/* =========================================================
   RLY INSURANCE GROUP — REFERENCE MATCH
   Desktop proportions are based on the supplied 1536×1024
   reference image. No image is forced into a distorted crop.
   ========================================================= */

:root {
    --navy: #030918;
    --navy-dark: #030918;
    --gold: #d9a21b;
    --gold-light: #f4c430;
    --cream: #f7f5ef;
    --white: #ffffff;
    --ink: #030918;
    --muted: #61707b;
    --line: #d9dfe3;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    color: var(--ink);
    background: var(--cream);
    font-family: Arial, Helvetica, sans-serif;
}

a {
    color: inherit;
    text-decoration: none;
}


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

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    color: #fff;
    background: var(--navy);
    box-shadow: 0 3px 14px rgba(0, 0, 0, 0.18);
}

.topbar {
    min-height: 84px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 7px 5.2vw 6px;
}

.brand {
    display: flex;
    align-items: center;
    gap: 14px;
}

.brand img {
    width: 94px;
    height: 98px;
    object-fit: cover;
    object-position: center 43%;
    margin-top: 5px;
}

.brand-copy strong {
    display: block;
    font: 400 28px Georgia, "Times New Roman", serif;
    letter-spacing: 0.5px;
    white-space: nowrap;
}

.brand-taglines {
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    margin-left: 16px;
    padding-left: 16px;
    max-width: 430px;
    border-left: 1px solid rgba(255, 255, 255, 0.25);
}

.brand-tagline-item {
    display: flex;
    align-items: flex-start;
    gap: 7px;
    color: #fff;
    font: italic 700 12.5px Georgia, "Times New Roman", serif;
    letter-spacing: 0.1px;
    line-height: 1.3;
}

.tagline-star {
    flex: 0 0 auto;
    width: 10px;
    height: 10px;
    margin-top: 3px;
    fill: var(--gold-light);
}

.brand-license {
    display: block;
    margin-top: 4px;
    color: var(--gold-light);
    font: italic 400 13px Georgia, "Times New Roman", serif;
    letter-spacing: 0.3px;
}

.brand-copy small {
    display: block;
    margin-top: 7px;
    color: #fff;
    font-size: 12px;
    letter-spacing: 1.8px;
}

.brand-copy small b {
    color: var(--gold-light);
    font-size: 9px;
    padding: 0 3px;
}

.header-right {
    min-width: 560px;
    text-align: right;
}

.tagline {
    margin-bottom: 7px;
    color: var(--gold-light);
    font: italic 18px Georgia, "Times New Roman", serif;
}

.contact-row {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 22px;
    font-size: 15px;
    white-space: nowrap;
}

.phone-lines {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 3px;
    line-height: 1.3;
}

.phone-lines a {
    display: flex;
    align-items: baseline;
    gap: 6px;
}

.phone-lines .phone-icon {
    display: inline-block;
    flex: 0 0 16px;
    text-align: left;
}

.phone-lines .phone-label {
    display: inline-block;
    flex: 0 0 54px;
    text-align: left;
}

.gold-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 42px;
    padding: 11px 25px;
    border: 1px solid #f4c430;
    border-radius: 2px;
    color: #030918;
    background: linear-gradient(#f4c430, #d9a21b);
    box-shadow: 0 3px 10px rgba(0, 0, 0, 0.14);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.8px;
}

.header-quote {
    min-width: 155px;
    margin-left: 3px;
}

.nav {
    min-height: 52px;
    display: flex;
    align-items: stretch;
    justify-content: space-between;
    flex-wrap: wrap;
    row-gap: 14px;
    gap: 12px;
    padding: 14px 6vw 12px 5vw;
    border-top: 1px solid rgba(255, 255, 255, 0.10);
    font-size: 13px;
    letter-spacing: 0.4px;
}

.nav a {
    display: flex;
    flex: 1 1 0;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 3px;
    white-space: nowrap;
    text-align: center;
}

.nav .search {
    flex: 0 0 auto;
}

.nav a img {
    width: 34px;
    height: 34px;
    object-fit: contain;
    opacity: 0.95;
}

.nav a:hover {
    color: var(--gold-light);
}

.nav a:hover img {
    opacity: 1;
}

.nav .search {
    margin-left: 19px;
    font-size: 29px;
    line-height: 1;
    flex-direction: row;
}


/* =========================
   HERO
   ========================= */

.hero-reference {
    position: relative;
    width: 100%;
    overflow: hidden;
    background: #030918;
    height: calc(100vh - 176px);
}

.hero-reference img {
    display: block;
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.hero-reference::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(100deg, rgba(3, 9, 24, 0.58) 0%, rgba(3, 9, 24, 0.32) 26%, rgba(3, 9, 24, 0) 48%);
    pointer-events: none;
}

.hero-reference-copy {
    position: absolute;
    left: 6vw;
    top: 12%;
    z-index: 2;
    max-width: 540px;
}

.hero-reference-copy .eyebrow {
    margin: 0 0 10px;
    color: var(--gold-light);
    font-size: 11px;
    letter-spacing: 4px;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.5);
}

.hero-reference-copy h1 {
    margin: 0 0 22px;
    color: #fff;
    font: 400 clamp(28px, 4.4vw, 48px)/1.18 Georgia, "Times New Roman", serif;
    text-shadow: 0 3px 18px rgba(0, 0, 0, 0.55), 0 1px 4px rgba(0, 0, 0, 0.5);
}


/* =========================
   COVERAGE STRIP
   ========================= */

.coverage-strip {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    min-height: 168px;
    padding: 17px 4vw 18px;
    background: #fff;
    border-bottom: 1px solid var(--line);
}

.coverage-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 6px 18px;
    text-align: center;
}

.coverage-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 82px;
    height: 62px;
    margin-bottom: 4px;
}

.coverage-icon img {
    display: block;
    width: 82px;
    height: 62px;
    object-fit: contain;
}

.coverage-item strong {
    color: #030918;
    font: 700 17px/1.0 Georgia, "Times New Roman", serif;
    letter-spacing: 0.1px;
}

.coverage-item small {
    display: block;
    margin-top: 8px;
    color: #0a1530;
    font-size: 14px;
    line-height: 1.28;
}


/* =========================
   THREE-COLUMN FEATURE AREA
   ========================= */

.feature-grid {
    display: grid;
    grid-template-columns: 45.8% 27.7% 26.5%;
    min-height: 354px;
    background: #fff;
}

.florida-reference {
    position: relative;
    overflow: hidden;
    background: #eee;
    container-type: inline-size;
}

.florida-reference img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    position: relative;
    z-index: 0;
}

.florida-reference::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: 1;
    background: linear-gradient(0deg, rgba(3, 9, 24, 0.88) 0%, rgba(3, 9, 24, 0.55) 32%, rgba(3, 9, 24, 0.05) 60%, rgba(3, 9, 24, 0) 100%);
}

.florida-caption {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 2;
    padding: 7% 8% 8%;
}

.florida-caption-kicker {
    margin: 0 0 5px;
    color: var(--gold-light);
    font: 700 clamp(10px, 2.7cqw, 13px)/1.2 Arial, Helvetica, sans-serif;
    letter-spacing: 1.8px;
    text-transform: uppercase;
}

.florida-caption-main {
    margin: 0 0 5px;
    color: #fff;
    font: 700 clamp(16px, 4.4cqw, 23px)/1.2 Georgia, "Times New Roman", serif;
}

.florida-caption-sub {
    margin: 0;
    color: #e5ebef;
    font: 400 clamp(11px, 2.9cqw, 13px)/1.3 Arial, Helvetica, sans-serif;
    letter-spacing: 0.6px;
}

.why-panel {
    padding: 22px 36px 16px;
    color: #fff;
    background: var(--navy);
}

.section-kicker {
    margin: 0 0 11px;
    color: #fff;
    font: 700 13px/1.15 Arial, Helvetica, sans-serif;
    letter-spacing: 1.8px;
    white-space: nowrap;
}

.why-intro {
    margin: 0 0 16px;
    color: #e5ebef;
    font-size: 12px;
    line-height: 1.5;
}

.benefit {
    display: flex;
    gap: 13px;
    margin: 12px 0;
}

.benefit > span {
    flex: 0 0 32px;
    color: var(--gold-light);
    font-size: 30px;
    line-height: 1;
}

.benefit > span svg {
    width: 27px;
    height: 27px;
    fill: none;
    stroke: var(--gold-light);
    stroke-width: 2.1;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.benefit h3 {
    margin: 0 0 3px;
    color: #fff;
    font-size: 14px;
    font-weight: 400;
}

.benefit p {
    margin: 0;
    color: #e5ebef;
    font-size: 11px;
    line-height: 1.35;
}


/* =========================
   QUOTE CARD
   ========================= */

.quote-card {
    align-self: stretch;
    margin: 5px 10px 8px 8px;
    padding: 17px 20px 14px;
    color: var(--ink);
    background: linear-gradient(135deg, #fbfaf6, #f5f0e7);
    border: 1px solid #ded8ca;
    border-radius: 8px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

.quote-card h2 {
    margin: 0;
    font: 400 23px/1.05 Georgia, "Times New Roman", serif;
}

/* Spam-prevention honeypot field for Web3Forms — invisible to real visitors,
   but positioned off-screen (not display:none) so it still reads as a
   normal field to simple bots, which is what makes it effective. */
.botcheck-field {
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    opacity: 0;
    pointer-events: none;
}

.quote-card > p {
    margin: 5px 0 10px;
    color: #8c6810;
    font-size: 11px;
    letter-spacing: 1.6px;
}

.quote-card label {
    position: relative;
    display: block;
    margin: 6px 0;
}

.quote-card label[hidden] {
    display: none;
}

.quote-card label > span {
    position: absolute;
    left: 9px;
    top: 7px;
    color: #8c6810;
    font-size: 13px;
    width: 15px;
    height: 15px;
}

.quote-card label > span svg {
    width: 15px;
    height: 15px;
    fill: none;
    stroke: #8c6810;
    stroke-width: 1.7;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.quote-card input,
.quote-card select,
.quote-card textarea {
    width: 100%;
    margin: 0;
    padding: 6px 10px 6px 30px;
    border: 1px solid #d7dde1;
    border-radius: 4px;
    outline: none;
    background: #fff;
    color: #3f4d57;
    font: 11px Arial, Helvetica, sans-serif;
}

.quote-card textarea {
    min-height: 44px;
    padding-left: 10px;
    resize: vertical;
}

.quote-card input:focus,
.quote-card select:focus,
.quote-card textarea:focus {
    border-color: var(--gold);
}

.quote-card button {
    width: 100%;
    min-height: 37px;
    margin-top: 3px;
    cursor: pointer;
}

.call-link {
    display: block;
    margin-top: 7px;
    text-align: center;
    font-size: 11px;
}

.call-link div + div {
    margin-top: 2px;
}

.form-status {
    margin: 6px 0 0;
    padding: 8px 10px;
    color: #1c5c33;
    background: #e9f6ee;
    border: 1px solid #bfe3cc;
    border-radius: 4px;
    font-size: 11.5px;
    line-height: 1.4;
}

.form-status.is-error {
    color: #7a4a15;
    background: #fbf1e2;
    border-color: #edd7b3;
}

.form-status.is-validation-error {
    color: #8a2318;
    background: #fbecea;
    border-color: #eec3bc;
}

.quote-card input.field-invalid,
.quote-card select.field-invalid {
    border-color: #c0392b;
    box-shadow: 0 0 0 1px #c0392b;
}

/* Email field sits beside a "No email" checkbox so a visitor can decline
   to give an email address. */
.email-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 6px 0;
}

.email-row > label:first-child {
    flex: 1;
    min-width: 0;
    margin: 0;
}

.quote-card label.email-decline {
    display: flex;
    align-items: center;
    gap: 5px;
    margin: 0;
    color: #3f4d57;
    font-size: 10.5px;
    white-space: nowrap;
    cursor: pointer;
}

.quote-card label.email-decline input {
    width: 13px;
    height: 13px;
    margin: 0;
    padding: 0;
    accent-color: var(--gold);
    cursor: pointer;
}

.quote-card input:disabled {
    background: #f1efe9;
    color: #f2f2f2;
}

.inspection-note {
    margin: 10px 0 4px;
    padding: 9px 10px;
    color: #6b5010;
    background: #fbf5e6;
    border: 1px solid #eddcb0;
    border-radius: 5px;
    font-size: 10.5px;
    line-height: 1.5;
}

.inspection-note a {
    color: #8c6810;
    font-weight: 700;
}

.conditional-fields {
    margin: 8px 0 4px;
    padding: 10px 11px 8px;
    background: rgba(255, 255, 255, 0.65);
    border: 1px solid #e6e0d2;
    border-radius: 6px;
}

.conditional-fields[hidden] {
    display: none;
}

.conditional-fields-heading {
    margin: 0 0 7px;
    color: #8c6810;
    font-size: 9.5px;
    letter-spacing: 1.3px;
    text-transform: uppercase;
}

.conditional-fields-hint {
    color: #d9a21b;
    text-transform: none;
    letter-spacing: 0;
}

.quote-card label.plain {
    margin: 7px 0;
}

.quote-card label > span.field-label {
    position: static;
    display: block;
    width: auto;
    height: auto;
    margin: 0 0 3px;
    color: #3f4d57;
    font-size: 10px;
}

.quote-card label.plain input,
.quote-card label.plain select {
    padding: 6px 10px;
}

.address-group-label {
    margin: 7px 0 3px;
    color: #3f4d57;
    font-size: 10px;
}

.address-group {
    margin: 7px 0;
}

.address-group[hidden] {
    display: none;
}

.address-row {
    display: grid;
    grid-template-columns: 1fr 62px 96px;
    gap: 8px;
    margin: 7px 0;
}

.address-row label.plain {
    margin: 0;
}

.driver-row {
    margin: 8px 0;
    padding-top: 7px;
    border-top: 1px dashed #e0d6bd;
}

.driver-row:first-of-type {
    margin-top: 2px;
    padding-top: 0;
    border-top: none;
}

.driver-heading {
    margin: 0 0 2px;
    color: #8c6810;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.6px;
    text-transform: uppercase;
}

.add-driver-btn {
    width: 100%;
    margin-top: 4px;
    padding: 7px 10px;
    background: #fff;
    border: 1px dashed #d9a21b;
    border-radius: 4px;
    color: #8c6810;
    font: 700 10.5px Arial, Helvetica, sans-serif;
    letter-spacing: 0.5px;
    cursor: pointer;
    transition: background 0.15s, border-color 0.15s;
}

.add-driver-btn:hover {
    background: #fdf9ef;
    border-color: var(--gold);
}

.add-driver-btn[hidden] {
    display: none;
}

.modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    background: rgba(3, 9, 24, 0.72);
}

.modal-overlay[hidden] {
    display: none;
}

.modal-box {
    max-width: 420px;
    width: 100%;
    padding: 30px 26px 24px;
    text-align: center;
    color: var(--ink);
    background: #fff;
    border-radius: 8px;
    border-top: 4px solid var(--gold);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
}

.modal-box h3 {
    margin: 0 0 10px;
    font: 400 22px/1.15 Georgia, "Times New Roman", serif;
    color: var(--navy);
}

.modal-box p {
    margin: 0 0 20px;
    color: #4a5762;
    font-size: 13.5px;
    line-height: 1.55;
}

.modal-box button {
    min-width: 130px;
    padding: 9px 20px;
    cursor: pointer;
}


/* =========================
   ABOUT
   ========================= */

.about-section {
    display: grid;
    grid-template-columns: 58% 42%;
    min-height: 360px;
    background: #fff;
}

.about-copy {
    padding: 60px 7vw;
}

.eyebrow {
    margin: 0 0 14px;
    color: #66727b;
    font-size: 10px;
    letter-spacing: 4px;
}

.about-copy h2 {
    margin: 0 0 18px;
    color: var(--ink);
    font: 400 43px/1.05 Georgia, "Times New Roman", serif;
}

.about-copy > p:not(.eyebrow) {
    max-width: 650px;
    margin: 0 0 20px;
    font-size: 14px;
    line-height: 1.6;
}

.outline-btn {
    display: inline-flex;
    padding: 11px 18px;
    border: 1px solid var(--gold);
    font-size: 11px;
    letter-spacing: 1px;
}

.about-image {
    position: relative;
    overflow: hidden;
}

.about-image > img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.image-caption {
    position: absolute;
    right: 0;
    bottom: 0;
    padding: 18px 24px;
    color: #fff;
    background: rgba(3, 9, 24, 0.88);
    border-left: 2px solid var(--gold);
    font: 15px/1.35 Georgia, "Times New Roman", serif;
    letter-spacing: 2px;
}

.image-caption span {
    color: var(--gold-light);
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    max-width: 560px;
    margin: 6px 0 26px;
    padding: 20px 0;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.about-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    padding: 0 12px;
    text-align: center;
    border-left: 1px solid var(--line);
}

.about-stat:first-child {
    border-left: none;
}

.about-stat-number {
    font: 400 32px/1 Georgia, "Times New Roman", serif;
    color: var(--gold);
    letter-spacing: 0.5px;
}

.about-stat-number.stars {
    font-size: 18px;
    letter-spacing: 2px;
}

.about-stat-label {
    font: 700 9px/1.35 Arial, Helvetica, sans-serif;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    color: var(--muted);
}



/* =========================
   TESTIMONIALS
   ========================= */

.testimonials-section {
    padding: 54px 7vw 58px;
    text-align: center;
    background: #fff;
}

.testimonials-heading h2 {
    margin: 4px 0 0;
    color: var(--ink);
    font: 400 38px/1.05 Georgia, "Times New Roman", serif;
    letter-spacing: 0.5px;
}

.testimonials-placeholder {
    max-width: 520px;
    margin: 18px auto 0;
    color: var(--muted);
    font-size: 14px;
    line-height: 1.6;
}

/* =========================
   CONTACT
   ========================= */

.contact-section {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    padding: 42px 7vw;
    color: #fff;
    background: var(--navy);
}

.contact-section h2 {
    margin: 0;
    font: 400 38px/1.05 Georgia, "Times New Roman", serif;
}

.gold {
    color: var(--gold-light);
}

.contact-col {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 10px;
}

.contact-details {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    justify-content: flex-end;
    gap: 22px;
    font-size: 15px;
}

.weekend-note {
    margin: 0;
    color: #f2f2f2;
    font-size: 12px;
    text-align: right;
}


/* =========================
   FOOTER
   ========================= */

footer {
    padding: 35px 5vw 14px;
    color: #dce6ec;
    background: var(--navy);
    border-top: 1px solid var(--gold);
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: 12px;
}

.footer-brand img {
    width: 60px;
    height: 52px;
    object-fit: cover;
}

.footer-brand strong {
    display: block;
    font: 700 19px Georgia, serif;
}

.footer-brand small {
    display: block;
    margin-top: 4px;
    color: var(--gold-light);
    font-size: 8px;
    letter-spacing: 2px;
}

.footer-links {
    display: flex;
    justify-content: flex-end;
    gap: 16px;
    flex-wrap: wrap;
    margin-top: -27px;
    font-size: 11px;
}

.copyright {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    margin-top: 22px;
    padding-top: 13px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    color: #f2f2f2;
    font-size: 9px;
}


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

@media (max-width: 1700px) {
    /* Below this width there isn't room for the side-by-side taglines
       (the second one now wide enough to read as two lines) next to
       the header-right contact info without pushing it off screen, so
       they drop off rather than forcing an overflow. */
    .brand-taglines {
        display: none;
    }
}

@media (max-width: 1100px) {
    .brand-copy strong {
        font-size: 24px;
    }

    .contact-row {
        gap: 12px;
        font-size: 13px;
    }

    .nav {
        gap: 10px;
        font-size: 12px;
    }

    .nav a img {
        width: 30px;
        height: 30px;
    }

    .coverage-item {
        padding-left: 8px;
        padding-right: 8px;
    }

    .why-panel {
        padding-left: 24px;
        padding-right: 24px;
    }

    .quote-card {
        margin-left: 5px;
        margin-right: 5px;
        padding-left: 15px;
        padding-right: 15px;
    }
}

@media (max-width: 900px) {
    .topbar {
        min-height: 76px;
    }

    .brand img {
        width: 76px;
        height: 78px;
    }

    .brand-copy strong {
        font-size: 20px;
    }

    .brand-taglines {
        display: none;
    }

    .brand-copy small {
        font-size: 9px;
        letter-spacing: 1px;
    }

    .header-right {
        display: none;
    }

    .nav {
        justify-content: center;
        gap: 14px;
        padding: 8px 3vw;
        flex-wrap: wrap;
        font-size: 11px;
    }

    .nav a img {
        width: 26px;
        height: 26px;
    }

    .nav .search {
        display: none;
    }

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

    .florida-reference {
        min-height: 354px;
    }

    .why-panel {
        min-height: 330px;
    }

    .quote-card {
        margin: 15px;
    }

    .about-section {
        grid-template-columns: 1fr;
    }

    .about-image {
        min-height: 320px;
    }

    .contact-section {
        flex-direction: column;
        align-items: flex-start;
    }

    .contact-col {
        align-items: flex-start;
    }

    .contact-details {
        justify-content: flex-start;
    }

    .weekend-note {
        text-align: left;
    }

    .footer-links {
        justify-content: flex-start;
        margin-top: 22px;
    }

    .copyright {
        text-align: left;
    }

    .copyright {
        display: block;
    }

    /* Only the Privacy/Terms links drop to their own line — not the
       year, which sits inline in "© 2026 RLY Insurance Group LLC". */
    .copyright > span:last-child {
        display: block;
        margin-top: 8px;
    }
}

/* =========================
   HOMEOWNERS PAGE
   ========================= */

.nav a.current {
    color: var(--gold-light);
}

.hero-combo {
    display: grid;
    grid-template-columns: 50% 50%;
    background: var(--navy);
}

.hero-combo-copy {
    padding: 36px 4vw 36px 6vw;
    color: #fff;
    container-type: inline-size;
}

.hero-combo-badge {
    display: block;
    height: 44px;
    margin: 0 0 10px;
    filter: drop-shadow(0 3px 8px rgba(0, 0, 0, 0.35));
}

.hero-combo-copy .eyebrow {
    margin: 0 0 8px;
    color: var(--gold-light);
    font-size: 11px;
    letter-spacing: 4px;
}

.hero-combo-copy h1 {
    margin: 0 0 12px;
    color: #fff;
    font: 400 32px/1.15 Georgia, "Times New Roman", serif;
}

/* Keeps "Meet Mark S. Youngelson, CPIA" on a single line at any screen
   width by shrinking fluidly with the viewport instead of wrapping. */
.hero-combo-copy h1.hero-name-line {
    white-space: nowrap;
    font-size: clamp(17px, 7.3cqw, 32px);
}

.hero-combo-copy p {
    max-width: 460px;
    margin: 0 0 16px;
    color: #dce6ec;
    font-size: 13.5px;
    line-height: 1.55;
}

.hero-combo-policy {
    padding: 36px 6vw 36px 4vw;
    background: #fff;
}

.hero-combo-policy h2 {
    margin: 4px 0 18px;
    color: var(--ink);
    font: 400 24px/1.2 Georgia, "Times New Roman", serif;
}

.policy-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.policy-row {
    display: flex;
    align-items: flex-start;
    gap: 13px;
}

.policy-icon-sm {
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 38px;
    width: 38px;
    height: 38px;
    margin-top: 1px;
    border: 1px solid var(--gold-line, #e9d3a0);
    border-radius: 50%;
}

.policy-icon-sm svg {
    width: 17px;
    height: 17px;
    fill: none;
    stroke: var(--gold);
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.policy-row h3 {
    margin: 0 0 4px;
    color: var(--ink);
    font: 700 13.5px Georgia, "Times New Roman", serif;
    letter-spacing: 0.2px;
}

.policy-row p {
    margin: 0;
    color: #4a5760;
    font-size: 12px;
    line-height: 1.48;
}

.article-body {
    padding: 58px 7vw 64px;
}

.article-inner {
    max-width: 740px;
    margin: 0 auto;
}

.article-inner .section-kicker.muted {
    color: #66727b;
}

.article-inner .section-kicker.gold {
    color: var(--gold);
}

.article-inner .article-subhead {
    margin-top: 40px;
}

.article-inner h2 {
    margin: 6px 0 22px;
    color: var(--ink);
    font: 400 34px/1.15 Georgia, "Times New Roman", serif;
}

.article-inner p {
    margin: 0 0 20px;
    color: #33424c;
    font-size: 14.5px;
    line-height: 1.75;
}

.article-inner p:last-child {
    margin-bottom: 0;
}

.article-photo {
    margin: 8px 0 28px;
    text-align: center;
}

.article-photo img {
    display: block;
    width: 100%;
    max-width: 380px;
    margin: 0 auto;
    border-radius: 4px;
    box-shadow: 0 10px 30px rgba(3, 9, 24, 0.18);
}

.article-photo figcaption {
    margin-top: 10px;
    color: var(--muted);
    font: 400 12px/1.4 Georgia, "Times New Roman", serif;
    font-style: italic;
    letter-spacing: 0.2px;
}

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

    .hero-combo-copy,
    .hero-combo-policy {
        padding: 32px 6vw;
    }
}

@media (max-width: 620px) {
    .hero-combo-copy,
    .hero-combo-policy {
        padding: 26px 6vw;
    }

    .hero-combo-copy h1 {
        font-size: 27px;
    }

    .article-body {
        padding: 40px 7vw 46px;
    }

    .article-inner h2 {
        font-size: 27px;
    }
}

@media (max-width: 620px) {
    .topbar {
        padding: 5px 4vw;
    }

    .brand img {
        width: 58px;
        height: 60px;
    }

    .brand-copy strong {
        font-size: 16px;
    }

    .brand-copy small {
        font-size: 6px;
        letter-spacing: 0.7px;
    }

    .nav {
        font-size: 10px;
        gap: 8px;
    }

    .nav a img {
        width: 20px;
        height: 20px;
    }

    .hero-reference {
        height: 60vh;
        min-height: 380px;
    }

    .hero-reference img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        object-position: center;
    }

    .hero-reference-copy {
        left: 5vw;
        right: 5vw;
        top: 8%;
        max-width: none;
    }

    .hero-reference-copy h1 {
        font-size: 26px;
    }

    .coverage-strip {
        grid-template-columns: repeat(2, 1fr);
        min-height: auto;
        padding: 8px;
    }

    .coverage-item {
        min-height: 145px;
        padding: 12px 5px;
        border-bottom: 1px solid #ddd;
    }

    .coverage-item strong {
        font-size: 15px;
    }

    .coverage-item small {
        font-size: 12px;
    }

    .florida-reference {
        min-height: 200px;
    }

    .why-panel {
        padding: 25px 20px;
    }

    .section-kicker {
        font-size: 14px;
        letter-spacing: 1.8px;
        white-space: normal;
    }

    .quote-card {
        margin: 10px;
    }

    .about-copy {
        padding: 45px 7vw;
    }

    .about-copy h2 {
        font-size: 35px;
    }

    .about-stats {
        max-width: none;
        gap: 0;
    }

    .about-stat {
        padding: 0 6px;
    }

    .about-stat-number {
        font-size: 24px;
    }

    .about-stat-number.stars {
        font-size: 14px;
    }

    .about-stat-label {
        font-size: 8px;
    }

    .contact-section h2 {
        font-size: 31px;
    }

    .contact-details {
        font-size: 14px;
    }
}


/* =========================
   HOMEOWNERS — THE RLY ADVANTAGE
   ========================= */

.hero-combo-copy p.hero-advantage-line {
    color: var(--gold-light);
    font: italic 400 15px/1.5 Georgia, "Times New Roman", serif;
}

.advantage-section {
    padding: 56px 7vw 60px;
    background: #fff;
    border-top: 3px solid var(--gold);
    text-align: center;
}

.advantage-inner {
    max-width: 1040px;
    margin: 0 auto;
}

.advantage-section .advantage-kicker {
    color: var(--gold);
    white-space: normal;
}

.advantage-section h2 {
    margin: 6px 0 16px;
    color: var(--ink);
    font: 400 34px/1.15 Georgia, "Times New Roman", serif;
}

.advantage-intro {
    max-width: 760px;
    margin: 0 auto 34px;
    color: #33424c;
    font-size: 15px;
    line-height: 1.75;
}

.advantage-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    margin-bottom: 34px;
    text-align: left;
}

.advantage-card {
    padding: 26px 24px 24px;
    background: var(--cream);
    border: 1px solid var(--line);
    border-top: 3px solid var(--gold);
    border-radius: 3px;
}

.advantage-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    margin-bottom: 14px;
    border-radius: 50%;
    background: var(--navy);
}

.advantage-icon svg {
    width: 22px;
    height: 22px;
    fill: none;
    stroke: var(--gold-light);
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.advantage-card h3 {
    margin: 0 0 10px;
    color: var(--ink);
    font: 700 13px/1.3 Arial, Helvetica, sans-serif;
    letter-spacing: 1.6px;
}

.advantage-card p {
    margin: 0;
    color: #33424c;
    font-size: 14px;
    line-height: 1.7;
}

.advantage-close {
    max-width: 720px;
    margin: 0 auto 22px;
    color: var(--ink);
    font: 400 20px/1.5 Georgia, "Times New Roman", serif;
}

.advantage-close strong {
    color: var(--gold);
    font-weight: 400;
    font-style: italic;
}

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

@media (max-width: 620px) {
    .advantage-section {
        padding: 40px 6vw 44px;
    }

    .advantage-section h2 {
        font-size: 27px;
    }

    .advantage-close {
        font-size: 17px;
    }
}

.advantage-section .advantage-subkicker {
    margin: 0 0 18px;
    color: #66727b;
    white-space: normal;
}

.advantage-grid.advantage-grid-4 {
    grid-template-columns: repeat(4, 1fr);
}

@media (max-width: 1100px) {
    .advantage-grid.advantage-grid-4 {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 620px) {
    .advantage-grid.advantage-grid-4 {
        grid-template-columns: 1fr;
    }
}


/* =========================
   ANCHOR SCROLL OFFSET
   Fixes in-page links (e.g. "GET A QUOTE") landing behind the
   sticky header instead of at the top of the target section.
   ========================= */
#home, #insurance, #florida, #why-rly, #quote, #about, #testimonials, #contact {
    scroll-margin-top: 205px;
}

@media (max-width: 900px) {
    #home, #insurance, #florida, #why-rly, #quote, #about, #testimonials, #contact {
        scroll-margin-top: 220px;
    }
}

@media (max-width: 620px) {
    #home, #insurance, #florida, #why-rly, #quote, #about, #testimonials, #contact {
        scroll-margin-top: 180px;
    }
}

/* ─── Legal pages (Privacy Policy, Terms of Use) ──────────────────────── */
.legal-hero {
    padding: 54px 7vw 40px;
    background: var(--navy, #030918);
    color: #fff;
}

.legal-hero-inner {
    max-width: 740px;
    margin: 0 auto;
}

.legal-hero h1 {
    margin: 6px 0 18px;
    color: #fff;
    font: 400 40px/1.12 Georgia, "Times New Roman", serif;
}

.legal-lede {
    margin: 0 0 18px;
    color: #f2f2f2;
    font-size: 16px;
    line-height: 1.7;
}

.legal-dates {
    margin: 0;
    color: #f2f2f2;
    font-size: 13px;
    letter-spacing: .02em;
}

.legal-doc ul {
    margin: 0 0 20px;
    padding-left: 22px;
    color: #33424c;
    font-size: 14.5px;
    line-height: 1.75;
}

.legal-doc li {
    margin-bottom: 9px;
}

.legal-doc a {
    color: #8c6810;
    text-decoration: underline;
}

.legal-doc a:hover {
    color: var(--gold, #d9a21b);
}

.copyright a {
    color: inherit;
    text-decoration: underline;
}

.copyright a:hover {
    color: var(--gold, #d9a21b);
}

@media (max-width: 720px) {
    .legal-hero { padding: 38px 6vw 30px; }
    .legal-hero h1 { font-size: 30px; }
    .legal-lede { font-size: 15px; }
}

.privacy-consent {
    margin: 12px 0 4px;
    color: #5d6b76;
    font-size: 10.5px;
    line-height: 1.55;
    text-align: center;
}

.privacy-consent a {
    color: #8c6810;
    font-weight: 700;
    text-decoration: underline;
}

/* =========================
   REFERRAL PARTNERS — HOW IT WORKS & PARTNER TYPES
   Reuses the homeowners "advantage" cards; step cards show a number
   in the navy circle instead of an icon.
   ========================= */

.advantage-icon.step-number {
    color: var(--gold-light);
    font: 700 18px/1 Georgia, "Times New Roman", serif;
}

/* Consecutive advantage sections alternate white and cream so they read
   as separate bands instead of one long block. */
.advantage-section.steps-section {
    background: var(--cream);
}

.advantage-section.steps-section .advantage-card {
    background: #fff;
}

.article-inner .partner-checklist {
    margin: 0 0 20px;
    padding-left: 22px;
    color: #33424c;
    font-size: 15px;
    line-height: 1.75;
}

.article-inner .partner-checklist li {
    margin-bottom: 8px;
}

.article-inner .partner-checklist li::marker {
    color: var(--gold);
}


/* =========================
   MOBILE MENU, TAP-TO-CALL & STICKY ACTION BAR
   Phones and small tablets (900px and narrower) get a ☰ menu button,
   a gold "Tap to call" strip under the header, and a bar fixed to the
   bottom of the screen with Call, Text and Quote buttons.
   ========================= */

.nav-toggle,
.mobile-call,
.mobile-action-bar {
    display: none;
}

@media (max-width: 900px) {
    .topbar {
        gap: 10px;
    }

    .nav-toggle {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        flex: 0 0 44px;
        width: 44px;
        height: 44px;
        margin-left: auto;
        padding: 0;
        border: 1px solid rgba(244, 196, 48, 0.6);
        border-radius: 4px;
        color: var(--gold-light);
        background: transparent;
        font-size: 24px;
        line-height: 1;
        cursor: pointer;
    }

    .mobile-call {
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 8px;
        min-height: 42px;
        padding: 8px 4vw;
        color: #030918;
        background: linear-gradient(#f4c430, #d9a21b);
        font-size: 14px;
        font-weight: 700;
        letter-spacing: 1px;
    }

    .mobile-call svg,
    .mobile-action-bar svg {
        width: 18px;
        height: 18px;
        fill: none;
        stroke: currentColor;
        stroke-width: 1.8;
        stroke-linecap: round;
        stroke-linejoin: round;
    }

    .site-header .nav {
        display: none;
    }

    .site-header.nav-open .nav {
        display: flex;
        flex-direction: column;
        flex-wrap: nowrap;
        align-items: stretch;
        gap: 0;
        max-height: calc(100vh - 150px);
        overflow-y: auto;
        padding: 4px 0 8px;
        font-size: 13px;
    }

    .site-header.nav-open .nav a {
        flex: none;
        flex-direction: row;
        justify-content: flex-start;
        gap: 12px;
        padding: 11px 6vw;
        border-top: 1px solid rgba(255, 255, 255, 0.08);
    }

    .site-header.nav-open .nav a img {
        width: 24px;
        height: 24px;
    }

    .mobile-action-bar {
        position: fixed;
        left: 0;
        right: 0;
        bottom: 0;
        z-index: 60;
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        padding-bottom: env(safe-area-inset-bottom);
        background: var(--navy);
        border-top: 1px solid var(--gold);
        box-shadow: 0 -3px 14px rgba(0, 0, 0, 0.25);
    }

    .mobile-action-bar a {
        display: flex;
        flex-direction: column;
        align-items: center;
        justify-content: center;
        gap: 4px;
        min-height: 56px;
        color: #fff;
        font-size: 11px;
        font-weight: 700;
        letter-spacing: 1.4px;
    }

    .mobile-action-bar a + a {
        border-left: 1px solid rgba(255, 255, 255, 0.12);
    }

    .mobile-action-bar a.is-quote {
        color: #030918;
        background: linear-gradient(#f4c430, #d9a21b);
    }

    /* Keep the footer from hiding behind the fixed action bar. */
    body {
        padding-bottom: calc(56px + env(safe-area-inset-bottom));
    }
}

/* =========================
   QUOTE FORM ON PHONES
   iPhones zoom the whole page in when a field with text smaller than
   16px is tapped. Using 16px text in the form fields on phones and
   small tablets stops that zoom.
   ========================= */

@media (max-width: 900px) {
    .quote-card input,
    .quote-card select,
    .quote-card textarea {
        font-size: 16px;
    }

    .quote-card label > span {
        top: 10px;
    }
}

/* =========================
   ABOUT PAGE — HEADSHOT BESIDE "MEET MARK YOUNGELSON, CPIA"
   ========================= */

.about-intro {
    display: flex;
    align-items: center;
    gap: 22px;
    margin: 0 0 16px;
}

.about-headshot {
    flex: 0 0 auto;
    width: 132px;
    height: 165px;
    object-fit: cover;
    object-position: center 20%;
    border: 2px solid var(--gold-light);
    border-radius: 6px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.35);
}

/* The name sizes itself to this column (not the whole hero) now that the
   photo sits beside it: one line on wide screens, two when space is tight. */
.about-intro-text {
    flex: 1 1 auto;
    min-width: 0;
    container-type: inline-size;
}

.hero-combo-copy .about-intro-text h1.hero-name-line {
    margin-bottom: 0;
    white-space: normal;
    font-size: clamp(22px, 7.4cqw, 32px);
    line-height: 1.2;
}

@media (max-width: 620px) {
    .about-intro {
        gap: 14px;
    }

    .about-headshot {
        width: 96px;
        height: 120px;
    }

    .hero-combo-copy .about-intro-text h1.hero-name-line {
        font-size: 22px;
    }
}

/* =========================
   ABOUT PAGE — SQUARE "SAVE MY CONTACT" BUTTON
   Sits beside the intro paragraph under "Meet Mark Youngelson, CPIA"
   and downloads Mark's contact card (mark-youngelson.vcf).
   ========================= */

.about-story {
    display: flex;
    align-items: center;
    gap: 28px;
}

.hero-combo-copy .about-story p {
    margin-bottom: 0;
}

/* Narrow column (phones, small laptops): the paragraph needs the full
   width, so the button goes below it. */
@container (max-width: 560px) {
    .about-story {
        flex-direction: column;
        align-items: flex-start;
        gap: 18px;
    }
}

.contact-square {
    flex: 0 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 104px;
    height: 104px;
    padding: 8px;
    border: 1px solid #f4c430;
    border-radius: 4px;
    color: #030918;
    background: linear-gradient(#f4c430, #d9a21b);
    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.3);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1.4px;
    line-height: 1.3;
    text-align: center;
    transition: transform 0.15s, box-shadow 0.15s;
}

.contact-square:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 22px rgba(0, 0, 0, 0.38);
}

.contact-square svg {
    width: 30px;
    height: 30px;
    fill: none;
    stroke: currentColor;
    stroke-width: 1.8;
    stroke-linecap: round;
    stroke-linejoin: round;
}


/* =========================
   RLY brand palette
   Deep navy  #030918   Rich gold   #d9a21b   Highlight gold #f4c430
   Silver     #f2f2f2   White       #FFFFFF
   Load this after styles.css.
   ========================= */

:root {
    --navy: #030918;
    --navy-dark: #030918;
    --ink: #030918;
    --gold: #d9a21b;
    --gold-light: #f4c430;
    --silver: #f2f2f2;
    --white: #ffffff;
    --gold-text: #8c6810;     /* darker shade of #d9a21b for gold text on light backgrounds */
    --gold-metal: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 100%);
    --silver-metal: linear-gradient(180deg, var(--white) 0%, var(--silver) 100%);
}

/* Header shows the shield mark only (transparent background); the name sits beside it.
   Width/height stay as set in styles.css so its mobile sizes still apply. */
.brand img {
    object-fit: contain;
    object-position: center;
    margin-top: 0;
    filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.45));
}

/* Company name: silver "RLY", gold "INSURANCE GROUP LLC", same as the logo */
.brand-copy strong .brand-rly,
.brand-copy strong .brand-ig {
    background-clip: text;
    -webkit-background-clip: text;
    color: transparent;
}
.brand-copy strong .brand-rly { background-image: var(--silver-metal); }
.brand-copy strong .brand-ig  { background-image: var(--gold-metal); }

/* Header: white primary text, silver secondary, gold accents */
.brand-copy small,
.phone-lines .phone-label,
.phone-lines .phone-icon { color: var(--silver); }
.brand-tagline-item,
.phone-lines a,
.nav a { color: var(--white); }
.brand-taglines { border-left-color: rgba(217, 162, 27, 0.4); }
.nav { border-top: 1px solid rgba(217, 162, 27, 0.25); }

.nav a:hover,
.nav a.current { color: var(--gold-light); }

.gold-btn {
    background: var(--gold-metal);
    border-color: var(--gold-light);
    color: var(--navy);
}
.gold-btn:hover { background: var(--gold-light); }

/* Hero */
.hero-reference-copy .eyebrow { color: var(--gold-light); }

/* Section headings on navy pick up the gold */
.section-kicker { color: var(--gold-light); }