/* David Seo — personal insurance site
   Near-black, warm light type, one restrained gold accent. */

:root {
  --bg: #0e0e0c;
  --bg-elevated: #161613;
  --surface: #1c1c18;
  --border: #2e2c26;
  --text: #f3efe6;
  --text-muted: #a8a396;
  --accent: #c6a572;
  --accent-hover: #d4b584;
  --accent-soft: rgba(198, 165, 114, 0.16);
  --error: #e08a7a;
  --error-bg: rgba(224, 138, 122, 0.12);
  --success: #9cbf8f;
  --success-bg: rgba(156, 191, 143, 0.12);
  --placeholder-bg: #c6a572;
  --placeholder-text: #1a1408;
  --radius: 14px;
  --wrap: 72rem;
  --space: 1.25rem;
  --font: "Noto Sans KR", -apple-system, BlinkMacSystemFont, "Segoe UI",
    "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;
  --font-display: "Noto Serif KR", "Noto Serif", Georgia, "Times New Roman", serif;
  /* Header logo: same serif in every language (not overridden for Korean). */
  --font-logo: "Noto Serif KR", "Noto Serif", Georgia, "Times New Roman", serif;
  --focus: 0 0 0 2px var(--bg), 0 0 0 4px var(--accent);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 5.5rem;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }
}

html,
body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body {
  min-height: 100vh;
}

/* Keep Korean morphemes from splitting mid-word at line breaks. */
html[lang="ko"] {
  --font: "Pretendard", "Noto Sans KR", -apple-system, BlinkMacSystemFont, "Segoe UI",
    "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;
  --font-display: "Pretendard", "Noto Sans KR", -apple-system, BlinkMacSystemFont, "Segoe UI",
    "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;
}

html[lang="ko"] body {
  word-break: keep-all;
  line-break: strict;
  overflow-wrap: break-word;
}

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

a {
  color: var(--accent);
}

a:hover {
  color: var(--accent-hover);
}

:focus-visible {
  outline: none;
  box-shadow: var(--focus);
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  z-index: 60;
  background: var(--accent);
  color: var(--placeholder-text);
  padding: 0.6rem 1rem;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 500;
  min-height: 44px;
}

.skip-link:focus {
  top: 1rem;
}

.wrap {
  width: min(100% - 2rem, var(--wrap));
  margin-inline: auto;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Header */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid var(--border);
  background: rgba(14, 14, 12, 0.9);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: 4.25rem;
  padding-block: 0.65rem;
  position: relative;
}

.wordmark {
  margin: 0;
  font-family: var(--font-logo);
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  flex: 0 0 auto;
}
.wordmark a {
  color: inherit;
  text-decoration: none;
  white-space: nowrap;
}
@media (max-width: 400px) {
  .wordmark { font-size: 1.02rem; letter-spacing: -0.025em; }
}
.wordmark a:hover {
  color: var(--accent);
}

.header-tools {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  margin-left: auto;
  flex: 0 0 auto;
  z-index: 2;
}

.header-tray {
  display: none;
}

.site-nav {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.site-nav a {
  display: flex;
  align-items: center;
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  min-height: 44px;
  padding: 0.55rem 0.2rem;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--text);
}

.site-nav a[aria-current="page"] {
  color: var(--accent);
}

.site-nav .nav-cta {
  color: var(--placeholder-text);
  background: var(--accent);
  border-radius: 999px;
  padding: 0.55rem 1.15rem;
  justify-content: center;
  font-weight: 600;
  min-height: 44px;
}

.site-nav .nav-cta:hover,
.site-nav .nav-cta[aria-current="page"] {
  color: var(--placeholder-text);
  background: var(--accent-hover);
}

.nav-toggle {
  appearance: none;
  border: 1px solid var(--border);
  background: var(--bg-elevated);
  color: var(--text);
  border-radius: 10px;
  width: 44px;
  height: 44px;
  padding: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}

.nav-toggle-bars,
.nav-toggle-bars::before,
.nav-toggle-bars::after {
  display: block;
  width: 16px;
  height: 1.5px;
  background: currentColor;
  border-radius: 1px;
  position: relative;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle-bars::before,
.nav-toggle-bars::after {
  content: "";
  position: absolute;
  left: 0;
}
.nav-toggle-bars::before { top: -5px; }
.nav-toggle-bars::after { top: 5px; }

.site-header.is-open .nav-toggle-bars {
  background: transparent;
}
.site-header.is-open .nav-toggle-bars::before {
  top: 0;
  transform: rotate(45deg);
}
.site-header.is-open .nav-toggle-bars::after {
  top: 0;
  transform: rotate(-45deg);
}

@media (max-width: 899px) {
  .header-tray {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: rgba(14, 14, 12, 0.97);
    border-bottom: 1px solid var(--border);
    padding: 0.5rem 0 1.15rem;
    box-shadow: 0 18px 40px rgba(0, 0, 0, 0.35);
  }
  .site-header.is-open .header-tray {
    display: block;
  }
  .header-tray .wrap {
    display: block;
  }
  .site-nav a {
    padding-inline: 0.15rem;
  }
  .site-nav .nav-cta {
    margin-top: 0.4rem;
    width: 100%;
  }
}

@media (min-width: 900px) {
  .nav-toggle {
    display: none;
  }
  .header-tools {
    margin-left: 0;
  }
  .header-tray {
    display: flex;
    align-items: center;
    margin-left: auto;
    margin-right: 0.25rem;
  }
  .site-nav {
    flex-direction: row;
    align-items: center;
    gap: 0.15rem 1.35rem;
  }
  .site-nav a {
    padding: 0 0.15rem;
    min-height: 44px;
    min-width: 44px;
    justify-content: center;
  }
  .site-nav .nav-cta {
    margin-left: 0.35rem;
    width: auto;
  }
}

.lang-switch {
  display: inline-flex;
  align-items: stretch;
  border: 1px solid var(--border);
  border-radius: 999px;
  overflow: hidden;
  background: var(--bg-elevated);
}

.lang-btn {
  appearance: none;
  border: 0;
  background: transparent;
  color: var(--text-muted);
  font: inherit;
  font-size: 0.875rem;
  font-weight: 500;
  min-height: 44px;
  min-width: 44px;
  padding: 0 0.95rem;
  cursor: pointer;
  line-height: 1;
}

.lang-btn + .lang-btn {
  border-left: 1px solid var(--border);
}

.lang-btn[aria-pressed="true"] {
  background: var(--accent-soft);
  color: var(--text);
}

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

/* Hero */

.hero {
  padding: 1.5rem 0 2rem;
  border-bottom: 1px solid transparent;
}

.hero-grid {
  display: grid;
  gap: 1.35rem;
}

.hero-copy h1,
.page-title {
  margin: 0 0 0.8rem;
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 7.5vw, 2.6rem);
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.2;
}

/* Korean hero headline: forced two-line break comes from "\n" in the i18n string */
html[lang="ko"] .hero-copy h1 {
  white-space: pre-line;
}

.lede {
  margin: 0;
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 36rem;
  line-height: 1.7;
}

.hero-sub {
  margin: -0.15rem 0 0.85rem;
  color: var(--text);
  font-size: 1.08rem;
  font-weight: 500;
  letter-spacing: -0.015em;
  line-height: 1.45;
  max-width: 36rem;
  white-space: pre-line;
}

.hero-copy h1 + .hero-sub {
  margin-top: -0.15rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1.35rem;
}

.btn-primary,
.btn-call {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  min-height: 48px;
  padding: 0.7rem 1.3rem;
  border-radius: 999px;
  font: inherit;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
}

.btn-primary {
  background: var(--accent);
  color: var(--placeholder-text);
  border: 1px solid var(--accent);
}
.btn-primary:hover {
  background: var(--accent-hover);
  color: var(--placeholder-text);
  border-color: var(--accent-hover);
}

.btn-call {
  background: transparent;
  color: var(--text);
  border: 1px solid var(--border);
}
.btn-call:hover {
  border-color: var(--accent);
  color: var(--text);
}

.hero-photos {
  position: relative;
}

.hero-slideshow {
  position: relative;
  aspect-ratio: 1 / 1;
  border-radius: calc(var(--radius) + 2px);
  overflow: hidden;
  background: var(--surface);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.35);
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1s ease;
}

.hero-slide.is-active {
  opacity: 1;
  z-index: 1;
}

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

.hero-slide--selfie img {
  object-position: 50% 30%;
}

.hero-slide--family img {
  object-position: 50% 72%;
}

.hero-dots {
  position: absolute;
  left: 50%;
  bottom: 0.8rem;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  gap: 0;
  margin: 0;
  padding: 0;
}

/* 32x44 tap area per dot; the visible dot stays 8px. */
.hero-dots button {
  appearance: none;
  position: relative;
  width: 32px;
  height: 44px;
  margin-bottom: -0.65rem;
  padding: 0;
  border: 0;
  background: transparent;
  cursor: pointer;
}
.hero-dots button::before {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  width: 0.5rem;
  height: 0.5rem;
  margin: -0.25rem 0 0 -0.25rem;
  border-radius: 999px;
  background: rgba(243, 239, 230, 0.45);
}

.hero-dots button.is-active::before {
  background: rgba(243, 239, 230, 0.95);
}

.hero-dots button:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  .hero-slide {
    transition: none;
  }
}

@media (min-width: 900px) {
  .hero {
    min-height: calc(100svh - 4.35rem);
    display: flex;
    align-items: center;
    padding: 3rem 0 4rem;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(22rem, 38rem);
    gap: 3.5rem 4.75rem;
    align-items: center;
  }

  .hero-copy {
    padding-top: 0.5rem;
    padding-bottom: 0.5rem;
  }

  .hero-copy h1 {
    font-size: clamp(2.5rem, 3.6vw, 3.35rem);
    line-height: 1.16;
    max-width: 16ch;
    margin-bottom: 1.15rem;
  }

  .hero-copy h1 + .hero-sub {
    margin-top: -0.55rem;
    margin-bottom: 1rem;
    font-size: 1.08rem;
  }

  html[lang="ko"] .hero-copy h1 {
    max-width: none;
    font-size: clamp(2.15rem, 3vw, 2.75rem);
  }

  .lede {
    font-size: 1.08rem;
    line-height: 1.75;
  }

  .hero-photos {
    min-height: 0;
  }

  .hero-slideshow {
    max-width: 38rem;
    margin-left: auto;
  }
}

/* Quote form */

.quote {
  padding: 0 0 4rem;
}

.quote-head {
  margin-bottom: 1.75rem;
  max-width: 38rem;
}

.quote-head h2 {
  margin: 0 0 0.5rem;
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 4vw, 1.95rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.quote-head p {
  margin: 0;
  color: var(--text-muted);
}

.quote-form {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 4px);
  padding: 1.25rem;
}

@media (min-width: 720px) {
  .quote-form {
    padding: 2rem;
  }
}

.field-row {
  display: grid;
  gap: 1rem;
}

@media (min-width: 640px) {
  .field-row {
    grid-template-columns: 1fr 1fr;
  }
}

.field {
  margin-bottom: 1rem;
}

.field label {
  display: block;
  margin-bottom: 0.4rem;
  font-size: 0.925rem;
  font-weight: 500;
}

.req {
  color: var(--accent);
  font-weight: 600;
}

.optional {
  color: var(--text-muted);
  font-weight: 400;
  font-size: 0.85rem;
}

.hint {
  margin: -0.35rem 0 1rem;
  color: var(--text-muted);
  font-size: 0.85rem;
}

.sensitive-note {
  margin: 0 0 1.15rem;
  padding: 0.85rem 1rem;
  background: var(--surface);
  border-radius: 10px;
  color: var(--text-muted);
  font-size: 0.85rem;
}

input[type="text"],
input[type="tel"],
input[type="email"],
input[type="date"],
input[type="number"],
input[type="url"],
select,
textarea {
  width: 100%;
  min-height: 44px;
  margin: 0;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--bg);
  color: var(--text);
  font: inherit;
  font-size: 1rem;
  appearance: none;
}

select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path fill='%23c6a572' d='M1.2 1.2 6 6l4.8-4.8' stroke='%23c6a572' stroke-width='1.4' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 0.9rem center;
  background-size: 12px 8px;
  padding-right: 2.4rem;
}

/* iOS Safari: keep empty date inputs full height and left-aligned like the other fields. */
input[type="date"] {
  display: block;
  -webkit-appearance: none;
  text-align: left;
  line-height: 1.5;
}
input[type="date"]::-webkit-date-and-time-value {
  text-align: left;
  min-height: 1.5em;
}

textarea {
  min-height: 8rem;
  resize: vertical;
  line-height: 1.5;
}

input::placeholder,
textarea::placeholder {
  color: #7a766c;
}

input:hover,
select:hover,
textarea:hover {
  border-color: #4a473e;
}

.field.has-error input,
.field.has-error select,
.field.has-error textarea {
  border-color: var(--error);
}

.field-error {
  margin: 0.4rem 0 0;
  color: var(--error);
  font-size: 0.85rem;
}

.hp {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.consent-field {
  margin-bottom: 1.25rem;
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 0.8rem;
  min-height: 44px;
  cursor: pointer;
  font-weight: 400;
  font-size: 0.925rem;
  line-height: 1.5;
  color: var(--text-muted);
}

.consent input[type="checkbox"] {
  appearance: none;
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  min-height: 22px;
  margin-top: 0.15rem;
  padding: 0;
  border: 1px solid var(--border);
  border-radius: 5px;
  background: var(--bg);
  cursor: pointer;
}

.consent input[type="checkbox"]:checked {
  background: var(--accent);
  border-color: var(--accent);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='10' viewBox='0 0 12 10'><path fill='none' stroke='%231a1408' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' d='M1.5 5.2 4.6 8.2 10.5 1.6'/></svg>");
  background-repeat: no-repeat;
  background-position: center;
}

.form-actions {
  display: flex;
}

.btn-submit {
  appearance: none;
  border: 0;
  border-radius: 10px;
  background: var(--accent);
  color: var(--placeholder-text);
  font: inherit;
  font-size: 1rem;
  font-weight: 600;
  min-height: 48px;
  padding: 0.75rem 1.4rem;
  cursor: pointer;
  width: 100%;
}

@media (min-width: 640px) {
  .btn-submit {
    width: auto;
    min-width: 14rem;
  }
}

.btn-submit:hover {
  background: var(--accent-hover);
}

.btn-submit:disabled {
  opacity: 0.7;
  cursor: wait;
}

.form-status {
  margin-top: 1.1rem;
  padding: 0.9rem 1rem;
  border-radius: 10px;
  font-size: 0.95rem;
}

.form-status.success {
  background: var(--success-bg);
  color: var(--success);
}

.form-status.error {
  background: var(--error-bg);
  color: var(--error);
}


/* Form sections, coverage cards, insured rows */

.form-section {
  margin: 0;
  padding: 1.5rem 0 0.35rem;
  border-top: 1px solid var(--border);
}

.form-section:first-child {
  border-top: 0;
  padding-top: 0;
}

.section-title {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  margin: 0 0 0.85rem;
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.section-num {
  flex: 0 0 1.7rem;
  width: 1.7rem;
  height: 1.7rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 600;
}

.subhead {
  margin: 1.35rem 0 0.75rem;
  font-size: 0.95rem;
  font-weight: 600;
}

.coverage-panel {
  display: grid;
  grid-template-rows: 0fr;
  opacity: 0;
  overflow: hidden;
  border-top: 0;
  padding: 0;
  margin: 0;
  transition: grid-template-rows 0.35s ease, opacity 0.25s ease, padding 0.35s ease;
}

.coverage-panel.is-open {
  grid-template-rows: 1fr;
  opacity: 1;
  border-top: 1px solid var(--border);
  padding: 1.5rem 0 0.35rem;
}

.coverage-panel .panel-inner {
  overflow: hidden;
  min-height: 0;
}

.addr-note {
  margin: 0 0 1rem;
  padding: 0.75rem 0.95rem;
  background: var(--surface);
  border-radius: 10px;
  color: var(--text-muted);
  font-size: 0.9rem;
}

.cov-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.7rem;
  margin-bottom: 0.6rem;
}

.cov-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 0.15rem;
  min-height: 72px;
  padding: 0.85rem 0.9rem 0.85rem 1rem;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  cursor: pointer;
  font-weight: 400;
}

.cov-card input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
  pointer-events: none;
}

.cov-card-title {
  color: var(--text);
  font-weight: 600;
  font-size: 0.98rem;
}

.cov-card-sub {
  color: var(--text-muted);
  font-size: 0.8rem;
}

.cov-card:hover {
  border-color: #4a473e;
}

.cov-card:has(input:checked) {
  border-color: var(--accent);
  background: var(--accent-soft);
}


.cov-card:has(input:focus-visible) {
  box-shadow: var(--focus);
}

@media (min-width: 720px) {
  .cov-cards {
    grid-template-columns: repeat(6, 1fr);
  }
  .cov-card {
    grid-column: span 2;
  }
  .cov-card:nth-child(4) {
    grid-column: 2 / span 2;
  }
  .cov-card:nth-child(5) {
    grid-column: 4 / span 2;
  }
}

.policy-note {
  margin: 0 0 1.1rem;
  padding: 0.75rem 0.95rem;
  background: var(--surface);
  border-radius: 10px;
  color: var(--text-muted);
  font-size: 0.9rem;
}

.policy-note p {
  margin: 0 0 0.45rem;
}

.policy-note p:last-child {
  margin-bottom: 0;
}

.hoa-redirect {
  margin: 0.55rem 0 1rem;
}

.hoa-redirect .field-error {
  display: block;
  margin: 0 0 0.65rem;
  font-weight: 500;
}


.insureds,
.repeat-list {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  margin-bottom: 0.9rem;
}

.card-block {
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  padding: 1rem 1rem 0.35rem;
}

.card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 0.7rem;
}

.card-head h4,
.card-label {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 600;
}

.btn-secondary,
.btn-remove {
  appearance: none;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--text);
  font: inherit;
  font-size: 0.9rem;
  font-weight: 500;
  min-height: 44px;
  padding: 0.5rem 0.95rem;
  border-radius: 10px;
  cursor: pointer;
}

.btn-secondary {
  margin-bottom: 0.5rem;
}

.btn-secondary:hover,
.btn-remove:hover {
  border-color: var(--accent);
  color: var(--accent-hover);
}

.btn-remove {
  min-width: 44px;
  padding: 0.4rem 0.7rem;
  color: var(--text-muted);
  font-size: 0.85rem;
}

.choice-field {
  border: 0;
  margin: 0 0 1rem;
  padding: 0;
}

.choice-field legend {
  padding: 0;
  margin-bottom: 0.45rem;
  font-size: 0.925rem;
  font-weight: 500;
}

.choice-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.choice {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  min-width: 5.5rem;
  padding: 0 0.95rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--bg);
  cursor: pointer;
  font-weight: 500;
  font-size: 0.925rem;
}

.choice input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
}

.choice:has(input:checked) {
  border-color: var(--accent);
  background: var(--accent-soft);
  color: var(--text);
}

.choice:has(input:focus-visible) {
  box-shadow: var(--focus);
}

.same-addr {
  margin-bottom: 1rem;
}

.driver-picks {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  margin-bottom: 0.85rem;
}

.driver-pick {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-height: 44px;
  padding: 0.45rem 0.8rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--bg);
  cursor: pointer;
  font-weight: 400;
  color: var(--text);
}

.driver-pick input[type="checkbox"] {
  appearance: none;
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  min-height: 22px;
  margin: 0;
  padding: 0;
  border: 1px solid var(--border);
  border-radius: 5px;
  background: var(--bg);
  cursor: pointer;
}

.driver-pick input[type="checkbox"]:checked {
  background: var(--accent);
  border-color: var(--accent);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='10' viewBox='0 0 12 10'><path fill='none' stroke='%231a1408' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' d='M1.5 5.2 4.6 8.2 10.5 1.6'/></svg>");
  background-repeat: no-repeat;
  background-position: center;
}

.driver-pick:has(input:checked) {
  border-color: var(--accent);
  background: var(--accent-soft);
}

.driver-empty {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin: 0 0 0.75rem;
}


.roof-callout {
  border: 1px solid var(--accent);
  background: var(--accent-soft);
  border-radius: 12px;
  padding: 1rem 1rem 0.5rem;
  margin-bottom: 1.15rem;
}

.roof-callout .roof-hint {
  margin: 0 0 0.55rem;
  color: var(--text);
  font-size: 0.88rem;
}

.roof-callout input[type="number"] {
  border-color: var(--accent);
}

.roof-callout input:disabled {
  opacity: 0.55;
}

.reveal[hidden] {
  display: none;
}

.address-block {
  margin-bottom: 0.35rem;
}


.upload-widget {
  margin: 1.1rem 0 0.35rem;
}
.upload-label {
  margin: 0 0 0.3rem;
  font-size: 0.925rem;
  font-weight: 500;
}
.upload-drop {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.7rem 1rem;
  border: 1px dashed var(--border);
  border-radius: 10px;
  background: var(--bg);
  cursor: pointer;
  font-weight: 500;
  color: var(--text);
}
.upload-drop:hover {
  border-color: var(--accent);
  color: var(--accent-hover);
}
.upload-drop:has(.upload-input:focus-visible) {
  box-shadow: var(--focus);
}
.upload-input {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}
.upload-list {
  list-style: none;
  margin: 0.6rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.upload-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  min-height: 44px;
  padding: 0.35rem 0.65rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.85rem;
  word-break: break-all;
}

/* Footer */


.site-footer {
  border-top: 1px solid var(--border);
  padding: 2.5rem 0 3rem;
  color: var(--text-muted);
  font-size: 0.925rem;
}

/* Footer lines up with the page's left edge; text lines stay a readable width. */
.footer-inner > * {
  max-width: 40rem;
}
.footer-note .text-link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

.footer-name,
.footer-agency,
.footer-role {
  margin: 0;
  color: var(--text);
}

.footer-name {
  font-weight: 600;
  font-size: 1.05rem;
}

.footer-agency,
.footer-role {
  margin-top: 0.15rem;
}

.footer-meta {
  list-style: none;
  margin: 1.25rem 0;
  padding: 0;
}

.footer-meta li {
  margin: 0 0 0.45rem;
}

.footer-meta li span:first-child {
  margin-right: 0.35rem;
}

.footer-note {
  margin: 0 0 0.75rem;
  max-width: 38rem;
}

.copyright {
  margin: 1.5rem 0 0;
  font-size: 0.85rem;
}

/* Obvious placeholders so missing contact details are easy to spot and fill. */
.is-placeholder,
a.is-placeholder {
  display: inline-block;
  background: var(--placeholder-bg);
  color: var(--placeholder-text);
  font-weight: 600;
  padding: 0.1em 0.4em;
  border-radius: 4px;
  text-decoration: none;
  letter-spacing: 0.02em;
}

.footer-meta a:not(.is-placeholder) {
  color: var(--text);
  text-decoration: underline;
  text-underline-offset: 2px;
  overflow-wrap: anywhere;
}

.choice-stack {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.choice-stack .choice {
  justify-content: flex-start;
  width: 100%;
  min-height: 44px;
  border-radius: 10px;
  text-align: left;
  white-space: normal;
  line-height: 1.35;
  padding: 0.55rem 0.95rem;
}
.driver-block {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.driver-license-wrap {
  padding: 0 0 0.25rem;
}
.text-link {
  color: var(--accent);
  text-underline-offset: 2px;
}
button.text-link {
  appearance: none;
  border: 0;
  background: none;
  padding: 0;
  font: inherit;
  cursor: pointer;
  text-decoration: underline;
  text-underline-offset: 2px;
  min-height: 0;
}
.text-link:hover {
  color: var(--accent-hover);
}
.page-main,
.privacy-page {
  padding: 2.5rem 0 4.5rem;
}

.page-prose {
  max-width: 42rem;
}

.page-title {
  margin-bottom: 1.15rem;
}

.page-main h2,
.privacy-page h2 {
  margin: 2rem 0 0.6rem;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

.page-main p,
.privacy-page p {
  margin: 0 0 0.85rem;
  color: var(--text-muted);
  max-width: 42rem;
}

.page-main .lede,
.page-prose > .lede {
  font-size: 1.08rem;
}

.privacy-page h1,
.privacy-page .page-title {
  margin: 0 0 1rem;
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 5vw, 2.4rem);
  letter-spacing: -0.03em;
  color: var(--text);
}

.privacy-page a,
.page-main a:not(.btn-primary):not(.btn-call) {
  color: var(--accent);
}

.page-main .btn-primary {
  color: var(--placeholder-text);
}
.page-main .btn-call {
  color: var(--text);
}

.about-intro {
  margin: 1.75rem 0 2.1rem;
}

.about-intro p {
  margin: 0 0 1.05rem;
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text);
  max-width: 40rem;
}

.about-intro p:last-child {
  margin-bottom: 0;
}

.about-edu,
.about-outside {
  margin: 2.35rem 0 0;
}

.edu-list {
  list-style: none;
  margin: 0.85rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.edu-card {
  margin: 0;
  padding: 1rem 1.2rem 1.05rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

.edu-school {
  margin: 0 0 0.2rem;
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.35;
}

.edu-degree {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.5;
}

/* Plain status line (no pill), per site style. */
.edu-status {
  display: block;
  margin: 0.5rem 0 0;
  padding: 0;
  color: var(--text-muted);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.edu-status-now {
  color: var(--accent);
}

.about-outside-text {
  margin: 0.35rem 0 0;
  color: var(--text);
  font-size: 1.02rem;
  line-height: 1.75;
  max-width: 40rem;
}



.why-quote {
  margin: 1.75rem 0 2rem;
  padding: 0.25rem 0 0.25rem 1.25rem;
  border-left: 3px solid var(--accent);
}

.why-quote p {
  margin: 0 0 0.75rem;
  color: var(--text);
  font-size: 1.08rem;
  line-height: 1.75;
  max-width: 40rem;
}

.why-quote-by {
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 600;
}

.page-actions {
  margin-top: 2rem;
}

@media (min-width: 900px) {
  .page-main,
  .privacy-page {
    padding: 3.75rem 0 5.5rem;
  }
  .page-title {
    font-size: clamp(2.4rem, 4vw, 3rem);
  }
}


/* Why Family First + FAQ */

.why-page .why-intro,
.why-page .why-story,
.faq-page .faq-intro {
  max-width: 42rem;
}

.why-section {
  margin-top: 3rem;
}

.why-section > h2,
.faq-page h2 {
  margin: 0 0 0.7rem;
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 3vw, 1.7rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.why-section > .lede,
.section-lead {
  margin: 0 0 1.35rem;
  color: var(--text-muted);
  max-width: 42rem;
}

.story-heading {
  margin: 0 0 1.25rem;
  font-family: var(--font-display);
  font-size: clamp(1.85rem, 4vw, 2.45rem);
  font-weight: 600;
  letter-spacing: -0.03em;
  display: inline-block;
}
.story-heading::after {
  content: "";
  display: block;
  width: 3.35rem;
  height: 2px;
  margin-top: 0.5rem;
  background: var(--accent);
  border-radius: 1px;
}
.why-story p {
  margin: 0 0 0.95rem;
  color: var(--text-muted);
  max-width: 42rem;
}
.why-story p:last-child {
  margin-bottom: 0;
  color: var(--text);
}

.compare-grid {
  display: grid;
  gap: 1rem;
}
@media (min-width: 800px) {
  .compare-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    align-items: stretch;
  }
}
.compare-card {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 2px);
  padding: 1.3rem 1.3rem 1.15rem;
}
.compare-card.is-broker {
  border-color: rgba(198, 165, 114, 0.5);
  background: linear-gradient(180deg, rgba(198, 165, 114, 0.1), var(--bg-elevated) 38%);
}
.compare-card h3 {
  margin: 0 0 0.2rem;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}
.compare-sub {
  margin: 0 0 1rem;
  color: var(--accent);
  font-size: 0.88rem;
}
.compare-card ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.compare-card li {
  position: relative;
  margin: 0;
  padding: 0.65rem 0 0.65rem 1.35rem;
  border-top: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 0.98rem;
}
.compare-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 1.05rem;
  width: 0.45rem;
  height: 0.45rem;
  border-radius: 50%;
  background: var(--text-muted);
}
.compare-card.is-broker li::before {
  background: var(--accent);
}

.journey {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
}
.journey::before {
  content: "";
  position: absolute;
  left: 1.05rem;
  top: 1.1rem;
  bottom: 1.1rem;
  width: 1px;
  background: var(--border);
}
.journey-step {
  display: grid;
  grid-template-columns: 2.15rem minmax(0, 1fr);
  gap: 0.85rem 1rem;
  padding: 0.35rem 0 1.25rem;
  position: relative;
}
.journey-num {
  width: 2.15rem;
  height: 2.15rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg);
  border: 1px solid var(--accent);
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 600;
  z-index: 1;
}
.journey-step h3 {
  margin: 0.2rem 0 0.25rem;
  font-size: 1.02rem;
  font-weight: 600;
  font-family: var(--font);
  letter-spacing: 0;
}
.journey-step p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95rem;
}

@media (min-width: 900px) {
  .why-section {
    margin-top: 3.75rem;
  }
  .journey {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 2rem 1.25rem;
  }
  .journey::before {
    display: none;
  }
  .journey-step {
    display: flex;
    flex-direction: column;
    padding: 0;
    gap: 0.7rem;
  }
  .journey-step + .journey-step::before {
    /* no-op: numbered circles carry the sequence */
  }
  .journey-num {
    width: 2.25rem;
    height: 2.25rem;
  }
}

/* FAQ */
.faq-toolbar {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin: 1.5rem 0 2rem;
}
.faq-search-label {
  display: block;
  margin: 0 0 0.4rem;
  color: var(--text-muted);
  font-size: 0.88rem;
}
.faq-search {
  width: 100%;
  max-width: 28rem;
  min-height: 48px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--bg-elevated);
  color: var(--text);
  font: inherit;
  padding: 0.65rem 0.9rem;
}
.faq-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.faq-chip {
  appearance: none;
  border: 1px solid var(--border);
  background: var(--bg-elevated);
  color: var(--text-muted);
  font: inherit;
  font-size: 0.88rem;
  font-weight: 500;
  min-height: 44px;
  padding: 0.4rem 0.9rem;
  border-radius: 999px;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}
.faq-chip:hover,
.faq-chip:focus-visible {
  color: var(--text);
  border-color: var(--accent);
}
.faq-cat {
  margin: 0 0 2.25rem;
}
.faq-cat h2 {
  margin-bottom: 0.65rem;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:first-of-type {
  border-top: 1px solid var(--border);
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 52px;
  padding: 0.85rem 0;
  font-weight: 500;
  color: var(--text);
}
.faq-item summary::-webkit-details-marker {
  display: none;
}
.faq-item summary::after {
  content: "";
  flex: 0 0 0.65rem;
  width: 0.65rem;
  height: 0.65rem;
  margin-right: 0.15rem;
  border-right: 1.5px solid var(--accent);
  border-bottom: 1.5px solid var(--accent);
  transform: rotate(45deg);
  transition: transform 0.15s ease;
}
.faq-item[open] summary::after {
  transform: rotate(-135deg);
  margin-top: 0.35rem;
}
.faq-item .faq-a {
  margin: 0 0 1.05rem;
  color: var(--text-muted);
  max-width: 44rem;
}
.faq-empty {
  color: var(--text-muted);
  margin: 0 0 1.5rem;
}
.faq-note {
  margin: 2rem 0 0;
  max-width: 42rem;
  color: var(--text-muted);
  font-size: 0.92rem;
}

/* Carrier logo wall
   Explicit heights everywhere (no aspect-ratio, no % image heights) so iOS Safari
   lays out every card identically. Both grids share one rhythm so they read as one wall. */
.carriers-section { scroll-margin-top: 5.5rem; }
.carrier-grid {
  --carrier-gap: 0.75rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  grid-auto-rows: 8.25rem;
  gap: var(--carrier-gap);
  align-items: stretch;
}
.carrier-grid.is-rest { margin-top: var(--carrier-gap); }
.carrier-card {
  --logo-h: 2.6rem;
  --logo-w: 86%;
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  height: 8.25rem;
  min-width: 0;
  box-sizing: border-box;
  overflow: hidden;
  background: #f6f3ec;
  color: #1a1712;
  border-radius: 12px;
  padding: 0.6rem 0.6rem 0.65rem;
  text-align: center;
}
@media (hover: hover) {
  .carrier-card { transition: transform 0.15s ease, box-shadow 0.15s ease; }
  .carrier-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.22);
  }
}
.carrier-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  height: 5rem;
  width: 100%;
  min-height: 0;
}
.carrier-card img {
  display: block;
  flex: 0 0 auto;
  width: var(--logo-w);
  height: var(--logo-h);
  max-width: none;
  max-height: none;
  object-fit: contain;
  object-position: center;
}
/* Squarer / stacked marks get more height and less width so they read the same size as wordmarks. */
.carrier-card.is-stacked { --logo-h: 4.1rem; --logo-w: 74%; }
.carrier-card[data-id="progressive"] { --logo-h: 2rem; }
.carrier-card[data-id="travelers"] { --logo-h: 2.1rem; }
.carrier-card[data-id="geico"] { --logo-h: 2.3rem; }
.carrier-card[data-id="lemonade"] { --logo-h: 2.3rem; }
.carrier-card[data-id="liberty-mutual"] { --logo-h: 3rem; }
.carrier-card[data-id="mercury"] { --logo-h: 2.8rem; }
.carrier-card[data-id="national-general"] { --logo-h: 3.5rem; --logo-w: 70%; }
.carrier-card[data-id="assuranceamerica"] { --logo-h: 2.4rem; --logo-w: 90%; }
.carrier-card[data-id="bamboo"] { --logo-h: 2.1rem; }
.carrier-card[data-id="clearcover"] { --logo-h: 3.2rem; }
.carrier-card[data-id="commonwealth"] { --logo-h: 2.8rem; --logo-w: 90%; }
.carrier-card[data-id="orion180"] { --logo-h: 2.3rem; }
.carrier-card[data-id="root"] { --logo-h: 3rem; }
.carrier-card[data-id="sagesure"] { --logo-h: 3rem; }
.carrier-card[data-id="twico"] { --logo-h: 2.6rem; }
.carrier-card[data-id="foremost"] { --logo-h: 4rem; --logo-w: 60%; }
.carrier-card[data-id="mdow"] { --logo-h: 3.2rem; --logo-w: 74%; }
.carrier-wordmark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 100%;
  font-weight: 600;
  font-size: 0.98rem;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: #1c1a16;
}
/* Caption block: fixed height, pinned to the card bottom, so every caption shares one baseline. */
.carrier-meta {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  align-items: center;
  gap: 0.15rem;
  flex: 1 1 auto;
  min-height: 0;
}
.carrier-formerly,
.page-main .carrier-formerly {
  margin: 0;
  max-width: none;
  font-size: 0.68rem;
  line-height: 1.2;
  color: #6f695f;
}
.carrier-tags {
  display: flex;
  gap: 0.45rem;
  justify-content: center;
  flex-wrap: nowrap;
  height: 0.9rem;
  line-height: 0.9rem;
  white-space: nowrap;
}
.carrier-tag {
  font-size: 0.64rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #8a8478;
  padding: 0;
  border: 0;
  background: none;
}
.carrier-tag + .carrier-tag::before {
  content: "·";
  margin-right: 0.45rem;
  color: #c4bdb0;
}
.carrier-note,
.page-main .carrier-note {
  margin: 1.15rem 0 0;
  max-width: 42rem;
  color: var(--text-muted);
  font-size: 0.85rem;
}
@media (min-width: 700px) {
  /* 5 columns on tablets: the 10 featured carriers fill two full rows, and the rest line up under them. */
  .carrier-grid,
  .carrier-grid.is-featured,
  .carrier-grid.is-rest {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }
}
@media (min-width: 1000px) {
  .carrier-grid { --carrier-gap: 0.85rem; }
  .carrier-grid.is-featured {
    grid-template-columns: repeat(5, minmax(0, 1fr));
    grid-auto-rows: 8.75rem;
  }
  .carrier-grid.is-featured .carrier-card { height: 8.75rem; }
  .carrier-grid.is-featured .carrier-logo { height: 5.5rem; }
  .carrier-grid.is-rest {
    grid-template-columns: repeat(6, minmax(0, 1fr));
    grid-auto-rows: 7.5rem;
  }
  .carrier-grid.is-rest .carrier-card { height: 7.5rem; --logo-w: 84%; }
  .carrier-grid.is-rest .carrier-logo { height: 4.5rem; }
  .carrier-grid.is-rest .carrier-card.is-stacked { --logo-h: 3.7rem; }
}

/* Reviews page */
.reviews-intro { margin-bottom: 2.25rem; }
.reviews-list-section { margin-bottom: 3rem; }
.reviews-list {
  display: grid;
  gap: 1.25rem;
}
@media (min-width: 900px) {
  .reviews-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.review-card {
  margin: 0;
  padding: 0.25rem 0 0.25rem 1.25rem;
  border-left: 3px solid var(--accent);
}
.review-stars {
  margin: 0 0 0.35rem;
  color: var(--accent);
  font-size: 1rem;
  line-height: 1.2;
  letter-spacing: 0.08em;
}
.review-card blockquote { margin: 0 0 0.6rem; }
.review-card p {
  margin: 0;
  color: var(--text);
  font-size: 1.02rem;
  line-height: 1.75;
}
.review-card figcaption {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.75rem;
  font-size: 0.9rem;
}
.review-name { font-weight: 600; }
.review-meta { color: var(--text-muted); }
.review-source {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 0.2em;
}
.review-source:hover { color: var(--text); }
.reviews-empty {
  margin: 0;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
}
.review-google { margin: 1rem 0 0; }
.review-form-section > h2 {
  font-family: var(--font-display);
  margin: 0 0 1rem;
  font-size: clamp(1.35rem, 3.5vw, 1.6rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}
.review-form { max-width: 44rem; }
.star-field {
  border: 0;
  padding: 0;
  min-width: 0;
}
.star-field legend {
  margin-bottom: 0.4rem;
  padding: 0;
  font-size: 0.925rem;
  font-weight: 500;
}
/* Inputs are listed 5→1 and shown reversed so ":checked ~ label" fills the lower stars. */
.star-rating {
  display: inline-flex;
  flex-direction: row-reverse;
  justify-content: flex-end;
  gap: 0.15rem;
}
.star-rating .star {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 44px;
  min-height: 44px;
  margin: 0;
  color: #4a473e;
  font-size: 1.9rem;
  line-height: 1;
  cursor: pointer;
  transition: color 0.12s ease;
}
.star-rating input:checked ~ .star,
.star-rating .star:hover,
.star-rating .star:hover ~ .star {
  color: var(--accent);
}
.star-rating input:focus-visible + .star {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}
.char-count {
  margin: 0.35rem 0 0;
  color: var(--text-muted);
  font-size: 0.8rem;
  text-align: right;
}
.review-note {
  margin: 0 0 1.15rem;
  color: var(--text-muted);
  font-size: 0.85rem;
}

/* Parent agency link on why-family-first.html */
.why-parent {
  margin: 0.9rem 0 0;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
}
.why-parent-link {
  color: var(--accent);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  white-space: nowrap;
}
.why-parent-link:hover {
  color: var(--accent-hover);
}

/* Quote form: vehicle, driver, and home detail additions */
.home-details {
  margin-top: 0.5rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.updates-field .hint {
  margin-top: 0;
}
.update-item {
  margin-bottom: 0.35rem;
}
.update-item .update-year {
  margin: 0.35rem 0 0.75rem 2.2rem;
  max-width: 12rem;
}
#add-vehicle {
  margin-bottom: 1.25rem;
}

/* Even padding at the bottom of cards whose last line is a paragraph. */
.edu-card > p:last-child,
.page-main .edu-card > p:last-child { margin-bottom: 0; }

/* ---- Checkbox rows: one pattern site-wide ----
   Box sits in its own column, vertically centered on the FIRST text line;
   wrapped lines align under the text, never under the box.
   margin-top = (line-height - box size) / 2 */
.field label.consent,
label.consent,
label.driver-pick {
  --check-size: 22px;
  --check-fs: 0.925rem;
  --check-lh: 1.5;
  display: grid;
  grid-template-columns: var(--check-size) minmax(0, 1fr);
  column-gap: 0.75rem;
  align-items: start;
  align-content: center;
  margin-bottom: 0;
  font-size: var(--check-fs);
  font-weight: 400;
  line-height: var(--check-lh);
}
label.driver-pick {
  --check-fs: 1rem;
}
label.consent > input[type="checkbox"],
label.driver-pick > input[type="checkbox"] {
  grid-column: 1;
  grid-row: 1;
  width: var(--check-size);
  height: var(--check-size);
  margin: calc((var(--check-fs) * var(--check-lh) - var(--check-size)) / 2) 0 0;
  align-self: start;
}
label.consent > :not(input),
label.driver-pick > :not(input) {
  grid-column: 2;
  grid-row: 1;
  min-width: 0;
  line-height: inherit;
}
.field label.consent.same-addr,
label.consent.same-addr {
  margin-bottom: 1rem;
}

/* Home: compact reviews above the quote form */
.home-reviews { margin: 0 0 1.75rem; }
.home-reviews-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.9rem;
}
.home-reviews-head h3 {
  margin: 0;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}
html[lang="ko"] .home-reviews-head h3 { letter-spacing: 0.02em; }
.home-reviews-head .text-link { font-size: 0.9rem; white-space: nowrap; }
.home-reviews-list { display: grid; gap: 1rem; }
@media (min-width: 900px) {
  .home-reviews-list { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; }
}
.home-reviews-list .review-card { padding-left: 1rem; border-left-width: 2px; }
.home-reviews-list .review-stars { font-size: 0.85rem; margin-bottom: 0.25rem; }
.home-reviews-list .review-card p {
  font-size: 0.95rem;
  line-height: 1.6;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.home-reviews-list .review-card figcaption { font-size: 0.82rem; }
.home-reviews-list .review-card blockquote { margin-bottom: 0.4rem; }

/* License line beside the submit button, and the "what happens next" note */
.form-actions { flex-wrap: wrap; align-items: center; gap: 0.6rem 1.25rem; }
.form-license {
  margin: 0;
  font-size: 0.85rem;
  color: var(--text-muted);
}
.form-next {
  margin: 1rem 0 0;
  max-width: 40rem;
  font-size: 0.92rem;
  line-height: 1.6;
  color: var(--text-muted);
}
.form-next-label { color: var(--text); font-weight: 600; }

/* Mobile-only Text / Call bar */
.contact-bar { display: none; }
@media (max-width: 719px) {
  .contact-bar {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 40;
    display: grid;
    grid-template-columns: 1fr 1fr;
    background: rgba(14, 14, 12, 0.94);
    border-top: 1px solid var(--border);
    padding-bottom: env(safe-area-inset-bottom, 0px);
    -webkit-backdrop-filter: blur(8px);
    backdrop-filter: blur(8px);
    transition: transform 0.2s ease, opacity 0.2s ease;
  }
  .contact-bar.is-hidden { transform: translateY(110%); opacity: 0; pointer-events: none; }
  .contact-bar-link {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.45rem;
    min-height: 46px;
    color: var(--text);
    text-decoration: none;
    font-size: 0.92rem;
    font-weight: 500;
  }
  .contact-bar-link + .contact-bar-link { border-left: 1px solid var(--border); }
  .contact-bar-link svg { width: 1.05rem; height: 1.05rem; color: var(--accent); }
  .contact-bar-link:focus-visible { outline: none; box-shadow: inset 0 0 0 2px var(--accent); }
  body.has-contact-bar { padding-bottom: calc(46px + env(safe-area-inset-bottom, 0px)); }
}
@media (prefers-reduced-motion: reduce) {
  .contact-bar { transition: none; }
}

/* Keep the visually hidden radio inputs inside their label, so closed
   coverage panels don't leave blank scroll space under the footer. */
.choice { position: relative; }

/* Phone menu: solid background so page text doesn't show through under the
   header's backdrop blur. */
@media (max-width: 899px) {
  .header-tray { background: var(--bg); }
}