/* ============================================
   PILCHER INSURANCE — MAIN STYLESHEET
   ============================================ */

/* --- TOKENS --- */
:root {
	--navy:        #1a3a5c;
	--navy-dark:   #0f2540;
	--navy-light:  #2a5080;
	--navy-pale:   #eef3f8;
	--text:        #111827;
	--text-muted:  #6b7280;
	--bg:          #ffffff;
	--bg-alt:      #f8f9fb;
	--border:      #e5e7eb;
	--white:       #ffffff;
	--radius:      8px;
	--radius-lg:   14px;
	--shadow-sm:   0 1px 4px rgba(0,0,0,0.06), 0 2px 8px rgba(0,0,0,0.04);
	--shadow-md:   0 4px 16px rgba(0,0,0,0.08), 0 1px 4px rgba(0,0,0,0.04);
	--shadow-lg:   0 12px 40px rgba(0,0,0,0.1), 0 4px 12px rgba(0,0,0,0.06);
	--transition:  0.2s ease;
	--max-width:   1160px;
}

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

html {
	scroll-behavior: smooth;
	overflow-x: hidden; /* prevent horizontal scroll from off-screen nav drawer */
}
body { overflow-x: hidden; }

body {
	font-family: 'Open Sans', sans-serif;
	font-size: 16px;
	line-height: 1.7;
	color: var(--text);
	background: var(--bg);
	-webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
	font-family: 'Montserrat', sans-serif;
	font-weight: 700;
	line-height: 1.25;
	color: var(--navy);
}

h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); }
h3 { font-size: 1.2rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy-light); }

img { max-width: 100%; height: auto; display: block; }

ul { list-style: none; }

/* --- UTILITIES --- */
.container {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 0 24px;
}

.section { padding: 88px 0; }
.section-alt { background: var(--bg-alt); }

.section-header {
	text-align: center;
	max-width: 640px;
	margin: 0 auto 56px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p { color: var(--text-muted); font-size: 1.05rem; }

.lead {
	font-size: 1.1rem;
	color: var(--text-muted);
	line-height: 1.8;
}

/* --- BUTTONS --- */
.btn {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	padding: 12px 24px;
	border-radius: var(--radius);
	font-family: 'Montserrat', sans-serif;
	font-weight: 600;
	font-size: 0.95rem;
	cursor: pointer;
	border: 2px solid transparent;
	transition: all var(--transition);
	text-decoration: none;
	white-space: nowrap;
}

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

.btn-outline {
	background: transparent;
	color: var(--navy);
	border-color: var(--navy);
}
.btn-outline:hover {
	background: var(--navy);
	color: var(--white);
}

.btn-outline-white {
	background: transparent;
	color: var(--white);
	border-color: rgba(255,255,255,0.6);
}
.btn-outline-white:hover {
	background: rgba(255,255,255,0.15);
	color: var(--white);
}

.btn-lg { padding: 15px 32px; font-size: 1rem; }
.btn-block { width: 100%; justify-content: center; }

/* --- HEADER --- */
.site-header {
	position: sticky;
	top: 0;
	z-index: 100;
	background: var(--white);
	border-bottom: 1px solid var(--border);
	box-shadow: 0 1px 0 rgba(0,0,0,0.04);
}

.header-inner {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 0 24px;
	height: 68px;
	display: flex;
	align-items: center;
	gap: 32px;
}

.site-logo {
	flex-shrink: 0;
	text-decoration: none;
}
.site-logo img,
.site-logo .logo-img { height: 40px; width: auto; display: block; }
.logo-text {
	font-family: 'Montserrat', sans-serif;
	font-weight: 800;
	font-size: 1.2rem;
	color: var(--navy);
	letter-spacing: -0.02em;
}

.primary-nav { flex: 1; }
.nav-menu {
	display: flex;
	align-items: center;
	gap: 2px;
	list-style: none;
}
.nav-menu a {
	display: block;
	padding: 8px 14px;
	color: var(--text-muted);
	font-family: 'Montserrat', sans-serif;
	font-size: 0.875rem;
	font-weight: 600;
	border-radius: var(--radius);
	transition: all var(--transition);
}
.nav-menu a:hover,
.nav-menu .current-menu-item > a {
	color: var(--navy);
	background: var(--navy-pale);
}

.header-cta {
	display: flex;
	align-items: center;
	gap: 16px;
	flex-shrink: 0;
}
.header-phone {
	display: flex;
	align-items: center;
	gap: 6px;
	color: var(--navy);
	font-family: 'Montserrat', sans-serif;
	font-weight: 600;
	font-size: 0.9rem;
	text-decoration: none;
	transition: color var(--transition);
}
.header-phone:hover { color: var(--navy-light); }

.nav-toggle {
	display: none;
	flex-direction: column;
	gap: 5px;
	background: none;
	border: none;
	cursor: pointer;
	padding: 4px;
	margin-left: auto;
}
.nav-toggle span {
	display: block;
	width: 24px;
	height: 2px;
	background: var(--navy);
	border-radius: 2px;
	transition: all var(--transition);
}

/* --- NAV DROPDOWNS --- */
.nav-menu li { position: relative; }

.has-dropdown > a {
	display: flex;
	align-items: center;
	gap: 4px;
}

.dropdown-chevron {
	transition: transform var(--transition);
	flex-shrink: 0;
}

.has-dropdown:hover .dropdown-chevron,
.has-dropdown.open .dropdown-chevron {
	transform: rotate(180deg);
}

.dropdown {
	display: none;
	position: absolute;
	top: 100%;
	left: 0;
	min-width: 180px;
	background: var(--white);
	border: 1px solid var(--border);
	border-radius: var(--radius-lg);
	box-shadow: var(--shadow-lg);
	padding: 8px;
	padding-top: 16px;
	margin-top: 0;
	z-index: 200;
}

/* Invisible bridge fills the gap between nav item and dropdown card */
.dropdown::before {
	content: '';
	position: absolute;
	top: -8px;
	left: 0;
	right: 0;
	height: 8px;
}

.dropdown a {
	display: flex;
	align-items: center;
	gap: 10px;
	padding: 9px 12px;
	color: var(--text);
	font-family: 'Montserrat', sans-serif;
	font-size: 0.875rem;
	font-weight: 600;
	border-radius: var(--radius);
	white-space: nowrap;
}
.dropdown a:hover {
	background: var(--navy-pale);
	color: var(--navy);
}
.dropdown a svg { color: var(--navy); flex-shrink: 0; }

/* Wide mega-dropdown */
.dropdown-wide {
	min-width: 380px;
}
.dropdown-cols {
	display: flex;
	gap: 4px;
}
.dropdown-col {
	flex: 1;
}
.dropdown-col-label {
	font-family: 'Montserrat', sans-serif;
	font-size: 0.7rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.08em;
	color: var(--text-muted);
	padding: 8px 12px 4px;
}

/* Show on hover (desktop) */
@media (min-width: 769px) {
	.has-dropdown:hover > .dropdown {
		display: block;
	}
}

/* Mobile accordion */
@media (max-width: 768px) {
	.dropdown {
		position: static;
		box-shadow: none;
		border: none;
		border-radius: 0;
		background: var(--bg-alt);
		border-radius: var(--radius);
		margin: 4px 8px 4px 16px;
		padding: 4px;
	}
	.dropdown-wide { min-width: unset; }
	.dropdown-cols { flex-direction: column; gap: 0; }
	.has-dropdown.open > .dropdown { display: block; }
	.dropdown a { font-size: 0.875rem; padding: 9px 12px; }
}

/* --- HERO --- */
.hero {
	background: var(--navy-pale);
	color: var(--text);
	min-height: 540px;
	display: flex;
	align-items: center;
}

.hero-inner {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 80px 24px;
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 64px;
	align-items: center;
}

.hero-badge {
	display: inline-block;
	background: rgba(26,58,92,0.08);
	color: var(--navy);
	border: 1px solid rgba(26,58,92,0.18);
	padding: 6px 16px;
	border-radius: 100px;
	font-family: 'Montserrat', sans-serif;
	font-size: 0.8rem;
	font-weight: 600;
	letter-spacing: 0.05em;
	text-transform: uppercase;
	margin-bottom: 20px;
}

.hero-content h1 {
	color: var(--navy);
	margin-bottom: 20px;
	font-size: clamp(2.2rem, 5vw, 3.2rem);
}

.hero-sub {
	color: var(--text-muted);
	font-size: 1.1rem;
	margin-bottom: 36px;
	max-width: 520px;
}
.hero-sub em { color: var(--navy); font-style: normal; font-weight: 600; }

.hero-actions {
	display: flex;
	flex-wrap: wrap;
	gap: 16px;
}

.hero-image-placeholder {
	border-radius: var(--radius-lg);
	aspect-ratio: 4/3;
	overflow: hidden;
	position: relative;
	box-shadow: var(--shadow-lg);
}
.hero-image-placeholder img {
	width: 100%;
	height: 100%;
	object-fit: cover;
	border-radius: var(--radius-lg);
}

/* --- TRUST BAR / PILLARS --- */
.trust-bar {
	background: var(--white);
	border-bottom: 1px solid var(--border);
	padding: 72px 0;
}

.trust-pillars {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 48px;
}

.pillar {
	text-align: center;
}

.pillar-icon {
	width: 56px;
	height: 56px;
	background: var(--navy-pale);
	border-radius: 50%;
	display: flex;
	align-items: center;
	justify-content: center;
	margin: 0 auto 20px;
	color: var(--navy);
}

.pillar h3 {
	margin-bottom: 10px;
	font-size: 1.1rem;
}

.pillar p {
	color: var(--text-muted);
	font-size: 0.95rem;
}

/* --- SERVICES --- */
.services-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 20px;
}

.service-card {
	display: block;
	padding: 32px 28px;
	background: var(--white);
	border: 1px solid var(--border);
	border-radius: var(--radius-lg);
	text-decoration: none;
	transition: all var(--transition);
}
.service-card:hover {
	border-color: var(--navy);
	box-shadow: var(--shadow-md);
}

.service-icon {
	width: 52px;
	height: 52px;
	background: var(--navy-pale);
	border-radius: var(--radius);
	display: flex;
	align-items: center;
	justify-content: center;
	margin-bottom: 20px;
	color: var(--navy);
	transition: all var(--transition);
}
.service-card:hover .service-icon {
	background: var(--navy);
	color: var(--white);
}

.service-card h3 {
	margin-bottom: 8px;
	color: var(--navy);
}

.service-card p {
	color: var(--text-muted);
	font-size: 0.9rem;
	margin-bottom: 16px;
}

.card-link {
	font-family: 'Montserrat', sans-serif;
	font-size: 0.875rem;
	font-weight: 600;
	color: var(--navy);
}

/* --- WHY INDEPENDENT --- */
.why-inner {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 80px;
	align-items: center;
}

.why-content h2 { margin-bottom: 20px; }
.why-content .lead { margin-bottom: 28px; }
.why-content .lead em { color: var(--navy); font-style: normal; font-weight: 600; }

.why-list {
	list-style: none;
	margin-bottom: 36px;
}
.why-list li {
	display: flex;
	align-items: flex-start;
	gap: 12px;
	padding: 10px 0;
	border-bottom: 1px solid var(--border);
	color: var(--text);
	font-size: 0.95rem;
}
.why-list li:last-child { border-bottom: none; }
.why-list svg { color: var(--navy); flex-shrink: 0; margin-top: 3px; }

.why-stat-block {
	display: flex;
	flex-direction: column;
	gap: 16px;
}

.stat-card {
	background: var(--white);
	border: 1px solid var(--border);
	border-radius: var(--radius-lg);
	padding: 28px 32px;
	text-align: center;
	box-shadow: var(--shadow-sm);
}
.stat-card.accent {
	background: var(--navy);
	border-color: var(--navy);
}

.stat-number {
	font-family: 'Montserrat', sans-serif;
	font-size: 2.4rem;
	font-weight: 800;
	color: var(--navy);
	line-height: 1;
	margin-bottom: 6px;
}
.stat-card.accent .stat-number { color: var(--white); }

.stat-label {
	font-family: 'Montserrat', sans-serif;
	font-size: 0.8rem;
	font-weight: 600;
	color: var(--text-muted);
	text-transform: uppercase;
	letter-spacing: 0.05em;
}
.stat-card.accent .stat-label { color: rgba(255,255,255,0.7); }

/* --- CARRIERS --- */
.carrier-logos {
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 12px;
	margin-bottom: 24px;
}

.carrier-logo {
	background: var(--white);
	border: 1px solid var(--border);
	border-radius: var(--radius);
	padding: 10px 18px;
	display: flex;
	align-items: center;
	justify-content: center;
	transition: all var(--transition);
	min-width: 110px;
}
.carrier-logo:hover {
	border-color: var(--navy);
	box-shadow: var(--shadow-sm);
}
.carrier-logo img {
	height: 44px;
	width: auto;
	max-width: 110px;
	object-fit: contain;
	filter: grayscale(20%);
	transition: filter var(--transition);
}
.carrier-logo:hover img { filter: grayscale(0%); }

.carrier-logo-text {
	min-width: 110px;
}
.carrier-logo-text span {
	font-family: 'Montserrat', sans-serif;
	font-weight: 700;
	font-size: 1rem;
	color: var(--navy);
}

.carriers-note {
	text-align: center;
	color: var(--text-muted);
	font-size: 0.9rem;
	margin-top: 8px;
}

.carriers-all-link {
	font-family: 'Montserrat', sans-serif;
	font-weight: 600;
	font-size: 0.9rem;
	color: var(--navy);
	text-decoration: none;
	border-bottom: 1px solid rgba(26,58,92,0.25);
	padding-bottom: 1px;
	transition: border-color 0.2s;
}
.carriers-all-link:hover { border-color: var(--navy); }

/* --- COMMUNITY --- */
.community-inner { max-width: 720px; margin: 0 auto; }
.community-content h2 { margin-bottom: 20px; }
.community-content .lead { margin-bottom: 40px; }

.community-orgs {
	display: flex;
	flex-direction: column;
	gap: 16px;
}

.community-org {
	display: flex;
	align-items: flex-start;
	gap: 20px;
	padding: 24px;
	background: var(--white);
	border-radius: var(--radius-lg);
	border: 1px solid var(--border);
}

.org-icon {
	width: 44px;
	height: 44px;
	background: var(--navy-pale);
	border-radius: var(--radius);
	display: flex;
	align-items: center;
	justify-content: center;
	color: var(--navy);
	flex-shrink: 0;
}

.community-org strong {
	display: block;
	font-family: 'Montserrat', sans-serif;
	font-weight: 700;
	margin-bottom: 4px;
	color: var(--navy);
}

.community-org p {
	color: var(--text-muted);
	font-size: 0.9rem;
	margin: 0;
}

/* --- TEAM --- */
.team-grid {
	display: grid;
	grid-template-columns: repeat(2, 1fr);
	gap: 32px;
	max-width: 800px;
	margin: 0 auto;
}

.team-card {
	text-align: center;
	padding: 40px 32px;
	background: var(--white);
	border: 1px solid var(--border);
	border-radius: var(--radius-lg);
	box-shadow: var(--shadow-sm);
}

.team-photo {
	width: 120px;
	height: 120px;
	border-radius: 50%;
	margin: 0 auto 20px;
	border: 3px solid var(--border);
	overflow: hidden;
}

.placeholder-photo {
	background: var(--bg-alt);
	display: flex;
	align-items: center;
	justify-content: center;
	color: var(--text-muted);
	font-size: 2rem;
}
.placeholder-photo::after { content: "👤"; }
.team-photo img {
	width: 100%;
	height: 100%;
	object-fit: cover;
	border-radius: 50%;
}

.team-card h3 { margin-bottom: 4px; }

.team-title {
	color: var(--navy);
	font-family: 'Montserrat', sans-serif;
	font-weight: 600;
	font-size: 0.875rem;
	margin-bottom: 16px;
	opacity: 0.75;
}

.team-card p {
	color: var(--text-muted);
	font-size: 0.9rem;
}

/* --- SERVICE AREAS --- */
.areas-grid {
	display: flex;
	flex-wrap: wrap;
	gap: 10px;
	justify-content: center;
}

.area-pill {
	display: inline-block;
	padding: 10px 22px;
	background: var(--white);
	border: 1.5px solid var(--border);
	border-radius: 100px;
	font-family: 'Montserrat', sans-serif;
	font-weight: 600;
	font-size: 0.875rem;
	color: var(--navy);
	text-decoration: none;
	transition: all var(--transition);
}
.area-pill:hover {
	background: var(--navy);
	border-color: var(--navy);
	color: var(--white);
}

/* --- QUOTE FORM --- */
.quote-section {
	background: var(--navy);
	color: var(--white);
}

.quote-inner {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 80px;
	align-items: start;
}

.quote-content h2 { color: var(--white); margin-bottom: 16px; }
.quote-content p { color: rgba(255,255,255,0.75); }

.quote-promises {
	margin-top: 28px;
	list-style: none;
	display: flex;
	flex-direction: column;
	gap: 10px;
}
.quote-promises li {
	color: rgba(255,255,255,0.85);
	font-size: 0.95rem;
}

.quote-form-wrap {
	background: var(--white);
	border-radius: var(--radius-lg);
	padding: 40px;
	box-shadow: var(--shadow-lg);
}

.step-label {
	font-family: 'Montserrat', sans-serif;
	font-size: 0.8rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.06em;
	color: var(--text-muted);
	margin-bottom: 20px;
}

.coverage-options {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 10px;
	margin-bottom: 24px;
}

.coverage-option {
	display: flex;
	align-items: center;
	gap: 10px;
	padding: 12px 16px;
	border: 1.5px solid var(--border);
	border-radius: var(--radius);
	cursor: pointer;
	font-weight: 600;
	font-family: 'Montserrat', sans-serif;
	font-size: 0.9rem;
	transition: all var(--transition);
	color: var(--text);
	background: var(--bg);
}
.coverage-option:hover { border-color: var(--navy); }
.coverage-option input {
	accent-color: var(--navy);
	flex-shrink: 0;
	width: 16px;
	height: 16px;
}
.coverage-option:has(input:checked) {
	border-color: var(--navy);
	background: var(--navy-pale);
}

.form-step { display: none; }
.form-step.active { display: block; }

.form-field { margin-bottom: 16px; }
.form-field label {
	display: block;
	font-family: 'Montserrat', sans-serif;
	font-size: 0.8rem;
	font-weight: 700;
	color: var(--navy);
	margin-bottom: 6px;
	text-transform: uppercase;
	letter-spacing: 0.04em;
}

.form-field input,
.form-field textarea {
	width: 100%;
	padding: 12px 16px;
	border: 1.5px solid var(--border);
	border-radius: var(--radius);
	font-family: 'Open Sans', sans-serif;
	font-size: 0.95rem;
	color: var(--text);
	transition: border-color var(--transition);
	background: var(--bg);
}
.form-field input:focus,
.form-field textarea:focus {
	outline: none;
	border-color: var(--navy);
}

.form-row {
	display: flex;
	gap: 12px;
	margin-top: 8px;
}
.form-row .btn { flex: 1; justify-content: center; }

.form-success {
	text-align: center;
	padding: 20px 0;
}
.success-icon {
	width: 56px;
	height: 56px;
	background: #22c55e;
	color: white;
	border-radius: 50%;
	display: flex;
	align-items: center;
	justify-content: center;
	font-size: 1.5rem;
	margin: 0 auto 16px;
}

/* --- FOOTER --- */
.site-footer {
	background: var(--navy-dark);
	color: rgba(255,255,255,0.7);
}

.footer-inner {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 64px 24px 48px;
	display: grid;
	grid-template-columns: 2fr 1fr 1fr 1fr;
	gap: 48px;
}

.footer-logo {
	font-family: 'Montserrat', sans-serif;
	font-weight: 800;
	font-size: 1.2rem;
	color: var(--white);
	margin-bottom: 16px;
}

.footer-brand p {
	font-size: 0.9rem;
	margin-bottom: 12px;
	line-height: 1.6;
}

.footer-address {
	font-size: 0.875rem;
}
.footer-address a {
	color: rgba(255,255,255,0.75);
}
.footer-address a:hover {
	color: var(--white);
}

.footer-col h4 {
	font-family: 'Montserrat', sans-serif;
	font-size: 0.7rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.1em;
	color: var(--white);
	margin-bottom: 16px;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul a {
	color: rgba(255,255,255,0.55);
	font-size: 0.875rem;
	text-decoration: none;
	transition: color var(--transition);
}
.footer-col ul a:hover { color: var(--white); }

.footer-bottom {
	border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-bottom-inner {
	max-width: var(--max-width);
	margin: 0 auto;
	padding: 20px 24px;
	display: flex;
	justify-content: space-between;
	align-items: center;
	flex-wrap: wrap;
	gap: 8px;
}
.footer-bottom p {
	font-size: 0.8rem;
	color: rgba(255,255,255,0.35);
	margin: 0;
}
.footer-legal a {
	color: rgba(255,255,255,0.35);
	font-size: 0.8rem;
}
.footer-legal a:hover { color: var(--white); }

/* Hide mobile-only nav footer on desktop */
.nav-mobile-footer { display: none; }

/* --- PAGE CONTENT --- */
.page-content {
	padding: 64px 0;
}
.page-title {
	margin-bottom: 32px;
}

/* --- RESPONSIVE --- */
@media (max-width: 1024px) {
	.services-grid { grid-template-columns: repeat(2, 1fr); }
	.footer-inner { grid-template-columns: 1fr 1fr; gap: 40px; }
}

@media (max-width: 768px) {
	.section { padding: 64px 0; }

	/* ---- MOBILE NAV DRAWER ---- */
	.nav-toggle { display: flex; }
	.header-cta .btn { display: none; }

	/* Full-screen slide-in drawer */
	.primary-nav {
		position: fixed;
		top: 68px;
		left: 0;
		right: 0;
		bottom: 0;
		display: flex !important;
		flex-direction: column;
		background: var(--navy-dark);
		z-index: 200;
		overflow-y: auto;
		overflow-x: hidden;
		transform: translateX(100%);
		transition: transform 0.28s cubic-bezier(0.4, 0, 0.2, 1);
		visibility: hidden;
		border-top: 1px solid rgba(255,255,255,0.08);
		max-width: 100vw;
	}
	.primary-nav.open {
		transform: translateX(0);
		visibility: visible;
	}

	/* Prevent body scroll when nav is open */
	body.nav-open { overflow: hidden; }

	/* Hamburger → X animation */
	.nav-toggle span { transition: transform 0.25s ease, opacity 0.2s ease; }
	.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
	.nav-toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
	.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

	/* Top-level nav list */
	.nav-menu {
		flex-direction: column;
		gap: 0;
		flex: 1;
		padding: 4px 0;
	}

	/* All top-level links */
	.nav-menu > li > a {
		color: rgba(255,255,255,0.88);
		font-size: 1rem;
		font-weight: 600;
		padding: 18px 24px;
		border-radius: 0;
		background: transparent;
		display: flex;
		align-items: center;
		justify-content: space-between;
		border-bottom: 1px solid rgba(255,255,255,0.07);
		transition: background 0.15s ease, color 0.15s ease;
	}
	.nav-menu > li > a:hover,
	.nav-menu > li.has-dropdown.open > a {
		background: rgba(255,255,255,0.07);
		color: #fff;
	}
	.nav-menu > li:last-child > a { border-bottom: none; }

	/* Chevron color */
	.nav-menu .dropdown-chevron { color: rgba(255,255,255,0.45); }

	/* Mobile dropdown — inline accordion */
	.dropdown {
		position: static !important;
		display: none;
		background: rgba(0,0,0,0.2);
		border: none;
		border-radius: 0;
		box-shadow: none;
		padding: 4px 0;
		margin: 0;
		min-width: unset;
	}
	.has-dropdown.open > .dropdown { display: block; }
	.dropdown::before { display: none; } /* remove desktop bridge */

	/* Two-column layout → single column */
	.dropdown-wide { min-width: unset; }
	.dropdown-cols { flex-direction: column; gap: 0; }

	/* Section labels inside dropdown */
	.dropdown-col-label {
		color: rgba(255,255,255,0.38);
		font-size: 0.65rem;
		letter-spacing: 0.1em;
		padding: 10px 24px 4px 52px;
	}

	/* Dropdown links */
	.dropdown a {
		color: rgba(255,255,255,0.75);
		font-size: 0.9rem;
		padding: 13px 24px 13px 52px;
		border-radius: 0;
		border-bottom: 1px solid rgba(255,255,255,0.05);
		display: flex;
		align-items: center;
		gap: 10px;
		background: transparent;
	}
	.dropdown a:hover { background: rgba(255,255,255,0.07); color: #fff; }
	.dropdown a svg { color: rgba(255,255,255,0.38); }
	.dropdown a:last-child { border-bottom: none; }

	/* Mobile nav footer */
	.nav-mobile-footer {
		display: flex;
		flex-direction: column;
		gap: 12px;
		padding: 24px;
		border-top: 1px solid rgba(255,255,255,0.1);
		flex-shrink: 0;
	}
	.nav-mobile-footer .btn-primary {
		background: #fff;
		color: var(--navy);
		border-color: #fff;
		font-size: 0.95rem;
		padding: 14px 24px;
	}
	.nav-mobile-footer .btn-primary:hover {
		background: rgba(255,255,255,0.9);
		color: var(--navy);
	}
	.nav-mobile-phone {
		display: flex;
		align-items: center;
		justify-content: center;
		gap: 8px;
		color: rgba(255,255,255,0.6);
		font-family: 'Montserrat', sans-serif;
		font-size: 0.875rem;
		font-weight: 600;
		text-decoration: none;
	}
	.nav-mobile-phone:hover { color: rgba(255,255,255,0.9); }

	/* Hide the footer div on desktop */
	.nav-mobile-footer { display: flex; }

	/* ---- OTHER MOBILE LAYOUT ---- */
	.hero-inner {
		grid-template-columns: 1fr;
		padding: 56px 24px;
		gap: 40px;
	}
	.hero-image { display: none; }
	.trust-pillars { grid-template-columns: 1fr; gap: 32px; }
	.services-grid { grid-template-columns: 1fr; }
	.why-inner { grid-template-columns: 1fr; gap: 48px; }
	.team-grid { grid-template-columns: 1fr; }
	.quote-inner { grid-template-columns: 1fr; gap: 40px; }
	.quote-form-wrap { padding: 28px 24px; }
	.footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
	.footer-bottom-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
	.hero-actions { flex-direction: column; }
	.hero-actions .btn { width: 100%; justify-content: center; }
	.footer-inner { grid-template-columns: 1fr; }
	.coverage-options { grid-template-columns: 1fr; }
}