/*
 * MotorBind Insurance — static site stylesheet.
 * Design intent: an established, traditional, trustworthy auto insurer —
 * deep navy + brass/gold, serif display type, restrained motion — rather
 * than a flashy modern startup look.
 */

/* ==========================================================================
   BRAND TOKENS
   ========================================================================== */
:root {
	/* Primary palette — deep navy, unchanged in spirit from the original theme */
	--color-navy-900: #0a1f44;
	--color-navy-800: #0f2a5c;
	--color-navy-700: #16397a;
	--color-navy-600: #1d4a9e;
	--color-blue-500: #2f5aa8;
	--color-blue-100: #e8edf6;

	/* Accent — brass/gold instead of amber-orange: reads as established/traditional */
	--color-gold-500: #a9822a;
	--color-gold-600: #8a6a1f;
	--color-gold-100: #f6efdc;

	/* Status / utility */
	--color-success: #1a6e46;
	--color-danger: #8c2f24;

	/* Neutrals */
	--color-white: #ffffff;
	--color-gray-50: #f8f7f3;
	--color-gray-100: #efece3;
	--color-gray-200: #ddd7c8;
	--color-gray-400: #93887a;
	--color-gray-600: #5c5548;
	--color-gray-800: #2b271f;
	--color-gray-900: #171410;

	/* Type — serif headings for a traditional, established feel; system sans body */
	--font-heading: 'Merriweather', Georgia, 'Times New Roman', serif;
	--font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

	/* Layout */
	--container-width: 1200px;
	--radius-sm: 4px;
	--radius-md: 6px;
	--radius-lg: 10px;
	--shadow-sm: 0 1px 3px rgba(10, 31, 68, 0.1);
	--shadow-md: 0 8px 24px rgba(10, 31, 68, 0.12);
	--space-1: 0.25rem;
	--space-2: 0.5rem;
	--space-3: 1rem;
	--space-4: 1.5rem;
	--space-5: 2rem;
	--space-6: 3rem;
	--space-7: 4.5rem;
	--transition-fast: 150ms ease;
}

/* ==========================================================================
   RESET
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
	margin: 0;
	font-family: var(--font-body);
	font-size: 1rem;
	line-height: 1.65;
	color: var(--color-gray-800);
	background-color: var(--color-white);
}

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

a { color: var(--color-navy-700); text-decoration: none; }
a:hover, a:focus { text-decoration: underline; }

ul, ol { padding-left: 1.25rem; }
button { font-family: inherit; }

/* ==========================================================================
   ACCESSIBILITY
   ========================================================================== */
.screen-reader-text {
	border: 0; clip: rect(1px, 1px, 1px, 1px); clip-path: inset(50%);
	height: 1px; width: 1px; margin: -1px; overflow: hidden; padding: 0;
	position: absolute !important; word-wrap: normal !important;
}

.skip-link {
	position: absolute; left: -9999px; top: 0; z-index: 100000;
	background: var(--color-white); color: var(--color-navy-900);
	padding: var(--space-2) var(--space-3); border-radius: var(--radius-sm);
	font-weight: 700;
}
.skip-link:focus { left: var(--space-3); top: var(--space-3); }

:focus-visible { outline: 3px solid var(--color-gold-500); outline-offset: 2px; }

/* ==========================================================================
   TYPOGRAPHY
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
	font-family: var(--font-heading);
	color: var(--color-navy-900);
	line-height: 1.3;
	margin: 0 0 var(--space-3);
	font-weight: 700;
}

h1 { font-size: clamp(2rem, 1.5rem + 1.8vw, 3rem); }
h2 { font-size: clamp(1.5rem, 1.3rem + 1vw, 2.125rem); }
h3 { font-size: 1.25rem; }

p { margin: 0 0 var(--space-3); }

.eyebrow {
	display: inline-block; text-transform: uppercase; letter-spacing: 0.1em;
	font-size: 0.75rem; font-weight: 700; color: var(--color-gold-600);
	margin-bottom: var(--space-2);
}

.section-heading { max-width: 640px; margin-inline: auto; text-align: center; margin-bottom: var(--space-6); }
.section-heading p { color: var(--color-gray-600); }

/* ==========================================================================
   LAYOUT PRIMITIVES
   ========================================================================== */
.container { width: 100%; max-width: var(--container-width); margin-inline: auto; padding-inline: var(--space-4); }
.section { padding-block: var(--space-7); }
.section--alt { background-color: var(--color-gray-50); }
.section--navy { background-color: var(--color-navy-900); color: var(--color-gray-200); }
.section--navy h1, .section--navy h2, .section--navy h3 { color: var(--color-white); }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
	padding: 0.85rem 1.75rem; border-radius: var(--radius-md); font-weight: 700; font-size: 1rem;
	border: 2px solid transparent; cursor: pointer;
	transition: background-color var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast), transform var(--transition-fast);
	text-decoration: none; line-height: 1.2;
}
.btn:hover, .btn:focus-visible { text-decoration: none; transform: translateY(-1px); }
.btn-lg { padding: 1rem 2.25rem; font-size: 1.0625rem; }

.btn-primary { background-color: var(--color-gold-500); color: var(--color-navy-900); border-color: var(--color-gold-500); }
.btn-primary:hover, .btn-primary:focus-visible { background-color: var(--color-gold-600); border-color: var(--color-gold-600); color: var(--color-white); }

.btn-secondary { background-color: transparent; color: var(--color-white); border-color: var(--color-white); }
.btn-secondary:hover, .btn-secondary:focus-visible { background-color: var(--color-white); color: var(--color-navy-900); }

.btn-outline { background-color: transparent; color: var(--color-navy-800); border-color: var(--color-navy-800); }
.btn-outline:hover, .btn-outline:focus-visible { background-color: var(--color-navy-800); color: var(--color-white); }

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

/* ==========================================================================
   TOP BAR + HEADER
   ========================================================================== */
.top-bar { background-color: var(--color-navy-900); color: var(--color-gray-200); font-size: 0.8125rem; }
.top-bar-inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-3); padding-block: var(--space-2); }
.top-bar-message { margin: 0; }
.top-bar-contact a { display: inline-flex; align-items: center; gap: var(--space-2); color: var(--color-white); }
.top-bar-contact svg { width: 14px; height: 14px; }

.site-header { background-color: var(--color-white); box-shadow: var(--shadow-sm); position: sticky; top: 0; z-index: 500; border-bottom: 3px solid var(--color-gold-500); }
.site-header-inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-4); padding-block: var(--space-3); }

.site-title-link { text-decoration: none; display: inline-flex; align-items: center; gap: var(--space-2); }
.site-emblem { color: var(--color-gold-600); flex-shrink: 0; }
.site-emblem svg { width: 34px; height: 34px; }
.site-title { font-family: var(--font-heading); font-weight: 900; font-size: 1.375rem; color: var(--color-navy-900); line-height: 1.1; }
.site-title-accent { display: block; font-family: var(--font-body); font-weight: 400; font-size: 0.6875rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-gray-600); }
.site-title--footer { color: var(--color-white); }
.site-title--footer .site-title-accent { color: var(--color-gray-400); }

.main-navigation { flex: 1; display: flex; justify-content: center; }
.primary-menu-container { display: flex; }
.primary-menu { display: flex; align-items: center; gap: var(--space-5); list-style: none; margin: 0; padding: 0; }
.primary-menu a { color: var(--color-navy-800); font-weight: 600; text-decoration: none; padding: var(--space-2) 0; display: inline-block; }
.primary-menu a:hover, .primary-menu a:focus-visible { color: var(--color-gold-600); }

.menu-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; padding: var(--space-2); cursor: pointer; }
.menu-toggle-bar { width: 24px; height: 2px; background-color: var(--color-navy-900); display: block; }
.site-header-cta { flex-shrink: 0; }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer { background-color: var(--color-navy-900); color: var(--color-gray-200); }
.footer-columns { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: var(--space-5); padding-block: var(--space-7); }
.footer-column ul { list-style: none; margin: 0; padding: 0; }
.footer-column li + li { margin-top: var(--space-2); }
.footer-column a { color: var(--color-gray-200); }
.footer-menu { list-style: none; margin: 0; padding: 0; }
.footer-menu li + li { margin-top: var(--space-2); }
.footer-widget-title { color: var(--color-white); font-size: 1rem; margin-bottom: var(--space-3); }
.social-links { display: flex; gap: var(--space-3); list-style: none; margin: var(--space-3) 0 0; padding: 0; }
.claims-phone-link { font-size: 1.25rem; font-weight: 700; color: var(--color-gold-500) !important; }
.sub-footer { border-top: 1px solid rgba(255, 255, 255, 0.12); }
.sub-footer-inner { display: flex; justify-content: space-between; gap: var(--space-3); padding-block: var(--space-4); font-size: 0.8125rem; color: var(--color-gray-400); }
.sub-footer p { margin: 0; }

/* ==========================================================================
   GENERIC GRIDS
   ========================================================================== */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.card-grid--3 { grid-template-columns: repeat(3, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.pricing-table { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); align-items: stretch; }
.office-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); margin-top: var(--space-5); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); text-align: center; }
.trust-badges-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--space-4); padding-block: var(--space-5); }

/* ==========================================================================
   HERO
   ========================================================================== */
.hero { background: linear-gradient(180deg, var(--color-gold-100) 0%, var(--color-white) 60%); padding-block: var(--space-7); }
.hero-inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--space-6); align-items: center; }
.hero-lede { font-size: 1.125rem; color: var(--color-gray-600); max-width: 42ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-bottom: var(--space-3); }
.hero-microcopy { color: var(--color-gray-600); font-size: 0.9375rem; }
.hero-media-placeholder { background-color: var(--color-navy-900); border-radius: var(--radius-lg); padding: var(--space-5); border: 3px solid var(--color-gold-500); }

/* ==========================================================================
   TRUST BADGES
   ========================================================================== */
.trust-badge { display: flex; align-items: center; gap: var(--space-2); color: var(--color-navy-700); font-weight: 600; font-size: 0.9375rem; }
.trust-badge svg { width: 22px; height: 22px; color: var(--color-gold-500); }

/* ==========================================================================
   CARDS (insurance types / why choose us / about values)
   ========================================================================== */
.insurance-type-card, .reason-card {
	background-color: var(--color-white); border: 1px solid var(--color-gray-200);
	border-radius: var(--radius-lg); padding: var(--space-5);
	transition: box-shadow var(--transition-fast), transform var(--transition-fast);
}
.insurance-type-card:hover, .reason-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.insurance-type-icon, .reason-icon {
	display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px;
	border-radius: var(--radius-md); background-color: var(--color-navy-900); color: var(--color-gold-500);
	margin-bottom: var(--space-3);
}
.insurance-type-icon svg, .reason-icon svg { width: 26px; height: 26px; }
.insurance-type-card h3, .reason-card h3 { font-size: 1.125rem; }
.insurance-type-card p, .reason-card p { color: var(--color-gray-600); margin-bottom: 0; }

/* ==========================================================================
   PRICING TABLE
   ========================================================================== */
.pricing-card { position: relative; display: flex; flex-direction: column; background-color: var(--color-white); border: 2px solid var(--color-gray-200); border-radius: var(--radius-lg); padding: var(--space-5); }
.pricing-card.is-featured { border-color: var(--color-gold-500); box-shadow: var(--shadow-md); }
.pricing-badge { position: absolute; top: -14px; left: var(--space-4); background-color: var(--color-gold-500); color: var(--color-navy-900); font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; padding: var(--space-1) var(--space-3); border-radius: 999px; }
.pricing-name { margin-bottom: var(--space-2); }
.pricing-price { margin-bottom: var(--space-3); }
.price-amount { font-family: var(--font-heading); font-size: 2.25rem; font-weight: 900; color: var(--color-navy-900); }
.price-amount--custom { font-size: 1.5rem; }
.price-period { color: var(--color-gray-600); }
.pricing-description { color: var(--color-gray-600); margin-bottom: var(--space-3); }
.pricing-features { list-style: none; margin: 0 0 var(--space-5); padding: 0; flex: 1; }
.pricing-features li { display: flex; align-items: flex-start; gap: var(--space-2); padding-block: var(--space-1); }
.feature-icon { color: var(--color-success); flex-shrink: 0; margin-top: 3px; }
.feature-icon svg { width: 16px; height: 16px; }
.pricing-disclaimer { text-align: center; color: var(--color-gray-400); font-size: 0.8125rem; margin-top: var(--space-5); }

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.testimonial-card { background-color: var(--color-white); border: 1px solid var(--color-gray-200); border-radius: var(--radius-lg); padding: var(--space-5); margin: 0; }
.star-rating { display: flex; gap: 2px; margin-bottom: var(--space-3); color: var(--color-gray-200); }
.star-rating .star.is-filled { color: var(--color-gold-500); }
.star-rating svg { width: 16px; height: 16px; }
.testimonial-card blockquote { margin: 0 0 var(--space-4); font-style: italic; color: var(--color-gray-800); }
.testimonial-author { display: flex; align-items: center; gap: var(--space-3); }
.testimonial-author-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--color-navy-900); color: var(--color-gold-500); display: flex; align-items: center; justify-content: center; font-family: var(--font-heading); font-weight: 700; flex-shrink: 0; }
.author-name { display: block; font-weight: 700; color: var(--color-navy-900); }
.author-location { display: block; font-size: 0.8125rem; color: var(--color-gray-600); }

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--color-gray-200); padding-block: var(--space-3); }
.faq-question { cursor: pointer; font-weight: 700; color: var(--color-navy-900); display: flex; align-items: center; justify-content: space-between; list-style: none; }
.faq-question::-webkit-details-marker { display: none; }
.faq-toggle-icon { font-size: 1.25rem; color: var(--color-gold-600); transition: transform var(--transition-fast); }
.faq-item[open] .faq-toggle-icon { transform: rotate(45deg); }
.faq-answer { color: var(--color-gray-600); padding-top: var(--space-2); }

/* ==========================================================================
   BREADCRUMBS
   ========================================================================== */
.breadcrumbs { margin-bottom: var(--space-4); }
.breadcrumbs-list { display: flex; flex-wrap: wrap; gap: var(--space-2); list-style: none; margin: 0; padding: 0; font-size: 0.8125rem; color: var(--color-gray-600); }
.breadcrumbs-list a { color: var(--color-gray-600); }

/* ==========================================================================
   STEPS LIST (Claims)
   ========================================================================== */
.steps-list { list-style: none; margin: 0; padding: 0; max-width: 760px; margin-inline: auto; }
.step-item { display: flex; gap: var(--space-4); padding-block: var(--space-4); border-bottom: 1px solid var(--color-gray-200); }
.step-item:last-child { border-bottom: none; }
.step-number { flex-shrink: 0; display: flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background-color: var(--color-navy-900); color: var(--color-gold-500); font-weight: 700; font-family: var(--font-heading); }
.step-body h3 { margin-bottom: var(--space-1); }
.step-body p { color: var(--color-gray-600); margin-bottom: 0; }

/* ==========================================================================
   EMERGENCY CARD (Claims hero)
   ========================================================================== */
.claims-hero-inner { display: grid; grid-template-columns: 1.4fr 1fr; gap: var(--space-6); align-items: center; padding-block: var(--space-7); }
.emergency-card { background-color: rgba(255, 255, 255, 0.06); border: 1px solid rgba(255, 255, 255, 0.2); border-radius: var(--radius-lg); padding: var(--space-5); text-align: center; }
.emergency-card-label { display: block; text-transform: uppercase; font-size: 0.75rem; letter-spacing: 0.08em; color: var(--color-gray-400); margin-bottom: var(--space-2); }
.emergency-card-phone { display: flex; align-items: center; justify-content: center; gap: var(--space-2); font-size: 1.5rem; font-weight: 800; color: var(--color-gold-500) !important; margin-bottom: var(--space-2); }
.emergency-card p { color: var(--color-gray-400); font-size: 0.8125rem; margin: 0; }
.claims-contact-inner { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-6); }
.claims-contact-list { list-style: none; margin: var(--space-4) 0; padding: 0; }
.claims-contact-list li + li { margin-top: var(--space-2); }

/* ==========================================================================
   ABOUT PAGE
   ========================================================================== */
.about-content { max-width: 760px; margin-inline: auto; }
.stat-value { display: block; font-family: var(--font-heading); font-size: 2.25rem; font-weight: 900; color: var(--color-white); }
.stat-label { display: block; color: var(--color-gray-400); font-size: 0.875rem; margin-top: var(--space-1); }

/* ==========================================================================
   CONTACT PAGE / OFFICE CARDS / MAP
   ========================================================================== */
.contact-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: var(--space-6); margin-bottom: var(--space-7); }
.contact-map-heading, .contact-offices-heading { margin-top: var(--space-7); margin-bottom: var(--space-4); text-align: left; }
.contact-info-card { background-color: var(--color-gray-50); border-radius: var(--radius-lg); padding: var(--space-5); }
.contact-info-card ul { list-style: none; margin: var(--space-3) 0 0; padding: 0; }
.contact-info-card li { display: flex; align-items: center; gap: var(--space-2); padding-block: var(--space-2); }

.office-card { border: 1px solid var(--color-gray-200); border-radius: var(--radius-lg); overflow: hidden; background-color: var(--color-white); }
.office-body { padding: var(--space-4); }
.office-body p { display: flex; align-items: flex-start; gap: var(--space-2); margin-bottom: var(--space-2); color: var(--color-gray-600); }
.office-icon { color: var(--color-navy-700); flex-shrink: 0; margin-top: 2px; }
.office-icon svg { width: 16px; height: 16px; }

.map-embed { border-radius: var(--radius-lg); overflow: hidden; background-color: var(--color-gray-100); }
.map-embed iframe { width: 100%; height: 400px; border: 0; display: block; }
.map-embed-placeholder { height: 320px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: var(--space-3); color: var(--color-gray-400); text-align: center; padding: var(--space-4); }
.map-embed-icon svg { width: 40px; height: 40px; }

/* ==========================================================================
   ENTRY CONTENT / MISC
   ========================================================================== */
.entry-content > * + * { margin-top: var(--space-4); }
.admin-hint { background-color: var(--color-gold-100); color: var(--color-gold-600); padding: var(--space-3); border-radius: var(--radius-md); font-size: 0.875rem; }

/* ==========================================================================
   FORMS — Get a Quote, Contact
   ========================================================================== */
.form-section { border: none; padding: 0; margin: 0 0 var(--space-6); }
.form-section legend { font-family: var(--font-heading); font-weight: 700; font-size: 1.25rem; color: var(--color-navy-900); padding: 0; margin-bottom: var(--space-4); border-bottom: 2px solid var(--color-gold-100); width: 100%; padding-bottom: var(--space-2); }
.form-row { display: grid; gap: var(--space-4); margin-bottom: var(--space-4); }
.form-row--2 { grid-template-columns: repeat(2, 1fr); }
.form-row--3 { grid-template-columns: repeat(3, 1fr); }
.form-field { display: flex; flex-direction: column; margin-bottom: var(--space-4); }
.form-row .form-field { margin-bottom: 0; }
.form-field label { font-weight: 600; color: var(--color-navy-900); margin-bottom: var(--space-2); font-size: 0.9375rem; }
.required { color: var(--color-danger); }
.field-help { font-size: 0.8125rem; color: var(--color-gray-600); margin: var(--space-1) 0 0; }

input[type="text"], input[type="email"], input[type="tel"], input[type="url"],
input[type="number"], input[type="date"], input[type="search"], select, textarea {
	font-family: var(--font-body); font-size: 1rem; color: var(--color-gray-800);
	background-color: var(--color-white); border: 1px solid var(--color-gray-200);
	border-radius: var(--radius-md); padding: 0.7rem 0.9rem; width: 100%;
	transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--color-navy-600); box-shadow: 0 0 0 3px var(--color-blue-100); }
textarea { resize: vertical; min-height: 120px; }
select {
	appearance: none;
	background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%235c5548'%3E%3Cpath fill-rule='evenodd' d='M5.23 7.21a.75.75 0 011.06.02L10 11.19l3.71-3.96a.75.75 0 111.08 1.04l-4.25 4.5a.75.75 0 01-1.08 0l-4.25-4.5a.75.75 0 01.02-1.06z' clip-rule='evenodd'/%3E%3C/svg%3E");
	background-repeat: no-repeat; background-position: right 0.75rem center; background-size: 16px; padding-right: 2.25rem;
}
.form-field--checkbox label, .form-field--checkbox { flex-direction: row; align-items: center; gap: var(--space-2); font-weight: 400; }
input[type="checkbox"], input[type="radio"] { width: 18px; height: 18px; accent-color: var(--color-navy-700); }

.coverage-type-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-3); }
.coverage-type-option { position: relative; display: flex; flex-direction: column; gap: var(--space-1); border: 2px solid var(--color-gray-200); border-radius: var(--radius-md); padding: var(--space-4); cursor: pointer; font-weight: 400; }
.coverage-type-option input[type="radio"] { position: absolute; top: var(--space-3); right: var(--space-3); }
.coverage-type-option:has(input:checked) { border-color: var(--color-navy-600); background-color: var(--color-blue-100); }
.coverage-type-title { font-weight: 700; color: var(--color-navy-900); padding-right: var(--space-5); }
.coverage-type-desc { font-size: 0.875rem; color: var(--color-gray-600); }

.form-actions { margin-top: var(--space-5); }
.form-disclaimer { font-size: 0.8125rem; color: var(--color-gray-400); margin-top: var(--space-3); }
.form-submit-notice { background-color: var(--color-gold-100); color: var(--color-gold-600); border-radius: var(--radius-md); padding: var(--space-3); margin-top: var(--space-3); font-weight: 600; }

/* ==========================================================================
   404
   ========================================================================== */
.error-404-inner { max-width: 600px; margin-inline: auto; text-align: center; }
.error-404-links { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-3); margin-top: var(--space-4); }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1024px) {
	.card-grid, .card-grid--4, .testimonial-grid, .pricing-table { grid-template-columns: repeat(2, 1fr); }
	.stats-grid { grid-template-columns: repeat(2, 1fr); }
	.footer-columns { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
	.menu-toggle { display: flex; }
	.main-navigation { position: absolute; top: 100%; left: 0; right: 0; background-color: var(--color-white); box-shadow: var(--shadow-md); justify-content: stretch; }
	.primary-menu-container { display: none; width: 100%; }
	.primary-menu-container.is-open { display: block; }
	.primary-menu { flex-direction: column; align-items: stretch; gap: 0; padding: var(--space-3) var(--space-4); }
	.primary-menu li { border-bottom: 1px solid var(--color-gray-100); }
	.site-header-cta .btn { padding: 0.6rem 1rem; font-size: 0.875rem; }
	.top-bar-message { display: none; }
	.hero-inner, .claims-hero-inner, .claims-contact-inner, .contact-grid { grid-template-columns: 1fr; }
	.hero-media { order: -1; }
}

@media (max-width: 768px) {
	.card-grid, .card-grid--4, .card-grid--3, .testimonial-grid, .pricing-table, .office-grid { grid-template-columns: 1fr; }
	.stats-grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-4); }
	.footer-columns { grid-template-columns: 1fr; gap: var(--space-6); }
	.form-row--2, .form-row--3, .coverage-type-options { grid-template-columns: 1fr; }
	.trust-badges-inner { justify-content: center; text-align: center; }
	.footer-cta-inner { flex-direction: column; text-align: center; }
	.footer-cta-actions { justify-content: center; }
	.sub-footer-inner { flex-direction: column; text-align: center; gap: var(--space-1); }
	.step-item { gap: var(--space-3); }
}

@media (max-width: 560px) {
	.section { padding-block: var(--space-6); }
	.hero-actions, .error-404-links { flex-direction: column; }
	.hero-actions .btn, .error-404-links .btn { width: 100%; }
	.top-bar-inner { flex-direction: column; gap: var(--space-1); text-align: center; }
	.emergency-card-phone { font-size: 1.25rem; }
}