/* ============================================================
   ANCHORPOINT — v5 components (loads AFTER styles4.css)
   Big-wig conversion patterns: quote starter, LOB tabs,
   animated stats, how-it-works, FAQ, reviews slider, mega-footer.
   Professional but down-to-earth. Inherits Ironwood tokens.
   ============================================================ */

/* ---------- hero tweaks: room for overlapping quote bar ---------- */
.hero{padding-bottom:70px}
@media(max-width:760px){.hero{padding-bottom:48px}}

/* ============================================================
   QUOTE STARTER BAR (overlaps hero bottom)
   ============================================================ */
.quotebar-wrap{position:relative;z-index:5;margin-top:-46px}
.quotebar{background:#fff;border:1px solid var(--line);border-top:6px solid var(--orange);border-radius:3px;
  box-shadow:var(--sh-card);padding:30px 34px}
.quotebar .qb-head{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;margin-bottom:20px}
.quotebar .qb-head h3{font-size:1.5rem;font-weight:700}
.quotebar .qb-steps-ind{display:flex;align-items:center;gap:8px;font-family:var(--display);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;color:var(--muted)}
.quotebar .qb-steps-ind .dot{width:9px;height:9px;border-radius:50%;background:var(--line)}
.quotebar .qb-steps-ind .dot.on{background:var(--orange)}
.qb-panel{display:none}
.qb-panel.active{display:block;animation:qbfade .35s var(--ease)}
@keyframes qbfade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.qb-lob{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;margin-bottom:18px}
.lob{display:flex;flex-direction:column;align-items:center;gap:8px;padding:16px 8px;border:1.5px solid var(--line);
  background:var(--bone);border-radius:3px;cursor:pointer;transition:.15s;text-align:center}
.lob svg{width:28px;height:28px;color:var(--char);transition:.15s}
.lob span{font-family:var(--display);font-weight:500;text-transform:uppercase;letter-spacing:.03em;font-size:.82rem;color:var(--char)}
.lob:hover{border-color:var(--teal-deep);transform:translateY(-2px)}
.lob.sel{background:var(--black);border-color:var(--black)}
.lob.sel svg,.lob.sel span{color:#fff}
.lob.sel svg{color:var(--orange)}
.qb-row{display:flex;gap:12px;align-items:stretch;flex-wrap:wrap}
.qb-row .zip{flex:0 0 200px}
.qb-row .zip label,.qb-grow label{display:block;font-family:var(--sans);font-weight:700;font-size:.74rem;letter-spacing:.04em;text-transform:uppercase;color:var(--char);margin-bottom:6px}
.qb-row input{width:100%;height:54px;padding:0 16px;border:1.5px solid var(--line);border-radius:2px;font-family:inherit;font-size:1.05rem;background:var(--bone)}
.qb-row input:focus{outline:none;border-color:var(--teal-deep);box-shadow:0 0 0 3px rgba(14,154,167,.16);background:#fff}
.qb-grow{flex:1 1 200px}
.qb-row .btn{height:54px;align-self:flex-end}
.qb-back{background:none;border:none;cursor:pointer;font-family:var(--display);text-transform:uppercase;letter-spacing:.05em;
  font-weight:500;color:var(--muted);font-size:.85rem;display:inline-flex;align-items:center;gap:6px;margin-top:14px}
.qb-back:hover{color:var(--orange-deep)}
.qb-success{text-align:center;padding:14px 0}
.qb-success .ok{width:62px;height:62px;border-radius:50%;background:var(--teal-deep);color:#fff;display:grid;place-items:center;margin:0 auto 16px}
.qb-success .ok svg{width:32px;height:32px}
.qb-success h3{font-size:1.7rem;margin-bottom:8px}
.qb-success p{color:var(--muted);margin:0}
@media(max-width:860px){.qb-lob{grid-template-columns:repeat(3,1fr)}}
@media(max-width:520px){.qb-lob{grid-template-columns:repeat(2,1fr)}.qb-row .zip{flex:1 1 100%}.qb-row .btn{width:100%}}

/* ============================================================
   ANIMATED STATS BAND
   ============================================================ */
.statsband{background:var(--bone)}
.statsband .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:0;text-align:center}
.statcell{padding:14px 22px;border-left:1px solid var(--line)}
.statcell:first-child{border-left:none}
.statcell b{font-family:var(--display);font-weight:700;font-size:clamp(2.6rem,4.4vw,3.6rem);color:var(--char);display:block;line-height:1}
.statcell b .u{color:var(--orange);display:inline;font-size:inherit;font-family:inherit;letter-spacing:0;margin:0}
.statcell > span{font-family:var(--display);text-transform:uppercase;letter-spacing:.08em;font-size:.82rem;color:var(--muted);margin-top:10px;display:block;font-weight:500}
@media(max-width:680px){.statsband .wrap{grid-template-columns:1fr;gap:26px 0}.statcell{border-left:none}}

/* ============================================================
   COVERAGE TABS (segmented control)
   ============================================================ */
.cov-tabs{display:inline-flex;border:2px solid var(--black);border-radius:3px;overflow:hidden;margin-bottom:34px}
.cov-tab{font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.05em;font-size:1rem;
  padding:13px 30px;background:var(--bone);color:var(--char);border:none;cursor:pointer;transition:.15s}
.cov-tab+.cov-tab{border-left:2px solid var(--black)}
.cov-tab.on{background:var(--black);color:#fff}
.cov-tab .c{opacity:.6;font-size:.8em;margin-left:7px}
.cov-tab.on .c{color:var(--orange);opacity:1}
.cov-panel{display:none}
.cov-panel.on{display:block;animation:qbfade .3s var(--ease)}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.hiw{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);background:var(--line)}
.hiw .step{background:var(--bone);padding:36px 32px;position:relative}
.hiw .step .num{font-family:var(--display);font-weight:700;font-size:3.4rem;line-height:1;color:var(--orange);opacity:.95}
.hiw .step h3{font-size:1.4rem;font-weight:700;margin:12px 0 8px}
.hiw .step p{color:var(--muted);margin:0;font-size:.99rem}
.hiw .step::after{content:"";position:absolute;right:-1px;top:24px;bottom:24px;width:2px;background:var(--line)}
.hiw .step:last-child::after{display:none}
@media(max-width:760px){.hiw{grid-template-columns:1fr}.hiw .step::after{display:none}}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq{max-width:880px;margin:0 auto;border-top:2px solid var(--black)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;background:none;border:none;cursor:pointer;text-align:left;display:flex;align-items:center;justify-content:space-between;
  gap:18px;padding:24px 4px;font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.02em;
  font-size:1.12rem;color:var(--char)}
.faq-q .ic{width:30px;height:30px;flex-shrink:0;border:2px solid var(--char);border-radius:2px;display:grid;place-items:center;transition:.2s;position:relative}
.faq-q .ic::before,.faq-q .ic::after{content:"";position:absolute;background:var(--char);transition:.2s}
.faq-q .ic::before{width:12px;height:2px}
.faq-q .ic::after{width:2px;height:12px}
.faq-item.open .faq-q .ic{background:var(--orange);border-color:var(--orange)}
.faq-item.open .faq-q .ic::before,.faq-item.open .faq-q .ic::after{background:#fff}
.faq-item.open .faq-q .ic::after{transform:scaleY(0)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s var(--ease)}
.faq-a p{color:var(--muted);padding:0 4px 24px;margin:0;font-size:1.02rem;max-width:62ch}
@media(max-width:520px){.faq-q{font-size:1rem}}

/* ============================================================
   REVIEWS SLIDER
   ============================================================ */
.revslider{position:relative;max-width:880px;margin:0 auto;overflow:hidden}
.revtrack{display:flex;transition:transform .45s var(--ease)}
.revslide{flex:0 0 100%;padding:6px}
.revcard{background:#fff;border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:3px;padding:40px;text-align:center}
.revcard .stars{color:var(--orange);letter-spacing:3px;font-size:1.3rem;margin-bottom:18px}
.revcard blockquote{font-family:var(--serif);font-size:clamp(1.3rem,2.2vw,1.6rem);line-height:1.45;color:var(--ink);margin:0 0 24px}
.revcard .who{display:flex;align-items:center;justify-content:center;gap:13px}
.revcard .who .av{width:50px;height:50px;border-radius:50%;background:var(--char);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:600}
.revcard .who b{display:block;font-family:var(--sans);font-weight:800}
.revcard .who span{font-size:.85rem;color:var(--muted)}
.revnav{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:26px}
.revnav button{width:46px;height:46px;border-radius:50%;border:2px solid var(--char);background:var(--bone);cursor:pointer;
  display:grid;place-items:center;transition:.15s;color:var(--char)}
.revnav button:hover{background:var(--black);color:#fff;border-color:var(--black)}
.revnav button svg{width:20px;height:20px}
.revdots{display:flex;gap:8px}
.revdots .d{width:10px;height:10px;border-radius:50%;background:var(--line);cursor:pointer;transition:.15s;border:none;padding:0}
.revdots .d.on{background:var(--orange);width:26px;border-radius:5px}

/* ============================================================
   MEGA FOOTER additions
   ============================================================ */
.foot-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
  padding-bottom:40px;margin-bottom:40px;border-bottom:1px solid rgba(255,255,255,.13)}
.foot-cta h3{color:#fff;font-size:1.8rem;font-weight:700}
.foot-cta p{color:#aaa090;margin:6px 0 0}
.footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr 1.2fr}
.foot-nap{font-size:.95rem;line-height:1.7;color:#aaa090}
.foot-nap b{color:#fff;display:block;font-family:var(--display);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
@media(max-width:980px){.footer-grid{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:620px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:440px){.footer-grid{grid-template-columns:1fr}}

/* mobile menu CTA visibility */
@media(max-width:1040px){.mast-cta .btn-primary{display:none}}

/* ============================================================
   v5b — real photos + Aztec-optimized services
   ============================================================ */
/* plain <img> inside framed slots */
.frame>img{object-fit:cover}
.hero-media .frame>img{object-position:center 22%}
.about-media .frame{aspect-ratio:4/5}
.about-media .frame>img{object-position:center top}

/* ---- SERVICES: featured cards ---- */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:40px}
.svc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:3px;padding:28px;
  position:relative;overflow:hidden;transition:transform .16s var(--ease),box-shadow .16s}
.svc::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--orange);transform:scaleY(0);transform-origin:top;transition:transform .22s var(--ease)}
.svc:hover{transform:translateY(-4px);box-shadow:var(--sh-card)}
.svc:hover::before{transform:scaleY(1)}
.svc-ic{width:54px;height:54px;border-radius:3px;display:grid;place-items:center;background:var(--black);color:var(--orange);margin-bottom:16px}
.svc-ic svg{width:27px;height:27px}
.svc h3{font-size:1.42rem;font-weight:700;margin-bottom:8px}
.svc p{color:var(--muted);margin-bottom:16px;font-size:.98rem;flex:1}
.svc-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:18px}
.svc-tags span{font-family:var(--sans);font-weight:700;font-size:.7rem;letter-spacing:.04em;text-transform:uppercase;
  color:var(--teal-deep);background:var(--bone-2);padding:5px 10px;border-radius:2px}
.svc-go{font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--orange-deep);
  display:inline-flex;align-items:center;gap:8px;font-size:.92rem;margin-top:auto}
.svc-go svg{width:16px;height:16px;transition:transform .2s var(--ease)}
.svc:hover .svc-go svg{transform:translateX(4px)}
@media(max-width:900px){.svc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.svc-grid{grid-template-columns:1fr}}

/* ---- SERVICES: full policy list ---- */
.covlist{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-top:4px solid var(--black);background:#fff;border-radius:0 0 3px 3px}
.covcol{padding:30px 32px}
.covcol+.covcol{border-left:1px solid var(--line)}
.covcol h4{font-family:var(--display);font-weight:700;text-transform:uppercase;letter-spacing:.04em;font-size:1.18rem;color:var(--char);
  display:flex;align-items:center;gap:11px;margin:0 0 16px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.covcol h4 span{font-family:var(--sans);font-size:.7rem;font-weight:800;color:#fff;background:var(--orange);padding:4px 9px;border-radius:2px;letter-spacing:.06em}
.covcol ul{list-style:none;margin:0;padding:0;columns:2;column-gap:26px}
.covcol li{display:flex;align-items:center;gap:9px;padding:7px 0;font-weight:600;font-size:.95rem;color:var(--ink);break-inside:avoid}
.covcol li svg{width:15px;height:15px;color:var(--teal-deep);flex-shrink:0}
@media(max-width:760px){.covlist{grid-template-columns:1fr}.covcol+.covcol{border-left:none;border-top:1px solid var(--line)}}
@media(max-width:430px){.covcol ul{columns:1}}

/* ---- COMMUNITY band ---- */
.community-photo{position:relative;border:8px solid #fff;border-radius:2px;overflow:hidden;box-shadow:var(--sh-card);aspect-ratio:16/8}
.community-photo img{width:100%;height:100%;object-fit:cover}
.community-cap{position:absolute;left:0;bottom:0;background:var(--black);color:#fff;padding:14px 22px;
  font-family:var(--display);text-transform:uppercase;letter-spacing:.04em;font-size:.92rem}
.community-cap b{color:var(--orange)}
.footer .btn-primary,.footer .btn-primary:hover{color:#fff}

/* ---- AGENTS (contact) ---- */
.agents{display:flex;gap:26px;flex-wrap:wrap;margin-bottom:26px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.agent{display:flex;gap:13px;align-items:center}
.agent img{width:68px;height:68px;border-radius:50%;object-fit:cover;object-position:center top;border:2px solid var(--line)}
.agent b{display:block;font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.02em;font-size:1.04rem;color:var(--char)}
.agent span{font-size:.82rem;color:var(--muted)}

/* ============================================================
   v5c — competitor-essential additions
   Policyholder service · review CTA · footer legal · mobile bar
   ============================================================ */
/* ---- Policyholder service cards ---- */
.serv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.serv{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal-deep);border-radius:3px;padding:26px;display:flex;flex-direction:column;
  transition:transform .16s var(--ease),box-shadow .16s}
.serv:hover{transform:translateY(-4px);box-shadow:var(--sh-card)}
.serv .si{width:50px;height:50px;border-radius:3px;display:grid;place-items:center;background:var(--bone-2);color:var(--teal-deep);margin-bottom:14px}
.serv .si svg{width:25px;height:25px}
.serv h3{font-size:1.18rem;font-weight:700;margin-bottom:8px}
.serv p{color:var(--muted);font-size:.93rem;margin-bottom:16px;flex:1}
.serv a{font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.04em;font-size:.86rem;color:var(--orange-deep);
  display:inline-flex;align-items:center;gap:7px;margin-top:auto}
.serv a svg{width:15px;height:15px;transition:transform .2s var(--ease)}
.serv a:hover svg{transform:translateX(3px)}
@media(max-width:900px){.serv-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.serv-grid{grid-template-columns:1fr}}

/* ---- review CTA ---- */
.rev-cta{text-align:center;margin-top:36px}
.rev-cta .stars{color:var(--orange);letter-spacing:3px;font-size:1.25rem}
.rev-cta p{font-family:var(--serif);font-size:1.18rem;color:var(--char);margin:8px 0 18px}
.rev-cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ---- footer legal ---- */
.foot-legal a{display:inline;color:#8a8278;padding:0}
.foot-legal a:hover{color:var(--orange)}

/* ---- sticky mobile contact bar ---- */
.mobilebar{display:none}
@media(max-width:760px){
  .mobilebar{display:grid;grid-template-columns:1fr 1fr 1.4fr;position:fixed;left:0;right:0;bottom:0;z-index:80;
    background:var(--black);border-top:3px solid var(--orange);box-shadow:0 -6px 20px rgba(0,0,0,.28)}
  .mobilebar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;padding:9px 4px;color:#fff;
    font-family:var(--display);text-transform:uppercase;letter-spacing:.05em;font-size:.74rem;font-weight:500;border-left:1px solid rgba(255,255,255,.14)}
  .mobilebar a:first-child{border-left:none}
  .mobilebar a svg{width:21px;height:21px}
  .mobilebar a.mb-quote{background:var(--orange);font-weight:600}
  body{padding-bottom:60px}
  .toast{bottom:72px}
}

/* Labyrinth design credit: small white wordmark inline with the legal line */
.foot-legal{display:inline-flex;align-items:center;gap:7px}
.lab-credit{height:16px;width:auto;vertical-align:middle;opacity:.85;transition:opacity .16s}
.foot-legal a:hover .lab-credit{opacity:1}