:root {
  --ink: #102f3a;
  --navy: #082f3d;
  --navy-deep: #05242f;
  --teal: #117b7d;
  --teal-light: #d9efec;
  --aqua: #85c7c4;
  --coral: #ef6d52;
  --coral-dark: #d9533b;
  --cream: #fbf7ef;
  --paper: #ffffff;
  --muted: #5d7077;
  --line: #dce6e6;
  --shadow-sm: 0 10px 30px rgba(8, 47, 61, .08);
  --shadow-lg: 0 24px 70px rgba(4, 33, 43, .2);
  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
}

html { scroll-behavior: smooth; scroll-padding-top: 110px; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; font-size: 17px; line-height: 1.68; -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4, h5, h6, .navbar-brand { color: var(--ink); font-family: inherit; font-weight: 800; letter-spacing: -.035em; line-height: 1.12; }
p { margin: 0 0 1.35rem; }
a { color: var(--teal); transition: color .18s ease; }
a:hover { color: #0a5f61; }
img { max-width: 100%; height: auto; }
.container { max-width: 1180px; }
.narrow-container { max-width: 860px; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 9999; background: #fff; color: var(--navy); padding: .75rem 1rem; border-radius: 6px; font-weight: 800; box-shadow: var(--shadow-sm); }
.skip-link:focus { top: 12px; }
:focus-visible { outline: 3px solid #ffab87; outline-offset: 3px; }
.eyebrow { display: inline-block; margin-bottom: .65rem; color: var(--teal); font-size: .76rem; font-weight: 800; letter-spacing: .12em; line-height: 1.3; text-transform: uppercase; }
.eyebrow-light { color: #93d8d3; }
.btn { border: 0; border-radius: 999px; font-size: .92rem; font-weight: 800; letter-spacing: -.01em; line-height: 1.25; text-transform: none; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.btn:hover { transform: translateY(-2px); }
.btn-coral { background: var(--coral); color: #fff !important; box-shadow: 0 9px 24px rgba(239, 109, 82, .28); }
.btn-coral:hover { background: var(--coral-dark); box-shadow: 0 12px 30px rgba(239, 109, 82, .36); }
.btn-navy { background: var(--navy); color: #fff !important; box-shadow: 0 10px 24px rgba(8, 47, 61, .18); }
.btn-navy:hover { background: var(--teal); }
.btn-lg { padding: .95rem 1.45rem; font-size: 1rem; }
.text-link { color: var(--teal); font-weight: 800; text-decoration: none; }
.text-link:hover { text-decoration: none; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 1040; box-shadow: 0 1px 0 rgba(8, 47, 61, .08); }
#mainNav { position: relative; top: auto; padding: .65rem 0; background: rgba(255,255,255,.97); border: 0; font-family: inherit; transform: none !important; backdrop-filter: blur(14px); }
#mainNav.is-fixed, #mainNav.is-visible { position: relative; top: auto; transform: none !important; }
.site-nav-inner { min-height: 58px; }
.site-brand { display: inline-flex; align-items: center; gap: .72rem; color: var(--navy) !important; font-size: 1.05rem; font-weight: 650; letter-spacing: -.03em; text-decoration: none !important; }
.site-brand strong { color: var(--teal); font-weight: 900; }
.brand-mark { position: relative; display: inline-block; width: 34px; height: 38px; flex: 0 0 auto; background: var(--teal); border-radius: 15px 15px 18px 18px; clip-path: polygon(50% 0, 94% 15%, 88% 70%, 50% 100%, 12% 70%, 6% 15%); }
.brand-mark::before, .brand-mark::after { content: ""; position: absolute; left: 50%; top: 48%; background: #fff; transform: translate(-50%, -50%); border-radius: 2px; }
.brand-mark::before { width: 16px; height: 4px; }
.brand-mark::after { width: 4px; height: 16px; }
#mainNav .navbar-nav .nav-link { padding: .65rem .85rem; color: #294750 !important; font-size: .82rem; font-weight: 750; letter-spacing: .015em; text-transform: none; }
#mainNav .navbar-nav .nav-link:hover, #mainNav .navbar-nav .nav-link[aria-current="page"] { color: var(--teal) !important; }
#mainNav .nav-cta .nav-link { margin-left: .65rem; padding: .72rem 1.15rem; background: var(--coral); border-radius: 999px; color: #fff !important; box-shadow: 0 8px 22px rgba(239,109,82,.22); }
#mainNav .nav-cta .nav-link:hover { background: var(--coral-dark); }
.navbar-toggler { display: inline-flex; align-items: center; gap: .6rem; border: 1px solid var(--line); border-radius: 8px; color: var(--navy); font-size: .75rem; font-weight: 800; }
.menu-lines, .menu-lines::before, .menu-lines::after { display: block; width: 18px; height: 2px; background: var(--navy); content: ""; }
.menu-lines { position: relative; }
.menu-lines::before { position: absolute; top: -6px; }
.menu-lines::after { position: absolute; top: 6px; }
.assurance-bar { background: var(--navy); color: #d5ecec; font-size: .74rem; font-weight: 700; letter-spacing: .015em; }
.assurance-items { display: flex; justify-content: center; gap: 2.2rem; padding-top: .42rem; padding-bottom: .42rem; }
.assurance-items span { white-space: nowrap; }
.assurance-items i { margin-right: .28rem; color: #8cd7cf; font-style: normal; }

/* Reusable sections */
.section-shell { padding: 88px 0; }
.section-heading { margin-bottom: 2.4rem; }
.section-heading h2 { margin: 0; font-size: clamp(2rem, 4vw, 3.2rem); }
.section-heading p { max-width: 650px; margin-top: .8rem; color: var(--muted); }
.centered-heading { max-width: 760px; margin-right: auto; margin-bottom: 3rem; margin-left: auto; text-align: center; }
.centered-heading p { margin-right: auto; margin-left: auto; }
.heading-row { display: flex; align-items: flex-end; justify-content: space-between; gap: 2rem; }

/* Homepage */
.home-hero { position: relative; overflow: hidden; padding: 78px 0 86px; background: var(--navy); color: #fff; isolation: isolate; }
.home-hero::before { position: absolute; right: -8%; bottom: -55%; width: 620px; height: 620px; border: 120px solid rgba(132,199,196,.08); border-radius: 50%; content: ""; }
.home-hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0, 1fr) minmax(380px, 470px); align-items: center; gap: 6vw; }
.home-hero-copy h1 { max-width: 720px; margin: 0 0 1.2rem; color: #fff; font-size: clamp(2.65rem, 5.3vw, 4.9rem); line-height: .99; }
.hero-lead { max-width: 650px; color: #d4e6e8; font-size: 1.22rem; line-height: 1.62; }
.hero-checks { margin: 1.7rem 0 2rem; padding: 0; list-style: none; }
.hero-checks li { position: relative; margin: .7rem 0; padding-left: 1.75rem; color: #edf8f8; font-weight: 650; }
.hero-checks li::before { position: absolute; left: 0; top: .1rem; color: #88d4ce; content: "✓"; font-weight: 900; }
.hero-proof { display: flex; gap: 2rem; padding-top: 1rem; border-top: 1px solid rgba(255,255,255,.14); }
.hero-proof div { display: flex; flex-direction: column; }
.hero-proof strong { color: #fff; font-size: 1.6rem; line-height: 1.1; }
.hero-proof span { margin-top: .2rem; color: #a9c5c9; font-size: .74rem; }
.home-hero-form .quote-card { margin: 0; }
.hero-image-panel { position: absolute; inset: 0 0 0 53%; z-index: 0; opacity: .08; }
.hero-image-panel::after { position: absolute; inset: 0; background: linear-gradient(90deg, var(--navy), transparent 40%, var(--navy)); content: ""; }
.hero-image-panel img { width: 100%; height: 100%; object-fit: cover; }
.process-section { background: var(--cream); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.process-grid article { position: relative; padding: 2rem; overflow: hidden; background: #fff; border: 1px solid rgba(8,47,61,.08); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.step-number { color: var(--aqua); font-size: 2.5rem; font-weight: 900; letter-spacing: -.07em; }
.process-grid h3 { margin: .85rem 0 .7rem; font-size: 1.32rem; }
.process-grid p { margin: 0; color: var(--muted); font-size: .94rem; }
.topics-section { background: #fff; }
.topic-card-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 1.35rem; }
.topic-card-grid-wide { grid-template-columns: repeat(2, minmax(0,1fr)); }
.topic-card-pro { display: flex; flex-direction: column; overflow: hidden; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); box-shadow: 0 3px 0 rgba(8,47,61,.02); text-decoration: none !important; transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.topic-card-pro:hover { border-color: #aed3d0; color: var(--ink); box-shadow: 0 18px 48px rgba(8,47,61,.12); transform: translateY(-5px); }
.topic-card-image { display: block; overflow: hidden; aspect-ratio: 3/1.35; background: var(--cream); }
.topic-card-image img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.topic-card-pro:hover .topic-card-image img { transform: scale(1.025); }
.topic-card-copy { display: flex; flex: 1; flex-direction: column; padding: 1.35rem 1.4rem 1.45rem; }
.topic-card-copy small { color: var(--teal); font-size: .7rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.topic-card-copy strong { margin: .45rem 0 .55rem; color: var(--ink); font-size: 1.18rem; line-height: 1.25; }
.topic-card-copy > span { flex: 1; color: var(--muted); font-size: .86rem; line-height: 1.55; }
.topic-card-copy b { margin-top: 1rem; color: var(--teal); font-size: .83rem; }
.topic-card-copy b i { font-style: normal; }
.broker-section { background: var(--cream); }
.broker-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); align-items: center; gap: 6vw; }
.broker-visual { position: relative; }
.broker-visual::before { position: absolute; top: -18px; right: -18px; width: 48%; height: 48%; background: var(--coral); border-radius: var(--radius); content: ""; }
.broker-visual img { position: relative; width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.broker-copy h2 { margin: 0 0 1.2rem; font-size: clamp(2rem,4vw,3.4rem); }
.broker-copy > p { color: var(--muted); }
.reason-list { margin: 1.6rem 0; }
.reason-list > div { display: grid; grid-template-columns: 28px 1fr; gap: .6rem; margin: .9rem 0; }
.reason-list span { display: grid; width: 24px; height: 24px; place-items: center; background: var(--teal-light); border-radius: 50%; color: var(--teal); font-size: .78rem; font-weight: 900; }
.reason-list p { margin: 0; color: var(--muted); font-size: .92rem; }
.reason-list strong { color: var(--ink); }
.microcopy { margin-top: .85rem !important; font-size: .72rem; line-height: 1.55; }
.editorial-section { background: var(--navy); color: #d2e3e5; }
.editorial-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 7vw; }
.editorial-grid h2 { color: #fff; font-size: clamp(2rem,4vw,3.3rem); }
.editorial-points { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem 2rem; }
.editorial-points p { margin: 0; font-size: .9rem; }
.editorial-points strong { display: block; margin-bottom: .25rem; color: #fff; }

/* Quote form */
.quote-card { position: relative; margin: 2.5rem 0; padding: 1.75rem; background: #fff; border: 1px solid rgba(8,47,61,.1); border-radius: var(--radius); color: var(--ink); box-shadow: var(--shadow-lg); }
.quote-card-head h2 { margin: 0 0 .6rem; font-size: 1.7rem; }
.quote-card-head p { margin-bottom: 1.15rem; color: var(--muted); font-size: .88rem; line-height: 1.5; }
.quote-progress { position: relative; display: none; margin: 0 0 1.25rem; padding-top: .15rem; }
.quote-card.is-multistep-card .quote-progress { display: block; }
.quote-progress-track { position: absolute; top: 15px; right: 15%; left: 15%; height: 3px; overflow: hidden; background: #dce7e8; border-radius: 3px; }
.quote-progress-track span { display: block; width: 0; height: 100%; background: var(--teal); border-radius: inherit; transition: width .24s ease; }
.quote-progress ol { position: relative; display: grid; grid-template-columns: repeat(3, 1fr); margin: 0; padding: 0; list-style: none; }
.quote-progress li { display: grid; justify-items: center; gap: .27rem; color: #829398; font-size: .63rem; font-weight: 800; text-transform: uppercase; }
.quote-progress li > span { display: grid; width: 29px; height: 29px; place-items: center; background: #edf2f2; border: 2px solid #dce7e8; border-radius: 50%; color: #60767c; font-size: .68rem; transition: all .2s ease; }
.quote-progress li.is-active, .quote-progress li.is-complete { color: var(--teal); }
.quote-progress li.is-active > span, .quote-progress li.is-complete > span { background: var(--teal); border-color: var(--teal); color: #fff; box-shadow: 0 4px 11px rgba(17,123,125,.2); }
.quote-step[hidden] { display: none !important; }
.quote-step { min-height: 246px; }
.quote-searching-panel[hidden] { display: none !important; }
.quote-searching-panel { display: flex; min-height: 246px; align-items: center; flex-direction: column; justify-content: center; padding: 1.25rem .5rem; text-align: center; }
.quote-searching-panel h3 { margin: .25rem 0 .55rem; color: var(--ink); font-size: 1.25rem; }
.quote-searching-panel p { max-width: 330px; margin: 0; color: var(--muted); font-size: .76rem; line-height: 1.5; }
.quote-search-spinner { position: relative; width: 54px; height: 54px; margin-bottom: .85rem; border: 4px solid #dcebea; border-top-color: var(--teal); border-radius: 50%; animation: quote-spin .8s linear infinite; }
.quote-search-spinner span { position: absolute; inset: 9px; background: var(--teal-light); border-radius: 50%; }
.quote-searching-panel.is-ready .quote-search-spinner { background: var(--teal); border-color: var(--teal); animation: none; }
.quote-searching-panel.is-ready .quote-search-spinner::after { position: absolute; top: 11px; left: 17px; width: 14px; height: 24px; border-right: 4px solid #fff; border-bottom: 4px solid #fff; content: ""; transform: rotate(45deg); }
.quote-searching-panel.is-ready .quote-search-spinner span { display: none; }
.quote-search-lines { display: grid; width: min(280px, 90%); gap: .35rem; margin-top: 1rem; }
.quote-search-lines i { display: block; height: 5px; overflow: hidden; background: #e7eeee; border-radius: 10px; }
.quote-search-lines i::after { display: block; width: 45%; height: 100%; background: linear-gradient(90deg, transparent, var(--aqua), transparent); content: ""; animation: quote-search 1s ease-in-out infinite; }
.quote-search-lines i:nth-child(2)::after { animation-delay: .15s; }
.quote-search-lines i:nth-child(3)::after { animation-delay: .3s; }
.quote-searching-panel.is-ready .quote-search-lines { opacity: 0; }
@keyframes quote-spin { to { transform: rotate(360deg); } }
@keyframes quote-search { from { transform: translateX(-110%); } to { transform: translateX(260%); } }
.quote-step-kicker { display: block; margin-bottom: .3rem; color: var(--teal); font-size: .65rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.quote-step h3 { margin: 0 0 1rem; color: var(--ink); font-size: 1.2rem; line-height: 1.2; }
.quote-step-assurance { margin: .65rem 0 0; color: var(--muted); font-size: .67rem; text-align: center; }
.quote-step-actions { display: flex; align-items: center; justify-content: space-between; gap: .8rem; margin-top: .4rem; }
.quote-step-actions .quote-step-next { min-width: 148px; }
.quote-step-back { padding: .55rem .2rem; background: transparent; border: 0; color: #536b72; cursor: pointer; font-size: .74rem; font-weight: 800; }
.quote-step-back:hover { color: var(--teal); }
.quote-step-back-final { display: block; margin: .35rem auto 0; }
.quote-why-phone { margin: -.35rem 0 .9rem; padding: .7rem .8rem; background: var(--teal-light); border-radius: 8px; color: #315860; font-size: .72rem; line-height: 1.45; }
.quote-form:not(.is-multistep) .quote-step-next, .quote-form:not(.is-multistep) .quote-step-back { display: none; }
.quote-form:not(.is-multistep) .quote-step { min-height: 0; margin-top: 1.2rem; padding-top: 1.2rem; border-top: 1px solid var(--line); }
.quote-label { display: flex; align-items: center; justify-content: space-between; margin-bottom: .42rem; color: #25444e; font-size: .76rem; font-weight: 800; letter-spacing: .025em; }
.quote-label .optional { color: #809096; font-size: .68rem; font-weight: 650; text-transform: uppercase; }
.quote-form .form-group { margin-bottom: .9rem; }
.quote-form fieldset { min-width: 0; margin: 0 0 .9rem; padding: 0; border: 0; }
.quote-form legend { padding: 0; }
.quote-form .form-control { height: 46px; padding: .6rem .75rem; background: #fbfcfc; border: 1px solid #cbd8db; border-radius: 8px; color: var(--ink); font-size: .91rem; box-shadow: none; }
.quote-form .form-control:focus { background: #fff; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(17,123,125,.13); }
.pill-group { display: grid; grid-template-columns: repeat(4,1fr); gap: .42rem; }
.pill { position: relative; margin: 0; }
.pill input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.pill span { display: block; padding: .63rem .2rem; background: #f7f9f9; border: 1px solid #cbd8db; border-radius: 8px; cursor: pointer; font-size: .75rem; font-weight: 750; text-align: center; transition: all .16s; }
.pill input:checked + span, .pill.selected span { background: var(--teal); border-color: var(--teal); color: #fff; box-shadow: 0 5px 14px rgba(17,123,125,.17); }
.pill input:focus-visible + span { outline: 3px solid rgba(239,109,82,.35); }
.consent { display: flex; align-items: flex-start; gap: .55rem; margin: .15rem 0 0; color: #60747b; cursor: pointer; font-size: .7rem; line-height: 1.45; }
.consent input { width: 17px; height: 17px; flex: 0 0 auto; margin-top: .1rem; accent-color: var(--teal); }
.consent a { font-weight: 700; text-decoration: underline; }
.has-error .form-control, .has-error .pill span { border-color: #c43d36; }
.field-error { margin-top: .25rem; color: #b52f29; font-size: .72rem; font-weight: 700; }
.quote-submit { margin-top: .55rem; padding: .9rem .75rem; white-space: normal; }
.quote-submit:disabled { cursor: wait; opacity: .72; transform: none; }
.consent-group-post-submit { margin-top: .85rem; }
.trust-line { display: flex; justify-content: center; gap: .65rem; margin: .75rem 0 0; color: #6b7d83; font-size: .64rem; line-height: 1.25; text-align: center; }
.trust-line span { white-space: nowrap; }
.quote-alert { font-size: .82rem; }
.hp-field { position: absolute; left: -9999px; top: -9999px; height: 0; overflow: hidden; }
.quote-card-compact .quote-card-head h2 { font-size: 1.55rem; }
.quote-card-compact .consent { font-size: .66rem; }

/* Topic hub and cluster */
.page-hero, .simple-hero { position: relative; overflow: hidden; padding: 76px 0; background: var(--navy); color: #d5e7e9; }
.page-hero::after, .simple-hero::after { position: absolute; right: -140px; bottom: -280px; width: 520px; height: 520px; border: 95px solid rgba(133,199,196,.08); border-radius: 50%; content: ""; }
.page-hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.3fr .7fr; align-items: end; gap: 6vw; }
.page-hero h1, .simple-hero h1 { margin: 0 0 1rem; color: #fff; font-size: clamp(2.6rem,5vw,4.7rem); }
.page-hero p, .simple-hero p { max-width: 720px; margin: 0; color: #c7dcdf; font-size: 1.1rem; }
.page-hero-callout { padding: 1.6rem; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); }
.page-hero-callout strong { display: block; margin-bottom: .4rem; color: #fff; font-size: 1.05rem; }
.page-hero-callout p { margin-bottom: 1rem; font-size: .86rem; }
.guides-index-section { background: var(--cream); }
.hiuk-breadcrumb .breadcrumb { margin: 0 0 2rem; padding: 0; background: transparent; font-size: .74rem; }
.hiuk-breadcrumb .breadcrumb-item + .breadcrumb-item::before { content: "›"; }
.cluster-hero { padding: 64px 0; background: var(--navy); color: #d5e7e9; }
.cluster-hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 5vw; }
.cluster-hero-copy h1 { margin: 0 0 1rem; color: #fff; font-size: clamp(2.5rem,5vw,4.5rem); }
.cluster-hero-copy > p { color: #c9dfe1; font-size: 1.03rem; }
.cluster-hero-image img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.light-breadcrumb { display: flex; flex-wrap: wrap; align-items: center; gap: .5rem; margin-bottom: 1.5rem; color: #91aeb3; font-size: .7rem; }
.light-breadcrumb a { color: #c4dadd; }
.light-breadcrumb b { color: #fff; }
.cluster-list-section { background: #fff; }
.cluster-toolbar { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2rem; }
.cluster-toolbar h2 { margin: 0; font-size: 2.5rem; }
.guide-search { display: flex; flex-direction: column; width: min(100%, 360px); margin: 0; color: var(--muted); font-size: .72rem; font-weight: 800; text-transform: uppercase; }
.guide-search input { height: 48px; margin-top: .35rem; padding: 0 1rem; background: #f9fbfb; border: 1px solid var(--line); border-radius: 10px; color: var(--ink); font-size: .9rem; text-transform: none; }
.guide-search input:focus { border-color: var(--teal); outline: 3px solid rgba(17,123,125,.12); }
.filter-status { min-height: 1.5rem; color: var(--teal); font-size: .8rem; font-weight: 800; }
.guide-card-list { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; }
.guide-card { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.35rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); transition: border-color .18s, box-shadow .18s, transform .18s; }
.guide-card:hover { border-color: #a8d2cf; box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.guide-card small { display: block; margin-bottom: .3rem; color: var(--teal); font-size: .62rem; font-weight: 850; letter-spacing: .06em; text-transform: uppercase; }
.guide-card h2 { margin: 0; font-size: 1.02rem; line-height: 1.3; }
.guide-card h2 a { color: var(--ink); text-decoration: none; }
.guide-card p { margin: .45rem 0 0; color: var(--muted); font-size: .75rem; line-height: 1.5; }
.guide-card-arrow { display: grid; width: 36px; height: 36px; flex: 0 0 auto; place-items: center; background: var(--teal-light); border-radius: 50%; color: var(--teal); font-weight: 900; text-decoration: none !important; }
.other-topics { margin-top: 4rem; padding-top: 2.5rem; border-top: 1px solid var(--line); }
.other-topics h2 { font-size: 1.8rem; }
.inline-topics { display: flex; flex-wrap: wrap; gap: .55rem; margin: 1rem 0 0; padding: 0; list-style: none; }
.inline-topics a { display: inline-block; padding: .55rem .8rem; background: var(--cream); border: 1px solid var(--line); border-radius: 999px; color: var(--ink); font-size: .75rem; font-weight: 750; text-decoration: none; }

/* Long-form articles */
.reading-progress { position: fixed; top: 0; left: 0; z-index: 2000; width: 100%; height: 4px; pointer-events: none; }
.reading-progress span { display: block; width: 0; height: 100%; background: var(--coral); box-shadow: 0 0 12px rgba(239,109,82,.6); }
.guide-hero { padding: 58px 0; background: var(--navy); color: #d3e5e7; }
.guide-hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 4.5vw; }
.guide-hero-copy h1 { margin: 0 0 1rem; color: #fff; font-size: clamp(2.15rem,4.3vw,4.1rem); line-height: 1.04; text-wrap: balance; }
.guide-deck { max-width: 720px; color: #c6dade; font-size: 1.02rem; line-height: 1.58; }
.guide-meta { display: flex; flex-wrap: wrap; gap: .65rem 1.2rem; color: #93afb4; font-size: .7rem; font-weight: 700; }
.guide-meta a { color: #fff; }
.guide-hero-image { margin: 0; }
.guide-hero-image img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.long-form-guide { padding: 58px 0 80px; }
.article-container { max-width: 1380px; }
.article-layout { align-items: stretch; }
.article-main { min-width: 0; padding-right: 2.7rem; }
.article-sidebar { min-width: 0; align-self: stretch; }
.article-intro-bar { display: flex; flex-wrap: wrap; gap: .55rem; margin-bottom: 1.5rem; }
.article-intro-bar span { padding: .38rem .65rem; background: var(--teal-light); border-radius: 999px; color: #176568; font-size: .64rem; font-weight: 800; }
.article-toc { margin: 0 0 2.4rem; padding: 1.5rem 1.6rem; background: var(--cream); border: 1px solid #e8e2d7; border-radius: var(--radius); }
.article-toc[hidden] { display: none; }
.article-toc h2 { margin: 0 0 1rem; font-size: 1.3rem; }
.article-toc ol { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem 1.5rem; margin: 0; padding-left: 1.15rem; }
.article-toc li { padding-left: .2rem; color: var(--teal); font-size: .76rem; line-height: 1.4; }
.article-toc a { color: var(--ink); font-weight: 700; text-decoration: none; }
.article-body { color: #29444d; }
.article-body p { margin-bottom: 1.35rem; font-size: 1.02rem; line-height: 1.82; }
.article-body > p:first-child { padding: 1.25rem 1.4rem; background: #eef8f7; border-left: 4px solid var(--teal); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; color: var(--ink); font-size: 1.04rem; }
.article-body h2 { margin: 3rem 0 1rem; color: var(--ink); font-size: 1.85rem; scroll-margin-top: 120px; text-wrap: balance; }
.article-body h3 { margin: 2rem 0 .75rem; font-size: 1.3rem; }
.article-body ul, .article-body ol { margin-bottom: 1.5rem; padding-left: 1.4rem; }
.article-body li { margin-bottom: .48rem; }
.article-body a { color: #096c6f; font-weight: 700; text-decoration: underline; text-decoration-color: #8cc9c7; text-decoration-thickness: 2px; text-underline-offset: 3px; }
.article-body blockquote { margin: 1.5rem 0; padding: 1rem 1.2rem; background: var(--cream); border-left: 4px solid var(--coral); color: #40575f; }
.article-body .table-wrap { overflow-x: auto; margin: 1.5rem 0 2rem; border: 1px solid var(--line); border-radius: 12px; }
.article-body table { width: 100%; margin: 0; border-collapse: collapse; font-size: .82rem; }
.article-body caption { padding: .9rem 1rem; background: var(--navy); color: #fff; caption-side: top; font-weight: 800; text-align: left; }
.article-body th, .article-body td { padding: .8rem .85rem; border-bottom: 1px solid var(--line); vertical-align: top; text-align: left; }
.article-body th { background: #f0f7f6; color: var(--ink); }
.article-body tr:last-child td { border-bottom: 0; }
.cta-inline { margin: 2.7rem 0; padding: 1.8rem; background: var(--navy); border-radius: var(--radius); color: #d5e6e8; box-shadow: var(--shadow-sm); }
.cta-inline h3 { margin: 0 0 .7rem; color: #fff; font-size: 1.55rem; }
.cta-inline p { margin-bottom: 1.1rem; font-size: .9rem; }
.cta-inline small { display: block; margin-top: .8rem; color: #9bb7bb; font-size: .65rem; }
.sticky-quote { position: sticky; top: 116px; height: max-content; max-height: calc(100vh - 132px); padding: 0 .25rem .5rem; overflow-y: auto; overscroll-behavior: contain; scrollbar-width: thin; }
.sticky-quote .quote-card { margin: 0; padding: 1.55rem 1.45rem 1.15rem; box-shadow: var(--shadow-lg); }
.sticky-quote .quote-card-head h2 { font-size: 1.58rem; }
.sticky-quote .quote-card-head p { font-size: .82rem; }
.sticky-quote .quote-form .form-row { display: block; margin-right: 0; margin-left: 0; }
.sticky-quote .quote-form .form-row > [class*="col-"] { max-width: 100%; padding-right: 0; padding-left: 0; }
.sticky-quote .pill-group { grid-template-columns: 1fr 1fr; }
.sticky-quote .quote-step { min-height: 254px; }
.sticky-quote-note { margin: .6rem .4rem 0; color: var(--muted); font-size: .63rem; line-height: 1.45; text-align: center; }
.global-quote-rail { display: none; }
@media (min-width: 1320px) {
  body.has-global-quote-rail #main-content { padding-right: 420px; }
  .global-quote-rail { position: fixed; top: 112px; right: 18px; z-index: 1020; display: block; width: 386px; max-height: calc(100vh - 128px); padding: 0 .2rem .5rem; overflow-y: auto; overscroll-behavior: contain; scrollbar-width: thin; }
  .global-quote-rail .quote-card { margin: 0; padding: 1.35rem 1.25rem 1rem; box-shadow: 0 22px 65px rgba(5,36,47,.2); }
  .global-quote-rail .quote-card-head h2 { font-size: 1.5rem; }
  .global-quote-rail .quote-card-head p { font-size: .78rem; }
  .global-quote-rail .quote-form .form-row { display: block; margin-right: 0; margin-left: 0; }
  .global-quote-rail .quote-form .form-row > [class*="col-"] { max-width: 100%; padding-right: 0; padding-left: 0; }
  .global-quote-rail .pill-group { grid-template-columns: 1fr 1fr; }
  .global-quote-rail .quote-step { min-height: 238px; }
}
.article-end-cta { margin-top: 3rem; padding: 2.2rem; background: linear-gradient(145deg, #edf8f7, #fbf7ef); border: 1px solid #dce9e7; border-radius: var(--radius); }
.article-end-cta h2 { margin: 0 0 .8rem; font-size: 1.75rem; }
.article-end-cta p { color: var(--muted); font-size: .92rem; }
.article-disclaimer { margin: 1.5rem 0 0; padding: 1rem 1.1rem; background: #f7f9f9; border-radius: 8px; color: #66787e; font-size: .68rem; line-height: 1.55; }
.related-guides { margin-top: 3.5rem; padding-top: 2.4rem; border-top: 1px solid var(--line); }
.related-guides h2 { margin: 0 0 1.25rem; font-size: 1.8rem; }
.related-guide-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .65rem; }
.related-guide-grid a { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .9rem 1rem; background: var(--cream); border: 1px solid #e7e1d7; border-radius: 9px; color: var(--ink); font-size: .74rem; font-weight: 750; line-height: 1.4; text-decoration: none; }
.related-guide-grid b { color: var(--teal); }

/* Quote page */
.quote-page-hero { position: relative; padding: 68px 0 80px; background: var(--navy); color: #d2e5e7; }
.quote-page-grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(410px,500px); align-items: center; gap: 6vw; }
.quote-page-copy h1 { margin: 0 0 1rem; color: #fff; font-size: clamp(2.8rem,5.5vw,5rem); line-height: .98; }
.quote-page-copy > p { max-width: 650px; color: #c5dbde; font-size: 1.08rem; }
.quote-page-form .quote-card { margin: 0; }
.quote-reasons { margin: 1.8rem 0; }
.quote-reasons > div { display: grid; grid-template-columns: 38px 1fr; gap: .8rem; margin: 1rem 0; }
.quote-reasons span { display: grid; width: 34px; height: 34px; place-items: center; background: rgba(134,203,198,.15); border: 1px solid rgba(134,203,198,.25); border-radius: 50%; color: #9dd9d5; font-size: .68rem; font-weight: 900; }
.quote-reasons p { margin: 0; color: #bfd5d8; font-size: .86rem; }
.quote-reasons strong { color: #fff; }
.quote-page-disclosure { font-size: .68rem !important; }
.quote-explainer { background: var(--cream); }
.question-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1rem; }
.question-grid article { padding: 1.5rem; background: #fff; border: 1px solid #e3e8e7; border-radius: var(--radius); }
.question-grid article > span { display: grid; width: 36px; height: 36px; margin-bottom: 1rem; place-items: center; background: var(--teal-light); border-radius: 50%; color: var(--teal); font-weight: 900; }
.question-grid h3 { font-size: 1.05rem; }
.question-grid p { margin: 0; color: var(--muted); font-size: .79rem; }
.quote-safety { padding: 72px 0; background: #fff; }
.quote-safety-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 6vw; }
.quote-safety h2 { font-size: 2.4rem; }
.quote-safety p { color: var(--muted); }

/* General pages and legacy page compatibility */
.simple-hero { padding: 70px 0; }
.simple-hero h1 { max-width: 820px; }
.prose-page { background: #fff; }
.prose-page h2 { margin: 2.6rem 0 .8rem; font-size: 1.8rem; }
.prose-page h2:first-of-type { margin-top: 0; }
.prose-page h3 { font-size: 1.15rem; }
.prose-page p, .prose-page li { color: #3f5961; }
.principle-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 2.5rem 0; }
.principle-grid article { padding: 1.4rem; background: var(--cream); border: 1px solid #e8e2d7; border-radius: var(--radius-sm); }
.principle-grid article > span { color: var(--coral); font-size: .7rem; font-weight: 900; }
.principle-grid h3 { margin: .5rem 0; }
.principle-grid p { margin: 0; font-size: .83rem; }
.author-panel { display: grid; grid-template-columns: 78px 1fr; gap: 1.25rem; margin-top: 3rem; padding: 1.7rem; background: #edf8f7; border-radius: var(--radius); }
.author-initials { display: grid; width: 68px; height: 68px; place-items: center; background: var(--navy); border-radius: 50%; color: #fff; font-weight: 900; }
.author-panel h2 { margin: 0 0 .4rem; }
.author-panel p { margin: 0; font-size: .85rem; }
.contact-section { background: var(--cream); }
.contact-card { display: grid; grid-template-columns: 64px 1fr; gap: 1.2rem; padding: 2rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.contact-icon { display: grid; width: 58px; height: 58px; place-items: center; background: var(--teal); border-radius: 50%; color: #fff; font-weight: 900; }
.contact-card h2 { margin: 0 0 .55rem; font-size: 1.35rem; word-break: break-word; }
.contact-card p { margin: 0; color: var(--muted); font-size: .86rem; }
.contact-notes { margin-top: 2.5rem; }
.contact-notes h2 { font-size: 1.35rem; }
.updated-note { color: var(--muted); font-size: .75rem; }
.privacy-notice h2 { margin-top: 2.5rem; font-size: 1.65rem; }
.privacy-notice h3 { margin-top: 1.4rem; font-size: 1.1rem; }
.legacy-condition-page article { padding-bottom: 70px; }
.legacy-condition-page article > .container { max-width: 900px; }
.legacy-condition-page article p { color: #344f58; font-size: 1rem; line-height: 1.78; }
.legacy-condition-page article h2 { margin: 2.5rem 0 1rem; font-size: 1.75rem; }
.legacy-condition-notice { margin-top: -26px; margin-bottom: 48px; padding: 1.45rem 1.6rem; background: #fff7ed; border: 1px solid #f0ddc2; border-left: 5px solid var(--coral); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); }
.legacy-condition-notice h2 { margin: 0 0 .55rem !important; font-size: 1.35rem !important; }
.legacy-condition-notice p { margin: 0; color: #5d554b !important; font-size: .82rem !important; line-height: 1.58 !important; }
header.masthead { display: flex; min-height: 380px; align-items: center; margin: 0 0 58px; background-position: center; }
header.masthead .overlay { background: var(--navy); opacity: .82; }
header.masthead .page-heading, header.masthead .post-heading, header.masthead .site-heading { padding: 105px 0 65px; }
header.masthead h1 { color: #fff; font-size: clamp(2.5rem,5vw,4.4rem); }
header.masthead .subheading { color: #d0e1e3; font-family: inherit; }
article > .container > .row > [class*="col-"], main > .container > .row > [class*="col-"] { min-width: 0; }

/* Global CTA and footer */
.cta-band { padding: 64px 0; background: var(--teal); color: #eaffff; }
.cta-band-inner { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 3rem; }
.cta-band h2 { max-width: 760px; margin: 0 0 .7rem; color: #fff; font-size: clamp(1.9rem,3.5vw,3rem); }
.cta-band p { max-width: 780px; margin: 0; font-size: .93rem; }
.cta-band .eyebrow { color: #c9f0ed; }
.cta-band-action { display: flex; flex-direction: column; align-items: center; gap: .55rem; }
.cta-band-action small { color: #d7f2ef; font-size: .67rem; font-weight: 700; }
.site-footer { padding: 72px 0 28px; background: var(--navy-deep); color: #9fb8bc; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .7fr 1fr; gap: 3rem; }
.footer-brand { color: #fff !important; }
.footer-brand-block p { max-width: 320px; margin-top: 1rem; font-size: .8rem; }
.site-footer h2 { margin: 0 0 1rem; color: #fff; font-size: .82rem; letter-spacing: .03em; }
.site-footer ul { margin: 0; padding: 0; list-style: none; }
.site-footer li { margin: .38rem 0; }
.site-footer a { color: #bad0d3; font-size: .78rem; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.footer-action p { font-size: .78rem; }
.footer-action .btn { color: #fff; font-size: .75rem; }
.footer-disclosure { margin-top: 3.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.1); }
.footer-disclosure p { margin: .4rem 0; color: #78989d; font-size: .62rem; line-height: 1.55; }
.footer-disclosure a { color: #a7cace; font-size: inherit; text-decoration: underline; }

/* Exit-intent and mobile conversion rail */
.exit-modal[hidden] { display: none !important; }
.exit-modal { position: fixed; inset: 0; z-index: 3000; display: grid; padding: 28px; place-items: center; }
.exit-modal-backdrop { position: absolute; inset: 0; background: rgba(3,27,35,.78); backdrop-filter: blur(5px); }
.exit-modal-dialog { position: relative; z-index: 1; display: grid; grid-template-columns: .82fr 1.18fr; width: min(980px, 100%); max-height: calc(100vh - 56px); overflow: auto; background: #fff; border-radius: var(--radius-lg); box-shadow: 0 35px 100px rgba(0,0,0,.38); }
.exit-modal-copy { display: flex; flex-direction: column; justify-content: center; padding: 3rem 2.5rem; background: var(--navy); border-radius: var(--radius-lg) 0 0 var(--radius-lg); color: #c7dcdf; }
.exit-modal-copy h2 { margin: 0 0 1rem; color: #fff; font-size: 2.5rem; }
.exit-modal-copy p { font-size: .88rem; }
.exit-modal-copy ul { margin: .5rem 0 0; padding: 0; list-style: none; }
.exit-modal-copy li { position: relative; margin: .7rem 0; padding-left: 1.5rem; font-size: .78rem; }
.exit-modal-copy li::before { position: absolute; left: 0; color: #8ed5cf; content: "✓"; font-weight: 900; }
.exit-modal-form { padding: 1.1rem; }
.exit-modal-form .quote-card { margin: 0; box-shadow: none; }
.exit-modal-close { position: absolute; top: 12px; right: 14px; z-index: 4; width: 38px; height: 38px; padding: 0; background: #eef4f4; border: 0; border-radius: 50%; color: var(--navy); cursor: pointer; font-size: 1.55rem; line-height: 1; }
.exit-modal-open { overflow: hidden; }
.mobile-quote-bar { display: none; }

@media (max-width: 991px) {
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom)); }
  body.no-mobile-cta { padding-bottom: 0; }
  .site-header { position: relative; }
  #mainNav .navbar-collapse { padding: .6rem 0 1rem; }
  #mainNav .navbar-nav { align-items: stretch !important; }
  #mainNav .nav-cta .nav-link { display: block; margin: .5rem 0 0; text-align: center; }
  .assurance-items { justify-content: flex-start; overflow-x: auto; }
  .home-hero-grid, .quote-page-grid { grid-template-columns: 1fr; }
  .home-hero-form, .quote-page-form { max-width: 620px; width: 100%; }
  .hero-image-panel { inset: 0; }
  .topic-card-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .broker-grid, .editorial-grid, .cluster-hero-grid, .guide-hero-grid { grid-template-columns: 1fr; }
  .broker-visual { max-width: 680px; }
  .cluster-hero-image, .guide-hero-image { max-width: 720px; }
  .guide-hero-copy { order: 1; }
  .guide-hero-image { order: 2; }
  .article-main { padding-right: 15px; }
  .article-sidebar { margin-top: 2.5rem; }
  .sticky-quote { position: static; max-height: none; overflow: visible; }
  .sticky-quote .quote-card { max-width: 700px; margin: auto; }
  .question-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-action { grid-column: 1 / -1; }
}

@media (max-width: 767px) {
  body { font-size: 16px; }
  .section-shell { padding: 64px 0; }
  .home-hero, .page-hero, .simple-hero { padding: 58px 0; }
  .home-hero-copy h1 { font-size: 2.75rem; }
  .hero-proof { gap: 1rem; }
  .hero-proof strong { font-size: 1.25rem; }
  .hero-proof span { font-size: .62rem; }
  .process-grid, .topic-card-grid, .topic-card-grid-wide, .guide-card-list { grid-template-columns: 1fr; }
  .topic-card-image { aspect-ratio: 3/1.45; }
  .heading-row, .cluster-toolbar { align-items: flex-start; flex-direction: column; }
  .broker-grid { gap: 3rem; }
  .editorial-points { grid-template-columns: 1fr; }
  .page-hero-grid { grid-template-columns: 1fr; }
  .page-hero-callout { margin-top: 1rem; }
  .guide-hero { padding: 42px 0; }
  .guide-meta { gap: .45rem 1rem; }
  .article-toc ol, .related-guide-grid { grid-template-columns: 1fr; }
  .article-body h2 { font-size: 1.55rem; }
  .article-body p { font-size: 1rem; line-height: 1.75; }
  .question-grid, .quote-safety-grid, .principle-grid { grid-template-columns: 1fr; }
  .quote-page-grid { gap: 2.5rem; }
  .quote-page-grid > *, .quote-card, .quote-form, .quote-step, .pill { min-width: 0; }
  .quote-page-hero { padding: 24px 0 54px; }
  .quote-page-form { order: -1; }
  .quote-card { width: 100%; max-width: 100%; margin: 1.5rem 0; padding: 1.4rem 1.2rem; overflow: hidden; }
  .quote-card-head h2 { font-size: 1.6rem; }
  .quote-card-head p { font-size: .9rem; line-height: 1.5; }
  .quote-progress { margin-bottom: 1rem; }
  .quote-progress li { font-size: .66rem; }
  .quote-progress li > span { width: 32px; height: 32px; font-size: .75rem; }
  .quote-progress-track { top: 16px; }
  .quote-step { min-height: 0; }
  .quote-step h3 { font-size: 1.3rem; }
  .quote-label { font-size: .86rem; }
  .quote-form .form-control { height: 52px; font-size: 16px; }
  .pill-group { grid-template-columns: 1fr 1fr; }
  .pill span { display: flex; min-height: 52px; align-items: center; justify-content: center; padding: .65rem .3rem; font-size: .82rem; line-height: 1.25; touch-action: manipulation; }
  .quote-step-next, .quote-submit { min-height: 52px; touch-action: manipulation; }
  .quote-step-back { min-height: 44px; padding: .65rem .35rem; font-size: .8rem; touch-action: manipulation; }
  .quote-card .consent { gap: .7rem; font-size: .8rem; line-height: 1.5; }
  .consent input { width: 22px; height: 22px; margin-top: .05rem; }
  .quote-why-phone { padding: .8rem .9rem; font-size: .8rem; }
  .quote-searching-panel { min-height: 280px; padding: 1.5rem .25rem; }
  .quote-searching-panel p { font-size: .82rem; }
  .trust-line { gap: .5rem .8rem; font-size: .69rem; }
  .cta-band-inner { grid-template-columns: 1fr; gap: 1.5rem; }
  .cta-band-action { align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand-block, .footer-action { grid-column: 1 / -1; }
  .exit-modal { display: none !important; }
}

@media (max-width: 480px) {
  .assurance-items { gap: 1.2rem; }
  .assurance-items span:nth-child(2) { display: none; }
  .home-hero-copy h1, .quote-page-copy h1 { font-size: 2.45rem; }
  .hero-lead { font-size: 1.02rem; }
  .hero-proof { display: grid; grid-template-columns: repeat(3,1fr); }
  .quote-card { padding: 1.25rem 1rem; border-radius: 15px; }
  .quote-card-head h2 { font-size: 1.45rem; }
  .pill-group { grid-template-columns: 1fr 1fr; }
  .trust-line { flex-wrap: wrap; }
  .guide-hero-copy h1 { font-size: 2.2rem; }
  .cluster-hero-copy h1 { font-size: 2.45rem; }
  .article-end-cta { padding: 1.5rem; }
  .article-end-cta h2 { font-size: 1.5rem; }
  .contact-card { grid-template-columns: 1fr; padding: 1.4rem; }
  .contact-card h2 { font-size: 1.05rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand-block, .footer-action { grid-column: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

/* ---- Aggressive CTA: persistent mobile bar + article hero button ---- */
.guide-hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: .6rem 1rem; margin-top: 1.6rem; }
.guide-hero-cta-note { font-size: .8rem; color: #cfe3e2; max-width: 30ch; }

.mobile-quote-bar { display: none; }
@media (max-width: 991.98px) {
  .mobile-quote-bar {
    display: flex; align-items: center; justify-content: space-between; gap: .75rem;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 1030;
    padding: .6rem .9rem calc(.6rem + env(safe-area-inset-bottom, 0px));
    background: var(--navy); color: #fff; text-decoration: none;
    box-shadow: 0 -8px 24px rgba(4, 33, 43, .28); border-top: 2px solid var(--coral);
  }
  .mobile-quote-bar-text { display: flex; flex-direction: column; line-height: 1.2; }
  .mobile-quote-bar-text strong { font-size: .98rem; color: #fff; }
  .mobile-quote-bar-text small { font-size: .72rem; color: #b7d0d2; }
  .mobile-quote-bar-btn {
    flex: none; background: var(--coral); color: #fff; font-weight: 800;
    padding: .62rem 1.15rem; border-radius: 999px; font-size: .95rem; white-space: nowrap;
    box-shadow: 0 8px 22px rgba(239, 109, 82, .32);
  }
  /* Keep the fixed bar from covering the last of the page. */
  body:not(.no-mobile-cta) { padding-bottom: 4.75rem; }
}
body.no-mobile-cta .mobile-quote-bar { display: none; }

/* ---- Branded error pages ---- */
.error-panel { padding: clamp(3rem, 9vw, 6rem) 0; text-align: center; }
.error-panel .container { max-width: 680px; }
.error-panel h1 { font-size: clamp(1.8rem, 5vw, 2.6rem); margin: .4rem 0 .8rem; color: var(--navy); }
.error-panel p { color: #4c5a5e; font-size: 1.05rem; }
.error-actions { display: flex; flex-wrap: wrap; gap: .8rem; justify-content: center; margin: 1.6rem 0 1rem; }
.btn-outline { border: 1.5px solid var(--navy); color: var(--navy); background: transparent; padding: .72rem 1.3rem; border-radius: 999px; font-weight: 650; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.error-links { font-size: .92rem; margin-top: 1rem; }


/* Persuasion panel: shown only when Search is clicked without a valid phone number. */
.quote-persuade{margin:0 0 1rem;padding:1rem 1.1rem;border:1px solid #f0c98a;border-left:4px solid #e07a3f;background:#fff8ef;border-radius:10px;animation:persuadeIn .25s ease-out}
.quote-persuade-lead{margin:0 0 .6rem;font-size:1.02rem;color:#8a3d12}
.quote-persuade ul{margin:0 0 .6rem;padding-left:1.15rem;display:grid;gap:.5rem}
.quote-persuade li{font-size:.92rem;line-height:1.45;color:#3a2a1c}
.quote-persuade-foot{margin:0;font-size:.86rem;color:#6b5b4c}
@keyframes persuadeIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion: reduce){.quote-persuade{animation:none}}