:root {
    --radius-md: 10px;
    --radius-lg: 16px;
    --shadow-md: 0 10px 25px -5px rgba(var(--thm-anchor-sfc-rgb), 0.1), 0 8px 10px -6px rgba(var(--thm-anchor-sfc-rgb), 0.1);
    --parallax-overlay-start: 0.78;
    --parallax-overlay-end: 0.84;
}

html[data-theme="light"] {
    --parallax-overlay-start: 0.68;
    --parallax-overlay-end: 0.74;
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
}

html, body {
  overscroll-behavior: none;
}

body {
    background-color: var(--thm-base-sfc); /* Anti-glare soft slate base */
    color: var(--thm-base-txt);
    line-height: 1.6;
}

/* --- Clickable Announcement Banner --- */
.announcement-banner {
    background: linear-gradient(90deg, var(--thm-highlight-sfc) 0%, var(--thm-highlight-sfc-alt) 100%);
    color: var(--thm-highlight-sfc-c);
    text-align: center;
    width: 100%;
    border: 0;
    padding: 12px 20px;
    font-size: 0.95rem;
    font-weight: 600;
    cursor: pointer;
    border-bottom: 2px solid var(--thm-highlight-acc-hov);
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.announcement-banner:hover {
    background: linear-gradient(90deg, var(--thm-highlight-sfc-hov) 0%, var(--thm-highlight-sfc-panel) 100%);
    color: var(--thm-highlight-sfc-c);
}

html[data-theme="light"] .announcement-banner {
    background: linear-gradient(90deg, var(--thm-anchor-sfc-alt) 0%, var(--thm-anchor-sfc) 100%);
    color: var(--thm-anchor-txt);
    border-bottom-color: var(--thm-anchor-acc);
}

html[data-theme="light"] .announcement-banner:hover {
    background: linear-gradient(90deg, var(--thm-anchor-sfc) 0%, var(--thm-anchor-sfc-alt) 100%);
    color: var(--thm-anchor-txt);
}

.announcement-banner .pulse-tag {
    background-color: var(--thm-highlight-acc);
    color: var(--thm-highlight-acc-c);
    font-size: 0.75rem;
    padding: 2px 8px;
    border-radius: 12px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

html[data-theme="light"] .announcement-banner .pulse-tag {
    background-color: #b45309;
    color: #fff;
}

/* --- Utility Top Header --- */
.utility-bar {
    background-color: var(--thm-anchor-sfc-alt);
    color: var(--thm-anchor-txt-c-alt);
    font-size: 0.85rem;
    padding: 8px 5%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.1);
}

.utility-info span {
    margin-right: 20px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.utility-info a {
    color: var(--thm-anchor-txt);
    text-decoration: none;
    font-weight: 600;
}

.utility-info a:hover {
    color: var(--thm-anchor-acc-hov);
}

/* --- Main Navigation --- */
.navbar {
    background-color: var(--thm-anchor-sfc);
    padding: 14px 5%;
    position: sticky;
    top: 0;
    z-index: 1000;
    display: flex;
    justify-content: space-between;
    align-items: center;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.25);
}

.brand-logo {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
}

.brand-logo img {
    height: 48px;
    width: auto;
}

.brand-logo-chip {
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    padding: 4px 6px;
}

.logo-text {
    color: var(--thm-anchor-txt);
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: -0.5px;
}

.logo-text span {
    color: var(--thm-anchor-acc-hov);
}

.nav-links {
    display: flex;
    gap: 28px;
    list-style: none;
    align-items: center;
}

.nav-links a {
    color: var(--thm-anchor-txt);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.95rem;
    transition: color 0.2s;
}

.nav-links a:hover {
    color: var(--thm-anchor-acc-hov);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    border-radius: var(--radius-md);
    font-weight: 700;
    text-decoration: none;
    transition: all 0.25s ease;
    cursor: pointer;
    border: none;
    font-size: 0.95rem;
}

.btn-accent {
    background-color: var(--thm-base-acc);
    color: var(--thm-base-acc-c);
    box-shadow: 0 4px 14px rgba(var(--thm-base-acc-rgb), 0.35);
}

.btn-accent:hover {
    background-color: var(--thm-base-acc-hov);
    color: var(--thm-base-acc-c);
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(var(--thm-base-acc-hov-rgb), 0.45);
}

.nav-cta-group .btn-accent,
.section-brand-contrast .btn-accent {
    background-color: #b45309;
    color: #fff;
    box-shadow: 0 4px 14px rgba(var(--thm-anchor-acc-rgb), 0.35);
}

.nav-cta-group .btn-accent:hover,
.section-brand-contrast .btn-accent:hover {
    background-color: #92400e;
    color: #fff;
    box-shadow: 0 6px 18px rgba(var(--thm-anchor-acc-hov-rgb), 0.45);
}

.hero-cta-group .btn-accent,
.section-parallax-quote .btn-accent {
    background-color: var(--thm-media-acc);
    color: var(--thm-media-acc-c);
    box-shadow: 0 4px 14px rgba(var(--thm-media-acc-rgb), 0.35);
}

.hero-cta-group .btn-accent:hover,
.section-parallax-quote .btn-accent:hover {
    background-color: var(--thm-media-acc-hov);
    color: var(--thm-media-acc-c);
    box-shadow: 0 6px 18px rgba(var(--thm-media-acc-hov-rgb), 0.45);
}

html[data-theme="dark"] .btn-accent,
html[data-theme="dark"] .mobile-cta-bar a.quote,
html[data-theme="dark"] .chip.active {
    background-color: var(--thm-media-acc);
    color: var(--thm-media-acc-c);
    box-shadow: 0 4px 14px rgba(var(--thm-media-acc-rgb), 0.35);
}

html[data-theme="dark"] .btn-accent:hover,
html[data-theme="dark"] .btn-icon-circle:hover,
html[data-theme="dark"] .mobile-cta-bar a.quote:hover,
html[data-theme="dark"] .chip:hover {
    background-color: var(--thm-media-acc-hov);
    color: var(--thm-media-acc-c);
    box-shadow: 0 6px 18px rgba(var(--thm-media-acc-hov-rgb), 0.45);
}

html[data-theme="dark"] .btn-icon-circle:hover,
html[data-theme="dark"] .chip.active {
    border-color: var(--thm-media-acc);
}

html[data-theme="dark"] .chip:hover {
    border-color: var(--thm-media-acc-hov);
}

.btn-outline-on-brand {
    background: rgba(var(--thm-anchor-sfc-c-rgb), 0.08);
    color: var(--thm-anchor-txt);
    border: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.25);
    backdrop-filter: blur(4px);
}

.btn-outline-on-brand:hover {
    background: rgba(var(--thm-anchor-sfc-c-rgb), 0.18);
    border-color: var(--thm-anchor-txt);
    transform: translateY(-2px);
}

.btn-icon {
    margin-right: 8px;
}

/* --- Quick-Contact Pill (Call / Text) --- */
.contact-pill {
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    background: rgba(var(--thm-anchor-sfc-c-rgb), 0.08);
    border: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.25);
    backdrop-filter: blur(4px);
    overflow: hidden;
}

.contact-pill a {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 22px;
    color: var(--thm-anchor-txt);
    text-decoration: none;
    font-weight: 700;
    font-size: 0.95rem;
    transition: background 0.2s ease, color 0.2s ease;
}

.contact-pill a:hover {
    background: rgba(var(--thm-anchor-acc-hov-rgb), 0.18);
    color: var(--thm-anchor-acc-hov);
}

.contact-pill .pill-divider {
    width: 1px;
    align-self: stretch;
    background: rgba(var(--thm-anchor-sfc-c-rgb), 0.25);
}

.hero-section .contact-pill,
.section-parallax-quote .contact-pill {
    background: rgba(var(--thm-media-sfc-c-rgb), 0.06);
    border-color: rgba(var(--thm-media-sfc-c-rgb), 0.28);
}

.hero-section .contact-pill a,
.section-parallax-quote .contact-pill a {
    color: var(--thm-media-sfc-c);
}

.hero-section .contact-pill a:hover,
.section-parallax-quote .contact-pill a:hover {
    background: rgba(var(--thm-media-acc-rgb), 0.12);
    color: var(--thm-media-acc);
}

.hero-section .contact-pill .pill-divider,
.section-parallax-quote .contact-pill .pill-divider {
    background: rgba(var(--thm-media-sfc-c-rgb), 0.28);
}

/* --- Nav Quick-Contact Icon Buttons --- */
.nav-cta-group {
    display: flex;
    align-items: center;
    gap: 12px;
}

.btn-icon-circle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(var(--thm-anchor-sfc-c-rgb), 0.08);
    border: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.2);
    color: var(--thm-anchor-txt);
    text-decoration: none;
    font-size: 1.05rem;
    transition: all 0.2s ease;
}

.btn-icon-circle:hover {
    background: var(--thm-anchor-acc);
    border-color: var(--thm-anchor-acc);
    color: var(--thm-anchor-acc-c);
    transform: translateY(-2px);
}

.theme-toggle {
    cursor: pointer;
    flex: 0 0 40px;
    font-family: inherit;
    padding: 0;
}

.theme-toggle:focus-visible {
    outline: 2px solid var(--thm-anchor-txt-c-alt);
    outline-offset: 3px;
}

/* --- Mobile Sticky Call/Text/Quote Bar --- */
.mobile-cta-bar {
    display: none;
}

/* --- Parallax Hero Section --- */
.hero-section {
    position: relative;
    min-height: 540px;
    background-image: linear-gradient(rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-start)), rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-end))), url('../images/bgparallax0.jpg');
    background-attachment: fixed;
    background-position: center;
    background-repeat: no-repeat;
    background-size: cover;
    color: var(--thm-media-sfc-c);
    display: flex;
    align-items: center;
    padding: 80px 5%;
}

.hero-content {
    max-width: 800px;
}

.hero-tag {
    display: inline-block;
    background: rgba(var(--thm-media-acc-hov-rgb), 0.18);
    color: var(--thm-media-acc-hov);
    border: 1px solid rgba(var(--thm-media-acc-hov-rgb), 0.4);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 0.8px;
}

html[data-theme="light"] .hero-tag {
    background: rgba(var(--thm-anchor-sfc-alt-rgb), 0.12);
    color: var(--thm-anchor-sfc);
    border-color: rgba(var(--thm-anchor-sfc-alt-rgb), 0.3);
}

.hero-title {
    font-size: 3.1rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
    color: var(--thm-media-hdg);
}

.hero-title span {
    color: var(--thm-media-acc-hov);
}

.hero-subtitle {
    font-size: 1.15rem;
    color: var(--thm-media-txt);
    margin-bottom: 30px;
    line-height: 1.6;
}

.hero-cta-group {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 36px;
}

/* Trust Stats Bar in Hero */
.trust-stats-bar {
    display: flex;
    gap: 28px;
    align-items: center;
    border-top: 1px solid rgba(var(--thm-media-sfc-c-rgb), 0.15);
    padding-top: 24px;
    flex-wrap: wrap;
}

.trust-stat-item {
    display: flex;
    align-items: center;
    gap: 10px;
}

.trust-stat-icon {
    color: var(--thm-media-acc-hov);
    font-size: 1.2rem;
}

.trust-stat-text {
    font-size: 0.9rem;
    color: var(--thm-media-txt);
    font-weight: 600;
}

.trust-stat-text strong {
    color: var(--thm-media-hdg);
    font-weight: 800;
}

/* --- Text-Only Carrier Marquee --- */
.carrier-bar {
    background-color: var(--thm-anchor-sfc);
    padding: 24px 0;
    border-bottom: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.1);
}

.carrier-title {
    text-align: center;
    color: var(--thm-anchor-txt);
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin: 0 0 18px;
}

.carrier-marquee {
    overflow: hidden;
    width: 100%;
    mask-image: linear-gradient(to right, transparent 0%, transparent 15%, #000 30%, #000 70%, transparent 85%, transparent 100%);
}

.carrier-track {
    display: flex;
    width: max-content;
    will-change: transform;
    animation: carrier-scroll 144s linear infinite;
}

.carrier-marquee:hover .carrier-track {
    animation-play-state: paused;
}

.carrier-list {
    display: flex;
    flex: 0 0 auto;
    align-items: center;
    gap: 24px;
    margin: 0;
    padding: 0 24px 0 0;
    list-style: none;
}

.carrier-list li {
    color: var(--thm-anchor-txt);
    font-weight: 700;
    font-size: 0.95rem;
    white-space: nowrap;
}

.carrier-list li + li,
.carrier-list li:first-child {
    border-left: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.28);
    padding-left: 24px;
}

@keyframes carrier-scroll {
    to {
        transform: translate3d(-50%, 0, 0);
    }
}

@media (prefers-reduced-motion: reduce) {
    .carrier-marquee {
        overflow-x: auto;
        mask-image: none;
    }

    .carrier-track {
        animation: none;
    }

    .carrier-list[aria-hidden="true"] {
        display: none;
    }

    .coverage-links a::before,
    .coverage-links a span {
        transition: none;
    }
}

/* --- Sections Layout --- */
.section-soft-slate {
    background-color: var(--thm-base-sfc);
    padding: 80px 5%;
}

.coverage-switchboard {
    padding: 64px 5%;
}

.coverage-intro,
.coverage-groups {
    max-width: 1200px;
    margin: 0 auto;
}

.coverage-intro {
    display: flex;
    align-items: end;
    justify-content: space-between;
    gap: 40px;
    margin-bottom: 34px;
}

.coverage-eyebrow {
    color: var(--thm-base-acc);
    font-size: 0.78rem;
    font-weight: 800;
    text-transform: uppercase;
}

.coverage-intro h2 {
    margin: 8px 0 0;
    color: var(--thm-base-hdg);
    font-size: 2rem;
    font-weight: 800;
}

.coverage-intro p {
    max-width: 390px;
    margin: 0 0 3px;
    color: var(--thm-base-txt);
    line-height: 1.6;
}

.coverage-groups {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: clamp(32px, 6vw, 84px);
}

.coverage-group {
    min-width: 0;
    padding-top: 16px;
    border-top: 2px solid var(--thm-anchor-acc);
}

.coverage-group-heading {
    display: flex;
    align-items: baseline;
    gap: 12px;
}

.coverage-group-heading h3 {
    margin: 0;
    color: var(--thm-base-acc);
    font-size: 1.2rem;
}

.coverage-links {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    column-gap: 24px;
    margin: 14px 0 0;
    padding: 0;
    list-style: none;
}

.coverage-links li {
    min-width: 0;
    border-bottom: 1px solid rgba(var(--thm-base-bdr-rgb), 0.12);
}

.coverage-links a {
    position: relative;
    z-index: 0;
    isolation: isolate;
    display: flex;
    min-height: 46px;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    padding: 8px 12px;
    color: var(--thm-base-hdg);
    font-size: 0.92rem;
    font-weight: 600;
    text-decoration: none;
}

.coverage-links a::before {
    position: absolute;
    z-index: -1;
    inset: 3px 0;
    border-radius: 999px;
    background: rgba(var(--thm-base-acc-rgb), 0.12);
    content: "";
    opacity: 0;
    transition: opacity 0.2s ease;
}

.coverage-links a:hover::before,
.coverage-links a:focus-visible::before {
    opacity: 1;
}

.coverage-links a span {
    flex: 0 0 auto;
    color: var(--thm-base-acc);
    transition: transform 0.2s;
}

.coverage-links a:hover span {
    transform: translateX(3px);
}

.coverage-links a:focus-visible {
    outline: 2px solid var(--thm-base-acc);
    outline-offset: 2px;
}

@media (max-width: 768px) {
    .coverage-switchboard {
        padding: 48px 5%;
    }

    .coverage-intro {
        display: grid;
        gap: 12px;
        margin-bottom: 26px;
    }

    .coverage-groups {
        grid-template-columns: 1fr;
        gap: 30px;
    }
}

@media (max-width: 540px) {
    .coverage-links {
        grid-template-columns: 1fr;
    }
}

.section-brand-contrast {
    background-color: var(--thm-anchor-sfc);
    color: var(--thm-anchor-txt);
    padding: 80px 5%;
}

.independent-comparison {
    background-image: linear-gradient(rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-start)), rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-end))), url('../images/bgparallax1.jpg');
    background-attachment: fixed;
    background-position: center;
    background-repeat: no-repeat;
    background-size: cover;
}

.comparison-cards-container {
    max-width: 1200px;
    margin: 0 auto;
    container-type: inline-size;
}

.comparison-cards {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    align-items: stretch;
    gap: 18px;
}

.comparison-card {
    min-width: 0;
    border: 1px solid rgba(var(--thm-media-sfc-c-rgb), 0.16);
    border-radius: 8px;
    background: rgba(var(--thm-media-crd-rgb), 0.58);
    box-shadow: 0 16px 36px rgba(0, 0, 0, 0.22), inset 0 1px rgba(var(--thm-media-crd-c-rgb), 0.07);
    -webkit-backdrop-filter: blur(18px);
    backdrop-filter: blur(18px);
}

.comparison-card-featured {
    border-color: rgba(var(--palette-rgb-review-outline), 0.38);
    background: rgba(var(--palette-rgb-review-panel), 0.56);
}

.comparison-card-heading {
    margin: 0;
    padding: 17px 18px;
    border-bottom: 1px solid rgba(var(--thm-media-sfc-c-rgb), 0.12);
    background: rgba(var(--thm-media-crd-c-rgb), 0.055);
    color: var(--thm-media-crd-c);
    font-size: 1rem;
    font-weight: 700;
}

.comparison-card-featured .comparison-card-heading {
    background: rgba(var(--palette-rgb-review-accent), 0.2);
    color: var(--palette-review-accent-text);
}

.comparison-card-featured .comparison-trigger {
    color: var(--palette-review-accent-text);
}

.comparison-card-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.comparison-item {
    border-bottom: 1px solid rgba(var(--thm-media-sfc-c-rgb), 0.1);
}

.comparison-item:last-child {
    border-bottom: 0;
}

@container (max-width: 875px) {
    .comparison-cards {
        grid-template-columns: minmax(0, 1fr);
        gap: 14px;
    }
}

.comparison-trigger {
    display: grid;
    grid-template-columns: 24px minmax(0, 1fr);
    align-items: start;
    gap: 10px;
    width: 100%;
    min-height: 68px;
    padding: 18px 16px;
    border: 0;
    background: transparent;
    color: var(--thm-media-crd-c);
    cursor: pointer;
    font: inherit;
    text-align: left;
}

.comparison-trigger:hover,
.comparison-trigger[aria-expanded="true"] {
    background: rgba(var(--thm-media-crd-c-rgb), 0.045);
}

.comparison-card-featured .comparison-trigger:hover,
.comparison-card-featured .comparison-trigger[aria-expanded="true"] {
    background: rgba(var(--palette-rgb-review-accent), 0.18);
}

.comparison-trigger:focus-visible {
    outline: 2px solid var(--thm-media-acc-hov);
    outline-offset: -3px;
    border-radius: 4px;
}

.comparison-tooltip[hidden] {
    display: none;
}

.comparison-tooltip:not([hidden]) {
    position: fixed;
    z-index: 1300;
    display: block;
    width: min(22rem, calc(100vw - 24px));
    max-height: min(18rem, calc(100vh - 96px));
    padding: 14px 16px;
    border: 1px solid rgba(var(--thm-media-sfc-c-rgb), 0.28);
    border-radius: 8px;
    background: rgba(var(--thm-media-sfc-rgb), 0.96);
    box-shadow: 0 16px 38px rgba(0, 0, 0, 0.36), inset 0 1px rgba(var(--thm-media-sfc-c-rgb), 0.08);
    -webkit-backdrop-filter: blur(18px);
    backdrop-filter: blur(18px);
    color: var(--thm-media-sfc-c);
    font-size: 0.88rem;
    line-height: 1.55;
    pointer-events: auto;
}

.comparison-tooltip::before {
    position: absolute;
    left: var(--comparison-arrow-left, 50%);
    width: 10px;
    height: 10px;
    border: solid rgba(var(--thm-media-sfc-c-rgb), 0.28);
    background: rgba(var(--thm-media-sfc-rgb), 0.96);
    content: "";
    transform: translateX(-50%) rotate(45deg);
}

.comparison-tooltip[data-side="top"]::before {
    bottom: -6px;
    border-width: 0 1px 1px 0;
}

.comparison-tooltip[data-side="bottom"]::before {
    top: -6px;
    border-width: 1px 0 0 1px;
}

.comparison-status {
    display: grid;
    width: 24px;
    height: 24px;
    place-items: center;
    border: 1px solid currentColor;
    border-radius: 50%;
    font-size: 0.9rem;
    font-weight: 800;
    line-height: 1;
}

.comparison-status-yes {
    border-color: rgba(var(--palette-rgb-status-positive), 0.7);
    background: rgba(var(--palette-rgb-status-positive), 0.24);
    color: var(--thm-media-sfc-c);
}

.comparison-status-no {
    border-color: rgba(var(--palette-rgb-status-negative), 0.7);
    background: rgba(var(--palette-rgb-status-negative), 0.24);
    color: var(--thm-media-sfc-c);
}

.comparison-status-varies {
    border-color: rgba(var(--palette-rgb-status-varies), 0.7);
    background: rgba(var(--palette-rgb-status-varies), 0.24);
    color: var(--thm-media-sfc-c);
}

.comparison-card-featured .comparison-status-yes {
    color: var(--text-status-positive);
}

.comparison-card-featured .comparison-status-no {
    color: var(--text-status-negative);
}

.comparison-card-featured .comparison-status-varies {
    color: var(--text-status-varies);
}

.comparison-value {
    font-size: 0.88rem;
    font-weight: 700;
    line-height: 1.4;
}

.comparison-disclaimer {
    max-width: 1200px;
    margin: 18px auto 0;
    color: var(--thm-media-sfc-c);
    font-size: 0.85rem;
    text-align: center;
}

.section-parallax-quote {
    position: relative;
    background-image: linear-gradient(rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-start)), rgba(var(--thm-media-sfc-rgb), var(--parallax-overlay-end))), url('../images/bgparallax2.jpg');
    background-attachment: fixed;
    background-position: center;
    background-size: cover;
    color: var(--thm-media-sfc-c);
    padding: 90px 5%;
    text-align: center;
}

.advantage-content {
    max-width: 850px;
    margin: 0 auto;
}

.advantage-eyebrow {
    color: var(--thm-media-acc-hov);
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-size: 0.9rem;
}

.advantage-heading {
    font-size: 2.5rem;
    font-weight: 800;
    margin: 16px 0 24px 0;
    color: var(--thm-media-hdg);
}

.advantage-text {
    font-size: 1.15rem;
    color: var(--thm-media-txt);
    margin-bottom: 32px;
    line-height: 1.7;
}

html[data-theme="light"] #multi-policy {
    background: var(--thm-base-crd);
    color: var(--thm-base-txt);
}

html[data-theme="light"] #multi-policy .advantage-eyebrow {
    color: var(--thm-base-acc);
}

html[data-theme="light"] #multi-policy .advantage-heading {
    color: var(--thm-base-hdg);
}

html[data-theme="light"] #multi-policy .advantage-text {
    color: var(--thm-base-txt);
}

/* --- Small layout utilities (used sparingly for genuine one-off spacing) --- */
.text-center {
    text-align: center;
}

.mt-sm {
    margin-top: 10px;
}

.text-sm {
    font-size: 0.85rem;
}

.text-xs {
    font-size: 0.8rem;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 50px auto;
}

.section-header h2 {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--thm-base-hdg);
    margin-bottom: 12px;
}

.section-brand-contrast .section-header h2 {
    color: var(--thm-anchor-txt);
}

.section-header p {
    color: var(--thm-base-txt);
    font-size: 1.05rem;
}

.section-brand-contrast .section-header p {
    color: var(--thm-anchor-txt);
}

.section-brand-contrast.independent-comparison .section-header h2 {
    color: var(--thm-media-hdg);
}

.section-brand-contrast.independent-comparison .section-header p {
    color: var(--thm-media-txt);
}

/* --- Cards Grid --- */
.grid-3 {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr));
    gap: 28px;
    max-width: 1200px;
    margin: 0 auto;
}

.grid-2 {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 28px;
    max-width: 900px;
    margin: 0 auto;
}

.mb-40 {
    margin-bottom: 40px;
}

.card-soft {
    background-color: var(--thm-base-crd);
    border: 1px solid var(--thm-base-bdr);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-md);
    transition: transform 0.25s, box-shadow 0.25s;
    display: flex;
    flex-direction: column;
    color: var(--thm-base-crd-c);
}

.card-soft:hover {
    transform: translateY(-4px);
    box-shadow: 0 14px 28px -4px rgba(var(--thm-base-txt-rgb), 0.12);
}

.card-icon {
    width: 48px;
    height: 48px;
    background: rgba(var(--thm-base-acc-rgb), 0.12);
    color: var(--thm-base-acc);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 20px;
}

.card-soft h3 {
    font-size: 1.3rem;
    color: var(--thm-base-crd-c);
    margin-bottom: 12px;
    font-weight: 700;
}

.card-soft p {
    color: var(--thm-base-crd-c);
    font-size: 0.95rem;
    margin-bottom: 20px;
    flex-grow: 1;
}

/* In-Line Highlight Story inside Product Cards */
.card-story-box {
    background-color: var(--thm-base-sfc);
    border-left: 3px solid var(--thm-base-acc);
    padding: 12px;
    border-radius: 6px;
    margin-bottom: 20px;
    font-size: 0.85rem;
    color: var(--thm-base-txt);
    font-style: italic;
}

.card-story-box strong {
    font-style: normal;
    color: var(--thm-base-txt);
    display: block;
    margin-bottom: 4px;
}

.card-link {
    color: var(--thm-base-crd-c);
    text-decoration: none;
    font-weight: 700;
    font-size: 0.9rem;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.card-link:hover {
    color: var(--thm-base-crd-c);
}

/* --- Featured Google Review Cards --- */
.testimonial-card {
    background-color: var(--thm-anchor-crd);
    border: 1px solid var(--thm-anchor-bdr);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    color: var(--thm-anchor-crd-c);
}

.reviewer-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
}

.reviewer-avatar {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--thm-anchor-acc);
    background-color: var(--thm-anchor-bdr);
}

.reviewer-info h4 {
    color: var(--thm-anchor-crd-c);
    font-size: 1rem;
    font-weight: 700;
}

.reviewer-info span {
    color: var(--thm-anchor-crd-c);
    font-size: 0.8rem;
}

.stars-row {
    color: var(--thm-anchor-acc);
    font-size: 1rem;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 6px;
}

.verified-badge {
    background: rgba(34, 197, 94, 0.15);
    color: var(--palette-status-positive-on-dark);
    font-size: 0.72rem;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 10px;
}

.testimonial-quote {
    color: var(--thm-anchor-crd-c);
    font-size: 0.92rem;
    line-height: 1.6;
    margin-bottom: 18px;
}

/* Pete's Response Collapsible inside Card */
.owner-response-toggle {
    background: rgba(var(--thm-anchor-crd-c-rgb), 0.05);
    border: 1px solid rgba(var(--thm-anchor-crd-c-rgb), 0.1);
    border-radius: 6px;
    padding: 8px 12px;
    font-size: 0.82rem;
    color: var(--thm-highlight-sfc-c);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: auto;
}

.owner-response-content {
    display: none;
    background: var(--thm-anchor-sfc);
    border-left: 2px solid var(--thm-anchor-acc-hov);
    padding: 10px 14px;
    margin-top: 10px;
    border-radius: 4px;
    font-size: 0.82rem;
    color: var(--thm-anchor-txt);
}

.owner-response-content.active {
    display: block;
}

html[data-theme="light"] #reviews {
    background: var(--thm-base-sfc);
    color: var(--thm-base-txt);
}

html[data-theme="light"] #reviews .section-header h2 {
    color: var(--thm-base-hdg);
}

html[data-theme="light"] #reviews .section-header p {
    color: var(--thm-base-txt);
}

html[data-theme="light"] #reviews .testimonial-card {
    background: var(--thm-base-crd);
    border-color: var(--thm-base-bdr);
    box-shadow: 0 8px 20px rgba(var(--thm-base-txt-rgb), 0.08);
    color: var(--thm-base-crd-c);
}

html[data-theme="light"] #reviews .reviewer-avatar {
    border-color: var(--thm-base-acc);
    background-color: var(--thm-base-bdr);
}

html[data-theme="light"] #reviews .reviewer-info h4,
html[data-theme="light"] #reviews .reviewer-info span,
html[data-theme="light"] #reviews .testimonial-quote {
    color: var(--thm-base-crd-c);
}

html[data-theme="light"] #reviews .stars-row {
    color: var(--thm-base-acc);
}

html[data-theme="light"] #reviews .verified-badge {
    background: rgba(var(--palette-rgb-status-positive), 0.14);
    color: var(--palette-status-positive);
}

html[data-theme="light"] #reviews .owner-response-toggle {
    background: rgba(var(--thm-base-txt-rgb), 0.04);
    border-color: rgba(var(--thm-base-txt-rgb), 0.14);
    color: var(--thm-base-acc);
}

html[data-theme="light"] #reviews .owner-response-content {
    background: var(--thm-base-sfc);
    border-left-color: var(--thm-base-acc);
    color: var(--thm-base-txt);
}

html[data-theme="light"] #reviews .owner-response-content strong {
    color: var(--thm-base-hdg);
}

/* --- FAQ Accordion --- */
.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background-color: var(--thm-base-crd);
    border: 1px solid var(--thm-base-bdr);
    border-radius: var(--radius-md);
    margin-bottom: 16px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
    color: var(--thm-base-crd-c);
}

.faq-question {
    padding: 20px 24px;
    width: 100%;
    border: 0;
    text-align: left;
    font-size: 1rem;
    line-height: inherit;
    font-weight: 700;
    color: var(--thm-base-crd-c);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background-color: var(--thm-base-crd);
    user-select: none;
}

.faq-question:hover {
    background-color: var(--thm-base-crd);
}

.faq-answer {
    padding: 0 24px 20px 24px;
    color: var(--thm-base-crd-c);
    font-size: 0.95rem;
    display: none;
    border-top: 1px solid var(--thm-base-sfc);
}

.faq-item.active .faq-answer {
    display: block;
    padding-top: 16px;
}

.faq-item.active .faq-toggle {
    transform: rotate(180deg);
}

.faq-toggle {
    transition: transform 0.2s ease;
    font-weight: 800;
    color: var(--thm-base-acc);
}

/* --- Modal Popup for Pete's Transition Message --- */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(var(--thm-anchor-sfc-rgb), 0.85);
    backdrop-filter: blur(6px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.modal-overlay.active {
    display: flex;
}

.modal-card {
    background-color: var(--thm-base-crd);
    border-radius: var(--radius-lg);
    max-width: 680px;
    width: 100%;
    padding: 40px;
    position: relative;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.35);
    max-height: 90vh;
    overflow-y: auto;
    color: var(--thm-base-crd-c);
}

.modal-close {
    position: absolute;
    top: 20px;
    right: 20px;
    background: var(--thm-base-sfc);
    border: none;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    font-size: 1.2rem;
    font-weight: 700;
    line-height: 1;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--thm-base-txt);
}

.modal-close:hover {
    background: rgba(var(--thm-base-crd-c-rgb), 0.12);
    color: var(--thm-base-crd-c);
}

html[data-theme="dark"] .modal-close:hover {
    background: var(--thm-base-bdr);
    color: var(--thm-base-txt);
}

.modal-close--static {
    position: static;
}

.modal-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
    border-bottom: 2px solid var(--thm-base-sfc);
    padding-bottom: 16px;
}

.modal-header img {
    height: 52px;
    width: auto;
    border-radius: 6px;
}

.modal-header-text h3 {
    font-size: 1.35rem;
    color: var(--thm-base-crd-c);
    font-weight: 800;
}

.modal-header-text p {
    color: var(--thm-base-crd-c);
    font-size: 0.85rem;
}

.modal-body {
    color: var(--thm-base-crd-c);
    font-size: 0.98rem;
    line-height: 1.7;
}

.modal-body p {
    margin-bottom: 16px;
}

.modal-highlight-box {
    background-color: var(--thm-base-sfc);
    border-left: 4px solid var(--thm-base-acc);
    padding: 16px;
    border-radius: 6px;
    margin: 20px 0;
    font-weight: 600;
    color: var(--thm-base-sfc-c);
}

.modal-list {
    margin: 0 0 20px 20px;
    line-height: 1.8;
}

.modal-signature {
    margin-top: 24px;
    font-weight: 700;
}

.modal-signature-name {
    color: var(--thm-base-acc);
    font-size: 1.1rem;
}

.modal-signature-company {
    font-size: 0.85rem;
    color: var(--thm-base-crd-c);
    font-weight: 400;
}

/* --- Request a Quote Lead Form --- */
.quote-form {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--thm-base-crd-c);
}

.required-mark {
    color: #dc2626;
}

.form-group input,
.form-group select,
.form-group textarea {
    font-family: inherit;
    font-size: 0.95rem;
    color: var(--thm-base-sfc-c);
    background-color: var(--thm-base-sfc);
    border: 1px solid var(--thm-base-bdr);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--thm-base-acc);
    box-shadow: 0 0 0 3px rgba(var(--thm-base-acc-rgb), 0.15);
}

.form-group textarea {
    resize: vertical;
}

.form-group input.field-invalid,
.form-group select.field-invalid {
    border-color: #dc2626;
    box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.12);
}

.form-error {
    color: #dc2626;
    font-size: 0.78rem;
    font-weight: 600;
    min-height: 1em;
    display: none;
}

.form-error.active {
    display: block;
}

.form-contact-hint {
    font-size: 0.8rem;
    color: var(--thm-base-crd-c);
    margin: -8px 0 0 0;
}

.form-contact-hint.active {
    color: #dc2626;
    font-weight: 600;
}

.quote-submit-btn {
    width: 100%;
    text-align: center;
    border: none;
    cursor: pointer;
    margin-top: 6px;
}

.quote-submit-btn:disabled {
    opacity: 0.5;
    cursor: not-allowed;
}

.quote-form-disclaimer {
    font-size: 0.78rem;
    color: var(--thm-base-crd-c);
    text-align: center;
    margin-top: -4px;
}

.quote-form-status {
    display: none;
    color: #15803d;
    font-size: 0.9rem;
    font-weight: 700;
    text-align: center;
    margin-top: -8px;
}

.quote-form-status.active {
    display: block;
}

.quote-success-banner {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 3000;
    background: var(--thm-base-acc);
    color: var(--thm-base-acc-c);
    text-align: center;
    padding: 14px;
    font-weight: 700;
}

@media (max-width: 560px) {
    .form-row {
        grid-template-columns: 1fr;
    }
}

/* --- Filterable Google Reviews Drawer Modal --- */
.reviews-drawer-card {
    background-color: var(--thm-anchor-sfc);
    color: var(--thm-anchor-txt);
    border-radius: var(--radius-lg);
    max-width: 900px;
    width: 100%;
    padding: 36px;
    position: relative;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
    max-height: 88vh;
    display: flex;
    flex-direction: column;
}

.reviews-drawer-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--thm-anchor-bdr);
}

.reviews-drawer-title {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--thm-anchor-txt);
}

.reviews-drawer-subtitle {
    color: var(--thm-anchor-txt);
    font-size: 0.85rem;
}

.filter-chips {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 24px;
}

.chip {
    background: var(--thm-anchor-crd);
    color: var(--thm-anchor-crd-c);
    border: 1px solid var(--thm-anchor-bdr);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.chip.active, .chip:hover {
    background: var(--thm-base-acc);
    color: var(--thm-base-acc-c);
    border-color: var(--thm-anchor-crd-c);
}

.drawer-reviews-list {
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    gap: 20px;
    padding-right: 8px;
}

.drawer-review-item {
    background: var(--thm-anchor-crd);
    border: 1px solid var(--thm-anchor-bdr);
    border-radius: var(--radius-md);
    padding: 20px;
    color: var(--thm-anchor-crd-c);
}

.drawer-review-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
}

.drawer-review-identity {
    display: flex;
    align-items: center;
    gap: 10px;
}

.drawer-review-avatar {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    border: 1px solid var(--thm-base-acc);
}

.drawer-review-name {
    color: var(--thm-anchor-crd-c);
    font-size: 0.95rem;
}

.drawer-review-date {
    color: var(--thm-anchor-crd-c);
    font-size: 0.78rem;
}

.drawer-review-stars {
    color: var(--thm-anchor-acc);
    font-size: 0.9rem;
}

.drawer-review-quote {
    color: var(--thm-anchor-crd-c);
    font-size: 0.88rem;
    line-height: 1.5;
}

.drawer-review-response {
    margin-top: 12px;
    padding-top: 10px;
    border-top: 1px solid var(--thm-anchor-bdr);
    font-size: 0.82rem;
    color: var(--thm-anchor-crd-c);
}

.drawer-review-response strong {
    color: var(--thm-anchor-acc-hov);
}

html[data-theme="light"] #reviewsModal .reviews-drawer-card {
    background-color: var(--thm-base-sfc);
    color: var(--thm-base-txt);
}

html[data-theme="light"] #reviewsModal .reviews-drawer-header {
    border-bottom-color: var(--thm-base-bdr);
}

html[data-theme="light"] #reviewsModal .reviews-drawer-title {
    color: var(--thm-base-hdg);
}

html[data-theme="light"] #reviewsModal .reviews-drawer-subtitle {
    color: var(--thm-base-txt);
}

html[data-theme="light"] #reviewsModal .chip {
    background: var(--thm-base-crd);
    color: var(--thm-base-crd-c);
    border-color: var(--thm-base-bdr);
}

html[data-theme="light"] #reviewsModal .chip.active,
html[data-theme="light"] #reviewsModal .chip:hover {
    background: var(--thm-base-acc);
    color: var(--thm-base-acc-c);
    border-color: var(--thm-base-acc);
}

html[data-theme="light"] #reviewsModal .drawer-review-item {
    background: var(--thm-base-crd);
    border-color: var(--thm-base-bdr);
    color: var(--thm-base-crd-c);
}

html[data-theme="light"] #reviewsModal .drawer-review-name,
html[data-theme="light"] #reviewsModal .drawer-review-date,
html[data-theme="light"] #reviewsModal .drawer-review-quote,
html[data-theme="light"] #reviewsModal .drawer-review-response {
    color: var(--thm-base-crd-c);
}

html[data-theme="light"] #reviewsModal .drawer-review-stars {
    color: var(--thm-base-acc);
}

html[data-theme="light"] #reviewsModal .drawer-review-response {
    border-top-color: var(--thm-base-bdr);
}

html[data-theme="light"] #reviewsModal .drawer-review-response strong {
    color: var(--thm-base-hdg);
}

/* --- Footer --- */
footer {
    background-color: var(--thm-anchor-sfc);
    color: var(--thm-anchor-txt-c-alt);
    padding: 60px 5% 30px 5%;
    font-size: 0.9rem;
    border-top: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.1);
}

.footer-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr) minmax(0, 2.1fr) minmax(0, 1fr);
    gap: 32px;
    max-width: 1200px;
    margin: 0 auto 40px auto;
}

.footer-col h4 {
    color: var(--thm-anchor-txt);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.footer-navigation-groups {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.footer-navigation-groups h5 {
    color: var(--thm-anchor-txt);
    font-size: 0.9rem;
    font-weight: 700;
    margin-bottom: 12px;
}

.footer-logo-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.footer-logo-row img {
    height: 32px;
}

.footer-tagline {
    color: var(--thm-anchor-txt-c-alt);
    font-size: 0.85rem;
    line-height: 1.6;
}

.footer-link-on-brand {
    color: var(--thm-anchor-txt);
}

.footer-col ul {
    list-style: none;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul li a {
    color: var(--thm-anchor-txt-c-alt);
    text-decoration: none;
    transition: color 0.2s;
}

.footer-col ul li a:hover {
    color: var(--thm-anchor-acc-hov);
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid rgba(var(--thm-anchor-sfc-c-rgb), 0.08);
    font-size: 0.8rem;
    color: var(--thm-anchor-txt-c-alt);
}

@media (max-width: 1024px) {
    .nav-links { display: none; }
    .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .footer-navigation { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
    .footer-grid { grid-template-columns: 1fr; }
    .footer-navigation { grid-column: auto; }
    .hero-title { font-size: 2.2rem; }
    .utility-bar { flex-direction: column; gap: 8px; text-align: center; }
    .grid-2 { grid-template-columns: 1fr; }
    .independent-comparison { background-attachment: scroll; }
    .nav-cta-group { display: none; }
    body { padding-bottom: 68px; }

    .mobile-cta-bar {
        display: flex;
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        z-index: 1100;
        box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.25);
    }

    .mobile-cta-bar a {
        flex: 1;
        display: flex;
        color: var(--thm-base-acc-txt-hov);
        align-items: center;
        justify-content: center;
        gap: 2px;
        padding: 10px 4px 8px;
        color: var(--thm-base-acc-txt-hov);
        font-size: 0.72rem;
        font-weight: 700;
        letter-spacing: 0.3px;
    }

    .mobile-cta-bar a .mobile-cta-icon {
        font-size: 1.15rem;
    }

    .mobile-cta-bar a.call,
    .mobile-cta-bar a.text {
        background: rgba(var(--thm-anchor-sfc-rgb), 0.85);
        color: var(--thm-anchor-txt);
    }

    .mobile-cta-bar a.quote {
        background: var(--thm-anchor-acc);
        color: var(--thm-anchor-acc-c);
    }

    .mobile-cta-bar a.quote:hover {
        background: var(--thm-anchor-acc-hov);
    }
}

@media (max-width: 480px) {
    .footer-navigation-groups { grid-template-columns: 1fr; }
}