/* Citizens Insurance Agency - site styles (Mediajaw) */
@font-face{font-family:"Lora";src:url("../fonts/lora-700.woff2") format("woff2");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Lora";src:url("../fonts/lora-400.woff2") format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Lora";src:url("../fonts/lora-400i.woff2") format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Instrument Sans";src:url("../fonts/isans-400.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Instrument Sans";src:url("../fonts/isans-700.woff2") format("woff2");font-weight:700;font-display:swap}

:root{
  --navy:#062d50;--deep:#041e36;--red:#ad0d12;--red-dk:#8d0a0e;--ink:#172536;--muted:#56657a;
  --cream:#f6f3ee;--sky:#eef3f8;--light:#f7f8fa;--line:#d9dee4;--gold:#e2a52b;
  --serif:"Lora",Georgia,"Times New Roman",serif;--sans:"Instrument Sans",Arial,Helvetica,sans-serif;
  --shadow:0 10px 30px rgba(6,45,80,.09);--radius:6px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--sans);font-size:17px;color:var(--ink);line-height:1.62;background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
main a:not(.btn):not(.learn):not(.card-link):not(.office-tile){text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--red);color:#fff;padding:10px 16px;z-index:3000}
.skip:focus{left:12px;top:12px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.15;font-weight:700}

/* ---------- top bar + header ---------- */
.topbar{background:var(--deep);color:#d7e2ec;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:40px}
.topbar ul{display:flex;gap:22px;list-style:none;margin:0;padding:0}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{color:#ffd9da}
.topbar b{color:#9fb6cb;font-weight:400;margin-right:6px}
.site-header{position:sticky;top:0;z-index:900;background:#fff;box-shadow:0 1px 0 var(--line)}
.head{display:flex;align-items:center;justify-content:space-between;gap:24px;height:96px}
.logo{flex:0 0 auto;display:block}
.logo img{width:290px;height:auto}
.nav{display:flex;align-items:center;gap:6px;font-weight:700;font-size:15px}
.nav>a,.drop-btn{color:var(--navy);text-decoration:none;padding:10px 12px;border-radius:4px;background:none;border:0;font:inherit;cursor:pointer;display:inline-flex;align-items:center;gap:7px}
.nav>a:hover,.drop-btn:hover,.nav>a[aria-current="page"],.drop.current>.drop-btn{color:var(--red)}
.drop{position:relative}
.drop-btn::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dropmenu{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border-top:3px solid var(--red);box-shadow:0 18px 40px rgba(4,30,54,.18);padding:8px 0;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s ease}
.drop:hover .dropmenu,.drop.open .dropmenu{opacity:1;visibility:visible;transform:none}
.dropmenu a{display:block;padding:10px 20px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px}
.dropmenu a:hover,.dropmenu a[aria-current="page"]{background:var(--sky);color:var(--red)}
.nav .quote{background:var(--red);color:#fff;padding:12px 20px;margin-left:8px;border-radius:4px;letter-spacing:.3px}
.nav .quote:hover{background:var(--red-dk);color:#fff}
.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:4px;padding:11px 14px;font:700 15px var(--sans);cursor:pointer;align-items:center;gap:10px}
.menu-btn .bars{width:20px;height:2px;background:#fff;position:relative;display:inline-block}
.menu-btn .bars::before,.menu-btn .bars::after{content:"";position:absolute;left:0;width:20px;height:2px;background:#fff}
.menu-btn .bars::before{top:-6px}.menu-btn .bars::after{top:6px}

/* mobile nav: a sibling of the header, fixed on top of everything */
.mnav{position:fixed;inset:0;z-index:2000;background:var(--deep);color:#fff;overflow-y:auto;padding:18px 22px 40px}
.mnav[hidden]{display:none}
.mnav-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.mnav-top img{width:200px}
.mnav-close{background:#fff;color:var(--navy);border:0;border-radius:4px;padding:10px 14px;font:700 15px var(--sans);cursor:pointer}
.mnav a{color:#fff;text-decoration:none}
.mnav .m-main a{display:block;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.14);font:700 21px var(--serif)}
.mnav .m-group{margin-top:22px}
.mnav .m-group p{margin:0 0 6px;color:#9fb6cb;font-size:12.5px;letter-spacing:1.4px;text-transform:uppercase;font-weight:700}
.mnav .m-group a{display:block;padding:9px 0;font-weight:700}
.mnav .m-calls a{display:flex;justify-content:space-between;padding:12px 14px;margin-bottom:8px;background:rgba(255,255,255,.08);border-radius:4px}
.mnav .btn{display:block;text-align:center;margin-top:22px}
body.menu-open{overflow:hidden}

/* ---------- buttons ---------- */
.btn{display:inline-block;padding:14px 24px;background:var(--red);color:#fff;font:700 14px var(--sans);letter-spacing:.5px;text-transform:uppercase;text-decoration:none;border:2px solid var(--red);border-radius:4px;margin:0 10px 10px 0;transition:background .15s,transform .15s}
.btn:hover{background:var(--red-dk);border-color:var(--red-dk);transform:translateY(-1px)}
.btn.alt{background:transparent;border-color:#fff;color:#fff}
.btn.alt:hover{background:#fff;color:var(--navy)}
.btn.white{background:#fff;color:var(--navy);border-color:#fff}
.btn.white:hover{background:var(--cream)}
.btn.navy{background:var(--navy);border-color:var(--navy)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.learn{color:var(--red);font-weight:700;font-size:14px;letter-spacing:.4px;text-transform:uppercase;text-decoration:none}
.learn:hover{text-decoration:underline}

/* ---------- ridge motif ---------- */
.ridge{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:90px;display:block;pointer-events:none}
.ridge.top{top:-1px;bottom:auto;transform:scaleY(-1)}

/* ---------- home hero ---------- */
.hero{position:relative;isolation:isolate;color:#fff;background:var(--navy);overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-2;background:var(--navy) center 60%/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(4,30,54,.92) 0%,rgba(6,45,80,.78) 45%,rgba(6,45,80,.25) 100%)}
.hero .wrap{padding-top:110px;padding-bottom:170px}
.hero .eyebrow{color:#fff;opacity:.92}
.hero .eyebrow::before{background:#fff}
.hero h1{color:#fff;font-size:clamp(42px,6.2vw,76px);margin:14px 0 18px;max-width:780px;letter-spacing:-.5px}
.hero h1 em{font-style:italic;font-weight:400;color:#ffd5d6}
.hero p{font-size:clamp(18px,2vw,22px);max-width:620px;margin:0 0 30px;color:#e6eef5}

/* office tiles that overlap the hero */
.office-strip{position:relative;z-index:2;margin-top:-110px}
.office-tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.office-tile{background:#fff;border-radius:var(--radius);box-shadow:0 18px 40px rgba(4,30,54,.16);padding:22px 22px 20px;border-top:4px solid var(--red);text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:4px;transition:transform .18s,box-shadow .18s}
.office-tile:hover{transform:translateY(-3px);box-shadow:0 24px 48px rgba(4,30,54,.2)}
.office-tile .town{font:700 22px var(--serif);color:var(--navy)}
.office-tile .addr{font-size:14.5px;color:var(--muted)}
.office-tile .tel{font-weight:700;color:var(--red);font-size:18px;margin-top:6px}
.office-tile .more{font-size:13px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--navy);margin-top:auto;padding-top:10px}
.office-tile .tel a{color:inherit;text-decoration:none}

/* ---------- generic sections ---------- */
.section{padding:84px 0;position:relative}
.section.gray{background:var(--light)}
.section.cream{background:var(--cream)}
.section.sky{background:var(--sky)}
.eyebrow{display:inline-flex;align-items:center;gap:10px;color:var(--red);font-weight:700;letter-spacing:1.6px;font-size:12.5px;text-transform:uppercase}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--red)}
.eyebrow.light{color:#fff}.eyebrow.light::before{background:#fff}
.section h2,.content h2{font-size:clamp(30px,3.6vw,44px);margin:10px 0 18px}
.section-head{max-width:760px;margin-bottom:38px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head.center .eyebrow{justify-content:center}
.lead{font-size:19.5px;color:#2a3a4d}
.split{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:60px;align-items:center}
.photo{min-height:400px;background:var(--sky) center/cover;border-radius:var(--radius);box-shadow:var(--shadow);position:relative}
.photo::after{content:"";position:absolute;left:-14px;bottom:-14px;width:46%;height:46%;border-left:4px solid var(--red);border-bottom:4px solid var(--red);border-radius:0 0 0 var(--radius);z-index:-1}
.photo-wrap{position:relative;isolation:isolate}

/* coverage cards */
.cov-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.cov{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;display:flex;flex-direction:column;transition:border-color .18s,box-shadow .18s,transform .18s;position:relative}
.cov:hover{border-color:transparent;box-shadow:var(--shadow);transform:translateY(-3px)}
.cov .ico{width:58px;height:58px;border-radius:50%;background:var(--sky);display:grid;place-items:center;margin-bottom:18px}
.cov .ico svg{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cov h3{font-size:24px;margin:0 0 8px}
.cov p{margin:0 0 18px;color:var(--muted);font-size:16px}
.cov .learn{margin-top:auto}
.cov .learn::after{content:"";position:absolute;inset:0}
.also{margin-top:26px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px 28px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.also p{margin:0;color:#e3ebf3}.also strong{color:#fff;font-family:var(--serif);font-size:20px;display:block}
.also .btn{margin:0}

/* advantage band */
.band{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.band h2,.band h3{color:#fff}
.band p{color:#dbe5ee}
.adv-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px;margin-top:10px}
.adv{border-top:2px solid rgba(255,255,255,.25);padding-top:20px}
.adv .num{font:700 44px/1 var(--serif);color:#fff}
.adv .num small{font-size:20px}
.adv h3{font-size:20px;margin:10px 0 6px}
.adv p{margin:0;font-size:15.5px}

/* heritage timeline */
.timeline{list-style:none;margin:0;padding:0;position:relative}
.timeline::before{content:"";position:absolute;left:118px;top:6px;bottom:6px;width:2px;background:var(--line)}
.timeline li{display:grid;grid-template-columns:100px 1fr;gap:50px;padding:0 0 28px;position:relative}
.timeline li::before{content:"";position:absolute;left:112px;top:7px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--red)}
.timeline .yr{font:700 20px var(--serif);color:var(--red);text-align:right;white-space:nowrap}
.timeline h3{margin:0 0 4px;font-size:21px}
.timeline p{margin:0;color:var(--muted)}

/* testimonials teaser */
.quotes{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.quote-card{background:#fff;border-radius:var(--radius);padding:30px;box-shadow:var(--shadow);margin:0;position:relative}
.quote-card::before{content:"\201C";font:700 80px/1 var(--serif);color:var(--red);opacity:.22;position:absolute;top:8px;right:20px}
.quote-card blockquote{margin:12px 0 16px;font:400 italic 21px/1.4 var(--serif);color:var(--navy)}
.quote-card figcaption{font-size:14px;color:var(--muted)}
.stars{color:var(--gold);letter-spacing:3px;font-size:18px}
.stars.large{font-size:24px;margin-bottom:12px}

/* town chips */
.towns{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 26px;padding:0;list-style:none}
.towns li{background:#fff;border:1px solid var(--line);padding:7px 13px;font-size:14px;border-radius:30px;font-weight:700;color:var(--navy)}
.local{background:var(--cream)}

/* CTA band */
.cta{background:var(--red);color:#fff;padding:60px 0;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;right:-60px;top:-60px;width:280px;height:280px;border:40px solid rgba(255,255,255,.07);border-radius:50%}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;position:relative;z-index:1}
.cta h2{color:#fff;margin:6px 0 6px;font-size:clamp(28px,3.2vw,40px)}
.cta p{margin:0;color:#ffe6e6;max-width:640px}
.cta .btn{margin:0}

/* ---------- interior page hero ---------- */
.pagehero{position:relative;isolation:isolate;overflow:hidden;color:#fff;padding:84px 0 128px;background:linear-gradient(100deg,rgba(4,30,54,.95),rgba(6,45,80,.82)),var(--hero-img,none) center/cover no-repeat,var(--navy)}
.pagehero h1{color:#fff;font-size:clamp(36px,5vw,58px);margin:12px 0 16px;max-width:900px}
.pagehero p{font-size:clamp(17px,1.8vw,20px);max-width:800px;color:#e3ebf3}
.pagehero .eyebrow{color:#fff}.pagehero .eyebrow::before{background:#fff}
.crumbs{font-size:13.5px;margin:0 0 6px;color:#b9cadb}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:#7f9ab3}
.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.office-actions{display:flex;flex-wrap:wrap;gap:0;margin-top:24px}

/* ---------- content blocks used by interior pages ---------- */
.content{padding:70px 0}
.content h3{font-size:24px}
.twocol{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);gap:48px}
.aside{background:var(--cream);padding:30px;align-self:start;border-top:4px solid var(--red);border-radius:0 0 var(--radius) var(--radius);position:sticky;top:120px}
.aside h3{margin-top:0}
.card{background:#fff;box-shadow:var(--shadow);border:1px solid #e8e8e8;border-radius:var(--radius);overflow:hidden}
.cardbody{padding:26px}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}

/* FAQ accordions (all pages) */
.faq details,.home-faq details,.office-faq details,.auto-faq details,.life-faq details,.rec-faq details,.faq-list details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;padding:0;transition:box-shadow .15s}
.faq details[open],.faq-list details[open],.home-faq details[open],.office-faq details[open]{box-shadow:var(--shadow);border-color:transparent}
details summary{cursor:pointer;list-style:none;padding:19px 22px;padding-right:58px!important;font-weight:700;color:var(--navy);font-size:17px;position:relative}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--sky);color:var(--red);display:grid;place-items:center;font:700 20px/1 var(--sans)}
details[open] summary::after{content:"\2013"}
details p{padding:0 22px 20px;margin:0}
.faq-group{margin-bottom:46px}
.faq-group h2{font-size:30px;margin:0 0 16px;display:flex;align-items:center;gap:12px}
.faq-group h2 span{font:700 13px var(--sans);background:var(--red);color:#fff;border-radius:20px;padding:3px 10px}
.faq-toc{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 40px;padding:0;list-style:none}
.faq-toc a{display:block;padding:8px 14px;border:1px solid var(--line);border-radius:30px;font-weight:700;font-size:14.5px;text-decoration:none!important;color:var(--navy)}
.faq-toc a:hover{background:var(--navy);color:#fff}

/* forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px}

/* contact */
.offices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.office{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.office .o-body{padding:26px}
.office h3{margin:0 0 8px;font-size:26px}
.office .o-tel{font-size:22px;font-weight:700;color:var(--red);text-decoration:none!important}
.office iframe{width:100%;height:240px;border:0;display:block;background:var(--sky)}
.office .o-links{display:flex;flex-wrap:wrap;gap:0;margin-top:14px}
.office .o-links .btn{padding:11px 16px;font-size:13px}

/* testimonials page */
.testimonial-hero{--hero-img:none}
.review-rating-box{background:var(--navy);color:#fff;padding:42px 34px;text-align:center;border-top:5px solid var(--red);border-radius:0 0 var(--radius) var(--radius);box-shadow:var(--shadow)}
.big-rating{display:block;font:700 66px/1 var(--serif);color:#fff;margin-bottom:8px}
.review-rating-box strong{display:block;font-size:18px;margin-top:10px}
.review-rating-box p{margin:8px auto 0;max-width:280px;color:#e7eef4}
.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.review-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 8px 24px rgba(20,35,50,.05);display:flex;flex-direction:column}
.review-card p{margin:10px 0 22px;font:italic 400 20px/1.45 var(--serif);color:var(--navy)}
.reviewer{display:flex;align-items:center;gap:12px;border-top:1px solid #e7eaed;padding-top:18px;margin-top:auto}
.avatar{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.reviewer strong,.reviewer small{display:block}
.reviewer small{color:#6b7684;margin-top:2px}
.review-note{text-align:center;color:#5f6b78;font-size:14px;margin:28px 0 0}
.review-cta{background:var(--red);color:#fff;padding:56px 0}
.review-cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:40px}
.review-cta h2{font-size:38px;margin:6px 0 8px;color:#fff}
.review-cta p{margin:0;max-width:700px}

/* legal pages */
.legal-body{max-width:820px}
.legal-body h2{font-size:28px;margin:38px 0 10px}
.legal-body h3{font-size:20px;margin:24px 0 6px}
.legal-body ul{padding-left:22px}
.updated{color:var(--muted);font-size:15px}

/* 404 */
.nf-links{columns:2;padding-left:20px}

/* ---------- footer ---------- */
.footer{background:var(--deep);color:#dbe5ed;position:relative;padding:64px 0 24px;margin-top:0}
.footer{overflow:hidden;border-top:4px solid var(--red)}
.footer .ridge{height:140px;bottom:0}
.footer .wrap{position:relative;z-index:1}
.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr;gap:40px}
.footer .foot-h{font:700 18px var(--serif);color:#fff;margin:0 0 14px}
.footer a{color:#fff;text-decoration:none}
.footer a:hover{text-decoration:underline}
.footer ul{list-style:none;margin:0;padding:0}
.footer li{margin:0 0 8px}
.footer .f-logo img{width:250px;margin-bottom:16px}
.footer .f-off li{margin-bottom:12px;line-height:1.4}
.footer .f-off span{display:block;font-size:14px;color:#a9bccd}
.legal{border-top:1px solid rgba(255,255,255,.16);margin-top:40px;padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13.5px;color:#a9bccd}
.legal nav{display:flex;flex-wrap:wrap;gap:18px}
.legal a{color:#fff;text-decoration:underline;text-underline-offset:3px}

/* ---------- responsive ---------- */
@media (max-width:1180px){.nav{font-size:14px;gap:0}.nav>a,.drop-btn{padding:10px 9px}.logo img{width:250px}}
@media (max-width:1020px){
  .topbar{display:none}
  .nav{display:none}
  .menu-btn{display:inline-flex}
  .head{height:78px}
  .logo img{width:220px}
  .office-tiles,.cov-grid,.adv-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .quotes,.review-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .split,.twocol{grid-template-columns:1fr;gap:40px}
  .aside{position:static}
  .footgrid{grid-template-columns:1fr 1fr}
  .offices{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .review-cta .wrap{display:block}.review-cta .btn{margin-top:24px}
  .photo{min-height:300px}
}
@media (max-width:620px){
  body{font-size:16.5px}
  .wrap{padding:0 16px}
  .section{padding:62px 0}
  .hero .wrap{padding-top:64px;padding-bottom:140px}
  .office-strip{margin-top:-90px}
  .office-tiles,.cov-grid,.adv-grid,.quotes,.review-grid,.footgrid{grid-template-columns:1fr}
  .timeline::before{left:88px}.timeline li{grid-template-columns:72px 1fr;gap:34px}.timeline li::before{left:82px}
  .timeline .yr{font-size:17px}
  .pagehero{padding:56px 0 100px}
  .btn{padding:13px 18px}
  .logo img{width:190px}
  .nf-links{columns:1}
  .ridge{height:56px}
}