/* ===========================================================
   J&B Insurance Agency — shared styles
   =========================================================== */

:root {
  --navy:      #0c2340;
  --navy-700:  #143259;
  --navy-600:  #1c4a80;
  --navy-500:  #2b64a8;
  /* Friendly green accent (variable names kept as --gold-* for simplicity) */
  --gold:      #22a95b;
  --gold-600:  #14893f;
  --gold-100:  #e7f7ee;
  --ink:       #0e1726;
  --slate:     #475569;
  --muted:     #6b7a90;
  --line:      #e4e9f0;
  --bg:        #ffffff;
  --bg-soft:   #f5f8fc;
  --bg-navy:   #0c2340;
  --success:   #1f9d55;
  --danger:    #d64545;
  --shadow-sm: 0 1px 2px rgba(12,35,64,.06), 0 1px 3px rgba(12,35,64,.08);
  --shadow-md: 0 10px 24px -8px rgba(12,35,64,.18);
  --shadow-lg: 0 30px 60px -22px rgba(12,35,64,.28);
  --radius:    16px;
  --radius-sm: 10px;
  --maxw:      1160px;
  --font-head: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
html, body { overflow-x: hidden; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.gate-open { overflow: hidden; }

h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.12; margin: 0 0 .4em; color: var(--navy); letter-spacing: -.02em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.22rem; font-weight: 700; }
p  { margin: 0 0 1rem; color: var(--slate); }
a  { color: var(--navy-600); text-decoration: none; }

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

.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 22px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 700; font-size: .78rem;
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--gold-600);
}
.eyebrow::before { content:""; width: 26px; height: 2px; background: var(--gold); border-radius: 2px; }

.lead { font-size: 1.12rem; color: var(--slate); max-width: 60ch; }

section { padding: clamp(56px, 8vw, 92px) 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 62ch; margin-bottom: 2.6rem; }
.section-head.center { margin-inline: auto; text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  --_bg: var(--gold); --_fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-head); font-weight: 700; font-size: 1rem;
  padding: .85rem 1.5rem; border-radius: 999px; border: 2px solid transparent;
  background: var(--_bg); color: var(--_fg); cursor: pointer;
  transition: transform .15s ease, box-shadow .2s ease, background .2s ease;
  box-shadow: 0 8px 18px -8px rgba(34,169,91,.5);
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 14px 26px -10px rgba(34,169,91,.6); }
.btn.btn-navy  { --_bg: var(--navy); --_fg:#fff; box-shadow: 0 10px 22px -10px rgba(12,35,64,.6); }
.btn.btn-ghost { --_bg: transparent; --_fg: var(--navy); border-color: var(--line); box-shadow:none; }
.btn.btn-ghost:hover { border-color: var(--navy); }
.btn.btn-white { --_bg:#fff; --_fg: var(--navy); box-shadow: 0 10px 22px -12px rgba(0,0,0,.4); }
.btn.btn-outline-light { --_bg:transparent; --_fg:#fff; border-color: rgba(255,255,255,.4); box-shadow:none;}
.btn.btn-outline-light:hover { border-color:#fff; background: rgba(255,255,255,.08); }
.btn.lg { padding: 1rem 1.9rem; font-size: 1.06rem; }

/* ===========================================================
   Language gate
   =========================================================== */
.gate {
  position: fixed; inset: 0; z-index: 3000;
  display: grid; place-items: center; padding: 24px;
  background: linear-gradient(180deg, #ffffff 0%, #f6f9fd 100%);
  color: var(--ink);
}
.gate::before {
  content:""; position:absolute; left:0; right:0; top:0; height:5px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
}
.gate[hidden] { display: none; }
.gate-inner { width: min(560px, 100%); text-align: center; animation: rise .5s ease both; }
.gate-logo { display:flex; justify-content:center; margin-bottom: 1.4rem; }
.gate h1, .gate-title { color: var(--navy); font-size: clamp(1.8rem, 5vw, 2.5rem); margin-bottom:.4rem; }
.gate p, .gate-sub { color: var(--muted); margin-bottom: 2rem; font-size: 1.02rem; }
.gate .es-line { display:block; color: var(--gold-600); font-weight:700; font-size: 1.02rem; margin-top:.25rem;}
.gate-sub .es-line { color: var(--muted); font-weight:500; font-size:.92rem; }
.gate-choices { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.lang-card {
  appearance: none; cursor: pointer; text-align: center;
  background: #fff; border: 1.5px solid var(--line);
  border-radius: var(--radius); padding: 1.7rem 1.2rem; color: var(--ink);
  font-family: var(--font-head); box-shadow: var(--shadow-sm);
  transition: transform .16s ease, box-shadow .2s, border-color .2s;
}
.lang-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.lang-flag { display:block; font-size: 2.4rem; line-height:1; margin-bottom:.7rem; }
.lang-name { display:block; font-weight: 800; font-size: 1.12rem; color: var(--navy); }
.lang-card .lang-sub { display:block; font-size: .84rem; color: var(--muted); font-weight:500; margin-top:.3rem; }
.gate-foot { margin-top: 1.8rem; font-size: .82rem; color: var(--muted); }

@keyframes rise { from { opacity:0; transform: translateY(14px);} to {opacity:1; transform:none;} }

/* ===========================================================
   Header
   =========================================================== */
.topbar {
  background: var(--bg-soft); color: var(--slate); font-size: .82rem; border-bottom: 1px solid var(--line);
}
.topbar .wrap { display:flex; align-items:center; justify-content: space-between; gap: 1rem; padding-block: 7px; }
.topbar a { color: var(--slate); }
.topbar-left { display:flex; gap: 1.3rem; flex-wrap: wrap; }
.topbar-left span { display:inline-flex; align-items:center; gap:.4rem; color: var(--slate); }
.topbar .stars { color: var(--gold-600); letter-spacing: 1px; }

.site-header {
  position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px); border-bottom: 1px solid var(--line);
}
.site-header .wrap { display:flex; align-items:center; justify-content: space-between; gap: 1rem; height: 74px; }

.brand { display:flex; align-items:center; gap:.7rem; }
.brand .mark { width: 44px; height: 44px; flex: none; }
.brand-text { font-family: var(--font-head); line-height: 1.05; }
.brand-text strong { display:block; font-size: 1.18rem; font-weight: 800; color: var(--navy); letter-spacing:-.02em; }
.brand-text small { display:block; font-size: .68rem; letter-spacing:.18em; text-transform: uppercase; color: var(--muted); font-weight:600; }

.nav { display:flex; align-items:center; gap: .2rem; }
.nav a {
  font-family: var(--font-head); font-weight: 600; font-size: .95rem; color: var(--ink);
  padding: .5rem .8rem; border-radius: 8px; transition: color .15s, background .15s;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--navy-600); background: var(--bg-soft); }

.header-actions { display:flex; align-items:center; gap:.7rem; }

.lang-toggle { display:flex; border:1.5px solid var(--line); border-radius:999px; overflow:hidden; }
.lang-toggle button {
  appearance:none; border:0; background:transparent; cursor:pointer;
  font-family: var(--font-head); font-weight:700; font-size:.8rem; color: var(--muted);
  padding: .35rem .7rem; transition: background .15s, color .15s;
}
.lang-toggle button[aria-pressed="true"] { background: var(--navy); color:#fff; }

.hamburger { display:none; width:44px; height:44px; border:1.5px solid var(--line); border-radius:10px; background:#fff; cursor:pointer; }
.hamburger span, .hamburger span::before, .hamburger span::after {
  content:""; display:block; width:20px; height:2px; background: var(--navy); margin: 0 auto; position: relative; transition: .2s;
}
.hamburger span::before { position:absolute; top:-6px; } .hamburger span::after { position:absolute; top:6px; }

/* ===========================================================
   Hero
   =========================================================== */
.hero { position: relative; background:
  linear-gradient(120deg, #ffffff 0%, #f5f9fd 52%, #eef4fb 100%);
  color: var(--ink); overflow: hidden; border-bottom: 1px solid var(--line); }
.hero::after {
  content:""; position:absolute; right:-8%; top:-30%; width: 60%; height: 160%;
  background: radial-gradient(closest-side, rgba(34,169,91,.12), transparent 70%);
  pointer-events:none;
}
.hero .wrap { position: relative; display:grid; grid-template-columns: 1.05fr .95fr; gap: 3rem; align-items:center; padding-block: clamp(52px, 8vw, 92px); }
.hero h1 { color: var(--navy); }
.hero .eyebrow { color: var(--gold-600); }
.hero p { color: var(--slate); font-size: 1.14rem; max-width: 46ch; }
.hero-cta { display:flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.6rem; }
.hero .btn-outline-light { color: var(--navy); border-color: var(--line); }
.hero .btn-outline-light:hover { border-color: var(--navy); background: rgba(12,35,64,.04); }
.hero-trust { display:flex; gap:1.6rem; flex-wrap:wrap; margin-top: 2.2rem; padding-top:1.6rem; border-top:1px solid var(--line); }
.hero-trust div { min-width: 90px; }
.hero-trust b { display:block; font-family:var(--font-head); font-size: 1.5rem; color: var(--navy); }
.hero-trust span { font-size:.82rem; color: var(--muted); }

/* Hero quote card */
.quote-card {
  background:#fff; color: var(--ink); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 1.6rem; border: 1px solid rgba(255,255,255,.5);
}
.quote-card h3 { color: var(--navy); margin-bottom:.2rem; }
.quote-card .muted { color: var(--muted); font-size:.9rem; margin-bottom:1rem; }

/* ---------- Forms ---------- */
.field { margin-bottom: .85rem; }
.field label { display:block; font-family:var(--font-head); font-weight:600; font-size:.85rem; color: var(--navy); margin-bottom:.3rem; }
.field input, .field select, .field textarea {
  width:100%; font-family: var(--font-body); font-size: .98rem; color: var(--ink);
  padding: .72rem .85rem; border: 1.5px solid var(--line); border-radius: 10px; background:#fff;
  transition: border-color .15s, box-shadow .15s;
}
.field textarea { resize: vertical; min-height: 96px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline:none; border-color: var(--navy-500); box-shadow: 0 0 0 3px rgba(43,100,168,.14);
}
.form-row { display:grid; grid-template-columns: 1fr 1fr; gap:.85rem; }
.form-note { font-size:.78rem; color: var(--muted); margin-top:.4rem; }
.form-success {
  display:none; text-align:center; padding: 1.4rem;
  background: #eafaf0; border:1px solid #b7e6c8; border-radius: 12px; color: #14663a;
}
.form-success.show { display:block; }
.form-success b { font-family:var(--font-head); font-size:1.1rem; display:block; color:#14663a; }

/* ===========================================================
   Trust strip
   =========================================================== */
.strip { background: var(--bg-soft); color: var(--ink); border-block: 1px solid var(--line); }
.strip .wrap { display:flex; flex-wrap:wrap; justify-content:space-around; gap:1.4rem; padding-block: 26px; text-align:center; }
.strip .item { display:flex; align-items:center; gap:.6rem; font-family:var(--font-head); font-weight:600; font-size:.95rem; color: var(--slate); }
.strip .item svg { color: var(--gold-600); }

/* ===========================================================
   Specialties / feature grid
   =========================================================== */
.grid { display:grid; gap: 1.2rem; }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background:#fff; border:1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .2s, border-color .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #d6e0ee; }
.card .ic {
  width:52px; height:52px; border-radius: 14px; display:grid; place-items:center;
  background: linear-gradient(135deg, var(--gold-100), #f2fbf5); color: var(--gold-600); margin-bottom:1rem;
}
.card .ic svg { width:26px; height:26px; }
.card h3 { margin-bottom:.4rem; }
.card p { font-size:.96rem; margin-bottom: .8rem; }
.card .more { font-family:var(--font-head); font-weight:700; font-size:.9rem; color: var(--navy-600); display:inline-flex; gap:.3rem; align-items:center; }
.card .more::after { content:"→"; transition: transform .15s; }
.card:hover .more::after { transform: translateX(3px); }
.card.link { display:block; color:inherit; }

/* Target card w/ image band */
.target-card { overflow:hidden; padding:0; display:flex; flex-direction:column; }
.target-card .band { height: 4px; background: var(--line); transition: background .2s; }
.target-card:hover .band { background: var(--gold); }
.target-card .body { padding: 1.6rem; }

/* ===========================================================
   States we cover
   =========================================================== */
.states { display:grid; grid-template-columns: repeat(6, 1fr); gap: .9rem; margin-top: 2rem; }
.state {
  background:#fff; border:1px solid var(--line); border-radius: 14px; padding: 1.2rem .6rem; text-align:center;
  box-shadow: var(--shadow-sm); transition: transform .16s, border-color .2s;
}
.state:hover { transform: translateY(-3px); border-color: var(--gold); }
.state .abbr { font-family:var(--font-head); font-weight:800; font-size:1.5rem; color: var(--navy); }
.state .name { font-size:.78rem; color: var(--muted); font-weight:600; text-transform:uppercase; letter-spacing:.05em; }

/* ===========================================================
   Why / split
   =========================================================== */
.split { display:grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items:center; }
.checklist { list-style:none; padding:0; margin: 1.4rem 0 0; display:grid; gap: .9rem; }
.checklist li { display:flex; gap:.8rem; align-items:flex-start; }
.checklist .tick { flex:none; width:26px; height:26px; border-radius:999px; background: var(--gold-100); color: var(--gold-600); display:grid; place-items:center; font-weight:800; }
.checklist b { font-family: var(--font-head); color: var(--navy); }
.checklist span { color: var(--slate); font-size:.95rem; }

.panel-navy { background: var(--bg-soft); color: var(--slate); border: 1px solid var(--line); border-radius: var(--radius); padding: 2.2rem; box-shadow: var(--shadow-sm); }
.panel-navy h3 { color: var(--navy); }
.panel-navy p { color: var(--slate); }
.panel-navy .btn-white { background: var(--navy); color:#fff; }
.panel-navy .btn-outline-light { color: var(--navy); border-color: var(--line); }
.panel-navy .btn-outline-light:hover { border-color: var(--navy); background: rgba(12,35,64,.04); }
.panel-navy .info-list a { color: var(--navy-600); }
.panel-navy .info-list span { color: var(--slate); }

/* ===========================================================
   Testimonials
   =========================================================== */
.quote-grid { display:grid; grid-template-columns: repeat(3,1fr); gap:1.2rem; }
.testi { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; box-shadow: var(--shadow-sm); }
.testi .stars { color: var(--gold); letter-spacing:2px; margin-bottom:.6rem; }
.testi p { color: var(--ink); font-size:1rem; }
.testi .who { display:flex; align-items:center; gap:.7rem; margin-top:1rem; }
.testi .avatar { width:40px; height:40px; border-radius:999px; background: var(--navy); color:#fff; display:grid; place-items:center; font-family:var(--font-head); font-weight:700; }
.testi .who b { font-family:var(--font-head); color: var(--navy); font-size:.95rem; display:block; }
.testi .who span { font-size:.8rem; color: var(--muted); }

/* ===========================================================
   Google reviews
   =========================================================== */
.google-reviews {
  max-width: 480px; margin: 0 auto; text-align: center;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 2.2rem 2rem;
}
.google-reviews .gr-logo { display:inline-flex; margin-bottom: .6rem; }
.google-reviews .gr-stars { color: var(--gold); font-size: 1.7rem; letter-spacing: 3px; line-height:1; }
.google-reviews .gr-score { font-family: var(--font-head); color: var(--slate); margin: .5rem 0 1.3rem; }
.google-reviews .gr-score b { color: var(--navy); font-size: 1.4rem; margin-right:.25rem; }

/* Review example cards */
.reviews-grid { display:grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.review { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; box-shadow: var(--shadow-sm); display:flex; flex-direction:column; transition: transform .18s ease, box-shadow .2s; }
.review:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.review-head { display:flex; align-items:center; justify-content:space-between; margin-bottom:.9rem; }
.review-head .g-badge { display:inline-flex; }
.review-stars { color: var(--gold); letter-spacing: 1.5px; font-size: 1rem; }
.review p { color: var(--ink); font-size:.98rem; margin: 0 0 1.1rem; }
.review-who { display:flex; align-items:center; gap:.7rem; margin-top:auto; }
.review-who .avatar { width:40px; height:40px; flex:none; border-radius:999px; background: var(--navy); color:#fff; display:grid; place-items:center; font-family:var(--font-head); font-weight:700; }
.review-who .review-meta b { display:block; font-family:var(--font-head); color:var(--navy); font-size:.95rem; }
.review-who .src { display:block; font-size:.8rem; color: var(--muted); }
.reviews-summary { display:flex; align-items:center; justify-content:center; gap:1rem 1.2rem; flex-wrap:wrap; margin-top:1.8rem; padding-top:1.6rem; border-top:1px solid var(--line); }
.reviews-summary .gr-logo { display:inline-flex; }
.reviews-summary-score { font-family: var(--font-head); color: var(--slate); }
.reviews-summary-score b { color: var(--navy); font-size:1.3rem; margin-right:.25rem; }

/* ===========================================================
   FAQ
   =========================================================== */
.faq { max-width: 800px; margin-inline:auto; }
.faq details { background:#fff; border:1px solid var(--line); border-radius: 12px; padding: 0 1.2rem; margin-bottom:.8rem; box-shadow: var(--shadow-sm); }
.faq summary { list-style:none; cursor:pointer; font-family:var(--font-head); font-weight:700; color: var(--navy); padding: 1.1rem 0; display:flex; justify-content:space-between; gap:1rem; align-items:center; }
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; font-size:1.4rem; color: var(--gold-600); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding-bottom: 1.1rem; margin:0; }

/* ===========================================================
   CTA band
   =========================================================== */
.cta-band { background: var(--bg-soft); border-block: 1px solid var(--line); }
.cta-band .wrap { display:flex; align-items:center; justify-content:space-between; gap:2rem; flex-wrap:wrap; padding-block: 46px; }
.cta-band h2 { color: var(--navy); margin:0; }
.cta-band p { color: var(--slate); margin:.4rem 0 0; font-weight:500; }
.cta-band .btn-white { background:#fff; color: var(--navy); border-color: var(--line); }
.cta-band .btn-white:hover { border-color: var(--navy); }

/* ===========================================================
   Contact / office
   =========================================================== */
.contact-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 2.4rem; }
.info-list { list-style:none; padding:0; margin: 1.4rem 0 0; display:grid; gap:1.1rem; }
.info-list li { display:flex; gap:.9rem; align-items:flex-start; }
.info-list .ic { flex:none; width:44px; height:44px; border-radius:12px; background: var(--gold-100); color: var(--gold-600); display:grid; place-items:center; }
.info-list b { display:block; font-family:var(--font-head); color:var(--navy); }
.info-list span, .info-list a { color: var(--slate); font-size:.95rem; }

/* ===========================================================
   Footer
   =========================================================== */
.site-footer { background: var(--bg-soft); color: var(--slate); padding: 56px 0 26px; border-top: 1px solid var(--line); }
.site-footer .cols { display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; }
.site-footer h4 { color: var(--navy); font-size: .82rem; letter-spacing:.14em; text-transform:uppercase; margin-bottom: 1rem; }
.site-footer a { color: var(--slate); display:block; padding: .28rem 0; font-size:.93rem; }
.site-footer a:hover { color: var(--gold-600); }
.site-footer .brand-text strong { color: var(--navy); } .site-footer .brand-text small { color: var(--muted); }
.site-footer .fbrand p { color: var(--muted); font-size:.9rem; margin-top:1rem; max-width: 34ch;}
.site-footer .bottom { border-top:1px solid var(--line); margin-top: 2.4rem; padding-top:1.4rem; display:flex; justify-content:space-between; flex-wrap:wrap; gap:.6rem; font-size:.82rem; color: var(--muted); }

/* ===========================================================
   Page hero (interior pages)
   =========================================================== */
.page-hero { background: linear-gradient(120deg, #ffffff, #f1f6fc); color: var(--ink); border-bottom: 1px solid var(--line); }
.page-hero .wrap { padding-block: clamp(48px, 7vw, 84px); }
.page-hero h1 { color: var(--navy); max-width: 20ch; }
.page-hero p { color: var(--slate); max-width: 56ch; font-size:1.1rem; }
.page-hero .btn-outline-light { color: var(--navy); border-color: var(--line); }
.page-hero .btn-outline-light:hover { border-color: var(--navy); background: rgba(12,35,64,.04); }
.crumbs { font-size:.85rem; color: var(--muted); margin-bottom:1rem; }
.crumbs a { color: var(--navy-600); } .crumbs a:hover { color: var(--gold-600); }

.coverage-list { list-style:none; padding:0; margin:1.4rem 0 0; display:grid; grid-template-columns:1fr 1fr; gap:.7rem; }
.coverage-list li { display:flex; gap:.6rem; align-items:flex-start; color: var(--slate); }
.coverage-list .tick { flex:none; color: var(--success); font-weight:800; }

/* Scroll reveal — progressive enhancement.
   Content is visible by default; the hidden/animated state applies ONLY when
   JS has added .reveal-ready to <html>, so a JS failure never hides content. */
html.reveal-ready [data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
html.reveal-ready [data-reveal].in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html.reveal-ready [data-reveal] { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}
.form-success .mail-fallback { color:#14663a; font-weight:700; text-decoration: underline; }

/* ===========================================================
   Responsive
   =========================================================== */
@media (max-width: 940px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 2.2rem; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .grid.cols-3, .quote-grid, .reviews-grid { grid-template-columns: 1fr 1fr; }
  .states { grid-template-columns: repeat(3, 1fr); }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
  .nav { display:none; }
  .hamburger { display:block; }
  /* Free up room so the language toggle + menu button always fit */
  .header-actions .btn-navy { display:none; }
  .site-header .wrap { height: 66px; }
  /* Mobile nav drawer */
  .nav.open {
    display:flex; position:absolute; top: 66px; left:0; right:0; flex-direction:column;
    background:#fff; border-bottom:1px solid var(--line); padding: .6rem 22px 1rem; gap:.1rem; box-shadow: var(--shadow-md);
  }
  .nav.open a { padding: .8rem .4rem; border-bottom:1px solid var(--bg-soft); }
}
@media (max-width: 560px) {
  .gate-choices { grid-template-columns: 1fr; }
  .gate h1 { font-size: 1.55rem; }
  .gate-inner { width: 100%; }
}
@media (max-width: 620px) {
  .form-row { grid-template-columns: 1fr; }
  .grid.cols-3, .grid.cols-2, .quote-grid, .reviews-grid { grid-template-columns: 1fr; }
  .states { grid-template-columns: repeat(2, 1fr); }
  .coverage-list { grid-template-columns:1fr; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .topbar-left span:not(:first-child) { display:none; }
  .cta-band .wrap { flex-direction:column; align-items:flex-start; }
}