/* Custom styles for McDowell IFS homepage */

:root {
  --brand-charcoal: #2e2e2e;
  --brand-gold: #f9bf3b;
  --brand-gold-hover: #ffe08c;
  --insurance-primary: #7a0c10;
  --insurance-secondary: #f7e5e6;
  --wealth-primary: #1e5631;
  --wealth-secondary: #e8f0eb;
}

body {
  font-family: "Open Sans", "Inter", system-ui, -apple-system, sans-serif;
  color: var(--brand-charcoal);
  background-color: #fff;
}

.wealth-theme {
  background-color: #fff;
}

.wealth-theme .site-main > section {
  overflow-x: hidden;
}

a {
  text-decoration: none;
}

.topbar {
  background: var(--brand-charcoal);
  color: #fff;
  font-size: 0.875rem;
}

.contact-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.topbar .contact-link {
  color: #fff;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
}

.topbar .contact-link:hover {
  color: var(--brand-gold-hover);
}

.topbar .divider {
  opacity: 0.4;
}

.topbar .social-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: #fff;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.topbar .social-btn:hover {
  background: var(--brand-gold);
  color: var(--brand-charcoal);
  border-color: var(--brand-gold);
}

.navbar-brand img {
  height: 68px;
}

.navbar-nav .nav-link {
  font-weight: 600;
}

.hero-split {
  position: relative;
  overflow: hidden;
}

.hero-split .row {
  min-height: 560px;
}

.hero-panel {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: stretch;
  color: #fff;
  isolation: isolate;
}

.hero-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: var(--hero-overlay), var(--hero-image);
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: -1;
}

.hero-inner {
  display: flex;
  align-items: center;
  height: 100%;
}

.hero-content {
  width: 100%;
  max-width: 520px;
  padding: 4rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.hero-content h1,
.hero-content h2 {
  font-family: "Playfair Display", serif;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.hero-content p {
  margin-bottom: 0;
}

.insurance-panel {
  --hero-image: url("../img/insurance.jpg");
  --hero-overlay: linear-gradient(
    90deg,
    rgba(122, 12, 16, 0.15) 0%,
    rgba(122, 12, 16, 0.45) 52%,
    rgba(122, 12, 16, 0.82) 100%
  );
}

.insurance-panel .hero-content {
  margin-left: auto;
  text-align: right;
  align-items: flex-end;
}

.wealth-panel {
  --hero-image: url("../img/wealth-management.jpg");
  --hero-overlay: linear-gradient(
    90deg,
    rgba(30, 86, 49, 0.85) 0%,
    rgba(30, 86, 49, 0.5) 58%,
    rgba(30, 86, 49, 0.18) 100%
  );
}

.wealth-panel .hero-content {
  margin-right: auto;
  text-align: left;
  align-items: flex-start;
}

.btn-brand {
  background: var(--brand-gold);
  color: var(--brand-charcoal);
  border: none;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 0.75rem 1.75rem;
}

.btn-brand:hover,
.btn-brand:focus {
  background: #e1aa34;
  color: var(--brand-charcoal);
}

.carrier-strip {
  background: #f8f9fa;
  border-top: 1px solid #e5e5e5;
  border-bottom: 1px solid #e5e5e5;
}

.carrier-strip .carousel-item {
  padding: 1.5rem 0;
}

.carrier-strip .logo-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1.5rem;
  align-items: center;
  justify-items: center;
}

.carrier-strip img {
  max-height: 48px;
  width: auto;
  mix-blend-mode: multiply;
  opacity: 0.85;
}

.carrier-strip .carousel-control-prev,
.carrier-strip .carousel-control-next {
  width: 48px;
  background: rgba(17, 17, 17, 0.05);
  border-radius: 50%;
  height: 48px;
  top: 50%;
  transform: translateY(-50%);
}

.section-heading {
  font-family: "Playfair Display", serif;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.section-heading.has-underline::after {
  content: "";
  display: block;
  width: 80px;
  height: 4px;
  margin-top: 0.75rem;
  border-radius: 999px;
}

.text-center .section-heading.has-underline::after {
  margin-left: auto;
  margin-right: auto;
}

.heading-insurance {
  color: var(--insurance-primary);
}

.heading-insurance::after {
  background: var(--insurance-primary);
}

.heading-wealth {
  color: var(--wealth-primary);
}

.heading-wealth::after {
  background: var(--wealth-primary);
}

.service-card {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 0.75rem;
  padding: 1.5rem;
  height: 100%;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.08);
}

.service-card.insurance {
  border-top: 4px solid var(--insurance-primary);
}

.service-card.wealth {
  border-top: 4px solid var(--wealth-primary);
}

.cta-banner {
  background: linear-gradient(120deg, var(--brand-charcoal), #1a1a1a);
  color: #fff;
  border-radius: 1rem;
  padding: 2.5rem 3rem;
}

/*
.cta-banner .cta-btn-group {
  gap: 1.25rem;
}
*/

.cta-btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1rem;
}

.wealth-cta {
  background: linear-gradient(135deg, rgba(30, 86, 49, 0.95), rgba(16, 48, 27, 0.95));
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.text-white-75 {
  color: rgba(255, 255, 255, 0.75);
}

.cta-banner.d-flex {
  padding: 2.5rem;
}

.cta-banner.d-flex > div:first-child {
  flex: 1 1 0%;
}

.testimonial-card {
  border: 1px solid #e8e8e8;
  border-radius: 0.75rem;
  padding: 1.75rem;
  background: #fff;
  height: 100%;
}

.testimonial-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.testimonial-avatar {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid rgba(0, 0, 0, 0.08);
}

.testimonial-stars {
  color: var(--brand-gold);
  display: inline-flex;
  gap: 0.1rem;
}

.testimonial-carousel .carousel-control-prev,
.testimonial-carousel .carousel-control-next {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(17, 17, 17, 0.08);
  top: 50%;
  transform: translateY(-50%);
}

.testimonial-carousel .carousel-inner {
  padding: 0 1.5rem;
}

@media (min-width: 992px) {
  .testimonial-carousel .carousel-control-prev {
    left: -2.5rem;
  }

  .testimonial-carousel .carousel-control-next {
    right: -2.5rem;
  }

  .testimonial-carousel .carousel-inner {
    padding: 0 3rem;
  }
}

footer:not(.comment-meta,.blockquote-footer) {
  background: #111;
  color: #f1f1f1;
}

footer.blockquote-footer {
  margin-top:0px;
}

footer p {
  margin-bottom: 1rem;
}

footer a {
  color: var(--brand-gold);
  text-decoration: none;
  transition: color 0.2s ease;
}

footer a:hover,
footer a:focus {
  color: #fff;
}

.footer-menu {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 0;
  padding: 0;
  margin: 0;
}

.footer-menu li {
  position: relative;
}

.footer-menu li + li {
  margin-left: 1.75rem;
}

.footer-menu li + li::before {
  content: "";
  position: absolute;
  left: -0.9rem;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 18px;
  background: rgba(255, 255, 255, 0.35);
}

.footer-social {
  display: flex;
  gap: 0.75rem;
  margin-top: 1rem;
}

.footer-social .social-btn {
  border-color: rgba(255, 255, 255, 0.4);
}

.footer-social .social-btn:hover {
  color: var(--brand-charcoal);
}

.footer-disclaimer {
  font-size: 0.75rem;
  line-height: 1.45;
}

/* Insurance hub styles */

.insurance-hero {
  position: relative;
  background-image: linear-gradient(
      120deg,
      rgba(122, 12, 16, 0.85),
      rgba(122, 12, 16, 0.4)
    ),
    var(--hero-bg-image, url("../img/insurance.jpg"));
  background-size: cover;
  background-position: center;
  color: #fff;
  padding: 5rem 0;
}

.page-hero-insurance {
  background-image: linear-gradient(
      110deg,
      rgba(122, 12, 16, 0.88),
      rgba(122, 12, 16, 0.35)
    ),
    var(--hero-bg-image, url("../img/insurance.jpg"));
  background-size: cover;
  background-position: center;
}

.page-hero-insurance .breadcrumb {
  margin-bottom: 1.5rem;
}

.page-hero-insurance .breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
}

.page-hero-insurance .breadcrumb .breadcrumb-item + .breadcrumb-item::before {
  color: rgba(255, 255, 255, 0.5);
}

.page-hero-wealth {
  background-image: linear-gradient(
      110deg,
      rgba(30, 86, 49, 0.92),
      rgba(30, 86, 49, 0.4)
    ),
    var(--hero-bg-image, url("../img/wealth-management.jpg"));
  background-size: cover;
  background-position: center;
  position: relative;
}

.page-hero-wealth .breadcrumb {
  margin-bottom: 1.5rem;
}

.page-hero-wealth .breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
}

.page-hero-wealth .breadcrumb .breadcrumb-item + .breadcrumb-item::before {
  color: rgba(255, 255, 255, 0.5);
}

.page-hero-wealth .hero-micro-links .contact-link {
  color: rgba(255, 255, 255, 0.75);
  font-weight: 600;
}

.page-hero-wealth .hero-micro-links .contact-link:hover {
  color: #fff;
}

.wealth-hero-card {
  background: rgba(255, 255, 255, 0.12);
  border-radius: 1.25rem;
  padding: 1.25rem;
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.wealth-hero-image {
  border-radius: 1rem;
  overflow: hidden;
  margin-bottom: 1.25rem;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.2);
}

.wealth-hero-image img {
  width: 100%;
  height: auto;
  display: block;
}

.wealth-hero-stats {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.wealth-hero-stats .stat-value {
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  line-height: 1;
}

.wealth-hero-stats .stat-label {
  display: block;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.95rem;
}

.wealth-pillars {
  background: #f7fbf8;
}

.wealth-link {
  color: var(--wealth-primary);
  font-weight: 600;
}

.wealth-link:hover,
.wealth-link:focus {
  color: #104422;
  text-decoration: underline;
}

.wealth-pillar-card {
  background: #fff;
  border: 1px solid #e3ece6;
  border-radius: 1rem;
  padding: 2rem 1.75rem;
  position: relative;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.wealth-pillar-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 25px 45px rgba(30, 86, 49, 0.15);
}

.wealth-pillar-card .pillar-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(30, 86, 49, 0.12);
  color: var(--wealth-primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
}

.wealth-pillar-card .pillar-link {
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  color: var(--wealth-primary);
}

.wealth-pillar-card .pillar-link:hover {
  color: #154224;
}

.wealth-pillar-card .pillar-underline {
  width: 64px;
  height: 3px;
  border-radius: 999px;
  background: var(--wealth-primary);
}

.wealth-timeline {
  background: #f1f6f3;
}

.timeline-steps {
  display: grid;
  grid-template-columns: repeat(1, minmax(240px, 1fr));
  gap: 1.5rem;
  padding-left: 0;
}

@media (min-width: 768px) {
  .timeline-steps {
    grid-template-columns: repeat(2, minmax(260px, 1fr));
  }
}

@media (min-width: 992px) {
  .cta-btn-group {
    margin-top: 0;
    justify-content: flex-end;
  }
}

.timeline-step {
  position: relative;
  background: #fff;
  border: 1px solid #dfe9e2;
  border-radius: 1rem;
  padding: 1.5rem;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.05);
}

.timeline-step::after {
  content: "";
  position: absolute;
  inset: auto 1.5rem -0.25rem 1.5rem;
  height: 4px;
  border-radius: 999px;
  background: linear-gradient(90deg, rgba(30, 86, 49, 0), rgba(30, 86, 49, 0.65), rgba(30, 86, 49, 0));
}

.timeline-badge {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(30, 86, 49, 0.15);
  color: var(--wealth-primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 1rem;
}

.wealth-service-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  font-weight: 600;
}

.wealth-service-list i {
  color: var(--wealth-primary);
  margin-right: 0.5rem;
}

.disclosure-card {
  border: 1px solid #dfe3e0;
  border-radius: 1rem;
  padding: 1.5rem;
  background: #fff;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.05);
}

.quote-hero-card {
  background: #fff;
  border-radius: 1rem;
  padding: 1.75rem;
  border: 1px solid #ececec;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.05);
}

.quote-tab-nav .nav-link {
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 600;
  border-radius: 999px;
  color: var(--brand-charcoal);
  border: 1px solid rgba(0, 0, 0, 0.08);
  margin: 0.25rem;
}

.quote-tab-nav .nav-link.active {
  background: var(--brand-charcoal);
  color: #fff;
  border-color: var(--brand-charcoal);
}

.quote-tab-content .tab-pane {
  background: #fff;
  border: 1px solid #ececec;
  border-radius: 1rem;
  padding: 2rem;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.04);
}

.quote-form .form-label {
  font-weight: 600;
  font-size: 0.95rem;
}

.quote-form .form-control,
.quote-form .form-select {
  border-radius: 0.65rem;
}

.department-badge {
  border: 1px solid #e1e1e1;
  border-radius: 1rem;
  padding: 1.75rem;
  background: #fafafa;
  box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.02);
}

.department-badge.insurance {
  border-color: rgba(122, 12, 16, 0.2);
  background: #fff7f7;
}

.department-badge.wealth {
  border-color: rgba(30, 86, 49, 0.2);
  background: #f2fbf5;
}

.department-badge .badge.wealth {
  background: rgba(30, 86, 49, 0.1);
  color: var(--wealth-primary);
}

.badge.wealth {
  background: rgba(30, 86, 49, 0.15);
  color: var(--wealth-primary);
  border: 1px solid rgba(30, 86, 49, 0.25);
}

.quick-links {
  background: #f8f8f8;
}

.quick-link-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 1rem;
  padding: 1.75rem;
  text-align: left;
  position: relative;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  min-height: 100%;
}

.quick-link-card i {
  font-size: 1.5rem;
  color: var(--brand-charcoal);
  margin-bottom: 0.75rem;
}

.quick-link-card h3 {
  font-weight: 600;
}

.quick-link-card a {
  font-weight: 600;
  color: var(--brand-charcoal);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.85rem;
}

.quick-link-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.08);
}

.claims-support {
  background-image: linear-gradient(120deg, rgba(17, 17, 17, 0.88), rgba(17, 17, 17, 0.6)), url("../img/location/office-building-exterior.jpg");
  background-size: cover;
  background-position: center;
}

.claims-card {
  background: rgba(255, 255, 255, 0.08);
  border-radius: 1rem;
  padding: 2rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(4px);
}

.required-info li {
  margin-bottom: 0.35rem;
}

.quote-faq .accordion-button:focus {
  box-shadow: none;
}

.quote-testimonials {
  background: #f4f4f4;
}

.quote-testimonial-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 0.75rem;
  padding: 1.5rem;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.04);
}

.workshops-preview {
  background: #fdfdfb;
}

.workshops-preview .btn {
  white-space: nowrap;
}

.workshop-card {
  border: 1px solid #e8e1cf;
  border-radius: 1rem;
  padding: 1.75rem;
  background: #fffef8;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.06);
  display: flex;
  flex-direction: column;
}

.workshop-card h3 a,
.event-card h3 a,
.on-demand-card h3 a {
  color: inherit;
}

.workshop-card h3 a:hover,
.workshop-card h3 a:focus,
.event-card h3 a:hover,
.event-card h3 a:focus,
.on-demand-card h3 a:hover,
.on-demand-card h3 a:focus {
  color: var(--wealth-primary);
}

.workshop-date {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  background: #fff;
  border-radius: 0.75rem;
  padding: 0.5rem 0.75rem;
  border: 1px solid rgba(249, 191, 59, 0.3);
  margin-bottom: 1rem;
}

.workshop-date .day {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--wealth-primary);
  line-height: 1;
}

.workshop-date .meta {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: #7a7a7a;
}

.workshop-card .btn {
  align-self: flex-start;
}

.workshops-hero {
  background-image: linear-gradient(110deg, rgba(30, 86, 49, 0.9), rgba(18, 51, 29, 0.7)), url("../img/wealth-management.jpg");
  background-size: cover;
  background-position: center;
}

.workshops-hero-card {
  background: rgba(255, 255, 255, 0.12);
  border-radius: 1.25rem;
  padding: 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(4px);
}

.workshops-hero-card li {
  margin-bottom: 0.5rem;
}

.workshops-events .event-filter {
  border: 1px solid rgba(30, 86, 49, 0.4);
  background: transparent;
  color: var(--wealth-primary);
  padding: 0.45rem 1.25rem;
  border-radius: 999px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}

.workshops-events .event-filter.active,
.workshops-events .event-filter:hover,
.workshops-events .event-filter:focus {
  background: var(--wealth-primary);
  color: #fff;
}

.event-card {
  background: #fff;
  border: 1px solid #e0e8e3;
  border-radius: 1.25rem;
  display: flex;
  gap: 1.25rem;
  padding: 1.5rem;
  height: 100%;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.06);
}

.event-card .event-date {
  background: var(--wealth-primary);
  color: #fff;
  border-radius: 1rem;
  padding: 0.75rem 1rem;
  text-align: center;
  min-width: 78px;
}

.event-card .event-date .day {
  font-size: 2rem;
  font-weight: 700;
  display: block;
  line-height: 1;
}

.event-card .event-date .month {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.85rem;
}

.event-card .event-body .meta {
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.8rem;
  color: #7a7a7a;
}

.event-card .event-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.workshop-badge {
  border: 1px solid rgba(0, 0, 0, 0.12);
  text-decoration: none;
}

.workshop-badge:hover,
.workshop-badge:focus {
  filter: brightness(0.94);
  text-decoration: none;
}

.featured-workshop {
  background: #f7fbf8;
}

.spotlight-image {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.2);
}

.spotlight-image img {
  width: 100%;
  height: auto;
  display: block;
}

.spotlight-image .badge {
  position: absolute;
  top: 1.25rem;
  left: 1.25rem;
}

.spotlight-list {
  list-style: none;
  padding-left: 0;
  margin: 1.5rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.on-demand-library {
  background: #fefbf3;
}

.on-demand-card {
  background: #fff;
  border-radius: 1.25rem;
  overflow: hidden;
  border: 1px solid #f0ead6;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.06);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.on-demand-card img {
  width: 100%;
  height: auto;
}

.on-demand-card .card-body {
  padding: 1.5rem;
  flex: 1 1 auto;
}

.on-demand-card .meta {
  text-transform: uppercase;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  color: #7a7a7a;
}

.workshops-registration {
  background: #f8f9f6;
}

.workshops-page .site-main > section {
  overflow-x: hidden;
}

.single-workshop-hero {
  background-image: linear-gradient(110deg, rgba(30, 86, 49, 0.9), rgba(18, 51, 29, 0.72)), url("../img/wealth-management.jpg");
  background-size: cover;
  background-position: center;
}

.single-workshop-details,
.single-workshop-registration {
  background: rgba(255, 255, 255, 0.95);
  border: 1px solid rgba(255, 255, 255, 0.35);
  border-radius: 1rem;
  padding: 1.5rem;
  color: var(--brand-charcoal);
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.16);
}

.single-workshop-details li {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  margin-bottom: 0.85rem;
}

.single-workshop-details li:last-child {
  margin-bottom: 0;
}

.single-workshop-details i,
.single-workshop-agenda i {
  color: var(--wealth-primary);
  width: 1.25rem;
  flex: 0 0 1.25rem;
  margin-top: 0.2rem;
}

.single-workshop-content {
  background: #fff;
}

.single-workshop-image {
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.08);
}

.single-workshop-image img {
  width: 100%;
  height: auto;
  display: block;
}

.single-workshop-registration {
  position: sticky;
  top: 100px;
}

.workshop-registration-frame {
  width: 100%;
  min-height: 680px;
  border: 0;
  border-radius: 0.75rem;
}

.workshop-status-pill {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: 0.2rem 0.65rem;
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1.2;
}

.workshop-status-pill--scheduled {
  background: rgba(30, 86, 49, 0.12);
  color: var(--wealth-primary);
}

.workshop-status-pill--replay {
  background: rgba(13, 110, 253, 0.12);
  color: #0a58ca;
}

.workshop-status-pill--expired {
  background: rgba(108, 117, 125, 0.16);
  color: #495057;
}

@media (max-width: 991.98px) {
  .single-workshop-registration {
    position: static;
  }
}

.workshop-form .form-label {
  font-weight: 600;
  font-size: 0.95rem;
}

.workshop-form .form-control,
.workshop-form .form-select,
.workshop-form textarea {
  border-radius: 0.65rem;
}

.workshop-testimonials {
  background: #fefefe;
}

.participant-quote {
  border: 1px solid #e5e5e5;
  border-radius: 1.25rem;
  padding: 1.75rem;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.04);
  height: 100%;
  background: #fff;
}

.participant-quote .quote-meta {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  font-size: 0.95rem;
  color: #555;
}

.workshop-faq {
  background: #f7fbf8;
}

.workshop-faq .accordion-button {
  font-weight: 600;
}

.wealth-testimonials {
  background: linear-gradient(135deg, #1e5631, #12331d);
  color: #fff;
  position: relative;
}

.wealth-testimonials p,
.wealth-testimonials .section-heading,
.wealth-testimonials .text-center,
.wealth-testimonials .carousel-item {
  color: #fff;
}

.wealth-testimonials .text-muted {
  color: rgba(255, 255, 255, 0.75) !important;
}

.wealth-testimonial-card {
  background: rgba(255, 255, 255, 0.08);
  border-radius: 1rem;
  padding: 2rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(4px);
  min-height: 100%;
}

.wealth-testimonial-card p {
  color: rgba(255, 255, 255, 0.9);
}

.wealth-testimonial-card ul {
  color: rgba(255, 255, 255, 0.8);
}

.wealth-testimonial-card h3 {
  color: #fff;
}

.wealth-testimonial-card i {
  color: var(--brand-gold);
}

.wealth-testimonials .badge.bg-success-subtle {
  background: rgba(249, 191, 59, 0.15) !important;
  color: var(--brand-gold) !important;
}

.wealth-testimonial-card .testimonial-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.coverage-pills {
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}

.coverage-pills .nav-link {
  border-radius: 999px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--insurance-primary);
  border: 1px solid rgba(122, 12, 16, 0.3);
  padding: 0.5rem 1.25rem;
}

.coverage-pills .nav-link.active {
  background: var(--insurance-primary);
  color: #fff;
  border-color: var(--insurance-primary);
}

.coverage-tab-content .tab-pane {
  background: #fff;
  border: 1px solid #f0d9da;
  border-radius: 1rem;
  padding: 2rem;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.04);
}

.coverage-list {
  margin: 1.5rem 0;
  color: #555;
}

.coverage-list li {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 0.5rem;
}

.coverage-list i {
  color: var(--insurance-primary);
  margin-top: 0.15rem;
}

.benefit-card {
  background: #fff;
  border: 1px solid #f0d9da;
  border-radius: 1rem;
  padding: 2rem 1.75rem;
  text-align: left;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.05);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 25px 45px rgba(0, 0, 0, 0.08);
}

.benefit-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--insurance-secondary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--insurance-primary);
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

.coverage-table {
  border: 1px solid #f0d9da;
  border-radius: 1rem;
  overflow: hidden;
  background: #fff;
}

.coverage-table thead {
  background: var(--insurance-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.coverage-table th,
.coverage-table td {
  padding: 1.1rem;
}

.coverage-table tbody tr:nth-child(even) {
  background: #fdf9f9;
}

.bundling-banner {
  background: #fff;
  border: 1px solid #f0d9da;
  border-radius: 1rem;
  padding: 2rem;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.05);
}

.risk-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}

.risk-card {
  border: 1px solid #f0d9da;
  border-radius: 0.75rem;
  padding: 1.25rem;
  background: #fff;
  height: 100%;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.04);
}

.resource-card {
  background: #fff;
  border: 1px solid #f0d9da;
  border-radius: 0.75rem;
  padding: 1.25rem;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.04);
  height: 100%;
}

.insurance-hero .hero-kicker {
  letter-spacing: 0.25rem;
  font-weight: 700;
}

.insurance-hero .hero-meta {
  font-size: 0.9rem;
}

.page-hero-insurance {
  background-image: linear-gradient(
      110deg,
      rgba(122, 12, 16, 0.88),
      rgba(122, 12, 16, 0.35)
    ),
    var(--hero-bg-image, url("../img/insurance.jpg"));
  background-size: cover;
  background-position: center;
}

.page-hero-insurance .breadcrumb {
  margin-bottom: 1.5rem;
}

.page-hero-insurance .breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
}

.page-hero-insurance .breadcrumb .breadcrumb-item + .breadcrumb-item::before {
  color: rgba(255, 255, 255, 0.5);
}

.pillar-card {
  background: #fff;
  border: 1px solid #ead3d4;
  border-top: 4px solid var(--insurance-primary);
  border-radius: 1rem;
  padding: 1.75rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 35px rgba(122, 12, 16, 0.12);
}

.pillar-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--insurance-secondary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--insurance-primary);
  font-size: 1.35rem;
  margin-bottom: 1rem;
}

.pillar-list {
  margin-bottom: 1.5rem;
  color: #5a5a5a;
}

.pillar-list li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.95rem;
}

.pillar-list i {
  color: var(--insurance-primary);
}

.pillar-link {
  font-weight: 600;
  text-transform: uppercase;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  color: var(--insurance-primary);
}

.pillar-link:hover {
  color: #a11218;
}

.quick-action-card {
  background: #fff;
  border: 1px solid #e7e7e7;
  border-radius: 1rem;
  padding: 2rem;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.quick-action-card.claims-card {
  background: var(--insurance-secondary);
  border-color: rgba(122, 12, 16, 0.2);
}

.quote-form .form-control,
.quote-form .form-select,
.quote-form textarea {
  border-radius: 0.6rem;
}

.advisor-photo-wrapper {
  position: relative;
}

.advisor-photo-wrapper::after {
  content: "";
  position: absolute;
  inset: 12px;
  border: 2px dashed rgba(122, 12, 16, 0.35);
  border-radius: 1rem;
  pointer-events: none;
}

.stat-badge {
  background: #fff;
  border: 1px solid #f0d9da;
  border-radius: 0.75rem;
  padding: 1rem;
  text-align: center;
  min-height: 150px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
}

.stat-value {
  display: block;
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--insurance-primary);
}

.stat-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #666;
}

.cta-btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.cta-btn-group .btn {
  min-width: 210px;
  flex: 0 0 auto;
  white-space: normal;
}

@media (min-width: 992px) {
  .cta-btn-group {
    flex-wrap: nowrap;
  }
}

.accordion-button:not(.collapsed) {
  color: #fff;
  background-color: var(--insurance-primary);
  box-shadow: none;
}

.accordion-button:not(.collapsed)::after {
  filter: invert(1);
}

.accordion-button:focus {
  border-color: var(--insurance-primary);
  box-shadow: 0 0 0 0.25rem rgba(122, 12, 16, 0.25);
}

.mr-10 {
  margin-right:10px;
}

.mr-60 {
  margin-right:60px;
}

@media (max-width: 991.98px) {
  .hero-content {
    padding: 3rem 1.5rem;
  }

  .hero-split .row {
    min-height: auto;
  }

  .insurance-panel .hero-content,
  .wealth-panel .hero-content {
    margin: 0 auto;
    text-align: center;
    align-items: center;
  }

  .carrier-strip .carousel-control-prev,
  .carrier-strip .carousel-control-next {
    display: none;
  }
}

@media (max-width: 767.98px) {
  .topbar {
    text-align: center;
  }

  .topbar .container {
    justify-content: center;
    row-gap: 0.5rem;
  }

  .topbar .container > .ms-auto {
    margin-left: 0 !important;
  }

  .topbar .container > div:first-child {
    justify-content: center;
    column-gap: 0.75rem;
    row-gap: 0.35rem;
  }

  .topbar .divider {
    display: none;
  }

  .topbar .social-btn {
    width: 30px;
    height: 30px;
  }

  .hero-content {
    max-width: none;
  }

  .cta-banner {
    text-align: center;
  }

  .footer-menu {
    flex-direction: column;
    gap: 0.25rem;
  }

  .footer-menu li + li {
    margin-left: 0;
  }

  .footer-menu li + li::before {
    display: none;
  }
}

@media (max-width:450px) {
  .cta-btn-group .btn {
      flex: auto;
  }
}
.news-hero {
  background: #f8f8f8;
}

.news-hero-card {
  background: #fff;
  border-radius: 1rem;
  padding: 1.75rem;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.05);
  border: 1px solid #ececec;
}

.news-filters {
  border-bottom: 1px solid #ededed;
}

.filter-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.filter-pill {
  border: 1px solid rgba(0, 0, 0, 0.15);
  border-radius: 999px;
  padding: 0.45rem 1.25rem;
  background: transparent;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.filter-pill.active {
  background: var(--brand-charcoal);
  color: #fff;
  border-color: var(--brand-charcoal);
}

.news-feed {
  background: #fff;
}

.post-card {
  border: 1px solid #e5e5e5;
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.05);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.post-card__image img {
  width: 100%;
  height: auto;
}

.post-card__body {
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  flex: 1 1 auto;
}

.post-card__meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: #777;
}

.post-card__meta .badge {
  text-decoration: none;
}

.post-card__meta .badge:hover,
.post-card__meta .badge:focus {
  filter: brightness(0.94);
}

.post-card__title a {
  color: var(--brand-charcoal);
}

.news-featured-highlight {
  background: #0c0c0c;
  color: #fff;
}

.news-featured-highlight p {
  color: rgba(255, 255, 255, 0.85);
}

.news-pagination {
  border-top: 1px solid #ededed;
}

.newsletter-cta {
  background: #fef9ec;
}

.newsletter-form .form-control {
  border-radius: 0.65rem;
}

.article-hero {
  background: #f8f8f8;
}

.article-meta {
  font-size: 0.9rem;
}

.article-share a {
  color: var(--brand-charcoal);
}

.article-share a:hover {
  color: var(--brand-gold);
}

.article-content p {
  margin-bottom: 1rem;
}

.article-content h2 {
  margin-top: 2rem;
}

.article-cta {
  background: #fef9ec;
  border: 1px solid #f2e0b2;
  border-radius: 1rem;
  padding: 1.5rem;
}

.article-author {
  background: #f8f8f8;
}

.author-card {
  background: #fff;
  border-radius: 1.25rem;
  padding: 1.5rem;
  border: 1px solid #e5e5e5;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.05);
}

.author-photo {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  object-fit: cover;
}

.author-photo-link {
  flex: 0 0 120px;
  display: inline-flex;
  width: 120px;
  height: 120px;
}

.author-archive-card {
  padding: clamp(1.5rem, 3vw, 2rem);
}

.author-archive-hero .author-photo,
.author-archive-hero .author-photo-link {
  width: 160px;
  height: 160px;
}

.author-archive-hero .author-photo-link {
  flex-basis: 160px;
}

.author-archive-card__content p:last-of-type {
  margin-bottom: 0;
}

.author-archive-card__role {
  color: #555;
  font-weight: 600;
}

.author-archive-card__links {
  margin-top: 1rem;
}

.article-tags .badge {
  margin-right: 0.35rem;
}

.article-comments {
  background: #f3f5f7;
  border-top: 1px solid #dfe3e8;
}

.comment-list > .comment {
  margin-bottom: 1.5rem;
}

.comment-list .children .comment {
  margin-left: 2rem;
}

.comment-body {
  display: flex;
  gap: 1rem;
  width: 100%;
}

.comment-avatar img {
  border-radius: 50%;
}

.related-articles {
  background: #fff;
}

.newsletter-cta .btn {
  width: 100%;
}

.contact-hero-card {
  background: #fff;
  border-radius: 1rem;
  padding: 1.5rem;
  border: 1px solid #e5e5e5;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.05);
}

.department-card {
  background: #fff;
  border-radius: 1rem;
  padding: 1.75rem;
  border: 1px solid #e7e7e7;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.06);
  height: 100%;
}

.department-card.insurance {
  border-top: 4px solid var(--insurance-primary);
}

.department-card.wealth {
  border-top: 4px solid var(--wealth-primary);
}

.contact-claims {
  margin-top: -1px;
}

.scheduler-placeholder {
  background: #fff;
  border-radius: 1rem;
  padding: 2rem;
  border: 2px dashed #cfd6d9;
  text-align: left;
}

.contact-form__fields .form-control,
.contact-form__fields .form-select {
  border-radius: 0.65rem;
}

.contact-location iframe {
  border: 0;
}

.list-unstyled,
.list-inline,
.coverage-pills {
    margin-left: 0px;
}