/* ============================================
   SUNSHINE UNDERWRITERS LLC — STYLESHEET
   ============================================ */

/* === CSS Custom Properties === */
:root {
    --navy:          #0D2B4E;
    --navy-light:    #163D6E;
    --navy-dark:     #08192e;
    --gold:          #F2A900;
    --gold-dark:     #D4920A;
    --gold-light:    #FFC73A;
    --bg:            #F4F7FA;
    --bg-dark:       #E8EEF5;
    --white:         #FFFFFF;
    --text:          #1A2535;
    --text-muted:    #5A6B80;
    --border:        #DDE4EE;
    --shadow-sm:     0 2px 10px rgba(13, 43, 78, 0.06);
    --shadow:        0 6px 28px rgba(13, 43, 78, 0.10);
    --shadow-lg:     0 16px 56px rgba(13, 43, 78, 0.16);
    --radius:        12px;
    --radius-sm:     8px;
    --transition:    0.28s ease;
    --nav-height:    72px;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

a {
    color: inherit;
    text-decoration: none;
}

ul {
    list-style: none;
}

address {
    font-style: normal;
}

/* === Container === */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
}

/* ============================================
   BUTTONS
   ============================================ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 13px 30px;
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.92rem;
    font-weight: 600;
    letter-spacing: 0.01em;
    cursor: pointer;
    border: 2px solid transparent;
    transition: all var(--transition);
    white-space: nowrap;
    text-decoration: none;
    line-height: 1;
}

.btn-primary {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
}

.btn-primary:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(242, 169, 0, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.55);
}

.btn-outline:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: var(--white);
}

.btn-outline-white {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.7);
}

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

.btn-text {
    background: none;
    border: none;
    color: var(--gold-dark);
    font-weight: 600;
    font-size: 0.875rem;
    padding: 0;
    cursor: pointer;
    font-family: inherit;
    transition: color var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.btn-text:hover {
    color: var(--navy);
}

.btn-review {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 32px;
    border-radius: var(--radius-sm);
    background: var(--white);
    color: var(--navy);
    border: 2px solid var(--white);
    font-weight: 700;
    font-size: 0.95rem;
    cursor: pointer;
    transition: all var(--transition);
}

.btn-review:hover {
    background: transparent;
    color: var(--white);
}

/* ============================================
   SECTION SHARED STYLES
   ============================================ */

.section-label {
    display: block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--gold-dark);
    margin-bottom: 14px;
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header h2 {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.15;
    margin-bottom: 18px;
}

.section-sub {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 580px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ============================================
   NAVIGATION
   ============================================ */

.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 900;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    transition: box-shadow var(--transition);
}

.navbar.scrolled {
    box-shadow: 0 4px 20px rgba(13, 43, 78, 0.10);
}

.nav-container {
    display: flex;
    align-items: center;
    height: var(--nav-height);
    gap: 16px;
}

.nav-logo img {
    height: 50px;
    width: auto;
    object-fit: contain;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-left: auto;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 4px;
}

.nav-links a {
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-muted);
    padding: 6px 12px;
    border-radius: 6px;
    transition: color var(--transition), background var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--navy);
    background: var(--bg);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-left: 8px;
    padding-left: 20px;
    border-left: 1px solid var(--border);
}

.nav-phone {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--navy);
    white-space: nowrap;
    transition: color var(--transition);
}

.nav-phone:hover {
    color: var(--gold-dark);
}

/* Hamburger */
.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    margin-left: auto;
    border-radius: 6px;
    transition: background var(--transition);
}

.hamburger:hover {
    background: var(--bg);
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: all var(--transition);
}

.hamburger.open span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.hamburger.open span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}

.hamburger.open span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* ============================================
   HERO
   ============================================ */

.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background-image: url('Images/hero image.jpg');
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
    padding-top: var(--nav-height);
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(8, 25, 46, 0.90) 0%,
        rgba(13, 43, 78, 0.72) 60%,
        rgba(13, 43, 78, 0.50) 100%
    );
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 680px;
    padding: 80px 28px;
    margin: 0 auto;
    text-align: center;
}

.hero-eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--gold);
    margin-bottom: 20px;
}

.hero-content h1 {
    font-size: 3.8rem;
    font-weight: 900;
    color: var(--white);
    line-height: 1.08;
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.hero-sub {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.82);
    margin-bottom: 40px;
    line-height: 1.75;
    max-width: 540px;
    margin-left: auto;
    margin-right: auto;
}

.hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 36px;
    justify-content: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 14px;
    background: rgba(255, 255, 255, 0.10);
    border: 1px solid rgba(255, 255, 255, 0.22);
    border-radius: 50px;
    padding: 10px 22px;
    font-size: 0.78rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.88);
    letter-spacing: 0.04em;
}

.badge-divider {
    color: rgba(255, 255, 255, 0.35);
}

/* ============================================
   SERVICES
   ============================================ */

.services {
    padding: 110px 0;
    background: var(--bg);
}

.services-grid {
    scroll-margin-top: calc(var(--nav-height) + 16px);
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.service-card {
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: transform var(--transition), box-shadow var(--transition);
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
}

.service-img-wrap {
    position: relative;
    height: 195px;
    overflow: hidden;
}

.service-img-wrap img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.service-card:hover .service-img-wrap img {
    transform: scale(1.06);
}

.service-img-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to top,
        rgba(13, 43, 78, 0.45) 0%,
        transparent 55%
    );
}

.service-body {
    padding: 26px;
}

.service-icon {
    width: 48px;
    height: 48px;
    background: rgba(242, 169, 0, 0.12);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold-dark);
    margin-bottom: 14px;
    overflow: visible;
}

.service-body h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
}

.service-body p {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 18px;
}

/* ============================================
   ABOUT
   ============================================ */

.about {
    padding: 110px 0;
    background: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-img-wrap {
    position: relative;
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    flex-shrink: 0;
}

.about-img-wrap img {
    width: 100%;
    height: 540px;
    object-fit: cover;
    display: block;
}

.about-badge {
    position: absolute;
    bottom: 28px;
    right: 28px;
    background: var(--gold);
    border-radius: var(--radius-sm);
    padding: 10px 16px;
    text-align: center;
    box-shadow: var(--shadow);
}

.about-badge-num {
    display: block;
    font-size: 1.6rem;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.1;
    letter-spacing: -0.01em;
}

.about-badge-text {
    display: block;
    font-size: 0.68rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--navy);
    opacity: 0.75;
    margin-bottom: 4px;
}

.about-content h2 {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.15;
    margin-bottom: 24px;
    letter-spacing: -0.01em;
}

.about-content > p {
    color: var(--text-muted);
    line-height: 1.75;
    margin-bottom: 16px;
}

.value-props {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-top: 36px;
}

.value-prop {
    display: flex;
    gap: 12px;
    align-items: flex-start;
}

.value-check {
    flex-shrink: 0;
    width: 26px;
    height: 26px;
    background: var(--gold);
    color: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.8rem;
    margin-top: 2px;
}

.value-prop strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.value-prop p {
    font-size: 0.825rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin: 0;
}

/* ============================================
   FEATURED PARTNERS
   ============================================ */

.partners {
    padding: 90px 0;
    background: var(--bg);
    overflow: hidden;
}

.partners-track-wrap {
    position: relative;
    overflow: hidden;
    margin-top: 8px;
}

/* Fade left/right edges */
.partners-track-wrap::before,
.partners-track-wrap::after {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    width: 140px;
    z-index: 2;
    pointer-events: none;
}

.partners-track-wrap::before {
    left: 0;
    background: linear-gradient(to right, var(--bg) 0%, transparent 100%);
}

.partners-track-wrap::after {
    right: 0;
    background: linear-gradient(to left, var(--bg) 0%, transparent 100%);
}

.partners-track {
    display: flex;
    align-items: center;
    gap: 64px;
    padding: 24px 0;
    animation: ticker 35s linear infinite;
    width: max-content;
}

.partners-track:hover {
    animation-play-state: paused;
}

.partners-track img {
    height: 48px;
    width: auto;
    object-fit: contain;
    flex-shrink: 0;
    filter: grayscale(25%);
    opacity: 0.82;
    transition: filter var(--transition), opacity var(--transition);
}

.partners-track img:hover {
    filter: grayscale(0%);
    opacity: 1;
}

@keyframes ticker {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* ============================================
   REVIEWS / TESTIMONIALS
   ============================================ */

.reviews {
    padding: 110px 0;
    background: var(--navy);
}

.reviews .section-label {
    color: var(--gold);
}

.reviews .section-header h2 {
    color: var(--white);
}

.overall-rating {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin-top: 12px;
}

.rating-stars {
    font-size: 1.4rem;
    color: var(--gold);
    letter-spacing: 3px;
    line-height: 1;
}

.overall-rating span {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.65);
    font-weight: 500;
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 52px;
}

.review-card {
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.11);
    border-radius: var(--radius);
    padding: 30px;
    display: flex;
    flex-direction: column;
    transition: background var(--transition), border-color var(--transition);
}

.review-card:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.20);
}

.review-stars {
    font-size: 0.95rem;
    color: var(--gold);
    letter-spacing: 3px;
    margin-bottom: 16px;
}

.review-text {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.84);
    line-height: 1.72;
    font-style: italic;
    margin-bottom: 24px;
    flex: 1;
}

.reviewer {
    display: flex;
    align-items: center;
    gap: 12px;
}

.reviewer-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.05rem;
    flex-shrink: 0;
}

.reviewer-info strong {
    display: block;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--white);
}

.reviewer-info span {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.45);
}

.reviews-footer {
    text-align: center;
}

/* ============================================
   MEET YOUR AGENT
   ============================================ */

.agent {
    padding: 110px 0;
    background: var(--bg);
}

.agent-grid {
    display: grid;
    grid-template-columns: 380px 1fr;
    gap: 80px;
    align-items: center;
    scroll-margin-top: var(--nav-height);
}

.agent-img-wrap {
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    flex-shrink: 0;
}

.agent-img-wrap img {
    width: 100%;
    height: 520px;
    object-fit: cover;
    object-position: top center;
    display: block;
}

.agent-content .section-label {
    margin-bottom: 12px;
}

.agent-content h2 {
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
    letter-spacing: -0.02em;
}

.agent-title {
    font-size: 0.875rem;
    color: var(--text-muted);
    font-weight: 500;
    margin-bottom: 26px;
}

.agent-bio {
    color: var(--text-muted);
    line-height: 1.75;
    margin-bottom: 36px;
}

.agent-contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
    margin-bottom: 36px;
}

.agent-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.875rem;
    color: var(--text);
    text-decoration: none;
    transition: color var(--transition);
}

a.agent-contact-item:hover {
    color: var(--navy);
}

a.agent-contact-item:hover .contact-icon-wrap {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
}

.contact-icon-wrap {
    width: 38px;
    height: 38px;
    background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    flex-shrink: 0;
    transition: all var(--transition);
}

.contact-label {
    display: block;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--text-muted);
    margin-bottom: 3px;
}

.contact-value {
    display: block;
    font-weight: 600;
    color: var(--navy);
    font-size: 0.875rem;
    line-height: 1.4;
}

/* ============================================
   CTA STRIP
   ============================================ */

.cta-strip {
    padding: 90px 0;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    position: relative;
    overflow: hidden;
}

.cta-strip::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 320px;
    height: 320px;
    background: rgba(242, 169, 0, 0.07);
    border-radius: 50%;
}

.cta-strip::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -40px;
    width: 240px;
    height: 240px;
    background: rgba(255, 255, 255, 0.04);
    border-radius: 50%;
}

.cta-content {
    position: relative;
    z-index: 1;
    text-align: center;
}

.cta-content h2 {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 18px;
    line-height: 1.2;
}

.cta-content p {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.72);
    margin-bottom: 40px;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
}

.cta-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ============================================
   FOOTER
   ============================================ */

.footer {
    background: var(--navy-dark);
    padding: 80px 0 0;
    color: rgba(255, 255, 255, 0.68);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.6fr;
    gap: 52px;
    margin-bottom: 60px;
}

.footer-logo {
    height: 52px;
    width: auto;
    margin-bottom: 18px;
    object-fit: contain;
}

.footer-brand p {
    font-size: 0.875rem;
    line-height: 1.72;
    margin-bottom: 22px;
    max-width: 280px;
}

.footer-social {
    display: flex;
    gap: 10px;
}

.footer-social a {
    width: 38px;
    height: 38px;
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.68);
    transition: all var(--transition);
}

.footer-social a:hover {
    background: var(--gold);
    color: var(--navy);
}

.footer-col h4 {
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--white);
    margin-bottom: 20px;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul a {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.58);
    transition: color var(--transition);
}

.footer-col ul a:hover {
    color: var(--gold);
}

.footer-contact-col address p {
    font-size: 0.875rem;
    margin-bottom: 10px;
    line-height: 1.65;
    color: rgba(255, 255, 255, 0.58);
}

.footer-contact-col a {
    color: rgba(255, 255, 255, 0.58);
    transition: color var(--transition);
}

.footer-contact-col a:hover {
    color: var(--gold);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.07);
    padding: 24px 0;
}

.footer-bottom-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 8px;
}

.footer-bottom p {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.35);
}

/* ============================================
   MODAL
   ============================================ */

.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(8, 25, 46, 0.72);
    backdrop-filter: blur(5px);
    -webkit-backdrop-filter: blur(5px);
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    transition: opacity var(--transition), visibility var(--transition);
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal {
    background: var(--white);
    border-radius: 16px;
    padding: 48px 44px;
    width: 100%;
    max-width: 500px;
    position: relative;
    transform: translateY(24px) scale(0.98);
    transition: transform 0.32s ease;
    max-height: 92vh;
    overflow-y: auto;
}

.modal-overlay.active .modal {
    transform: translateY(0) scale(1);
}

.modal-close {
    position: absolute;
    top: 18px;
    right: 22px;
    background: none;
    border: none;
    font-size: 1.8rem;
    color: var(--text-muted);
    cursor: pointer;
    line-height: 1;
    transition: color var(--transition);
    font-family: inherit;
}

.modal-close:hover {
    color: var(--navy);
}

.modal h2 {
    font-size: 1.55rem;
    font-weight: 800;
    color: var(--navy);
    text-align: center;
    margin-bottom: 8px;
}

.modal-sub {
    font-size: 0.875rem;
    color: var(--text-muted);
    text-align: center;
    margin-bottom: 30px;
    line-height: 1.55;
}

.hidden-field {
    display: none;
}

.form-group {
    margin-bottom: 14px;
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 14px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.925rem;
    font-family: inherit;
    color: var(--text);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
    appearance: none;
    -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus {
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(13, 43, 78, 0.08);
}

.form-group input::placeholder {
    color: #A8B5C6;
}

.form-group select {
    color: #A8B5C6;
    cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235A6B80' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 44px;
}

.form-group select.has-value {
    color: var(--text);
}

/* File upload */
.file-group {
    display: flex;
    align-items: center;
    justify-content: space-between;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    cursor: pointer;
    transition: border-color var(--transition);
    margin-bottom: 8px;
}

.file-group:hover {
    border-color: var(--navy);
}

.file-label {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-size: 0.9rem;
    color: var(--text-muted);
    flex: 1;
}

.file-label svg {
    color: var(--text-muted);
    flex-shrink: 0;
}

#file-input {
    display: none;
}

.attachment-count {
    font-size: 0.8rem;
    color: var(--text-muted);
    white-space: nowrap;
}

.form-note {
    font-size: 0.775rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin-bottom: 20px;
}

.btn-submit {
    width: 100%;
    padding: 15px;
    font-size: 0.95rem;
    letter-spacing: 0.07em;
    font-weight: 700;
}

/* Form success state */
.form-success {
    display: none;
    text-align: center;
    padding: 20px 0;
}

.form-success.visible {
    display: block;
}

#quote-form.hidden {
    display: none;
}

.success-icon {
    width: 64px;
    height: 64px;
    background: #E8F5E9;
    color: #2E7D32;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.form-success h3 {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 10px;
}

.form-success p {
    color: var(--text-muted);
    margin-bottom: 28px;
    line-height: 1.6;
}

/* ============================================
   RESPONSIVE — TABLET (max 1100px)
   ============================================ */

@media (max-width: 1100px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .reviews-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }
}

/* ============================================
   RESPONSIVE — TABLET PORTRAIT (max 900px)
   ============================================ */

@media (max-width: 900px) {
    .section-header h2 {
        font-size: 2rem;
    }

    .about-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .about-img-wrap img {
        height: 360px;
    }

    .value-props {
        grid-template-columns: 1fr;
    }

    .agent-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .agent-img-wrap img {
        height: 420px;
        object-position: top;
    }

    .agent-content h2 {
        font-size: 2rem;
    }

    .cta-content h2 {
        font-size: 2rem;
    }
}

/* ============================================
   RESPONSIVE — MOBILE (max 768px)
   ============================================ */

@media (max-width: 768px) {
    :root {
        --nav-height: 64px;
    }

    .nav-menu {
        display: none;
        position: fixed;
        top: 64px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        align-items: stretch;
        padding: 20px 28px;
        border-bottom: 1px solid var(--border);
        box-shadow: 0 12px 32px rgba(13, 43, 78, 0.12);
        z-index: 800;
        gap: 20px;
    }

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

    .nav-links {
        flex-direction: column;
        align-items: flex-start;
        gap: 4px;
    }

    .nav-links a {
        padding: 10px 14px;
        width: 100%;
        border-radius: 8px;
        font-size: 1rem;
    }

    .nav-actions {
        flex-direction: column;
        align-items: stretch;
        padding: 0;
        border-left: none;
        border-top: 1px solid var(--border);
        padding-top: 20px;
        margin: 0;
    }

    .nav-actions .btn {
        text-align: center;
        justify-content: center;
        padding: 14px;
    }

    .hamburger {
        display: flex;
    }

    .hero-content h1 {
        font-size: 2.6rem;
    }

    .hero-sub {
        font-size: 1rem;
    }

    .hero-badge {
        flex-wrap: wrap;
        gap: 8px;
    }

    .services-grid {
        grid-template-columns: 1fr;
    }

    .reviews-grid {
        grid-template-columns: 1fr;
    }

    .agent-contact-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .footer-bottom-inner {
        flex-direction: column;
        text-align: center;
        gap: 6px;
    }

    .modal {
        padding: 36px 28px;
    }
}

/* ============================================
   RESPONSIVE — SMALL MOBILE (max 480px)
   ============================================ */

@media (max-width: 480px) {
    .hero-content h1 {
        font-size: 2.1rem;
    }

    .hero-actions {
        flex-direction: column;
    }

    .cta-actions {
        flex-direction: column;
        align-items: center;
    }

    .cta-actions .btn {
        width: 100%;
        max-width: 320px;
        justify-content: center;
    }

    .section-header h2 {
        font-size: 1.75rem;
    }

    .hero-badge .badge-divider {
        display: none;
    }
}