/* Land and Sea Insurance — v2 design system */
:root{
  --navy:#0E2A47; --navy-2:#163A5F; --green:#0B662D; --green-dk:#084D22;
  --teal:#1590A8; --gold:#F2B33D; --mist:#EEF4F5; --ink:#1F2A33;
  --muted:#5A6672; --line:#DCE5E8; --white:#fff;
  --head:"Bricolage Grotesque",system-ui,sans-serif;
  --body:"Figtree",system-ui,-apple-system,"Segoe UI",sans-serif;
  --shadow:0 10px 30px rgba(14,42,71,.10);
  --shadow-lg:0 22px 50px rgba(14,42,71,.18);
  --wrap:1240px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.6;color:var(--ink);background:var(--white)}
img{max-width:100%;display:block;height:auto}
a{color:var(--teal)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);line-height:1.12;letter-spacing:-.01em;margin:0}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 24px}
.section{padding:84px 0}
.section.mist{background:var(--mist)}
.section-head{max-width:640px;margin:0 0 40px}
.section-head h2{font-size:clamp(30px,3.6vw,44px);font-weight:700}
.section-head p{margin:12px 0 0;color:var(--muted);font-size:18px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute;left:-9999px}

/* Buttons: one style, pill shaped */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--body);font-weight:700;font-size:16px;text-decoration:none;padding:14px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .2s}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-dk)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-outline{background:#fff;color:var(--green);border-color:var(--green)}
.btn-outline:hover{background:var(--green);color:#fff}
.btn svg{width:18px;height:18px;fill:currentColor}

/* Header */
.topbar{background:var(--navy);color:#cfe0ea;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:16px}
.topbar a{color:#fff;text-decoration:none}
.lang{display:flex;gap:4px}
.lang a{padding:3px 10px;border-radius:999px;font-weight:600;color:#cfe0ea}
.lang a[aria-current="true"]{background:#fff;color:var(--navy)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line);transition:box-shadow .25s}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:12px;padding-bottom:12px;transition:padding .25s}
.logo img{height:78px;width:auto;transition:height .25s}
.site-header.scrolled{box-shadow:0 6px 20px rgba(14,42,71,.08)}
.site-header.scrolled .wrap{padding-top:6px;padding-bottom:6px}
.site-header.scrolled .logo img{height:56px}
.nav{display:flex;gap:6px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:16px;padding:8px 14px;border-radius:999px}
.nav a:hover{background:var(--mist)}
.nav a[aria-current="page"]{color:var(--green);background:#E6F1EA}
.header-cta{display:flex;align-items:center;gap:18px}
.header-phone{font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap;display:inline-flex;gap:6px;align-items:center}
.header-phone svg{width:17px;height:17px;fill:var(--green)}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.menu-toggle svg{width:30px;height:30px;stroke:currentColor}

/* Hero: navy panel with real text + photo */
.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);background:var(--navy);min-height:560px}
.hero-copy{display:flex;flex-direction:column;justify-content:center;padding:72px max(24px,calc((100vw - var(--wrap))/2 + 24px)) 120px;padding-right:56px;color:#dce8f0}
.hero h1{color:#fff;font-size:clamp(40px,5.2vw,68px);font-weight:800;letter-spacing:-.02em;max-width:14ch;text-wrap:balance}
.hero h1 .stroke{background:linear-gradient(transparent 78%,var(--gold) 78% 92%,transparent 92%)}
.hero p{font-size:19px;max-width:34ch;margin:20px 0 30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.hero-photo{background:url('../images/hero-photo.webp') center/cover no-repeat;min-height:100%}

/* Quote panel overlapping the hero */
.quote-panel{position:relative;z-index:5;margin-top:-72px}
.quote-card{background:#fff;border-radius:18px;box-shadow:var(--shadow-lg);padding:30px 32px 22px}
.quote-card h2{font-size:28px;font-weight:700}
.quote-card .lede{margin:4px 0 18px;color:var(--muted)}
.qq-form{display:grid;grid-template-columns:repeat(4,minmax(0,1fr)) auto;gap:12px}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:16px;color:var(--ink);padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;background:#fff;transition:border-color .2s}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal);outline:none;box-shadow:0 0 0 4px rgba(21,144,168,.15)}
.consent{font-size:13px;color:var(--muted);margin:14px 0 0}
.consent a{color:var(--muted)}

/* Trust row */
.trust{padding:34px 0 10px}
.trust ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust li{display:flex;gap:14px;align-items:center;font-weight:600;color:var(--navy)}
.trust .ic{flex:0 0 46px;height:46px;border-radius:50%;background:#FFF6E3;display:grid;place-items:center}
.trust .ic svg{width:22px;height:22px;fill:#B97F10}
.trust span{display:block;font-weight:400;color:var(--muted);font-size:15px}

/* Coverage cards: whole card is clickable */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.card{position:relative;background:#fff;border-radius:14px;box-shadow:var(--shadow);overflow:hidden;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card img{width:100%;aspect-ratio:1/1;object-fit:cover}
.cards.short .card img{aspect-ratio:1000/832}
.card-body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.card h3{font-size:24px;font-weight:700}
.card p{color:var(--muted);font-size:16px;margin:10px 0 18px;flex:1}
.card .card-link{font-weight:700;color:var(--green);text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.card .card-link::after{content:"";position:absolute;inset:0}
.card:hover .card-link{text-decoration:underline}
.cards + .cards{margin-top:28px}

/* Better coverage split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split h2{font-size:clamp(30px,3.6vw,44px)}
.split p{color:var(--muted);font-size:18px}
.checks{list-style:none;padding:0;margin:22px 0 30px;display:grid;gap:10px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{flex:0 0 22px;width:22px;height:22px;fill:var(--green);margin-top:3px}
.split-img{border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}
.split-img img{width:100%;aspect-ratio:2/1;object-fit:cover}

/* Producers + why */
.producers{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.producers img{border-radius:14px;aspect-ratio:1/1;object-fit:cover;width:100%}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.why .ic{width:52px;height:52px;border-radius:14px;background:var(--navy);display:grid;place-items:center;margin-bottom:16px}
.why .ic svg{width:26px;height:26px;fill:#fff}
.why h3{font-size:20px;margin-bottom:6px}
.why p{margin:0;color:var(--muted);font-size:16px}

/* Page banner (inner pages) */
.page-banner{background:var(--navy);color:#dce8f0;padding:64px 0 60px}
.page-banner h1{color:#fff;font-size:clamp(36px,4.6vw,56px);font-weight:800}
.page-banner p{max-width:60ch;font-size:19px;margin:14px 0 0}

/* Team */
.team{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.member{background:#fff;border-radius:14px;box-shadow:var(--shadow);overflow:hidden;display:flex;flex-direction:column}
.member img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top}
.member-body{padding:18px 20px 22px;display:flex;flex-direction:column;gap:4px;flex:1}
.member h3{font-size:21px}
.member .role{color:var(--muted);font-size:15px}
.member .badge{align-self:flex-start;font-size:13px;font-weight:700;color:var(--teal);background:#E5F4F7;padding:3px 10px;border-radius:999px;margin-top:6px}
.member-actions{display:flex;gap:8px;margin-top:14px}
.member-actions .btn{padding:10px 14px;font-size:14px;flex:1}
.about-intro{display:grid;grid-template-columns:auto 1fr;gap:48px;align-items:center}
.about-intro img{width:220px}

/* Contact */
.contact{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:start}
.form-card{background:#fff;border-radius:18px;box-shadow:var(--shadow);padding:34px}
.form-card h2{font-size:28px;margin-bottom:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
.form-grid .full{grid-column:1/-1}
.field label{display:block;font-weight:600;font-size:15px;margin-bottom:6px;color:var(--navy)}
.field textarea{min-height:120px;resize:vertical}
.agent-note{background:#E6F1EA;color:var(--green-dk);border-radius:10px;padding:10px 14px;font-weight:600;margin-top:14px;display:none}
.info-card{background:var(--mist);border-radius:18px;padding:30px}
.info-card h2{font-size:24px;margin-bottom:14px}
.info-card dl{margin:0;display:grid;gap:14px}
.info-card dt{font-weight:700;color:var(--navy)}
.info-card dd{margin:2px 0 0}
.info-card iframe{width:100%;height:220px;border:0;border-radius:12px;margin-top:20px}

/* Policy + thanks */
.policy{max-width:820px;font-size:16px}
.policy h2{font-size:30px;margin:44px 0 10px}
.policy h3{font-size:20px;margin:26px 0 6px}
.thanks{text-align:center;padding:100px 0}
.thanks h1{font-size:clamp(36px,4.6vw,56px)}
.thanks p{color:var(--muted);font-size:19px}

/* Footer */
.site-footer{background:var(--navy);color:#b9cbd8;padding:64px 0 28px;font-size:16px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.site-footer h3{color:#fff;font-size:18px;margin-bottom:12px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.footer-logo{background:#fff;border-radius:12px;padding:8px;display:inline-block;margin-bottom:14px}
.footer-logo img{height:64px;width:auto}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:44px;padding-top:20px;font-size:14px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}

/* Floating text button (desktop) + call/text bar (phones) */
.text-fab{position:fixed;right:22px;bottom:22px;z-index:60;display:inline-flex;align-items:center;gap:8px;background:var(--green);color:#fff;text-decoration:none;font-weight:700;padding:14px 20px;border-radius:999px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .3s,transform .3s,visibility .3s}
.text-fab.show{opacity:1;visibility:visible;transform:none}
.text-fab svg{width:20px;height:20px;fill:#fff}
.mobile-bar{display:none}

/* Scroll reveal (only when JS runs; respects reduced motion) */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .js .reveal{opacity:1;transform:none;transition:none}
  .card,.card:hover,.btn{transition:none;transform:none}
}

/* Responsive */
@media (max-width:1080px){
  .qq-form{grid-template-columns:1fr 1fr}
  .qq-form .btn{grid-column:1/-1}
  .why{grid-template-columns:1fr 1fr}
  .team{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:900px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;background:#fff;padding:10px 16px 18px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(14,42,71,.1)}
  .nav.open{display:flex}
  .nav a{padding:14px 12px;font-size:18px}
  .site-header .wrap{position:relative}
  .menu-toggle{display:block}
  .header-cta .btn,.header-phone{display:none}
  .hero{grid-template-columns:1fr;min-height:0}
  .hero-photo{order:-1;aspect-ratio:3/2;min-height:0}
  .hero-copy{padding:40px 24px 100px}
  .cards,.split,.contact,.about-intro,.footer-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .trust ul{grid-template-columns:1fr}
  .team{grid-template-columns:1fr 1fr}
  .producers{grid-template-columns:1fr 1fr}
  .about-intro img{width:160px}
  .text-fab{display:none}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -6px 20px rgba(14,42,71,.15)}
  .mobile-bar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:15px 10px calc(15px + env(safe-area-inset-bottom));font-weight:700;font-size:17px;text-decoration:none;color:#fff;background:var(--green)}
  .mobile-bar a + a{background:var(--navy)}
  .mobile-bar svg{width:20px;height:20px;fill:#fff}
  body{padding-bottom:62px}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .section{padding:60px 0}
  .logo img{height:64px}
  .site-header.scrolled .logo img{height:50px}
  .hero-copy{padding:32px 16px 96px}
  .quote-card{padding:24px 18px 18px}
  .qq-form,.form-grid{grid-template-columns:1fr}
  .cards,.team,.why{grid-template-columns:1fr}
  .form-card,.info-card{padding:24px 18px}
  .topbar .hours{display:none}
}

/* Carriers we work with (names only; official logos can replace these later) */
.carriers{padding:48px 0 8px}
.carriers h2{font-size:24px;font-weight:700}
.carriers p{margin:6px 0 20px;color:var(--muted)}
.carriers ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.carriers li{display:flex;align-items:center;justify-content:center;text-align:center;min-height:64px;padding:10px 12px;border:1.5px solid var(--line);border-radius:12px;font-family:var(--head);font-weight:600;font-size:16px;color:var(--navy-2);line-height:1.2;background:#fff}
@media (max-width:1080px){ .carriers ul{grid-template-columns:repeat(4,1fr)} }
@media (max-width:640px){ .carriers ul{grid-template-columns:repeat(2,1fr)} .carriers li{font-size:15px;min-height:56px} }

/* Carriers: auto-scrolling logo slider (pauses on hover; static grid if reduced motion) */
.carriers .marquee{overflow:hidden;-webkit-mask-image:linear-gradient(to right,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(to right,transparent,#000 7%,#000 93%,transparent)}
.carriers ul.marquee-track{display:flex;flex-wrap:nowrap;gap:16px;width:max-content;grid-template-columns:none;animation:carrier-scroll 45s linear infinite}
.carriers .marquee:hover .marquee-track{animation-play-state:paused}
.carriers .marquee-track li{flex:0 0 210px;height:84px;min-height:0}
.carriers .marquee-track img{max-width:160px;max-height:52px;width:auto;height:auto;object-fit:contain}
@keyframes carrier-scroll{to{transform:translateX(calc(-50% - 8px))}}
@media (max-width:640px){ .carriers .marquee-track li{flex-basis:170px;height:72px} .carriers ul.marquee-track{animation-duration:35s} }
@media (prefers-reduced-motion:reduce){
  .carriers .marquee{-webkit-mask-image:none;mask-image:none}
  .carriers ul.marquee-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}
  .carriers .marquee-track li[aria-hidden="true"]{display:none}
}

/* Section headings: ALL CAPS, one line across the full width */
.section-head{max-width:none}
.section-head h2,.split h2,.carriers h2,.quote-card h2{text-transform:uppercase;letter-spacing:.02em;line-height:1.1}
.section-head h2{font-size:clamp(24px,2.7vw,38px)}
.split h2{font-size:clamp(24px,2.5vw,34px)}
.carriers h2{font-size:22px}
.quote-card h2{font-size:26px}

/* Banner: Land and Sea logo in place of the headline */
.hero h1.hero-logo{margin:0;max-width:none}
.hero-logo img{width:clamp(220px,24vw,330px);height:auto;border-radius:26px;box-shadow:0 18px 40px rgba(0,0,0,.28)}
@media (max-width:900px){ .hero-logo img{width:210px} }

/* Quote form, trust bar and carriers sit on the same mist band as Better Coverage */
.quote-panel{background:linear-gradient(to bottom,transparent 72px,var(--mist) 72px)}
.trust,.carriers{background:var(--mist)}
.carriers{padding-bottom:64px}
.carriers .marquee-track li{background:#fff}

/* Hero: full-width photo with logo, text and buttons over it */
.hero{position:relative;display:block;min-height:620px;overflow:hidden;background:var(--navy)}
.hero-photo{position:absolute;inset:0;min-height:0;background-position:70% center;background-size:cover}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,42,71,.92) 0%,rgba(14,42,71,.78) 32%,rgba(14,42,71,.25) 58%,rgba(14,42,71,0) 75%)}
.hero-copy{position:relative;z-index:2;min-height:620px;max-width:none;padding-right:24px}
.hero p{text-shadow:0 1px 8px rgba(0,0,0,.35);color:#fff}
@media (max-width:900px){
  .hero,.hero-copy{min-height:0}
  .hero-photo{order:0;aspect-ratio:auto;background-position:62% center}
  .hero-photo::after{background:linear-gradient(180deg,rgba(14,42,71,.55) 0%,rgba(14,42,71,.82) 60%,rgba(14,42,71,.92) 100%)}
  .hero-copy{padding:40px 24px 110px}
}
@media (min-width:901px){
  .hero-photo{background-size:auto 100%;background-position:right center;background-color:var(--navy)}
  .hero-photo::after{background:linear-gradient(90deg,rgba(14,42,71,1) 0%,rgba(14,42,71,.96) 34%,rgba(14,42,71,.55) 46%,rgba(14,42,71,0) 60%)}
}
@media (min-width:901px) and (max-width:1250px){
  .hero-photo{background-size:cover;background-position:85% center}
  .hero-photo::after{background:linear-gradient(90deg,rgba(14,42,71,.95) 0%,rgba(14,42,71,.85) 40%,rgba(14,42,71,.2) 65%,rgba(14,42,71,0) 80%)}
}
@media (min-width:1251px){
  .hero-photo{inset:0 0 0 auto;height:100%;width:auto;aspect-ratio:954/640;max-width:100%;background-size:cover;background-position:center}
  .hero-photo::after{background:linear-gradient(90deg,rgba(14,42,71,1) 0%,rgba(14,42,71,.9) 14%,rgba(14,42,71,.4) 26%,rgba(14,42,71,0) 40%)}
}

/* Why-us: each icon centered over its own text */
.why > div{text-align:center}
.why .ic{margin-left:auto;margin-right:auto}
.why p{max-width:30ch;margin-left:auto;margin-right:auto}

/* Hero v3: photo fills the whole section, soft shade only behind the words */
.hero .hero-photo{inset:0;width:auto;height:auto;aspect-ratio:auto;max-width:none;background-size:cover;background-position:65% center;background-color:transparent}
.hero .hero-photo::after{background:linear-gradient(90deg,rgba(8,24,40,.62) 0%,rgba(8,24,40,.45) 30%,rgba(8,24,40,.12) 50%,rgba(8,24,40,0) 62%)}
.hero{background:#0E2A47}
.hero-logo img{border-radius:0;box-shadow:none;filter:drop-shadow(0 4px 14px rgba(0,0,0,.45))}
.hero p{text-shadow:0 2px 10px rgba(0,0,0,.6)}
@media (max-width:900px){
  .hero .hero-photo{background-position:62% center}
  .hero .hero-photo::after{background:linear-gradient(180deg,rgba(8,24,40,.35) 0%,rgba(8,24,40,.55) 55%,rgba(8,24,40,.7) 100%)}
}
@media (min-width:901px){ .hero .hero-photo{background-position:70% 72%} }
/* Photo flipped so the family sits on the right, clear of the text */
.hero .hero-photo{background-image:url('../images/hero-photo-flip.webp')}
@media (min-width:901px){ .hero .hero-photo{background-position:20% 72%} }
@media (max-width:900px){ .hero .hero-photo{background-position:38% center} }
/* Footer logo: no white box */
.footer-logo{background:none;border-radius:0;padding:0}
.footer-logo img{height:110px}
/* Full-resolution wide photo (1800px) so it stays sharp */
.hero .hero-photo{background-image:url('../images/hero-wide.webp')}
@media (min-width:901px){ .hero .hero-photo{background-position:60% 70%} }
@media (max-width:900px){ .hero .hero-photo{background-position:72% center} }
/* Lighter shade behind hero text */
.hero .hero-photo::after{background:linear-gradient(90deg,rgba(8,24,40,.38) 0%,rgba(8,24,40,.26) 30%,rgba(8,24,40,.08) 48%,rgba(8,24,40,0) 58%)}
.hero p{text-shadow:0 1px 3px rgba(0,0,0,.55),0 2px 14px rgba(0,0,0,.45)}
@media (max-width:900px){ .hero .hero-photo::after{background:linear-gradient(180deg,rgba(8,24,40,.25) 0%,rgba(8,24,40,.4) 55%,rgba(8,24,40,.55) 100%)} }
/* Slim page banner (team page) */
.page-banner.slim{padding:30px 0}
.page-banner.slim h1{text-transform:uppercase;letter-spacing:.02em;font-size:clamp(28px,3.4vw,42px);line-height:1.1}
/* No shade over the hero photo; text shadow only */
.hero .hero-photo::after{display:none}
.hero p{text-shadow:0 1px 3px rgba(0,0,0,.7),0 2px 16px rgba(0,0,0,.55)}
/* Footer social links */
.footer-social{display:flex;gap:22px;flex-wrap:wrap}
/* Team banner centered */
.page-banner.slim{text-align:center}
.hero-logo img{filter:drop-shadow(0 1px 1.5px rgba(0,0,0,.75)) drop-shadow(0 2px 10px rgba(0,0,0,.45))}
.hero .btn-ghost{background:rgba(0,0,0,.18)}
.hero .hero-photo{background-image:url('../images/hero-sunset.webp')}
.hero .hero-photo{background-image:url('../images/hero-sunset2.webp')}
.hero-logo img{filter:drop-shadow(0 1px 2px rgba(0,0,0,.5)) drop-shadow(0 3px 12px rgba(0,0,0,.35))}
/* Hero call button: solid green so it reads over the photo */
.hero .btn-ghost{background:var(--green);border-color:var(--green);color:#fff}
.hero .btn-ghost:hover{background:#08521f;border-color:#08521f}
/* Carrier tiles in the logo's navy */
.carriers li,.carriers .marquee-track li{background:var(--navy);border-color:var(--navy);color:#fff}
/* Phones: no hero photo section; quote form leads the page */
@media (max-width:700px){
  .hero{display:none}
  .quote-panel{margin-top:0;padding-top:20px;background:var(--mist)}
}
/* Home: scrolling team strip */
.team-marquee{overflow:hidden;-webkit-mask-image:linear-gradient(to right,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(to right,transparent,#000 5%,#000 95%,transparent)}
.team-track{list-style:none;margin:0;padding:0;display:flex;gap:18px;width:max-content;animation:team-scroll 70s linear infinite}
.team-marquee:hover .team-track{animation-play-state:paused}
.team-track li{flex:0 0 240px}
.team-track img{width:240px;height:280px;object-fit:cover;object-position:top;border-radius:14px;display:block}
.tm-cap{margin:10px 0 0;line-height:1.3}
.tm-cap strong{display:block;color:var(--navy);font-family:var(--head);font-size:17px}
.tm-cap span{color:var(--muted);font-size:14px}
@keyframes team-scroll{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 9px))}}
@media (max-width:640px){ .team-track li{flex-basis:190px} .team-track img{width:190px;height:230px} .team-track{animation-duration:55s} }
@media (prefers-reduced-motion:reduce){
  .team-marquee{overflow-x:auto;-webkit-mask-image:none;mask-image:none}
  .team-track{animation:none}
  .team-track li[aria-hidden="true"]{display:none}
}