/* ============================================================
   Peach Policy — Main Stylesheet
   Mobile-first. WCAG 2.1 AA. Hugo static site.
   ============================================================ */

/* ---------- DESIGN TOKENS ---------- */
:root {
  /* Brand colors — steel blue primary, warm peach accent */
  --color-primary: #2a5f8f;
  --color-primary-dark: #1e4870;
  --color-primary-light: #3a7ab8;
  --color-accent: #e07b39;
  --color-accent-dark: #c45f1e;

  /* Neutrals */
  --color-bg: #ffffff;
  --color-surface: #f7f7f5;
  --color-border: #e0deda;
  --color-text: #1a1a1a;
  --color-text-muted: #5a5a5a;
  --color-text-light: #888888;

  /* Typography */
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-size-base: 1rem;
  --line-height-base: 1.6;

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-2xl: 6rem;

  /* Layout */
  --max-width: 1100px;
  --radius: 6px;
  --radius-lg: 12px;
}

/* ---------- RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 16px;
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  line-height: var(--line-height-base);
  color: var(--color-text);
  background: var(--color-bg);
}

img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }
a { color: var(--color-primary); }
a:hover { color: var(--color-primary-dark); }

/* ---------- ACCESSIBILITY ---------- */
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

/* Skip to main content */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-sm);
  background: var(--color-primary);
  color: white;
  padding: var(--space-xs) var(--space-sm);
  border-radius: var(--radius);
  z-index: 1000;
  text-decoration: none;
}
.skip-link:focus { top: var(--space-sm); }

/* ---------- LAYOUT ---------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-sm);
}

@media (min-width: 768px) {
  .container { padding: 0 var(--space-lg); }
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-accent);
  color: white;
  border-color: var(--color-accent);
}
.btn-primary:hover {
  background: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
  color: white;
}

.btn-secondary {
  background: transparent;
  color: white;
  border-color: rgba(255,255,255,0.7);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.15);
  border-color: white;
  color: white;
}

.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn-outline:hover {
  background: var(--color-primary);
  color: white;
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: 1.1rem;
}

.btn-full { width: 100%; }

/* ---------- HEADER ---------- */
.site-header {
  background: white;
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: var(--space-sm);
}

.logo {
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  white-space: nowrap;
}

.logo-peach {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  display: block;
}

.logo-brand {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  line-height: 1;
}

/* Mobile nav toggle */
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 44px;
  height: 44px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  gap: 5px;
}

.hamburger,
.hamburger::before,
.hamburger::after {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: transform 0.2s ease;
}
.hamburger::before { content: ""; }
.hamburger::after { content: ""; }

/* Primary nav — mobile hidden by default */
.primary-nav {
  display: none;
  position: absolute;
  top: 64px;
  left: 0;
  right: 0;
  background: white;
  border-bottom: 1px solid var(--color-border);
  padding: var(--space-sm) 0;
}

.primary-nav.is-open { display: block; }

.primary-nav ul {
  display: flex;
  flex-direction: column;
}

.primary-nav li a {
  display: block;
  padding: 0.75rem var(--space-sm);
  color: var(--color-primary);
  text-decoration: none;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.primary-nav li a:hover { color: var(--color-primary-dark); }
.primary-nav li a[aria-current="page"] { color: var(--color-accent); }

.nav-cta { padding: var(--space-xs) var(--space-sm); }
.nav-cta a { width: 100%; }

/* Desktop nav */
@media (min-width: 900px) {
  .nav-toggle { display: none; }

  .primary-nav {
    display: flex !important;
    position: static;
    background: none;
    border: none;
    padding: 0;
  }

  .primary-nav ul {
    flex-direction: row;
    align-items: center;
    gap: var(--space-xs);
  }

  .primary-nav li a {
    padding: 0.5rem 0.75rem;
    border-radius: var(--radius);
  }

  .nav-cta { padding: 0; }
  .nav-cta a { width: auto; }
}

/* ---------- HERO ---------- */
.hero {
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 60%, var(--color-primary-light) 100%);
  color: white;
  padding: var(--space-xl) 0;
}

.hero-inner {
  max-width: 700px;
}

.hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: var(--space-md);
}

.hero-sub {
  font-size: 1.15rem;
  line-height: 1.6;
  margin-bottom: var(--space-lg);
  opacity: 0.92;
}

.hero-ctas {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
}

@media (min-width: 480px) {
  .hero-ctas { flex-direction: row; flex-wrap: wrap; }
}

.hero-license {
  font-size: 0.85rem;
  opacity: 0.75;
}
.hero-license a { color: rgba(255,255,255,0.9); }

/* ---------- INDUSTRY SLIDESHOW ---------- */
.industry-slider {
  background: #000;
  user-select: none;
}

.slider-viewport {
  position: relative;
  overflow: hidden;
  height: 260px;
}

@media (min-width: 600px) {
  .slider-viewport { height: 360px; }
}

@media (min-width: 900px) {
  .slider-viewport { height: 480px; }
}

.slider-track {
  display: flex;
  height: 100%;
  transition: transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: transform;
}

.slide {
  position: relative;
  flex: 0 0 100%;
  width: 100%;
  height: 100%;
  overflow: hidden;
}

.slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 8s ease;
}

.slider-track .slide.is-active img {
  transform: scale(1.04);
}

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(0, 0, 0, 0.68) 0%,
    rgba(0, 0, 0, 0.35) 55%,
    rgba(0, 0, 0, 0.15) 100%
  );
}

.slide-caption {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: var(--space-lg) var(--space-lg) var(--space-md);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.5rem;
}

@media (min-width: 900px) {
  .slide-caption {
    top: 50%;
    bottom: auto;
    transform: translateY(-50%);
    max-width: 540px;
    padding-left: calc((100vw - var(--max-width)) / 2 + var(--space-lg));
    gap: 0.75rem;
  }
}

.slide-tag {
  display: inline-block;
  background: var(--color-accent);
  color: white;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 0.3rem 0.75rem;
  border-radius: 3px;
}

.slide-caption p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.9rem;
  font-weight: 500;
  text-shadow: 0 1px 3px rgba(0,0,0,0.5);
  margin: 0;
}

@media (min-width: 600px) {
  .slide-caption p { font-size: 1rem; }
}

@media (min-width: 900px) {
  .slide-caption p { font-size: 1.1rem; }
  .slide-tag { font-size: 0.85rem; }
}

/* Prev / next buttons */
.slider-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: rgba(0, 0, 0, 0.45);
  color: white;
  border: none;
  border-radius: 50%;
  width: 44px;
  height: 44px;
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
  z-index: 10;
  padding: 0;
}

.slider-btn:hover { background: rgba(0, 0, 0, 0.72); }

.slider-prev { left: 0.75rem; }
.slider-next { right: 0.75rem; }

@media (min-width: 768px) {
  .slider-btn { width: 52px; height: 52px; font-size: 2.2rem; }
  .slider-prev { left: 1.25rem; }
  .slider-next { right: 1.25rem; }
}

/* Dot navigation */
.slider-dots {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 0;
  background: #111;
}

.slider-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.4);
  background: transparent;
  cursor: pointer;
  padding: 0;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.slider-dot.active,
.slider-dot:hover {
  background: var(--color-accent);
  border-color: var(--color-accent);
  transform: scale(1.25);
}

/* ---------- SECTIONS ---------- */
.section-heading {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  margin-bottom: var(--space-sm);
  text-align: center;
}

.section-sub {
  text-align: center;
  color: var(--color-text-muted);
  max-width: 620px;
  margin: 0 auto var(--space-lg);
}

/* Niche nav cards */
.niche-nav {
  padding: var(--space-xl) 0;
  background: var(--color-surface);
}

.niche-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}

@media (min-width: 600px) {
  .niche-cards { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 900px) {
  .niche-cards { grid-template-columns: 1fr 1fr 1fr; }
}

.niche-card {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-decoration: none;
  color: var(--color-text);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  transition: box-shadow 0.15s ease, border-color 0.15s ease;
}

.niche-card:hover {
  box-shadow: 0 4px 20px rgba(0,0,0,0.1);
  border-color: var(--color-primary-light);
  color: var(--color-text);
}

.niche-icon { font-size: 2rem; }

.niche-card h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-primary);
}

.niche-card p {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  flex: 1;
}

.card-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-accent);
  margin-top: var(--space-xs);
}

.niche-card--general { border-style: dashed; }

/* Differentiator section */
.differentiator {
  padding: var(--space-xl) 0;
}

.diff-content {
  max-width: 700px;
  margin: 0 auto;
}

.diff-content h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

.diff-lead {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  margin-bottom: var(--space-lg);
}

.diff-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
}

.diff-list li {
  padding-left: 1.5rem;
  position: relative;
}

.diff-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--color-accent);
  font-weight: 700;
}

/* Carrier promise */
.carrier-promise {
  background: var(--color-surface);
  padding: var(--space-xl) 0;
  text-align: center;
}

.carrier-promise h2 {
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

.carrier-promise p {
  max-width: 580px;
  margin: 0 auto var(--space-lg);
  color: var(--color-text-muted);
}

/* Quote section */
.quote-section {
  padding: var(--space-xl) 0;
  background: var(--color-primary-dark);
  color: white;
}

.quote-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
}

@media (min-width: 768px) {
  .quote-inner { grid-template-columns: 1fr 1fr; align-items: start; }
}

.quote-copy h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}

.quote-copy p {
  color: rgba(255,255,255,0.85);
  margin-bottom: var(--space-sm);
}

.quote-promise {
  font-weight: 600;
  color: var(--color-accent) !important;
}

/* ---------- CONTACT FORM ---------- */
.contact-form {
  background: white;
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form-group label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-text);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.75rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: var(--font-sans);
  color: var(--color-text);
  background: white;
  transition: border-color 0.15s ease;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(42,95,143,0.15);
}

/* ---------- CONTACT CTA (replaces form while Formspree is not configured) ---------- */
.contact-cta {
  background: white;
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.contact-cta-lead {
  font-size: 1rem;
  color: var(--color-text-muted);
  margin: 0;
}

.contact-cta-options {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.contact-cta-btn {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-sm) var(--space-md);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius);
  text-decoration: none;
  color: var(--color-text);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.contact-cta-btn:hover {
  border-color: var(--color-primary-light);
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  color: var(--color-text);
}

.contact-cta-icon {
  font-size: 1.6rem;
  line-height: 1;
  flex-shrink: 0;
}

.contact-cta-btn span:last-child {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.contact-cta-btn strong {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
}

.contact-cta-btn em {
  font-style: normal;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-primary);
}

.contact-cta-promise {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  margin: 0;
  text-align: center;
}

/* ---------- FORM ERROR ---------- */
.form-error {
  font-size: 0.9rem;
  color: #c0392b;
  background: #fdf2f2;
  border: 1px solid #f5c6c6;
  border-radius: var(--radius);
  padding: 0.6rem 0.9rem;
  margin-top: 0.25rem;
}

.form-disclaimer {
  font-size: 0.8rem;
  color: var(--color-text-light);
  text-align: center;
  line-height: 1.4;
}

/* ---------- FOOTER ---------- */
.site-footer {
  background: #111;
  color: #ccc;
  padding: var(--space-xl) 0 var(--space-lg);
}

.footer-cols {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
}

@media (min-width: 600px) {
  .footer-cols { grid-template-columns: 2fr 1fr 1fr; }
}

.footer-brand {
  font-size: 1.3rem;
  font-weight: 700;
  color: white;
  margin-bottom: var(--space-xs);
}

.footer-tagline {
  font-size: 0.9rem;
  color: #aaa;
  margin-bottom: var(--space-sm);
  font-style: italic;
}

.footer-contact a {
  color: #ccc;
  text-decoration: none;
  font-size: 0.95rem;
}
.footer-contact a:hover { color: white; }

.footer-heading {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #888;
  margin-bottom: var(--space-sm);
}

.footer-col ul { display: flex; flex-direction: column; gap: 0.4rem; }

.footer-col ul li a {
  color: #ccc;
  text-decoration: none;
  font-size: 0.9rem;
}
.footer-col ul li a:hover { color: white; }

.footer-legal {
  border-top: 1px solid #2a2a2a;
  padding-top: var(--space-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.footer-legal p {
  font-size: 0.8rem;
  color: #666;
  line-height: 1.5;
}

.footer-eo { color: #777 !important; }
.footer-copyright { color: #555 !important; }

/* ---------- PAGE CONTENT (single pages) ---------- */
.page-content { padding: var(--space-xl) 0; }

.page-header {
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--color-border);
}

.page-header h1 {
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
}

.page-subtitle {
  font-size: 1.15rem;
  color: var(--color-text-muted);
  margin-top: var(--space-xs);
}

/* Prose styles for content pages */
.prose h2 { font-size: 1.6rem; font-weight: 700; margin: var(--space-lg) 0 var(--space-sm); }
.prose h3 { font-size: 1.25rem; font-weight: 600; margin: var(--space-md) 0 var(--space-xs); }
.prose p { margin-bottom: var(--space-sm); color: var(--color-text-muted); }
.prose ul { list-style: disc; padding-left: 1.5rem; margin-bottom: var(--space-sm); }
.prose ul li { margin-bottom: 0.35rem; color: var(--color-text-muted); }
.prose strong { color: var(--color-text); }
.prose a { color: var(--color-primary); }
.prose table { width: 100%; border-collapse: collapse; margin: var(--space-md) 0; font-size: 0.95rem; }
.prose th { background: var(--color-surface); font-weight: 600; text-align: left; padding: 0.75rem; border: 1px solid var(--color-border); }
.prose td { padding: 0.75rem; border: 1px solid var(--color-border); color: var(--color-text-muted); }
.prose tr:nth-child(even) td { background: var(--color-surface); }

/* ---------- NICHE PAGES ---------- */

/* Niche hero */
.niche-hero {
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 60%, var(--color-primary-light) 100%);
  color: white;
  padding: var(--space-xl) 0;
}

.niche-hero-inner { max-width: 780px; }

.niche-hero h1 {
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: var(--space-md);
}

.niche-hero-sub {
  font-size: 1.1rem;
  line-height: 1.6;
  opacity: 0.92;
  margin-bottom: var(--space-lg);
}

.niche-hero-ctas {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

@media (min-width: 480px) {
  .niche-hero-ctas { flex-direction: row; flex-wrap: wrap; }
}

/* You're covered when */
.covered-when {
  padding: var(--space-xl) 0;
  background: var(--color-surface);
}

.covered-when h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  text-align: center;
  margin-bottom: var(--space-sm);
}

.scenario-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}

@media (min-width: 600px) {
  .scenario-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 900px) {
  .scenario-grid { grid-template-columns: 1fr 1fr 1fr; }
}

.scenario-card {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.scenario-icon { font-size: 2rem; }

.scenario-situation {
  font-weight: 600;
  color: var(--color-text);
  font-size: 0.95rem;
}

.scenario-coverage {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* Coverage types */
.coverage-types {
  padding: var(--space-xl) 0;
}

.coverage-types h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  text-align: center;
  margin-bottom: var(--space-sm);
}

.coverage-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}

@media (min-width: 768px) {
  .coverage-grid { grid-template-columns: 1fr 1fr; }
}

.coverage-card {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
  position: relative;
}

.coverage-card--required {
  border-color: var(--color-primary-light);
  background: rgba(42,95,143,0.03);
}

.coverage-badge {
  display: inline-block;
  background: var(--color-primary);
  color: white;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.2rem 0.5rem;
  border-radius: 3px;
  margin-bottom: var(--space-xs);
}

.coverage-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--space-xs);
}

.coverage-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-bottom: var(--space-xs);
}

.coverage-example {
  font-size: 0.85rem !important;
  color: var(--color-text-light) !important;
  border-left: 3px solid var(--color-border);
  padding-left: var(--space-xs);
  margin-top: var(--space-xs) !important;
}

/* Must-know callout */
.must-know {
  background: var(--color-accent);
  color: white;
  padding: var(--space-xl) 0;
}

.must-know-inner {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
}

.must-know-label {
  display: inline-block;
  background: rgba(255,255,255,0.25);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.3rem 0.75rem;
  border-radius: 3px;
  margin-bottom: var(--space-sm);
}

.must-know h2 {
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 700;
  margin-bottom: var(--space-xs);
}

.must-know-coverage-name {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: var(--space-md);
  opacity: 0.9;
}

.must-know-explanation {
  font-size: 1rem;
  line-height: 1.65;
  opacity: 0.92;
  margin-bottom: var(--space-sm);
}

.must-know-stat {
  font-size: 0.9rem;
  opacity: 0.8;
  font-style: italic;
}

/* Niche body (markdown content) */
.niche-body {
  padding: var(--space-xl) 0;
  background: var(--color-surface);
}

/* Compliance corner */
.compliance-corner {
  padding: var(--space-xl) 0;
  background: #1a2e45;
  color: white;
}

.compliance-corner h2 {
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  font-weight: 700;
  text-align: center;
  margin-bottom: var(--space-sm);
}

.compliance-corner .section-sub {
  color: rgba(255,255,255,0.75);
}

.compliance-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
}

@media (min-width: 768px) {
  .compliance-grid { grid-template-columns: 1fr 1fr; }
}

.compliance-item {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
}

.compliance-item h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-accent);
  margin-bottom: var(--space-xs);
}

.compliance-item p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.55;
}

.compliance-disclaimer {
  text-align: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  max-width: 580px;
  margin: 0 auto;
}

/* Quote promise list */
.quote-promise-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  margin-top: var(--space-md);
}

.quote-promise-list li {
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  padding-left: 1.5rem;
  position: relative;
}

.quote-promise-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--color-accent);
  font-weight: 700;
}

/* ---------- UTILITIES ---------- */
.text-center { text-align: center; }
.mt-lg { margin-top: var(--space-lg); }
.mb-lg { margin-bottom: var(--space-lg); }