffffff;
    transform: translateX(5px);
}
/* ============================================================
   SERVICE AREAS
   ============================================================ */

.footer-area-links {
    display: grid;
    grid-template-columns: repeat(2, minmax(120px, 1fr));
    column-gap: 45px;
    row-gap: 13px;
}
/* ============================================================
   BOTTOM
   ============================================================ */

.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    padding-top: 25px;
    border-top: 1px solid rgba(255, 255, 255, .1);
}
.footer-bottom p {
    margin: 0;
    color: rgba(255, 255, 255, .35);
    font-size: .68rem;
    line-height: 1.5;
}
.footer-bottom-nav {
    display: flex;
    align-items: center;
    gap: 28px;
}
.footer-bottom-nav a {
    color: rgba(255, 255, 255, .45);
    font-size: .68rem;
    text-decoration: none;
    transition: color .3s ease;
}
.footer-bottom-nav a:hover {
    color: #ffffff;
}
/* ============================================================
   TABLET
   ============================================================ */

@media (max-width: 991.98px) {
    .footer-intro {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .footer-navigation {
        grid-template-columns: 1fr 1fr;
        gap: 55px;
    }
    .footer-service-column {
        grid-column: 1 / -1;
    }
}
/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {
    .site-footer {
        padding: 75px 0 25px;
    }
    .footer-intro {
        padding-bottom: 55px;
    }
    .footer-logo {
        margin-bottom: 24px;
    }
    .footer-brand p {
        font-size: .94rem;
        line-height: 1.75;
    }
    .footer-navigation {
        grid-template-columns: 1fr;
        gap: 45px;
        padding: 55px 0;
    }
    .footer-service-column {
        grid-column: auto;
    }
    .footer-area-links {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        column-gap: 25px;
    }
    .footer-bottom {
        flex-direction: column;
        align-items: flex-start;
        gap: 18px;
    }
    .footer-bottom-nav {
        gap: 20px;
    }
}

section h2
{font-size: 40px!important;  line-height: 50px}

/* ============================================================
   PREMIUM IMAGE HERO
   ============================================================ */

.hero {
    position: relative;
    isolation: isolate;

    min-height: 700px;

    display: flex;
    align-items: center;

    padding: 110px 0 !important;

    overflow: hidden;

    color: #fff;

    background:
        url("../img/hero-2.jpg")
        center center / cover no-repeat;
}


/* ============================================================
   CINEMATIC OVERLAY
   ============================================================ */

.hero::before {
    content: "";

    position: absolute;
    inset: 0;

    z-index: -1;

    background:
        linear-gradient(
            90deg,
            rgba(2, 26, 61, .96) 0%,
            rgba(2, 26, 61, .88) 30%,
            rgba(3, 42, 99, .68) 58%,
            rgba(3, 42, 99, .34) 100%
        );
}


/* secondary image depth */

.hero::after {
    content: "";

    position: absolute;
    inset: 0;

    z-index: -1;

    background:
        linear-gradient(
            0deg,
            rgba(2,26,61,.65) 0%,
            transparent 38%
        );
}


/* ============================================================
   CONTENT
   ============================================================ */

.hero .container {
    position: relative;

    z-index: 2;

    max-width: 1180px;
}


/* ============================================================
   BREADCRUMB
   ============================================================ */

.hero .breadcrumb {
    
    margin: 0 0 28px;

    padding: 0;

    background: transparent;

    font-size: .65rem;

    font-weight: 600;

    letter-spacing: .14em;

    text-transform: uppercase;
}


.hero .breadcrumb-item {
    color: rgba(255,255,255,.55);
}


.hero .breadcrumb-item a {
    color: rgba(255,255,255,.72);

    text-decoration: none;

    transition: color .3s ease;
}


.hero .breadcrumb-item a:hover {
    color: var(--teal);
}


.hero .breadcrumb-item.active {
    color: var(--teal);
}


.hero .breadcrumb-item + .breadcrumb-item::before {
    color: rgba(255,255,255,.3);
}


/* ============================================================
   LEFT CONTENT FRAME
   ============================================================ */




/* ============================================================
   H1
   ============================================================ */

.hero h1 {
    margin:
        0 0 30px !important;

    padding-left: 35px;

    color: #fff;


    font-weight: 700;

    line-height: .93;

    letter-spacing: -.065em;

    text-wrap: balance;
}


/* ============================================================
   DESCRIPTION
   ============================================================ */

.hero .lead {
   
    margin:
        0 0 40px !important;

    padding-left: 35px;

    color: rgba(255,255,255,.78);

    font-size:
        clamp(1rem, 1.25vw, 1.15rem);

    line-height: 1.85;
}


/* ============================================================
   CTA
   ============================================================ */

.hero .btn-primary {
    position: relative;

    display: inline-flex;

    align-items: center;

    min-height: 60px;

    margin-left: 35px;

    padding:
        0 8px 0 27px;

    gap: 25px;

    border: 1px solid var(--teal);

    border-radius: 0;

    color: #fff !important;

    background: var(--teal);

    font-size: .82rem;

    font-weight: 700;

    letter-spacing: .01em;

    box-shadow:
        0 15px 35px rgba(0,0,0,.18);

    transition:
        background .4s ease,
        color .4s ease,
        border-color .4s ease,
        transform .45s cubic-bezier(.16,1,.3,1),
        box-shadow .45s ease;
}


.hero .btn-primary::after {
    content: "↗";

    width: 43px;
    height: 43px;

    display: flex;

    align-items: center;
    justify-content: center;

    flex-shrink: 0;

    color: var(--navy-dark);

    background: #fff;

    font-size: 15px;

    transition:
        transform .45s cubic-bezier(.16,1,.3,1),
        background .4s ease,
        color .4s ease;
}


.hero .btn-primary:hover {
    color: var(--navy-dark) !important;

    background: #fff;

    border-color: #fff;

    transform: translateY(-3px);

    box-shadow:
        0 22px 50px rgba(0,0,0,.28);
}


.hero .btn-primary:hover::after {
    color: #fff;

    background: var(--navy-dark);

    transform:
        translate(3px,-3px);
}


/* ============================================================
   SUBTLE IMAGE MOTION
   ============================================================ */

.hero {
    animation: heroImageReveal 1.2s ease both;
}


@keyframes heroImageReveal {

    from {
        background-position:
            52% center;
    }

    to {
        background-position:
            center center;
    }

}


/* ============================================================
   MOBILE
   ============================================================ */

@media (max-width: 767.98px) {

    .hero {
        min-height: 720px;

        align-items: flex-end;

        padding:
            80px 0 75px !important;

        background-position:
            62% center;
    }

    .hero::before {
        background:
            linear-gradient(
                0deg,
                rgba(2,26,61,.97) 5%,
                rgba(2,26,61,.82) 55%,
                rgba(3,42,99,.42) 100%
            );
    }

    .hero .container::before {
        height: 65px;
    }

    .hero h1 {
        padding-left: 22px;

        font-size: 2.85rem;
    }

    .hero .lead {
        padding-left: 22px;

        font-size: .95rem;

        line-height: 1.78;
    }

    .hero .btn-primary {
        width: calc(100% - 22px);

        margin-left: 22px;

        justify-content: space-between;
    }

}

/* ============================================================
   PREMIUM LONG-FORM CONTENT SYSTEM
   Existing Color System
   ============================================================ */

.premium-content {
    position: relative;
    overflow: hidden;

    padding:70px 0px;

    background:#fff;
}

.premium-content .container {
    position: relative;
    z-index: 2;
}


/* ============================================================
   TYPOGRAPHY
   Uses your global typography
   ============================================================ */

.premium-content h2,
.premium-content h3,
.premium-content h4 {
    color: var(--navy-dark);
}

.premium-content p {
    color: var(--text);
    line-height: 1.85;
}


/* ============================================================
   DECORATIVE BACKGROUND
   ============================================================ */

.premium-content::before {
    content: "";

    position: absolute;

    width: 700px;
    height: 700px;

    right: -400px;
    top: 180px;

    border: 1px solid rgba(0,167,157,.08);

    border-radius: 50%;

    box-shadow:
        0 0 0 80px rgba(0,167,157,.018),
        0 0 0 160px rgba(0,167,157,.012);

    pointer-events: none;
}


/* ============================================================
   EYEBROW
   ============================================================ */

.eyebrow {
    display: inline-flex;
    align-items: center;

    margin-bottom: 20px;

    color: var(--teal);

    font-size: .66rem;
    font-weight: 700;

    letter-spacing: .2em;

    text-transform: uppercase;
    display: none;
}

.eyebrow::before {
    content: "";

    width: 32px;
    height: 1px;

    margin-right: 12px;

    background: var(--teal);
}


/* ============================================================
   INTRO
   ============================================================ */

.content-intro {
   
    margin-bottom: 0px;
    padding-top: 20px!important;
    margin-top: 20px!important;
}

.content-intro h2 {
   
    margin-bottom: 30px;

}

.content-intro p {
    margin: 0;

    font-size: 1.08rem;
}


/* ============================================================
   RISK FEATURE
   ============================================================ */

.risk-feature {
    display: grid;

    grid-template-columns: 120px minmax(0, 850px);

    gap: 55px;

    max-width: 1080px;

    margin: 0 auto 120px;

    padding: 70px 0;

    border-top: 1px solid rgba(3,42,99,.1);
    border-bottom: 1px solid rgba(3,42,99,.1);
}

.risk-index {
    color: rgba(3,42,99,.1);

    font-size: 4.8rem;
    font-weight: 700;

    line-height: .8;

    letter-spacing: -.08em;
}

.risk-content h2 {
    margin-bottom: 25px;

    font-size: clamp(2rem, 3.5vw, 3.5rem);

    line-height: 1.03;

    letter-spacing: -.045em;
}

.risk-content p {
    margin: 0;

    font-size: 1.04rem;
}


/* ============================================================
   NEW YORK LAW FEATURE
   ============================================================ */

.law-feature {
    position: relative;

    display: grid;

    grid-template-columns: 100px minmax(0, 1fr) 100px;

    gap: 45px;

    align-items: start;

    margin-bottom: 125px;

    padding: clamp(50px, 6vw, 80px);

    overflow: hidden;

    background:
        linear-gradient(
            135deg,
            var(--navy-dark),
            var(--navy)
        );

    box-shadow:
        0 30px 80px rgba(3,42,99,.18);
}

.law-feature::after {
    content: "";

    position: absolute;

    width: 500px;
    height: 500px;

    right: -260px;
    bottom: -280px;

    border: 1px solid rgba(255,255,255,.08);

    border-radius: 50%;
}

.law-number {
    position: relative;
    z-index: 2;

    color: rgba(255,255,255,.12);

    font-size: 4.5rem;
    font-weight: 700;

    line-height: .8;

    letter-spacing: -.08em;
}

.law-content {
    position: relative;
    z-index: 2;
}

.law-content h2 {
    margin-bottom: 28px;

    color: #fff;

    font-size: clamp(2.3rem, 4vw, 4rem);

    line-height: 1;

    letter-spacing: -.055em;
}

.law-content p {
    max-width: 800px;

    margin: 0;

    color: rgba(255,255,255,.76);

    font-size: 1.04rem;
}

.law-mark {
    position: relative;
    z-index: 2;

    align-self: center;

    color: rgba(255,255,255,.08);

    font-size: 5rem;
    font-weight: 700;

    letter-spacing: -.1em;

    writing-mode: vertical-rl;
}


/* ============================================================
   GENERIC CONTENT BLOCK
   ============================================================ */

.content-block {
    margin-bottom: 125px;
}

.block-heading {
     margin-bottom: 55px;
}

.block-heading h2 {
    margin-bottom: 25px;

    line-height: 1.02;

    letter-spacing: -.05em;
}

.block-heading p {
 
    margin: 0;

    font-size: 1.04rem;
}


/* ============================================================
   COVERAGE TABLE
   ============================================================ */

.coverage-table-wrap {
    overflow-x: auto;

    border: 1px solid rgba(3,42,99,.1);

    background: #fff;

    box-shadow:
        0 20px 60px rgba(3,42,99,.06);
}

.premium-table {
    width: 100%;

    margin: 0;

    border-collapse: collapse;
}

.premium-table th {
    padding: 22px 28px;

    color: #fff;

    background: var(--navy-dark);

    font-size: .68rem;

    font-weight: 700;

    letter-spacing: .15em;

    text-align: left;

    text-transform: uppercase;
}

.premium-table td {
    padding: 25px 28px;

    border-bottom: 1px solid rgba(3,42,99,.08);

    color: var(--text);

    font-size: .94rem;

    line-height: 1.7;

    vertical-align: top;
}

.premium-table td:first-child {
    width: 32%;

    color: var(--navy-dark);

    font-weight: 700;
}

.premium-table tbody tr {
    transition: background .3s ease;
}

.premium-table tbody tr:hover {
    background: rgba(0,167,157,.035);
}

.premium-table tbody tr:last-child td {
    border-bottom: 0;
}


/* ============================================================
   SERVICE AREAS
   ============================================================ */

.service-block > h3 {
    margin-bottom: 25px;

    font-size: 1.25rem;
}

.area-grid {
    display: grid;

    grid-template-columns:
        repeat(3, 1fr);

    gap: 1px;

    margin-top: 30px;

    border: 1px solid rgba(3,42,99,.1);

    background: rgba(3,42,99,.1);
}

.area-item {
    padding: 30px;

    background: #fff;

    transition:
        background .35s ease,
        transform .35s ease;
}

.area-item:hover {
    background: #f7fbfb;

    transform: translateY(-2px);
}

.area-item h4 {
    margin-bottom: 12px;

    color: var(--navy-dark);

    font-size: 1rem;
}

.area-item p {
    margin: 0;

    color: var(--text-muted);

    font-size: .84rem;

    line-height: 1.7;
}

.area-wide {
    grid-column: span 3;
}


/* ============================================================
   MAP
   ============================================================ */

.map-block {
    margin-top: 65px;

    padding: clamp(30px, 5vw, 55px);

    background: var(--navy-dark);

    color: #fff;
}

.map-block h3 {
    color: #fff;
}

.map-block p {
    color: rgba(255,255,255,.72);
}

.map-code {
    margin: 30px 0;

    overflow: auto;

    background: #01152f;

    border: 1px solid rgba(255,255,255,.08);
}

.map-code pre {
    margin: 0;

    padding: 25px;

    color: rgba(255,255,255,.7);

    font-size: .78rem;

    line-height: 1.7;
}


/* ============================================================
   COMPARISON
   ============================================================ */

.comparison-grid {
    display: grid;

    grid-template-columns: repeat(2, 1fr);

    gap: 22px;

    margin-bottom: 55px;
}

.comparison-panel {
    position: relative;

    padding: 42px;

    border: 1px solid rgba(3,42,99,.09);

    background: #fff;

    box-shadow:
        0 15px 45px rgba(3,42,99,.05);
}

.panel-number {
    display: block;

    margin-bottom: 25px;

    color: rgba(3,42,99,.1);

    font-size: 3.5rem;

    font-weight: 700;

    line-height: .8;
}

.comparison-panel h3 {
    margin-bottom: 25px;

    font-size: 1.35rem;
}

.comparison-panel ul,
.overlap-list ul,
.legal-block ul,
.gaps-block ul {
    padding-left: 0;

    margin: 0;

    list-style: none;
}

.comparison-panel li,
.overlap-list li,
.legal-block li,
.gaps-block li {
    position: relative;

    padding-left: 25px;

    margin-bottom: 15px;

    color: var(--text);

    line-height: 1.7;
}

.comparison-panel li::before,
.overlap-list li::before,
.legal-block li::before,
.gaps-block li::before {
    content: "";

    position: absolute;

    top: .72em;
    left: 0;

    width: 6px;
    height: 6px;

    border-radius: 50%;

    background: var(--teal);
}


/* ============================================================
   OVERLAP / MECHANISMS
   ============================================================ */

.overlap-list {
    margin-bottom: 65px;

    padding: 45px;

    background: #f3f7f8;

    border-left: 3px solid var(--teal);
}

.overlap-list h3,
.mechanisms h3,
.legal-block h3,
.gaps-block h3 {
    margin-bottom: 25px;

    font-size: 1.7rem;

    letter-spacing: -.03em;
}

.mechanisms {
    margin-bottom: 70px;
}

.mechanisms > p {
    max-width: 800px;

    margin-bottom: 35px;
}

.mechanism-grid {
    display: grid;

    grid-template-columns: repeat(2, 1fr);

    gap: 1px;

    background: rgba(3,42,99,.1);

    border: 1px solid rgba(3,42,99,.1);
}

.mechanism {
    position: relative;

    padding: 35px;

    background: #fff;
}

.mechanism > span {
    display: block;

    margin-bottom: 20px;

    color: var(--teal);

    font-size: .7rem;

    font-weight: 700;

    letter-spacing: .15em;
}

.mechanism h4 {
    margin-bottom: 15px;

    font-size: 1.05rem;
}

.mechanism p {
    margin: 0;

    color: var(--text-muted);

    font-size: .9rem;
}


/* ============================================================
   LEGAL + GAPS
   ============================================================ */

.legal-block,
.gaps-block {
    margin-top: 60px;

    padding-top: 55px;

    border-top: 1px solid rgba(3,42,99,.1);
}

.legal-block li,
.gaps-block li {
    margin-bottom: 20px;
}


/* ============================================================
   FAQ
   ============================================================ */

.faq-list {
    border-top: 1px solid rgba(3,42,99,.12);
}

.faq-list details {
    border-bottom: 1px solid rgba(3,42,99,.12);
}

.faq-list summary {
    position: relative;

    padding: 28px 55px 28px 0;

    color: var(--navy-dark);

    font-size: 1.05rem;

    font-weight: 700;

    cursor: pointer;

    list-style: none;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary::after {
    content: "+";

    position: absolute;

    right: 5px;
    top: 50%;

    transform: translateY(-50%);

    color: var(--teal);

    font-size: 1.5rem;

    font-weight: 400;

    transition: transform .3s ease;
}

.faq-list details[open] summary::after {
    transform:
        translateY(-50%)
        rotate(45deg);
}

.faq-answer {
    max-width: 900px;

    padding:
        0 0 30px;
}

.faq-answer p {
    margin: 0;

    color: var(--text-muted);

    font-size: .98rem;

    line-height: 1.85;
}


/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 991.98px) {

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

    .area-wide {
        grid-column: span 2;
    }

    .law-feature {
        grid-template-columns: 80px minmax(0, 1fr);
    }

    .law-mark {
        display: none;
    }

}


@media (max-width: 767.98px) {

    .premium-content {
        padding: 75px 0;
    }

    .content-intro {
        margin-bottom: 75px;
    }

    .content-intro h2,
    .block-heading h2 {
        font-size: 2.35rem;
    }

    .risk-feature {
        display: block;

        margin-bottom: 75px;

        padding: 45px 0;
    }

    .risk-index {
        margin-bottom: 25px;

        font-size: 3.5rem;
    }

    .law-feature {
        display: block;

        margin-bottom: 80px;

        padding: 40px 28px;
    }

    .law-number {
        margin-bottom: 35px;

        font-size: 3.5rem;
    }

    .law-content h2 {
        font-size: 2.3rem;
    }

    .comparison-grid,
    .mechanism-grid {
        grid-template-columns: 1fr;
    }

    .comparison-panel,
    .overlap-list {
        padding: 30px;
    }

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

    .area-wide {
        grid-column: auto;
    }

    .premium-table {
        min-width: 720px;
    }

    .map-block {
        padding: 30px 22px;
    }

}
/* ============================================================
   BACK TO TOP
   ============================================================ */
.back-to-top {
    position: fixed;
    visibility: hidden;
    opacity: 0;
    right: 30px;
    bottom: 30px;
    z-index: 99999;
    background: var(--navy);
    width: 44px;
    height: 44px;
    border-radius: 50%;
    transition: all 0.4s;
    color: #ffffff;
    text-decoration: none;
    box-shadow: 0px 5px 15px rgba(0, 0, 0, 0.15);
}
.back-to-top i {
    font-size: 28px;
    color: #ffffff;
    line-height: 0;
}
.back-to-top:hover {
    background: var(--teal);
    color: #ffffff;
    transform: translateY(-3px);
}
.back-to-top.active {
    visibility: visible;
    opacity: 1;
}
.faq-block
{margin-bottom: 60px; margin-top: 60px}
/* =========================================================
   RELATED COVERAGES — PREMIUM NAVIGATION
   ========================================================= */

.related-coverages {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    width: 100%;
    margin-top: 2.5rem;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 18px;
    background: rgba(2, 26, 61, 0.72);
    box-shadow:
        0 18px 50px rgba(2, 26, 61, 0.18),
        inset 0 1px 0 rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}

.related-coverage {
    position: relative;
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    min-height: 105px;
    padding: 1.25rem 1.35rem;
    color: #fff;
    text-decoration: none;
    background: transparent;
    overflow: hidden;
    transition: var(--transition);
}

.related-coverage + .related-coverage {
    border-left: 1px solid rgba(255, 255, 255, 0.1);
}

/* subtle hover surface */
.related-coverage::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(0, 167, 157, 0.14),
        rgba(0, 167, 157, 0.03)
    );
    opacity: 0;
    transition: var(--transition);
}

.related-coverage:hover::before {
    opacity: 1;
}

.related-coverage:hover {
    background: rgba(0, 167, 157, 0.06);
    color: #fff;
}


/* NUMBER */

.related-coverage__number {
    position: relative;
    align-self: flex-start;
    margin-right: 1rem;
    padding-top: 1rem;
    color: #fff;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.12em;
}


/* CONTENT */

.related-coverage__content {
    position: relative;
    display: flex;
    flex-direction: column;
    gap: 0.3rem;
    min-width: 0;
}

.related-coverage__label {
    color: rgba(255, 255, 255, 0.96);
    font-size: 0.94rem;
    font-weight: 600;
    line-height: 1.4;
}

.related-coverage__action {
    color: rgba(255, 255, 255, 0.48);
    font-size: 0.7rem;
    font-weight: 500;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    transition: var(--transition);
}

.related-coverage:hover .related-coverage__action {
    color: rgba(255, 255, 255, 0.75);
}


/* ARROW */

.related-coverage__arrow {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    margin-left: 1rem;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 50%;
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.8rem;
    transition: var(--transition);
}

.related-coverage:hover .related-coverage__arrow {
    border-color: var(--teal);
    background: var(--teal);
    color: #fff;
    transform: translate(3px, -3px);
}


/* =========================================================
   LARGE DESKTOP
   ========================================================= */

@media (min-width: 1200px) {

    .related-coverage {
        min-height: 115px;
        padding: 1.5rem 1.6rem;
    }

    .related-coverage__label {
        font-size: 1rem;
    }
}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width: 991.98px) {

    .related-coverages {
        grid-template-columns: 1fr;
    }

    .related-coverage {
        min-height: 90px;
    }

    .related-coverage + .related-coverage {
        border-top: 1px solid rgba(255, 255, 255, 0.1);
        border-left: 0;
    }
}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width: 575.98px) {

    .related-coverages {
        margin-top: 2rem;
        border-radius: 14px;
    }

    .related-coverage {
        min-height: 82px;
        padding: 1rem;
    }

    .related-coverage__number {
        margin-right: 0.75rem;
    }

    .related-coverage__label {
        font-size: 0.88rem;
    }

    .related-coverage__action {
        font-size: 0.65rem;
    }

    .related-coverage__arrow {
        width: 34px;
        height: 34px;
        margin-left: 0.75rem;
    }
}
/* Added CSS classes for Landing Pages */
.content-text { font-size: 1.15rem; color: #444; line-height: 1.8; margin-bottom: 1.5rem; }
.hero-title { font-size: clamp(2.5rem, 3vw, 2rem); letter-spacing: -0.03em; line-height: 1.1; }
.hero-lead { font-size: .9rem; line-height: 1.7; max-width: 600px; }
.hero-bg { background-position: center; background-size: cover; background-repeat: no-repeat; min-height: 80vh; display: flex; align-items: center; }
.hero-overlay { background: linear-gradient(135deg, rgba(3, 42, 99, 0.95) 0%, rgba(3, 42, 99, 0.4) 100%); z-index: 0; }
.related-segments-heading
{color: #fff}
.premium-content h3
{color: var(--teal);}
.premium-content ul li
{margin-top: 10px; margin-left: 30px; position: relative;
  padding-left: 25px;
  margin-bottom: 15px;
  list-style: none;
}
.premium-content ul li::before
{
content: "";
  position: absolute;
  top: .72em;
  left: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal);
}
/* ==================================================
   CUSTOM CSS GRID FOR BLOG
   ================================================== */
.blog-layout-container {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
}

@media (min-width: 992px) {
    .blog-layout-container {
        grid-template-columns: 2fr 1fr;
        align-items: start;
    }
}

.blog-main-content {
    order: 1; /* Match order-lg-1 behavior conceptually, though grid order can do it */
}

@media (min-width: 992px) {
    .blog-main-content {
        order: 0;
    }
    .blog-sidebar {
        order: 1;
    }
}

.blog-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}

@media (min-width: 768px) {
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.blog-card {
    display: flex;
    flex-direction: column;
    height: 100%;
}

/* ==================================================
   ENHANCED BLOG CARDS & PAGINATION
   ================================================== */
.blog-card {
    display: flex;
    flex-direction: column;
    height: 100%;
    border-radius: 0.75rem;
    overflow: hidden;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border: 1px solid rgba(0,0,0,0.08) !important;
    background: #fff;
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 30px rgba(0,0,0,0.08) !important;
}

.blog-card-img-wrapper {
    position: relative;
    width: 100%;
    height: 220px;
    background-color: #f8f9fa;
    overflow: hidden;
}

.blog-card-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.blog-card:hover .blog-card-img {
    transform: scale(1.05);
}

.blog-thumbnail-placeholder {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #f1f3f5 0%, #e9ecef 100%);
    color: #ced4da;
}

.blog-thumbnail-placeholder i {
    font-size: 4rem;
}

.blog-card-body {
    padding: 1.5rem;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.blog-meta {
    font-size: 0.85rem;
    font-weight: 500;
    color: #6c757d;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    flex-wrap: wrap;
}

.blog-category-badge {
    background-color: rgba(13, 110, 253, 0.1);
    color: #0d6efd;
    padding: 0.35rem 0.75rem;
    border-radius: 50rem;
    font-weight: 600;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    width: 100%;
    text-align:center;
}

.blog-title {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.75rem;
    line-height: 1.4;
}

.blog-title a {
    color: #212529;
    text-decoration: none;
    transition: color 0.2s ease;
}
h2.blog-title
{
    font-size: 25px!important;
    line-height: 35px;}
.blog-title a:hover {
    color: #0d6efd;
}

.blog-excerpt {
    color: #6c757d;
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.blog-read-more {
    font-weight: 600;
    font-size: 0.9rem;
    text-decoration: none;
    color: #0d6efd;
    display: inline-flex;
    align-items: center;
    gap: 0.25rem;
    transition: gap 0.2s ease;
}

.blog-read-more:hover {
    gap: 0.5rem;
}

/* Pagination enhancements */
.blog-pagination {
    margin-top: 3rem;
}

.blog-pagination .pagination {
    gap: 0.25rem;
}

.blog-pagination .page-link {
    border: none;
    border-radius: 0.5rem;
    padding: 0.6rem 1.2rem;
    color: #495057;
    font-weight: 600;
    background-color: transparent;
    transition: all 0.2s ease;
}

.blog-pagination .page-link:hover {
    background-color: rgba(13, 110, 253, 0.05);
    color: #0d6efd;
}

.blog-pagination .page-item.active .page-link {
    background-color: #0d6efd;
    color: #fff;
    box-shadow: 0 4px 10px rgba(13, 110, 253, 0.3);
}

.blog-pagination .page-item.disabled .page-link {
    color: #adb5bd;
    background-color: transparent;
}
/* =========================================================
   PREMIUM LEGAL NAVIGATION
   ========================================================= */

.footer-legal-nav {
    position: relative;

    display: grid;
    grid-template-columns: 150px 1fr;
    align-items: center;

    padding: 28px 0;

    border-top: 1px solid rgba(255,255,255,.09);
    border-bottom: 1px solid rgba(255,255,255,.09);
}


/* =========================================================
   HEADING
   ========================================================= */

.footer-legal-nav__heading {
    display: flex;
    align-items: center;
    gap: 9px;

    white-space: nowrap;
}

.footer-legal-nav__eyebrow {
    color: rgba(255,255,255,.38);

    font-size: .72rem;
    font-weight: 500;

    letter-spacing: .02em;
}

.footer-legal-nav__title {
    color: #fff;

    font-size: .74rem;
    font-weight: 600;
}


/* =========================================================
   LINKS
   ========================================================= */

.footer-legal-nav__links {
    display: grid;

    grid-template-columns:
        repeat(5, minmax(0, 1fr));

    align-items: stretch;
}


/* =========================================================
   INDIVIDUAL LINK
   ========================================================= */

.footer-legal-link {
    position: relative;

    display: grid;

    grid-template-columns: auto 1fr auto;

    align-items: center;

    gap: 12px;

    min-height: 48px;

    padding: 5px 20px;

    color: rgba(255,255,255,.55);

    text-decoration: none;

    border-left: 1px solid rgba(255,255,255,.08);

    transition:
        color .35s ease,
        background .35s ease;
}


/* subtle hover panel */

.footer-legal-link::before {
    content: "";

    position: absolute;

    inset: 4px 7px;

    background:
        rgba(255,255,255,.035);

    border-radius: 4px;

    opacity: 0;

    transition: opacity .35s ease;
}

.footer-legal-link:hover::before {
    opacity: 1;
}


/* =========================================================
   NUMBER
   ========================================================= */

.footer-legal-link__number {
    position: relative;
    z-index: 1;

    color: #fff;

    font-size: .58rem;
    font-weight: 700;

    letter-spacing: .08em;

    opacity: .75;
}


/* =========================================================
   TEXT
   ========================================================= */

.footer-legal-link__text {
    position: relative;
    z-index: 1;

    color: rgba(255,255,255,.58);

    font-size: .72rem;
    font-weight: 500;

    line-height: 1.35;

    transition: color .35s ease;
}

.footer-legal-link:hover .footer-legal-link__text {
    color: #fff;
}


/* =========================================================
   ARROW
   ========================================================= */

.footer-legal-link i {
    position: relative;
    z-index: 1;

    color: rgba(255,255,255,1);

    font-size: .68rem;

    opacity: 0;

    transform: translate(-3px, 3px);

    transition:
        opacity .35s ease,
        transform .35s ease,
        color .35s ease;
}

.footer-legal-link:hover i {
    color: #fff;

    opacity: 1;

    transform: translate(0, 0);
}


/* =========================================================
   HOVER LEFT ACCENT
   ========================================================= */

.footer-legal-link:hover {
    color: #fff;
}

.footer-legal-link:hover .footer-legal-link__number {
    color: #fff;
}


/* =========================================================
   DESKTOP REFINEMENT
   ========================================================= */

@media (min-width: 1200px) {

    .footer-legal-nav {
        grid-template-columns: 145px 1fr;
    }

    .footer-legal-link {
        padding-left: 22px;
        padding-right: 22px;
    }

}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width: 1100px) {

    .footer-legal-nav {
        display: block;
    }

    .footer-legal-nav__heading {
        margin-bottom: 18px;
    }

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

    .footer-legal-link {
        border-top: 1px solid rgba(255,255,255,.07);
    }

}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width: 767.98px) {

    .footer-legal-nav {
        padding: 25px 0;
    }

    .footer-legal-nav__heading {
        margin-bottom: 15px;
    }

    .footer-legal-nav__links {
        display: grid;

        grid-template-columns: 1fr;
    }

    .footer-legal-link {
        min-height: 55px;
        padding: 8px 5px;
        border-left: 0;
        border-top: 1px solid rgba(255,255,255,.07);
        display: flex;
    justify-content: space-between;
    }

    .footer-legal-link:first-child {
        border-top: 0;
    }

    .footer-legal-link i {
        opacity: .45;

        transform: none;
    }

    .footer-legal-link__text {
        font-size: .78rem;
    }
    .footer-bottom-nav
    {flex-direction: column; justify-content: center; width: 100%}

}


/* =========================================================
   VERY SMALL MOBILE
   ========================================================= */

/* =========================================================
   OFFICE LOCATION
   ========================================================= */

.office-location {
    position: relative;
    overflow: hidden;
padding-bottom: 90px;
    background: #fff;
}


/* =========================================================
   HEADER
   ========================================================= */

.office-location__header {
    max-width: 750px;

    margin-bottom: 50px;
}

.office-location__eyebrow {
    display: inline-flex;
    align-items: center;

    margin-bottom: 18px;

    color: var(--teal);

    font-size: .65rem;
    font-weight: 700;

    letter-spacing: .2em;

    text-transform: uppercase;
}

.office-location__eyebrow::before {
    content: "";

    width: 32px;
    height: 1px;

    margin-right: 12px;

    background: var(--teal);
}

.office-location__header h2 {
    margin: 0;

    color: var(--navy-dark);

    font-size:
        clamp(2.3rem, 4vw, 4rem);

    line-height: 1;

    letter-spacing: -.055em;
}


/* =========================================================
   MAIN GRID
   ========================================================= */

.office-location__grid {
    display: grid;

    grid-template-columns:
        minmax(0, 1.55fr)
        minmax(320px, .75fr);

    min-height: 500px;

    background: var(--navy-dark);

    box-shadow:
        0 30px 80px rgba(3,42,99,.13);
}


/* =========================================================
   MAP
   ========================================================= */

.office-location__map {
    position: relative;

    min-height: 500px;

    overflow: hidden;

    background: #e9eeee;
}

.office-location__map iframe {
    display: block;

    width: 100%;
    height: 100%;

    min-height: 500px;

    border: 0;

    transition: filter .5s ease;
}

.office-location__map:hover iframe {
    filter:
        grayscale(35%)
        contrast(.96);
}


/* =========================================================
   MAP EDGE
   ========================================================= */

.office-location__map::after {
    content: "";

    position: absolute;

    top: 0;
    right: 0;
    bottom: 0;

    width: 90px;

    background:
        linear-gradient(
            90deg,
            transparent,
            rgba(2,26,61,.18)
        );

    pointer-events: none;
}


/* =========================================================
   DETAILS PANEL
   ========================================================= */

.office-location__details {
    position: relative;

    display: flex;

    align-items: flex-start;

    padding:
        clamp(40px, 5vw, 65px);

    color: #fff;

    background:
        linear-gradient(
            145deg,
            var(--navy-dark) 0%,
            var(--navy) 100%
        );

    overflow: hidden;
}


/* architectural circle */

.office-location__details::before {
    content: "";

    position: absolute;

    width: 380px;
    height: 380px;

    right: -220px;
    bottom: -200px;

    border: 1px solid rgba(255,255,255,.08);

    border-radius: 50%;

    box-shadow:
        0 0 0 50px rgba(255,255,255,.015),
        0 0 0 100px rgba(255,255,255,.01);

    pointer-events: none;
}


/* =========================================================
   NUMBER
   ========================================================= */

.office-location__number {
    position: relative;

    flex-shrink: 0;

    margin-right: 25px;
}

.office-location__number span {
    color: rgba(255,255,255,.12);

    font-size: 3.8rem;
    font-weight: 700;

    line-height: .8;

    letter-spacing: -.08em;
}


/* =========================================================
   CONTENT
   ========================================================= */

.office-location__content {
    position: relative;

    z-index: 2;
}

.office-location__label {
    display: block;

    margin-bottom: 18px;

    color: var(--teal);

    font-size: .63rem;
    font-weight: 700;

    letter-spacing: .18em;

    text-transform: uppercase;
}

.office-location__content h3 {
    margin: 0 0 25px;

    color: #fff;

    font-size:
        clamp(1.8rem, 2.5vw, 2.4rem);

    line-height: 1;

    letter-spacing: -.04em;
}

.office-location__content address {
    margin: 0;

    color: rgba(255,255,255,.7);

    font-size: 1rem;

    font-style: normal;

    line-height: 1.85;
}


/* =========================================================
   DIRECTIONS LINK
   ========================================================= */

.office-location__link {
    display: inline-flex;

    align-items: center;

    gap: 18px;

    margin-top: 38px;

    padding-bottom: 9px;

    color: #fff;

    border-bottom: 1px solid rgba(255,255,255,.2);

    font-size: .72rem;

    font-weight: 700;

    letter-spacing: .12em;

    text-decoration: none;

    text-transform: uppercase;

    transition:
        color .3s ease,
        border-color .3s ease;
}

.office-location__link:hover {
    color: var(--teal);

    border-color: var(--teal);
}


/* =========================================================
   ARROW
   ========================================================= */

.office-location__arrow {
    display: flex;

    align-items: center;
    justify-content: center;

    width: 38px;
    height: 38px;

    margin-bottom: -1px;

    border: 1px solid rgba(255,255,255,.2);

    border-radius: 50%;

    color: #fff;

    font-size: .75rem;

    transition:
        background .35s ease,
        border-color .35s ease,
        color .35s ease,
        transform .4s cubic-bezier(.16,1,.3,1);
}

.office-location__link:hover .office-location__arrow {
    color: var(--navy-dark);

    background: var(--teal);

    border-color: var(--teal);

    transform: translate(3px, -3px);
}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width: 991.98px) {

    .office-location__grid {
        grid-template-columns: 1fr;
    }

    .office-location__map {
        min-height: 420px;
    }

    .office-location__map iframe {
        min-height: 420px;
    }

    .office-location__map::after {
        display: none;
    }

    .office-location__details {
        min-height: 340px;
    }

}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width: 575.98px) {

    .office-location {
        padding: 70px 0;
    }

    .office-location__header {
        margin-bottom: 30px;
    }

    .office-location__header h2 {
        font-size: 2.35rem;
    }

    .office-location__map {
        min-height: 330px;
    }

    .office-location__map iframe {
        min-height: 330px;
    }

    .office-location__details {
        display: block;

        padding: 35px 28px;

        min-height: auto;
    }

    .office-location__number {
        margin: 0 0 30px;
    }

    .office-location__number span {
        font-size: 3rem;
    }

    .office-location__content h3 {
        font-size: 1.9rem;
    }

}
.pmb-4 p
{margin-bottom: 25px}

/* =========================================
   UNDERSTANDING YOUR COVERAGES
========================================= */

.understanding-coverages {
    position: relative;
    overflow: hidden;
    padding: 110px 0;
    background: #fff;
}

.understanding-coverages-header {
    display: grid;
    grid-template-columns: 1fr .8fr;
    gap: 80px;
    align-items: end;
    margin-bottom: 65px;
}

.coverage-eyebrow {
    display: inline-block;
    margin-bottom: 18px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
}

.understanding-coverages-header h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(42px, 5vw, 68px);
    line-height: 1;
    letter-spacing: -.045em;
}

.understanding-coverages-lead {
    max-width: 560px;
}

.understanding-coverages-lead p {
    margin: 0;
    color: var(--text-muted);
    font-size: 18px;
    line-height: 1.8;
}


/* =========================================
   MAIN GRID
========================================= */

.understanding-coverages-main {
    display: grid;
    grid-template-columns: .82fr 1.18fr;
    gap: 70px;
    align-items: stretch;
}


/* =========================================
   IMAGE
========================================= */

.coverage-image-wrap {
    position: relative;
    min-height: 650px;
    overflow: hidden;
    border-radius: 24px;
    background: var(--navy);
    box-shadow: var(--shadow);
}

.coverage-image {
    width: 100%;
    height: 100%;
    min-height: 650px;
    display: block;
    object-fit: cover;
    transition: transform .8s cubic-bezier(.165,.84,.44,1);
}

.coverage-image-wrap:hover .coverage-image {
    transform: scale(1.035);
}

.coverage-image-label {
    position: absolute;
    left: 25px;
    bottom: 25px;
    padding: 13px 20px;
    background: rgba(3, 42, 99, .92);
    border: 1px solid rgba(255, 255, 255, .15);
    border-radius: 50px;
    backdrop-filter: blur(10px);
}

.coverage-image-label span {
    color: #fff;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .08em;
}


/* =========================================
   CONTENT
========================================= */

.coverage-details {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.coverage-detail {
    padding: 35px 0;
    border-bottom: 1px solid rgba(3, 42, 99, .10);
}

.coverage-detail:first-child {
    padding-top: 0;
}

.coverage-detail:last-child {
    border-bottom: 0;
}

.coverage-detail-number {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    color: var(--teal);
    font-size: 12px;
    font-weight: 700;
    border: 1px solid rgba(0, 167, 157, .35);
    border-radius: 50%;
}

.coverage-detail-content h3 {
    margin: 0 0 16px;
    color: var(--navy);
    font-size: 30px;
    line-height: 1.15;
    letter-spacing: -.025em;
}

.coverage-detail-content p {
    margin: 0;
    color: var(--text);
    font-size: 16px;
    line-height: 1.8;
}

.coverage-detail-content strong {
    color: var(--navy);
    font-weight: 800;
}

.coverage-detail-content a {
    color: var(--teal-dark);
    font-weight: 700;
    text-decoration: none;
    border-bottom: 1px solid rgba(0, 167, 157, .35);
    transition: var(--transition);
}

.coverage-detail-content a:hover {
    color: var(--navy);
    border-color: var(--navy);
}


/* =========================================
   CONTRACTOR EXPLANATION
========================================= */

.contractor-explanation {
    margin-top: 28px;
    padding: 27px 30px;
    background: var(--bg-light);
    border-left: 3px solid var(--teal);
    border-radius: 0 14px 14px 0;
}

.contractor-explanation p {
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
}


/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 991.98px) {

    .understanding-coverages {
        padding: 80px 0;
    }

    .understanding-coverages-header {
        grid-template-columns: 1fr;
        gap: 25px;
        margin-bottom: 45px;
    }

    .understanding-coverages-main {
        grid-template-columns: 1fr;
        gap: 50px;
    }

    .coverage-image-wrap,
    .coverage-image {
        min-height: 500px;
    }
}

@media (max-width: 767.98px) {

    .understanding-coverages {
        padding: 65px 0;
    }

    .understanding-coverages-header h2 {
        font-size: 40px;
    }

    .understanding-coverages-lead p {
        font-size: 16px;
    }

    .coverage-image-wrap,
    .coverage-image {
        min-height: 400px;
    }

    .coverage-detail {
        grid-template-columns: 45px 1fr;
        gap: 18px;
        padding: 28px 0;
    }

    .coverage-detail-number {
        width: 40px;
        height: 40px;
    }

    .coverage-detail-content h3 {
        font-size: 25px;
    }

    .coverage-detail-content p {
        font-size: 15px;
        line-height: 1.75;
    }

    .contractor-explanation {
        padding: 22px;
    }
}

/* =========================================
   ACTION OVER CASE STUDY
========================================= */

.action-over-case {
    position: relative;
    overflow: hidden;
    padding: 110px 0;
    background: var(--bg-light);
}

.action-over-case-header {
    max-width: 760px;
    margin-bottom: 70px;
}

.action-over-case-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 18px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
}

.action-over-case-eyebrow::before {
    content: "";
    width: 28px;
    height: 2px;
    background: var(--teal);
}

.action-over-case-header h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(40px, 5vw, 64px);
    line-height: 1.05;
    letter-spacing: -.04em;
}


/* =========================================
   TIMELINE
========================================= */

.action-over-timeline {
    position: relative;
    max-width: 1050px;
    margin: 0 auto;
}

/* vertical connector */
.action-over-timeline::before {
    content: "";
    position: absolute;
    top: 32px;
    bottom: 32px;
    left: 29px;
    width: 1px;
    background: rgba(3, 42, 99, .14);
}

.action-over-step {
    position: relative;
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 35px;
    padding-bottom: 45px;
}

.action-over-step:last-child {
    padding-bottom: 0;
}


/* =========================================
   NUMBER
========================================= */

.action-over-step-marker {
    position: relative;
    z-index: 2;
    width: 60px;
    height: 60px;
    display: grid;
    place-items: center;
    background: var(--bg-light);
    border: 1px solid rgba(3, 42, 99, .16);
    border-radius: 50%;
}

.action-over-step-marker span {
    color: var(--navy);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .05em;
}


/* =========================================
   CONTENT
========================================= */

.action-over-step-content {
    padding: 35px 40px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 20px;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.action-over-step-content:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-hover);
}

.action-over-step-label {
    display: inline-block;
    margin-bottom: 17px;
    color: var(--teal-dark);
    font-size: 18px;
    font-weight: 800;
    letter-spacing: .14em;
    text-transform: uppercase;
}

.action-over-step-content p {
    margin: 0;
    color: var(--text);
    font-size: 16px;
    line-height: 1.85;
}


/* =========================================
   FINAL RISK STEP
========================================= */

.action-over-step-risk .action-over-step-marker {
    color: #fff;
    background: var(--navy);
    border-color: var(--navy);
}

.action-over-step-risk .action-over-step-marker span {
    color: #fff;
}

.action-over-step-risk .action-over-step-content {
    background: var(--navy);
    border-color: var(--navy);
    box-shadow: 0 20px 50px rgba(3, 42, 99, .15);
}

.action-over-step-risk .action-over-step-label {
    color: var(--teal);
}

.action-over-step-risk .action-over-step-content p {
    color: rgba(255, 255, 255, .82);
}


/* =========================================
   PROTECTION MESSAGE
========================================= */

.action-over-protection {
    max-width: 1140px;
    margin: 55px auto 0;
    display: flex;
    align-items: center;
    gap: 22px;
    padding: 28px 32px;
    background: var(--teal);
    border-radius: 18px;
    box-shadow: 0 18px 45px rgba(0, 167, 157, .16);
}

.action-over-protection-icon {
    flex: 0 0 48px;
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(255, 255, 255, .35);
    border-radius: 50%;
    color: #fff;
}

.action-over-protection-icon svg {
    width: 24px;
    height: 24px;
}

.action-over-protection p {
    margin: 0;
    color: #fff;
    font-size: 18px;
    font-weight: 700;
    line-height: 1.5;
}


/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 767.98px) {

    .action-over-case {
        padding: 70px 0;
    }

    .action-over-case-header {
        margin-bottom: 45px;
    }

    .action-over-case-header h2 {
        font-size: 38px;
    }

    .action-over-timeline::before {
        left: 22px;
    }

    .action-over-step {
        grid-template-columns: 45px 1fr;
        gap: 18px;
        padding-bottom: 30px;
    }

    .action-over-step-marker {
        width: 45px;
        height: 45px;
    }

    .action-over-step-content {
        padding: 25px 22px;
        border-radius: 16px;
    }

    .action-over-step-content p {
        font-size: 15px;
        line-height: 1.75;
    }

    .action-over-protection {
        margin-top: 40px;
        padding: 23px;
        align-items: flex-start;
    }

    .action-over-protection p {
        font-size: 16px;
    }
}
/* =========================================
   COMMERCIAL PROPERTY MANAGEMENT
========================================= */

.commercial-property-section {
    position: relative;
    overflow: hidden;
    padding: 110px 0;
    background: #fff;
}


/* =========================================
   HEADER
========================================= */

.commercial-property-header {
    display: grid;
    grid-template-columns: 1fr .85fr;
    gap: 90px;
    margin-bottom: 70px;
}

.commercial-property-title {
    max-width: 700px;
}

.commercial-property-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .17em;
    text-transform: uppercase;
}

.commercial-property-eyebrow::before {
    content: "";
    width: 30px;
    height: 2px;
    background: var(--teal);
}

.commercial-property-title h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(42px, 5vw, 70px);
    line-height: 1;
    letter-spacing: -.045em;
}

.commercial-property-intro {
    max-width: 560px;
}

.commercial-property-intro p {
    margin: 0 0 20px;
    color: var(--text);
    font-size: 17px;
    line-height: 1.8;
}

.commercial-property-intro p:last-child {
    margin-bottom: 0;
}


/* =========================================
   RISK PANEL
========================================= */

.commercial-property-risk {
    position: relative;
    display: grid;
    grid-template-columns: 220px 1fr;
    min-height: 540px;
    overflow: hidden;
    background: var(--navy-dark);
    border-radius: 26px;
    box-shadow: 0 25px 70px rgba(3, 42, 99, .13);
}


/* =========================================
   SIDEBAR
========================================= */

.commercial-risk-sidebar {
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    padding: 38px;
    border-right: 1px solid rgba(255, 255, 255, .09);
}

.commercial-risk-number {
    color: var(--teal);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .12em;
}

.commercial-risk-line {
    width: 1px;
    height: 130px;
    background: rgba(0, 167, 157, .45);
}

.commercial-risk-label {
    max-width: 120px;
    color: rgba(255, 255, 255, .55);
    font-size: 11px;
    font-weight: 700;
    line-height: 1.7;
    letter-spacing: .12em;
    text-transform: uppercase;
}


/* =========================================
   MAIN CONTENT
========================================= */

.commercial-risk-content {
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 70px 85px;
}

.commercial-risk-content::after {
    content: "RISK";
    position: absolute;
    right: 45px;
    bottom: -25px;
    color: rgba(255, 255, 255, .025);
    font-size: 170px;
    font-weight: 800;
    line-height: 1;
    letter-spacing: -.08em;
    pointer-events: none;
}

.commercial-risk-content h3 {
    position: relative;
    z-index: 1;
    margin: 0 0 35px;
    color: #fff;
    font-size: clamp(32px, 4vw, 48px);
    line-height: 1.08;
    letter-spacing: -.035em;
}

.commercial-risk-copy {
    position: relative;
    z-index: 1;
    max-width: 800px;
}

.commercial-risk-copy p {
    margin: 0 0 25px;
    color: rgba(255, 255, 255, .68);
    font-size: 16px;
    line-height: 1.85;
}

.commercial-risk-copy p:last-child {
    margin-bottom: 0;
}

.commercial-risk-copy strong {
    color: #fff;
    font-weight: 800;
}


/* =========================================
   EXTERNAL LINK
========================================= */

.commercial-property-link {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    max-width: 800px;
    margin-top: 35px;
    padding-top: 27px;
    border-top: 1px solid rgba(255, 255, 255, .12);
}

.commercial-link-copy {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
}

.commercial-link-copy span {
    color: rgba(255, 255, 255, .45);
    font-size: 13px;
}

.commercial-link-copy a {
    color: #01a79e;
    font-size: 14px;
    font-weight: 800;
    text-decoration: none;
    transition: var(--transition);
}

.commercial-link-copy a:hover {
    color: #fff;
}

.commercial-link-arrow {
    flex: 0 0 auto;
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    color: #fff;
    border: 1px solid rgba(0, 167, 157, .45);
    border-radius: 50%;
    transition: var(--transition);
}

.commercial-link-arrow svg {
    width: 19px;
    height: 19px;
}

.commercial-link-arrow:hover {
    color: #fff;
    background: #01a79e;
    border-color: var(--teal);
    transform: translateX(4px);
}


/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 991.98px) {

    .commercial-property-section {
        padding: 80px 0;
    }

    .commercial-property-header {
        grid-template-columns: 1fr;
        gap: 25px;
        margin-bottom: 50px;
    }

    .commercial-property-risk {
        grid-template-columns: 150px 1fr;
    }

    .commercial-risk-content {
        padding: 55px 45px;
    }

    .commercial-risk-sidebar {
        padding: 30px;
    }
}


@media (max-width: 767.98px) {

    .commercial-property-section {
        padding: 65px 0;
    }

    .commercial-property-title h2 {
        font-size: 40px;
    }

    .commercial-property-intro p {
        font-size: 15px;
    }

    .commercial-property-risk {
        display: block;
        border-radius: 20px;
    }

    .commercial-risk-sidebar {
        min-height: auto;
        display: flex;
        flex-direction: row;
        align-items: center;
        gap: 18px;
        padding: 22px 25px;
        border-right: 0;
        border-bottom: 1px solid rgba(255, 255, 255, .09);
    }

    .commercial-risk-line {
        width: 35px;
        height: 1px;
    }

    .commercial-risk-label {
        max-width: none;
    }

    .commercial-risk-content {
        padding: 38px 25px;
    }

    .commercial-risk-content h3 {
        font-size: 31px;
        margin-bottom: 25px;
    }

    .commercial-risk-copy p {
        font-size: 15px;
        line-height: 1.75;
    }

    .commercial-property-link {
        align-items: flex-start;
        margin-top: 28px;
    }

    .commercial-link-copy {
        display: block;
    }

    .commercial-link-copy span {
        display: block;
        margin-bottom: 5px;
    }

    .commercial-risk-content::after {
        right: 10px;
        bottom: 10px;
        font-size: 90px;
    }
}
/* =========================================
   HOA / CONDO / CO-OP SECTION
========================================= */

.hoa-section {
    position: relative;
    overflow: hidden;
    padding: 110px 0;
    background: var(--bg-light);
}


/* =========================================
   HEADER
========================================= */

.hoa-section-header {
    display: grid;
    grid-template-columns: 1fr .8fr;
    gap: 80px;
    margin-bottom: 65px;
}

.hoa-heading {
    max-width: 700px;
}

.hoa-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 18px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .18em;
    text-transform: uppercase;
}

.hoa-eyebrow::before {
    content: "";
    width: 30px;
    height: 2px;
    background: var(--teal);
}

.hoa-heading h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(42px, 5vw, 70px);
    line-height: .98;
    letter-spacing: -.045em;
}

.hoa-introduction {
    max-width: 550px;
}

.hoa-introduction p {
    margin: 0 0 25px;
    color: var(--text-muted);
    font-size: 17px;
    line-height: 1.8;
}

.hoa-header-link {
    display: inline-flex;
    align-items: center;
    gap: 14px;
    color: var(--navy);
    font-size: 14px;
    font-weight: 700;
    text-decoration: none;
    transition: var(--transition);
}

.hoa-header-link span {
    width: 38px;
    height: 38px;
    display: grid;
    place-items: center;
    color: #fff;
    background: var(--teal);
    border-radius: 50%;
    transition: var(--transition);
}

.hoa-header-link:hover {
    color: var(--teal-dark);
}

.hoa-header-link:hover span {
    transform: translate(3px, -3px);
    background: var(--teal-dark);
}


/* =========================================
   MAIN LAYOUT
========================================= */

.hoa-layout {
    display: grid;
    grid-template-columns: 330px 1fr;
    gap: 55px;
    align-items: start;
}


/* =========================================
   LEFT NAVIGATION
========================================= */

.hoa-nav {
    position: sticky;
    top: 30px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.hoa-nav-item {
    position: relative;
    width: 100%;
    display: grid;
    grid-template-columns: 42px 1fr 30px;
    gap: 15px;
    align-items: center;
    padding: 21px 20px;
    color: var(--text-muted);
    text-align: left;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 14px;
    cursor: pointer;
    transition: var(--transition);
}

.hoa-nav-item:hover {
    color: var(--navy);
    border-color: rgba(0, 167, 157, .35);
    transform: translateX(4px);
}

.hoa-nav-item.active,
.hoa-nav-item:not(.collapsed) {
    color: #fff;
    background: var(--navy);
    border-color: var(--navy);
    box-shadow: 0 15px 35px rgba(3, 42, 99, .14);
}

.hoa-nav-number {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .08em;
}

.hoa-nav-item.active .hoa-nav-number,
.hoa-nav-item:not(.collapsed) .hoa-nav-number {
    color: #fff;
}

.hoa-nav-title {
    font-size: 14px;
    font-weight: 700;
    line-height: 1.4;
}

.hoa-nav-icon {
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(3, 42, 99, .12);
    border-radius: 50%;
    transition: var(--transition);
}

.hoa-nav-item.active .hoa-nav-icon,
.hoa-nav-item:not(.collapsed) .hoa-nav-icon {
    border-color: rgba(255, 255, 255, .2);
    color: #fff;
    transform: rotate(45deg);
}


/* =========================================
   CONTENT
========================================= */

.hoa-content {
    min-width: 0;
}

.hoa-content-heading {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 25px;
}

.hoa-content-heading span {
    flex: 0 0 auto;
    color: var(--teal-dark);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .16em;
}

.hoa-content-line {
    width: 100%;
    height: 1px;
    background: rgba(3, 42, 99, .10);
}


/* =========================================
   COVERAGE PANEL
========================================= */

.hoa-panel {
    display: grid;
    grid-template-columns: 70px 1fr;
    gap: 30px;
    padding: 40px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .07);
    border-radius: 20px;
    box-shadow: var(--shadow);
}

.hoa-panel-number {
    width: 55px;
    height: 55px;
    display: grid;
    place-items: center;
    color: var(--teal);
    font-size: 13px;
    font-weight: 800;
    border: 1px solid rgba(0, 167, 157, .3);
    border-radius: 50%;
}

.hoa-panel h3 {
    margin: 0 0 18px;
    color: var(--navy);
    font-size: 28px;
    line-height: 1.2;
    letter-spacing: -.025em;
}

.hoa-panel p {
    margin: 0;
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.85;
}


/* =========================================
   EXAMPLE
========================================= */

.hoa-example {
    margin-top: 18px;
    padding: 34px 38px;
    background: var(--navy-dark);
    border-radius: 20px;
    box-shadow: 0 18px 45px rgba(3, 42, 99, .12);
}

.hoa-example-top {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 22px;
}

.hoa-example-icon {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    flex: 0 0 48px;
    color: #fff;
    background: var(--teal);
    border-radius: 12px;
}

.hoa-example-icon i {
    font-size: 21px;
}

.hoa-example-top span {
    display: block;
    margin-bottom: 5px;
    color: var(--teal);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .16em;
}

.hoa-example-top h3 {
    margin: 0;
    color: #fff;
    font-size: 23px;
    line-height: 1.25;
}

.hoa-example > p {
    margin: 0;
    color: rgba(255, 255, 255, .68);
    font-size: 15px;
    line-height: 1.85;
}


/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 991.98px) {

    .hoa-section {
        padding: 80px 0;
    }

    .hoa-section-header {
        grid-template-columns: 1fr;
        gap: 25px;
        margin-bottom: 45px;
    }

    .hoa-layout {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .hoa-nav {
        position: static;
    }

    .hoa-nav-item {
        padding: 18px;
    }
}


@media (max-width: 767.98px) {

    .hoa-section {
        padding: 65px 0;
    }

    .hoa-heading h2 {
        font-size: 40px;
    }

    .hoa-introduction p {
        font-size: 15px;
    }

    .hoa-layout {
        gap: 22px;
    }

    .hoa-nav-item {
        grid-template-columns: 35px 1fr 28px;
        gap: 12px;
        padding: 16px;
    }

    .hoa-nav-title {
        font-size: 13px;
    }

    .hoa-panel {
        grid-template-columns: 1fr;
        gap: 20px;
        padding: 27px 23px;
        border-radius: 16px;
    }

    .hoa-panel h3 {
        font-size: 24px;
    }

    .hoa-panel p {
        font-size: 15px;
        line-height: 1.75;
    }

    .hoa-example {
        padding: 27px 23px;
        border-radius: 16px;
    }

    .hoa-example-top h3 {
        font-size: 20px;
    }
}
/* =========================================================
   LONG-TERM RESIDENTIAL RENTALS
========================================================= */

.rental-section {
    position: relative;
    padding: 110px 0;
    background: #f8fafc;
    border-top: 1px solid rgba(3, 42, 99, 0.08);
}

/* ---------- Heading ---------- */

.rental-heading {
    max-width: 900px;
    margin: 0 auto 65px;
    text-align: center;
}

.rental-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 22px;
    padding: 7px 16px 7px 8px;
    border: 1px solid rgba(0, 167, 157, 0.18);
    border-radius: 100px;
    background: rgba(0, 167, 157, 0.05);
    color: var(--teal-dark);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.rental-eyebrow-icon {
    width: 34px;
    height: 34px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: var(--teal);
    color: #fff;
    font-size: 15px;
}

.rental-heading h3 {
    margin: 0 0 20px;
    color: var(--navy-dark);
    font-size: clamp(34px, 4vw, 52px);
    line-height: 1.08;
    font-weight: 800;
    letter-spacing: -1.5px;
}

.rental-heading p {
    max-width: 820px;
    margin: 0 auto;
    color: var(--text-muted);
    font-size: 17px;
    line-height: 1.85;
}


/* ---------- Main Grid ---------- */

.rental-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 28px;
}


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

.rental-card {
    position: relative;
    overflow: hidden;
    min-width: 0;
    padding: 42px;
    border-radius: 24px;
    transition: var(--transition);
}

.rental-card:hover {
    transform: translateY(-7px);
}

.rental-card-light {
    background: #fff;
    border: 1px solid rgba(3, 42, 99, 0.07);
    box-shadow: 0 15px 50px rgba(3, 42, 99, 0.07);
}

.rental-card-featured {
    background: #fff;
    border: 1px solid rgba(3, 42, 99, 0.08);
    box-shadow: 0 18px 55px rgba(3, 42, 99, 0.09);
}


/* ---------- Card Header ---------- */

.rental-card-top {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 30px;
}

.rental-icon {
    width: 58px;
    height: 58px;
    flex: 0 0 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 17px;
    background: rgba(0, 167, 157, 0.10);
    color: var(--teal);
    font-size: 25px;
}

.rental-icon-dark {
    background: var(--navy);
    color: #fff;
}

.rental-label {
    display: block;
    margin-bottom: 4px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
}

.rental-card h4 {
    margin: 0;
    color: var(--navy-dark);
    font-size: 20px;
    line-height: 1.2;
}

.rental-intro {
    margin: 0 0 32px;
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.8;
}


/* ---------- Information Blocks ---------- */

.rental-info-block {
    display: grid;
    grid-template-columns: 34px 1fr;
    gap: 16px;
    margin-bottom: 28px;
}

.rental-number {
    width: 34px;
    height: 34px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #f1f5f9;
    color: var(--navy);
    font-size: 12px;
    font-weight: 800;
}

.rental-info-block h5 {
    margin: 2px 0 9px;
    color: var(--navy-dark);
    font-size: 17px;
    font-weight: 800;
}

.rental-info-block p {
    margin: 0;
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
}


/* ---------- Action Over ---------- */

.action-over-box {
    margin-top: 35px;
    padding: 25px;
    border-radius: 18px;
    background: #f8fafc;
    border: 1px solid rgba(3, 42, 99, 0.07);
}

.action-over-heading {
    display: flex;
    align-items: center;
    gap: 11px;
    margin-bottom: 13px;
}

.action-over-heading i {
    color: #d97706;
    font-size: 20px;
}

.action-over-heading h6 {
    margin: 0;
    color: var(--navy-dark);
    font-size: 15px;
    font-weight: 800;
}

.action-over-box p {
    margin: 0 0 15px;
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.75;
}

.action-over-box a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: var(--teal-dark);
    font-size: 13px;
    font-weight: 800;
    text-decoration: none;
    transition: var(--transition);
}

.action-over-box a:hover {
    color: var(--navy);
    gap: 10px;
}


/* ---------- Note ---------- */

.rental-note {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 38px;
    padding: 17px 19px;
    border-radius: 14px;
    background: rgba(0, 167, 157, 0.055);
    border: 1px solid rgba(0, 167, 157, 0.14);
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.7;
}

.rental-note i {
    flex: 0 0 auto;
    margin-top: 2px;
    color: var(--teal);
    font-size: 17px;
}

.rental-note strong {
    color: var(--navy-dark);
}


/* ---------- Coverage ---------- */

.coverage-header {
    margin-bottom: 22px;
}

.coverage-header span {
    display: block;
    margin-bottom: 5px;
    color: var(--teal);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1.8px;
    text-transform: uppercase;
}

.coverage-header h5 {
    margin: 0;
    color: var(--navy-dark);
    font-size: 20px;
    font-weight: 800;
}

.coverage-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.coverage-list li {
    display: flex;
    align-items: flex-start;
    gap: 13px;
    padding: 17px 0;
    border-bottom: 1px solid rgba(3, 42, 99, 0.07);
}

.coverage-list li:last-child {
    border-bottom: 0;
}

.coverage-check {
    width: 25px;
    height: 25px;
    flex: 0 0 25px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 1px;
    border-radius: 50%;
    background: rgba(0, 167, 157, 0.10);
    color: var(--teal);
    font-size: 13px;
}

.coverage-list strong {
    display: block;
    margin-bottom: 3px;
    color: var(--navy-dark);
    font-size: 14px;
    font-weight: 800;
}

.coverage-list p {
    margin: 0;
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.65;
}


/* ---------- Recommendations ---------- */

.recommendation-box {
    margin-top: 30px;
    padding: 24px;
    border-radius: 17px;
    background: var(--navy-dark);
    color: #fff;
}

.recommendation-label {
    display: block;
    margin-bottom: 7px;
    color: var(--teal);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1.8px;
    text-transform: uppercase;
}

.recommendation-box h5 {
    margin: 0 0 12px;
    color: #fff;
    font-size: 17px;
    font-weight: 800;
}

.recommendation-box p {
    margin: 0;
    color: rgba(255, 255, 255, 0.72);
    font-size: 13px;
    line-height: 1.75;
}


/* ---------- Multi Family ---------- */

.multi-family-card {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 35px;
    margin-top: 28px;
    padding: 42px 45px;
    border-radius: 24px;
    background: var(--navy);
    box-shadow: 0 22px 60px rgba(3, 42, 99, 0.17);
}

.multi-family-icon {
    width: 72px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
    font-size: 30px;
}

.multi-family-label {
    display: block;
    margin-bottom: 6px;
    color: var(--teal);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 2px;
}

.multi-family-content h4 {
    margin: 0 0 10px;
    color: #fff;
    font-size: 25px;
    font-weight: 800;
}

.multi-family-content > p {
    max-width: 720px;
    margin: 0;
    color: rgba(255, 255, 255, 0.72);
    font-size: 15px;
    line-height: 1.75;
}

.multi-family-divider {
    width: 100%;
    max-width: 720px;
    height: 1px;
    margin: 20px 0;
    background: rgba(255, 255, 255, 0.13);
}

.multi-family-quote {
    font-style: italic;
}

.multi-family-action a {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    white-space: nowrap;
    padding: 15px 22px;
    border-radius: 100px;
    background: #fff;
    color: var(--navy);
    font-size: 13px;
    font-weight: 800;
    text-decoration: none;
    transition: var(--transition);
}

.multi-family-action a:hover {
    transform: translateY(-2px);
    background: var(--teal);
    color: #fff;
}

.multi-family-action i {
    transition: var(--transition);
}

.multi-family-action a:hover i {
    transform: translateX(4px);
}


/* =========================================================
   RESPONSIVE
========================================================= */

@media (max-width: 991.98px) {

    .rental-section {
        padding: 80px 0;
    }

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

    .multi-family-card {
        grid-template-columns: auto 1fr;
    }

    .multi-family-action {
        grid-column: 1 / -1;
    }

}

@media (max-width: 767.98px) {

    .rental-section {
        padding: 65px 0;
    }

    .rental-heading {
        margin-bottom: 45px;
    }

    .rental-heading h3 {
        font-size: 34px;
    }

    .rental-heading p {
        font-size: 15px;
        line-height: 1.75;
    }

    .rental-card {
        padding: 28px 22px;
        border-radius: 20px;
    }

    .rental-card h4 {
        font-size: 22px;
    }

    .multi-family-card {
        grid-template-columns: 1fr;
        gap: 22px;
        padding: 30px 24px;
        border-radius: 20px;
    }

    .multi-family-action {
        grid-column: auto;
    }

    .multi-family-action a {
        width: 100%;
        justify-content: center;
    }

}

@media (max-width: 480px) {

    .rental-eyebrow {
        font-size: 10px;
        letter-spacing: 1px;
    }

    .rental-heading h3 {
        font-size: 30px;
    }

    .rental-card-top {
        align-items: flex-start;
    }

    .rental-icon {
        width: 50px;
        height: 50px;
        flex-basis: 50px;
        font-size: 21px;
    }

    .action-over-box,
    .recommendation-box {
        padding: 20px;
    }

}
/* =========================================================
   LOCATION DIRECTORY
========================================================= */

.locations-section {
    padding: 110px 0;
    background: #f8fafc;
    border-top: 1px solid rgba(3, 42, 99, 0.07);
}


/* ---------- Heading ---------- */

.locations-heading {
    max-width: 850px;
    margin: 0 auto 65px;
    text-align: center;
}

.locations-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 22px;
    padding: 7px 15px 7px 8px;
    border: 1px solid rgba(0, 167, 157, 0.18);
    border-radius: 100px;
    background: rgba(0, 167, 157, 0.05);
    color: var(--teal-dark);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1.7px;
    text-transform: uppercase;
}

.locations-eyebrow i {
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: var(--teal);
    color: #fff;
    font-size: 14px;
}

.locations-heading h2 {
    margin: 0 0 18px;
    color: var(--navy-dark);
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.08;
    font-weight: 800;
    letter-spacing: -1.5px;
}

.locations-heading p {
    max-width: 680px;
    margin: 0 auto;
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.8;
}


/* ---------- Grid ---------- */

.locations-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}


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

.location-card {
    position: relative;
    display: flex;
    gap: 18px;
    min-height: 205px;
    padding: 28px;
    overflow: hidden;
    border: 1px solid rgba(3, 42, 99, 0.07);
    border-radius: 20px;
    background: #fff;
    box-shadow: 0 12px 35px rgba(3, 42, 99, 0.055);
    transition: var(--transition);
}

.location-card:hover {
    transform: translateY(-6px);
    border-color: rgba(0, 167, 157, 0.20);
    box-shadow: 0 22px 50px rgba(3, 42, 99, 0.11);
}


/* ---------- Number ---------- */

.location-number {
    position: absolute;
    top: 18px;
    right: 22px;
    color: rgba(3, 42, 99, 0.08);
    font-size: 13px;
    font-weight: 900;
    letter-spacing: 1px;
}


/* ---------- Icon ---------- */

.location-icon {
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 14px;
    background: rgba(0, 167, 157, 0.09);
    color: var(--teal);
    font-size: 20px;
    transition: var(--transition);
}

.location-card:hover .location-icon {
    background: var(--navy);
    color: #fff;
    transform: scale(1.05);
}


/* ---------- Content ---------- */

.location-content {
    min-width: 0;
    padding-top: 1px;
}

.location-content h3 {
    margin: 0 35px 12px 0;
    color: var(--navy-dark);
    font-size: 18px;
    line-height: 1.25;
    font-weight: 800;
}

.location-page {
    display: inline-flex;
    display: none;
    align-items: center;
    gap: 6px;
    margin-bottom: 18px;
    color: var(--teal-dark);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .4px;
    text-decoration: none;
    transition: var(--transition);
}

.location-page i {
    font-size: 12px;
    transition: var(--transition);
}

.location-page:hover {
    color: var(--navy);
}

.location-page:hover i {
    transform: translate(2px, -2px);
}


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

.location-address {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.65;
    text-decoration: none;
    transition: var(--transition);
}

.location-address i {
    flex: 0 0 auto;
    margin-top: 3px;
    color: var(--teal);
    font-size: 14px;
}

.location-address:hover {
    color: var(--navy);
}


/* =========================================================
   RESPONSIVE
========================================================= */

@media (max-width: 1199.98px) {

    .locations-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

}

@media (max-width: 767.98px) {

    .locations-section {
        padding: 75px 0;
    }

    .locations-heading {
        margin-bottom: 45px;
    }

    .locations-heading h2 {
        font-size: 34px;
    }

    .locations-heading p {
        font-size: 15px;
    }

    .locations-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .location-card {
        min-height: auto;
        padding: 25px;
    }

}

@media (max-width: 420px) {

    .location-card {
        gap: 14px;
        padding: 22px;
    }

    .location-icon {
        width: 43px;
        height: 43px;
        flex-basis: 43px;
        font-size: 18px;
    }

    .location-content h3 {
        font-size: 17px;
    }

}

.coverage-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1px;
    background: rgba(3, 42, 99, 0.12);
    border: 1px solid rgba(3, 42, 99, 0.12);
    overflow: hidden;
}

.coverage-item {
    position: relative;
    padding: 22px 24px 20px;
    background: #fff;
    min-height: 390px;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
}

.coverage-item:hover {
    background: #fbfdff;
    transform: translateY(-3px);
    z-index: 2;
    box-shadow: 0 18px 45px rgba(3, 42, 99, 0.10);
}

.coverage-item-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 34px;
}

.coverage-number {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .14em;
    color: var(--text-muted);
}

.coverage-item-top i {
    width: 52px;
    height: 52px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: rgba(0, 167, 157, .09);
    color: var(--teal);
    font-size: 23px;
    transition: var(--transition);
}

.coverage-item:hover .coverage-item-top i {
    background: var(--teal);
    color: #fff;
    transform: rotate(-4deg);
}

.coverage-item h3 {
    margin: 0 0 17px;
    color: var(--navy);
    font-size: 24px;
    line-height: 1.25;
    font-weight: 700;
    letter-spacing: -.025em;
}

.coverage-item p {
    margin: 0 0 14px;
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
}

.coverage-link {
    margin-top: auto;
    padding-top: 28px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    width: fit-content;
    color: var(--navy);
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    letter-spacing: .02em;
    transition: var(--transition);
}

.coverage-link i {
    font-size: 15px;
    color: var(--teal);
    transition: var(--transition);
}

.coverage-link:hover {
    color: var(--teal);
}

.coverage-link:hover i {
    transform: translate(4px, -4px);
}

.coverage-item-featured {
    background: var(--navy);
}

.coverage-item-featured:hover {
    background: var(--navy-dark);
}

.coverage-item-featured .coverage-number {
    color: rgba(255, 255, 255, .55);
}

.coverage-item-featured .coverage-item-top i {
    background: rgba(0, 167, 157, .16);
    color: var(--teal);
}

.coverage-item-featured h3 {
    color: #fff;
}

.coverage-item-featured p {
    color: rgba(255, 255, 255, .72);
}

.coverage-item-featured .coverage-link {
    color: #fff;
}

@media (max-width: 767px) {
    .coverage-grid {
        grid-template-columns: 1fr;
    }

    .coverage-item {
        min-height: 0;
        padding: 32px 28px;
    }

    .coverage-item h3 {
        font-size: 21px;
    }
}
.sr-only 
{display: none;}

.coverage-review-cta {
    position: relative;
    padding: 100px 0;
    background-image: url("../img/cta-bg.jpg");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    isolation: isolate;
}

.coverage-review-cta::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(3, 42, 99, 0.22);
    z-index: -1;
}

.coverage-review-panel {
    position: relative;
    display: grid;
    grid-template-columns: 90px minmax(0, 1fr) auto;
    align-items: center;
    gap: 48px;
    padding: 48px 52px;

    /* transparent black */
    background: rgba(0, 0, 0, 0.58);

    /* glass effect */
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);

    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 24px;

    /* drop shadow */
    filter: drop-shadow(0 24px 40px rgba(0, 0, 0, 0.28));

    overflow: hidden;
}

.coverage-review-mark {
    position: relative;
    z-index: 1;
    align-self: stretch;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    align-items: flex-start;
}

.coverage-review-mark span {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .16em;
    color: rgba(255, 255, 255, .48);
}

.coverage-review-mark i {
    width: 54px;
    height: 54px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(0, 167, 157, .45);
    border-radius: 15px;
    color: var(--teal);
    font-size: 22px;
    background: rgba(0, 167, 157, .10);
}

.coverage-review-copy {
    position: relative;
    z-index: 1;
    max-width: 760px;
}

.coverage-review-eyebrow {
    display: block;
    margin-bottom: 16px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .18em;
}

.coverage-review-copy p {
    margin: 0;
    color: rgba(255, 255, 255, .88);
    font-size: 17px;
    line-height: 1.75;
}

.coverage-review-action {
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: flex-end;
}

.coverage-review-button {
    min-width: 225px;
    min-height: 58px;
    padding: 0 22px 0 25px;
    display: inline-flex;
    align-items: center;
    justify-content: space-between;
    gap: 25px;

    background: #fff;
    border: 1px solid rgba(255, 255, 255, .3);
    border-radius: 13px;

    color: var(--navy);
    text-decoration: none;
    font-size: 13px;
    font-weight: 750;

    transition: var(--transition);
}

.coverage-review-button i {
    width: 32px;
    height: 32px;
    display: grid;
    place-items: center;
    border-radius: 9px;
    background: var(--teal);
    color: #fff;
    font-size: 14px;
    transition: var(--transition);
}

.coverage-review-button:hover {
    color: #01a79e;
    transform: translateY(-3px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, .25);
}

.coverage-review-button:hover i {
    transform: translate(3px, -3px);
}

@media (max-width: 991px) {
    .coverage-review-panel {
        grid-template-columns: 70px 1fr;
        gap: 30px;
    }

    .coverage-review-action {
        grid-column: 2;
        justify-content: flex-start;
    }
}

@media (max-width: 575px) {
    .coverage-review-cta {
        padding: 60px 0;
    }

    .coverage-review-panel {
        grid-template-columns: 1fr;
        gap: 26px;
        padding: 34px 28px;
        border-radius: 20px;
    }

    .coverage-review-mark {
        flex-direction: row;
        align-items: center;
    }

    .coverage-review-action {
        grid-column: auto;
    }

    .coverage-review-button {
        width: 100%;
        min-width: 0;
    }

    .coverage-review-copy p {
        font-size: 15px;
        line-height: 1.7;
    }
}
.one-line-section {
    padding: 110px 0;
    background: #fff;
}

.one-line-grid {
    display: grid;
    grid-template-columns: .85fr 1.15fr;
    gap: 90px;
    align-items: center;
}

.one-line-title {
    position: relative;
}

.one-line-label {
    display: block;
    margin-bottom: 22px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .18em;
}

.one-line-title h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(38px, 4vw, 62px);
    line-height: 1.04;
    letter-spacing: -.045em;
    font-weight: 700;
}

.one-line-content {
    position: relative;
    padding: 48px 52px;
    background: var(--bg-light);
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 22px;
    box-shadow: var(--shadow);
}

.one-line-icon {
    width: 56px;
    height: 56px;
    margin-bottom: 30px;
    display: grid;
    place-items: center;
    border-radius: 15px;
    background: var(--navy);
    color: var(--teal);
    font-size: 22px;
}

.one-line-content h3 {
    margin: 0 0 18px;
    color: var(--navy);
    font-size: 25px;
    line-height: 1.25;
    font-weight: 700;
    letter-spacing: -.02em;
}

.one-line-content p {
    margin: 0;
    max-width: 700px;
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.85;
}

@media (max-width: 991px) {
    .one-line-grid {
        grid-template-columns: 1fr;
        gap: 45px;
    }

    .one-line-title h2 {
        font-size: 44px;
    }
}

@media (max-width: 575px) {
    .one-line-section {
        padding: 70px 0;
    }

    .one-line-title h2 {
        font-size: 36px;
    }

    .one-line-content {
        padding: 32px 28px;
        border-radius: 18px;
    }

    .one-line-content p {
        font-size: 15px;
        line-height: 1.75;
    }
}

.offices-markets {
    padding: 110px 0;
    background: var(--bg-light);
}

.offices-heading {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 50px;
    margin-bottom: 55px;
}

.offices-heading > div span {
    display: block;
    margin-bottom: 17px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .18em;
}

.offices-heading h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(42px, 5vw, 68px);
    line-height: 1;
    letter-spacing: -.05em;
}

.offices-heading p {
    max-width: 330px;
    margin: 0 0 5px;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.75;
}


/* CARDS */

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

.office-card {
    position: relative;
    min-height: 350px;
    padding: 30px;
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 20px;
    box-shadow: 0 8px 30px rgba(3, 42, 99, .045);
    overflow: hidden;
    transition: var(--transition);
}

.office-card:hover {
    transform: translateY(-7px);
    border-color: rgba(0, 167, 157, .3);
    box-shadow: 0 22px 50px rgba(3, 42, 99, .12);
}

.office-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.office-card-header span {
    color: rgba(3, 42, 99, .35);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .15em;
}

.office-card-header i {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: #eef8f7;
    color: var(--teal);
    font-size: 20px;
    transition: var(--transition);
}

.office-card:hover .office-card-header i {
    background: var(--teal);
    color: #fff;
    transform: rotate(-5deg);
}

.office-card-body {
    margin-top: 42px;
}

.office-card-body h3 {
    margin: 0 0 14px;
    color: var(--navy);
    font-size: 25px;
    line-height: 1.15;
    font-weight: 700;
    letter-spacing: -.03em;
}

.office-card-body p {
    max-width: 290px;
    margin: 0;
    color: var(--text-muted);
    line-height: 1.75;
}

.office-card-footer {
    margin-top: auto;
    padding-top: 30px;
    display: flex;
    align-items: center;
    gap: 24px;
    border-top: 1px solid rgba(3, 42, 99, .08);
}

.office-card-footer a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: var(--navy);
    font-weight: 750;
    text-decoration: none;
    transition: var(--transition);
}

.office-card-footer a:last-child {
    color: var(--text-muted);
}

.office-card-footer i {
    color: var(--teal);
    font-size: 12px;
    transition: var(--transition);
}

.office-card-footer a:hover {
    color: var(--teal);
}

.office-card-footer a:hover i {
    transform: translate(3px, -3px);
}


/* CTA */

.offices-cta {
    margin-top: 18px;
    padding: 34px 38px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    background: var(--navy);
    border-radius: 20px;
}

.offices-cta span {
    display: block;
    margin-bottom: 7px;
    color: var(--teal);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .17em;
}

.offices-cta h3 {
    margin: 0;
    color: #fff;
    font-size: 24px;
    font-weight: 650;
}

.offices-cta > a {
    min-height: 54px;
    padding: 0 17px 0 22px;
    display: inline-flex;
    align-items: center;
    gap: 22px;
    background: #fff;
    border-radius: 11px;
    color: var(--navy);
    font-size: 12px;
    font-weight: 750;
    text-decoration: none;
    white-space: nowrap;
    transition: var(--transition);
}

.offices-cta > a i {
    width: 31px;
    height: 31px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: var(--teal);
    color: #fff;
    transition: var(--transition);
}

.offices-cta > a:hover {
    transform: translateY(-3px);
    box-shadow: 0 14px 30px rgba(0, 0, 0, .2);
}

.offices-cta > a:hover i {
    transform: translate(3px, -3px);
}


/* TABLET */

@media (max-width: 991px) {
    .offices-cards {
        grid-template-columns: repeat(2, 1fr);
    }

    .offices-heading {
        align-items: flex-start;
        flex-direction: column;
        gap: 25px;
    }
}


/* MOBILE */

@media (max-width: 575px) {
    .offices-markets {
        padding: 70px 0;
    }

    .offices-cards {
        grid-template-columns: 1fr;
    }

    .office-card {
        min-height: 320px;
    }

    .offices-cta {
        padding: 28px;
        align-items: flex-start;
        flex-direction: column;
    }

    .offices-cta > a {
        width: 100%;
        justify-content: space-between;
    }
}

.reviews-section {
    padding: 120px 0;
    background: #fff;
}


/* =========================
   INTRO
========================= */

.reviews-intro {
    padding-bottom: 105px;
    border-bottom: 1px solid rgba(3, 42, 99, 0.08);
}

.reviews-intro-label,
.reviews-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.reviews-intro-label span {
    width: 28px;
    height: 2px;
    background: var(--teal);
}

.reviews-intro-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
    gap: 90px;
    margin-top: 30px;
}

.reviews-intro-grid h2 {
    margin: 0;
    max-width: 620px;
    color: var(--navy);
    font-size: clamp(40px, 4.2vw, 62px);
    line-height: 1.02;
    font-weight: 700;
    letter-spacing: -0.045em;
}

.reviews-intro-copy {
    max-width: 680px;
    padding-top: 6px;
}

.reviews-intro-copy p {
    margin: 0 0 24px;
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.9;
}

.reviews-intro-copy p:last-child {
    margin-bottom: 0;
}


/* =========================
   THEMES
========================= */

.reviews-themes {
    padding: 105px 0;
}

.reviews-section-heading {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(300px, 0.65fr);
    align-items: end;
    gap: 70px;
    margin-bottom: 48px;
}

.reviews-section-heading h2 {
    margin: 14px 0 0;
    color: var(--navy);
    font-size: clamp(34px, 3.5vw, 50px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -0.04em;
}

.reviews-section-heading > p {
    max-width: 520px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}


/* Cards */

.review-theme-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.review-theme-card {
    min-height: 330px;
    padding: 32px;
    display: flex;
    flex-direction: column;
    background: var(--bg-light);
    border: 1px solid rgba(3, 42, 99, 0.07);
    border-radius: 22px;
    transition: var(--transition);
}

.review-theme-card:hover {
    transform: translateY(-6px);
    background: #fff;
    border-color: rgba(0, 167, 157, 0.25);
    box-shadow: var(--shadow-hover);
}

.review-theme-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.review-theme-number {
    color: rgba(3, 42, 99, 0.35);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.12em;
}

.review-theme-top i {
    width: 50px;
    height: 50px;
    display: grid;
    place-items: center;
    border-radius: 15px;
    background: rgba(0, 167, 157, 0.09);
    color: var(--teal);
    font-size: 20px;
    transition: var(--transition);
}

.review-theme-card:hover .review-theme-top i {
    background: var(--teal);
    color: #fff;
    transform: rotate(-4deg);
}



.review-theme-content h3 {
    max-width: 430px;
    margin: 0 0 16px;
    color: var(--navy);
    font-size: 25px;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.025em;
}

.review-theme-content p {
    max-width: 560px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.8;
}


/* =========================
   PUBLISHED REVIEWS
========================= */

.published-reviews {
    padding: 105px 0;
    border-top: 1px solid rgba(3, 42, 99, 0.08);
}

.published-reviews-heading {
    display: grid;
    grid-template-columns: 0.7fr 1.3fr;
    gap: 70px;
    align-items: end;
    margin-bottom: 45px;
}

.published-reviews-heading h2 {
    margin: 12px 0 0;
    color: var(--navy);
    font-size: clamp(38px, 4vw, 54px);
    line-height: 1;
    font-weight: 700;
    letter-spacing: -0.04em;
}

.published-reviews-heading p {
    max-width: 680px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}

.reviews-placeholder {
    display: flex;
    align-items: center;
    gap: 28px;
    min-height: 190px;
    padding: 42px;
    background: var(--navy);
    border-radius: 22px;
    box-shadow: var(--shadow);
}

.reviews-placeholder > i {
    flex: 0 0 62px;
    width: 62px;
    height: 62px;
    display: grid;
    place-items: center;
    border-radius: 17px;
    background: rgba(255, 255, 255, 0.1);
    color: var(--teal);
    font-size: 25px;
}

.reviews-placeholder span {
    color: rgba(255, 255, 255, 0.55);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.16em;
}

.reviews-placeholder p {
    max-width: 780px;
    margin: 10px 0 0;
    color: rgba(255, 255, 255, 0.85);
    font-size: 15px;
    line-height: 1.8;
}


/* =========================
   LEAVE A REVIEW
========================= */

.leave-review-card {
    display: grid;
    grid-template-columns: 70px minmax(0, 1fr) auto;
    align-items: center;
    gap: 30px;
    padding: 40px 44px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, 0.09);
    border-radius: 22px;
    box-shadow: 0 15px 45px rgba(3, 42, 99, 0.07);
}

.leave-review-icon {
    width: 66px;
    height: 66px;
    display: grid;
    place-items: center;
    border-radius: 18px;
    background: #f3f7fb;
    color: var(--navy);
    font-size: 25px;
}

.leave-review-content h2 {
    margin: 8px 0 10px;
    color: var(--navy);
    font-size: 27px;
    line-height: 1.1;
    font-weight: 700;
    letter-spacing: -0.03em;
}

.leave-review-content p {
    max-width: 700px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.75;
}

.review-primary-btn,
.reference-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    min-height: 52px;
    padding: 0 23px;
    border-radius: 10px;
    background: var(--teal);
    color: #fff;
    font-size: 12px;
    font-weight: 800;
    text-decoration: none;
    white-space: nowrap;
    transition: var(--transition);
}

.review-primary-btn:hover,
.reference-btn:hover {
    background: var(--teal-dark);
    color: #fff;
    transform: translateY(-2px);
}

.review-primary-btn i,
.reference-btn i {
    transition: var(--transition);
}

.review-primary-btn:hover i {
    transform: translate(3px, -3px);
}


/* =========================
   REFERENCE
========================= */

.reference-section {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 60px;
    margin-top: 18px;
    padding: 65px 60px;
    overflow: hidden;
    border-radius: 24px;
    background: var(--navy-dark);
}

.reference-copy {
    position: relative;
    z-index: 1;
    max-width: 760px;
}

.reference-copy .reviews-eyebrow {
    color: var(--teal);
}

.reference-copy h2 {
    margin: 13px 0 16px;
    color: #fff;
    font-size: clamp(32px, 3.5vw, 48px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -0.04em;
}

.reference-copy p {
    max-width: 720px;
    margin: 0;
    color: rgba(255, 255, 255, 0.68);
    font-size: 14px;
    line-height: 1.85;
}

.reference-btn {
    position: relative;
    z-index: 1;
    background: #fff;
    color: var(--navy);
}

.reference-btn:hover {
    background: #fff;
    color: var(--navy);
}


/* =========================
   RESPONSIVE
========================= */

@media (max-width: 991px) {

    .reviews-section {
        padding: 90px 0;
    }

    .reviews-intro-grid,
    .reviews-section-heading,
    .published-reviews-heading {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .review-theme-grid {
        grid-template-columns: 1fr 1fr;
    }

    .leave-review-card {
        grid-template-columns: 65px 1fr;
    }

    .review-primary-btn {
        grid-column: 2;
        justify-self: start;
    }

    .reference-section {
        grid-template-columns: 1fr;
        gap: 30px;
        padding: 50px 40px;
    }
}


@media (max-width: 767px) {

    .reviews-section {
        padding: 70px 0;
    }

    .reviews-intro {
        padding-bottom: 70px;
    }

    .reviews-themes,
    .published-reviews {
        padding: 70px 0;
    }

    .review-theme-grid {
        grid-template-columns: 1fr;
    }

    .review-theme-card {
        min-height: 300px;
    }

    .leave-review-card {
        grid-template-columns: 1fr;
        padding: 32px;
    }

    .review-primary-btn {
        grid-column: auto;
        width: 100%;
    }

    .reference-section {
        padding: 40px 28px;
    }

    .reference-btn {
        width: 100%;
    }

    .reviews-placeholder {
        align-items: flex-start;
        flex-direction: column;
        padding: 32px;
    }
}


@media (max-width: 480px) {

    .reviews-intro-grid h2 {
        font-size: 38px;
    }

    .reviews-section-heading h2 {
        font-size: 34px;
    }

    .review-theme-card {
        padding: 26px;
    }

    .review-theme-content {
        padding-top: 48px;
    }

    .leave-review-card {
        padding: 28px;
    }
}

.coverage-review-detail {
    padding: 115px 0;
    background: var(--bg-light);
}


/* =========================
   HEADING
========================= */

.coverage-detail-heading {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 50px;
    margin-bottom: 55px;
}

.coverage-detail-eyebrow {
    display: inline-block;
    color: var(--teal);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.coverage-detail-heading h2 {
    margin: 13px 0 0;
    color: var(--navy);
    font-size: clamp(42px, 4.5vw, 62px);
    line-height: 1;
    font-weight: 700;
    letter-spacing: -0.045em;
}

.coverage-detail-link {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding-bottom: 7px;
    color: var(--navy);
    border-bottom: 1px solid rgba(3, 42, 99, 0.25);
    font-size: 12px;
    font-weight: 800;
    text-decoration: none;
    transition: var(--transition);
}

.coverage-detail-link:hover {
    color: var(--teal);
    border-color: var(--teal);
}

.coverage-detail-link i {
    font-size: 13px;
}


/* =========================
   WHAT WE LOOK AT
========================= */

.coverage-check-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border-top: 1px solid rgba(3, 42, 99, 0.1);
    border-left: 1px solid rgba(3, 42, 99, 0.1);
}

.coverage-check-card {
    min-height: 335px;
    padding: 30px;
    background: #fff;
    border-right: 1px solid rgba(3, 42, 99, 0.1);
    border-bottom: 1px solid rgba(3, 42, 99, 0.1);
    transition: var(--transition);
}

.coverage-check-card:hover {
    position: relative;
    z-index: 2;
    transform: translateY(-5px);
    box-shadow: 0 20px 45px rgba(3, 42, 99, 0.1);
}

.coverage-check-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.coverage-check-top span {
    color: rgba(3, 42, 99, 0.38);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
}

.coverage-check-top i {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: rgba(0, 167, 157, 0.09);
    color: var(--teal);
    font-size: 20px;
    transition: var(--transition);
}

.coverage-check-card:hover .coverage-check-top i {
    background: var(--teal);
    color: #fff;
    transform: rotate(-4deg);
}

.coverage-check-card h3 {
    margin: 55px 0 15px;
    color: var(--navy);
    font-size: 22px;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.025em;
}

.coverage-check-card p {
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.8;
}


/* =========================
   REVIEW PROCESS
========================= */

.coverage-review-process {
    display: grid;
    grid-template-columns: 1fr 1fr;
    margin-top: 75px;
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 20px 55px rgba(3, 42, 99, 0.08);
}

.coverage-process-card {
    position: relative;
    padding: 52px;
    background: #fff;
}

.coverage-process-result {
    background: var(--navy);
}

.coverage-process-number {
    margin-bottom: 55px;
    color: rgba(3, 42, 99, 0.3);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.16em;
}

.coverage-process-result .coverage-process-number {
    color: rgba(255, 255, 255, 0.35);
}

.coverage-process-content h2 {
    max-width: 470px;
    margin: 13px 0 20px;
    color: var(--navy);
    font-size: clamp(30px, 3vw, 43px);
    line-height: 1.08;
    font-weight: 700;
    letter-spacing: -0.04em;
}

.coverage-process-result .coverage-process-content h2 {
    color: #fff;
}

.coverage-process-content p {
    max-width: 610px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}

.coverage-process-result .coverage-process-content p {
    color: rgba(255, 255, 255, 0.68);
}


/* =========================
   DOCUMENT LIST
========================= */

.coverage-document-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 35px;
}

.coverage-document-list div {
    display: flex;
    align-items: center;
    gap: 11px;
    min-height: 50px;
    padding: 0 14px;
    background: var(--bg-light);
    border: 1px solid rgba(3, 42, 99, 0.07);
    border-radius: 10px;
}

.coverage-document-list i {
    color: var(--teal);
    font-size: 16px;
}

.coverage-document-list span {
    color: var(--navy);
    font-size: 11px;
    line-height: 1.35;
    font-weight: 700;
}


/* =========================
   RESULT NOTE
========================= */

.coverage-result-note {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 40px;
    padding-top: 22px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.coverage-result-note i {
    color: var(--teal);
    font-size: 18px;
}

.coverage-result-note span {
    color: rgba(255, 255, 255, 0.72);
    font-size: 12px;
    font-weight: 700;
}


/* =========================
   RESPONSIVE
========================= */

@media (max-width: 991px) {

    .coverage-review-detail {
        padding: 90px 0;
    }

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

    .coverage-review-process {
        grid-template-columns: 1fr;
    }

    .coverage-process-card {
        padding: 42px;
    }
}


@media (max-width: 767px) {

    .coverage-review-detail {
        padding: 70px 0;
    }

    .coverage-detail-heading {
        align-items: flex-start;
        flex-direction: column;
        gap: 25px;
    }

    .coverage-check-grid {
        grid-template-columns: 1fr;
    }

    .coverage-check-card {
        min-height: auto;
        padding: 28px;
    }

    .coverage-check-card h3 {
        margin-top: 42px;
    }

    .coverage-review-process {
        margin-top: 55px;
    }

    .coverage-process-card {
        padding: 32px;
    }

    .coverage-document-list {
        grid-template-columns: 1fr;
    }
}

.quote-review-section {
    padding: 100px 0;
    background: #fff;
}

.quote-review-heading {
    margin-bottom: 45px;
}

.quote-review-heading h2 {
    margin: 0 0 15px;
    color: var(--navy);
    font-size: clamp(38px, 4.5vw, 58px);
    line-height: 1;
    font-weight: 700;
    letter-spacing: -.045em;
}

.quote-review-heading p {
    margin: 0;
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
}

.quote-review-cards {
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: 20px;
}

.quote-review-card {
    padding: 35px;
    background: var(--bg-light);
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 18px;
    transition: var(--transition);
}

.quote-review-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-hover);
}

.quote-review-card > i {
    display: inline-flex;
    margin-bottom: 35px;
    color: var(--teal);
    font-size: 28px;
}

.quote-review-card h3 {
    margin: 0 0 18px;
    color: var(--navy);
    font-size: 25px;
    line-height: 1.2;
}

.quote-review-card p {
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.8;
}

.quote-review-card strong {
    display: block;
    margin-top: 28px;
    padding-top: 20px;
    border-top: 1px solid rgba(3, 42, 99, .1);
    color: var(--navy);
    font-size: 15px;
    line-height: 1.5;
}

.quote-review-link {
    padding: 25px 0 85px;
    text-align: center;
}

.quote-review-link a {
    color: var(--navy);
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
}

.quote-review-link a:hover {
    color: var(--teal);
}

.quote-review-link i {
    margin-left: 6px;
    color: var(--teal);
}

.quote-info {
    padding-top: 80px;
    border-top: 1px solid rgba(3, 42, 99, .08);
}

.quote-info-heading {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    margin-bottom: 40px;
}

.quote-info-heading h2,
.segment-heading h2 {
    margin: 0;
    color: var(--navy);
    font-size: clamp(32px, 3.5vw, 46px);
    line-height: 1.05;
    letter-spacing: -.04em;
}

.quote-info-heading p,
.segment-heading p {
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.8;
}

.quote-info-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.quote-info-list > div {
    display: flex;
    align-items: center;
    gap: 18px;
    padding: 22px;
    background: var(--bg-light);
    border-radius: 14px;
}

.quote-info-list i {
    flex: 0 0 45px;
    width: 45px;
    height: 45px;
    display: grid;
    place-items: center;
    border-radius: 12px;
    background: #fff;
    color: var(--teal);
}

.quote-info-list p {
    margin: 0;
    color: var(--text);
    font-size: 13px;
    line-height: 1.6;
}

.quote-next {
    margin-top: 70px;
    padding: 45px;
    background: var(--navy);
    border-radius: 20px;
}

.quote-next h2 {
    margin: 0 0 18px;
    color: #fff;
    font-size: 36px;
    line-height: 1.1;
}

.quote-next p {
    max-width: 900px;
    margin: 0;
    color: rgba(255, 255, 255, .7);
    font-size: 14px;
    line-height: 1.85;
}

.segment-section {
    padding-top: 90px;
}

.segment-heading {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    margin-bottom: 40px;
}

.segment-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
}

.segment-cards a {
    min-height: 300px;
    padding: 28px;
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .09);
    border-radius: 16px;
    text-decoration: none;
    transition: var(--transition);
}

.segment-cards a:hover {
    transform: translateY(-5px);
    border-color: rgba(0, 167, 157, .3);
    box-shadow: var(--shadow-hover);
}

.segment-cards > a > i {
    color: var(--teal);
    font-size: 25px;
}

.segment-cards h3 {
    margin: auto 0 10px;
    color: var(--navy);
    font-size: 20px;
    line-height: 1.25;
}

.segment-cards p {
    margin: 0;
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.6;
}

.segment-cards span {
    margin-top: 25px;
    padding-top: 15px;
    border-top: 1px solid rgba(3, 42, 99, .08);
    color: var(--navy);
    font-size: 11px;
    font-weight: 700;
}

.segment-cards span i {
    margin-left: 5px;
    color: var(--teal);
}

@media (max-width: 991px) {
    .quote-review-cards,
    .quote-info-heading,
    .segment-heading {
        grid-template-columns: 1fr;
    }

    .quote-info-list {
        grid-template-columns: 1fr;
    }

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

@media (max-width: 767px) {
    .quote-review-section {
        padding: 70px 0;
    }

    .quote-review-card {
        padding: 28px;
    }

    .quote-review-link {
        padding-bottom: 65px;
    }

    .segment-cards {
        grid-template-columns: 1fr;
    }

    .quote-next {
        padding: 30px;
    }
}

.segment-information {
    padding: 100px 0;
    background: var(--bg-light);
}

.segment-information-link {
    margin-bottom: 45px;
}

.segment-information-link a {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: var(--navy);
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
}

.segment-information-link a:hover {
    color: var(--teal);
}

.segment-information-link i {
    color: var(--teal);
}

.segment-information-grid {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 20px;
}

.segment-information-content {
    padding: 45px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 20px;
}

.segment-information-content h2 {
    margin: 0 0 35px;
    color: var(--navy);
    font-size: clamp(30px, 3.5vw, 44px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -.04em;
}

.segment-information-content ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.segment-information-content li {
    position: relative;
    padding: 20px 0 20px 25px;
    color: var(--text);
    font-size: 14px;
    line-height: 1.7;
    border-top: 1px solid rgba(3, 42, 99, .08);
}

.segment-information-content li:last-child {
    border-bottom: 1px solid rgba(3, 42, 99, .08);
}

.segment-information-content li::before {
    content: "";
    position: absolute;
    top: 30px;
    left: 0;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--teal);
}

.segment-information-dark {
    display: flex;
    flex-direction: column;
    justify-content: center;
    background: var(--navy);
    border-color: var(--navy);
}

.segment-information-dark h2 {
    color: #fff;
}

.segment-information-dark p {
    margin: 0;
    color: rgba(255, 255, 255, .72);
    font-size: 14px;
    line-height: 1.9;
}

@media (max-width: 991px) {
    .segment-information {
        padding: 80px 0;
    }

    .segment-information-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 767px) {
    .segment-information {
        padding: 65px 0;
    }

    .segment-information-content {
        padding: 30px;
    }

    .segment-information-content h2 {
        margin-bottom: 28px;
    }
}

.call-covers-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.call-covers-grid {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 20px;
}

.call-covers-main {
    padding: 48px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 20px;
}

.call-covers-main h2,
.call-covers-card h2 {
    margin: 0 0 35px;
    color: var(--navy);
    font-size: clamp(32px, 3.5vw, 46px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -.04em;
}

.call-covers-main ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.call-covers-main li {
    padding: 21px 0 21px 24px;
    color: var(--text);
    font-size: 14px;
    line-height: 1.7;
    border-top: 1px solid rgba(3, 42, 99, .08);
    position: relative;
}

.call-covers-main li:last-child {
    border-bottom: 1px solid rgba(3, 42, 99, .08);
}

.call-covers-main li::before {
    content: "";
    position: absolute;
    top: 30px;
    left: 0;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--teal);
}

.call-covers-side {
    display: grid;
    gap: 20px;
}

.call-covers-card {
    padding: 40px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 20px;
}

.call-covers-card h2 {
    margin-bottom: 20px;
    font-size: 30px;
}

.call-covers-card p {
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}

.call-covers-prefer {
    background: var(--navy);
    border-color: var(--navy);
}

.call-covers-prefer h2 {
    color: #fff;
}

.call-covers-prefer p {
    color: rgba(255, 255, 255, .7);
}

.call-covers-prefer a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 28px;
    color: #fff;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
}

.call-covers-prefer a:hover {
    color: var(--teal);
}

.call-covers-prefer a i {
    color: var(--teal);
}

@media (max-width: 991px) {
    .call-covers-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 767px) {
    .call-covers-section {
        padding: 70px 0;
    }

    .call-covers-main,
    .call-covers-card {
        padding: 30px;
    }
}

.faq-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.faq-group {
    margin-bottom: 90px;
}

.faq-group > h2 {
    margin: 0 0 35px;
    color: var(--navy);
    font-size: clamp(34px, 4vw, 50px);
    line-height: 1;
    font-weight: 700;
    letter-spacing: -.045em;
}

.faq-list {
    background: #fff;
    border: 1px solid rgba(3, 42, 99, .08);
    border-radius: 18px;
    overflow: hidden;
}

.faq-item {
    padding: 32px 38px;
    border-bottom: 1px solid rgba(3, 42, 99, .08);
}

.faq-item:last-child {
    border-bottom: 0;
}

.faq-item h3 {
    margin: 0 0 15px;
    color: var(--navy);
    font-size: 18px;
    line-height: 1.4;
    font-weight: 700;
}

.faq-item p {
    max-width: 1000px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}

.faq-final {
    padding: 55px;
    background: var(--navy);
    border-radius: 20px;
}

.faq-final h2 {
    margin: 0 0 15px;
    color: #fff;
    font-size: clamp(34px, 4vw, 48px);
    line-height: 1;
    letter-spacing: -.04em;
}

.faq-final p {
    margin: 0;
    color: rgba(255, 255, 255, .7);
    font-size: 15px;
    line-height: 1.7;
}

.faq-final a {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-top: 28px;
    padding: 13px 20px;
    background: var(--teal);
    color: #fff;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    transition: var(--transition);
}

.faq-final a:hover {
    background: var(--teal-dark);
    transform: translateY(-2px);
}

.faq-final a i {
    font-size: 14px;
}

@media (max-width: 767px) {
    .faq-section {
        padding: 70px 0;
    }

    .faq-group {
        margin-bottom: 60px;
    }

    .faq-item {
        padding: 25px;
    }

    .faq-final {
        padding: 32px;
    }
}
.legal-documents-section {
    padding: 105px 0;
    background: var(--bg-light);
}

.legal-documents-intro {
    max-width: 820px;
    margin-bottom: 55px;
}

.legal-documents-intro p {
    margin: 0;
    color: var(--text);
    font-size: 17px;
    line-height: 1.85;
}

.legal-documents-list {
    border-top: 1px solid rgba(3, 42, 99, 0.1);
}

.legal-document {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1fr) 180px 40px;
    align-items: center;
    gap: 35px;
    padding: 30px 5px 30px 0;
    color: inherit;
    text-decoration: none;
    border-bottom: 1px solid rgba(3, 42, 99, 0.1);
    transition: var(--transition);
}

.legal-document:hover {
    padding-left: 20px;
    padding-right: 20px;
    background: #fff;
}

.legal-document-content h2 {
    margin: 0 0 9px;
    color: var(--navy);
    font-size: 23px!important;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.025em;
    transition: var(--transition);
}

.legal-document:hover .legal-document-content h2 {
    color: var(--teal);
}

.legal-document-content p {
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.65;
}

.legal-document-meta {
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.legal-document-meta span {
    color: var(--text-muted);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.legal-document-meta strong {
    color: var(--navy);
    font-size: 13px;
    font-weight: 600;
}

.legal-document > i {
    width: 40px;
    height: 40px;
    display: grid;
    place-items: center;
    color: var(--navy);
    border: 1px solid rgba(3, 42, 99, 0.12);
    border-radius: 50%;
    font-size: 15px;
    transition: var(--transition);
}

.legal-document:hover > i {
    color: #fff;
    background: var(--teal);
    border-color: var(--teal);
    transform: translate(2px, -2px);
}

@media (max-width: 767px) {
    .legal-documents-section {
        padding: 70px 0;
    }

    .legal-documents-intro {
        margin-bottom: 35px;
    }

    .legal-documents-intro p {
        font-size: 15px;
        line-height: 1.8;
    }

    .legal-document {
        grid-template-columns: minmax(0, 1fr) 40px;
        gap: 20px;
        padding: 25px 0;
    }

    .legal-document:hover {
        padding-left: 12px;
        padding-right: 12px;
    }

    .legal-document-meta {
        display: none;
    }

    .legal-document-content h2 {
        font-size: 20px;
    }

    .legal-document-content p {
        font-size: 13px;
    }
}

.hoa-program-section {
    padding: 110px 0;
    background: var(--bg-light);
}

.hoa-program-block {
    position: relative;
    margin-bottom: 20px;
    padding: 55px 60px;
    background: #fff;
    border: 1px solid rgba(3, 42, 99, 0.08);
    border-radius: 22px;
    box-shadow: 0 10px 35px rgba(3, 42, 99, 0.04);
    overflow: hidden;
}

.hoa-program-content {
    max-width: 1000px;
}

.hoa-program-content h2 {
    max-width: 760px;
    margin: 0 0 28px;
    color: var(--navy);
    font-size: clamp(32px, 4vw, 50px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -0.045em;
}

.hoa-program-content p {
    margin: 0 0 20px;
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.9;
}

.hoa-program-content p:last-child {
    margin-bottom: 0;
}

.hoa-program-dark {
    background: var(--navy);
    border-color: var(--navy);
}

.hoa-program-dark .hoa-program-content h2 {
    color: #fff;
}

.hoa-program-dark .hoa-program-content p {
    color: rgba(255, 255, 255, 0.72);
}

.hoa-program-agent {
    background: #eef8f7;
    border-color: rgba(0, 167, 157, 0.15);
}

.hoa-program-agent .hoa-program-content h2 {
    font-size: clamp(30px, 3.5vw, 43px);
}

.hoa-program-agent .hoa-program-content a {
    color: var(--navy);
    font-weight: 700;
    text-decoration: underline;
    text-decoration-color: var(--teal);
    text-underline-offset: 4px;
    transition: var(--transition);
}

.hoa-program-agent .hoa-program-content a:hover {
    color: var(--teal);
}

.hoa-faq {
    margin-top: 90px;
}

.hoa-faq > h2 {
    margin: 0 0 35px;
    color: var(--navy);
    font-size: clamp(34px, 4vw, 50px);
    line-height: 1;
    font-weight: 700;
    letter-spacing: -0.045em;
}

.hoa-faq-list {
    background: #fff;
    border: 1px solid rgba(3, 42, 99, 0.08);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 10px 35px rgba(3, 42, 99, 0.04);
}

.hoa-faq-item {
    padding: 34px 42px;
    border-bottom: 1px solid rgba(3, 42, 99, 0.08);
}

.hoa-faq-item:last-child {
    border-bottom: 0;
}

.hoa-faq-item h3 {
    margin: 0 0 15px;
    color: var(--navy);
    font-size: 18px;
    line-height: 1.45;
    font-weight: 700;
}

.hoa-faq-item p {
    max-width: 1000px;
    margin: 0;
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.85;
}

@media (max-width: 991px) {
    .hoa-program-section {
        padding: 85px 0;
    }

    .hoa-program-block {
        padding: 45px;
    }
}

@media (max-width: 767px) {
    .hoa-program-section {
        padding: 65px 0;
    }

    .hoa-program-block {
        padding: 32px 28px;
        border-radius: 18px;
    }

    .hoa-program-content h2 {
        font-size: 31px;
    }

    .hoa-program-content p {
        font-size: 14px;
        line-height: 1.8;
    }

    .hoa-faq {
        margin-top: 60px;
    }

    .hoa-faq-item {
        padding: 27px 25px;
    }

    .hoa-faq-item h3 {
        font-size: 17px;
    }
}


.nap-card {
        width: 100%;
        background: #ffffff;
        border: 1px solid #e5e7eb;
        border-radius: 18px;
        overflow: hidden;
        box-shadow: 0 12px 35px rgba(15, 23, 42, 0.07);
        font-family: inherit;
    }

    .nap-card-header {
        padding: 28px 30px 24px;
        border-bottom: 1px solid #edf0f2;
    }

    .nap-eyebrow {
        display: block;
        margin-bottom: 7px;
        font-size: 11px;
        font-weight: 700;
        letter-spacing: 0.14em;
        color: #6b7280;
    }

    .nap-card-header h3 {
        margin: 0;
        font-size: 25px;
        line-height: 1.2;
        font-weight: 650;
        color: #111827;
    }

    .nap-card-body {
        display: grid;
    }

    .nap-item {
        display: flex;
        gap: 18px;
        padding: 25px 30px;
        color: inherit;
        text-decoration: none;
        transition: background-color 0.2s ease;
    }

    .nap-item + .nap-item {
        border-top: 1px solid #edf0f2;
    }

    .nap-item:hover {
        background: #f8fafc;
    }

    .nap-icon {
        flex: 0 0 42px;
        width: 42px;
        height: 42px;
        display: flex;
        align-items: center;
        justify-content: center;
        border-radius: 12px;
        background: #f1f5f9;
        color: #334155;
    }

    .nap-icon svg {
        width: 21px;
        height: 21px;
    }

    .nap-content {
        min-width: 0;
        display: flex;
        flex-direction: column;
        align-items: flex-start;
    }

    .nap-label {
        margin-bottom: 6px;
        font-size: 10px;
        line-height: 1;
        font-weight: 750;
        letter-spacing: 0.13em;
        color: #94a3b8;
    }

    .nap-value {
        font-size: 16px;
        line-height: 1.55;
        font-weight: 500;
        color: #1e293b;
    }

    .nap-action {
        margin-top: 9px;
        font-size: 13px;
        line-height: 1.4;
        font-weight: 600;
        color: #475569;
    }

    .nap-action span {
        margin-left: 3px;
        transition: transform 0.2s ease;
        display: inline-block;
    }

    .nap-item:hover .nap-action span {
        transform: translate(2px, -1px);
    }

    @media (max-width: 575px) {
        .nap-card-header {
            padding: 23px 21px 20px;
        }

        .nap-item {
            padding: 21px;
            gap: 14px;
        }

        .nap-icon {
            flex-basis: 38px;
            width: 38px;
            height: 38px;
        }

        .nap-icon svg {
            width: 19px;
            height: 19px;
        }

        .nap-value {
            font-size: 15px;
        }
    }
    .online-booking-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 16px 16px;
    background: #00a79d;
    color: #ffffff;
    border: 1px solid #00a79d;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: 0.3px;
    text-decoration: none;
    box-shadow: 0 10px 24px rgba(0, 167, 157, 0.18);
    transition: all 0.35s cubic-bezier(0.165, 0.84, 0.44, 1);
}

.online-booking-button i {
    font-size: 17px;
    line-height: 1;
}

.online-booking-button:hover {
    background: #008980;
    border-color: #008980;
    color: #ffffff;
    transform: translateY(-3px);
    box-shadow: 0 16px 32px rgba(0, 167, 157, 0.25);
}

.online-booking-button:active {
    transform: translateY(-1px);
}

@media (max-width: 575.98px) {
    .online-booking-button {
        width: 100%;
        padding: 15px 20px;
        text-align: center;
    }
}
ul.footer-links li:first-child a 
{font-weight: 600;}