:root{
  --bg:#f6fbf9;
  --surface:#ffffff;
  --surface2:#f0f7f4;
  --text:#0b1220;
  --muted:#4b5b66;

  /* Brand (from logo) */
  --brand-blue:#0060C0;
  --brand-green:#208060;
  --brand-yellow:#E0C000;

  --border: rgba(11,18,32,.10);
  --shadow: 0 18px 40px rgba(11,18,32,.10);
  --radius:18px;

  /* Dark sections */
  --dark:#07100d;
  --dark2:#0b1110;
  --darkText:#ecf7f2;
  --darkMuted:#b7d0c6;
  --darkBorder: rgba(236,247,242,.12);
  --darkShadow: 0 18px 40px rgba(0,0,0,.35);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);}
a{color:inherit}
img{max-width:100%;height:auto}
.container{max-width:1120px;margin:0 auto;padding:0 20px}
.muted{color:var(--muted)}
.sr-only{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip-link{position:absolute;left:-9999px;top:12px;background:#fff;color:#000;padding:10px 12px;border-radius:10px}
.skip-link:focus{left:12px;z-index:9999}

.site-header{position:sticky;top:0;z-index:50;background:rgba(7,16,13,.92);backdrop-filter: blur(10px);border-bottom:1px solid var(--darkBorder)}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-logo{height:40px;width:auto;display:block}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-weight:800;letter-spacing:.2px;color:var(--darkText)}
.brand-sub{font-weight:700;color:var(--darkMuted);font-size:.92rem}

.site-nav{display:flex;align-items:center;gap:18px}
.site-nav a{text-decoration:none;color:var(--darkMuted);font-weight:700;font-size:.95rem}
.site-nav a:hover{color:var(--darkText)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  color:#ffffff; font-weight:900; text-decoration:none; padding:14px 18px;border-radius:14px;
  box-shadow:0 12px 26px rgba(0,96,192,.20); border:1px solid rgba(255,255,255,.14)}
.btn:hover{filter:brightness(1.05)}
.btn-outline{background:transparent;color:var(--darkText);border:1px solid var(--darkBorder);box-shadow:none}
.btn-small{padding:10px 14px;border-radius:12px;font-weight:900}
.btn-small.btn-outline{color:var(--darkText)}

.nav-toggle{display:none;background:transparent;border:1px solid var(--darkBorder);border-radius:14px;padding:10px 12px}
.nav-toggle .bar{display:block;width:20px;height:2px;background:var(--darkText);margin:4px 0;border-radius:2px}

/* Hero (dark) */
.hero{padding:64px 0 28px}
.hero.hero-dark{
  background:radial-gradient(1200px 800px at 15% 0%, rgba(0,96,192,.35), transparent 55%),
             radial-gradient(900px 700px at 85% 20%, rgba(32,128,96,.35), transparent 55%),
             linear-gradient(180deg, var(--dark), var(--dark2));
  color:var(--darkText);
}
.hero-grid{display:grid;grid-template-columns: 1.2fr .8fr;gap:28px;align-items:stretch}
.hero-card{
  background:linear-gradient(180deg, rgba(255,255,255,.06), rgba(255,255,255,.02));
  border:1px solid var(--darkBorder); border-radius:var(--radius); box-shadow:var(--darkShadow); padding:28px
}
.kicker{display:inline-flex;gap:10px;align-items:center;color:var(--darkMuted);font-weight:800;font-size:.92rem}
.kicker .dot{width:10px;height:10px;border-radius:50%;background:var(--brand-yellow)}
h1{font-size: clamp(2rem, 3.2vw, 3.2rem); margin:14px 0 10px; letter-spacing:-.4px}
.lead{font-size:1.05rem; color:var(--darkMuted); line-height:1.65}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.trust{display:grid;grid-template-columns:1fr;gap:10px;margin-top:18px}
.trust .item{display:flex;gap:10px;align-items:flex-start;color:var(--darkMuted)}
.badge{display:inline-flex;align-items:center;gap:8px;padding:10px 12px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid var(--border);color:var(--muted);font-weight:800}

.panel{background:rgba(255,255,255,.06);border:1px solid var(--darkBorder);border-radius:var(--radius);padding:22px;box-shadow:var(--darkShadow);color:var(--darkText)}
.panel h2{margin:0 0 10px;font-size:1.2rem}
.panel p{margin:0;color:var(--darkMuted);line-height:1.6}
.panel .mini{margin-top:14px;display:grid;gap:10px}
.mini .row{display:flex;justify-content:space-between;gap:14px;padding:10px 12px;border-radius:14px;border:1px solid var(--darkBorder);background:rgba(0,0,0,.18);color:var(--darkMuted)}

.section{padding:34px 0}
.section-title{display:flex;align-items:flex-end;justify-content:space-between;gap:12px;margin-bottom:14px}
.section-title h2{margin:0;font-size:1.55rem}
.section-title p{margin:0;color:var(--muted)}

/* Cards + grids (light) */
.grid{display:grid;grid-template-columns: repeat(12, 1fr); gap:16px}
.card{grid-column: span 4; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:18px; box-shadow:var(--shadow)}
.card h3{margin:10px 0 8px}
.card p{margin:0;color:var(--muted);line-height:1.6}
.card .icon{width:44px;height:44px;border-radius:16px;background:rgba(0,96,192,.10);border:1px solid rgba(0,96,192,.18);display:flex;align-items:center;justify-content:center}
.card .icon svg{width:22px;height:22px;fill:var(--brand-blue)}
.card .link{display:inline-flex;margin-top:12px;font-weight:900;text-decoration:none;color:var(--brand-blue)}
.card .link:hover{filter:brightness(1.15)}

.feature{background:linear-gradient(135deg, rgba(0,96,192,.10), rgba(32,128,96,.10)); border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.feature h2{margin:0 0 8px}
.feature ul{margin:10px 0 0;padding-left:18px;color:var(--muted);line-height:1.7}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.pills span{padding:8px 10px;border-radius:999px;border:1px solid var(--border);background:rgba(255,255,255,.6);color:var(--muted);font-weight:800;font-size:.92rem}

.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.box{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.box h3{margin:0 0 10px}
.box ul{margin:0;padding-left:18px;color:var(--muted);line-height:1.7}

.form{display:grid;gap:12px}
.field{display:grid;gap:6px}
label{font-weight:800}
input,select,textarea{width:100%;padding:12px 12px;border-radius:14px;border:1px solid var(--border);background:#ffffff;color:var(--text);outline:none}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:rgba(0,96,192,.55);box-shadow:0 0 0 4px rgba(0,96,192,.10)}
.form-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.form-actions .btn-outline{color:var(--text);border-color:var(--border)}

.alert{padding:12px 14px;border-radius:14px;border:1px solid var(--border);background:rgba(0,0,0,.03);color:var(--muted)}
.alert.success{border-color:rgba(32,128,96,.35);background:rgba(32,128,96,.10);color:#0b3a2a}
.alert.error{border-color:rgba(200,50,50,.25);background:rgba(200,50,50,.08);color:#5a0b0b}

/* Page hero (light) */
.breadcrumb{margin:18px 0 0;color:var(--muted)}
.page-hero{padding:34px 0 18px;background:linear-gradient(180deg, rgba(0,96,192,.05), transparent)}
.page-hero h1{margin:10px 0 8px}
.page-hero p{margin:0;color:var(--muted);line-height:1.6}

/* Footer (dark) */
.site-footer{margin-top:40px;border-top:1px solid var(--darkBorder);background:linear-gradient(180deg, var(--dark2), var(--dark));color:var(--darkText)}
.footer-grid{display:grid;grid-template-columns: 1.4fr 1fr 1fr;gap:18px;padding:22px 0}
.footer-title{font-weight:900;margin-bottom:6px}
.footer-brand{font-weight:900;font-size:1.05rem}
.footer-links{display:grid;gap:8px}
.footer-links a{color:var(--darkMuted);text-decoration:none;font-weight:800}
.footer-links a:hover{color:var(--darkText)}
.footer-bottom{padding:14px 0;border-top:1px solid var(--darkBorder)}
.site-footer .muted{color:var(--darkMuted)}
.site-footer a{color:var(--darkText)}

@media (max-width: 900px){
  .hero-grid{grid-template-columns:1fr}
  .feature-grid{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  .card{grid-column: span 6}
}
@media (max-width: 640px){
  .site-nav{display:none;position:absolute;top:64px;right:16px;left:16px;flex-direction:column;background:rgba(7,16,13,.98);border:1px solid var(--darkBorder);border-radius:16px;padding:12px}
  .site-nav.open{display:flex}
  .nav-toggle{display:inline-block}
  .card{grid-column: span 12}
  .brand-logo{height:36px}
}


/* Modal */
.modal{position:fixed;inset:0;display:none;z-index:999}
.modal[aria-hidden="false"]{display:block}
.modal-overlay{position:absolute;inset:0;background:rgba(0,0,0,.55)}
.modal-dialog{
  position:relative;max-width:720px;margin:10vh auto 0; background:var(--surface);
  border:1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  padding:18px 18px 20px; color:var(--text)
}
.modal-close{
  position:absolute;right:12px;top:10px;width:40px;height:40px;border-radius:12px;
  border:1px solid var(--border); background:rgba(0,0,0,.03); font-size:22px; cursor:pointer
}
.modal-close:hover{filter:brightness(0.98)}
.material-card[data-modal-title]{cursor:pointer; transition: transform .12s ease, box-shadow .12s ease}
.material-card[data-modal-title]:hover{transform: translateY(-2px); box-shadow: 0 22px 50px rgba(11,18,32,.14)}




/* Home materials layout (2x2) - force override */
.container.grid .card.material-card{grid-column: span 6 !important;}
@media (max-width: 900px){.container.grid .card.material-card{grid-column: span 12 !important;}}

/* Active nav highlight (strong) */
.site-nav a.active{color: var(--brand-yellow) !important;}
.site-nav a.active{position:relative;}
.site-nav a.active::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-10px;
  height:2px;
  background: linear-gradient(90deg, var(--brand-yellow), var(--brand-green));
  border-radius:999px;
}

/* Safety: hide any stray floating request widget if injected */
.floating-cta, .floating-quote, .quote-float, .request-float, .sticky-quote{display:none !important;}

/* Active nav highlight (brand) */
.site-nav a.active{
  color: var(--darkText) !important;
}
.site-nav a.active::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-10px;
  height:3px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
  border-radius:999px;
  box-shadow: 0 10px 18px rgba(0,96,192,.18);
}

/* Timeline */
.timeline{
  display:grid;
  grid-template-columns: 1fr;
  gap:14px;
}
.timeline-item{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding:16px 18px;
  position:relative;
  overflow:hidden;
}
.timeline-item::before{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(135deg, rgba(0,96,192,.10), rgba(32,128,96,.10));
  opacity:.55;
  pointer-events:none;
}
.timeline-item > *{position:relative}
.tl-top{display:flex;align-items:center;gap:12px;margin-bottom:8px}
.tl-num{
  width:40px;height:40px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  color:#fff;font-weight:900;
  box-shadow: 0 12px 24px rgba(0,96,192,.20);
}
.tl-title{font-weight:900;margin:0}
.tl-desc{margin:0;color:var(--muted);line-height:1.6}
.tl-meta{margin-top:10px;display:flex;flex-wrap:wrap;gap:10px}
.tl-chip{padding:8px 10px;border-radius:999px;border:1px solid var(--border);background:rgba(255,255,255,.7);color:var(--muted);font-weight:800;font-size:.92rem}
@media (min-width: 900px){
  .timeline{grid-template-columns:1fr 1fr}
  .timeline-item{min-height:170px}
}

/* Inner page enhancements */
.hero-lite{
  padding:44px 0 18px;
  background:
    radial-gradient(900px 600px at 10% 0%, rgba(0,96,192,.14), transparent 60%),
    radial-gradient(900px 600px at 90% 10%, rgba(32,128,96,.14), transparent 55%),
    linear-gradient(180deg, rgba(255,255,255,.85), transparent);
}
.hero-lite .box{background: linear-gradient(180deg, rgba(255,255,255,.92), rgba(255,255,255,.72));}
.kpi-grid{display:grid;grid-template-columns: repeat(12, 1fr); gap:16px}
.kpi{grid-column: span 4; background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:16px; box-shadow:var(--shadow)}
.kpi strong{display:block;font-size:1.4rem;letter-spacing:-.3px}
.kpi span{color:var(--muted);font-weight:800}
@media (max-width: 900px){.kpi{grid-column: span 12;}}

.faq details{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:14px 16px;
}
.faq details + details{margin-top:12px}
.faq summary{cursor:pointer;font-weight:900}
.faq p{margin:10px 0 0;color:var(--muted);line-height:1.7}

/* Make Nationwide easy to spot */
.site-nav .nav-pill{
  padding:10px 14px;
  border-radius:999px;
  border:1px solid var(--border);
  background: linear-gradient(135deg, rgba(0,96,192,.12), rgba(32,128,96,.12));
  font-weight:900;
}
.site-nav .nav-pill:hover{filter:brightness(0.98)}

/* Sticky Nationwide ribbon (desktop) */
.nw-ribbon{
  position:sticky;
  top:0;
  z-index:999;
  backdrop-filter: blur(10px);
  background: rgba(255,255,255,.82);
  border-bottom: 1px solid var(--border);
}
.nw-ribbon-inner{
  max-width: 1150px;
  margin: 0 auto;
  padding: 10px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}
.nw-ribbon-left{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.nw-dot{
  width:10px;height:10px;border-radius:999px;
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  box-shadow:0 10px 18px rgba(0,96,192,.18);
}
.nw-muted{color:var(--muted);font-weight:800;font-size:.95rem}
.nw-ribbon-right{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.nw-link{font-weight:900;color:var(--darkText);text-decoration:none}
.nw-link:hover{text-decoration:underline}
.nw-btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:10px 14px;border-radius:999px;
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  color:#fff;font-weight:900;text-decoration:none;
  box-shadow: 0 14px 26px rgba(0,96,192,.20);
}
.nw-btn:hover{filter:brightness(.98)}
/* Desktop-only to keep mobile clean */
@media (max-width: 900px){
  .nw-ribbon{display:none;}
}

/* Improve Nationwide ribbon contrast */
.nw-ribbon{
  background: linear-gradient(180deg, #f9fbff, #ffffff);
}
.nw-link{
  padding:8px 12px;
  border-radius:999px;
  background: rgba(0,96,192,.10);
  border:1px solid rgba(0,96,192,.25);
}
.nw-link:hover{
  background: rgba(0,96,192,.18);
}

/* Footer cards visibility fix */
.site-footer .card{
  background: linear-gradient(180deg, #ffffff, #f6f9fc);
  border:1px solid var(--border);
  box-shadow: 0 14px 28px rgba(0,0,0,.08);
}

/* Ribbon accent line */
.nw-ribbon::before{
  content:"";
  display:block;
  height:3px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
}

/* Ribbon CTA hover animation */
.nw-btn{
  transition: transform .18s ease, box-shadow .18s ease, filter .18s ease;
}
.nw-btn:hover{
  transform: translateY(-1px) scale(1.01);
  box-shadow: 0 18px 34px rgba(0,96,192,.24);
}
.nw-link{
  transition: background .18s ease, transform .18s ease, border-color .18s ease;
}
.nw-link:hover{
  transform: translateY(-1px);
  border-color: rgba(0,96,192,.35);
}

/* Footer card iconography */
.footer-card h3{
  display:flex;
  align-items:center;
  gap:10px;
}
.footer-icon{
  width:34px;
  height:34px;
  border-radius:12px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  background: linear-gradient(135deg, rgba(0,96,192,.14), rgba(32,128,96,.14));
  border: 1px solid rgba(0,96,192,.18);
  box-shadow: 0 12px 24px rgba(0,0,0,.06);
}
.footer-icon svg{width:18px;height:18px;fill: var(--darkText);opacity:.9}

/* ===== Contrast pass (ribbon + footer cards) ===== */

/* Ribbon: darker glass + stronger border and text contrast */
.nw-ribbon{
  background: rgba(255,255,255,.92) !important;
  border-bottom: 1px solid rgba(0,0,0,.10) !important;
}
.nw-ribbon-inner strong{color: var(--darkText) !important}
.nw-muted{color: rgba(20,30,35,.72) !important}

/* Explore pill: make it unmistakably clickable */
.nw-link{
  color: rgba(0,60,120,1) !important;
  background: rgba(0,96,192,.16) !important;
  border: 1px solid rgba(0,96,192,.40) !important;
  box-shadow: 0 10px 20px rgba(0,96,192,.12);
}
.nw-link:hover{background: rgba(0,96,192,.22) !important}

/* Footer cards: brighten, deepen shadow, and set text colors */
.site-footer .footer-card{
  background: rgba(255,255,255,.95) !important;
  border: 1px solid rgba(255,255,255,.22) !important;
  box-shadow: 0 18px 38px rgba(0,0,0,.28) !important;
}
.site-footer .footer-card h3,
.site-footer .footer-card h3 span,
.site-footer .footer-card p,
.site-footer .footer-card a{
  color: #0f1b1f !important;
}
.site-footer .footer-card p{opacity:.85}
.site-footer .footer-card .link{color: rgba(0,60,120,1) !important; font-weight:900}
.site-footer .footer-card .btn{box-shadow: 0 14px 28px rgba(0,96,192,.22) !important}

/* Icon badge: slightly brighter for dark footer context */
.site-footer .footer-icon{
  background: linear-gradient(135deg, rgba(0,96,192,.20), rgba(32,128,96,.20)) !important;
  border: 1px solid rgba(0,96,192,.28) !important;
}

/* Ribbon left title visibility fix */
.nw-ribbon, .nw-ribbon *{opacity:1 !important;}
.nw-ribbon-left strong{
  color: #0f1b1f !important;
  font-weight: 1000 !important;
  letter-spacing: .2px;
  text-shadow: 0 1px 0 rgba(255,255,255,.65);
}

/* Fix faded 'Explore Nationwide' (btn-outline contrast) */
.btn.btn-outline{
  color: rgba(0,60,120,1) !important;
  background: rgba(0,96,192,.10) !important;
  border: 1px solid rgba(0,96,192,.35) !important;
  opacity: 1 !important;
}
.btn.btn-outline:hover{
  background: rgba(0,96,192,.16) !important;
  transform: translateY(-1px);
}
/* Ensure callout buttons never inherit muted opacity */
.box a.btn, .box a.btn *{opacity:1 !important;}

/* ===== Homepage hero animated background (subtle + modern) ===== */
.hero.hero-animated-bg{
  position: relative;
  overflow: hidden;
}
.hero.hero-animated-bg::before{
  content:"";
  position:absolute;
  inset:-40%;
  background:
    radial-gradient(closest-side at 20% 30%, rgba(0,96,192,.35), transparent 60%),
    radial-gradient(closest-side at 80% 20%, rgba(32,128,96,.32), transparent 60%),
    radial-gradient(closest-side at 70% 80%, rgba(0,96,192,.22), transparent 60%),
    radial-gradient(closest-side at 25% 75%, rgba(32,128,96,.20), transparent 60%);
  filter: blur(14px);
  opacity: .75;
  transform: translate3d(0,0,0) scale(1.02);
  animation: heroDrift 18s ease-in-out infinite alternate;
  pointer-events:none;
}
.hero.hero-animated-bg::after{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(180deg, rgba(0,0,0,.35), rgba(0,0,0,.55));
  opacity: .55;
  pointer-events:none;
}
.hero.hero-animated-bg > *{
  position: relative;
  z-index: 1;
}

@keyframes heroDrift{
  0%   { transform: translate3d(-2%, -1%, 0) scale(1.02) rotate(-0.4deg); }
  50%  { transform: translate3d( 2%,  1%, 0) scale(1.04) rotate( 0.4deg); }
  100% { transform: translate3d(-1%,  2%, 0) scale(1.03) rotate(-0.2deg); }
}

@media (prefers-reduced-motion: reduce){
  .hero.hero-animated-bg::before{ animation: none; }
}