/* ==========================================================================
   TrueCare Insurance Services — Modern stylesheet
   Brand: deep navy + teal + warm gold accent
   ========================================================================== */
:root{
  --navy:#103b4f;
  --navy-2:#15506b;
  --teal:#1aa79a;
  --teal-dark:#0e8377;
  --teal-deep:#0a6259;
  --teal-bright:#26c2b2;
  --gold:#f4a92c;
  --gold-dark:#e0951a;
  --ink:#22323a;
  --muted:#5a6b73;
  --line:#dceaea;
  --bg:#ffffff;
  --bg-soft:#f1f9f8;
  --bg-navy-soft:#e6f4f2;
  --radius:14px;
  --radius-sm:10px;
  --shadow-sm:0 4px 14px rgba(15,44,77,.07);
  --shadow:0 14px 40px rgba(15,44,77,.12);
  --maxw:1180px;
  --sans:'Inter',system-ui,Segoe UI,Roboto,Arial,sans-serif;
  --head:'Poppins',var(--sans);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark);text-decoration:none}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4vw,3rem);font-weight:800;letter-spacing:-.5px}
h2{font-size:clamp(1.55rem,3vw,2.25rem);font-weight:700}
h3{font-size:1.3rem;font-weight:600}
p{margin:0 0 1.1em}
.container{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip-link{position:absolute;left:-999px}
.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 16px;z-index:1000;border-radius:8px}

/* Buttons -------------------------------------------------------------- */
.btn{display:inline-block;font-family:var(--head);font-weight:600;font-size:.97rem;padding:13px 26px;border-radius:50px;cursor:pointer;border:2px solid transparent;transition:.2s ease;text-align:center;line-height:1}
.btn-accent{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.btn-accent:hover{background:var(--gold-dark);border-color:var(--gold-dark);color:var(--navy);transform:translateY(-2px)}
.btn-primary{background:var(--teal);color:#fff;border-color:var(--teal)}
.btn-primary:hover{background:var(--teal-dark);color:#fff;transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-block{display:block;width:100%}

/* Topbar (teal, reference style) --------------------------------------- */
.topbar{background:var(--teal);color:#fff;font-size:.86rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;min-height:44px;flex-wrap:wrap;gap:8px}
.topbar a{color:#fff}
.topbar a:hover{color:#eafbf8}
.topbar-links a{margin-right:18px;font-weight:500}
.topbar-right{display:flex;align-items:center;gap:14px}
.topbar-call{font-family:var(--head);font-weight:700}
.topbar-call a{font-weight:700}
.soc{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;color:#fff}
.soc svg{width:16px;height:16px;display:block}
.soc:hover{color:#eafbf8}

/* Header / nav --------------------------------------------------------- */
.site-header{background:#fff;position:sticky;top:0;z-index:200;box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:18px}
.logo{flex-shrink:0;display:flex;align-items:center}
.logo img{width:auto;height:52px;max-width:none}
.primary-nav>ul{list-style:none;display:flex;align-items:center;gap:0;margin:0;padding:5px 6px;flex-wrap:nowrap;background:var(--teal);border-radius:50px;box-shadow:0 6px 18px rgba(10,98,89,.25)}
.primary-nav a{font-family:var(--head);font-weight:600;font-size:.8rem;letter-spacing:.4px;text-transform:uppercase;color:#fff;padding:10px 13px;border-radius:50px;display:inline-block;white-space:nowrap}
.primary-nav>ul>li>a:hover{color:#fff;background:rgba(255,255,255,.18)}
.primary-nav li.active>a{color:#fff;background:rgba(255,255,255,.22)}
.caret{display:inline-block;width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;margin-left:5px;vertical-align:middle;opacity:.85}
.has-sub{position:relative}
.subnav{position:absolute;top:calc(100% + 8px);left:0;background:#fff;list-style:none;margin:0;padding:8px;min-width:248px;border-radius:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s;border-top:3px solid var(--teal)}
.has-sub:hover .subnav,.has-sub:focus-within .subnav{opacity:1;visibility:visible;transform:translateY(0)}
.subnav a{display:block;padding:10px 14px;border-radius:8px;font-weight:500;font-size:.9rem;color:var(--navy);text-transform:none;letter-spacing:0}
.subnav a:hover{background:var(--bg-soft);color:var(--teal-dark)}
.nav-cta{margin-left:4px}
.nav-cta .btn{padding:9px 18px;text-transform:none;letter-spacing:0}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{width:26px;height:3px;background:var(--navy);border-radius:3px;transition:.25s}
.nav-close{display:none;position:absolute;top:14px;right:16px;width:44px;height:44px;background:none;border:0;font-size:2.2rem;line-height:1;color:var(--navy);cursor:pointer;border-radius:8px}
.nav-close:hover{background:var(--bg-soft);color:var(--teal-dark)}

/* Hero slider (reference style) ---------------------------------------- */
.hero-slider{position:relative;overflow:hidden;background:var(--teal-deep);min-height:clamp(500px,76vh,700px)}
.hslide{position:absolute;inset:0;display:flex;align-items:center;opacity:0;visibility:hidden;transition:opacity .9s ease;z-index:0}
.hslide.is-active{opacity:1;visibility:visible;z-index:1}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;border:0}
.hero-overlay{position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(180deg,rgba(8,62,56,.42) 0%,rgba(8,62,56,.22) 45%,rgba(8,62,56,.58) 100%)}
.hslide .container{position:relative;z-index:2;text-align:center;max-width:820px;margin:0 auto;padding:54px 22px}
.hslide-inner{display:inline-block;background:rgba(8,62,56,.30);padding:34px 46px;border-radius:14px;max-width:660px}
.hslide h1{color:#fff;font-style:italic;font-size:clamp(2.2rem,5vw,3.4rem);margin-bottom:.3em;text-shadow:0 2px 16px rgba(0,0,0,.45)}
.hslide .sub{font-family:var(--head);font-weight:600;font-style:italic;color:#fff;font-size:clamp(1.05rem,2.2vw,1.3rem);margin:0 auto 1.4em;text-shadow:0 1px 10px rgba(0,0,0,.5)}
.hero-arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:5;background:rgba(255,255,255,.22);border:0;color:#fff;width:48px;height:48px;border-radius:50%;font-size:1.5rem;line-height:1;cursor:pointer;transition:.2s;display:flex;align-items:center;justify-content:center}
.hero-arrow:hover{background:rgba(255,255,255,.42)}
.hero-arrow.prev{left:16px}
.hero-arrow.next{right:16px}
.hero-dots{position:absolute;bottom:20px;left:0;right:0;z-index:5;display:flex;gap:9px;justify-content:center}
.hero-dots .dot{width:32px;height:4px;border-radius:3px;background:rgba(255,255,255,.45);border:0;cursor:pointer;padding:0;transition:.2s}
.hero-dots .dot.is-active{background:#fff}
.hero-dots .dot:hover{background:rgba(255,255,255,.75)}
.home-hero .eyebrow{color:#bff3ec;font-family:var(--head);font-weight:600;letter-spacing:2px;text-transform:uppercase;font-size:.82rem;display:block;margin-bottom:16px}
.home-hero h1{color:#fff;margin-bottom:.4em;font-size:clamp(2.1rem,4.6vw,3.4rem)}
.home-hero p{font-size:1.2rem;color:#eafbf8;max-width:640px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-badges{display:flex;gap:26px;flex-wrap:wrap;margin-top:42px;padding-top:28px;border-top:1px solid rgba(255,255,255,.25)}
.hero-badges div{font-size:.9rem;color:#eafbf8}
.hero-badges strong{display:block;font-family:var(--head);font-size:1.7rem;color:#fff}

/* Page hero (inner) ---------------------------------------------------- */
.page-hero{background:var(--navy);color:#fff;padding:60px 0 56px;background-size:cover;background-position:center}
.page-hero h1{color:#fff;margin:0}
.page-hero .hero-sub{color:#dbe6f2;font-size:1.1rem;max-width:680px;margin:.5em 0 0}
.crumbs{font-size:.85rem;color:#bcd0e6;margin-bottom:14px}
.crumbs a{color:#bcd0e6}.crumbs a:hover{color:#fff}.crumbs span{margin:0 6px;opacity:.6}

/* Sections / layout ---------------------------------------------------- */
.section{padding:74px 0}
.section.soft{background:var(--bg-soft)}
.section-head{text-align:center;max-width:720px;margin:0 auto 48px}
.section-head .eyebrow{color:var(--teal-dark);font-family:var(--head);font-weight:600;letter-spacing:2px;text-transform:uppercase;font-size:.8rem;display:block;margin-bottom:10px}
.section-head p{color:var(--muted)}
.lead{font-size:1.18rem;color:var(--muted)}

.layout{display:grid;grid-template-columns:1fr 330px;gap:48px;align-items:start}
.content-prose h2{margin-top:1.4em}
.content-prose h2:first-child{margin-top:0}
.content-prose ul{padding-left:1.1em}
.content-prose li{margin-bottom:.5em}
.content-prose img{border-radius:var(--radius);box-shadow:var(--shadow-sm);margin:8px 0 26px}
.callout{background:var(--bg-navy-soft);border-left:4px solid var(--teal);padding:20px 24px;border-radius:0 12px 12px 0;margin:26px 0}
.callout p:last-child{margin-bottom:0}

/* Sidebar -------------------------------------------------------------- */
.sidebar{display:flex;flex-direction:column;gap:22px;position:sticky;top:96px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}
.side-card h3{font-size:1.15rem}
.side-cta{background:var(--navy);color:#fff;border:0}
.side-cta h3{color:#fff}.side-cta p{color:#cdd9e7;font-size:.94rem}
.side-links{list-style:none;margin:0;padding:0}
.side-links li{border-bottom:1px solid var(--line)}
.side-links li:last-child{border-bottom:0}
.side-links a{display:flex;align-items:center;padding:12px 0;font-weight:500;color:var(--navy)}
.side-links a:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--teal);margin-right:11px;transition:.2s}
.side-links a:hover{color:var(--teal-dark);padding-left:5px}
.side-links a.active{color:var(--teal-dark)}
.side-phone{text-align:center;background:var(--bg-soft)}
.side-phone .eyebrow{font-size:.78rem;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted)}
.side-phone .phone{display:block;font-family:var(--head);font-weight:700;font-size:1.5rem;color:var(--navy);margin:6px 0 10px}
.side-phone p{font-size:.88rem;color:var(--muted);margin:0}

/* Cards / grids -------------------------------------------------------- */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.card .card-img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card-body{padding:24px;flex:1;display:flex;flex-direction:column}
.card-body h3{margin-bottom:.4em}
.card-body p{color:var(--muted);font-size:.96rem}
.card .more{margin-top:auto;font-family:var(--head);font-weight:600;color:var(--teal-dark)}
.card .more:after{content:" \2192"}
.icon-card{text-align:left;padding:30px 26px}
.icon-card .ic{width:54px;height:54px;border-radius:12px;background:var(--bg-navy-soft);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:16px;font-family:var(--head);font-weight:700}

/* Service tiles (home) ------------------------------------------------- */
.svc-tile{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;box-shadow:var(--shadow-sm);transition:.25s;height:100%}
.svc-tile:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}
.svc-tile .ic{width:50px;height:50px;border-radius:12px;background:linear-gradient(135deg,var(--teal),var(--navy));color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:16px}
.svc-tile h3{font-size:1.18rem}
.svc-tile p{color:var(--muted);font-size:.95rem;margin-bottom:1em}
.svc-tile a.more{margin-top:auto;font-family:var(--head);font-weight:600;color:var(--teal-dark)}
.svc-tile a.more:after{content:" \2192"}

/* About strip ---------------------------------------------------------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.values{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:30px}
.value h3{font-size:1.1rem;margin-bottom:.3em}
.value p{font-size:.93rem;color:var(--muted);margin:0}

/* Stats band ----------------------------------------------------------- */
.stats{background:var(--navy);color:#fff}
.stats .grid-4{padding:56px 0;text-align:center}
.stats .num{font-family:var(--head);font-size:2.6rem;font-weight:800;color:var(--gold);display:block}
.stats .lbl{color:#cdd9e7;font-size:.95rem}

/* Testimonials --------------------------------------------------------- */
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm)}
.quote-card .mark{font-family:var(--head);font-size:3rem;line-height:.6;color:var(--teal);height:24px;display:block}
.quote-card p{font-style:italic;color:var(--ink)}
.quote-card .who{font-family:var(--head);font-weight:600;color:var(--navy);font-style:normal;font-size:.95rem;margin:0}
.quote-card .who span{display:block;font-weight:400;color:var(--muted);font-size:.85rem}

/* CTA band ------------------------------------------------------------- */
.cta-band{background:linear-gradient(120deg,var(--teal-dark),var(--navy));color:#fff;padding:54px 0}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .2em}
.cta-band p{color:#e7eef6;margin:0}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap}

/* Forms ---------------------------------------------------------------- */
.tc-form .hp{display:none}
.tc-form label{display:block;font-family:var(--head);font-weight:600;font-size:.86rem;color:var(--navy);margin-bottom:16px}
.tc-form input,.tc-form textarea{width:100%;margin-top:6px;padding:13px 15px;border:1px solid var(--line);border-radius:10px;font-family:var(--sans);font-size:1rem;background:#fff;transition:.2s}
.tc-form input:focus,.tc-form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(21,154,140,.15)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-note{padding:13px 16px;border-radius:10px;font-weight:500}
.form-note.success{background:#e6f6f1;color:#0f7c70;border:1px solid #bfe7dc}
.form-note.error{background:#fdecec;color:#b3261e;border:1px solid #f5c6c6}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}

/* Contact info grid ---------------------------------------------------- */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.info-item{background:var(--bg-soft);border-radius:var(--radius);padding:26px;text-align:center}
.info-item .ic{font-size:1.6rem;color:var(--teal-dark);margin-bottom:8px}
.info-item h3{font-size:1.05rem;margin-bottom:.3em}
.info-item p{color:var(--muted);font-size:.95rem;margin:0}

/* Blog ----------------------------------------------------------------- */
.post-meta{color:var(--muted);font-size:.88rem;margin-bottom:1.4em}
.post-meta .tag{display:inline-block;background:var(--bg-navy-soft);color:var(--teal-dark);font-weight:600;padding:3px 12px;border-radius:50px;font-size:.8rem;margin-right:10px;font-family:var(--head)}
.article{max-width:780px;margin:0 auto}
.article h2{margin-top:1.5em}
.article-hero{aspect-ratio:21/9;object-fit:cover;width:100%;border-radius:var(--radius);margin-bottom:30px}
.related{border-top:1px solid var(--line);margin-top:40px;padding-top:28px}

/* Footer --------------------------------------------------------------- */
.site-footer{background:var(--navy);color:#c6d4e4;padding-top:60px;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:36px;padding-bottom:46px}
.footer-col h4{color:#fff;font-size:1rem;margin-bottom:1em;letter-spacing:.3px}
.footer-col ul{list-style:none;margin:0;padding:0}
.footer-col li{margin-bottom:.55em}
.footer-col a{color:#c6d4e4}
.footer-col a:hover{color:var(--gold)}
.footer-about p{color:#aebfd2;margin-bottom:1.3em}
.footer-contact address{font-style:normal;color:#aebfd2}
.footer-contact a{color:#c6d4e4}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12)}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:center;padding:18px 0;flex-wrap:wrap;gap:8px;font-size:.85rem;color:#9fb2c8}
.footer-bottom a{color:#9fb2c8}.footer-bottom a:hover{color:#fff}.footer-bottom span{opacity:.5}

/* Audience self-identify paths ----------------------------------------- */
.audience{position:relative;margin-top:-58px;z-index:5}
.audience .container{max-width:1120px}
.apaths{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.apath{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 28px 30px;box-shadow:var(--shadow);transition:.25s;display:flex;flex-direction:column;overflow:hidden}
.apath:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--teal),var(--teal-bright))}
.apath:hover{transform:translateY(-6px);box-shadow:0 22px 50px rgba(10,98,89,.18)}
.apath .ic{width:58px;height:58px;border-radius:16px;background:var(--bg-navy-soft);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:1.7rem;margin-bottom:18px}
.apath h3{font-size:1.22rem;margin-bottom:.35em}
.apath .who{font-family:var(--head);font-weight:600;color:var(--teal-dark);font-size:.82rem;letter-spacing:1.5px;text-transform:uppercase;display:block;margin-bottom:12px}
.apath p{color:var(--muted);font-size:.96rem;margin-bottom:1.2em}
.apath .more{margin-top:auto;font-family:var(--head);font-weight:600;color:var(--teal-dark)}
.apath .more:after{content:" \2192";transition:.2s}
.apath:hover .more:after{margin-left:4px}

/* Agent / personal intro ----------------------------------------------- */
.agent-intro{display:grid;grid-template-columns:.9fr 1.1fr;gap:54px;align-items:center}
.agent-intro img{border-radius:20px;box-shadow:var(--shadow)}
.agent-intro .eyebrow{color:var(--teal-dark);font-family:var(--head);font-weight:600;letter-spacing:2px;text-transform:uppercase;font-size:.8rem;display:block;margin-bottom:12px}
.no-cost-pill{display:inline-flex;align-items:center;gap:9px;background:var(--bg-navy-soft);color:var(--teal-deep);font-family:var(--head);font-weight:600;font-size:.95rem;padding:11px 20px;border-radius:50px;margin:6px 0 4px}
.no-cost-pill:before{content:"\2713";display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;background:var(--teal);color:#fff;font-size:.8rem}

/* How we work list ----------------------------------------------------- */
.work-list{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:8px}
.work-item{display:flex;gap:16px;align-items:flex-start}
.work-item .step{flex-shrink:0;width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--teal-deep));color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--head);font-weight:700;font-size:1.1rem}
.work-item h3{font-size:1.08rem;margin-bottom:.25em}
.work-item p{color:var(--muted);font-size:.93rem;margin:0}

/* FAQ accordion -------------------------------------------------------- */
.faq{max-width:860px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:14px;box-shadow:var(--shadow-sm);overflow:hidden}
.faq details[open]{border-color:var(--teal)}
.faq summary{list-style:none;cursor:pointer;padding:20px 56px 20px 24px;font-family:var(--head);font-weight:600;color:var(--navy);font-size:1.05rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.6rem;font-weight:400;color:var(--teal-dark);transition:.2s}
.faq details[open] summary:after{transform:translateY(-50%) rotate(45deg)}
.faq summary:hover{color:var(--teal-dark)}
.faq .ans{padding:0 24px 22px;color:var(--muted)}
.faq .ans p{margin:0 0 .8em}.faq .ans p:last-child{margin-bottom:0}

/* Member / trust badge strip ------------------------------------------- */
.members{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.members .container{padding-top:40px;padding-bottom:40px;text-align:center}
.members .eyebrow{color:var(--muted);font-family:var(--head);font-weight:600;letter-spacing:2px;text-transform:uppercase;font-size:.78rem;display:block;margin-bottom:24px}
.member-row{display:flex;flex-wrap:wrap;gap:18px;justify-content:center}
.member-chip{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:50px;padding:12px 24px;font-family:var(--head);font-weight:600;color:var(--navy);font-size:.95rem;box-shadow:var(--shadow-sm)}
.member-chip .dot{width:9px;height:9px;border-radius:50%;background:var(--teal)}

/* Deadline / urgency banner -------------------------------------------- */
.deadline{background:linear-gradient(120deg,var(--gold),var(--gold-dark));color:#3a2a06;border-radius:14px;padding:22px 26px;display:flex;gap:16px;align-items:center;margin:0 0 26px}
.deadline .ic{font-size:1.8rem;flex-shrink:0}
.deadline strong{font-family:var(--head)}
.deadline p{margin:0;font-size:.98rem}

/* Teal service band (reference "I specialize in" band) ----------------- */
.brand-band{background:linear-gradient(140deg,var(--teal) 0%,var(--teal-deep) 100%);color:#fff;position:relative}
.brand-band .section-head .eyebrow{color:#bff3ec}
.brand-band .section-head h2{color:#fff}
.brand-band .section-head p{color:#dafaf5}
.brand-card{background:#fff;border-radius:16px;padding:34px 24px 28px;text-align:center;display:flex;flex-direction:column;box-shadow:0 18px 44px rgba(6,52,47,.22);transition:.25s}
.brand-card:hover{transform:translateY(-6px);box-shadow:0 26px 56px rgba(6,52,47,.3)}
.brand-card .ic{width:66px;height:66px;border-radius:50%;background:var(--bg-navy-soft);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:1.85rem;margin:0 auto 16px}
.brand-card .who{font-size:.72rem;letter-spacing:1.5px;text-transform:uppercase;color:var(--teal-dark);font-family:var(--head);font-weight:600;display:block;margin-bottom:6px}
.brand-card h3{font-size:1.16rem;margin-bottom:.45em}
.brand-card p{color:var(--muted);font-size:.92rem;margin-bottom:1.4em}
.brand-card .btn{margin-top:auto;align-self:center}

/* Check list (working with us) ----------------------------------------- */
.check-list{list-style:none;padding:0;margin:20px 0 28px}
.check-list li{position:relative;padding:9px 0 9px 38px;color:var(--ink);font-size:1rem}
.check-list li:before{content:"\2713";position:absolute;left:0;top:9px;width:25px;height:25px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700}

/* Star ratings on testimonials ----------------------------------------- */
.stars{color:var(--gold);letter-spacing:3px;font-size:1.05rem;margin-bottom:10px;display:block}
.quote-card .src{font-size:.78rem;color:var(--muted);margin:2px 0 0;font-family:var(--head)}

/* Photo contact band --------------------------------------------------- */
.contact-band{position:relative;background:center/cover no-repeat;padding:96px 0;color:#fff;text-align:center}
.contact-band:before{content:"";position:absolute;inset:0;background:rgba(8,62,56,.5)}
.contact-card{position:relative;z-index:1;max-width:580px;margin:0 auto;background:rgba(8,55,50,.8);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:46px 40px}
.contact-card h2{color:#fff;margin-bottom:.3em}
.contact-card p{color:#eafbf8;margin:.25em 0}
.contact-card .phone{font-family:var(--head);font-weight:700;font-size:1.55rem;color:#fff;display:inline-block;margin:16px 0 18px}
.contact-card .phone:hover{color:#bff3ec}

/* Responsive ----------------------------------------------------------- */
@media(max-width:980px){
  .apaths{grid-template-columns:1fr}
  .audience{margin-top:-30px}
  .agent-intro{grid-template-columns:1fr;gap:30px}
  .work-list{grid-template-columns:1fr}
  .layout{grid-template-columns:1fr}
  .sidebar{position:static}
  .split,.grid-4{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:1024px){
  .nav-toggle{display:flex}
  .nav-close{display:block}
  .primary-nav{position:fixed;inset:0 0 0 auto;width:min(330px,86vw);background:#fff;transform:translateX(100%);transition:.3s;box-shadow:var(--shadow);padding:74px 22px 30px;overflow-y:auto;z-index:300}
  .primary-nav.open{transform:translateX(0)}
  .primary-nav>ul{flex-direction:column;align-items:stretch;gap:0;background:transparent;border-radius:0;padding:0;box-shadow:none}
  .primary-nav>ul>li{border-bottom:1px solid var(--line)}
  .primary-nav a{padding:14px 6px;color:var(--navy);text-transform:none;letter-spacing:0;font-size:.98rem}
  .primary-nav>ul>li>a:hover{background:transparent;color:var(--teal-dark)}
  .primary-nav li.active>a{background:transparent;color:var(--teal-dark)}
  .subnav{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border-top:0;padding:0 0 8px 14px;min-width:0}
  .nav-cta{margin:16px 0 0}
  .caret{display:none}
  body.nav-open{overflow:hidden}
}
@media(max-width:860px){
  .grid-3{grid-template-columns:1fr}
}
@media(max-width:620px){
  .grid-2,.grid-4,.values,.info-grid,.split{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .cta-inner{flex-direction:column;align-items:flex-start}
  .section{padding:52px 0}
}

/* Page video (below hero on service pages) ----------------------------- */
.page-video{padding:48px 0 0}
.page-video video{width:100%;display:block;border-radius:var(--radius);box-shadow:var(--shadow);background:#000;aspect-ratio:16/9;object-fit:cover}
@media(max-width:620px){
  .page-video{padding:32px 0 0}
}

/* Webinars -------------------------------------------------------------- */
.section.soft{background:var(--bg-soft)}
.webinar-hero-img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow);margin:0 0 28px;display:block;object-fit:cover}
.presenter-card{display:flex;gap:18px;align-items:flex-start;background:var(--bg-navy-soft);border-radius:var(--radius);padding:20px 22px;margin:0 0 26px}
.presenter-card img{flex:0 0 auto;border-radius:12px;background:#fff;padding:6px;object-fit:contain}
.presenter-card p{margin:.3em 0 0;color:var(--muted);font-size:.96rem}

/* Featured webinar (index) */
.webinar-feature{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.webinar-feature-img{display:block;height:100%}
.webinar-feature-img img{width:100%;height:100%;min-height:280px;object-fit:cover;display:block}
.webinar-feature-body{padding:34px 38px 38px}
.webinar-feature-body .tag{display:inline-block;background:var(--bg-navy-soft);color:var(--teal-dark);font-weight:600;padding:4px 14px;border-radius:50px;font-size:.8rem;font-family:var(--head);margin-bottom:16px}
.webinar-feature-body p{color:var(--muted);margin-bottom:6px}
.tag-cpe{background:var(--gold)!important;color:var(--navy)!important}

/* Registration form band */
.reg-wrap{max-width:760px}
.webinar-register{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:38px 40px}
.wr-head{text-align:center;margin-bottom:26px}
.wr-head .eyebrow{color:var(--teal-dark);font-family:var(--head);font-weight:700;letter-spacing:2px;text-transform:uppercase;font-size:.8rem;display:block;margin-bottom:8px}
.wr-head h2{margin:0 0 .3em}
.wr-head p{color:var(--muted);margin:0}
.tc-form select{width:100%;margin-top:6px;padding:13px 15px;border:1px solid var(--line);border-radius:10px;font-family:var(--sans);font-size:1rem;background:#fff;transition:.2s}
.tc-form select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(21,154,140,.15)}
.wr-safe{text-align:center;color:var(--muted);font-size:.86rem;margin:14px 0 0}

@media(max-width:860px){
  .webinar-feature{grid-template-columns:1fr}
  .webinar-feature-img img{min-height:220px}
  .webinar-feature-body{padding:26px 24px 30px}
}
@media(max-width:620px){
  .webinar-register{padding:26px 20px}
  .presenter-card{flex-direction:column;gap:12px}
}