/* Motive Insurance Agency — shared styles */
:root{
  --navy:#0f1b2d; --navy2:#16253d; --navy3:#1f3150;
  --gold:#b8852d; --gold2:#d49b3f; --gold-soft:rgba(184,133,45,.12);
  --text:#1a2438; --mid:#4a5568; --gray:#6b7587;
  --bg:#ffffff; --bg-alt:#f6f7fa; --warm:#faf7f1;
  --border:rgba(26,36,56,.10); --border-gold:rgba(184,133,45,.28);
  --radius:10px; --shadow:0 10px 30px rgba(15,27,45,.08);
  --head:"Barlow Condensed",sans-serif; --body:Inter,system-ui,-apple-system,sans-serif;
  --wrap:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--text);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:var(--head);line-height:1.1;font-weight:700;letter-spacing:.2px}
h1{font-size:clamp(2.4rem,5vw,4rem)}
h2{font-size:clamp(2rem,3.6vw,2.8rem)}
h3{font-size:1.45rem}
h4{font-size:1.15rem}
em.g,.g{color:var(--gold);font-style:italic}
p{color:var(--mid)}
.eyebrow{display:inline-block;font-family:var(--head);font-weight:600;letter-spacing:2.5px;text-transform:uppercase;font-size:.9rem;color:var(--gold);margin-bottom:10px}
.lead{font-size:1.12rem;color:var(--mid);max-width:720px}
.center{text-align:center}.center .lead{margin:0 auto}
.sec{padding:84px 0}
.sec.alt{background:var(--bg-alt)}
.sec.warm{background:var(--warm)}
.sec-head{margin-bottom:44px}
.icon{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:6px;font-weight:600;font-size:.97rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:var(--body)}
.btn .icon{width:18px;height:18px}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold2)}
.btn-line{border-color:rgba(255,255,255,.4);color:#fff}
.btn-line:hover{border-color:var(--gold2);color:var(--gold2)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy3)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}

/* Top bar */
.topbar{background:var(--navy);color:#c7cfdc;font-size:.84rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px}
.topbar a{text-decoration:none;color:#fff}
.topbar a:hover{color:var(--gold2)}
.topbar .tb-left,.topbar .tb-right{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar .icon{width:15px;height:15px;color:var(--gold2)}
.tb-item{display:inline-flex;align-items:center;gap:7px}

/* Header / Nav */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 2px 14px rgba(15,27,45,.05)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.logo{display:flex;flex-direction:column;text-decoration:none;line-height:1}
.logo b{font-family:var(--head);font-weight:800;font-size:1.9rem;letter-spacing:3px;color:var(--navy);font-style:italic}
.logo b span{color:var(--gold)}
.logo small{font-family:var(--head);font-size:.72rem;letter-spacing:4px;color:var(--gray);margin-top:3px;font-weight:600}
.nav{display:flex;align-items:center;gap:4px}
.nav>li{list-style:none;position:relative}
.nav>li>a,.nav>li>button{display:flex;align-items:center;gap:4px;padding:10px 12px;text-decoration:none;font-weight:600;font-size:.93rem;color:var(--text);background:none;border:0;cursor:pointer;font-family:var(--body);border-radius:6px}
.nav>li>a:hover,.nav>li>button:hover,.nav>li.active>a,.nav>li.active>button{color:var(--gold)}
.nav .icon{width:15px;height:15px}
.dropdown{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.nav>li:hover .dropdown,.nav>li:focus-within .dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:9px 12px;border-radius:6px;text-decoration:none;font-size:.92rem;color:var(--text)}
.dropdown a:hover{background:var(--gold-soft);color:var(--gold)}
.dropdown .dd-head{font-weight:700;border-bottom:1px solid var(--border);margin-bottom:6px;padding-bottom:10px;border-radius:6px 6px 0 0}
.dropdown.two{min-width:480px;display:grid;grid-template-columns:1fr 1fr;gap:0 6px}
.dropdown.two .dd-head{grid-column:1/-1}
.nav .nav-cta{margin-left:8px}
.nav .nav-cta a{background:var(--gold);color:#fff!important;padding:11px 20px}
.nav .nav-cta a:hover{background:var(--gold2)}
.menu-btn{display:none;background:none;border:0;cursor:pointer;color:var(--navy);padding:8px}
.menu-btn .icon{width:28px;height:28px}

/* Home hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(212,155,63,.20),transparent 60%),linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,var(--navy3) 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(115deg,rgba(255,255,255,.025) 0 2px,transparent 2px 60px);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center;padding-top:88px;padding-bottom:96px}
.hero h1{color:#fff;text-transform:uppercase}
.hero h1 em{color:var(--gold2)}
.hero p{color:#c7cfdc;font-size:1.15rem;margin-top:18px;max-width:600px}
.hero .eyebrow{color:var(--gold2)}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:28px;backdrop-filter:blur(6px)}
.hero-card h3{color:#fff;margin-bottom:14px}
.hero-card a{display:flex;align-items:center;gap:14px;padding:14px;border-radius:8px;text-decoration:none;color:#fff;border:1px solid transparent;transition:.15s}
.hero-card a:hover{background:rgba(255,255,255,.07);border-color:rgba(212,155,63,.5)}
.hero-card a .icon{color:var(--gold2);width:28px;height:28px}
.hero-card a span{display:block;font-weight:600}
.hero-card a small{display:block;color:#aab4c4;font-size:.84rem}

/* Stats */
.stats{background:var(--navy2);color:#fff;border-top:1px solid rgba(255,255,255,.08)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:26px 20px;border-right:1px solid rgba(255,255,255,.08)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--head);font-size:2.3rem;color:var(--gold2);line-height:1}
.stat span{display:block;font-weight:600;margin-top:4px}
.stat small{color:#aab4c4;font-size:.84rem}

/* Ticker */
.ticker{background:var(--gold);color:#fff;overflow:hidden;white-space:nowrap;font-family:var(--head);font-weight:600;letter-spacing:1.5px;text-transform:uppercase}
.ticker-track{display:inline-block;padding:12px 0;animation:tick 40s linear infinite}
.ticker-track span{margin:0 18px}
@keyframes tick{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker-track{animation:none}}

/* Cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:.2s;position:relative}
.card:hover{border-color:var(--border-gold);box-shadow:var(--shadow)}
.card .ic{width:52px;height:52px;border-radius:10px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;margin-bottom:18px}
.card .ic .icon{width:26px;height:26px}
.card h3{margin-bottom:8px}
.card p{font-size:.96rem}
.card a.more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;color:var(--gold);font-weight:600;text-decoration:none;font-size:.93rem}
.card a.more .icon{width:16px;height:16px}
a.card{text-decoration:none;display:block}
.card-num{position:absolute;top:22px;right:24px;font-family:var(--head);font-weight:700;color:rgba(26,36,56,.12);font-size:2rem}

/* Line-of-business cards */
.lob{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);border-radius:14px;overflow:hidden;transition:.2s}
.lob:hover{box-shadow:var(--shadow);border-color:var(--border-gold)}
.lob-top{background:linear-gradient(135deg,var(--navy),var(--navy3));color:#fff;padding:26px}
.lob-top .icon{width:34px;height:34px;color:var(--gold2);margin-bottom:12px}
.lob-top h3{color:#fff;font-size:1.6rem}
.lob-top p{color:#c7cfdc;font-size:.93rem;margin-top:6px}
.lob ul{list-style:none;padding:18px 26px;flex:1}
.lob li a{display:flex;align-items:center;gap:8px;padding:7px 0;text-decoration:none;font-size:.94rem;border-bottom:1px dashed var(--border)}
.lob li:last-child a{border-bottom:0}
.lob li a:hover{color:var(--gold)}
.lob li .icon{width:15px;height:15px;color:var(--gold)}
.lob .lob-cta{padding:0 26px 24px}
.lob .lob-cta a{display:flex;justify-content:center;width:100%}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checks{list-style:none;margin-top:20px}
.checks li{display:flex;gap:12px;padding:8px 0;color:var(--mid)}
.checks li .icon{color:var(--gold);width:20px;height:20px;margin-top:3px}
.checks li b{color:var(--text)}
.panel{background:var(--navy);color:#fff;border-radius:14px;padding:36px}
.panel h3{color:#fff;margin-bottom:12px}
.panel p{color:#c7cfdc}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--head);font-weight:800;font-size:2.8rem;color:var(--gold);line-height:1;display:block;margin-bottom:12px}
.step h3{margin-bottom:8px}

/* States */
.states-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px}
.state{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px 16px;font-weight:600}
.state abbr{font-family:var(--head);font-weight:700;text-decoration:none;background:var(--navy);color:var(--gold2);border-radius:6px;width:40px;height:34px;display:grid;place-items:center;font-size:1.05rem;flex:none}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chip{font-family:var(--head);font-weight:700;letter-spacing:1px;padding:8px 14px;border-radius:6px;background:#fff;border:1px solid var(--border-gold);color:var(--navy);text-decoration:none;font-size:1.05rem}
.chip:hover{background:var(--gold);color:#fff}

/* Quote block */
.quote{background:var(--warm);border-left:4px solid var(--gold);padding:28px 32px;border-radius:0 var(--radius) var(--radius) 0;font-size:1.15rem;color:var(--text);font-style:italic}
.quote cite{display:block;margin-top:12px;font-style:normal;font-weight:600;color:var(--gold);font-size:.95rem}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy3));color:#fff;padding:64px 0}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff}
.cta-band p{color:#c7cfdc;margin-top:6px}
.cta-band .btn-row{margin-top:0}

/* Page hero (interior) */
.page-hero{background:radial-gradient(900px 400px at 90% -20%,rgba(212,155,63,.18),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:56px 0 64px}
.crumbs{font-size:.85rem;color:#aab4c4;margin-bottom:18px}
.crumbs a{color:#aab4c4;text-decoration:none}
.crumbs a:hover{color:var(--gold2)}
.crumbs span{margin:0 6px;opacity:.6}
.page-hero h1{color:#fff;text-transform:uppercase;max-width:900px}
.page-hero h1 em{color:var(--gold2)}
.page-hero p.lead{color:#c7cfdc;margin-top:16px}
.page-hero .eyebrow{color:var(--gold2)}

/* Article layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.article>section{margin-bottom:48px}
.article h2{font-size:2rem;margin-bottom:14px}
.article p+p{margin-top:14px}
.cov-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.cov-item{border:1px solid var(--border);border-radius:8px;padding:18px;background:#fff}
.cov-item h4{display:flex;gap:8px;align-items:center;margin-bottom:6px}
.cov-item h4 .icon{width:18px;height:18px;color:var(--gold)}
.cov-item p{font-size:.93rem}
.callout{background:var(--gold-soft);border:1px solid var(--border-gold);border-radius:var(--radius);padding:22px 24px;margin-top:20px}
.callout b{color:var(--text)}
.callout p{color:var(--text)}
.table{width:100%;border-collapse:collapse;margin-top:16px;font-size:.95rem}
.table th,.table td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--border);vertical-align:top}
.table th{background:var(--navy);color:#fff;font-family:var(--head);font-size:1.05rem;letter-spacing:.5px}
.table td{color:var(--mid)}
.table td:first-child{font-weight:600;color:var(--text)}
.table-wrap{overflow-x:auto}

.sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:20px}
.side-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.side-card.dark{background:var(--navy);color:#fff;border:0}
.side-card.dark h3{color:#fff}
.side-card.dark p{color:#c7cfdc;font-size:.95rem;margin:8px 0 16px}
.side-card.dark .btn{width:100%;justify-content:center}
.side-card.dark .side-phone{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;color:#fff;text-decoration:none;font-weight:600}
.side-card.dark .side-phone .icon{width:18px;height:18px;color:var(--gold2)}
.side-card h4{margin-bottom:10px}
.side-card ul{list-style:none}
.side-card li a{display:flex;justify-content:space-between;align-items:center;padding:9px 0;text-decoration:none;border-bottom:1px solid var(--border);font-size:.93rem}
.side-card li:last-child a{border-bottom:0}
.side-card li a:hover,.side-card li a.on{color:var(--gold)}
.side-card li .icon{width:15px;height:15px}

/* FAQ */
.faq details{border:1px solid var(--border);border-radius:8px;background:#fff;margin-bottom:10px}
.faq summary{cursor:pointer;padding:18px 20px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--gold);font-weight:400;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 20px 18px;color:var(--mid)}
.faq details>div p+p{margin-top:10px}

/* Forms */
.form-box{background:#fff;border:1px solid var(--border);border-radius:14px;padding:34px;box-shadow:var(--shadow)}
.form-box h3{margin-bottom:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.form-grid .full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px;color:var(--text)}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid rgba(26,36,56,.18);border-radius:6px;font:inherit;font-size:.95rem;color:var(--text);background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold2);outline-offset:1px;border-color:var(--gold)}
textarea{min-height:110px;resize:vertical}
.checks-in{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.checks-in label{display:flex;gap:8px;align-items:center;font-weight:500;margin:0}
.checks-in input{width:auto}
.hidden{display:none}
.form-note{font-size:.8rem;color:var(--gray);margin-top:12px}
.contact-list{list-style:none;display:grid;gap:18px}
.contact-list li{display:flex;gap:14px}
.contact-list .ic{width:44px;height:44px;border-radius:8px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;flex:none}
.contact-list b{display:block}
.contact-list a{text-decoration:none}
.contact-list a:hover{color:var(--gold)}
.contact-list span{color:var(--mid);font-size:.95rem}

/* Reviews */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px}
.review .stars{color:var(--gold);letter-spacing:2px;font-size:1.1rem}
.review p{margin:10px 0 14px;color:var(--text)}
.review b{display:block}
.review small{color:var(--gray)}
.empty-reviews{grid-column:1/-1;text-align:center;padding:30px;border:1px dashed var(--border-gold);border-radius:var(--radius);color:var(--mid)}
.star-input{display:flex;gap:4px;flex-direction:row-reverse;justify-content:flex-end}
.star-input input{display:none}
.star-input label{font-size:1.8rem;color:#cfd5de;cursor:pointer;margin:0}
.star-input input:checked~label,.star-input label:hover,.star-input label:hover~label{color:var(--gold)}

/* Footer */
.site-footer{background:var(--navy);color:#aab4c4;padding:70px 0 0;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.2fr;gap:36px}
.site-footer h4{color:#fff;margin-bottom:14px;letter-spacing:1px;text-transform:uppercase;font-size:1rem}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.site-footer a{text-decoration:none;color:#aab4c4}
.site-footer a:hover{color:var(--gold2)}
.site-footer .logo b{color:#fff}
.site-footer .logo small{color:#8793a6}
.foot-about p{color:#aab4c4;margin-top:14px}
.foot-contact li{display:flex;gap:10px}
.foot-contact .icon{width:17px;height:17px;color:var(--gold2);margin-top:3px}
.foot-states{margin-top:40px;padding:22px 0;border-top:1px solid rgba(255,255,255,.08);font-size:.86rem}
.foot-states b{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.08);padding:22px 0;font-size:.76rem;line-height:1.6;color:#7f8a9c}
.copyright{border-top:1px solid rgba(255,255,255,.08);padding:18px 0;font-size:.82rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* Mobile */
@media (max-width:1080px){
  .menu-btn{display:block}
  .nav{position:fixed;top:0;right:0;bottom:0;width:min(360px,88vw);background:#fff;flex-direction:column;align-items:stretch;padding:80px 18px 30px;overflow-y:auto;transform:translateX(100%);transition:.25s;box-shadow:-10px 0 30px rgba(0,0,0,.15);gap:0}
  body.nav-open .nav{transform:none}
  body.nav-open::after{content:"";position:fixed;inset:0;background:rgba(15,27,45,.45);z-index:40}
  .site-header{z-index:60}
  .nav>li>a,.nav>li>button{padding:14px 8px;width:100%;justify-content:space-between;font-size:1rem;border-bottom:1px solid var(--border);border-radius:0}
  .dropdown,.dropdown.two{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;min-width:0;display:none;padding:4px 0 10px 10px;grid-template-columns:1fr}
  .nav>li.open .dropdown{display:block}
  .nav>li:hover .dropdown{display:none}.nav>li.open:hover .dropdown{display:block}
  .nav .nav-cta{margin:18px 0 0}
  .nav .nav-cta a{justify-content:center}
  .menu-close{position:absolute;top:18px;right:18px}
  .hero .wrap,.split,.layout{grid-template-columns:1fr}
  .sidebar{position:static}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-about{grid-column:1/-1}
  .g4{grid-template-columns:repeat(2,1fr)}
}
@media (min-width:1081px){.menu-close{display:none}}
@media (max-width:760px){
  .sec{padding:60px 0}
  .topbar .tb-right{display:none}
  .topbar .tb-left{gap:14px}
  .stats .wrap{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .stat{border-bottom:1px solid rgba(255,255,255,.08)}
  .g2,.g3,.g4,.steps,.reviews,.cov-list,.form-grid,.checks-in{grid-template-columns:1fr}
  .form-box{padding:24px}
  .hero .wrap{padding-top:56px;padding-bottom:64px}
  .foot-grid{grid-template-columns:1fr}
  .dropdown.two{min-width:0}
}

/* fixes */
.nav>li>a,.nav>li>button,.logo small,.btn{white-space:nowrap}
.panel .step{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.panel .step h3{color:#fff}
.panel .step p{color:#c7cfdc}
.panel .step::before{font-size:2rem;margin-bottom:6px}
.lob .lob-cta .btn{padding:12px 16px}
@media (max-width:1240px) and (min-width:1081px){.nav>li>a,.nav>li>button{padding:10px 8px;font-size:.88rem}.nav .nav-cta a{padding:11px 14px}}
@media (max-width:1080px){.nav>li>a,.nav>li>button{white-space:normal}}
@media (max-width:1080px){.nav{box-shadow:none;visibility:hidden}body.nav-open .nav{box-shadow:-10px 0 30px rgba(0,0,0,.15);visibility:visible}}
@media (max-width:760px){.stat b{font-size:1.8rem}}
[id]{scroll-margin-top:100px}
.topbar .tb-review{background:var(--gold);color:#fff;padding:4px 12px;border-radius:4px;font-weight:600}
.topbar .tb-review .icon{color:#fff}
.topbar .tb-review:hover{background:var(--gold2);color:#fff}
@media (max-width:760px){.topbar .tb-email{display:none}.topbar .tb-left{justify-content:space-between;width:100%}}