@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600&display=swap');
:root {
  --brand-blue: #004A8F;
  --brand-blue-light: #3DAAF2;
  --brand-text: #111111;
  --brand-bg: #f5f5f7;
  --accent-teal: #78fcfe;
}

* { box-sizing: border-box; }

html {
  overflow-x: hidden;
}

/* Focus states for accessibility */
:focus-visible {
  outline: 2px solid var(--accent-teal);
  outline-offset: 2px;
}

/* Remove default focus for mouse users */
:focus:not(:focus-visible) {
  outline: none;
}

body {
  margin: 0;
  font-family: 'Montserrat', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--brand-bg);
  color: var(--brand-text);
}

header {
  padding: 10px 32px;
  background: #ffffff;
  border-bottom: 2px solid var(--accent-teal);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  position: sticky;
  top: 0;
  z-index: 20;
}

.header-left {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo {
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 13px;
  display: flex;
  align-items: center;
  gap: 2px;
  flex-wrap: wrap;
}

.logo > svg {
  height: 85px;
  display: block;
}
.logo-wordmark {
  height: 26px;
  max-width: 100%;
  display: block;
  margin-top: -6px;
  margin-left: -15px;
}

.header-right {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 13px;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 16px;
}

.nav-toggle {
  display: none;
  border: none;
  background: transparent;
  padding: 6px;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 2px;
  background: #333333;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.nav-toggle span + span {
  margin-top: 4px;
}

/* Hamburger to X animation */
.nav-toggle--active span:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}

.nav-toggle--active span:nth-child(2) {
  opacity: 0;
  transform: translateX(-10px);
}

.nav-toggle--active span:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}

.header-phone {
  padding: 8px 16px;
  border-radius: 999px;
  background: var(--brand-blue-light);
  color: #ffffff;
  border: 1px solid var(--accent-teal);
  box-shadow: 0 2px 6px rgba(120, 252, 254, 0.3);
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.2s ease;
}
.header-phone:hover {
  background: var(--brand-blue);
  border-color: var(--accent-teal);
  box-shadow: 0 0 0 1px rgba(120, 252, 254, 0.7), 0 4px 10px rgba(120, 252, 254, 0.4);
  transform: translateY(-1px);
}
.header-phone-icon {
  display: inline-flex;
  line-height: 1;
}

.header-phone-icon svg {
  width: 14px;
  height: 14px;
  display: block;
  fill: currentColor;
}

nav a {
  text-decoration: none;
  color: #333;
  font-size: 13px;
}

.primary-nav > a {
  padding: 8px 12px;
  border-radius: 8px;
  transition: background 0.15s ease, color 0.15s ease;
}

.primary-nav > a:hover {
  background: var(--brand-blue-light);
  color: #ffffff;
  box-shadow: inset 0 2px 0 0 var(--accent-teal), inset 2px 0 0 0 var(--accent-teal), inset -2px 0 0 0 var(--accent-teal), inset 0 -2px 0 0 var(--accent-teal);
}

nav a:hover { color: var(--brand-blue-light); }

/* Dropdown styles */
.nav-item {
  position: relative;
}

.nav-item > a {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 8px 12px;
  border-radius: 8px 8px 0 0;
  transition: background 0.15s ease, color 0.15s ease;
}

.nav-item:hover > a {
  background: var(--brand-blue-light);
  color: #ffffff;
  box-shadow: inset 0 2px 0 0 var(--accent-teal), inset 2px 0 0 0 var(--accent-teal), inset -2px 0 0 0 var(--accent-teal);
}

.nav-item:hover > a::after {
  border-top-color: #ffffff;
}

.nav-item > a::after {
  content: '';
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  margin-top: 1px;
}

.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--brand-blue);
  border: 2px solid var(--accent-teal);
  border-radius: 0 12px 12px 12px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, visibility 0.2s ease;
  margin-top: 0;
  z-index: 100;
  overflow: hidden;
}

/* Connected tab effect for Insurance */
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
}

.nav-item:first-child > a {
  position: relative;
}

.nav-item:first-child:hover > a::before {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 2px;
  right: 2px;
  height: 4px;
  background: var(--brand-blue-light);
  z-index: 101;
}

/* Insurance dropdown - two columns */
.dropdown--insurance {
  display: flex;
  min-width: 420px;
}

.dropdown-col {
  padding: 16px 20px;
  min-width: 200px;
}

.dropdown-col--personal {
  background: var(--brand-blue-light);
}

.dropdown-col--commercial {
  background: var(--brand-blue);
  border-left: 2px solid var(--accent-teal);
}

.dropdown-col {
  padding: 16px 20px;
  min-width: 200px;
  cursor: pointer;
}

.dropdown-col-title {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #ffffff;
  margin-bottom: 12px;
  padding-bottom: 8px;
  font-weight: 600;
  border-bottom: 1px solid rgba(255, 255, 255, 0.3);
  cursor: default;
}

.dropdown-col a {
  display: block;
  padding: 8px 12px;
  margin: 0 -12px;
  color: #ffffff;
  text-decoration: none;
  font-size: 13px;
  transition: background 0.15s ease, padding-left 0.15s ease;
  cursor: pointer;
  border-radius: 6px;
}

.dropdown-col a:hover {
  background: rgba(255, 255, 255, 0.15);
  padding-left: 16px;
  color: #ffffff;
}

/* About dropdown - single column */
.dropdown--about {
  min-width: 180px;
  background: var(--brand-blue-light);
}

.dropdown--about a {
  display: block;
  padding: 10px 20px;
  color: #ffffff;
  text-decoration: none;
  font-size: 13px;
  margin: 0;
  transition: background 0.15s ease, padding-left 0.15s ease;
  cursor: pointer;
}

.dropdown--about a:hover {
  background: rgba(255, 255, 255, 0.15);
  padding-left: 24px;
  color: #ffffff;
}

.header-cta {
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 13px;
  border: 1px solid var(--accent-teal);
  background: var(--brand-blue);
  color: #ffffff;
  text-decoration: none;
  font-weight: 500;
  margin-left: 24px;
  margin-right: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  transition: box-shadow 0.2s ease, background 0.2s ease;
}
.header-cta:hover {
  background: var(--brand-blue-light);
  border-color: var(--accent-teal);
  box-shadow: 0 0 0 1px rgba(120, 252, 254, 0.7), 0 4px 10px rgba(0, 0, 0, 0.18);
  color: #ffffff;
}

main {
  padding: 0 32px 72px;
  max-width: 1120px;
  margin: 0 auto;
}

.hero {
  background: linear-gradient(to bottom right, var(--accent-teal) 0%, var(--brand-blue) 40%, var(--brand-blue) 100%);
  color: #ffffff;
  padding: 56px 0 56px;
  margin: 0 calc(50% - 50vw) 0;
  width: 100vw;
}

.hero-layout {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 32px;
}

.hero-copy {
  flex: 1 1 260px;
  min-width: 260px;
}

.hero-media {
  flex: 1 1 260px;
  min-width: 260px;
  max-width: 420px;
}

.hero-image {
  width: 100%;
  aspect-ratio: 4 / 3;
  border-radius: 16px;
  overflow: hidden;
  background: #dfe7f3;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
}

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

.content-section {
  padding-bottom: 40px;
  margin-bottom: 40px;
}

.content-section:last-of-type {
  padding-bottom: 0;
  margin-bottom: 0;
}

  #coverages {
    background: #ffffff;
    padding: 40px 32px;
    margin: 0 calc(50% - 50vw) 0;
    border-radius: 0;
    box-shadow: none;
    position: relative;
  }

  #coverages::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 14px;
    background: linear-gradient(to bottom, var(--brand-blue), #ffffff);
  }

  #coverages::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 14px;
    background: linear-gradient(to bottom, #ffffff, var(--brand-blue));
  }

  .coverages-inner {
    max-width: 1120px;
    margin: 0 auto;
    padding: 32px 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
    z-index: 1;
  }

#coverages h2 {
  text-align: center;
  margin-bottom: 16px;
}

.coverages-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 16px;
  width: 100%;
  justify-items: stretch;
  justify-content: center;
}

.coverage-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 12px;
  padding: 16px 14px;
  border-radius: 12px;
  text-decoration: none;
  background: #f7f9fc;
  border: 1px solid rgba(0, 0, 0, 0.03);
  transition: background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  color: inherit;
}

.coverage-card:hover {
  background: var(--brand-blue);
  color: #ffffff;
  border-color: var(--accent-teal);
  box-shadow: 0 0 0 1px rgba(120, 252, 254, 0.7), 0 4px 12px rgba(120, 252, 254, 0.4);
  transform: translateY(-2px);
}

.coverage-card:hover .coverage-subtitle {
  color: rgba(255, 255, 255, 0.9);
}

.coverage-icon {
  flex: 0 0 auto;
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.coverage-icon svg {
  width: 40px;
  height: 40px;
  fill: var(--brand-blue);
  transition: fill 0.2s ease;
}

.coverage-card:hover .coverage-icon svg {
  fill: #ffffff;
}
.coverage-divider {
  display: flex;
  grid-column: 1 / -1;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--brand-blue);
  margin: 8px 0 4px;
  font-weight: 600;
}

.coverage-divider::before,
.coverage-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--brand-blue-light);
}

/* Nav header and close button - hidden by default (desktop) */
.nav-close,
.nav-header {
  display: none;
}

/* Coverages expand button - hidden on desktop */
.coverages-expand-btn {
  display: none;
}

/* Carriers expand button - hidden on desktop */
.carriers-expand-btn {
  display: none;
}

/* Reviews Gradient Section */
.reviews-section {
  margin: 0 calc(50% - 50vw) 0;
  width: 100vw;
  background: linear-gradient(to bottom right, var(--brand-blue) 0%, var(--brand-blue) 55%, var(--accent-teal) 100%);
  color: #ffffff;
  padding: 48px 0 0;
  position: relative;
}

.reviews-inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 32px 56px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: center;
  text-align: center;
}

/* Gradient transition to carrier section */
.reviews-section::after {
  content: '';
  display: block;
  width: 100%;
  height: 14px;
  background: linear-gradient(to bottom, transparent, var(--brand-bg));
}

.reviews-heading {
  font-size: 14px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  opacity: 0.9;
}

.reviews-slider {
  width: 100%;
  max-width: 900px;
  position: relative;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  min-height: 220px;
}

.review-slide {
  display: none;
  background: rgba(6, 18, 38, 0.55);
  border-radius: 16px;
  padding: 20px 20px 18px;
  border: 2px solid var(--accent-teal);
  box-shadow: 0 0 0 1px rgba(120, 252, 254, 0.4), 0 10px 30px rgba(0, 0, 0, 0.25);
  text-align: left;
  transition: box-shadow 0.3s ease, transform 0.3s ease;
  cursor: default;
  height: fit-content;
}

.review-slide.active {
  display: block;
}

.review-slide:hover {
  box-shadow: 0 0 0 2px rgba(120, 252, 254, 0.8), 0 0 20px rgba(120, 252, 254, 0.5), 0 12px 35px rgba(0, 0, 0, 0.3);
  transform: translateY(-2px);
}

.review-rating {
  color: #ffd76a;
  margin-bottom: 6px;
  font-size: 14px;
}

.review-text {
  font-size: 14px;
  line-height: 1.5;
  margin-bottom: 8px;
}

.review-author {
  font-size: 13px;
  opacity: 0.9;
}

.carriers-section {
  margin-top: 32px;
}

/* Chat Section */
.chat-section {
  margin: 0 calc(50% - 50vw) 0;
  width: 100vw;
  background: linear-gradient(to bottom left, var(--brand-blue) 0%, var(--brand-blue) 55%, var(--accent-teal) 100%);
  color: #ffffff;
  padding: 48px 0 56px;
  position: relative;
}

/* Background to navy gradient at top of chat */
.chat-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 14px;
  background: linear-gradient(to bottom, var(--brand-bg), var(--brand-blue));
  z-index: 1;
}

.chat-inner {
  max-width: 720px;
  margin: 0 auto;
  padding: 0 32px;
  text-align: center;
}

.chat-inner h2 {
  border: none;
  padding: 0;
  margin-bottom: 12px;
  font-size: 32px;
}

.chat-inner > p {
  font-size: 16px;
  margin-bottom: 28px;
  opacity: 0.95;
}

.chat-launch-btn {
  font-size: 16px;
  padding: 14px 28px;
  cursor: pointer;
}

#about {
  position: relative;
  margin-top: 0;
  padding-top: 48px;
}

.carriers-heading {
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #666;
  margin-bottom: 16px;
}

.carriers-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 16px;
  margin-top: 16px;
}

.carrier-item {
  aspect-ratio: 4 / 3;
  background: #ffffff;
  border: 1px solid #e2e2e7;
  border-radius: 8px;
  padding: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.carrier-item:hover {
  transform: translateY(-2px);
  border-color: var(--brand-blue-light);
  box-shadow: 0 0 0 1px rgba(61, 170, 242, 0.4), 0 4px 16px rgba(0, 74, 143, 0.15);
}

.carrier-item img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}

@media (max-width: 1024px) {
  /* Coverages 2-column grid */
  .coverages-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  /* Coverages expand/collapse for tablet/mobile */
  .coverage-card--mobile-hidden {
    display: none;
  }

  .coverages-grid.expanded .coverage-card--mobile-hidden {
    display: flex;
  }

  .coverages-expand-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 16px;
    padding: 12px 24px;
    background: transparent;
    border: 1px solid var(--brand-blue-light);
    border-radius: 999px;
    color: var(--brand-blue);
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  }

  .coverages-expand-btn:hover {
    background: var(--brand-blue);
    border-color: var(--brand-blue);
    color: #ffffff;
  }

  .coverages-expand-icon {
    transition: transform 0.3s ease;
  }

  .coverages-expand-btn.expanded .coverages-expand-icon {
    transform: rotate(180deg);
  }

  /* Carriers expand/collapse for tablet/mobile */
  .carrier-item--hide-on-mobile {
    display: none;
  }

  .carriers-grid.expanded .carrier-item--hide-on-mobile {
    display: flex;
  }

  .carriers-grid {
    grid-template-columns: repeat(3, 1fr);
    width: 100%;
  }

  .carriers-section {
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .carriers-section .carriers-heading {
    align-self: flex-start;
  }

  .carriers-expand-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 16px;
    padding: 12px 24px;
    background: transparent;
    border: 1px solid var(--brand-blue-light);
    border-radius: 999px;
    color: var(--brand-blue);
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  }

  .carriers-expand-btn:hover {
    background: var(--brand-blue);
    border-color: var(--brand-blue);
    color: #ffffff;
  }

  .carriers-expand-icon {
    transition: transform 0.3s ease;
  }

  .carriers-expand-btn.expanded .carriers-expand-icon {
    transform: rotate(180deg);
  }
}

@media (min-width: 1025px) {
  .coverages-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
  .coverage-card--bottom-left {
    grid-column: 2;
  }
  .coverage-card--bottom-right {
    grid-column: 3;
  }
}

.coverage-title {
  font-weight: 600;
  font-size: 14px;
  margin-bottom: 2px;
}

.coverage-subtitle {
  font-size: 12px;
  color: #555555;
}

.coverage-title,
.coverage-subtitle {
  text-align: center;
}

h1 {
  font-size: 44px;
  line-height: 1.12;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

p.lead {
  font-size: 18px;
  max-width: 600px;
  margin-bottom: 24px;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 40px;
}

h2 {
  border-left: 4px solid var(--brand-blue-light);
  padding-left: 10px;
}

.btn-primary, .btn-secondary {
  padding: 10px 18px;
  border-radius: 999px;
  font-size: 14px;
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.btn-primary {
  background: var(--brand-blue);
  color: #fff;
  border-color: var(--accent-teal);
  transition: box-shadow 0.2s ease, background 0.2s ease;
}

.btn-primary:hover {
  background: var(--brand-blue-light);
  border-color: var(--accent-teal);
  box-shadow: 0 0 0 1px rgba(120, 252, 254, 0.7), 0 4px 10px rgba(0, 0, 0, 0.18);
}

.btn-secondary {
  background: #fff;
  color: #111;
  border-color: #d0d0d7;
}

.btn-secondary:hover {
  background: var(--brand-blue-light);
  color: #fff;
  border-color: var(--brand-blue-light);
}

.pill {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--brand-blue-light);
  margin-bottom: 8px;
}

footer {
  margin-top: 0;
  padding: 48px 32px 32px;
  background: #050e1f;
  border-top: 2px solid var(--accent-teal);
  font-size: 13px;
  color: #f3f5ff;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.footer-content {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-bottom: 32px;
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
}

.footer-brand-logo-wrapper {
  margin-bottom: 12px;
}

.footer-brand-logo {
  height: 144px;
  display: block;
}

.footer-brand-wordmark {
  height: 24px;
  filter: brightness(0) invert(1);
}

.footer-col {
  min-width: 0;
}

.footer-col-title {
  font-weight: 600;
  margin-bottom: 12px;
  color: #ffffff;
  font-size: 14px;
}

.footer-col p {
  margin: 4px 0;
  line-height: 1.6;
}

.footer-address-col p {
  font-size: 15px;
  line-height: 1.7;
}

.footer-contact-col {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.footer-apps-col {
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
}

.footer-social-section {
  margin-top: 24px;
}

.footer-social-links {
  display: flex;
  gap: 16px;
  align-items: center;
}

.footer-social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
  transition: all 0.2s ease;
}

.footer-social-link:hover {
  background: rgba(120, 252, 254, 0.2);
  color: var(--accent-teal);
  transform: translateY(-2px);
}

.footer-app-link {
  display: inline-flex;
  transition: opacity 0.3s ease, transform 0.2s ease;
}

.footer-app-link:hover {
  opacity: 0.8;
  transform: translateY(-2px);
}

.footer-app-link img {
  display: block;
}

.footer-bottom {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.footer-app-download {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.footer-app-download-title {
  font-weight: 600;
  color: #ffffff;
  font-size: 14px;
}

.footer-app-download-badges {
  display: flex;
  gap: 16px;
  align-items: center;
}

.footer-copyright {
  text-align: center;
  font-size: 12px;
  color: #9ca3c7;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding-top: 20px;
}

footer a {
  color: #e2e6ff;
  text-decoration: none;
}

footer a:hover {
  color: #3DAAF2;
}

@media (max-width: 1100px) {
  /* Drop to tablet header layout */
  header {
    padding: 12px 16px;
    flex-direction: column;
    gap: 10px;
    align-items: stretch;
  }

  .header-left {
    justify-content: center;
    position: relative;
  }

  .nav-toggle {
    display: inline-flex;
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
  }

  .logo > svg {
    height: 70px;
  }

  .header-right {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    flex-wrap: wrap;
  }

  .header-phone {
    display: inline-flex;
    font-size: 13px;
  }

  .primary-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--brand-blue-light);
    flex-direction: column;
    padding: 10px 16px 12px;
    gap: 4px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.16);
    border-radius: 0 0 24px 24px;
  }

  .primary-nav.nav-open {
    display: flex;
  }

  /* Close button hidden on tablet */
  .nav-close {
    display: none;
  }

  /* Nav header hidden on tablet (only for mobile full-screen) */
  .nav-header {
    display: none;
  }

  .primary-nav .nav-item {
    display: flex;
    flex-direction: column;
  }

  .primary-nav .nav-item > a {
    padding: 12px 0;
    border-radius: 0;
    box-shadow: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.35);
    justify-content: space-between;
    font-size: 15px;
    color: #ffffff;
    transition: color 0.2s ease;
  }

  .primary-nav .nav-item > a:hover {
    color: var(--accent-teal);
  }

  .primary-nav .nav-item > a::after {
    transition: transform 0.3s ease;
    border-top-color: #ffffff;
  }

  .primary-nav .nav-item > a:hover::after {
    border-top-color: var(--accent-teal);
  }

  .primary-nav .nav-item.menu-open > a::after {
    transform: rotate(180deg);
  }

  .primary-nav .nav-item:hover > a {
    background: transparent;
    box-shadow: none;
  }

  .primary-nav .nav-item:hover > a::before {
    display: none;
  }

  /* Hide desktop dropdowns on tablet/mobile */
  .primary-nav .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    display: none;
    flex-direction: column;
    background: transparent;
    border: none;
    border-radius: 0;
    box-shadow: none;
    margin: 0;
    min-width: 0;
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.3s ease;
  }

  .primary-nav .nav-item.menu-open .dropdown {
    display: flex;
    max-height: 1000px;
  }

  .primary-nav .dropdown--insurance {
    flex-direction: column;
    min-width: 0;
  }

  .primary-nav .dropdown-col {
    background: #ffffff;
    border: none;
    border-radius: 12px;
    margin: 6px 0;
    padding: 14px 16px;
    min-width: 0;
  }

  .primary-nav .dropdown-col--commercial {
    border-left: none;
  }

  .primary-nav .dropdown-col-title {
    font-size: 11px;
    margin-bottom: 10px;
    padding-bottom: 8px;
    color: var(--brand-blue);
    border-bottom-color: var(--brand-blue-light);
  }

  .primary-nav .dropdown-col a {
    padding: 10px 10px;
    margin: 2px 0;
    font-size: 15px;
    color: var(--brand-blue);
    border-radius: 8px;
  }

  .primary-nav .dropdown-col a:hover {
    background: rgba(0, 74, 143, 0.08);
    padding-left: 14px;
    color: var(--brand-blue);
  }

  .primary-nav .dropdown--about {
    background: #ffffff;
    border-radius: 12px;
    margin: 6px 0;
    min-width: 0;
    padding: 8px 0;
  }

  .primary-nav .dropdown--about a {
    padding: 10px 16px;
    font-size: 15px;
    color: var(--brand-blue);
  }

  .primary-nav .dropdown--about a:hover {
    background: rgba(0, 74, 143, 0.08);
    padding-left: 20px;
    color: var(--brand-blue);
  }

  .primary-nav > a {
    margin: 0;
    padding: 12px 0;
    color: #ffffff;
    border-bottom: 1px solid rgba(255, 255, 255, 0.35);
    border-radius: 0;
    box-shadow: none;
    font-size: 15px;
    transition: color 0.2s ease;
  }

  .primary-nav > a:hover {
    background: transparent;
    box-shadow: none;
    color: var(--accent-teal);
  }

  .primary-nav a:last-child,
  .primary-nav .nav-item:last-of-type > a {
    border-bottom: none;
  }

  /* Hero layout for tablet */
  .hero-layout {
    flex-direction: column;
    align-items: flex-start;
  }

  .hero-media {
    flex: 1 1 260px;
    min-width: 260px;
    max-width: none;
    width: 100vw;
    margin: 28px calc(50% - 50vw) 0;
  }

  .hero-slider {
    border-radius: 0;
  }

  /* Remove hero bottom padding and gradient on tablet */
  .hero {
    padding: 40px 0 0;
    margin-bottom: 0;
  }

  .hero-media {
    margin-bottom: 0;
  }

  .hero-image {
    border-radius: 0;
  }

  #coverages::before {
    display: none;
  }

  /* Teal accent line between hero and coverages on tablet */
  #coverages {
    border-top: 2px solid var(--accent-teal);
  }

  /* Footer - 3 columns with logo on top */
  .footer-content {
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
  }

  .footer-brand-col {
    grid-column: 1 / -1;
    flex-direction: row;
    justify-content: center;
    align-items: center;
    gap: 12px;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .footer-brand-logo {
    height: 80px;
  }

  .footer-brand-wordmark {
    height: 18px;
  }
}

/* Nav/header styles now in 1100px breakpoint above */

@media (max-width: 768px) {
  /* Full-screen mobile menu */
  .primary-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(to bottom right, var(--accent-teal) 0%, var(--brand-blue-light) 30%, var(--brand-blue) 100%);
    padding: 24px;
    gap: 0;
    box-shadow: none;
    border-radius: 0;
    z-index: 100;
    overflow-y: auto;
  }

  .nav-close {
    display: none; /* Use hamburger button for close instead */
  }

  /* Style hamburger button when menu is open */
  .nav-toggle--active {
    position: fixed;
    left: 16px;
    top: 16px;
    z-index: 150;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    width: 48px;
    height: 48px;
    transform: none;
  }

  .nav-toggle--active:hover {
    background: rgba(255, 255, 255, 0.3);
  }

  .nav-toggle--active span {
    background: #ffffff;
  }

  /* Mobile nav header with logo and actions */
  .nav-header {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 24px;
    margin-bottom: 32px;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.25);
  }

  .nav-logo {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-decoration: none;
  }

  .nav-logo-icon {
    height: 140px;
    width: auto;
  }

  .nav-logo-wordmark {
    height: 36px;
    margin-top: -14px;
    filter: brightness(0) invert(1);
  }

  .nav-header-actions {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
    width: 100%;
  }

  .nav-header-phone {
    color: #ffffff;
    text-decoration: none;
    font-weight: 600;
    font-size: 20px;
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 14px 28px;
    background: rgba(255, 255, 255, 0.15);
    border: 2px solid var(--accent-teal);
    border-radius: 999px;
    transition: background 0.2s ease;
  }

  .nav-header-phone:hover {
    background: rgba(255, 255, 255, 0.25);
    color: #ffffff;
  }

  .nav-header-cta {
    padding: 16px 36px;
    border-radius: 999px;
    font-size: 18px;
    border: none;
    background: var(--brand-blue);
    color: #ffffff;
    text-decoration: none;
    font-weight: 600;
    width: 100%;
    max-width: 300px;
    text-align: center;
    transition: background 0.2s ease;
  }

  .nav-header-cta:hover {
    background: var(--brand-blue-light);
    color: #ffffff;
  }

  /* Larger nav items - no borders for cleaner look */
  .primary-nav .nav-item > a {
    padding: 18px 0;
    font-size: 20px;
    font-weight: 500;
    border-bottom: none;
    color: #ffffff;
  }

  .primary-nav .nav-item > a:hover {
    color: var(--accent-teal);
  }

  .primary-nav .nav-item > a::after {
    border-top-color: #ffffff;
    transition: transform 0.3s ease, border-top-color 0.2s ease;
  }

  .primary-nav .nav-item > a:hover::after {
    border-top-color: var(--accent-teal);
  }

  .primary-nav .nav-item.menu-open > a::after {
    transform: rotate(180deg);
  }

  .primary-nav .dropdown-col {
    padding: 16px 18px;
  }

  .primary-nav .dropdown-col a {
    padding: 14px 14px;
    font-size: 17px;
  }

  .primary-nav .dropdown-col-title {
    font-size: 13px;
    margin-bottom: 12px;
  }

  /* Contact as regular nav item, no border */
  .primary-nav > a[href="#contact"] {
    margin-top: 0;
    padding: 18px 0;
    font-size: 20px;
    font-weight: 500;
    border-bottom: none;
    color: #ffffff;
  }

  .primary-nav > a[href="#contact"]:hover {
    color: var(--accent-teal);
  }

  /* Insurance arrow rotation handled by menu-open class */

  .carriers-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    max-width: 100%;
  }

  .carrier-item {
    padding: 8px;
    min-width: 0;
  }

  .reviews-slider {
    grid-template-columns: 1fr;
    min-height: 180px;
  }
}

@media (max-width: 768px) {
  .footer-content {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-brand-col {
    flex-direction: column;
    align-items: center;
  }

  .footer-brand-logo {
    height: 96px;
  }

  .footer-brand-wordmark {
    height: 20px;
  }

  .footer-app-download-badges {
    flex-wrap: wrap;
    justify-content: center;
  }
}

@media (max-width: 480px) {
  main { padding: 0 16px 32px; }
  h1 { font-size: 32px; }

  .hero-layout {
    padding: 0 16px;
  }

  .chat-inner h2 {
    font-size: 26px;
  }

  #coverages {
    padding: 24px 16px;
  }
  .coverages-grid {
    grid-template-columns: 1fr;
  }
  /* Hide low‑volume lines on very small screens so the list isn't overwhelming */
  .coverage-card--hide-on-small {
    display: none;
  }

  /* Tidy header layout on very small phones */
  header {
    padding: 10px 12px;
  }
  .logo > svg {
    height: 60px;
  }
  .logo-wordmark {
    height: 16px;
  }
  .header-right {
    gap: 8px;
  }
  .header-phone {
    font-size: 12px;
  }
  .header-cta {
    font-size: 12px;
    padding: 6px 12px;
  }

  .reviews-inner {
    padding: 0 16px;
    align-items: stretch;
    text-align: left;
  }
}