/* ============================================================
   SURETY SPECIALIST — Main Stylesheet
   Acrisure-inspired professional theme
   Color Palette: #1976D2 (accent blue), #193254 (navy), slate grays, #FFF (white)
   ============================================================ */

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

:root {
  --yellow: #1976D2;
  --yellow-dark: #1565C0;
  --yellow-light: #E3F2FD;
  --accent-on-dark: #90CAF9;
  --black: #193254;
  --gray-900: #1A2D47;
  --gray-800: #22374F;
  --gray-700: #334155;
  --gray-600: #475569;
  --gray-500: #64748B;
  --gray-400: #94A3B8;
  --gray-300: #CBD5E1;
  --gray-200: #E2E8F0;
  --gray-100: #F1F5F9;
  --gray-50: #F8FAFC;
  --white: #FFFFFF;
  --danger: #DC2626;
  --success: #16A34A;
  --primary: var(--black);
  --font-heading: "Helvetica Neue", Arial, sans-serif;
  --font-body: "Helvetica Neue", Helvetica, Arial, sans-serif;
  --max-width: 1280px;
  --header-height: 80px;
  --transition: 0.25s ease;
}

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

body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ---------- Utility ---------- */
.container { width: 100%; max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--gray { background: var(--gray-100); }
.section--dark { background: var(--gray-900); color: var(--white); }
.section--black { background: var(--black); color: var(--white); }
.text-center { text-align: center; }
.text-yellow { color: var(--yellow); }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); line-height: 1.2; color: var(--black); }
h1 { font-size: clamp(2rem, 5vw, 3.25rem); letter-spacing: -0.5px; }
h2 { font-size: clamp(1.6rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: 1.25rem; }
p { margin-bottom: 16px; }
p:last-child { margin-bottom: 0; }

.section-label {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.8rem;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--yellow);
  margin-bottom: 12px;
}

.section--dark h1, .section--dark h2, .section--dark h3,
.section--black h1, .section--black h2, .section--black h3 { color: var(--white); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  border: 2px solid transparent;
  border-radius: 4px;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

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

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

.btn--dark {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}
.btn--dark:hover { background: var(--gray-700); border-color: var(--gray-700); }

/* Override dark buttons on navy backgrounds */
.cta-banner .btn--dark,
.sidebar-card--cta .btn--dark {
  background: var(--yellow);
  border-color: var(--yellow);
}
.cta-banner .btn--dark:hover,
.sidebar-card--cta .btn--dark:hover {
  background: var(--yellow-dark);
  border-color: var(--yellow-dark);
}

.btn--sm { padding: 10px 20px; font-size: 0.85rem; }

/* ---------- Header ---------- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: var(--header-height);
  background: var(--black);
  z-index: 1000;
  transition: box-shadow var(--transition);
}
.header.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.4); }

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.header__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 1.3rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  white-space: nowrap;
}
.header__logo .logo-pillar {
  flex-shrink: 0;
}
.header__logo .logo-wordmark {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.header__logo .logo-wordmark .logo-surety {
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: 2px;
  color: var(--white);
}
.header__logo .logo-wordmark .logo-specialist {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 3px;
  color: var(--accent-on-dark);
}
/* Footer logo — smaller scale */
.footer__brand .header__logo .logo-pillar svg {
  width: 28px;
  height: 34px;
}
.footer__brand .header__logo .logo-wordmark .logo-surety {
  font-size: 0.95rem;
}
.footer__brand .header__logo .logo-wordmark .logo-specialist {
  font-size: 0.6rem;
}

/* ----- Desktop Navigation ----- */
.nav { display: flex; align-items: center; gap: 4px; }

.nav__item { position: relative; }

.nav__link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 16px;
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  border-radius: 4px;
  transition: color var(--transition), background var(--transition);
}
.nav__link:hover, .nav__link:focus { color: var(--accent-on-dark); background: rgba(255,255,255,0.06); }
.nav__link .arrow { font-size: 0.6rem; transition: transform var(--transition); }

/* Mega-menu / Dropdown */
.nav__dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 260px;
  background: var(--white);
  border-top: 3px solid var(--yellow);
  box-shadow: 0 12px 40px rgba(0,0,0,0.18);
  border-radius: 0 0 6px 6px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
  z-index: 100;
}
.nav__item:hover .nav__dropdown,
.nav__item:focus-within .nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav__item:hover .nav__link .arrow { transform: rotate(180deg); }

.nav__dropdown a {
  display: block;
  padding: 12px 20px;
  color: var(--gray-700);
  font-size: 0.9rem;
  font-weight: 500;
  transition: background var(--transition), color var(--transition);
}
.nav__dropdown a:hover { background: var(--yellow); color: var(--white); }

/* Mega menu */
.nav__mega {
  min-width: 520px;
  padding: 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.nav__mega a { border-radius: 4px; }
.nav__mega-heading {
  grid-column: 1 / -1;
  font-family: var(--font-heading);
  font-size: 0.75rem;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gray-400);
  padding: 0 20px 8px;
  border-bottom: 1px solid var(--gray-100);
  margin-bottom: 4px;
}

/* Header CTA + Search */
.header__actions { display: flex; align-items: center; gap: 12px; }

.header__search {
  position: relative;
  display: flex;
  align-items: center;
}
.header__search input {
  width: 0;
  padding: 8px 0;
  background: transparent;
  border: none;
  color: var(--white);
  font-size: 0.9rem;
  transition: width 0.35s ease, padding 0.35s ease;
  outline: none;
}
.header__search.open input {
  width: 200px;
  padding: 8px 12px;
  border-bottom: 2px solid var(--yellow);
}
.header__search-btn {
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.2rem;
  cursor: pointer;
  padding: 8px;
  transition: color var(--transition);
}
.header__search-btn:hover { color: var(--accent-on-dark); }

.header__cta {
  display: none;
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.menu-toggle span {
  width: 26px;
  height: 3px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.menu-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 6px); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -6px); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  background: var(--black);
  margin-top: var(--header-height);
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0.35;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.65) 100%);
}
.hero__content {
  position: relative;
  z-index: 2;
  max-width: 700px;
  padding: 60px 0;
}
.hero__content h1 { color: var(--white); margin-bottom: 16px; text-shadow: 0 2px 8px rgba(0,0,0,0.6); }
.hero__content h1 span { color: var(--accent-on-dark); }
.hero__content p { color: var(--gray-200); font-size: 1.15rem; margin-bottom: 32px; }
.hero__btns { display: flex; flex-wrap: wrap; gap: 16px; }

/* Diagonal accent stripe */
.hero::after {
  content: "";
  position: absolute;
  right: -200px;
  top: -200px;
  width: 400px;
  height: 400px;
  background: var(--yellow);
  transform: rotate(45deg);
  opacity: 0.05;
  pointer-events: none;
}

/* ---------- Bond Finder (Search Tool) ---------- */
.bond-finder {
  background: var(--yellow);
  padding: 24px 0;
}
.bond-finder__inner {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.bond-finder label {
  font-family: var(--font-heading);
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--white);
  white-space: nowrap;
}
.bond-finder select,
.bond-finder input[type="text"] {
  flex: 1;
  min-width: 180px;
  padding: 12px 16px;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 4px;
  font-size: 0.95rem;
  background: var(--white);
}
.bond-finder .btn { flex-shrink: 0; }

/* ---------- Cards Grid ---------- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0,0,0,0.08);
  transition: transform 0.6s ease, box-shadow 0.6s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(0,0,0,0.14); }

.card__img {
  height: 200px;
  background-size: cover;
  background-position: center;
  position: relative;
}
.card__img::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 60px;
  background: linear-gradient(transparent, rgba(0,0,0,0.5));
}

.card__body { padding: 24px; }
.card__body h3 { margin-bottom: 8px; font-size: 1.2rem; }
.card__body p { font-size: 0.92rem; color: var(--gray-500); margin-bottom: 16px; }

.card__tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--yellow);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  border-radius: 3px;
  margin-bottom: 12px;
}

/* ---------- Stats Bar ---------- */
.stats {
  background: var(--black);
  padding: 40px 0;
}
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stats__item strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 2.5rem;
  color: var(--accent-on-dark);
  line-height: 1;
}
.stats__item span {
  font-size: 0.9rem;
  color: var(--gray-300);
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 600;
}

/* ---------- Info Hub / Encyclopedia Teaser ---------- */
.info-hub__grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
}
.info-article {
  padding: 24px;
  border-left: 4px solid var(--yellow);
  background: var(--gray-100);
  border-radius: 0 8px 8px 0;
  margin-bottom: 16px;
  transition: background var(--transition);
}
.info-article:hover { background: var(--yellow-light); }
.info-article h4 { margin-bottom: 6px; }
.info-article p { font-size: 0.9rem; color: var(--gray-500); }
.info-article a { color: var(--black); font-weight: 700; }
.info-article a:hover { color: var(--yellow-dark); }

.info-sidebar {
  background: var(--gray-900);
  color: var(--white);
  border-radius: 8px;
  padding: 32px;
}
.info-sidebar h3 { color: var(--accent-on-dark); margin-bottom: 16px; font-size: 1.2rem; }
.info-sidebar ul li {
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-700);
  font-size: 0.9rem;
}
.info-sidebar ul li:last-child { border-bottom: none; }
.info-sidebar ul li a { color: var(--gray-200); transition: color var(--transition); }
.info-sidebar ul li a:hover { color: var(--accent-on-dark); }

/* ---------- Testimonials ---------- */
.testimonials__slider {
  position: relative;
  overflow: hidden;
}
.testimonials__track {
  display: flex;
  transition: transform 0.8s ease;
}
.testimonial {
  flex: 0 0 100%;
  padding: 40px;
  text-align: center;
}
.testimonial blockquote {
  font-size: 1.25rem;
  font-style: italic;
  color: var(--gray-200);
  max-width: 700px;
  margin: 0 auto 24px;
  line-height: 1.7;
}
.testimonial cite {
  font-style: normal;
  color: var(--accent-on-dark);
  font-weight: 700;
  font-size: 1rem;
}
.testimonial cite span { display: block; color: var(--gray-400); font-weight: 400; font-size: 0.85rem; }
.testimonials__dots {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 16px;
}
.testimonials__dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 2px solid var(--gray-500);
  background: transparent;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition);
}
.testimonials__dot.active { background: var(--yellow); border-color: var(--yellow); }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: var(--black);
  padding: 60px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner h2 { color: var(--white); margin-bottom: 12px; }
.cta-banner p { color: var(--gray-300); font-size: 1.1rem; margin-bottom: 28px; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-banner::before,
.cta-banner::after {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border: 40px solid rgba(255,255,255,0.04);
  border-radius: 50%;
}
.cta-banner::before { top: -150px; left: -100px; }
.cta-banner::after { bottom: -150px; right: -100px; }

/* ---------- Footer ---------- */
.footer {
  background: var(--black);
  color: var(--gray-300);
  padding: 60px 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer__brand p { font-size: 0.9rem; margin-top: 12px; color: var(--gray-400); }

.footer h4 {
  color: var(--accent-on-dark);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 16px;
}
.footer ul li { margin-bottom: 8px; }
.footer ul li a {
  color: var(--gray-400);
  font-size: 0.9rem;
  transition: color var(--transition);
}
.footer ul li a:hover { color: var(--accent-on-dark); }

.footer__contact-info p { font-size: 0.9rem; margin-bottom: 6px; color: var(--gray-400); }
.footer__contact-info a { color: var(--accent-on-dark); }

.footer__bottom {
  border-top: 1px solid var(--gray-800);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.85rem;
  color: var(--gray-500);
}
.footer__socials { display: flex; gap: 16px; }
.footer__socials a {
  color: var(--gray-500);
  font-size: 1.2rem;
  transition: color var(--transition);
}
.footer__socials a:hover { color: var(--accent-on-dark); }

/* ---------- Page Header (Inner pages) ---------- */
.page-header {
  margin-top: var(--header-height);
  padding: 60px 0;
  position: relative;
  overflow: hidden;
  background-size: cover;
  background-position: center;
}
.page-header::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(25,50,84,0.92) 0%, rgba(25,50,84,0.75) 100%);
}
.page-header .container { position: relative; z-index: 2; }
.page-header h1 { color: var(--white); margin-bottom: 12px; text-shadow: 0 2px 8px rgba(0,0,0,0.5); }
.page-header h1 span { color: var(--accent-on-dark); }
.page-header p { color: var(--gray-300); font-size: 1.1rem; max-width: 650px; }

/* Breadcrumbs */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  margin-bottom: 20px;
  font-size: 0.85rem;
}
.breadcrumb a { color: var(--accent-on-dark); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: var(--gray-400); }

/* ---------- Content Layout ---------- */
.content-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}

.content-main a { color: var(--yellow); }
.content-main a:hover { color: var(--yellow-dark); text-decoration: underline; }
.content-main h2 { margin-top: 40px; margin-bottom: 16px; }
.content-main h2:first-child { margin-top: 0; }
.content-main h3 { margin-top: 28px; margin-bottom: 12px; }
.content-main ul, .content-main ol {
  margin: 16px 0;
  padding-left: 24px;
}
.content-main ul { list-style: disc; }
.content-main ol { list-style: decimal; }
.content-main li { margin-bottom: 8px; color: var(--gray-600); }

/* Sidebar */
.sidebar-card {
  background: var(--gray-100);
  border-radius: 8px;
  padding: 28px;
  margin-bottom: 24px;
}
.sidebar-card h4 { margin-bottom: 16px; color: var(--black); }

.sidebar-card--dark {
  background: var(--gray-900);
  color: var(--white);
}
.sidebar-card--dark h4 { color: var(--accent-on-dark); }
.sidebar-card--dark ul li a { color: var(--gray-300); }
.sidebar-card--dark ul li a:hover { color: var(--accent-on-dark); }

.sidebar-card--cta {
  background: var(--black);
  text-align: center;
  color: var(--white);
}
.sidebar-card--cta h4 { color: var(--white); }
.sidebar-card--cta p { font-size: 0.9rem; color: var(--gray-300); margin-bottom: 16px; }

.sidebar-card ul li { padding: 8px 0; border-bottom: 1px solid var(--gray-200); font-size: 0.9rem; }
.sidebar-card ul li:last-child { border-bottom: none; }
.sidebar-card--dark ul li { border-color: var(--gray-700); }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; margin: 24px 0; }
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}
table thead { background: var(--black); color: var(--white); }
table th { padding: 14px 16px; text-align: left; font-weight: 700; text-transform: uppercase; font-size: 0.8rem; letter-spacing: 1px; }
table td { padding: 14px 16px; border-bottom: 1px solid var(--gray-200); }
table tbody tr:hover { background: var(--yellow-light); }

/* ---------- Forms ---------- */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  margin-bottom: 6px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--gray-700);
}
.form-group label .required { color: var(--danger); }

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: 4px;
  font-size: 0.95rem;
  transition: border-color var(--transition);
  background: var(--white);
}
.form-control:focus { outline: none; border-color: var(--yellow); }
.form-control.error { border-color: var(--danger); }

.form-error {
  font-size: 0.82rem;
  color: var(--danger);
  margin-top: 4px;
  display: none;
}
.form-group.has-error .form-error { display: block; }

textarea.form-control { min-height: 120px; resize: vertical; }

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-success {
  display: none;
  background: var(--success);
  color: var(--white);
  padding: 20px;
  border-radius: 8px;
  text-align: center;
  font-weight: 600;
}

/* ---------- Accordion / FAQ ---------- */
.accordion { margin: 24px 0; }
.accordion__item { border-bottom: 1px solid var(--gray-200); }
.accordion__btn {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--black);
  text-align: left;
}
.accordion__btn .icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--yellow);
  color: var(--white);
  border-radius: 50%;
  font-size: 1.2rem;
  transition: transform var(--transition);
}
.accordion__item.open .accordion__btn .icon { transform: rotate(45deg); }
.accordion__panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.accordion__panel-inner { padding: 0 0 20px; color: var(--gray-600); font-size: 0.95rem; line-height: 1.7; }

/* ---------- Tags / Filters ---------- */
.filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 32px;
}
.filter-btn {
  padding: 8px 20px;
  border: 2px solid var(--gray-200);
  background: var(--white);
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
}
.filter-btn:hover, .filter-btn.active {
  background: var(--yellow);
  border-color: var(--yellow);
  color: var(--white);
}

/* ---------- Blog Cards ---------- */
.blog-card {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 0;
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0,0,0,0.08);
  margin-bottom: 24px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(0,0,0,0.14); }
.blog-card__img {
  background-size: cover;
  background-position: center;
  min-height: 200px;
}
.blog-card__body { padding: 28px; }
.blog-card__meta {
  font-size: 0.82rem;
  color: var(--gray-400);
  margin-bottom: 8px;
  display: flex;
  gap: 16px;
}
.blog-card__body h3 { margin-bottom: 8px; }
.blog-card__body h3 a:hover { color: var(--yellow-dark); }
.blog-card__body p { font-size: 0.92rem; color: var(--gray-500); }

/* ---------- Encyclopedia Grid ---------- */
.encyclopedia-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}
.encyclopedia-card {
  padding: 28px;
  border: 2px solid var(--gray-100);
  border-radius: 8px;
  transition: border-color var(--transition), transform var(--transition);
}
.encyclopedia-card:hover { border-color: var(--yellow); transform: translateY(-4px); }
.encyclopedia-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.encyclopedia-card h3 a:hover { color: var(--yellow-dark); }
.encyclopedia-card p { font-size: 0.88rem; color: var(--gray-500); }
.encyclopedia-card__tag { margin-top: 12px; }

/* ---------- State Tabs ---------- */
.state-tabs { margin: 32px 0; }
.state-tabs__nav {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  margin-bottom: 20px;
}
.state-tab-btn {
  padding: 8px 16px;
  background: var(--gray-100);
  border: none;
  border-radius: 4px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
}
.state-tab-btn:hover { background: var(--gray-200); }
.state-tab-btn.active { background: var(--yellow); color: var(--white); }

.state-tab-panel { display: none; }
.state-tab-panel.active { display: block; }

/* ---------- Team Grid ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 32px;
}
.team-card { text-align: center; }
.team-card__photo {
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: var(--gray-200);
  background-size: cover;
  background-position: center;
  margin: 0 auto 16px;
  border: 4px solid var(--yellow);
  overflow: hidden;
}
.team-card h4 { margin-bottom: 4px; }
.team-card p { font-size: 0.88rem; color: var(--gray-500); }

/* ---------- Contact Map ---------- */
.contact-map { border-radius: 8px; overflow: hidden; }
.contact-map iframe { width: 100%; height: 350px; border: 0; }

/* ---------- 404 Page ---------- */
.page-404 {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  margin-top: var(--header-height);
}
.page-404 h1 { font-size: clamp(5rem, 12vw, 10rem); color: var(--yellow); margin-bottom: 0; }
.page-404 p { font-size: 1.2rem; margin-bottom: 24px; }

/* ---------- Skip to content (A11y) ---------- */
.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  background: var(--yellow);
  color: var(--white);
  padding: 12px 24px;
  font-weight: 700;
  z-index: 9999;
  border-radius: 0 0 6px 6px;
}
.skip-link:focus { top: 0; }

/* ---------- Search Overlay ---------- */
.search-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.92);
  z-index: 2000;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 15vh;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition), visibility var(--transition);
}
.search-overlay.open { opacity: 1; visibility: visible; }
.search-overlay__inner { width: 100%; max-width: 640px; padding: 0 24px; }
.search-overlay input {
  width: 100%;
  padding: 20px 24px;
  border: none;
  border-bottom: 3px solid var(--yellow);
  background: transparent;
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 1.8rem;
  outline: none;
}
.search-overlay input::placeholder { color: var(--gray-500); }
.search-overlay__results {
  margin-top: 24px;
  max-height: 40vh;
  overflow-y: auto;
}
.search-overlay__results a {
  display: block;
  padding: 14px 24px;
  color: var(--gray-300);
  font-size: 1rem;
  border-radius: 6px;
  transition: background var(--transition), color var(--transition);
}
.search-overlay__results a:hover { background: rgba(25,118,210,0.15); color: var(--accent-on-dark); }
.search-overlay__close {
  position: absolute;
  top: 32px;
  right: 32px;
  background: none;
  border: none;
  color: var(--white);
  font-size: 2rem;
  cursor: pointer;
}

/* ---------- Typeahead ---------- */
.typeahead-wrap { position: relative; }
.typeahead-results {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--white);
  border: 2px solid var(--yellow);
  border-top: none;
  border-radius: 0 0 6px 6px;
  max-height: 260px;
  overflow-y: auto;
  display: none;
  z-index: 50;
}
.typeahead-results.show { display: block; }
.typeahead-results a,
.typeahead-results .typeahead-option {
  display: block;
  padding: 10px 16px;
  font-size: 0.9rem;
  color: var(--gray-700);
  transition: background var(--transition);
  cursor: pointer;
}
.typeahead-results a:hover,
.typeahead-results .typeahead-option:hover { background: var(--yellow-light); }

/* ---------- Bond Selection Chip ---------- */
.bond-chip {
  display: none;
  background: var(--white);
  color: var(--black);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
  animation: chipIn 0.3s ease;
}
@keyframes chipIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

/* State dropdown highlight after bond selection */
.bond-finder select.highlight-next {
  border-color: var(--white);
  box-shadow: 0 0 0 3px rgba(255,255,255,0.4);
  animation: pulseHighlight 1.5s ease 2;
}
@keyframes pulseHighlight {
  0%, 100% { box-shadow: 0 0 0 3px rgba(255,255,255,0.2); }
  50% { box-shadow: 0 0 0 6px rgba(255,255,255,0.5); }
}

/* ---------- Bond Info Card (Contact Page) ---------- */
#bond-info-card {
  background: linear-gradient(135deg, var(--black), #1e3a5f);
  color: var(--white);
  padding: 28px 32px;
  border-radius: 10px;
  margin-bottom: 28px;
}
#bond-info-card h3 {
  color: var(--yellow);
  font-size: 1.3rem;
  margin-bottom: 8px;
}
#bond-info-card p {
  color: var(--gray-300);
  margin-bottom: 14px;
  line-height: 1.6;
}
.bond-info-card__qual {
  background: rgba(255,255,255,0.08);
  padding: 14px 18px;
  border-radius: 6px;
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--gray-300);
  margin-bottom: 14px;
}
.bond-info-card__qual strong {
  color: var(--white);
}
.bond-info-card__link {
  display: inline-block;
  color: var(--yellow);
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
}
.bond-info-card__link:hover {
  text-decoration: underline;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width: 1024px) {
  .header__cta { display: inline-flex; }
}

@media (max-width: 1023px) {
  .nav { display: none; }
  .menu-toggle { display: flex; }

  /* Mobile nav */
  .nav.mobile-open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--gray-900);
    padding: 24px;
    overflow-y: auto;
    z-index: 999;
    gap: 0;
  }
  .nav.mobile-open .nav__item { width: 100%; }
  .nav.mobile-open .nav__link {
    padding: 14px 0;
    font-size: 1.1rem;
    border-bottom: 1px solid var(--gray-700);
  }
  .nav.mobile-open .nav__dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: var(--gray-800);
    border-top: none;
    box-shadow: none;
    border-radius: 0;
    display: none;
  }
  .nav.mobile-open .nav__item.mobile-expand .nav__dropdown { display: block; }
  .nav.mobile-open .nav__dropdown a { color: var(--gray-300); padding: 10px 20px; }
  .nav.mobile-open .nav__mega { display: flex; flex-direction: column; padding: 8px; min-width: auto; }
  .nav.mobile-open .nav__mega-heading { display: none; }
}

@media (max-width: 768px) {
  .header__logo .logo-pillar svg { width: 28px; height: 34px; }
  .header__logo .logo-wordmark .logo-surety { font-size: 1rem; }
  .header__logo .logo-wordmark .logo-specialist { font-size: 0.6rem; }
  .section { padding: 50px 0; }
  .hero { min-height: 480px; }
  .hero__content { padding: 40px 0; }
  .hero__btns { flex-direction: column; }
  .hero__btns .btn { width: 100%; justify-content: center; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .info-hub__grid { grid-template-columns: 1fr; }
  .content-layout { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .blog-card { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .bond-finder__inner { flex-direction: column; align-items: stretch; }
  .bond-finder select,
  .bond-finder input[type="text"] { min-width: auto; }
}

@media (max-width: 480px) {
  .stats__grid { grid-template-columns: 1fr 1fr; gap: 16px; }
  .stats__item strong { font-size: 2rem; }
  .footer__grid { grid-template-columns: 1fr; }
  .cards-grid { grid-template-columns: 1fr; }
}

/* ---------- Print ---------- */
@media print {
  .header, .footer, .btn, .cta-banner, .bond-finder { display: none; }
  body { color: #000; }
  .hero { min-height: auto; background: none; margin-top: 0; }
  .hero__content h1 { color: #000; }
}

/* ---------- Animations ---------- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
.animate-on-scroll {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 1.8s ease-out, transform 1.8s ease-out;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Loading shimmer for lazy images — single cycle placeholder */
.lazy-img {
  background-color: var(--gray-100);
}
.card__img {
  transition: transform 1s ease;
}
.card:hover .card__img {
  transform: scale(1.04);
}