/* ==========================================================================
   PolicyGuide US - Design System & Modern Financial Aesthetics
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Space+Grotesk:wght@500;700&display=swap');

:root {
  /* Color Palette - Dark Theme (Default) */
  --color-bg: #0B0F19;
  --color-surface: #111827;
  --color-surface-hover: #1F2937;
  --color-surface-card: rgba(17, 24, 39, 0.85);
  --color-border: rgba(255, 255, 255, 0.08);
  --color-border-focus: rgba(16, 185, 129, 0.5);

  --color-primary: #10B981;
  --color-primary-hover: #059669;
  --color-primary-glow: rgba(16, 185, 129, 0.25);
  
  --color-accent: #38BDF8;
  --color-accent-hover: #0284C7;
  
  --color-text-main: #F9FAFB;
  --color-text-muted: #9CA3AF;
  --color-text-dim: #6B7280;

  --color-success: #10B981;
  --color-warning: #F59E0B;
  --color-danger: #EF4444;

  --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Space Grotesk', var(--font-main);

  --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.2);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 16px 40px rgba(0, 0, 0, 0.5);
  --shadow-glow: 0 0 25px var(--color-primary-glow);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-full: 9999px;

  --transition-fast: 0.15s ease;
  --transition-normal: 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

[data-theme="light"] {
  --color-bg: #F8FAFC;
  --color-surface: #FFFFFF;
  --color-surface-hover: #F1F5F9;
  --color-surface-card: rgba(255, 255, 255, 0.95);
  --color-border: rgba(15, 23, 42, 0.1);
  --color-border-focus: rgba(16, 185, 129, 0.5);

  --color-primary: #059669;
  --color-primary-hover: #047857;
  --color-primary-glow: rgba(5, 150, 105, 0.18);
  
  --color-accent: #0284C7;
  --color-accent-hover: #0369A1;

  --color-text-main: #0F172A;
  --color-text-muted: #475569;
  --color-text-dim: #94A3B8;

  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08);
  --shadow-md: 0 6px 18px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 14px 30px rgba(0, 0, 0, 0.1);
  --shadow-glow: 0 0 20px rgba(5, 150, 105, 0.12);
}

/* Base Resets */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--font-main);
  background-color: var(--color-bg);
  color: var(--color-text-main);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  min-height: 100vh;
}

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--transition-fast);
}
a:hover {
  color: var(--color-primary-hover);
}

/* Typography */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
  color: var(--color-text-main);
}

h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }
h4 { font-size: 1.15rem; }

p {
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

/* Container */
.container {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ==========================================================================
   Pre-Header Top Trust & Compliance Bar
   ========================================================================== */
.top-trust-bar {
  background: #061325 !important;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.76rem;
  color: #94A3B8;
  padding: 0.42rem 0;
  line-height: 1.4;
  position: relative;
  z-index: 101;
}

.top-trust-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.trust-bar-left {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.trust-bar-left strong {
  color: #F8FAFC !important;
  font-weight: 700;
}

.trust-bar-divider {
  color: rgba(255, 255, 255, 0.2);
  margin: 0 0.2rem;
}

.trust-bar-right {
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: #CBD5E1 !important;
  font-size: 0.72rem;
  font-weight: 600;
  background: rgba(255, 255, 255, 0.06);
  padding: 0.15rem 0.55rem;
  border-radius: 4px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  white-space: nowrap;
}

.trust-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #10B981;
  box-shadow: 0 0 6px #10B981;
}

/* ==========================================================================
   Header & Navigation - Corporate Professional Navy Blue
   ========================================================================== */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #0A2540 !important;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12) !important;
  box-shadow: 0 4px 20px rgba(10, 37, 64, 0.28);
  transition: background-color var(--transition-normal);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
  gap: 1.5rem;
}

/* Expanded Authoritative Logo Design */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.85rem;
  text-decoration: none !important;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
  user-select: none;
  flex-shrink: 0;
}

.logo:hover {
  transform: translateY(-1px);
  opacity: 0.98;
}

.logo-crest {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-crest-svg {
  width: 44px;
  height: 44px;
  display: block;
  filter: drop-shadow(0 0 12px rgba(0, 196, 140, 0.4));
}

.logo-text-group {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 0.2rem;
}

.logo-title-row {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.01em;
}

.logo-brand-policy {
  color: #FFFFFF !important;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.logo-brand-guide {
  background: linear-gradient(135deg, #38BDF8 0%, #34D399 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.logo-badge-us {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #1E3A8A, #0284C7);
  color: #FFFFFF !important;
  font-size: 0.65rem;
  font-weight: 900;
  padding: 0.12rem 0.4rem;
  border-radius: 4px;
  letter-spacing: 0.06em;
  border: 1px solid rgba(56, 189, 248, 0.7);
  box-shadow: 0 0 10px rgba(2, 132, 199, 0.35);
  margin-left: 0.15rem;
}

.logo-trust-tag {
  display: inline-flex;
  align-items: center;
  background: rgba(6, 78, 59, 0.85);
  color: #A7F3D0 !important;
  font-size: 0.62rem;
  font-weight: 800;
  padding: 0.15rem 0.5rem;
  border-radius: 4px;
  letter-spacing: 0.05em;
  border: 1px solid #10B981;
  white-space: nowrap;
  margin-left: 0.35rem;
}

.logo-tagline {
  font-family: var(--font-main);
  font-size: 0.61rem;
  font-weight: 700;
  color: #94A3B8 !important;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  white-space: nowrap;
  line-height: 1;
}

/* Fallback for legacy logo-icon if needed */
.logo-icon {
  display: none;
}
.logo span {
  display: inline;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.35rem;
  list-style: none;
}
.nav-link {
  font-weight: 600;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.88) !important;
  transition: color var(--transition-fast), text-shadow var(--transition-fast);
}
.nav-link:hover {
  color: #FFFFFF !important;
}
.nav-link.active {
  color: #38BDF8 !important;
  font-weight: 700;
  text-shadow: 0 0 14px rgba(56, 189, 248, 0.45);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.theme-toggle-btn {
  background: rgba(255, 255, 255, 0.12) !important;
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
  color: #FFFFFF !important;
  padding: 0.5rem 0.75rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 1.1rem;
  transition: background-color var(--transition-fast);
}
.theme-toggle-btn:hover {
  background: rgba(255, 255, 255, 0.22) !important;
}

.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  color: #FFFFFF !important;
  font-size: 1.6rem;
  cursor: pointer;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-main);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.7rem 1.4rem;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  white-space: nowrap;
}

.btn-block {
  display: flex;
  width: 100%;
}

.btn-primary {
  background: linear-gradient(135deg, var(--color-primary), #059669);
  color: #FFFFFF;
  box-shadow: var(--shadow-glow);
}
.btn-primary:hover {
  background: linear-gradient(135deg, #059669, #047857);
  box-shadow: 0 0 30px var(--color-primary-glow);
  transform: translateY(-1px);
}

.btn-secondary {
  background: var(--color-surface);
  color: var(--color-text-main);
  border: 1px solid var(--color-border);
}
.btn-secondary:hover {
  background: var(--color-surface-hover);
  border-color: var(--color-border-focus);
}

.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 1px solid var(--color-primary);
}
.btn-outline:hover {
  background: var(--color-primary-glow);
}

.btn-success {
  background: var(--color-success);
  color: #FFF;
}
.btn-sm {
  padding: 0.45rem 0.9rem;
  font-size: 0.85rem;
}
.btn-block {
  width: 100%;
}

/* Badges */
.badge {
  display: inline-flex;
  align-items: center;
  padding: 0.25rem 0.65rem;
  font-size: 0.75rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.badge-primary {
  background: var(--color-primary-glow);
  color: var(--color-primary);
  border: 1px solid rgba(16, 185, 129, 0.3);
}
.badge-success {
  background: rgba(16, 185, 129, 0.15);
  color: var(--color-success);
}
.badge-warning {
  background: rgba(245, 158, 11, 0.15);
  color: var(--color-warning);
}

/* Hero Section */
.hero {
  position: relative;
  padding: 1.75rem 0 1.25rem;
  background: radial-gradient(circle at 50% 0%, rgba(16, 185, 129, 0.12), transparent 70%);
  text-align: center;
}

.hero-tagline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-accent);
  margin-bottom: 1rem;
}

.hero h1 {
  max-width: 920px;
  margin: 0 auto 0.75rem;
  font-size: clamp(1.85rem, 3.5vw, 2.75rem);
}
.hero h1 span {
  background: linear-gradient(135deg, #10B981, #38BDF8);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero p {
  max-width: 720px;
  margin: 0 auto 1.5rem;
  font-size: 1.05rem;
}

/* Hero Zip Code Finder Box */
.zip-box-card {
  max-width: 640px;
  margin: 0 auto;
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(12px);
}

.zip-form-group {
  display: flex;
  gap: 0.75rem;
  margin-top: 1rem;
}

.zip-input {
  flex: 1;
  background: var(--color-surface);
  border: 2px solid var(--color-border);
  color: var(--color-text-main);
  font-family: var(--font-main);
  font-size: 1.15rem;
  font-weight: 600;
  padding: 0.85rem 1.25rem;
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color var(--transition-fast);
}
.zip-input:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 15px var(--color-primary-glow);
}

.zip-box-card small {
  display: block;
  margin-top: 0.75rem;
  color: var(--color-text-dim);
  font-size: 0.85rem;
}

/* Hero Trust Indicators (Financial Legitimacy Badges) */
.hero-trust-indicators {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: #CBD5E1;
}

.hero-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: rgba(15, 23, 42, 0.6);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);
  letter-spacing: 0.01em;
}

[data-theme="light"] .hero-trust-item {
  background: rgba(255, 255, 255, 0.95);
  color: #1E293B;
  border-color: rgba(15, 23, 42, 0.12);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

/* Address Intelligence & ZIP Autocomplete */
.address-autocomplete-wrapper {
  position: relative;
  width: 100%;
  flex: 1;
}

.zip-input.is-valid-zip,
.form-control.is-valid-zip {
  border-color: var(--color-success) !important;
  box-shadow: 0 0 10px rgba(16, 185, 129, 0.25) !important;
}

.zip-input.is-invalid-zip,
.form-control.is-invalid-zip {
  border-color: var(--color-danger) !important;
  box-shadow: 0 0 10px rgba(239, 68, 68, 0.25) !important;
}

.address-autocomplete-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  right: 0;
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg), 0 12px 28px rgba(0, 0, 0, 0.35);
  max-height: 290px;
  overflow-y: auto;
  z-index: 1500;
  padding: 0.35rem 0;
  backdrop-filter: blur(16px);
  text-align: left;
}

.address-autocomplete-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.65rem 1rem;
  cursor: pointer;
  transition: background var(--transition-fast);
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
}

.address-autocomplete-item:last-child {
  border-bottom: none;
}

.address-autocomplete-item:hover,
.address-autocomplete-item.active {
  background: rgba(37, 99, 235, 0.15);
}

.address-autocomplete-item .item-left {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  overflow: hidden;
}

.address-autocomplete-item .item-icon {
  font-size: 1.15rem;
  flex-shrink: 0;
}

.address-autocomplete-item .item-text {
  overflow: hidden;
}

.address-autocomplete-item .item-title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-text-main);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.zip-match-highlight {
  color: var(--color-primary);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.address-autocomplete-item .item-sub {
  font-size: 0.78rem;
  color: var(--color-text-muted);
}

.address-autocomplete-item .item-state-badge {
  background: rgba(37, 99, 235, 0.2);
  color: var(--color-primary);
  font-weight: 700;
  font-size: 0.75rem;
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-sm);
  letter-spacing: 0.05em;
  flex-shrink: 0;
}

/* Validation Feedback Badge */
.zip-validation-feedback {
  margin-top: 0.45rem;
  font-size: 0.82rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  text-align: left;
  line-height: 1.35;
}

.zip-validation-feedback.is-valid {
  color: var(--color-success);
}

.zip-validation-feedback.is-invalid {
  color: var(--color-danger);
  font-weight: 600;
}

.zip-validation-feedback.is-typing {
  color: var(--color-text-muted);
}

.badge-official {
  display: inline-block;
  background: rgba(16, 185, 129, 0.15);
  color: var(--color-success);
  border: 1px solid rgba(16, 185, 129, 0.3);
  font-size: 0.68rem;
  font-weight: 700;
  padding: 0.1rem 0.35rem;
  border-radius: 4px;
  margin-left: 0.35rem;
  vertical-align: middle;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}


/* State Snapshot Card (Dynamic result) */
.state-snapshot-card {
  margin-top: 2rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  text-align: left;
  box-shadow: var(--shadow-md);
}

.snapshot-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1.25rem;
}
.snapshot-header h3 {
  margin-top: 0.25rem;
}

.snapshot-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.stat-pill {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  padding: 0.9rem;
  border-radius: var(--radius-sm);
  display: flex;
  flex-direction: column;
}
.stat-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  color: var(--color-text-dim);
  font-weight: 700;
}
.stat-val {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-text-main);
  margin-top: 0.2rem;
}
.stat-val.highlight {
  color: var(--color-primary);
}

.snapshot-tip {
  background: rgba(56, 189, 248, 0.08);
  border-left: 4px solid var(--color-accent);
  padding: 1rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.9rem;
  color: var(--color-text-main);
  margin-bottom: 1.5rem;
}

.snapshot-carriers h4 {
  margin-bottom: 0.85rem;
}
.mini-carrier-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
}
.carrier-mini-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 1rem;
}
.mini-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}
.mini-rate {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.75rem;
}
.mini-actions {
  display: flex;
  gap: 0.5rem;
}

/* AdSense Ad Placement Containers (Hidden by default per user request) */
.ad-slot-leaderboard, .ad-slot-rectangle {
  display: none !important;
}

/* Full Page Article Reader Layout */
.article-page-header {
  padding: 2rem 0 1.5rem;
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface);
}
.breadcrumb-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--color-text-dim);
  margin-bottom: 1rem;
}
.breadcrumb-nav a {
  color: var(--color-text-muted);
}
.breadcrumb-nav a:hover {
  color: var(--color-primary);
}
.article-layout {
  display: grid;
  grid-template-columns: 2.2fr 1fr;
  gap: 3rem;
  padding: 2.5rem 0 4rem;
}
.article-main-body {
  font-size: 1.1rem;
  line-height: 1.85;
  color: var(--color-text-main);
}
.article-main-body h2 {
  font-size: 1.65rem;
  margin: 2.25rem 0 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--color-border);
  color: var(--color-text-main);
}
.article-main-body h3 {
  font-size: 1.3rem;
  margin: 1.75rem 0 0.75rem;
  color: var(--color-accent);
}
.article-main-body p {
  margin-bottom: 1.25rem;
  color: var(--color-text-muted);
}
.article-main-body ul, .article-main-body ol {
  margin: 1rem 0 1.5rem 1.75rem;
  color: var(--color-text-muted);
}
.article-main-body li {
  margin-bottom: 0.5rem;
}
.key-takeaways-card {
  background: rgba(16, 185, 129, 0.08);
  border: 1px solid rgba(16, 185, 129, 0.25);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin: 1.5rem 0 2.5rem;
}
.key-takeaways-card h4 {
  color: var(--color-primary);
  margin-bottom: 0.85rem;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.key-takeaways-card ul {
  list-style: none;
  margin: 0;
}
.key-takeaways-card li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.65rem;
  color: var(--color-text-main);
}
.key-takeaways-card li::before {
  content: '⚡';
  position: absolute;
  left: 0;
}
.article-author-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: 2rem;
  font-size: 0.85rem;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--color-primary), var(--color-accent));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  color: #FFF;
  font-size: 1.1rem;
}
.sidebar-sticky-box {
  position: sticky;
  top: 95px;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}
.sidebar-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}
@media (max-width: 900px) {
  .article-layout {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* Carrier Matrix Section */
.section {
  padding: 3rem 0;
}

.section-header {
  text-align: center;
  max-width: 750px;
  margin: 0 auto 3rem;
}
.section-header h2 {
  margin-bottom: 0.75rem;
}

.filter-bar {
  display: flex;
  justify-content: center;
  gap: 0.65rem;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}

.carrier-filter-btn {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  color: var(--color-text-muted);
  padding: 0.55rem 1.15rem;
  border-radius: var(--radius-full);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.carrier-filter-btn:hover {
  background: var(--color-surface-hover);
  color: var(--color-text-main);
}
.carrier-filter-btn.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #FFF;
  box-shadow: var(--shadow-glow);
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: 1.75rem;
}

.carrier-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform var(--transition-fast), border-color var(--transition-fast);
}
.carrier-card:hover {
  transform: translateY(-4px);
  border-color: var(--color-border-focus);
}

.carrier-card-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1.25rem;
  gap: 1rem;
}

.carrier-brand-header {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.carrier-logo-wrapper {
  width: 140px;
  height: 42px;
  display: flex;
  align-items: center;
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
  flex-shrink: 0;
  transition: transform var(--transition-fast);
}
.carrier-card:hover .carrier-logo-wrapper {
  transform: scale(1.03);
}

.carrier-rating-badge {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  text-align: right;
  flex-shrink: 0;
  max-width: 135px;
}
.carrier-rating-badge .stars {
  color: #F59E0B;
  font-size: 0.95rem;
  letter-spacing: 2px;
  line-height: 1.2;
}
.carrier-rating-badge .score {
  font-size: 1rem;
  font-weight: 800;
  color: var(--color-text-main);
  line-height: 1.3;
}
.carrier-rating-badge .am-best {
  display: inline-block;
  margin-top: 0.25rem;
  padding: 0.15rem 0.45rem;
  background: rgba(16, 185, 129, 0.12);
  color: var(--color-success);
  border: 1px solid rgba(16, 185, 129, 0.3);
  border-radius: 6px;
  font-size: 0.72rem;
  font-weight: 700;
  white-space: nowrap;
}
[data-theme="light"] .carrier-rating-badge .am-best {
  background: rgba(16, 185, 129, 0.15);
  color: #047857;
  border-color: rgba(16, 185, 129, 0.35);
}

.carrier-brand-svg {
  width: 100%;
  height: 100%;
  display: block;
}

.carrier-mini-logo {
  width: 110px;
  height: 32px;
  margin-bottom: 0.5rem;
  display: block;
}
.carrier-mini-logo .carrier-brand-svg {
  width: 100%;
  height: 100%;
}

/* Blog & Knowledge Hub Styles */
.blog-filter-bar {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
  justify-content: center;
}
.blog-filter-btn {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  color: var(--color-text-muted);
  padding: 0.45rem 1.1rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.blog-filter-btn:hover {
  background: var(--color-surface-hover);
  color: var(--color-text-main);
}
.blog-filter-btn.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #FFF;
  box-shadow: var(--shadow-glow);
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.75rem;
}
.blog-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
  cursor: pointer;
}
.blog-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
}
.blog-meta-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.85rem;
  font-size: 0.75rem;
}
.blog-title {
  font-size: 1.18rem;
  line-height: 1.4;
  margin-bottom: 0.75rem;
  color: var(--color-text-main);
}
.blog-snippet {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: 1.25rem;
}
.blog-card-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-top: 1px solid var(--color-border);
  padding-top: 0.85rem;
  font-size: 0.8rem;
  color: var(--color-text-dim);
}
.article-reader-modal {
  max-width: 820px;
  max-height: 90vh;
  overflow-y: auto;
}
.article-body-text {
  font-size: 1.05rem;
  line-height: 1.8;
  color: var(--color-text-main);
  white-space: pre-line;
  margin: 1.5rem 0;
}
.article-faq-box {
  background: var(--color-bg);
  border-left: 4px solid var(--color-accent);
  padding: 1.25rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-top: 1.5rem;
}

.carrier-rating-badge {
  text-align: right;
  flex-shrink: 0;
}
.stars {
  color: #FBBF24;
  letter-spacing: 2px;
  font-size: 0.95rem;
}
.score {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
}
.am-best {
  font-size: 0.7rem;
  color: var(--color-text-dim);
}

.carrier-key-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.5rem;
  background: var(--color-bg);
  border-radius: var(--radius-sm);
  padding: 0.85rem;
  margin-bottom: 1.25rem;
  text-align: center;
}
.stat-box .lbl {
  display: block;
  font-size: 0.7rem;
  color: var(--color-text-dim);
  text-transform: uppercase;
}
.stat-box .val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-text-main);
}

.carrier-telematics-highlight {
  background: rgba(16, 185, 129, 0.06);
  border: 1px solid rgba(16, 185, 129, 0.15);
  border-radius: var(--radius-sm);
  padding: 0.85rem;
  font-size: 0.85rem;
  margin-bottom: 1.25rem;
}
.telematics-risk {
  font-size: 0.78rem;
  margin-top: 0.35rem;
  font-weight: 600;
}
.risk-yes {
  color: #F87171;
}
.risk-no {
  color: #34D399;
}

.tag-cloud {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: 0.5rem;
}
.tag {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  font-size: 0.75rem;
  padding: 0.2rem 0.55rem;
  border-radius: var(--radius-full);
  color: var(--color-text-muted);
}

.carrier-card-footer {
  margin-top: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

/* Calculators Showcase */
.calc-card-container {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-lg);
  margin-bottom: 3rem;
}

.calc-tabs {
  display: flex;
  gap: 1rem;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 2rem;
  overflow-x: auto;
}
.calc-tab-btn {
  background: none;
  border: none;
  padding: 0.85rem 1.25rem;
  font-family: var(--font-main);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all var(--transition-fast);
  white-space: nowrap;
}
.calc-tab-btn.active {
  color: var(--color-primary);
  border-bottom-color: var(--color-primary);
}

.calc-form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-bottom: 1.75rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-main);
}
.form-control {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  color: var(--color-text-main);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-main);
  font-size: 0.95rem;
  outline: none;
}
.form-control:focus {
  border-color: var(--color-primary);
}

.checkbox-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 0.85rem;
  margin-bottom: 1.5rem;
}
.checkbox-item {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.9rem;
}
.checkbox-item input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--color-primary);
}

.calc-result-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin-top: 1.5rem;
}
.tier-title {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--color-primary);
  margin: 0.5rem 0 1rem;
}
.limits-breakdown {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.limit-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 0.85rem;
  border-radius: var(--radius-sm);
}
.limit-item.umbrella-alert {
  border-color: #F59E0B;
  background: rgba(245, 158, 11, 0.08);
}
.limit-label {
  display: block;
  font-size: 0.75rem;
  color: var(--color-text-dim);
}
.limit-val {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-text-main);
}
.reasons-list {
  list-style: none;
  margin-bottom: 1.5rem;
}
.reasons-list li {
  padding-left: 1.5rem;
  position: relative;
  margin-bottom: 0.5rem;
  color: var(--color-text-muted);
}
.reasons-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-primary);
  font-weight: bold;
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin: 1rem 0;
}
.stat-cell {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 1rem;
  border-radius: var(--radius-sm);
  text-align: center;
}
.stat-num {
  display: block;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-primary);
}
.stat-desc {
  font-size: 0.75rem;
  color: var(--color-text-dim);
  text-transform: uppercase;
}

.checklist-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.65rem;
}

/* Modal */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(0, 0, 0, 0.75);
  backdrop-filter: blur(8px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
}
.modal-overlay.hidden {
  display: none;
}
.modal-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  max-width: 520px;
  width: 100%;
  padding: 2.25rem;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  background: none;
  border: none;
  color: var(--color-text-dim);
  font-size: 1.5rem;
  cursor: pointer;
}

.progress-bar-container {
  width: 100%;
  height: 8px;
  background: var(--color-bg);
  border-radius: var(--radius-full);
  overflow: hidden;
  margin: 1.5rem 0;
}
.progress-bar-fill {
  height: 100%;
  width: 100%;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
  animation: progressPulse 1.5s ease-in-out infinite;
}
@keyframes progressPulse {
  0% { transform: translateX(-100%); }
  100% { transform: translateX(100%); }
}

.call-alternative-card {
  background: rgba(56, 189, 248, 0.08);
  border: 1px solid rgba(56, 189, 248, 0.2);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
  margin-top: 1rem;
}

/* Footer */
/* Footer - Corporate Professional Navy Blue */
.footer {
  background: #0A2540 !important;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 4.5rem 0 2.5rem;
  margin-top: 5rem;
  font-size: 0.9rem;
  color: #CBD5E1 !important;
}
.footer .logo {
  color: #FFFFFF !important;
}
.footer .logo span {
  color: #38BDF8 !important;
}
.footer p {
  color: #94A3B8 !important;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}
.footer-col h5 {
  color: #FFFFFF !important;
  margin-bottom: 1.25rem;
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.footer-links a {
  color: #CBD5E1 !important;
  transition: color var(--transition-fast), transform var(--transition-fast);
}
.footer-links a:hover {
  color: #38BDF8 !important;
  transform: translateX(2px);
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.75rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: #94A3B8 !important;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.disclaimer-box {
  background: rgba(15, 23, 42, 0.65);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.15rem;
  border-radius: var(--radius-sm);
  font-size: 0.76rem;
  color: #94A3B8 !important;
  line-height: 1.55;
  margin-top: 1.5rem;
}
.disclaimer-box strong {
  color: #E2E8F0 !important;
}

/* Utilities */
.hidden { display: none !important; }
.animate-fade-in {
  animation: fadeIn 0.3s ease forwards;
}
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Responsive */
@media (max-width: 1350px) {
  .logo-trust-tag {
    display: none;
  }
}

@media (max-width: 1100px) {
  .nav-links {
    gap: 1.1rem;
  }
  .nav-link {
    font-size: 0.9rem;
  }
}

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

@media (max-width: 820px) {
  .trust-bar-right {
    display: none;
  }
  .trust-bar-left {
    justify-content: center;
    width: 100%;
    font-size: 0.72rem;
  }
  .hero-trust-indicators {
    gap: 0.5rem;
  }
}

@media (max-width: 768px) {
  .top-trust-bar {
    padding: 0.35rem 0;
  }
  .header-inner {
    height: 66px;
    gap: 0.75rem;
  }
  .header-actions .btn.open-quote-modal {
    display: none;
  }
  .header-actions {
    gap: 0.65rem;
  }
  .logo {
    gap: 0.55rem;
  }
  .logo-crest-svg {
    width: 36px;
    height: 36px;
  }
  .logo-title-row {
    font-size: 1.15rem;
  }
  .logo-tagline {
    font-size: 0.52rem;
    letter-spacing: 0.06em;
  }
  .nav-links {
    display: none;
    position: absolute;
    top: 66px;
    left: 0;
    width: 100%;
    background: #0A2540;
    flex-direction: column;
    padding: 1.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  }
  .nav-links.nav-open {
    display: flex;
  }
  .mobile-menu-btn {
    display: block;
  }
  .zip-form-group {
    flex-direction: column;
  }
  .stat-row {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .header-inner {
    padding: 0;
  }
  .logo {
    gap: 0.45rem;
  }
  .logo-crest-svg {
    width: 32px;
    height: 32px;
  }
  .logo-title-row {
    font-size: 1.05rem;
  }
  .logo-tagline {
    font-size: 0.48rem;
    letter-spacing: 0.05em;
  }
  .logo-badge-us {
    font-size: 0.6rem;
    padding: 0.1rem 0.3rem;
  }
  .hero-trust-item {
    font-size: 0.75rem;
    padding: 0.25rem 0.6rem;
  }
}

/* ==========================================================================
   Print Stylesheet for Official State Compliance Audit Reports
   ========================================================================== */
.print-audit-header {
  display: none;
}

@media print {
  body {
    background: #FFFFFF !important;
    color: #0F172A !important;
    font-size: 11pt;
  }
  .top-trust-bar, .header, .footer, .btn, .header-actions, .ad-slot-leaderboard, .nav-links, #theme-toggle {
    display: none !important;
  }
  .container {
    max-width: 100% !important;
    padding: 0 !important;
    margin: 0 !important;
  }
  .calc-hub-section {
    border: 1px solid #CBD5E1 !important;
    background: #FFFFFF !important;
    color: #0F172A !important;
    padding: 1.5rem !important;
    box-shadow: none !important;
    page-break-inside: avoid;
  }
  .checklist-item {
    background: #F8FAFC !important;
    border: 1px solid #E2E8F0 !important;
    color: #0F172A !important;
    padding: 0.75rem !important;
  }
  .checklist-item strong {
    color: #0F172A !important;
  }
  .print-audit-header {
    display: block !important;
    margin-bottom: 1.5rem;
    border-bottom: 2px solid #0F172A;
    padding-bottom: 1rem;
  }
  .print-audit-header h2 {
    color: #0F172A !important;
    margin: 0;
  }
}