*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --navy:#1a3a6b;
  --navy-dark:#122a52;
  --navy-light:#2a4f8f;
  --orange:#e8600a;
  --orange-hover:#cc5208;
  --bg:#f0f2f7;
  --bg-card:#ffffff;
  --text:#111827;
  --muted:#6b7280;
  --border:#e5e7eb;
  --radius:12px;
}
html{scroll-behavior:smooth;}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);line-height:1.6;}
nav{
  position:fixed;top:0;left:0;right:0;z-index:200;
  background:rgba(18,42,82,0.97);backdrop-filter:blur(8px);
  display:flex;align-items:center;justify-content:space-between;
  padding:0 2.5rem;height:60px;
}
.nav-left{display:flex;align-items:center;gap:10px;text-decoration:none;}
.nav-brand-name{color:#fff;font-size:16px;font-weight:700;letter-spacing:-0.01em;}
.nav-links{display:flex;align-items:center;gap:4px;}
.nav-links a{color:rgba(255,255,255,0.8);text-decoration:none;font-size:14px;font-weight:500;padding:6px 14px;border-radius:8px;transition:all 0.18s;}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,0.1);}
.nav-phone{display:flex;align-items:center;gap:8px;background:transparent;border:1.5px solid rgba(255,255,255,0.4);color:#fff;text-decoration:none;font-size:14px;font-weight:600;padding:7px 16px;border-radius:8px;transition:all 0.18s;}
.nav-phone:hover{background:rgba(255,255,255,0.12);border-color:rgba(255,255,255,0.7);}
.page{display:none;}
.page.active{display:block;}
.hero{position:relative;min-height:auto;background:linear-gradient(135deg,#0f2550 0%,#1a3a6b 40%,#2255a0 100%);display:flex;align-items:center;overflow:hidden;padding-top:64px;}

.hero-inner{position:relative;z-index:2;max-width:1200px;margin:0 auto;width:100%;padding:50px 2.5rem;display:grid;grid-template-columns:1fr 480px;gap:48px;align-items:center;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.2);color:rgba(255,255,255,0.9);font-size:13px;font-weight:500;padding:6px 14px;border-radius:20px;margin-bottom:24px;}
.hero-badge-dot{color:var(--orange);font-size:16px;}
.hero h1{font-size:clamp(36px,4.5vw,58px);font-weight:900;line-height:1.1;letter-spacing:-0.03em;color:#fff;margin-bottom:20px;}
.hero h1 span{color:var(--orange);}
.hero-sub{font-size:17px;color:rgba(255,255,255,0.72);line-height:1.7;max-width:480px;margin-bottom:36px;}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:40px;}
.btn-orange{background:var(--orange);color:#fff;border:none;padding:14px 26px;border-radius:10px;font-size:15px;font-weight:700;cursor:pointer;transition:all 0.18s;text-decoration:none;display:inline-flex;align-items:center;gap:8px;}
.btn-orange:hover{background:var(--orange-hover);transform:translateY(-1px);}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,0.45);padding:13px 26px;border-radius:10px;font-size:15px;font-weight:600;cursor:pointer;transition:all 0.18s;text-decoration:none;display:inline-flex;align-items:center;gap:8px;}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,0.08);}
.hero-trust{display:flex;gap:24px;flex-wrap:wrap;}
.hero-trust-item{display:flex;align-items:center;gap:7px;color:rgba(255,255,255,0.7);font-size:13px;font-weight:500;}
.hero-card{background:#fff;border-radius:16px;padding:32px 28px;box-shadow:0 24px 64px rgba(0,0,0,0.28);}
.hero-card-title{display:flex;align-items:center;gap:10px;font-size:20px;font-weight:800;color:var(--text);margin-bottom:24px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.form-group{margin-bottom:14px;}
.form-group label{display:block;font-size:12px;font-weight:600;color:var(--muted);margin-bottom:6px;letter-spacing:0.02em;}
.form-group input{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'Inter',sans-serif;font-size:14px;color:var(--text);outline:none;transition:border-color 0.18s;}
.form-group input:focus{border-color:var(--navy);}
.checkbox-label{font-size:13px;font-weight:600;color:var(--muted);margin-bottom:10px;display:block;}
.checkbox-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:16px;}
.cb-item{display:flex;align-items:center;justify-content:center;gap:10px;border:1.5px solid var(--border);border-radius:8px;padding:10px 12px;cursor:pointer;transition:all 0.18s;font-size:13px;font-weight:500;min-height:44px;white-space:nowrap;overflow:hidden;line-height:1;margin:0;}
.cb-item input[type=checkbox]{width:16px;height:16px;margin:0;padding:0;flex-shrink:0;}
.cb-item span{display:flex;align-items:center;line-height:1;}
.cb-item:hover{border-color:var(--navy);background:#f0f4ff;}
.cb-item input[type=checkbox]{width:16px;height:16px;accent-color:var(--navy);flex-shrink:0;}
.cb-item.checked{border-color:var(--navy);background:#eef2ff;}
.submit-btn{width:100%;background:var(--orange);color:#fff;border:none;padding:15px;border-radius:10px;font-size:15px;font-weight:700;font-family:'Inter',sans-serif;cursor:pointer;transition:background 0.18s;}
.submit-btn:hover{background:var(--orange-hover);}
.form-disclaimer{font-size:11px;color:var(--muted);text-align:center;margin-top:10px;line-height:1.5;}
.success-msg{display:none;background:#dcfce7;border:1px solid #86efac;border-radius:10px;padding:14px;text-align:center;color:#15803d;font-size:14px;margin-top:12px;}
.products-section{background:#f0f2f7;padding:90px 2.5rem;}
.section-inner{max-width:1100px;margin:0 auto;}
.section-eyebrow{font-size:12px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--orange);text-align:center;margin-bottom:12px;}
.section-title{font-size:clamp(30px,3.5vw,46px);font-weight:900;letter-spacing:-0.03em;color:var(--text);text-align:center;margin-bottom:14px;line-height:1.1;}
.section-sub{font-size:16px;color:var(--muted);text-align:center;max-width:540px;margin:0 auto 52px;}
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.prod-card{background:#fff;border-radius:var(--radius);padding:28px 24px;border:1.5px solid var(--border);cursor:pointer;transition:all 0.2s;}
.prod-card:hover{border-color:var(--navy-light);box-shadow:0 8px 32px rgba(26,58,107,0.1);transform:translateY(-2px);}
.prod-card.featured{background:var(--navy);border-color:var(--navy);}
.prod-icon-wrap{width:48px;height:48px;border-radius:10px;background:#eef2ff;display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.prod-card.featured .prod-icon-wrap{background:rgba(255,255,255,0.15);}
.prod-icon-wrap svg{width:24px;height:24px;color:var(--navy);}
.prod-card.featured .prod-icon-wrap svg{color:#fff;}
.prod-card h3{font-size:17px;font-weight:700;color:var(--text);margin-bottom:8px;}
.prod-card.featured h3{color:#fff;}
.prod-card p{font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:20px;}
.prod-card.featured p{color:rgba(255,255,255,0.75);}
.prod-link{font-size:14px;font-weight:700;color:var(--navy);text-decoration:none;display:inline-flex;align-items:center;gap:5px;transition:gap 0.18s;}
.prod-link:hover{gap:9px;}
.prod-card.featured .btn-white{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--navy);border:none;padding:11px 20px;border-radius:8px;font-size:14px;font-weight:700;cursor:pointer;transition:all 0.18s;font-family:'Inter',sans-serif;}
.prod-card.featured .btn-white:hover{background:#f0f4ff;}
.prod-card.featured .orange-star{color:var(--orange);font-size:20px;margin-bottom:16px;}
.why-section{background:#fff;padding:90px 2.5rem;}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:52px;}
.why-card{padding:28px 24px;border-radius:var(--radius);border:1.5px solid var(--border);}
.why-icon{font-size:28px;margin-bottom:14px;}
.why-card h3{font-size:17px;font-weight:700;color:var(--text);margin-bottom:8px;}
.why-card p{font-size:14px;color:var(--muted);line-height:1.7;}
.about-section{background:#f0f2f7;padding:90px 2.5rem;}
.about-inner{max-width:900px;margin:0 auto;display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:center;}
.about-photo{background:var(--navy);border-radius:16px;aspect-ratio:3/4;display:flex;flex-direction:column;align-items:center;justify-content:center;color:rgba(255,255,255,0.4);gap:10px;font-size:13px;}
.about-photo-icon{font-size:52px;}
.about-text h2{font-size:clamp(26px,3vw,36px);font-weight:900;color:var(--text);letter-spacing:-0.02em;margin-bottom:16px;}
.about-text p{font-size:15px;color:var(--muted);line-height:1.8;margin-bottom:14px;}
.about-sig{font-size:22px;font-weight:800;color:var(--navy);margin-top:20px;letter-spacing:-0.01em;}
.contact-page{background:#f0f2f7;padding:100px 2.5rem 80px;}
.contact-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1fr 520px;gap:60px;align-items:start;}
.contact-left h1{font-size:clamp(28px,3.5vw,42px);font-weight:900;color:var(--text);letter-spacing:-0.02em;margin-bottom:14px;}
.contact-left p{font-size:15px;color:var(--muted);line-height:1.8;margin-bottom:32px;}
.contact-detail{display:flex;align-items:center;gap:14px;margin-bottom:18px;font-size:15px;color:var(--text);}
.contact-icon{width:42px;height:42px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.contact-icon svg{width:18px;height:18px;color:#fff;}
.contact-card{background:#fff;border-radius:16px;padding:36px 32px;box-shadow:0 8px 32px rgba(0,0,0,0.08);}
.contact-card h2{font-size:22px;font-weight:800;color:var(--text);margin-bottom:22px;display:flex;align-items:center;gap:10px;}
.espanol-box{background:#eef2ff;border-radius:10px;padding:16px 18px;font-size:14px;color:var(--navy);line-height:1.7;margin-top:28px;}
.espanol-box strong{display:block;font-weight:700;margin-bottom:2px;}
footer{background:var(--navy-dark);color:rgba(255,255,255,0.55);text-align:center;padding:28px 2rem;font-size:13px;line-height:1.9;}
footer strong{color:rgba(255,255,255,0.9);}
footer a{color:rgba(255,255,255,0.6);text-decoration:none;}
footer a:hover{color:#fff;}
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:40px;}
  .cards-grid{grid-template-columns:1fr 1fr;}
  .why-grid{grid-template-columns:1fr;}
  .about-inner{grid-template-columns:1fr;}
  .contact-inner{grid-template-columns:1fr;}
  .nav-links{display:none;}
}
@media(max-width:600px){
  .cards-grid{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .checkbox-grid{grid-template-columns:1fr 1fr;}
  .hero-inner{padding:60px 1.5rem;}
}

/* Coverage page */
.coverage-page{padding:100px 2.5rem 80px;background:#f0f2f7;}
.coverage-hero{text-align:center;max-width:720px;margin:0 auto 60px;}
.coverage-hero h1{font-size:clamp(34px,4vw,52px);font-weight:900;color:var(--text);letter-spacing:-0.03em;margin-bottom:14px;line-height:1.1;}
.coverage-hero p{font-size:17px;color:var(--muted);}
.cov-block{max-width:1100px;margin:0 auto 40px;background:#fff;border-radius:16px;padding:40px 36px;border:1.5px solid var(--border);}
.cov-block-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:40px;align-items:start;}
.cov-block-icon{width:56px;height:56px;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.cov-block-icon svg{width:28px;height:28px;color:#fff;}
.cov-block h2{font-size:26px;font-weight:800;color:var(--text);letter-spacing:-0.02em;margin-bottom:10px;}
.cov-block-tagline{font-size:15px;color:var(--muted);line-height:1.7;margin-bottom:20px;}
.cov-list{list-style:none;padding:0;margin:0 0 22px;}
.cov-list li{padding:8px 0 8px 28px;position:relative;font-size:14.5px;color:var(--text);line-height:1.6;border-bottom:1px solid var(--border);}
.cov-list li:last-child{border-bottom:none;}
.cov-list li::before{content:"";position:absolute;left:0;top:14px;width:16px;height:16px;background:var(--orange);mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"/></svg>') no-repeat center/contain;-webkit-mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"/></svg>') no-repeat center/contain;}
.cov-discounts{background:#f0f4ff;border-radius:10px;padding:16px 18px;margin-bottom:18px;}
.cov-discounts strong{display:block;font-size:13px;color:var(--navy);font-weight:700;text-transform:uppercase;letter-spacing:0.04em;margin-bottom:6px;}
.cov-discounts span{font-size:14px;color:var(--text);}
.specialty-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px;}
.specialty-item{background:#f8fafc;border:1.5px solid var(--border);border-radius:10px;padding:18px;text-align:center;}
.specialty-item .si-icon{font-size:24px;margin-bottom:6px;}
.specialty-item h4{font-size:14px;font-weight:700;color:var(--text);margin-bottom:4px;}
.specialty-item p{font-size:12.5px;color:var(--muted);line-height:1.5;}

/* Testimonials */
.testimonials-section{background:#fff;padding:90px 2.5rem;}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:52px;max-width:1100px;margin-left:auto;margin-right:auto;}
.testi-card{background:#f8fafc;border:1.5px solid var(--border);border-radius:14px;padding:28px;}
.testi-stars{color:var(--orange);font-size:15px;margin-bottom:12px;letter-spacing:2px;}
.testi-quote{font-size:15px;color:var(--text);line-height:1.7;margin-bottom:18px;}
.testi-author{display:flex;align-items:center;gap:12px;}
.testi-avatar{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;}
.testi-name{font-size:14px;font-weight:700;color:var(--text);}
.testi-where{font-size:12px;color:var(--muted);}

/* Discounts callout */
.discounts-section{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);padding:80px 2.5rem;color:#fff;}
.disc-inner{max-width:1100px;margin:0 auto;}
.disc-eyebrow{font-size:12px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--orange);text-align:center;margin-bottom:12px;}
.disc-title{font-size:clamp(28px,3.5vw,40px);font-weight:900;letter-spacing:-0.03em;text-align:center;margin-bottom:14px;line-height:1.1;color:#fff;}
.disc-sub{text-align:center;color:rgba(255,255,255,0.75);max-width:560px;margin:0 auto 48px;font-size:16px;}
.disc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
.disc-card{background:rgba(255,255,255,0.08);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,0.15);border-radius:12px;padding:22px 20px;}
.disc-card h3{font-size:15px;font-weight:700;color:#fff;margin-bottom:6px;}
.disc-card p{font-size:13px;color:rgba(255,255,255,0.7);line-height:1.6;}
.disc-card .disc-percent{color:var(--orange);font-size:22px;font-weight:900;margin-bottom:8px;}

/* FAQ */
.faq-section{background:#f0f2f7;padding:90px 2.5rem;}
.faq-grid{max-width:780px;margin:52px auto 0;}
.faq-item{background:#fff;border:1.5px solid var(--border);border-radius:12px;margin-bottom:12px;overflow:hidden;transition:all 0.18s;}
.faq-item.open{border-color:var(--navy);}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:18px 22px;font-size:15px;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:'Inter',sans-serif;}
.faq-q:hover{background:#f8fafc;}
.faq-toggle{font-size:20px;color:var(--orange);font-weight:300;transition:transform 0.2s;flex-shrink:0;margin-left:14px;}
.faq-item.open .faq-toggle{transform:rotate(45deg);}
.faq-a{padding:0 22px 0;max-height:0;overflow:hidden;transition:all 0.3s ease;color:var(--muted);font-size:14.5px;line-height:1.7;}
.faq-item.open .faq-a{padding:0 22px 20px;max-height:400px;}

@media(max-width:900px){
  .cov-block-grid{grid-template-columns:1fr;}
  .testi-grid{grid-template-columns:1fr;}
  .disc-grid{grid-template-columns:1fr 1fr;}
  .specialty-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:600px){
  .disc-grid{grid-template-columns:1fr;}
  .cov-block{padding:30px 22px;}
}

.hero-meta-row{display:flex;align-items:center;gap:12px;margin-bottom:20px;}
.hero-headshot{width:48px;height:48px;border-radius:50%;overflow:hidden;border:2px solid rgba(255,255,255,0.3);flex-shrink:0;}
.hero-headshot img{width:100%;height:100%;object-fit:cover;object-position:center 15%;display:block;}
.hero-meta-name{font-size:14px;font-weight:700;color:#fff;line-height:1.3;}
.hero-meta-role{font-size:12px;color:rgba(255,255,255,0.65);line-height:1.4;}

/* Click-to-call quick contact bar */
.quick-contact-bar{
  background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border);
  padding:14px 2.5rem;display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap;
  font-size:14px;color:var(--text);
}
.quick-contact-bar a{color:var(--navy);text-decoration:none;font-weight:700;display:inline-flex;align-items:center;gap:6px;}
.quick-contact-bar a:hover{color:var(--orange);}
.quick-contact-bar .qc-divider{color:var(--border);}

/* Footer expanded */
.footer-disclaimer{font-size:11px;line-height:1.7;opacity:0.5;max-width:780px;margin:14px auto 0;text-align:center;}
.footer-links{margin-top:12px;font-size:12px;}
.footer-links a{color:rgba(255,255,255,0.7);text-decoration:none;margin:0 8px;}
.footer-links a:hover{color:#fff;}

/* Privacy / Terms simple legal pages */
.legal-page{padding:120px 2.5rem 80px;background:#fff;min-height:calc(100vh - 60px);}
.legal-inner{max-width:760px;margin:0 auto;}
.legal-inner h1{font-size:36px;font-weight:900;color:var(--text);letter-spacing:-0.02em;margin-bottom:8px;}
.legal-inner .legal-date{color:var(--muted);font-size:14px;margin-bottom:32px;}
.legal-inner h2{font-size:20px;font-weight:800;color:var(--text);margin-top:32px;margin-bottom:10px;}
.legal-inner p, .legal-inner li{font-size:14.5px;color:var(--muted);line-height:1.75;margin-bottom:14px;}
.legal-inner ul{padding-left:20px;}

.texas-section{background:#fff;padding:90px 2.5rem;}
.tx-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;max-width:900px;margin:52px auto 0;}
.tx-card{display:flex;flex-direction:column;align-items:flex-start;padding:26px 24px;background:#f8fafc;border:1.5px solid var(--border);border-radius:12px;text-decoration:none;color:inherit;transition:all 0.18s;}
.tx-card:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 8px 32px rgba(26,58,107,0.08);}
.tx-icon{font-size:28px;margin-bottom:14px;}
.tx-card h3{font-size:16px;font-weight:700;color:var(--text);margin-bottom:6px;}
.tx-card p{font-size:13.5px;color:var(--muted);line-height:1.65;margin-bottom:14px;flex:1;}
.tx-link{font-size:13px;font-weight:700;color:var(--navy);}
.tx-card:hover .tx-link{color:var(--orange);}
@media(max-width:600px){.tx-grid{grid-template-columns:1fr;}}

@media(max-width:600px){
  nav{padding:0 1rem;}
  .nav-brand-name{font-size:14px;}
  .nav-phone{padding:6px 12px;font-size:13px;}
  .nav-phone svg{display:none;}
}
@media(max-width:380px){
  .nav-brand-name{display:none;}
}

.bundle-row{
  grid-column:1/-1;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
  flex-wrap:wrap;
  text-align:left;
  padding:32px 36px;
}
.bundle-content{
  display:flex;
  align-items:center;
  gap:24px;
  flex:1;
  min-width:280px;
}
.bundle-star{
  font-size:32px;
  color:var(--orange);
  flex-shrink:0;
}
.bundle-btn{flex-shrink:0;}
@media(max-width:700px){
  .bundle-row{
    justify-content:center;
    text-align:center;
    padding:28px 24px;
  }
  .bundle-content{
    flex-direction:column;
    text-align:center;
    gap:14px;
    min-width:0;
    flex:none;
    width:100%;
  }
  .bundle-content > div{text-align:center;}
}

.social-links{display:flex;justify-content:center;gap:12px;margin:18px 0 8px;}
.social-link{
  width:38px;height:38px;border-radius:50%;
  background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);
  display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,0.7);text-decoration:none;
  transition:all 0.18s;
}
.social-link:hover{background:var(--orange);border-color:var(--orange);color:#fff;}
.social-link svg{width:18px;height:18px;}

/* Contact page social section */
.contact-socials{margin-top:28px;display:flex;align-items:center;gap:12px;}
.contact-socials-label{font-size:13px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:0.05em;}
.contact-social{
  width:40px;height:40px;border-radius:10px;
  background:#eef2ff;color:var(--navy);
  display:flex;align-items:center;justify-content:center;text-decoration:none;
  transition:all 0.18s;
}
.contact-social:hover{background:var(--navy);color:#fff;transform:translateY(-2px);}
.contact-social svg{width:20px;height:20px;}

/* SVG icon containers */
.why-icon-svg{
  width:56px;height:56px;border-radius:14px;
  background:#eef2ff;
  display:flex;align-items:center;justify-content:center;
  margin-bottom:18px;
}
.si-icon-svg{
  width:48px;height:48px;border-radius:10px;
  background:rgba(26,58,107,0.06);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 8px;
}
.tx-icon-svg{
  width:48px;height:48px;border-radius:10px;
  background:#eef2ff;
  display:flex;align-items:center;justify-content:center;
  margin-bottom:14px;
}
.disc-icon{
  width:54px;height:54px;border-radius:12px;
  background:rgba(232,96,10,0.15);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:14px;
}

/* Testimonial quote mark accent */
.testi-quote-mark{
  font-family:Georgia, serif;
  font-size:80px;
  line-height:1;
  color:var(--orange);
  opacity:0.18;
  height:40px;
  margin-bottom:0;
  font-weight:900;
}

/* Hero photo ring + glow */
.hero-headshot{
  box-shadow:0 8px 24px rgba(0,0,0,0.25), 0 0 0 4px rgba(232,96,10,0.15);
  border:2px solid var(--orange);
}

/* Subtle pattern in select section backgrounds */
.products-section, .about-section{
  background-image:
    radial-gradient(circle at 1px 1px, rgba(26,58,107,0.06) 1px, transparent 0);
  background-size:24px 24px;
  background-color:#f0f2f7;
}
.testimonials-section{
  background:
    linear-gradient(180deg, #ffffff 0%, #fafbfd 100%);
}
.faq-section{
  background-image:
    radial-gradient(circle at 1px 1px, rgba(26,58,107,0.05) 1px, transparent 0);
  background-size:28px 28px;
  background-color:#f0f2f7;
}

/* Discounts section subtle pattern */
.discounts-section{
  background-image:
    linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%),
    radial-gradient(circle at 30% 20%, rgba(232,96,10,0.12) 0%, transparent 50%);
  background-blend-mode:normal;
  position:relative;
}
.discounts-section::before{
  content:'';
  position:absolute;inset:0;
  background:
    radial-gradient(circle at 20% 30%, rgba(232,96,10,0.18) 0%, transparent 35%),
    radial-gradient(circle at 80% 70%, rgba(255,255,255,0.06) 0%, transparent 40%);
  pointer-events:none;
}
.disc-inner{position:relative;z-index:1;}

/* About photo treatment - add subtle accent block behind */
.about-photo{
  position:relative;
}
.about-photo::before{
  content:'';
  position:absolute;
  width:80px;height:80px;
  background:var(--orange);
  border-radius:50%;
  top:-16px;left:-16px;
  z-index:-1;
  opacity:0.85;
}
.about-photo::after{
  content:'';
  position:absolute;
  width:120px;height:120px;
  border:3px solid var(--navy);
  border-radius:16px;
  bottom:-16px;right:-16px;
  z-index:-1;
}
.about-inner{
  position:relative;
}

/* Hero - photo background with navy tint overlay */
.hero{
  background:linear-gradient(135deg, #0a1d3f 0%, #1a3a6b 40%, #1f4582 100%);
  position:relative;
  overflow:hidden;
}
.hero-bg{
  position:absolute !important;
  inset:0 !important;
  background-size:cover !important;
  background-position:center !important;
  background-repeat:no-repeat !important;
  opacity:0.35 !important;
  filter:saturate(0.7) contrast(1.05);
  z-index:0 !important;
}
.hero::after{
  content:'';
  position:absolute;
  inset:0;
  background:
    radial-gradient(circle at 20% 30%, rgba(10,29,63,0.55) 0%, transparent 60%),
    radial-gradient(circle at 80% 80%, rgba(31,69,130,0.4) 0%, transparent 60%),
    linear-gradient(135deg, rgba(10,29,63,0.45) 0%, rgba(26,58,107,0.55) 100%);
  pointer-events:none;
  z-index:1;
}
.hero-inner{position:relative;z-index:2;}

/* Section dividers - subtle gradient lines */
.products-section + .why-section{
  border-top:1px solid rgba(26,58,107,0.08);
}

.review-cta{
  max-width:880px;margin:60px auto 0;
  background:linear-gradient(135deg, #fff 0%, #fafbfd 100%);
  border:1.5px solid var(--border);
  border-radius:16px;
  padding:32px 36px;
  display:flex;align-items:center;gap:24px;
  box-shadow:0 8px 24px rgba(26,58,107,0.06);
  flex-wrap:wrap;
}
.review-cta-icon{
  width:60px;height:60px;border-radius:14px;
  background:rgba(232,96,10,0.12);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.review-cta-content{flex:1;min-width:240px;}
.review-cta-content h3{
  font-size:18px;font-weight:800;color:var(--text);
  margin-bottom:4px;letter-spacing:-0.01em;
}
.review-cta-content p{
  font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:0;
}
.review-cta-btn{
  display:inline-flex;align-items:center;
  flex-shrink:0;white-space:nowrap;
}
@media(max-width:700px){
  .review-cta{flex-direction:column;text-align:center;padding:28px 24px;}
  .review-cta-content{min-width:0;}
  .review-cta-btn{width:100%;justify-content:center;}
}

/* Nav dropdown */
.nav-dropdown{position:relative;}
.nav-dropdown > a{cursor:pointer;}
.nav-dropdown-menu{
  position:absolute;top:100%;left:0;
  background:rgba(18,42,82,0.98);backdrop-filter:blur(8px);
  border:1px solid rgba(255,255,255,0.1);
  border-radius:10px;
  padding:6px;
  min-width:200px;
  margin-top:0;
  padding-top:14px;
  border-top-left-radius:0;
  display:none;
  box-shadow:0 12px 32px rgba(0,0,0,0.25);
}
.nav-dropdown::before{
  content:'';
  position:absolute;
  top:100%;
  left:0;
  width:100%;
  height:14px;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu{display:block;}
.nav-dropdown-menu a{
  display:block;
  padding:10px 14px;
  color:rgba(255,255,255,0.85);
  text-decoration:none;
  font-size:14px;
  font-weight:500;
  border-radius:6px;
}
.nav-dropdown-menu a:hover{background:rgba(255,255,255,0.1);color:#fff;}

/* Coverage detail page hero */
.cov-detail-hero{
  background:linear-gradient(135deg, #0f2550 0%, #1a3a6b 50%, #2255a0 100%);
  padding:120px 2.5rem 60px;
  color:#fff;
  position:relative;overflow:hidden;
}
.cov-detail-hero::before{
  content:'';
  display:none;
}
.cov-detail-inner{
  max-width:1100px;margin:0 auto;
  position:relative;z-index:1;
  display:grid;grid-template-columns:1fr 280px;gap:48px;align-items:center;
}
.cov-detail-eyebrow{
  display:inline-block;font-size:12px;font-weight:700;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--orange);margin-bottom:14px;
}
.cov-detail-hero h1{
  font-size:clamp(34px,4.5vw,52px);font-weight:900;letter-spacing:-0.03em;
  line-height:1.1;margin-bottom:18px;
}
.cov-detail-hero p{
  font-size:17px;color:rgba(255,255,255,0.78);line-height:1.7;margin-bottom:28px;
  max-width:520px;
}
.cov-detail-icon-large{
  width:200px;height:200px;border-radius:24px;
  background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);
  display:flex;align-items:center;justify-content:center;
  margin-left:auto;
}
.cov-detail-icon-large svg{width:90px;height:90px;color:var(--orange);}

.cov-detail-body{padding:80px 2.5rem;background:#f0f2f7;
  background-image:radial-gradient(circle at 1px 1px, rgba(26,58,107,0.06) 1px, transparent 0);
  background-size:24px 24px;}
.cov-detail-grid{
  max-width:1100px;margin:0 auto;
  display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:start;
}
.cov-detail-card{
  background:#fff;border-radius:16px;padding:36px 32px;
  border:1.5px solid var(--border);
}
.cov-detail-card h2{
  font-size:22px;font-weight:800;color:var(--text);
  margin-bottom:18px;letter-spacing:-0.01em;
}
.cov-detail-card .cov-list{margin-bottom:0;}
.cov-detail-side{
  position:sticky;top:80px;
  display:flex;flex-direction:column;gap:18px;
}
.cov-detail-discount-box{
  background:linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius:16px;padding:28px;color:#fff;
}
.cov-detail-discount-box strong{
  font-size:13px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--orange);display:block;margin-bottom:8px;
}
.cov-detail-discount-box p{
  font-size:14px;line-height:1.7;color:rgba(255,255,255,0.8);margin:0;
}
.cov-detail-quote-box{
  background:#fff;border-radius:16px;padding:28px;
  border:1.5px solid var(--border);
}
.cov-detail-quote-box h3{
  font-size:17px;font-weight:800;color:var(--text);margin-bottom:8px;
}
.cov-detail-quote-box p{
  font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:18px;
}
.cov-related{
  background:#fff;padding:60px 2.5rem;
}
.cov-related-inner{max-width:1100px;margin:0 auto;}
.cov-related h2{
  font-size:26px;font-weight:800;color:var(--text);
  margin-bottom:24px;letter-spacing:-0.01em;text-align:center;
}
.cov-related-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;
}
.cov-related-card{
  background:#f8fafc;border:1.5px solid var(--border);
  border-radius:10px;padding:18px;text-align:center;
  cursor:pointer;transition:all 0.18s;text-decoration:none;color:inherit;
  display:flex;flex-direction:column;align-items:center;gap:8px;
}
.cov-related-card:hover{border-color:var(--navy);transform:translateY(-2px);}
.cov-related-card svg{width:24px;height:24px;color:var(--navy);}
.cov-related-card span{font-size:14px;font-weight:600;color:var(--text);}

@media(max-width:900px){
  .cov-detail-inner{grid-template-columns:1fr;gap:24px;}
  .cov-detail-icon-large{width:140px;height:140px;margin:0 0 8px 0;}
  .cov-detail-icon-large svg{width:60px;height:60px;}
  .cov-detail-grid{grid-template-columns:1fr;gap:24px;}
  .cov-detail-side{position:static;}
}

.nav-dropdown.open .nav-dropdown-menu{display:block;}
@media(max-width:900px){.nav-dropdown-menu{position:static;margin-top:0;}}

/* ========================================================
   NAV - clean override for headshot version (final source of truth)
   ======================================================== */
nav {
  position:fixed !important;
  top:0;left:0;right:0;z-index:200;
  background:rgba(18,42,82,0.97);backdrop-filter:blur(8px);
  display:flex;align-items:center;justify-content:space-between;
  padding:0 2rem;
  height:64px !important;
}
nav .nav-left {
  display:flex !important;
  align-items:center !important;
  gap:12px !important;
  text-decoration:none !important;
  flex-shrink:0;
  max-width:50%;
}
nav .nav-headshot {
  width:40px !important;
  height:40px !important;
  min-width:40px !important;
  border-radius:50% !important;
  overflow:hidden !important;
  border:2px solid var(--orange) !important;
  flex-shrink:0 !important;
  box-shadow:0 2px 8px rgba(0,0,0,0.2), 0 0 0 2px rgba(232,96,10,0.18) !important;
  padding:0 !important;
  display:block !important;
}
nav .nav-headshot img {
  width:100% !important;
  height:100% !important;
  object-fit:cover !important;
  object-position:center 15% !important;
  display:block !important;
  border-radius:50% !important;
  border:none !important;
  margin:0 !important;
  padding:0 !important;
}
nav .nav-brand-text {
  display:flex !important;
  flex-direction:column !important;
  line-height:1.2 !important;
  min-width:0;
}
nav .nav-brand-name {
  color:#fff !important;
  font-size:14px !important;
  font-weight:700 !important;
  letter-spacing:-0.01em !important;
  white-space:nowrap;
}
nav .nav-brand-sub {
  color:rgba(255,255,255,0.55) !important;
  font-size:10.5px !important;
  font-weight:500 !important;
  letter-spacing:0.02em !important;
  margin-top:2px !important;
  white-space:nowrap;
  text-decoration:none !important;
}

@media (max-width: 900px) {
  nav .nav-brand-sub { display:none !important; }
}
@media (max-width: 600px) {
  nav { padding:0 1rem; }
  nav .nav-headshot { width:34px !important; height:34px !important; min-width:34px !important; }
  nav .nav-brand-name { font-size:13px !important; }
  nav .nav-phone { padding:6px 12px; font-size:13px; }
  nav .nav-phone svg { display:none; }
}
@media (max-width: 380px) {
  nav .nav-brand-text { display:none !important; }
}


/* Coverage detail hero - photo background with navy tint */
.cov-detail-hero{
  position:relative;
  overflow:hidden;
}
.cov-detail-hero .cov-bg-photo{
  position:absolute !important;
  inset:0 !important;
  background-size:cover !important;
  background-position:center !important;
  background-repeat:no-repeat !important;
  opacity:0.35 !important;
  filter:saturate(0.7) contrast(1.05);
  z-index:0 !important;
}
.cov-detail-hero::after{
  content:'';
  position:absolute;
  inset:0;
  background:
    radial-gradient(circle at 20% 30%, rgba(10,29,63,0.55) 0%, transparent 60%),
    radial-gradient(circle at 80% 80%, rgba(31,69,130,0.4) 0%, transparent 60%),
    linear-gradient(135deg, rgba(10,29,63,0.45) 0%, rgba(26,58,107,0.55) 100%);
  pointer-events:none;
  z-index:1;
}
.cov-detail-hero .cov-detail-inner{position:relative;z-index:2;}