:root {
  /* Bảo Hiểm Xe palette, Bright green primary + Purple accent */
  --indigo-deep: #15803D;   /* green-700 */
  --indigo: #15803D;        /* green-700, WCAG AA compliant on white */
  --indigo-soft: #4ADE80;
  --bg: #FFFFFF;
  --bg-soft: #FAFBFA;
  --bg-deep: #F2F7F3;
  --ink: #0B1A0F;
  --ink-warm: #1A2B1E;
  --muted: #5C6C5F;
  --muted-light: #5C6F60;
  --line: #E5E7EB;
  --rule: #D1D5DB;
  --card: #FFFFFF;
  --orange: #15803D;        /* AA-pass green for text contexts */
  --orange-deep: #14532D;
  --green-tp: #22C55E;
  --accent: #15803D;
  --accent-dark: #15803D;
  --warm: #B45309;
  --danger: #9f1239;
  --success: #15803D;

  --font-display: "Manrope", "Be Vietnam Pro", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  --font-sans: "Be Vietnam Pro", "Inter", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  color: var(--ink);
  background: var(--bg);
  font-family: var(--font-sans);
  font-feature-settings: "ss01", "ss02";
  letter-spacing: 0;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
body { overflow-x: hidden; }

body {
  margin: 0;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

.site-shell {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

#main-content {
  order: 0;
}

.topbar {
  order: -1;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.92);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(10px);
}

.footer {
  order: 1;
}

.home-top {
  display: flex;
  flex-direction: column;
}

.home-top .icon-bar {
  order: -1;
}

.home-top .naver-hero {
  order: 0;
}

.topbar-inner,
.section-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
}

.topbar-inner {
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: #22a244;
}

.topnav {
  display: none;
  align-items: center;
  gap: 22px;
  font-size: 0.95rem;
  font-weight: 600;
}
.topnav a {
  color: #1f2937;
  text-decoration: none;
  padding: 6px 4px;
  border-bottom: 2px solid transparent;
  transition: color 120ms, border-color 120ms;
}
.topnav a:hover {
  color: #15803D;
  border-bottom-color: #15803D;
}
@media (min-width: 760px) {
  .topnav { display: inline-flex; }
}

.brand .brand-mark {
  flex: none;
  width: 44px;
  height: 44px;
}

.brand .brand-text {
  font-family: var(--font-display, Arial, Helvetica, sans-serif);
  font-weight: 800;
  font-size: 1.65rem;
  line-height: 1;
  letter-spacing: -0.01em;
  color: #22a244;
  text-transform: none;
}

@media (max-width: 480px) {
  .brand .brand-mark { width: 36px; height: 36px; }
  .brand .brand-text { font-size: 1.25rem; }
}

.nav {
  display: flex;
  align-items: center;
  gap: 14px;
  color: var(--muted);
  font-size: 0.92rem;
}

.phone-link,
.primary-button,
.secondary-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border-radius: 6px;
  padding: 0 16px;
  text-decoration: none;
  font-weight: 700;
}

.phone-link,
.primary-button {
  background: var(--accent);
  color: #fff;
  border: 1px solid var(--accent);
}

.secondary-button {
  background: #fff;
  color: var(--accent-dark);
  border: 1px solid var(--line);
}

.hero {
  padding: 54px 0 36px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: 28px;
  align-items: stretch;
}

.eyebrow {
  color: var(--accent-dark);
  font-weight: 800;
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
}

h1,
h2,
h3 {
  letter-spacing: 0;
  line-height: 1.08;
  margin: 0;
}

h1 {
  font-size: clamp(2.4rem, 7vw, 4.8rem);
  max-width: 820px;
}

h2 {
  font-size: 2rem;
}

h3 {
  font-size: 1.2rem;
}

.hero-copy {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.dek {
  color: var(--muted);
  font-size: 1.12rem;
  line-height: 1.65;
  max-width: 680px;
}

.hero-actions,
.chip-row,
.state-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.chip {
  background: #e8eee5;
  color: #26362d;
  border: 1px solid #cfdbd0;
  border-radius: 999px;
  padding: 8px 12px;
  font-weight: 700;
  font-size: 0.9rem;
}

.hero-media {
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #0b1f1d;
  min-height: 430px;
  position: relative;
}

.hero-media img {
  width: 100%;
  height: 100%;
  min-height: 430px;
  object-fit: cover;
  display: block;
  opacity: 0.88;
}

.media-caption {
  position: absolute;
  left: 18px;
  right: 18px;
  bottom: 18px;
  padding: 14px;
  background: rgba(255, 255, 255, 0.92);
  border-radius: 8px;
  color: var(--ink);
  line-height: 1.45;
}

.section {
  padding: 44px 0;
}

.section-muted {
  background: #eef2ea;
  border-block: 1px solid var(--line);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin-top: 18px;
}

.section-heading {
  display: grid;
  gap: 12px;
  max-width: 780px;
}

.split-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 360px);
  gap: 28px;
  align-items: start;
}

.card,
.form-panel,
.info-panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
}

.card p,
.form-panel p,
.info-panel p,
.legal-content p,
.legal-content li {
  color: var(--muted);
  line-height: 1.62;
}

.inline-link {
  color: var(--accent-dark);
  font-weight: 800;
}

.route-list {
  display: grid;
  gap: 10px;
  margin-top: 20px;
}

.route-list div,
.privacy-control {
  display: grid;
  grid-template-columns: 92px 1fr;
  gap: 12px;
  align-items: start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px;
}

.route-list strong {
  color: var(--accent-dark);
}

.route-list span,
.privacy-control p {
  color: var(--muted);
  line-height: 1.5;
  margin: 0;
}

.privacy-control {
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  margin: 20px 0;
}

.privacy-control button:disabled {
  opacity: 0.72;
  cursor: not-allowed;
}

.form-panel {
  max-width: 760px;
  margin: 0 auto;
}

.lead-form {
  display: grid;
  gap: 14px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

label {
  display: grid;
  gap: 6px;
  color: #26362d;
  font-weight: 700;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #c8d0c4;
  border-radius: 6px;
  min-height: 44px;
  padding: 10px 12px;
  background: #fff;
  color: var(--ink);
}

textarea {
  min-height: 96px;
  resize: vertical;
}

.full {
  grid-column: 1 / -1;
}

.checkbox {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 10px;
  font-weight: 500;
  color: var(--muted);
}

.checkbox input {
  width: 18px;
  min-height: 18px;
  margin-top: 3px;
}

.form-note {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.5;
}

.status {
  border-radius: 6px;
  padding: 12px;
  font-weight: 700;
}

.status.success {
  background: #dcfce7;
  color: #14532d;
}

.status.error {
  background: #ffe4e6;
  color: var(--danger);
}

.footer {
  background: var(--bg-deep);
  color: var(--ink-warm);
  padding: 56px 0 28px;
  border-top: 1px solid var(--line);
  font-family: var(--font-sans);
}
.footer a {
  color: var(--ink-warm);
  text-decoration: none;
  transition: color 0.12s;
}
.footer a:hover { color: var(--indigo); }

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) repeat(4, minmax(0, 1fr));
  gap: 32px;
  align-items: start;
}
.footer-brand .footer-wordmark {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.45rem;
  letter-spacing: -0.025em;
  text-transform: uppercase;
  color: var(--indigo-deep);
  display: block;
  margin-bottom: 12px;
}
.footer-tagline {
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0 0 18px;
  max-width: 320px;
}
.footer-contact p {
  font-size: 0.86rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0 0 2px;
}
.footer-contact strong {
  color: var(--ink);
  font-weight: 700;
}
.footer-phone {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink) !important;
  letter-spacing: -0.005em;
  display: inline-block;
  margin-top: 6px;
}
.footer-phone:hover { color: var(--indigo) !important; }
.footer-license {
  font-size: 0.78rem !important;
  color: var(--muted) !important;
  margin-top: 6px !important;
}

.footer-col {
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.footer-col h2.footer-col-h,
.footer-col h3 {
  font-family: var(--font-sans);
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink);
  margin: 0 0 6px;
}
.footer-col h3.footer-h4-spaced { margin-top: 22px; }
.footer-col a {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.4;
}
.footer-col a:hover { color: var(--indigo); }

.footer-divider {
  height: 1px;
  background: var(--line);
  margin: 36px auto 22px;
  width: min(100% - 32px, 1180px);
}

.footer-fineprint {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.footer-legal-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
}
.footer-legal-row a {
  font-size: 0.82rem;
  color: var(--muted);
  font-weight: 500;
}
.footer-legal-row a:hover { color: var(--ink); }
.footer-disclosure {
  font-size: 0.78rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0;
  max-width: 920px;
}
.footer-copy {
  font-size: 0.78rem;
  color: var(--muted);
  margin: 8px 0 0;
}

@media (max-width: 1100px) {
  .footer-grid {
    grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 1fr));
    row-gap: 36px;
  }
}
@media (max-width: 720px) {
  .footer { padding: 36px 0 24px; }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .footer-divider { margin: 24px auto 18px; }
}

.legal-content {
  max-width: 860px;
  padding: 48px 0;
}

.state-hero {
  padding: 42px 0 20px;
}

.hub-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}

.hub-list span {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 12px;
  background: #fff;
}

.faq {
  display: grid;
  gap: 12px;
  margin-top: 20px;
}

.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px 16px;
}

.faq summary {
  cursor: pointer;
  font-weight: 800;
}

.hidden-field {
  display: none;
}

@media (max-width: 860px) {
  .hero-grid,
  .cards,
  .split-section,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero-media,
  .hero-media img {
    min-height: 280px;
  }

  .nav {
    display: none;
  }

  .privacy-control {
    grid-template-columns: 1fr;
  }
}

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

  .topbar-inner,
  .section-inner {
    width: min(100% - 24px, 1180px);
  }
}

/* === Hero v2, Insurify-class split layout, Vietnamese personal-agent twist === */

:root {
  --bx-teal: #0E5E6F;
  --bx-teal-dark: #0a4651;
  --bx-amber: #F5A524;
  --bx-amber-dark: #d68d0e;
  --bx-ink: #0F172A;
  --bx-muted: #475569;
  --bx-line: #E2E8F0;
  --bx-bg-soft: #F1F5F9;
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--bx-teal);
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  margin-bottom: 12px;
}

.hero-v2 {
  background:
    radial-gradient(1200px 500px at 20% -10%, rgba(14, 94, 111, 0.08), transparent 60%),
    linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
  border-bottom: 1px solid var(--bx-line);
  padding: 56px 0 64px;
}
.hero-v2-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
  gap: 56px;
  align-items: center;
}
.hero-v2-left { min-width: 0; }
.hero-v2-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--bx-teal);
  background: rgba(14, 94, 111, 0.08);
  padding: 6px 12px;
  border-radius: 999px;
  margin: 0 0 18px;
  letter-spacing: 0.01em;
}
.hero-v2-h1 {
  font-size: clamp(34px, 4.4vw, 52px);
  line-height: 1.08;
  font-weight: 800;
  color: var(--bx-ink);
  margin: 0 0 16px;
  letter-spacing: -0.01em;
}
.hero-v2-sub {
  font-size: 18px;
  line-height: 1.5;
  color: var(--bx-muted);
  margin: 0 0 28px;
  max-width: 560px;
}
.hero-v2-form {
  background: #fff;
  border: 1px solid var(--bx-line);
  border-radius: 14px;
  padding: 18px 18px 16px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.06);
  max-width: 560px;
}
.hero-v2-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--bx-muted);
  margin-bottom: 8px;
}
.hero-v2-fieldrow {
  display: flex;
  gap: 10px;
}
.hero-v2-input {
  flex: 1;
  height: 56px;
  padding: 0 16px;
  font-size: 18px;
  font-weight: 600;
  letter-spacing: 0.05em;
  border: 1.5px solid var(--bx-line);
  border-radius: 10px;
  color: var(--bx-ink);
  background: #fff;
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.hero-v2-input:focus {
  border-color: var(--bx-teal);
  box-shadow: 0 0 0 3px rgba(14, 94, 111, 0.15);
}
.hero-v2-cta {
  height: 56px;
  padding: 0 22px;
  font-size: 16px;
  font-weight: 700;
  border: none;
  border-radius: 10px;
  background: var(--bx-amber);
  color: var(--bx-ink);
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.15s, transform 0.05s;
  box-shadow: 0 4px 14px rgba(245, 165, 36, 0.35);
}
.hero-v2-cta:hover { background: var(--bx-amber-dark); }
.hero-v2-cta:active { transform: translateY(1px); }
.hero-v2-microcopy {
  margin: 12px 2px 0;
  font-size: 13px;
  color: var(--bx-muted);
}
.hero-v2-microcopy a {
  color: var(--bx-teal);
  font-weight: 600;
  text-decoration: none;
}
.hero-v2-microcopy a:hover { text-decoration: underline; }
.hero-v2-trust {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-top: 28px;
  flex-wrap: wrap;
}
.hero-v2-trust-item {
  display: flex;
  flex-direction: column;
  font-size: 12px;
  color: var(--bx-muted);
  line-height: 1.3;
}
.hero-v2-trust-item strong {
  color: var(--bx-ink);
  font-size: 15px;
  font-weight: 700;
}
.hero-v2-trust-divider {
  width: 1px;
  height: 28px;
  background: var(--bx-line);
}
.hero-v2-right {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.hero-v2-photo-wrap {
  position: relative;
  width: 100%;
  max-width: 420px;
  aspect-ratio: 1 / 1;
  border-radius: 24px;
  overflow: hidden;
  background: var(--bx-bg-soft);
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.12), 0 4px 12px rgba(15, 23, 42, 0.06);
}
.hero-v2-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.hero-v2-photo-badge {
  position: absolute;
  left: 16px;
  bottom: 16px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-radius: 12px;
  padding: 10px 14px;
  display: flex;
  flex-direction: column;
  box-shadow: 0 6px 20px rgba(15, 23, 42, 0.12);
}
.hero-v2-photo-badge-name {
  font-size: 15px;
  font-weight: 800;
  color: var(--bx-ink);
}
.hero-v2-photo-badge-role {
  font-size: 12px;
  color: var(--bx-muted);
  margin-top: 1px;
}
.hero-v2-secondary-photo {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--bx-line);
  border-radius: 999px;
  padding: 6px 16px 6px 6px;
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.05);
  max-width: 420px;
}
.hero-v2-photo-sm {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
}
.hero-v2-secondary-meta {
  display: flex;
  flex-direction: column;
  font-size: 12px;
  color: var(--bx-muted);
  line-height: 1.3;
}
.hero-v2-secondary-meta strong {
  color: var(--bx-ink);
  font-size: 13px;
  font-weight: 700;
}
@media (max-width: 880px) {
  .hero-v2 { padding: 40px 0 48px; }
  .hero-v2-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .hero-v2-right { order: -1; }
  .hero-v2-h1 { font-size: 32px; }
  .hero-v2-sub { font-size: 16px; }
  .hero-v2-fieldrow { flex-direction: column; }
  .hero-v2-input, .hero-v2-cta { width: 100%; }
  .hero-v2-trust-divider { display: none; }
}

/* ============================================================
   v4, Insurify-class · Vietnamese-American family agency
   Saturated indigo hero · orange CTA · floating phone mockup
   ============================================================ */

/* Header, light, white bg with indigo wordmark */
.topbar {
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(12px);
}
.topbar-inner { min-height: 72px; }
.brand strong {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--indigo-deep);
  line-height: 1;
}
.brand span {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--muted);
  font-weight: 500;
}
.nav a {
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 500;
  text-decoration: none;
  color: var(--ink-warm);
  transition: color 0.15s;
}
.nav a:hover { color: var(--indigo); }

/* === Multiple-item nav bar === */
.nav-bar {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
  margin-right: 14px;
}
.nav-item {
  position: relative;
}
.nav-direct {
  border-radius: 8px;
  color: var(--ink-warm);
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  padding: 8px 12px;
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}
.nav-direct:hover {
  background: var(--bg-deep);
  color: var(--indigo);
}
.nav-item-trigger {
  appearance: none;
  border: 0;
  background: transparent;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ink-warm);
  padding: 8px 12px;
  border-radius: 8px;
  transition: background 0.12s, color 0.12s;
}
.nav-item-trigger:hover,
.nav-item:focus-within > .nav-item-trigger {
  background: var(--bg-deep);
  color: var(--indigo);
}
.nav-item-trigger .caret {
  font-size: 0.7em;
  color: var(--muted);
  transition: transform 0.15s;
}
.nav-item:hover > .nav-item-trigger {
  background: var(--bg-deep);
  color: var(--indigo);
}
.nav-item:hover > .nav-item-trigger .caret,
.nav-item:focus-within > .nav-item-trigger .caret {
  transform: rotate(-180deg);
  color: var(--indigo);
}
.nav-item-panel {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 280px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: 0 18px 44px -14px rgba(15, 9, 110, 0.2), 0 4px 12px rgba(15, 9, 110, 0.06);
  padding: 8px;
  z-index: 30;
  animation: nav-dd-in 0.14s ease-out;
  display: none;
  flex-direction: column;
  gap: 1px;
}
.nav-item:hover > .nav-item-panel,
.nav-item:focus-within > .nav-item-panel {
  display: flex;
}
.nav-item-panel a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 10px;
  border-radius: 8px;
  text-decoration: none;
  color: var(--ink);
  transition: background 0.12s;
  font-family: var(--font-sans);
}
.nav-item-panel a:hover { background: var(--bg-deep); }
.nav-item-panel a .ico {
  font-size: 1rem;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-deep);
  border-radius: 7px;
  margin-top: 1px;
}
.nav-item-panel a:hover .ico { background: rgba(34, 197, 94, 0.14); }
.nav-item-panel a strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--ink);
  letter-spacing: -0.005em;
  line-height: 1.25;
}
.nav-item-panel a em {
  display: block;
  font-style: normal;
  font-size: 0.76rem;
  color: var(--muted);
  margin-top: 1px;
  line-height: 1.3;
}
.nav-item-panel a.see-all {
  font-family: var(--font-sans);
  font-weight: 600;
  color: var(--indigo);
  font-size: 0.85rem;
  padding: 10px 10px 6px;
  border-top: 1px dashed var(--line);
  margin-top: 4px;
  display: block;
}
.nav-item-panel a.see-all:hover { background: transparent; color: var(--indigo-deep); }
.nav-item-panel a.muted-link {
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 0.82rem;
  color: var(--muted);
  padding: 6px 10px;
  display: block;
}
.nav-item-panel a.muted-link:hover { color: var(--indigo); background: transparent; }
.nav-item-panel .nav-dropdown-divider {
  display: block;
  height: 1px;
  background: var(--line);
  margin: 6px 8px;
}

/* Hide the legacy single-dropdown styles (nav-dropdown / nav-mega) */
.nav-dropdown { display: none !important; }

/* === Utility bar (above main nav) === */
.utility-bar {
  background: var(--bg-deep);
  border-bottom: 1px solid var(--line);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  color: var(--muted);
}
.utility-bar-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 36px;
  gap: 14px;
  flex-wrap: wrap;
}
.utility-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  color: var(--ink-warm);
  letter-spacing: 0.01em;
}
.utility-pill .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--indigo);
  box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.18);
}
.utility-right {
  display: inline-flex;
  align-items: center;
  gap: 14px;
}
.utility-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  color: var(--ink-warm);
  font-weight: 500;
  padding: 4px 6px;
  border-radius: 6px;
  transition: color 0.12s, background 0.12s;
  font-size: 0.78rem;
}
.utility-link:hover { color: var(--indigo); background: #fff; }
.utility-link svg { display: block; }
.utility-phone {
  background: #15803D;
  color: #ffffff;
  padding: 6px 14px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.85rem;
}
.utility-phone:hover { background: #11603a; color: #ffffff; }
.utility-phone,
.utility-phone:hover,
.utility-phone svg,
.utility-phone svg path { color: #ffffff !important; fill: #ffffff !important; }
.utility-zalo .utility-icon-zalo {
  width: 18px;
  height: 18px;
  background: #0068FF;
  color: #fff;
  border-radius: 4px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.78rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
}
.utility-messenger { color: #0084FF; }
.utility-messenger:hover { color: #0064C6; background: #fff; }
.utility-divider {
  width: 1px;
  height: 16px;
  background: var(--rule);
}
.utility-lang {
  background: transparent;
  border: 1px solid var(--rule);
  padding: 4px 8px;
  border-radius: 6px;
  font-family: var(--font-sans);
  font-size: 0.74rem;
  cursor: pointer;
  color: var(--muted);
  display: inline-flex;
  align-items: center;
  gap: 3px;
  transition: border-color 0.12s, color 0.12s;
}
.utility-lang strong { color: var(--ink); font-weight: 700; }
.utility-lang:hover { border-color: var(--indigo); color: var(--indigo); }
.utility-login svg { color: var(--muted); }
.utility-login:hover svg { color: var(--indigo); }

@media (max-width: 720px) {
  .utility-link-text { display: none; }
  .utility-bar-inner { gap: 8px; }
  .utility-right { gap: 8px; }
  .utility-pill { font-size: 0.72rem; }
}

/* === Mega-menu grids (3-col / 4-col / 2-col) === */
.nav-item-panel.mega3,
.nav-item-panel.mega4,
.nav-item-panel.mega2 {
  width: auto;
  padding: 22px;
  min-width: 0;
  left: 50%;
  transform: translateX(-50%);
}
.nav-item-panel.mega3 { width: min(880px, calc(100vw - 32px)); }
.nav-item-panel.mega4 { width: min(1080px, calc(100vw - 32px)); }
.nav-item-panel.mega2 { width: min(640px, calc(100vw - 32px)); }

.mega3-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.mega4-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.mega2-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }

.mega-col h4 {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--muted);
  margin: 0 0 10px;
  padding: 0 8px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 8px;
}
.mega-col a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 7px 8px;
  border-radius: 7px;
  text-decoration: none;
  color: var(--ink);
  transition: background 0.12s;
  font-family: var(--font-sans);
}
.mega-col a:hover { background: var(--bg-deep); }
.mega-col a .ico {
  font-size: 0.95rem;
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-deep);
  border-radius: 6px;
  margin-top: 1px;
}
.mega-col a:hover .ico { background: rgba(34, 197, 94, 0.14); }
.mega-col a strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.86rem;
  color: var(--ink);
  letter-spacing: -0.005em;
  line-height: 1.25;
}
.mega-col a em {
  display: block;
  font-style: normal;
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: 1px;
  line-height: 1.3;
}
.mega-col a.see-all {
  font-weight: 600;
  color: var(--indigo);
  font-size: 0.82rem;
  padding: 8px;
  border-top: 1px dashed var(--line);
  margin-top: 4px;
  display: block;
}
.mega-col a.see-all:hover { background: transparent; color: var(--indigo-deep); }
.mega-col .mega-note {
  font-size: 0.78rem;
  color: var(--muted);
  font-style: italic;
  padding: 6px 8px 10px;
  display: block;
  border-bottom: 1px dashed var(--line);
  margin-bottom: 6px;
  line-height: 1.5;
}

/* Hướng Dẫn 4-col keeps the shared icon-badge pattern compact */
.nav-item-panel.mega4 .mega-col a { padding: 6px 8px; }
.nav-item-panel.mega4 .mega-col a strong { font-size: 0.85rem; }

/* Bundle CTA at the foot of the Bảo Hiểm mega menu */
.mega-bundle-cta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 16px;
  padding: 14px 18px;
  background: linear-gradient(120deg, rgba(34, 197, 94, 0.1), rgba(34, 197, 94, 0.04));
  border: 1px solid rgba(34, 197, 94, 0.3);
  border-radius: 12px;
  text-decoration: none;
  color: var(--ink);
  transition: background 0.15s, border-color 0.15s;
}
.mega-bundle-cta:hover {
  background: linear-gradient(120deg, rgba(34, 197, 94, 0.18), rgba(34, 197, 94, 0.08));
  border-color: var(--indigo);
}
.mega-bundle-cta .bundle-mark {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--indigo);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.mega-bundle-cta strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.mega-bundle-cta em {
  display: block;
  font-style: normal;
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 2px;
}
.mega-bundle-cta .bundle-arrow {
  margin-left: auto;
  color: var(--indigo);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.mega-see-all {
  display: block;
  text-align: center;
  margin-top: 10px;
  padding: 8px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--indigo);
  text-decoration: none;
  border-top: 1px dashed var(--line);
}
.mega-see-all:hover { color: var(--indigo-deep); }

.mega-glossary-cta {
  background: var(--bg-deep);
  border-radius: 10px;
  border: none;
  margin-top: 12px;
}
.mega-glossary-cta em {
  display: inline;
  font-style: normal;
  font-weight: 500;
  color: var(--muted);
  font-size: 0.78rem;
  margin-left: 6px;
}

/* Customer self-serve highlight item (Gửi declarations page) */
.nav-item-panel .nav-item-highlight {
  background: rgba(34, 197, 94, 0.06);
  border: 1px solid rgba(34, 197, 94, 0.2);
}
.nav-item-panel .nav-item-highlight:hover { background: rgba(34, 197, 94, 0.12); }
.badge-new {
  display: inline-block;
  background: var(--orange-deep);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 2px 6px;
  border-radius: 999px;
  margin-left: 6px;
  vertical-align: middle;
}

@media (max-width: 1100px) {
  .nav-item-panel.mega4 { width: min(680px, calc(100vw - 32px)); }
  .mega4-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 880px) {
  .nav-item-panel.mega3,
  .nav-item-panel.mega4,
  .nav-item-panel.mega2 {
    width: min(540px, calc(100vw - 32px));
  }
  .mega3-grid, .mega4-grid, .mega2-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }
}

@media (max-width: 880px) {
  .nav-bar { display: none; }
  /* Show a single Menu fallback on mobile, TODO: build hamburger version */
}

/* Legacy single-dropdown nav menu (kept for reference) */
.nav-dropdown-orig {
  position: relative;
  margin-left: auto;
  margin-right: 14px;
}
.nav-dropdown summary {
  list-style: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ink-warm);
  padding: 8px 14px;
  border-radius: 8px;
  border: 1px solid var(--line);
  background: #fff;
  transition: border-color 0.15s, color 0.15s;
}
.nav-dropdown summary::-webkit-details-marker { display: none; }
.nav-dropdown summary:hover { border-color: var(--indigo); color: var(--indigo); }
.nav-dropdown summary .caret {
  font-size: 0.85em;
  transition: transform 0.15s;
}
.nav-dropdown[open] summary {
  border-color: var(--indigo);
  color: var(--indigo);
}
.nav-dropdown[open] summary .caret { transform: rotate(-180deg); }

.nav-dropdown-panel {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 220px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: 0 16px 40px -12px rgba(15, 9, 110, 0.18), 0 4px 10px rgba(15, 9, 110, 0.06);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  z-index: 30;
  animation: nav-dd-in 0.14s ease-out;
}
@keyframes nav-dd-in {
  from { opacity: 0; transform: translateY(-4px); }
  to { opacity: 1; transform: translateY(0); }
}
.nav-dropdown-panel a {
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-warm);
  text-decoration: none;
  padding: 10px 14px;
  border-radius: 6px;
  transition: background 0.12s, color 0.12s;
}
.nav-dropdown-panel a:hover {
  background: var(--bg-deep);
  color: var(--indigo);
}
.nav-dropdown-divider {
  display: block;
  height: 1px;
  background: var(--line);
  margin: 4px 6px;
}

/* === Mega menu panel === */
.nav-mega .nav-mega-panel {
  position: absolute;
  top: calc(100% + 12px);
  right: 0;
  width: min(940px, calc(100vw - 32px));
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: 0 24px 60px -16px rgba(15, 9, 110, 0.22), 0 6px 16px rgba(15, 9, 110, 0.08);
  padding: 24px;
  z-index: 30;
  animation: nav-dd-in 0.16s ease-out;
}
.nav-mega-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 28px;
}
.nav-mega-col h4 {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--muted);
  margin: 0 0 12px;
  padding: 0 8px;
}
.nav-mega-col a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px;
  border-radius: 8px;
  text-decoration: none;
  color: var(--ink);
  transition: background 0.12s;
  font-family: var(--font-sans);
}
.nav-mega-col a:hover { background: var(--bg-deep); }
.nav-mega-col a .ico {
  font-size: 1.1rem;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-deep);
  border-radius: 7px;
  margin-top: 1px;
}
.nav-mega-col a:hover .ico { background: rgba(34, 197, 94, 0.12); }
.nav-mega-col a strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--ink);
  letter-spacing: -0.005em;
  line-height: 1.25;
}
.nav-mega-col a em {
  display: block;
  font-style: normal;
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 1px;
  line-height: 1.3;
}
.nav-mega-col a.see-all {
  font-family: var(--font-sans);
  font-weight: 600;
  color: var(--indigo);
  font-size: 0.85rem;
  padding: 10px 8px 6px;
  border-top: 1px dashed var(--line);
  margin-top: 4px;
}
.nav-mega-col a.see-all:hover { background: transparent; color: var(--indigo-deep); }

/* Feature column with phone CTA */
.nav-mega-feature .nav-mega-cta {
  background: linear-gradient(135deg, var(--indigo) 0%, var(--indigo-deep) 100%);
  color: #fff;
  text-decoration: none;
  border-radius: 10px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 8px;
  transition: transform 0.12s;
}
.nav-mega-feature .nav-mega-cta:hover {
  background: linear-gradient(135deg, var(--indigo-deep) 0%, #028C40 100%);
  transform: translateY(-1px);
}
.nav-mega-feature .nav-mega-cta .cta-label {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: rgba(255, 255, 255, 0.8);
}
.nav-mega-feature .nav-mega-cta strong {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.01em;
}
.nav-mega-feature .nav-mega-cta .cta-meta {
  font-family: var(--font-sans);
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.78);
  margin-top: 2px;
}
.nav-mega-col a.muted-link {
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 0.82rem;
  color: var(--muted);
  padding: 6px 8px;
}
.nav-mega-col a.muted-link:hover { color: var(--indigo); background: transparent; }

@media (max-width: 880px) {
  .nav-mega .nav-mega-panel {
    width: min(540px, calc(100vw - 32px));
    padding: 18px;
  }
  .nav-mega-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
  }
}
@media (max-width: 540px) {
  .nav-mega .nav-mega-panel {
    width: calc(100vw - 16px);
    right: 8px;
  }
  .nav-mega-grid {
    grid-template-columns: 1fr;
  }
}
.phone-link {
  background: var(--indigo-deep) !important;
  color: #fff !important;
  border: 1px solid var(--indigo-deep) !important;
  font-family: var(--font-display) !important;
  font-weight: 800 !important;
  font-size: 1rem !important;
  letter-spacing: 0.005em;
  border-radius: 10px !important;
  transition: all 0.15s;
  display: inline-flex !important;
  align-items: center !important;
  gap: 10px;
  padding: 0 18px !important;
}
.phone-link::before {
  content: "";
  display: inline-block;
  width: 18px;
  height: 18px;
  background-color: #ffffff;
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='currentColor'><path d='M6.62 10.79a15.05 15.05 0 0 0 6.59 6.59l2.2-2.2a1 1 0 0 1 1.02-.24c1.12.37 2.32.57 3.57.57a1 1 0 0 1 1 1V20a1 1 0 0 1-1 1A17 17 0 0 1 3 4a1 1 0 0 1 1-1h3.5a1 1 0 0 1 1 1c0 1.25.2 2.45.57 3.57a1 1 0 0 1-.25 1.02l-2.2 2.2z'/></svg>") no-repeat center / contain;
  mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='currentColor'><path d='M6.62 10.79a15.05 15.05 0 0 0 6.59 6.59l2.2-2.2a1 1 0 0 1 1.02-.24c1.12.37 2.32.57 3.57.57a1 1 0 0 1 1 1V20a1 1 0 0 1-1 1A17 17 0 0 1 3 4a1 1 0 0 1 1-1h3.5a1 1 0 0 1 1 1c0 1.25.2 2.45.57 3.57a1 1 0 0 1-.25 1.02l-2.2 2.2z'/></svg>") no-repeat center / contain;
}
.phone-link:hover { background: var(--indigo-deep) !important; border-color: var(--indigo-deep) !important; }

/* === Portal-style search hero (Naver architecture, burgundy/gold palette) === */
.naver-hero {
  background: #FFFFFF;
  padding: 64px 0 80px;
  border-bottom: 1px solid var(--line);
  overflow: hidden;
  position: relative;
}
.naver-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(900px 380px at 50% 0%, rgba(34, 197, 94, 0.06), transparent 70%),
    radial-gradient(600px 400px at 85% 100%, rgba(34, 197, 94, 0.04), transparent 70%);
  pointer-events: none;
}
.naver-hero-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 36px;
}

/* Split hero, left funnel + right quote-panel */
.naver-hero-split {
  display: grid !important;
  grid-template-columns: minmax(0, 2fr) minmax(0, 1fr);
  gap: 28px;
  align-items: center !important;
}
.naver-hero-left {
  display: flex;
  flex-direction: column;
  gap: 14px;
  width: 100%;
  align-items: stretch;
}
.hero-clarity {
  display: block;
  margin: 0 0 14px 0;
  padding: 0 4px;
  max-width: 720px;
}
.hero-clarity-eyebrow {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #15803D;
  margin: 0 0 6px 0;
}
.hero-clarity-title {
  font-size: clamp(1.5rem, 2.6vw, 2rem);
  font-weight: 800;
  line-height: 1.15;
  color: var(--color-brand-dark-green, #0a3d1f);
  margin: 0 0 6px 0;
  letter-spacing: -0.01em;
}
.hero-clarity-sub {
  font-size: clamp(0.86rem, 1.3vw, 0.95rem);
  line-height: 1.5;
  color: #475569;
  margin: 0;
  max-width: 560px;
}
.naver-hero-left .naver-search-wrap { align-items: stretch !important; max-width: none !important; }
.naver-hero-left .naver-shortcuts { justify-content: flex-start !important; }
.naver-hero-right { display: flex; flex-direction: column; align-items: stretch; }
.hero-entity-card {
  margin-top: 14px;
  padding: 16px 18px;
  background: #f1faf3;
  border: 1px solid #c9ead4;
  border-left: 4px solid #15803D;
  border-radius: 10px;
}
.hero-entity-card .hero-direct-answer {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.55;
  color: #143824;
}
.qp-brand { display: inline-flex; align-items: center; gap: 8px; }
.qp-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 6px;
  background: #f1faf3;
  border: 1px solid #c9ead4;
  font-size: 0.78rem;
  flex-shrink: 0;
}

/* Left card, matches the right quote panel; wraps shortcuts + ZIP + trust */
.hero-left-card {
  background: #fff;
  border: 3px solid var(--indigo);
  border-radius: 16px;
  padding: 14px;
  box-shadow: 0 12px 32px -10px rgba(34, 197, 94, 0.22), 0 2px 6px rgba(15, 23, 42, 0.04);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero-left-card-head {
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: -0.005em;
  padding: 4px 4px 8px;
  border-bottom: 1px solid var(--line);
}
.hero-left-card .naver-shortcuts {
  display: grid !important;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  margin: 0;
  padding: 0;
  gap: 10px !important;
  justify-items: stretch;
}
.hero-left-card .naver-shortcut {
  width: 100% !important;
  max-width: none;
  min-width: 0;
}
.hero-left-card .naver-shortcut-label {
  font-size: 0.82rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.hero-left-card .naver-shortcut { padding: 8px 8px; gap: 6px; }
.hero-left-card .naver-shortcut-circle { width: 22px; height: 22px; }
.hero-left-card .zip-wrap {
  margin: 0;
}

/* Stacked "Top quotes" panel, green frame, matches the search box on left */
.quote-panel {
  background: #fff;
  border: 3px solid var(--indigo);
  border-radius: 16px;
  padding: 14px;
  box-shadow: 0 12px 32px -10px rgba(34, 197, 94, 0.22), 0 2px 6px rgba(15, 23, 42, 0.04);
  font-family: var(--font-sans);
}
.quote-panel-head {
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: -0.005em;
  margin-bottom: 10px;
  padding: 4px 4px 8px;
  border-bottom: 1px solid var(--line);
}
.quote-panel-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.quote-panel-row {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 9px 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  transition: border-color 0.12s, transform 0.12s;
}
.quote-panel-row:hover { border-color: var(--indigo); transform: translateX(2px); }
.quote-panel-row .brand-mark {
  font-size: 0.95rem !important;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.quote-panel-row .brand-mark::before { font-size: 0.85em !important; }
.quote-panel-price {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--ink);
  letter-spacing: -0.01em;
  flex-shrink: 0;
}
.quote-panel-price small {
  font-weight: 600;
  font-size: 0.7rem;
  color: var(--muted);
  margin-left: 1px;
}
.quote-panel-note {
  color: var(--muted-light);
  font-size: 0.72rem;
  margin: 10px 4px 0;
  font-style: italic;
}

/* Bristol West circle B mark */
.brand-bristol {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.88rem !important;
  color: #003B7E;
  letter-spacing: 0.02em;
}
.bristol-mark {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #003B7E;
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.72rem;
  margin-right: 4px;
}

@media (max-width: 880px) {
  .naver-hero-split {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }
  .naver-hero-right { order: 2; }
  .quote-panel-list { gap: 5px; }
}

.naver-search-wrap {
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}
.naver-search {
  display: flex;
  align-items: center;
  width: 100%;
  height: 64px;
  background: #fff;
  border: 3px solid var(--indigo);
  border-radius: 16px;
  padding: 0 8px 0 18px;
  box-shadow: 0 12px 36px -8px rgba(34, 197, 94, 0.22), 0 2px 6px rgba(15, 23, 42, 0.04);
  transition: box-shadow 0.18s, border-color 0.18s;
}
.naver-search:focus-within {
  box-shadow: 0 18px 48px -8px rgba(34, 197, 94, 0.32), 0 3px 8px rgba(15, 23, 42, 0.06);
}
.naver-search-mark {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--indigo);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.25rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-right: 12px;
  flex-shrink: 0;
  letter-spacing: -0.04em;
}
.naver-search-input {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.15rem;
  color: var(--ink);
  height: 100%;
  padding: 0;
  letter-spacing: -0.005em;
}
.naver-search-input::placeholder { color: var(--muted-light); }
.naver-search-btn {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--orange);
  color: #fff;
  border: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.12s, transform 0.05s;
  box-shadow: 0 4px 10px -2px rgba(34, 197, 94, 0.45);
}
.naver-search-btn:hover { background: var(--orange-deep); }
.naver-search-btn:active { transform: translateY(1px); }
.naver-search-hint {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--muted);
  margin: 0;
  text-align: center;
}
.naver-search-hint em {
  font-style: italic;
  color: var(--ink-warm);
}

/* === ZIP + Compare component (Insurify-class) === */
.zip-wrap {
  width: 100%;
  max-width: 640px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 4px;
}
.zip-compare {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 6px;
  padding: 3px;
  background: #fff;
  border: 1px solid var(--rule);
  border-radius: 8px;
  box-shadow: 0 8px 26px -10px rgba(15, 23, 42, 0.12);
  align-items: stretch;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.zip-compare:focus-within {
  border-color: var(--indigo);
  box-shadow: 0 12px 30px -10px rgba(34, 197, 94, 0.28);
}
.zip-field {
  display: flex;
  flex-direction: row;
  align-items: baseline;
  gap: 10px;
  padding: 0 12px;
  cursor: text;
}
.zip-field-label {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: 0.005em;
  white-space: nowrap;
  flex-shrink: 0;
}
.zip-field-input {
  border: none;
  outline: none;
  background: transparent;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--ink);
  letter-spacing: 0.06em;
  padding: 0;
  width: 100%;
  min-height: 36px;
  line-height: 1;
}
.zip-field-input::placeholder { color: var(--muted-light); font-weight: 600; }
.zip-button {
  background: var(--accent-dark);
  color: #fff;
  border: none;
  padding: 0 18px;
  border-radius: 6px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.15s, transform 0.05s;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 38px;
  white-space: nowrap;
}
.zip-button:hover { background: var(--accent-dark); }
.zip-button:active { transform: translateY(1px); }
.zip-button .arrow { font-size: 1.2em; font-weight: 600; }

.zip-trust {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--ink-warm);
  flex-wrap: wrap;
}
.zip-trust-label {
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.zip-trust-stars {
  display: inline-flex;
  align-items: center;
  gap: 2px;
}
.zip-trust-stars .star {
  width: 22px;
  height: 22px;
  background: #00B67A;
  color: #fff;
  border-radius: 3px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  line-height: 1;
}
.zip-trust-stars .star.half {
  background: linear-gradient(90deg, #00B67A 50%, #DCDCDC 50%);
}
.zip-trust-name {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--muted);
  font-weight: 500;
}
.zip-trust-name .tp-mark { color: #00B67A; font-weight: 700; }

.zip-recovery {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  color: var(--muted);
  margin: 0;
}
.zip-recovery a {
  color: var(--ink);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--rule);
  transition: text-decoration-color 0.15s;
}
.zip-recovery a:hover { text-decoration-color: var(--ink); }

@media (max-width: 540px) {
  .zip-compare { grid-template-columns: minmax(0, 1fr) 52px; }
  .zip-button {
    justify-content: center;
    min-height: 46px;
    padding: 0;
    width: 52px;
    font-size: 0;
  }
  .zip-button .arrow { display: none; }
  .zip-button::after {
    content: "";
    width: 10px;
    height: 10px;
    border-right: 2px solid currentColor;
    border-top: 2px solid currentColor;
    transform: rotate(45deg);
  }
}

.naver-cta-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  padding: 12px 22px;
  background: var(--orange);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.98rem;
  text-decoration: none;
  border-radius: 999px;
  letter-spacing: 0.005em;
  box-shadow: 0 8px 22px -6px rgba(34, 197, 94, 0.5);
  transition: background 0.12s, transform 0.08s;
}
.naver-cta-pill:hover { background: var(--orange-deep); transform: translateY(-1px); }
.naver-cta-pill:active { transform: translateY(0); }

/* Circle shortcuts row, Naver verticals pattern */
.naver-shortcuts {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 10px;
  width: 100%;
}
.naver-shortcut {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 8px;
  padding: 10px 10px;
  background: #ffffff;
  border: 1.5px solid #15803D;
  border-radius: 10px;
  text-decoration: none !important;
  color: #15803D;
  font-family: var(--font-sans);
  font-weight: 700;
  transition: background 0.15s, color 0.15s, transform 0.12s, box-shadow 0.15s;
  cursor: pointer;
  box-shadow: 0 1px 2px rgba(21, 128, 61, 0.08);
  min-width: 44px;
  min-height: 44px;
}
.naver-shortcut:hover {
  background: #15803D;
  color: #ffffff !important;
  transform: translateY(-1px);
  box-shadow: 0 6px 16px -4px rgba(21, 128, 61, 0.4);
}
.naver-shortcut:hover .naver-shortcut-label { color: #ffffff !important; }
.naver-shortcut-circle {
  width: 26px;
  height: 26px;
  border-radius: 6px;
  background: #F2F7F3;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.15s;
}
.naver-shortcut:hover .naver-shortcut-circle { background: rgba(255, 255, 255, 0.18); }
.naver-shortcut-icon {
  font-size: 1rem;
  line-height: 1;
}
.naver-shortcut-label {
  font-size: 0.95rem;
  font-weight: 700;
  text-align: left;
  color: #15803D;
  letter-spacing: -0.01em;
  line-height: 1.15;
  flex: 1;
  min-width: 0;
}
/* Tonal variants no longer used; kept as no-ops to avoid CSS regressions elsewhere */
.naver-shortcut.tone-green,
.naver-shortcut.tone-amber,
.naver-shortcut.tone-blue,
.naver-shortcut.tone-violet,
.naver-shortcut.tone-rose,
.naver-shortcut.tone-teal { /* intentionally unstyled — base .naver-shortcut covers all */ }
.naver-shortcut.tone-orange .naver-shortcut-circle { background: linear-gradient(135deg, #FFE7D5, #FFFFFF); }
.naver-shortcut.tone-pink  .naver-shortcut-circle { background: linear-gradient(135deg, #FCE4F1, #FFFFFF); }
.naver-shortcut.tone-red   .naver-shortcut-circle { background: linear-gradient(135deg, #FEE2E2, #FFFFFF); }
.naver-shortcut.tone-ink   .naver-shortcut-circle { background: linear-gradient(135deg, var(--indigo), var(--indigo-deep)); border-color: var(--indigo-deep); }
.naver-shortcut.tone-ink .naver-shortcut-icon { filter: grayscale(0.2); }

/* Popular searches row */
.naver-quick-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--muted);
  margin-top: 4px;
}
.naver-quick-label {
  font-weight: 600;
  margin-right: 4px;
  color: var(--ink-warm);
}
.naver-quick-pill {
  display: inline-flex;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 12px;
  text-decoration: none;
  color: var(--ink-warm);
  font-weight: 500;
  font-size: 0.8rem;
  transition: border-color 0.12s, color 0.12s, background 0.12s;
}
.naver-quick-pill:hover {
  border-color: var(--indigo);
  color: var(--indigo);
  background: rgba(34, 197, 94, 0.06);
}

/* Hide the old qw-hero overrides cleanly on this page */
.qw-hero, .qw-carriers-strip { display: none; }

@media (max-width: 720px) {
  .naver-hero { padding: 36px 0 56px; }
  .hero-clarity-title { font-size: 1.35rem; }
  .hero-clarity-sub { font-size: 0.85rem; }
  .hero-clarity-eyebrow { font-size: 0.68rem; }
  .naver-search { height: 56px; padding-left: 14px; }
  .naver-search-mark { width: 32px; height: 32px; font-size: 1.1rem; margin-right: 10px; }
  .naver-search-input { font-size: 1rem; }
  .naver-hero-right { display: none !important; }
  .zip-field-label { display: none; }
  .zip-recovery { display: none; }
  .naver-shortcuts {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }
  .naver-shortcut { width: auto; padding: 10px 12px; }
  .naver-shortcut-circle { width: 26px; height: 26px; }
  .naver-shortcut-icon { font-size: 1rem; }
  .naver-shortcut-label { font-size: 0.9rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
}

/* === HERO, white with subtle green hint (legacy QuoteWizard variant, kept for fallback) === */
.qw-hero {
  position: relative;
  background:
    radial-gradient(900px 500px at 90% 0%, rgba(34, 197, 94, 0.08), transparent 70%),
    radial-gradient(700px 500px at -10% 100%, rgba(34, 197, 94, 0.05), transparent 70%),
    linear-gradient(180deg, #FFFFFF 0%, #F8FCF9 100%);
  color: var(--ink);
  overflow: hidden;
  padding: 56px 0 0;
  border-bottom: 1px solid var(--line);
}
.qw-hero-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr);
  gap: 48px;
  align-items: end;
  position: relative;
  z-index: 1;
  padding-bottom: 64px;
}
.qw-hero-left { padding-bottom: 8px; }
.qw-eyebrow { display: none; }

.qw-h1 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(22px, 2.4vw, 30px);
  line-height: 1.18;
  letter-spacing: -0.018em;
  color: var(--ink);
  margin: 0 0 12px;
  max-width: 480px;
}
.qw-h1 .accent { color: var(--indigo); }
.qw-h1 .accent::after { display: none; }

.qw-sub {
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.55;
  color: var(--muted);
  max-width: 460px;
  margin: 0 0 24px;
}

.qw-product-label { display: none; }
.qw-products {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 8px;
  max-width: 540px;
  margin-bottom: 14px;
}
.qw-product {
  background: #fff;
  color: var(--ink);
  border-radius: 10px;
  padding: 14px 6px 12px;
  text-align: center;
  text-decoration: none;
  border: 1px solid var(--line);
  transition: all 0.15s ease;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  font-family: var(--font-display);
  min-height: 76px;
  justify-content: center;
  box-shadow: 0 1px 2px rgba(15, 9, 110, 0.04);
}
.qw-product:hover {
  background: #fff;
  border-color: var(--indigo);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px -8px rgba(48, 35, 217, 0.25);
}
.qw-product .qw-product-icon { font-size: 1.35rem; line-height: 1; }
.qw-product .qw-product-name {
  font-weight: 600;
  font-size: 0.78rem;
  line-height: 1.15;
  color: var(--ink);
}
.qw-product .qw-product-meta { display: none; }

/* ZIP form row */
.qw-zip-form {
  display: flex;
  align-items: stretch;
  background: #fff;
  border-radius: 10px;
  padding: 6px;
  max-width: 540px;
  box-shadow: 0 12px 32px -10px rgba(15, 9, 110, 0.4);
  margin-bottom: 14px;
}
.qw-zip-input {
  border: none;
  outline: none;
  background: transparent;
  flex: 1;
  height: 50px;
  padding: 0 18px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
  color: var(--ink);
  letter-spacing: 0.04em;
}
.qw-zip-input::placeholder { color: var(--muted-light); font-weight: 500; }
.qw-zip-button {
  background: var(--orange);
  color: #fff;
  border: none;
  height: 50px;
  padding: 0 26px;
  border-radius: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  cursor: pointer;
  transition: background 0.15s, transform 0.05s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.qw-zip-button:hover { background: var(--orange-deep); }
.qw-zip-button:active { transform: translateY(1px); }

/* Trustpilot-style rating + recovery line */
.qw-trust-row {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--muted);
  margin-bottom: 18px;
}
.qw-trust-row .stars-marks {
  display: inline-flex;
  background: var(--green-tp);
  color: #fff;
  padding: 3px 6px;
  border-radius: 3px;
  letter-spacing: 0.1em;
  font-size: 0.78rem;
  font-weight: 700;
}
.qw-trust-row .tp-mark {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: var(--ink-warm);
  font-weight: 600;
}
.qw-trust-row .tp-mark::before { content: "★"; color: var(--green-tp); }

.qw-phone-row {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  color: var(--muted);
  border-top: none;
  padding-top: 0;
  max-width: 540px;
}
.qw-phone-row .label {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  text-transform: none;
  letter-spacing: 0;
  color: var(--muted);
  font-weight: 500;
}
.qw-phone-link {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--indigo);
  text-decoration: underline;
  text-decoration-color: rgba(48, 35, 217, 0.4);
  text-underline-offset: 4px;
  transition: text-decoration-color 0.15s;
}
.qw-phone-link:hover { text-decoration-color: var(--indigo); }
.qw-phone-meta { font-size: 0.85rem; color: var(--muted-light); }

/* RIGHT side, photo of Kevin + floating phone-mockup quote card */
.qw-portrait {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: end;
  align-self: end;
  min-height: 460px;
  height: 100%;
}
.qw-portrait-circle { display: none; }
.qw-portrait-photo {
  position: relative;
  z-index: 2;
  width: 380px;
  height: 460px;
  border-radius: 24px 24px 0 0;
  overflow: hidden;
  background: linear-gradient(180deg, #DCFCE7 0%, #BBF7D0 100%);
  border: none;
  box-shadow: 0 30px 60px -20px rgba(34, 197, 94, 0.22);
  align-self: end;
  margin-bottom: -64px;
}
.qw-portrait-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}

/* The KILLER MOVE, phone-mockup card with example quotes */
.qw-quote-card {
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  z-index: 4;
  width: 220px;
  background: #fff;
  border-radius: 18px;
  padding: 16px 14px 14px;
  box-shadow: 0 20px 50px -12px rgba(0, 0, 0, 0.45), 0 4px 12px rgba(0, 0, 0, 0.15);
  font-family: var(--font-sans);
}
.qw-quote-card-header {
  display: flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 10px;
}
.qw-quote-card-logo {
  width: 26px;
  height: 26px;
  border-radius: 6px;
  background: var(--indigo);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 800;
  font-family: var(--font-display);
}
.qw-quote-card-title {
  font-family: var(--font-display);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.005em;
  line-height: 1.2;
}
.qw-quote-card-title small {
  display: block;
  font-weight: 500;
  color: var(--muted);
  font-size: 0.66rem;
  margin-top: 1px;
}
.qw-quote-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 8px 0;
}
.qw-quote-row + .qw-quote-row { border-top: 1px dashed var(--line); }
.qw-quote-carrier {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.78rem;
  color: var(--ink);
}
.qw-quote-carrier-mark {
  width: 22px;
  height: 22px;
  border-radius: 4px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  font-weight: 800;
  color: #fff;
  font-family: var(--font-display);
  flex-shrink: 0;
}
.qw-quote-price {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.qw-quote-price small {
  font-weight: 600;
  font-size: 0.7rem;
  color: var(--muted);
}

.qw-trust-strip { display: none; }
.qw-portrait-badge, .qw-portrait-identity { display: none; }

/* Carrier strip on white below hero, brand-styled wordmarks */
.qw-carriers-strip {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 28px 0 18px;
}
.qw-carriers-strip-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 32px 48px;
  flex-wrap: wrap;
}
.qw-carriers-disclosure {
  width: min(100% - 32px, 1180px);
  margin: 14px auto 0;
  text-align: center;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  color: var(--muted-light);
  letter-spacing: 0.01em;
}
.qw-carriers-disclosure strong { color: var(--muted); font-weight: 600; }

.brand-mark {
  display: inline-flex;
  align-items: baseline;
  gap: 2px;
  font-style: normal;
  letter-spacing: -0.02em;
  filter: grayscale(0%);
  opacity: 0.95;
  transition: opacity 0.2s, transform 0.2s;
  white-space: nowrap;
}
.brand-mark:hover { transform: translateY(-1px); }
.brand-mark sup {
  font-size: 0.55em;
  margin-left: 2px;
  font-weight: 500;
  vertical-align: super;
  line-height: 0;
}

/* Mercury, red, bold serif, "M" emphasized */
.brand-mercury {
  font-family: "Georgia", "Times New Roman", serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: #C8102E;
  letter-spacing: 0;
}
.brand-mercury .mark { color: #C8102E; }

/* Progressive, italic blue (darker for AA contrast on white) */
.brand-progressive {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  font-style: italic;
  color: #0058A3;
  letter-spacing: -0.03em;
  text-transform: uppercase;
}

/* Travelers, red bold sans + umbrella mark */
.brand-travelers {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.4rem;
  color: #BC1F2C;
  letter-spacing: -0.01em;
}
.brand-travelers::before {
  content: "☂";
  margin-right: 4px;
  font-size: 1.1em;
  transform: rotate(-15deg);
  display: inline-block;
}

/* Allstate, italic blue, hands gesture */
.brand-allstate {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  font-style: italic;
  color: #003BB7;
  letter-spacing: -0.02em;
}
.brand-allstate::before {
  content: "🤲";
  margin-right: 4px;
  font-size: 1em;
  font-style: normal;
}

/* Kemper, bold blue */
.brand-kemper {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.4rem;
  color: #00529B;
  letter-spacing: 0.01em;
  text-transform: uppercase;
}

/* Safeco, bold red sans (Liberty Mutual subsidiary) */
.brand-safeco {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.4rem;
  color: #E4002B;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

/* Aspire General, navy + red, CA non-standard specialist */
.brand-aspire {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  color: #0E2A47;
  letter-spacing: -0.005em;
}
.brand-aspire::before {
  content: "▲";
  margin-right: 4px;
  color: #C8102E;
  font-size: 0.85em;
  display: inline-block;
}

.qw-carriers-strip .more-mark {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.85rem;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding-left: 12px;
  border-left: 1px solid var(--line);
}

@media (max-width: 960px) {
  .qw-hero { padding: 32px 0 0; }
  .qw-hero-inner { grid-template-columns: 1fr; gap: 40px; padding-bottom: 0; }
  .qw-portrait { min-height: 340px; order: 2; }
  .qw-portrait-photo { width: 280px; height: 340px; margin-bottom: 0; border-radius: 24px; }
  .qw-quote-card { right: -8px; width: 190px; padding: 12px 10px; }
  .qw-products { grid-template-columns: repeat(3, 1fr); }
  .qw-product { min-height: 70px; }
  .qw-carriers-strip-inner { gap: 18px; }
}
@media (max-width: 540px) {
  .qw-products { grid-template-columns: repeat(2, 1fr); }
  .qw-zip-form { flex-direction: column; padding: 8px; gap: 6px; }
  .qw-zip-input { height: 48px; padding: 0 14px; }
  .qw-zip-button { width: 100%; height: 48px; }
  .qw-quote-card { display: none; }
}

/* === SECTIONS BELOW HERO === */
.v3-section {
  padding: 80px 0;
  position: relative;
}
.v3-section--soft { background: var(--bg-deep); }
.v3-section--ink { background: var(--ink); color: var(--bg-soft); }
.v3-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
}
.v3-kicker {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--indigo-deep);
  margin: 0 0 14px;
}
.v3-section--ink .v3-kicker { color: #4ade80; }
.v3-section--ink .v3-closing-meta { color: rgba(255, 255, 255, 0.78); }
.v3-h2 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(32px, 4vw, 48px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 18px;
  max-width: 820px;
}
.v3-h2 .accent { color: var(--orange-deep); }
.v3-section--ink .v3-h2 { color: #fff; }
.v3-section--ink .v3-h2 .accent { color: #4ade80; }
.v3-lede {
  font-family: var(--font-sans);
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--muted);
  max-width: none;
  margin: 0 0 48px;
  text-wrap: balance;
}
.v3-section--ink .v3-lede { color: rgba(255, 255, 255, 0.78); }

/* 3-step cards */
.v3-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
}
@media (max-width: 720px) {
  .v3-steps { grid-template-columns: 1fr; }
  .v3-step { padding: 18px 16px !important; }
  .sf-guides-grid { grid-template-columns: 1fr !important; }
  .v3-states { grid-template-columns: 1fr !important; }
  .v3-reasons { grid-template-columns: 1fr !important; }
  .sf-learn-cards { grid-template-columns: 1fr !important; }
  .footer-cols { grid-template-columns: 1fr 1fr !important; }
  .footer-grid {
    grid-template-columns: 1fr 1fr !important;
    gap: 18px !important;
  }
  .footer-col h3 { font-size: 0.9rem !important; margin-bottom: 6px !important; }
  .footer-col a { font-size: 0.82rem !important; padding: 4px 0 !important; }
  .footer-col h3.footer-h4-spaced { margin-top: 14px !important; }
  .utility-bar { font-size: 0.7rem !important; }
  .utility-link.utility-login .utility-link-text { display: none; }
  .utility-phone { padding: 6px 10px !important; font-size: 0.78rem !important; }
}
.v3-step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 32px 28px;
  position: relative;
  transition: transform 0.18s, box-shadow 0.18s;
}
.v3-step:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px -12px rgba(11, 31, 56, 0.18);
}
.v3-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--indigo-deep);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.v3-step h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  letter-spacing: -0.01em;
  margin: 0 0 10px;
  color: var(--ink);
}
.v3-step p {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--muted);
  margin: 0;
}
@media (max-width: 720px) {
  .v3-steps { grid-template-columns: 1fr; }
}

/* Why us, 4-column reasons grid */
.v3-reasons {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 6px;
  margin-top: 32px;
}
.v3-reason {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px 22px;
}
.v3-reason-icon {
  font-size: 1.6rem;
  display: block;
  margin-bottom: 14px;
}
.v3-reason h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink);
  margin: 0 0 8px;
  letter-spacing: -0.005em;
}
.v3-reason p {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0;
}
@media (max-width: 880px) {
  .v3-reasons { grid-template-columns: repeat(2, 1fr); }
}

/* Carriers row */
.v3-carriers {
  display: block;
  padding: 24px 0;
  margin-top: 24px;
  border-top: 1px solid #d6ead9;
  border-bottom: 1px solid #d6ead9;
  overflow: hidden;
}
.v3-carriers::-webkit-scrollbar { display: none; }
.v3-carriers .brand-mark {
  background: #ffffff;
  padding: 10px 14px;
  border-radius: 10px;
  flex-shrink: 0;
  box-shadow: 0 1px 2px rgba(15, 31, 23, 0.06), 0 0 0 1px rgba(15, 31, 23, 0.06);
  transition: transform 0.15s, box-shadow 0.15s;
}
.v3-carriers .brand-mark:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(15, 31, 23, 0.12), 0 0 0 1px rgba(34, 160, 74, 0.35);
}
.v3-carrier {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--ink-warm);
  letter-spacing: -0.01em;
  opacity: 1;
  transition: color 0.2s;
}
.v3-carrier:hover { opacity: 1; color: var(--ink); }
.v3-carriers-note {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--muted);
  text-align: center;
  margin-top: 18px;
  font-style: italic;
}

/* State navigation panel */
.v3-states {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
  margin-top: 36px;
}
.v3-state {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 28px 26px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: all 0.18s ease;
  position: relative;
}
.v3-state::after {
  content: "→";
  position: absolute;
  top: 24px;
  right: 24px;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--orange-deep);
  opacity: 0;
  transform: translateX(-8px);
  transition: opacity 0.2s, transform 0.2s;
  font-size: 1.3rem;
}
.v3-state:hover {
  border-color: var(--orange-deep);
  transform: translateY(-2px);
  box-shadow: 0 16px 36px -12px rgba(11, 31, 56, 0.15);
}
.v3-state:hover::after { opacity: 1; transform: translateX(0); }
.v3-state-code {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--orange-deep);
}
.v3-state-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--ink);
  letter-spacing: -0.015em;
}
.v3-state-meta {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.5;
}
@media (max-width: 720px) {
  .v3-states { grid-template-columns: 1fr; }
}

/* FAQ accordion-style stack */
.v3-faq {
  margin-top: 36px;
  display: grid;
  gap: 12px;
}
.v3-faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0;
  overflow: hidden;
  transition: border-color 0.2s;
}
.v3-faq details[open] { border-color: var(--orange-deep); }
.v3-faq summary {
  list-style: none;
  cursor: pointer;
  padding: 12px 18px;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--ink);
  letter-spacing: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.v3-faq summary::-webkit-details-marker { display: none; }
.v3-faq summary::after {
  content: "+";
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 1.6rem;
  color: var(--orange-deep);
  transition: transform 0.2s;
  flex-shrink: 0;
}
.v3-faq details[open] summary::after { transform: rotate(45deg); }
.v3-faq .faq-body {
  padding: 0 18px 14px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--muted);
}

/* Closing CTA on dark */
.v3-closing {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  align-items: center;
}
.v3-closing-phone {
  display: block;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(40px, 5.6vw, 64px);
  letter-spacing: -0.02em;
  color: var(--indigo);
  text-decoration: none;
  margin-top: 8px;
  transition: color 0.15s;
}
.v3-closing-phone:hover { color: var(--accent-dark); }
.v3-closing-meta {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--muted);
}
.v3-closing-meta strong {
  display: block;
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 700;
  margin-bottom: 6px;
  font-size: 1.05rem;
}
@media (max-width: 880px) {
  .v3-closing { grid-template-columns: 1fr; gap: 24px; }
}

/* === SmartFinancial-style sections === */

/* Slim carrier strip directly below hero */
.sf-carriers {
  background: linear-gradient(180deg, #f6fbf7 0%, #ffffff 100%);
  border-top: 1px solid #d6ead9;
  border-bottom: 1px solid #d6ead9;
  padding: 32px 0;
  overflow-x: hidden;
}
.sf-carriers-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 14px;
}
.sf-carriers-label {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: #15803D;
  margin: 0;
  text-align: left;
}
.sf-carriers-row,
.v3-carriers {
  width: 100%;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent 0, #000 40px, #000 calc(100% - 40px), transparent 100%);
}
.sf-carriers-row .marquee-track,
.v3-carriers .marquee-track {
  display: flex;
  flex-wrap: nowrap;
  align-items: center;
  gap: 10px;
  width: max-content;
  animation: marquee-left 30s linear infinite;
}
.sf-carriers-row:hover .marquee-track,
.v3-carriers:hover .marquee-track { animation-play-state: paused; }
.sf-carriers-row .marquee-track > *,
.v3-carriers .marquee-track > * { flex-shrink: 0; }
@keyframes marquee-left {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.sf-carriers-row .brand-mark {
  filter: none;
  opacity: 1;
  background: #ffffff;
  padding: 10px 14px;
  border-radius: 10px;
  flex-shrink: 0;
  box-shadow: 0 1px 2px rgba(15, 31, 23, 0.06), 0 0 0 1px rgba(15, 31, 23, 0.06);
  transition: transform 0.15s, box-shadow 0.15s;
}
.sf-carriers-row .brand-mark:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(15, 31, 23, 0.12), 0 0 0 1px rgba(34, 160, 74, 0.35);
}

/* Recent Guides, tabbed grid */
.sf-guides-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 32px 0 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.sf-guides-tab {
  font-family: var(--font-sans);
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--muted);
  padding: 8px 16px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #fff;
  cursor: pointer;
  user-select: none;
  text-decoration: none;
  transition: all 0.15s;
}
.sf-guides-tab:hover {
  color: #15803D;
  border-color: #15803D;
  background: #f1faf3;
}
.sf-guides-tab.is-active {
  background: #15803D;
  color: #fff;
  border-color: #15803D;
}
.sf-guides-tab.is-active:hover {
  background: #11603a;
  border-color: #11603a;
  color: #fff;
}
.sf-guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
}
.sf-guide-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 16px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
}
.sf-guide-card:hover {
  border-color: var(--indigo);
  transform: translateY(-2px);
  box-shadow: 0 14px 32px -10px rgba(34, 197, 94, 0.18);
}
.sf-guide-tag {
  display: inline-block;
  align-self: flex-start;
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: #14532D;
  background: #ECFCEA;
  padding: 4px 10px;
  border-radius: 6px;
}
.sf-guide-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  line-height: 1.3;
  letter-spacing: -0.01em;
  margin: 0;
  color: var(--ink);
}
.sf-guide-card p {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0;
}
.sf-guide-meta {
  font-family: var(--font-sans);
  font-size: 0.74rem;
  color: var(--muted);
  margin-top: auto;
  padding-top: 6px;
  border-top: 1px dashed var(--line);
}
.sf-guides-more {
  margin-top: 28px;
  text-align: center;
}
.sf-guides-more-link {
  display: inline-block;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--indigo-deep);
  text-decoration: none;
  padding: 10px 20px;
  border-radius: 999px;
  border: 1px solid var(--indigo-deep);
  transition: background 0.15s, color 0.15s;
}
.sf-guides-more-link:hover { background: var(--indigo-deep); color: #fff; }
@media (max-width: 880px) { .sf-guides-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .sf-guides-grid { grid-template-columns: 1fr; } }

/* Learn More + FAQ split */
.sf-learn-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
  gap: 14px;
  margin-top: 32px;
}
.sf-learn-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
}
.sf-learn-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 22px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all 0.15s;
}
.sf-learn-card:hover {
  border-color: var(--indigo);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px -10px rgba(34, 197, 94, 0.15);
}
.sf-learn-tag {
  display: inline-block;
  align-self: flex-start;
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: #14532D;
  background: #ECFCEA;
  padding: 4px 10px;
  border-radius: 6px;
}
.sf-learn-card h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  line-height: 1.25;
  margin: 0;
  color: var(--ink);
}
.sf-learn-card p {
  font-family: var(--font-sans);
  font-size: 0.9rem;
  line-height: 1.55;
  color: var(--muted);
  margin: 0;
}

.sf-learn-faq {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px;
  height: fit-content;
}
.sf-learn-faq h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: -0.01em;
  margin: 0 0 14px;
  color: var(--ink);
}
.sf-learn-faq details {
  border-top: 1px solid var(--line);
  padding: 12px 0;
}
.sf-learn-faq details:last-child { border-bottom: 1px solid var(--line); }
.sf-learn-faq summary {
  list-style: none;
  cursor: pointer;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.sf-learn-faq summary::-webkit-details-marker { display: none; }
.sf-learn-faq summary::after {
  content: "+";
  color: var(--indigo);
  font-weight: 700;
  font-size: 1.2rem;
  transition: transform 0.15s;
  flex-shrink: 0;
}
.sf-learn-faq details[open] summary::after { transform: rotate(45deg); }
.sf-learn-faq details p {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  line-height: 1.6;
  color: var(--muted);
  margin: 8px 0 0;
}

@media (max-width: 880px) {
  .sf-learn-grid { grid-template-columns: 1fr; }
  .sf-learn-cards { grid-template-columns: 1fr; }
}

/* === Naver-style icon bar (between header and hero) === */
.icon-bar {
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.icon-bar-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 48px;
}
.icon-bar-left,
.icon-bar-right {
  display: flex;
  align-items: center;
  gap: 4px;
}
.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: none;
  background: transparent;
  color: var(--ink-warm);
  cursor: pointer;
  transition: background 0.12s, color 0.12s;
  text-decoration: none;
}
.icon-btn:hover { background: var(--bg-deep); color: var(--indigo); }
.icon-btn-phone {
  background: var(--indigo);
  color: #ffffff;
}
.icon-btn-phone:hover { background: #11663a; color: #ffffff; }

@media (max-width: 720px) {
  .icon-bar { background: var(--indigo); border-bottom-color: #11663a; }
  .icon-bar .icon-btn {
    color: #ffffff !important;
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
  }
  .icon-bar .icon-btn svg { color: #ffffff !important; fill: currentColor; stroke: currentColor; }
  .icon-bar .icon-btn:hover { background: rgba(255,255,255,0.15); color: #ffffff !important; }
  .icon-bar .icon-btn-phone { background: rgba(255,255,255,0.18); }
  .icon-bar .icon-btn-phone:hover { background: rgba(255,255,255,0.28); }
  .icon-bar .icon-badge { border-color: #ffffff; color: #ffffff; }
  .icon-bar .icon-badge:hover { border-color: #ffffff; color: #ffffff; background: rgba(255,255,255,0.15); }
}
.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1.5px solid var(--ink);
  text-decoration: none;
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.85rem;
  letter-spacing: -0.04em;
  margin-left: 2px;
  transition: border-color 0.12s, color 0.12s;
}
.icon-badge:hover { border-color: var(--indigo); color: var(--indigo); }

/* === COMPACT, reduce vertical padding so users see more above-fold === */
.v3-section { padding: 36px 0 !important; }
.naver-hero { padding: 28px 0 36px !important; }
.naver-hero-inner { gap: 20px !important; }
.sf-carriers { padding: 18px 0 !important; }
.sf-guides-tabs { margin: 18px 0 14px !important; }
.editorial-section { padding: 36px 0 !important; }
.v3-h2 { font-size: clamp(28px, 3vw, 36px) !important; }
.v3-lede { margin-bottom: 24px !important; }
.naver-hero-inner { gap: 18px !important; }
.naver-search-wrap { gap: 8px !important; }
.naver-shortcuts { margin-top: 4px; }
.zip-wrap { margin-top: 8px !important; }
.v3-steps { margin-top: 20px !important; }
.v3-reasons { margin-top: 16px !important; }
.v3-states { margin-top: 16px !important; }
.v3-faq { margin-top: 18px !important; }
.v3-carriers { padding: 20px 0 !important; margin-top: 16px !important; }
.sf-learn-grid { margin-top: 20px !important; }
.footer { padding: 32px 0 20px !important; }

.sf-carriers,
.v3-section,
.repeat-zip-cta {
  content-visibility: auto;
  contain-intrinsic-size: 520px;
}

/* === MOBILE, horizontal-scroll strips === */
@media (max-width: 720px) {
  /* Vertical stacks on mobile (no horizontal carousels) */
  .v3-steps,
  .v3-reasons,
  .v3-states,
  .sf-guides-grid,
  .sf-learn-cards {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 10px !important;
    overflow: visible !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    padding: 0 !important;
    mask-image: none !important;
  }
  .v3-step,
  .v3-reason,
  .v3-state,
  .sf-guide-card,
  .sf-learn-card {
    flex: initial !important;
    max-width: none !important;
    width: auto !important;
  }

  /* Mobile shortcuts: 2-column pill grid with full labels */
  .naver-shortcuts {
    display: grid !important;
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    gap: 8px !important;
    overflow: visible !important;
    margin: 0 !important;
    padding: 0 !important;
    mask-image: none !important;
  }
  .naver-shortcut {
    flex: initial !important;
    width: auto !important;
  }

  /* Carriers strip stays horizontal (intentional brand marquee) */
  .sf-carriers-row,
  .qw-carriers-strip-inner {
    display: flex !important;
    flex-wrap: nowrap !important;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    gap: 10px !important;
  }
  .sf-carriers-row::-webkit-scrollbar { display: none; }
  .sf-carriers-row { scrollbar-width: none; }
  .sf-carriers-row .brand-mark { flex: 0 0 auto; }

  /* Tighten section inner padding on mobile so strips align with edges */
  .v3-inner,
  .naver-hero-inner,
  .sf-carriers-inner {
    width: min(100% - 24px, 1180px) !important;
  }

  /* Header/icon-bar mobile tweaks */
  .topbar { display: none; }
  .nav-bar { display: none; }
  .icon-bar-inner { height: 44px; }
  .naver-hero { min-height: calc(100svh - 44px); }
  .naver-hero::before { display: none; }
  .topbar-inner { gap: 8px; }

  /* Hero search bar slimmer on mobile */
  .naver-search { height: 56px; }
  .naver-search-mark { display: none; }
  .naver-search-input { font-size: 0.95rem; }
  .naver-search-input::placeholder,
  .zip-field-input::placeholder {
    color: transparent;
  }
  .hero-left-card {
    border-width: 2px;
    box-shadow: none;
    gap: 10px;
    padding: 12px;
  }
  .hero-left-card-head { display: block; }
  .hero-left-card .naver-shortcuts { display: grid !important; }
  .hero-left-card .naver-shortcut {
    max-width: none;
    min-width: 0;
    gap: 5px;
  }
  .hero-left-card .naver-shortcut-circle {
    width: 42px;
    height: 42px;
  }
  .hero-left-card .naver-shortcut-icon {
    font-size: 1.1rem;
  }
  .hero-left-card .naver-shortcut-label {
    font-size: 0.62rem;
    line-height: 1.12;
    overflow-wrap: anywhere;
  }
  .naver-hero-right {
    display: flex !important;
    width: 100%;
  }
  .quote-panel {
    border-width: 2px;
    box-shadow: none;
    padding: 12px;
  }
  .quote-panel-list .quote-panel-row:nth-child(n+5) { display: none; }
  .quote-panel-row {
    padding: 8px 10px;
    gap: 8px;
  }
  .quote-panel-price {
    font-size: 0.96rem;
  }
  .quote-panel-price small {
    display: block;
    margin-left: 0;
  }

  /* Section heading sizes */
  .v3-h2 { font-size: 24px !important; }
  .v3-lede { font-size: 0.95rem !important; }

  /* FAQ accordion stays vertical, too dense for horizontal */
  .v3-faq { display: grid !important; grid-template-columns: 1fr !important; gap: 8px !important; }

  /* Footer 2-column on mobile to keep height down */
  .footer-grid {
    grid-template-columns: 1fr 1fr !important;
    gap: 16px 18px !important;
  }
  .footer-brand { grid-column: 1 / -1; }
}

/* Slightly bigger viewport, keep some grids 2-up but allow scroll for long ones */
@media (min-width: 721px) and (max-width: 960px) {
  .sf-guides-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .v3-reasons { grid-template-columns: repeat(2, 1fr) !important; }
}

/* === Bottom repeat ZIP CTA (SmartFinancial pattern) === */
.repeat-zip-cta {
  background: linear-gradient(135deg, rgba(34, 197, 94, 0.06), rgba(34, 197, 94, 0.02));
  padding: 32px 0 !important;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.repeat-zip-card {
  background: #fff;
  border: 3px solid var(--indigo);
  border-radius: 16px;
  padding: 22px 26px;
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(280px, 1fr);
  gap: 24px;
  align-items: center;
  box-shadow: 0 16px 36px -12px rgba(34, 197, 94, 0.22);
}
.repeat-zip-copy .v3-kicker { margin-bottom: 8px !important; }
.repeat-zip-copy h2 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(22px, 2.2vw, 30px);
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 0 0 10px;
}
.repeat-zip-copy h2 .accent { color: var(--indigo-deep); }
.repeat-zip-meta {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  color: var(--muted);
}
.repeat-zip-meta a {
  color: var(--indigo-deep);
  font-weight: 700;
  text-decoration: none;
}
.repeat-zip-meta a:hover { text-decoration: underline; }
.repeat-zip-form {
  margin: 0 !important;
}

@media (max-width: 720px) {
  .repeat-zip-card {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 18px;
  }
}

/* === Mobile drawer === */
.mobile-drawer-toggle {
  position: fixed;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}
.mobile-drawer {
  position: fixed;
  inset: 0;
  z-index: 60;
  pointer-events: none;
  visibility: hidden;
}
.mobile-drawer-toggle:checked ~ .mobile-drawer {
  pointer-events: auto;
  visibility: visible;
}
.mobile-drawer-scrim {
  position: absolute;
  inset: 0;
  background: rgba(15, 23, 42, 0.5);
  border: none;
  cursor: pointer;
  opacity: 0;
  transition: opacity 0.2s;
  width: 100%;
  height: 100%;
}
.mobile-drawer-toggle:checked ~ .mobile-drawer .mobile-drawer-scrim { opacity: 1; }
.mobile-drawer-panel {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  width: min(360px, 86vw);
  background: #fff;
  box-shadow: 12px 0 32px -8px rgba(15, 23, 42, 0.25);
  transform: translateX(-100%);
  transition: transform 0.24s ease;
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.mobile-drawer-toggle:checked ~ .mobile-drawer .mobile-drawer-panel { transform: translateX(0); }
.mobile-drawer-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  background: #fff;
  z-index: 1;
}
.mobile-drawer-brand {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: -0.02em;
  color: var(--indigo);
  text-transform: uppercase;
}
.mobile-drawer-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin: 14px 14px 4px;
  padding: 12px 16px;
  background: var(--indigo);
  color: #fff !important;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.98rem;
  text-decoration: none;
  border-radius: 10px;
  transition: background 0.15s;
}
.mobile-drawer-cta svg { color: #ffffff !important; fill: #ffffff !important; }
.mobile-drawer-cta:hover { background: var(--indigo-deep); }

.mobile-drawer-nav {
  display: flex;
  flex-direction: column;
  padding: 8px 6px;
  flex: 1;
}
.mobile-drawer-nav > a {
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 12px;
  text-decoration: none;
}
.mobile-drawer-nav > a:hover {
  background: var(--bg-deep);
  color: var(--indigo);
}
.mobile-drawer-nav details {
  border-bottom: 1px solid var(--line);
}
.mobile-drawer-nav summary {
  list-style: none;
  cursor: pointer;
  padding: 14px 12px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--ink);
  letter-spacing: -0.005em;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.mobile-drawer-nav summary::-webkit-details-marker { display: none; }
.mobile-drawer-nav summary::after {
  content: "+";
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 1.4rem;
  color: var(--indigo);
  transition: transform 0.2s;
  line-height: 1;
}
.mobile-drawer-nav details[open] summary::after { transform: rotate(45deg); }
.mobile-drawer-nav details a {
  display: block;
  padding: 10px 22px;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  color: var(--muted);
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}
.mobile-drawer-nav details a:hover {
  background: var(--bg-deep);
  color: var(--indigo);
}
.mobile-drawer-foot {
  padding: 16px;
  border-top: 1px solid var(--line);
  background: var(--bg-deep);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.55;
}
.mobile-drawer-foot p { margin: 0 0 2px; }

/* Hide drawer trigger (icon-bar hamburger) on desktop, keep main nav */
@media (min-width: 881px) {
  .icon-bar-left .icon-btn:first-child {
    /* still visible, leave for testing; comment back in to hide on desktop */
    /* display: none; */
  }
}


.bao-gia-page {
  background: var(--bg);
}

.bao-gia-inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
}

.bao-gia-hero {
  background: linear-gradient(135deg, var(--indigo-deep) 0%, var(--orange-deep) 100%);
  color: #fff;
  padding: 38px 0 34px;
}

.bao-gia-hero-grid {
  display: grid;
  gap: 24px;
  align-items: stretch;
}

.bao-gia-hero-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.bao-gia-kicker,
.bao-gia-trust-kicker {
  font-family: var(--font-sans);
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  margin: 0 0 10px;
}

.bao-gia-kicker {
  color: rgba(255, 255, 255, 0.78);
}

.bao-gia-title {
  font-family: var(--font-display);
  font-size: clamp(30px, 6vw, 48px);
  line-height: 1.1;
  font-weight: 800;
  color: #fff;
  margin: 0 0 14px;
  max-width: 860px;
}

.bao-gia-title span {
  color: var(--indigo-soft);
}

.bao-gia-dek {
  font-size: 1.02rem;
  line-height: 1.62;
  color: rgba(255, 255, 255, 0.86);
  max-width: 760px;
  margin: 0 0 18px;
}

.bao-gia-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.bao-gia-meta span,
.bao-gia-card-topline span {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
}

.bao-gia-meta span {
  border: 1px solid rgba(255, 255, 255, 0.28);
  color: rgba(255, 255, 255, 0.88);
  padding: 5px 10px;
}

.bao-gia-hero-card,
.bao-gia-trust {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
  color: var(--ink);
}

.bao-gia-hero-card {
  box-shadow: 0 20px 44px -26px rgba(0, 0, 0, 0.45);
}

.bao-gia-card-topline {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 14px;
}

.bao-gia-card-topline span {
  background: var(--bg-deep);
  color: var(--ink-warm);
  padding: 5px 10px;
}

.bao-gia-card-topline .bao-gia-variant-badge {
  background: var(--indigo-deep);
  color: #fff;
}

.bao-gia-hero-card h2 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
  margin: 0 0 8px;
}

.bao-gia-hero-card p,
.bao-gia-trust dd,
.bao-gia-disclosures p {
  color: var(--muted);
  line-height: 1.58;
}

.bao-gia-hero-card p {
  margin: 0 0 14px;
}

.bao-gia-hero-card ul {
  margin: 0 0 16px;
  padding-left: 20px;
  color: var(--ink-warm);
  line-height: 1.55;
}

.bao-gia-hero-card li + li {
  margin-top: 6px;
}

.bao-gia-phone {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border-radius: 8px;
  background: var(--indigo-deep);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 800;
  text-decoration: none;
}

.bao-gia-hours {
  font-size: 0.78rem;
  text-align: center;
  margin: 10px 0 0 !important;
}

.bao-gia-body {
  background: var(--bg-soft);
  border-bottom: 1px solid var(--line);
  padding: 24px 0 48px;
}

.bao-gia-body-grid {
  display: grid;
  gap: 18px;
  align-items: start;
}

.bao-gia-form-area .form-panel {
  max-width: none;
  margin: 0;
  border-radius: 12px;
  padding: 20px;
}

.bao-gia-form-area .form-panel h2 {
  font-family: var(--font-display);
  font-size: clamp(1.45rem, 4vw, 2rem);
  font-weight: 800;
  margin-bottom: 10px;
}

.bao-gia-form-area .form-panel p {
  margin-top: 0;
}

.bao-gia-form-area .lead-form {
  gap: 16px;
}

.bao-gia-form-area .form-grid {
  grid-template-columns: 1fr;
  gap: 14px;
}

.bao-gia-form-area label {
  font-size: 0.9rem;
  color: var(--ink-warm);
}

.bao-gia-form-area .form-field-hint {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 500;
  line-height: 1.35;
}

.bao-gia-form-area input,
.bao-gia-form-area select,
.bao-gia-form-area textarea {
  border-color: var(--line);
  transition: border-color 0.14s, box-shadow 0.14s;
}

.bao-gia-form-area input:focus-visible,
.bao-gia-form-area select:focus-visible,
.bao-gia-form-area textarea:focus-visible,
.bao-gia-page a:focus-visible,
.bao-gia-page button:focus-visible {
  outline: none;
  border-color: var(--indigo-deep);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--indigo) 22%, transparent);
}

.bao-gia-form-area .checkbox {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  background: #fff;
}

.bao-gia-form-area .primary-button {
  width: 100%;
  min-height: 50px;
  border-radius: 8px;
}

.bao-gia-form-area .primary-button:disabled {
  cursor: not-allowed;
  opacity: 0.72;
}

.bao-gia-trust {
  display: grid;
  gap: 16px;
}

.bao-gia-trust-kicker {
  color: var(--muted);
  margin-bottom: 0;
}

.bao-gia-agent {
  display: flex;
  gap: 12px;
  align-items: center;
  border-bottom: 1px solid var(--line);
  padding-bottom: 16px;
}

.bao-gia-agent-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--indigo-deep);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  flex-shrink: 0;
}

.bao-gia-agent strong,
.bao-gia-agent span {
  display: block;
}

.bao-gia-agent strong {
  font-family: var(--font-display);
  font-weight: 800;
}

.bao-gia-agent span {
  color: var(--muted);
  font-size: 0.8rem;
  line-height: 1.45;
}

.bao-gia-trust-list {
  display: grid;
  gap: 12px;
  margin: 0;
}

.bao-gia-trust-list div {
  display: grid;
  gap: 3px;
}

.bao-gia-trust dt {
  color: var(--indigo-deep);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.bao-gia-trust dd {
  margin: 0;
  font-size: 0.9rem;
}

.bao-gia-trust a {
  color: var(--indigo-deep);
  font-weight: 700;
  text-decoration: none;
}

.bao-gia-disclosures {
  border-top: 1px solid var(--line);
  padding-top: 14px;
}

.bao-gia-disclosures p {
  font-size: 0.78rem;
  margin: 0;
}

.bao-gia-disclosures p + p {
  margin-top: 8px;
}

@media (min-width: 760px) {
  .bao-gia-form-area .form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 920px) {
  .bao-gia-hero {
    padding: 44px 0 40px;
  }

  .bao-gia-hero-grid {
    grid-template-columns: minmax(0, 1fr) 360px;
    gap: 36px;
  }

  .bao-gia-body {
    padding: 30px 0 58px;
  }

  .bao-gia-body-grid {
    grid-template-columns: minmax(0, 1fr) 340px;
    gap: 24px;
  }

  .bao-gia-trust {
    position: sticky;
    top: 88px;
  }
}

/* Visually hide H1 for SEO without affecting layout. */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}


/* Interactive broker tools */
.tool-breadcrumb {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 18px;
  color: var(--muted);
  font-size: 0.9rem;
}

.tool-breadcrumb a {
  color: var(--accent-dark);
  font-weight: 800;
  text-decoration: none;
}

.tool-shell {
  display: grid;
  gap: 18px;
}

.tool-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(300px, 0.95fr);
  gap: 18px;
  align-items: start;
}

.tool-form,
.tool-result {
  box-shadow: 0 10px 28px rgba(15, 23, 42, 0.05);
}

.tool-result {
  display: grid;
  gap: 14px;
}

.tool-eyebrow {
  color: var(--accent-dark) !important;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  margin: 0;
  text-transform: uppercase;
}

.tool-big {
  color: var(--ink);
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 3.6rem);
  line-height: 1;
}

.tool-sub {
  color: var(--muted);
  display: block;
  line-height: 1.5;
}

.tool-list {
  color: var(--muted);
  display: grid;
  gap: 7px;
  line-height: 1.55;
  margin: 0;
  padding-left: 20px;
}

.tool-mini-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}

.tool-mini-card,
.tool-callout,
.tool-field {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
}

.tool-mini-card {
  display: grid;
  gap: 4px;
}

.tool-mini-card strong {
  color: var(--accent-dark);
  font-family: var(--font-display);
  font-size: 1.1rem;
}

.tool-mini-card span,
.tool-field span {
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.4;
}

.tool-citation {
  color: var(--muted) !important;
  font-size: 0.85rem;
  margin: 0;
}

.tool-table-wrap {
  overflow-x: auto;
}

.tool-table {
  background: #fff;
  border: 1px solid var(--line);
  border-collapse: separate;
  border-radius: 8px;
  border-spacing: 0;
  min-width: 760px;
  overflow: hidden;
  width: 100%;
}

.tool-table caption {
  color: var(--muted);
  font-weight: 800;
  padding: 0 0 10px;
  text-align: left;
}

.tool-table th,
.tool-table td {
  border-bottom: 1px solid var(--line);
  padding: 12px;
  text-align: left;
  vertical-align: top;
}

.tool-table tbody tr {
  cursor: default;
  outline: none;
}

.tool-table tbody tr:hover,
.tool-table tbody tr:focus,
.tool-table tbody tr.is-active {
  background: var(--bg-deep);
}

.tool-repeat-list,
.tool-stack {
  display: grid;
  gap: 12px;
}

.tool-repeat-row {
  border: 1px solid var(--line);
  border-radius: 8px;
  display: grid;
  gap: 10px;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) auto;
  padding: 12px;
}

.tool-field {
  display: grid;
  gap: 5px;
}

.tool-field p {
  margin: 0;
}

.tool-field.is-risky,
.tool-callout-danger {
  background: #fff1f2;
  border-color: #fecdd3;
}

.tool-related {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}

.tool-related a {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--accent-dark);
  font-weight: 800;
  padding: 10px 12px;
  text-decoration: none;
}

.tool-cta {
  background: var(--bg-deep);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--ink) !important;
  font-weight: 800;
  margin-top: 20px;
  padding: 16px;
}

.tool-cta a {
  color: var(--accent-dark);
}

@media (max-width: 900px) {
  .tool-grid,
  .tool-repeat-row {
    grid-template-columns: 1fr;
  }

  .tool-mini-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .tool-card-grid {
    grid-template-columns: 1fr !important;
  }

  .tool-big {
    font-size: 2rem;
  }
}

/* Declarations decoder page */
.decode-widget-section .v3-lede {
  max-width: 760px;
}

.dec-decoder {
  margin-top: 22px;
}

.dec-decoder-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 20px;
  align-items: start;
}

.dec-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: 0 14px 36px -24px rgba(15, 23, 42, 0.28);
  padding: 18px;
}

.dec-label {
  display: grid;
  gap: 8px;
  color: var(--ink);
}

.dec-label span {
  font-family: var(--font-display);
  font-size: 0.98rem;
  font-weight: 800;
  letter-spacing: -0.005em;
}

.dec-label em,
.dec-note,
.dec-empty {
  color: var(--muted);
  font-style: normal;
  font-weight: 500;
  line-height: 1.45;
}

.dec-label em,
.dec-note {
  font-size: 0.86rem;
}

.dec-textarea {
  min-height: 248px;
  border-radius: 8px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.45;
}

.dec-note {
  margin: 12px 0 0;
}

.dec-result-card {
  display: grid;
  gap: 12px;
}

.dec-eyebrow {
  color: var(--accent-dark);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  margin: 0;
  text-transform: uppercase;
}

.dec-result-list {
  display: grid;
  gap: 10px;
}

.dec-field,
.dec-risk-callout {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
}

.dec-field {
  background: var(--bg-soft);
  display: grid;
  gap: 6px;
}

.dec-field.is-risky,
.dec-risk-callout {
  background: #fff1f2;
  border-color: #fecdd3;
}

.dec-field strong {
  color: var(--ink);
  font-family: var(--font-display);
  font-size: 0.98rem;
  line-height: 1.25;
}

.dec-field span {
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.35;
}

.dec-field p {
  color: var(--muted);
  line-height: 1.45;
  margin: 0;
}

.dec-risk-callout {
  display: grid;
  gap: 4px;
  line-height: 1.4;
}

.dec-risk-callout strong {
  color: var(--danger);
  font-family: var(--font-display);
}

.dec-risk-callout span {
  color: var(--ink);
}

@media (min-width: 901px) {
  .dec-input-card {
    position: sticky;
    top: 88px;
  }
}

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

@media (max-width: 720px) {
  .decode-hero {
    padding: 28px 0 32px !important;
  }

  .decode-hero .v3-lede {
    margin-bottom: 16px !important;
  }

  .decode-hero .state-keystats {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
    padding: 12px;
  }

  .decode-hero .state-keystats dt {
    font-size: 0.64rem;
  }

  .decode-hero .state-keystats dd {
    font-size: 0.9rem;
    line-height: 1.2;
  }

  .decode-widget-section {
    padding-bottom: 72px !important;
  }

  .dec-card {
    border-radius: 8px;
    box-shadow: none;
    padding: 14px;
  }

  .dec-textarea {
    min-height: 188px;
    font-size: 0.92rem;
  }

  .dec-field,
  .dec-risk-callout {
    padding: 10px;
  }

  .dec-field strong {
    font-size: 0.93rem;
  }
}

/* Sticky mobile call bar */
.sticky-call-bar {
  display: none;
}
@media (max-width: 768px) {
  .sticky-call-bar {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.12);
  }
  .sticky-call-bar__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 12px;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    line-height: 1.2;
    min-height: 56px;
  }
  .sticky-call-bar__btn:focus-visible {
    outline: 3px solid #ffd84d;
    outline-offset: -3px;
  }
  .sticky-call-bar__btn--call {
    background: #1a7a3e;
    color: #fff;
  }
  .sticky-call-bar__btn--quote {
    background: #1a56db;
    color: #fff;
  }
  body:has(.home-top) .sticky-call-bar {
    display: none;
  }
  body:has(.home-top) .site-shell {
    padding-bottom: 0;
  }
  /* keep page content above the bar */
  .site-shell {
    padding-bottom: 64px;
  }
}

/* Breadcrumbs */
.breadcrumbs {
  font-size: 0.875rem;
  margin: 8px 0 16px;
}
.breadcrumbs ol {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  align-items: center;
}
.breadcrumbs li {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #4b5563;
}
.breadcrumbs a {
  color: #1a56db;
  text-decoration: none;
}
.breadcrumbs a:hover,
.breadcrumbs a:focus-visible {
  text-decoration: underline;
}
.breadcrumbs__current {
  color: #111827;
  font-weight: 600;
}
.breadcrumbs__sep {
  color: #9ca3af;
}

.newsletter-cta {
  display: flex;
  flex-wrap: nowrap;
  align-items: center;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px 14px;
}

.newsletter-cta > div {
  flex: 0 1 auto;
  min-width: 0;
}

.newsletter-cta strong {
  display: block;
  color: var(--ink);
  font-size: 0.95rem;
  white-space: nowrap;
}

.newsletter-cta p {
  color: var(--muted);
  line-height: 1.3;
  margin: 2px 0 0;
  font-size: 0.78rem;
}

.newsletter-cta input[type="email"] {
  flex: 0 1 260px;
  width: min(100%, 260px);
  min-width: 0;
}

.newsletter-cta .cf-turnstile {
  flex: 0 0 auto;
}

.newsletter-cta .primary-button {
  flex: 0 0 auto;
  white-space: nowrap;
}

.newsletter-cta .checkbox {
  align-self: center;
}

.newsletter-cta .status {
  flex: 1 0 100%;
  margin: 0;
}

.newsletter-cta--compact {
  margin-top: 28px;
}

.footer-newsletter {
  margin-top: 28px;
}

@media (max-width: 900px) {
  .newsletter-cta {
    flex-wrap: wrap;
  }
  .newsletter-cta > div { flex: 1 1 100%; }
  .newsletter-cta input[type="email"] { flex: 1 1 100%; }
  .newsletter-cta .primary-button { flex: 1 1 100%; }
  .newsletter-cta .cf-turnstile { flex: 1 1 100%; }
}

/* Light text inside dark heroes (violation-hero / state-hero / guide-hero / product-hero) */
.violation-hero .breadcrumbs,
.state-hero .breadcrumbs,
.guide-hero .breadcrumbs,
.product-hero .breadcrumbs,
.violation-hero .breadcrumbs a,
.state-hero .breadcrumbs a,
.guide-hero .breadcrumbs a,
.product-hero .breadcrumbs a {
  color: rgba(255, 255, 255, 0.85);
}
.violation-hero .breadcrumbs__current,
.state-hero .breadcrumbs__current,
.guide-hero .breadcrumbs__current,
.product-hero .breadcrumbs__current {
  color: #fff;
}
.violation-hero .breadcrumbs__sep,
.state-hero .breadcrumbs__sep,
.guide-hero .breadcrumbs__sep,
.product-hero .breadcrumbs__sep {
  color: rgba(255, 255, 255, 0.5);
}
.violation-hero .breadcrumbs a:hover,
.state-hero .breadcrumbs a:hover,
.guide-hero .breadcrumbs a:hover,
.product-hero .breadcrumbs a:hover {
  color: #fff;
}
.violation-hero .eyebrow,
.state-hero .eyebrow,
.guide-hero .eyebrow,
.product-hero .eyebrow {
  color: rgba(255, 255, 255, 0.78);
  letter-spacing: 0.08em;
}
.violation-hero .form-note,
.state-hero .form-note,
.guide-hero .form-note,
.product-hero .form-note,
.violation-hero p,
.violation-hero .violation-summary {
  color: rgba(255, 255, 255, 0.85);
}

/* Hero variant for v3-section pages · green gradient to match product/state/violation heroes */
.v3-section--hero {
  background: linear-gradient(135deg, var(--indigo-deep) 0%, #0E5C2E 100%);
  color: #fff;
}
.v3-section--hero .v3-kicker,
.v3-section--hero .eyebrow {
  color: rgba(255, 255, 255, 0.78);
}
.v3-section--hero .v3-h2,
.v3-section--hero h1 {
  color: #fff;
}
.v3-section--hero .v3-h2 .accent {
  color: #ffd84d;
}
.v3-section--hero .v3-lede,
.v3-section--hero p {
  color: rgba(255, 255, 255, 0.92);
}
.v3-section--hero .tool-breadcrumb,
.v3-section--hero .tool-breadcrumb a,
.v3-section--hero .tool-breadcrumb span {
  color: rgba(255, 255, 255, 0.85);
}
.v3-section--hero .tool-breadcrumb a:hover {
  color: #fff;
}
.v3-section--hero .state-keystats {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 12px;
  padding: 16px;
}
.v3-section--hero .state-keystats dt {
  color: rgba(255, 255, 255, 0.7);
}
.v3-section--hero .state-keystats dd {
  color: #fff;
}

/* Article share bar (NYT/BBC-style horizontal row) */
.article-share-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.article-share-bar--top {
  padding: 8px 0;
  background: transparent;
  margin: 0 0 12px;
}
.article-share-bar--bottom {
  padding: 14px 16px;
  background: #f8fafc;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  margin-top: 28px;
}
.article-share-bar__label {
  font-size: 12px;
  font-weight: 700;
  color: #64748b;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-right: 4px;
}
.article-share-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  text-decoration: none;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
  transition: transform 0.15s, box-shadow 0.15s;
}
.article-share-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 8px rgba(0, 0, 0, 0.15);
}
.article-share-btn:focus-visible {
  outline: 3px solid #ffd84d;
  outline-offset: 2px;
}

/* White Chia sẻ label inside dark hero (top variant) */
.article-share-bar--top .article-share-bar__label {
  color: rgba(255, 255, 255, 0.85);
}

/* Westminster flagship banner: desktop 2-column, mobile stack */
.wm-flagship-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  align-items: center;
}
@media (min-width: 768px) {
  .wm-flagship-grid {
    grid-template-columns: 1.4fr 1fr;
  }
}

/* Westminster sticky CTA: mobile only */
.wm-sticky-cta {
  display: none !important;
}
@media (max-width: 767px) {
  .wm-sticky-cta {
    display: flex !important;
    padding-bottom: calc(0.6rem + env(safe-area-inset-bottom)) !important;
  }
  body:has(.wm-sticky-cta) {
    padding-bottom: 84px;
  }
}

/* ===== qualityspace additions (Phase 0) ===== */

.example-rates-card {
  background: #fff;
  border: 1px solid var(--line, #E5E7EB);
  border-radius: 16px;
  padding: 24px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
}

.example-rates-head {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink, #0B1A0F);
  margin-bottom: 14px;
}

.example-rates-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.example-rates-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid #F0F4F1;
  font-size: 0.96rem;
}

.example-rates-row:last-child { border-bottom: 0; }

.example-rates-carrier {
  font-weight: 600;
  color: var(--ink, #0B1A0F);
}

.example-rates-price {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  line-height: 1.1;
}

.example-rates-price strong {
  font-size: 1.1rem;
  color: var(--ink, #0B1A0F);
}

.example-rates-price span {
  font-size: 0.78rem;
  color: var(--muted, #5C6C5F);
}

.carrier-chip {
  display: inline-flex;
  align-items: center;
  padding: 6px 12px;
  background: #F2F7F3;
  color: var(--ink-warm, #1A2B1E);
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
  border: 1px solid #E5EFE7;
}

.zip-submit {
  background: #15803D;
  color: #fff;
  padding: 12px 18px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  white-space: nowrap;
  margin-left: 12px;
}

a.zip-compare {
  display: flex;
  align-items: center;
  text-decoration: none;
  background: #fff;
  border: 1px solid var(--line, #E5E7EB);
  border-radius: 10px;
  padding: 10px 14px;
  margin-top: 6px;
}

a.zip-compare:hover { border-color: #15803D; }

.zip-field-label {
  font-size: 0.78rem;
  color: var(--muted, #5C6C5F);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 600;
  display: block;
}

.zip-field {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.byline {
  font-size: 0.83rem;
  color: var(--muted, #5C6C5F);
  font-style: italic;
}

/* Legal page wrapper */
.legal-page {
  max-width: 760px;
  margin: 0 auto;
  padding: 48px 20px;
}

.legal-page h1 {
  margin-bottom: 12px;
}

.legal-page h2 {
  margin-top: 2em;
  color: var(--ink, #0B1A0F);
}

.legal-page p {
  color: var(--ink-warm, #1A2B1E);
  line-height: 1.65;
}

.kicker {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
  color: #15803D;
  font-weight: 700;
}

/* ===== qualityspace section utilities (Phase 0) ===== */

.section {
  padding: 64px 0;
}

.section--soft {
  background: #F2F7F3;
}

/* Article body rhythm: tighten the kicker → h2 → prose vertical rhythm so
   the section doesn't feel like floating chunks. Targets only article bodies,
   not nav/hero/aside. */
.body-main > .kicker { margin: 0 0 6px; }
.body-main > h2 {
  margin: 0 0 14px;
  font-size: clamp(1.5rem, 2.2vw, 1.85rem);
  line-height: 1.2;
  letter-spacing: -0.01em;
}
.body-main > h2 + p,
.body-main > h2 + ul,
.body-main > h2 + ol { margin-top: 0; }
.body-main > p { margin: 0 0 14px; line-height: 1.65; }
.body-main > p:last-child { margin-bottom: 0; }
.body-main > ul,
.body-main > ol { margin: 0 0 18px; padding-left: 22px; }
.body-main > ul li,
.body-main > ol li { margin-bottom: 8px; line-height: 1.6; }
.body-main > .kicker:not(:first-child) { margin-top: 36px; }
.body-main > .kicker:first-child { margin-top: 0; }

.inner {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
}

/* a11y skip-link: hidden offscreen until keyboard-focused */
.skip-to-content {
  position: absolute;
  left: -9999px;
  top: 0;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.skip-to-content:focus {
  left: 12px;
  top: 12px;
  width: auto;
  height: auto;
  z-index: 9999;
  background: #fff;
  color: #15803D;
  border: 2px solid #15803D;
  border-radius: 6px;
  padding: 10px 14px;
  font-weight: 700;
  text-decoration: none;
}

.lede {
  font-size: 1.05rem;
  color: var(--ink-warm, #1A2B1E);
  max-width: 65ch;
  line-height: 1.6;
}

a.card,
a.card * {
  text-decoration: none !important;
}
a.card {
  color: inherit;
  display: block;
  transition: border-color 120ms, box-shadow 120ms, transform 120ms;
}
a.card:hover {
  border-color: #15803D;
  box-shadow: 0 4px 12px rgba(21, 128, 61, 0.08);
}
a.card h3, a.card strong {
  color: #15803D;
}

/* PageHero — center title + lede with sensible max-widths so the hero
   doesn't look like it's missing a right column */
.page-hero {
  padding: 56px 0 40px;
  background: #fff;
}
/* Dark-green hero band (baohiemxe pattern) for interior pages */
.page-hero--dark {
  background: linear-gradient(180deg, #0F4F2C 0%, #0d4427 100%);
  color: #f6fbf6;
  position: relative;
  overflow: hidden;
}
.page-hero--dark::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(60% 80% at 100% 0%, rgba(74, 222, 128, 0.18), transparent 60%),
    radial-gradient(50% 60% at 0% 100%, rgba(74, 222, 128, 0.12), transparent 60%);
  pointer-events: none;
}
.page-hero--dark .inner { position: relative; z-index: 1; }
.page-hero--dark .breadcrumb,
.page-hero--dark .breadcrumb a { color: rgba(246, 251, 246, 0.72); }
.page-hero--dark .breadcrumb a:hover { color: #ffffff; }
.page-hero--dark .breadcrumb-sep { color: rgba(246, 251, 246, 0.4); }
.page-hero--dark .page-hero-kicker { color: #b9f5cf; }
.page-hero--dark .page-hero-title { color: #ffffff; }
.page-hero--dark .page-hero-lede { color: rgba(246, 251, 246, 0.88); }

/* Eat the .section padding-top on the first section after a hero so it
   doesn't double-up vertical whitespace */
.page-hero + .section { padding-top: 40px; }

/* Hero 2-column: text left, mini CTA right */
.page-hero-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  align-items: start;
}
@media (min-width: 880px) {
  .page-hero-row { grid-template-columns: minmax(0, 1fr) 360px; gap: 16px; }
}
.page-hero-text { min-width: 0; }
.page-hero-cta {
  background: #F2F7F3;
  border: 1px solid #D5E5D8;
  border-radius: 14px;
  padding: 18px 20px;
}
.page-hero-cta-phone {
  display: block;
  font-size: 1.55rem;
  font-weight: 800;
  color: #15803D;
  text-decoration: none;
  margin: 6px 0 8px;
  letter-spacing: -0.01em;
}
.page-hero-cta-phone:hover { text-decoration: underline; }
.page-hero-cta-meta {
  font-size: 0.86rem;
  color: #3a4f41;
  margin: 0 0 14px;
  line-height: 1.5;
}
.page-hero-cta-btn {
  display: inline-block;
  padding: 10px 16px;
  background: #15803D;
  color: #fff !important;
  font-weight: 700;
  border-radius: 999px;
  text-decoration: none;
  font-size: 0.92rem;
}
.page-hero-cta-btn:hover { background: #0f6630; }

/* Meta strip at the bottom of the hero — 3-4 column dt/dd row */
.page-hero-meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px 32px;
  margin: 24px 0 0;
  padding: 18px 0 0;
  border-top: 1px solid #E5E7EB;
}
@media (min-width: 720px) {
  .page-hero-meta { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
.page-hero-meta-item { margin: 0; }
.page-hero-meta-item dt {
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #15803D;
  font-weight: 700;
  margin: 0 0 4px;
}
.page-hero-meta-item dd {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 600;
  color: #1A2B1E;
}
.page-hero-inner { max-width: 1180px; }
.page-hero-kicker { margin-top: 12px; }
.page-hero-title {
  margin-top: 6px;
  font-size: clamp(1.85rem, 3.6vw, 2.6rem);
  line-height: 1.15;
  max-width: 28ch;
  letter-spacing: -0.015em;
}
.page-hero-lede {
  margin-top: 14px;
  margin-bottom: 0;
  max-width: 58ch;
  font-size: 1.02rem;
  line-height: 1.55;
  color: #3a4f41;
}

/* Two-column PageHero: title/lede left, trust card right */
.page-hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: start;
}
@media (min-width: 920px) {
  .page-hero-grid {
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: 48px;
  }
}
.page-hero-main { min-width: 0; }
.page-hero-aside { min-width: 0; }
.page-hero-card {
  background: #F2F7F3;
  border: 1px solid #D5E5D8;
  border-radius: 14px;
  padding: 22px 22px 20px;
}
.page-hero-card-kicker {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.74rem;
  color: #15803D;
  font-weight: 700;
  margin: 0;
}
.page-hero-phone {
  display: block;
  font-size: 1.6rem;
  font-weight: 700;
  color: #15803D;
  text-decoration: none;
  margin-top: 6px;
  letter-spacing: -0.01em;
}
.page-hero-phone:hover { text-decoration: underline; }
.page-hero-meta-list {
  list-style: none;
  margin: 14px 0 0;
  padding: 0;
}
.page-hero-meta-list li {
  font-size: 0.88rem;
  color: #3a4f41;
  padding: 3px 0;
}
/* (legacy .page-hero-cta pill-button removed — the new .page-hero-cta is the
   hero right-column card; pill buttons live under .page-hero-cta-btn) */

/* Centered narrow content for prose-heavy section bodies */
.section-prose .inner {
  max-width: 820px;
}

/* Narrow prose inners (inline style maxWidth: 760 etc) should left-align
   with the page hero left edge, not center within the viewport.
   Otherwise the body content visually drifts right of the hero h1. */
.section .inner[style*="max-width"],
.section .inner[style*="maxWidth"] {
  margin-left: max(16px, calc((100vw - 1180px) / 2));
  margin-right: auto;
}

/* Body-with-aside: prose left, sticky aside right (baohiemxe pattern) */
.body-with-aside {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: start;
}
@media (min-width: 960px) {
  .body-with-aside {
    grid-template-columns: minmax(0, 1fr) 360px;
    gap: 16px;
  }
  .body-aside {
    position: sticky;
    top: 16px;
    align-self: start;
  }
}
.body-main { min-width: 0; max-width: 760px; }
.body-aside {
  display: flex;
  flex-direction: column;
  gap: 0;
  min-width: 0;
  background: #fff;
  border: 1px solid #E4E6EB;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 1px 2px rgba(0,0,0,0.04);
}
.body-aside > .body-aside-card {
  border: 0 !important;
  border-radius: 0 !important;
  box-shadow: none !important;
  border-bottom: 1px solid #E4E6EB !important;
}
.body-aside > .body-aside-card:last-child {
  border-bottom: 0 !important;
}
.body-aside-card {
  background: #fff;
  border: 1px solid #E4E6EB;
  border-radius: 12px;
  padding: 16px 20px;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}
.body-aside-card.body-aside-cta {
  background: #15803D;
  border-color: #0f6630;
  color: #ffffff;
}
/* (CTA kicker color is set by the rule below — white on green) */
.body-aside-cta .aside-phone { color: #ffffff !important; }
.body-aside-cta .aside-meta { color: #e6f7eb; }
.body-aside-cta .aside-cta-btn {
  background: #ffffff;
  color: #15803D !important;
}
.body-aside-cta .aside-cta-btn:hover { background: #f2f7f3; }
.body-aside-cta .aside-cta-secondary { color: #e6f7eb; }
.body-aside-cta .aside-cta-secondary:hover { color: #ffffff; }
.body-aside-card.body-aside-vn {
  background: #FFF8EE;
  border-color: #F4E2BD;
}
.aside-kicker {
  font-size: 1.0625rem;
  color: #050505;
  font-weight: 700;
  letter-spacing: -0.005em;
  margin: 0 0 10px;
}
.body-aside-cta .aside-kicker { color: #ffffff; }
.aside-toc { list-style: none; margin: 0; padding: 0; }
.aside-toc li { padding: 2px 0; }
.aside-toc a {
  font-size: 0.92rem;
  color: #1A2B1E;
  text-decoration: none;
  border-left: 2px solid transparent;
  padding-left: 10px;
  margin-left: -12px;
  display: block;
  transition: border-color 120ms, color 120ms;
}
.aside-toc a:hover {
  color: #15803D;
  border-left-color: #15803D;
}
.aside-phone {
  display: block;
  font-size: 1.6rem;
  font-weight: 800;
  color: #15803D;
  text-decoration: none;
  margin: 4px 0 6px;
  letter-spacing: -0.01em;
}
.aside-phone:hover { text-decoration: underline; }
.aside-meta {
  font-size: 0.84rem;
  color: #3a4f41;
  margin: 2px 0;
  line-height: 1.4;
}
.aside-strong { font-size: 0.95rem; font-weight: 700; color: #1A2B1E; margin: 4px 0; }
.aside-cta-btn {
  display: block;
  margin-top: 14px;
  padding: 10px 16px;
  background: #15803D;
  color: #fff !important;
  font-weight: 700;
  border-radius: 999px;
  text-decoration: none;
  font-size: 0.95rem;
  text-align: center;
}
.aside-cta-btn:hover { background: #0f6630; }
.aside-cta-secondary {
  display: block;
  margin-top: 10px;
  text-align: center;
  font-size: 0.88rem;
  color: #15803D;
  text-decoration: none;
  font-weight: 600;
}
.aside-cta-secondary:hover { text-decoration: underline; }
.aside-links { list-style: none; margin: 0; padding: 0; }
.aside-links li { padding: 0; }
.aside-links a {
  display: block;
  font-size: 0.9rem;
  color: #1A2B1E;
  text-decoration: none;
  padding: 6px 0;
  min-height: 24px;
  line-height: 1.4;
}
.aside-links a:hover { color: #15803D; text-decoration: underline; }
.aside-link {
  display: inline-block;
  font-size: 0.92rem;
  font-weight: 600;
  color: #15803D;
  text-decoration: none;
  margin-top: 8px;
}
.aside-link:hover { text-decoration: underline; }
.aside-link-lg { font-size: 1.05rem; }

/* YMYL byline: self-bounded to standard content width so it never
   hugs the page edge when rendered outside a .section .inner */
.ymyl-byline-wrap {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  padding: 24px 0;
}
.ymyl-byline { margin: 0; }

/* Guide list (used on /guides) - styled cards in a vertical stack */
.guide-list {
  list-style: none;
  margin: 24px 0 0;
  padding: 0;
  display: grid;
  gap: 16px;
}
.guide-list-item {
  background: #fff;
  border: 1px solid #E5E7EB;
  border-radius: 14px;
  padding: 22px 24px;
  transition: border-color 120ms, box-shadow 120ms;
}
.guide-list-item:hover {
  border-color: #15803D;
  box-shadow: 0 4px 14px rgba(21, 128, 61, 0.08);
}
.guide-list-item h3 {
  margin: 0;
  font-size: 1.18rem;
  line-height: 1.3;
}
.guide-list-item h3 a {
  color: #15803D;
  text-decoration: none;
}
.guide-list-item h3 a:hover { text-decoration: underline; }
.guide-list-item p {
  margin: 8px 0 12px;
  color: #1A2B1E;
  line-height: 1.55;
  font-size: 0.96rem;
}
.guide-list-cta {
  font-size: 0.9rem;
  font-weight: 600;
  color: #15803D;
  text-decoration: none;
}
.guide-list-cta:hover { text-decoration: underline; }

.card {
  background: #fff;
  border: 1px solid var(--line, #E5E7EB);
  border-radius: 14px;
  padding: 24px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.03);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 12px;
}

@media (min-width: 720px) {
  .grid-2 { grid-template-columns: 1fr 1fr; }
}

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: 16px;
}

@media (min-width: 720px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1000px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
}

.services-stack {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  margin-top: 24px;
}
.services-stack-item {
  padding: 20px;
  border: 1px solid #E5E7EB;
  border-radius: 12px;
  background: #fff;
  margin-top: 12px;
  transition: box-shadow 120ms, border-color 120ms;
}
.services-stack-item:hover {
  border-color: #15803D;
  box-shadow: 0 4px 12px rgba(21, 128, 61, 0.08);
}
@media (min-width: 760px) {
  .services-stack {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .services-stack-item { margin-top: 0; }
}
@media (min-width: 1100px) {
  .services-stack { grid-template-columns: repeat(3, 1fr); }
}
.services-stack-title {
  font-size: 1.15rem;
  line-height: 1.3;
  margin: 0 0 8px;
}
.services-stack-title a {
  color: #15803D;
  text-decoration: none;
}
.services-stack-title a:hover { text-decoration: underline; }
.services-stack-body {
  margin: 0 0 12px;
  color: #1f2937;
  font-size: 0.95rem;
  line-height: 1.55;
}
.services-stack-link a {
  color: #15803D;
  font-weight: 600;
  text-decoration: none;
}
.services-stack-link a:hover { text-decoration: underline; }

.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
@media (min-width: 960px) {
  .contact-layout {
    grid-template-columns: minmax(0, 1fr) 360px;
    gap: 16px;
    align-items: start;
  }
}
.contact-form-col h2 { margin-top: 4px; }
.contact-side-col {
  display: flex;
  flex-direction: column;
  gap: 20px; /* matches body-aside gap */
}
.contact-side-card {
  background: #fff;
  border: 1px solid #E5E7EB;
  border-radius: 12px;
  padding: 18px 20px;
}
.contact-phone-big {
  display: inline-block;
  margin-top: 6px;
  font-size: 1.5rem;
  font-weight: 700;
  color: #15803D;
  text-decoration: none;
}
.contact-phone-big:hover { text-decoration: underline; }
.contact-email-big {
  display: inline-block;
  margin-top: 6px;
  font-weight: 600;
  color: #15803D;
  text-decoration: none;
  word-break: break-all;
}
.contact-email-big:hover { text-decoration: underline; }

/* Q&A spacing fix — H3 questions get breathing room from previous answer */
.section .inner h3 {
  margin-top: 28px;
  margin-bottom: 8px;
  font-size: 1.15rem;
  line-height: 1.35;
  color: #0B1A0F;
}
.section .inner h3:first-child { margin-top: 0; }
.section .inner h3 + p {
  margin-top: 0;
}

/* Mobile sticky call CTA */
.mobile-call-cta {
  display: none;
}
@media (max-width: 759px) {
  .mobile-call-cta {
    display: flex;
    position: fixed;
    bottom: 16px;
    left: 16px;
    right: 16px;
    z-index: 50;
    background: #15803D;
    color: #fff !important;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-width: 44px;
    min-height: 44px;
    padding: 14px 18px;
    border-radius: 999px;
    font-weight: 700;
    text-decoration: none;
    box-shadow: 0 6px 20px rgba(21, 128, 61, 0.4);
  }
  /* Add space at bottom of pages so content isn't hidden under sticky CTA */
  body { padding-bottom: 80px; }
}

/* NAP map card */
.nap-grid { align-items: stretch; }
.nap-info-card { display: flex; flex-direction: column; }
.nap-map-card {
  padding: 0 !important;
  overflow: hidden;
  min-height: 320px;
}
.nap-map-iframe {
  width: 100%;
  height: 100%;
  min-height: 320px;
  border: 0;
  display: block;
}

.cta-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: 24px;
}

@media (min-width: 600px) {
  .cta-grid { grid-template-columns: 1fr 1fr; }
}

.cta-card {
  padding: 28px;
  border: 1px solid var(--line, #E5E7EB);
  border-radius: 16px;
  background: #fff;
  text-align: center;
}

.cta-card .label {
  display: block;
  font-size: 0.78rem;
  color: var(--muted, #5C6C5F);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  margin-bottom: 10px;
}

.cta-card .value {
  display: block;
  font-size: 1.5rem;
  font-weight: 700;
  color: #15803D;
  text-decoration: none;
  margin-bottom: 8px;
}

.cta-card .sub {
  font-size: 0.9rem;
  color: var(--muted, #5C6C5F);
}

.footer {
  background: #0B1A0F;
  color: #cbd5c8;
  padding: 56px 24px 32px;
  font-size: 0.95rem;
}

/* Dark-footer overrides — high contrast on bg-deep */
.footer { background: #0F1B14; color: #ffffff; padding: 64px 0 32px; }
.footer a { color: #ffffff; text-decoration: none; }
.footer a:hover { color: #4ade80; }
.footer .footer-wordmark {
  color: #ffffff !important;
  font-size: 1.6rem !important;
  letter-spacing: -0.01em;
  margin-bottom: 14px !important;
}
.footer .footer-tagline { color: #c8d4ca !important; opacity: 1 !important; }
.footer .footer-contact p { color: #ffffff !important; }
.footer .footer-contact strong { color: #ffffff !important; }
.footer .footer-license { color: #9bb0a0 !important; }
.footer .footer-col a { color: #e6ede7 !important; font-size: 0.92rem !important; }
.footer .footer-col a:hover { color: #4ade80 !important; }
.footer .footer-col h2,
.footer .footer-col h3 {
  color: #4ade80 !important;
  font-size: 0.74rem !important;
  letter-spacing: 0.16em !important;
  opacity: 1 !important;
}
.footer .footer-phone {
  color: #ffffff !important;
  font-size: 1.15rem !important;
}
.footer .footer-phone:hover { color: #4ade80 !important; }
.footer .footer-divider {
  background: rgba(255,255,255,0.14);
  margin: 40px auto;
  max-width: 1180px;
}
.footer .footer-disclosure,
.footer .footer-copy { color: #9bb0a0 !important; font-size: 0.82rem; line-height: 1.55; }
.footer .footer-legal-row { margin-bottom: 18px; gap: 18px; }
.footer .footer-legal-row a {
  color: #c8d4ca !important;
  font-size: 0.88rem;
  font-weight: 600;
}
.footer .footer-legal-row a:hover { color: #4ade80 !important; }
.footer-grid {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  display: grid;
  gap: 28px;
  grid-template-columns: 1fr;
}
.footer-fineprint {
  width: min(100% - 32px, 1180px);
  margin: 0 auto;
  padding: 24px 0 0;
}
.footer .footer-divider {
  width: min(100% - 32px, 1180px);
  margin: 40px auto;
}

@media (min-width: 720px) {
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
}
@media (min-width: 1024px) {
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; }
}

/* Breadcrumb */
.breadcrumb { font-size: 0.85rem; color: var(--muted, #5C6C5F); }
.breadcrumb ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumb li { display: inline-flex; align-items: center; gap: 6px; }
.breadcrumb a { color: var(--muted, #5C6C5F); text-decoration: none; }
.breadcrumb a:hover { color: #15803D; text-decoration: underline; }
.breadcrumb-sep { color: #CBD5C8; }

/* Guide FAQ accordion */
.guide-faq details { border: 1px solid var(--line, #E5E7EB); border-radius: 10px; padding: 14px 18px; margin-bottom: 10px; background: #fff; }
.guide-faq summary { cursor: pointer; font-weight: 700; font-family: var(--font-display, Arial, sans-serif); }
.guide-faq details[open] summary { color: #15803D; }
.guide-faq p { margin: 10px 0 0; color: var(--ink-warm, #1A2B1E); }

/* Phase 1.1 ContactForm */
.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}
@media (min-width: 600px) {
  .form-grid { grid-template-columns: 1fr 1fr; }
}
.form-grid label,
.checkbox-row {
  font-size: 0.9rem;
  color: var(--ink-warm, #1A2B1E);
  font-weight: 600;
}
.form-grid label { display: flex; flex-direction: column; gap: 6px; }
.form-grid input,
.form-grid select {
  font-family: inherit;
  font-size: 1rem;
  padding: 10px 12px;
  border: 1px solid var(--line, #E5E7EB);
  border-radius: 8px;
  background: #fff;
}
.form-grid input:focus,
.form-grid select:focus {
  border-color: #15803D;
  outline: 2px solid #BBF7D0;
  outline-offset: 0;
}
.checkbox-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  font-weight: normal;
}

/* Glossary list */
.glossary-list { margin: 0; padding: 0; }
.glossary-entry { padding: 16px 0; border-bottom: 1px solid var(--line, #E5E7EB); }
.glossary-entry dt { font-weight: 700; font-family: var(--font-display, Arial, sans-serif); color: var(--ink, #0B1A0F); }
.glossary-entry dd { margin: 6px 0 0 0; color: var(--ink-warm, #1A2B1E); }
.glossary-item { padding: 18px 0; border-bottom: 1px solid #E5E7EB; }
.glossary-item dt { font-weight: 700; color: #0B1A0F; font-size: 1.1rem; margin-bottom: 6px; }
.glossary-item dd { margin: 0; color: #1A2B1E; max-width: 70ch; }