/*
Theme Name: Gaetz Child
Template: twentytwentyfive
*/

.services-grid, .farm-types-grid, .settlement-grid, .cost-factor-grid, .endorsements-grid, .home-feature-grid, .life-advisor-grid,
 .farm-coverage-grid, .life-accordion-grid, .premium-factors-grid, .condo-management-grid, .farm-limitations-grid, 
 .services-process-grid, .tenant-scenarios-grid, .optional-coverage-grid, .services-features-grid, .business-coverages-grid, 
 .additional-coverage-grid, .business-best-practices-grid, .business-considerations-grid, .services-feature, .services-intro, .home-feature-card,
 .services-process-step, .home-insurance-intro, .farm-limitations-box, .farm-type-card,
 .farm-liability-panel, .farm-coverage-card, .farm-highlight-panel, .life-stage-card, .life-long-term-item,
 .life-planning-layout, .claim-card, .payment-company, .payment-option {
    margin-block-start: 0 !important;
}
#wp--skip-link--target > div {
    padding-top: 0 !important;
}
/* ======================================================
   General Styling
====================================================== */
main {
    margin-top: 0 !important;
}
body {
    background-color: var(--wp--preset--color--warm-white);
}
h1 {
    font-size: clamp(48px, 6vw, 72px);
}
h2 {
    color: var(--wp--preset--color--primary);
    line-height: .95;
    letter-spacing: -.03em;
    text-wrap: balance;
}
h1, h2, h3, h4, h5, h6 {
    font-family: "Manrope", sans-serif;
}
body,
p,
li,
a {
    font-family: "Inter", sans-serif;
}
.section-heading-accent {
    position: relative;
    padding-bottom: 1rem;
}
.section-heading-accent::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 60px;
    height: 3px;
    border-radius: 999px;
    background: var(--wp--preset--color--primary);
    opacity: .2;
}
/* ======================================================
 LOGO
====================================================== */
.wp-block-site-logo {
    width: auto;
    max-width: 100%;
    object-fit: contain;
}
/* Header CSS */
header {
    margin-bottom: 0 !important;
}
.header-contents {
    padding: 1rem 1rem;
}
/* ======================================================
   HEADER PAYMENT BUTTON
====================================================== */
.header-payment-btn .wp-block-button__link {
    padding: .85rem 1.5rem;
    border-radius: 999px;
    background: var(--wp--preset--color--warm-white);
    color: var(--wp--preset--color--primary);
    font-weight: 600;
    transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}
.header-payment-btn .wp-block-button__link:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(110,22,42,.18);
}
/* ======================================================
   FOOTER
====================================================== */
.footer-main {
    padding: 5rem 1rem 2rem;
    background: #561122;
    color: rgba(255,255,255,.9);
    margin-top: 6rem;
}
.footer-intro {
    margin-left: 0 !important;
}
/* ======================================================
   GRID
====================================================== */
.footer-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(2rem, 5vw, 6rem);
    padding-bottom: 3rem;
    border-bottom: 1px solid rgba(255,255,255,.12);
    margin-top: 3rem;
}
/* ======================================================
   HEADINGS
====================================================== */
.footer-main h2 {
    margin-bottom: 1.25rem;
    color: white;
    font-size: 1.5rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .12em;
}
/* ======================================================
   CONTACT
====================================================== */
.footer-contact {
    display: flex;
    flex-direction: column;
}
.footer-contact p {
    margin: 0;
    font-size: var(--wp--preset--font-size--h-5);
}
.footer-contact p:first-of-type {
    margin-bottom: 1rem;
}
/* ======================================================
   LINKS
====================================================== */
.footer-links .wp-block-navigation {
    display: flex;
    margin-top: 0 !important;
}
.footer-links ul {
    list-style: none;
    padding: 0;
    margin: 0;
}
.footer-links li {
    margin-bottom: .75rem;
}
.footer-links .wp-block-navigation-item__content {
    color: rgba(255,255,255,.75);
    transition: color .25s ease;
}
.footer-links .wp-block-navigation-item__content:hover {
    color: white;
}
/* ======================================================
   BOTTOM BAR
====================================================== */
.footer-bottom {
    padding-top: 2rem;
    padding-bottom: 2rem;
}
.footer-bottom p {
    margin: 0;
    font-size: .9rem;
    color: rgba(255,255,255,.55);
}
/* ======================================================
   General Styling - SPACING
====================================================== */
.home-types-intro, .business-coverages {
    margin: 3rem 0;
}
.home-products h2, .business-coverages h3, .business-considerations h3,
.home-types-intro, .service-banner, .coverage-sections, .optional-coverage-section h2,
.business-considerations, .business-best-practices, .home-know-your-stuff-intro, .home-faq-section h2,
.understanding-claims-section h2, .cost-factors-section h2, .why-coverage-section h2, .condo-management h2, .farm-coverage-grid,
.what-is-covered-intro, .farm-types-coverage-heading, .farm-endorsements h3 {
    margin-bottom: 3rem;
}
.home-types-content, .intro-question-home, .condo-intro, .farm-intro-layout {
    margin: 4rem 0;
}
.general-services-features, .services-grid, .services-process, .home-insurance-intro,
.home-faq-section, .home-know-your-stuff, .farm-what-is-covered, .farm-types-of-coverage, 
.farm-coverage-limits, .farm-limitations {
    margin-bottom: 4rem;
}
.services-intro-row, .farm-endorsements h3 {
    margin-top: 3rem !important;
}
/* ======================================================
   HOME PAGE
====================================================== */
.home-hero {
    position: relative;
    overflow: hidden;
    padding: 2rem;
    background: linear-gradient(155deg, #6e162a 0%, #6e162a 38%, #9e707c 100%);
    color: white;
    /*541221*/
    
}
.home-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(255,255,255,.08), transparent 42%);
    pointer-events: none;
}
.home-hero__inner {
    width: min(1200px, 92%);
    margin-inline: auto;
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 6vw, 7rem);
    align-items: center;
    position: relative;
    z-index: 2;
}
.home-hero h1 {
    font-size: clamp(4rem, 8vw, 6.5rem);
    line-height: .9;
    letter-spacing: -0.05em;
    margin-bottom: 1.5rem;
}
.home-hero p {
    font-size: 1.15rem;
    line-height: 1.8;
    max-width: 58ch;
    color: rgba(255,255,255,.86);
    margin-bottom: 2rem;
}
.home-hero h1, .home-hero p {
    padding-left: 1rem;
    padding-right: 1rem;
}
.home-hero, .contact-hero, .payment-hero {
    animation: glowReveal 1s ease-out forwards;
}

@keyframes glowReveal {
    from {
        opacity: 0.7;
        transform: scale(1.2);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}
/* ======================================================
   SECTION BASE
====================================================== */
.home-section {
    padding: clamp(5rem, 8vw, 8rem) 2rem;
}
.home-intro-row {
    display: flex;
    flex-direction: column;
}
.home-section h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
}
.home-section p {
    line-height: 1.8;
    color: rgba(0,0,0,.74);
    max-width: 60ch;
}
/* ======================================================
   PRODUCTS / PILLS
====================================================== */
.home-products {
    padding: 3rem 2rem;
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
}
/* ======================================================
   SVG FIXES
====================================================== */
.services-pill .safe-svg-cover svg {
    fill: none;
}
div.safe-svg-inside.safe-svg-inline.home-page-icon {
    width: 30px !important;
    height: 30px !important;
    object-fit: contain;
    vertical-align: middle;
}
/* ======================================================
   TYPOGRAPHY
   ====================================================== */
.services-pill h4 {
   font-size: clamp(1.1rem, 1.5vw, 1.5rem);
   font-weight: 600;
   line-height: 1.2;
   letter-spacing: -0.02em;
   transition: transform .3s ease, color .3s ease;
   margin: 0;
   text-decoration: none;
   color: inherit;
   flex: 1;
   min-width: 0;
}
.services-pill p {
    margin: 0;
    text-decoration: none;
    margin-top: .4rem;
    font-size: .98rem;
    line-height: 1.7;
    color: rgba(0,0,0,.62);
}
.services-pill a {
    margin: 0;
    text-decoration: none;
    color: inherit;
}
.home-products-note {
    position: relative;
    padding-top: 1.5rem;
}
.home-products-note::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 60px;
    height: 2px;
    background: var(--wp--preset--color--primary);
    opacity: .25;
}
/* ======================================================
   WRAPPER / LIST
====================================================== */
.services-pill-wrapper {
    margin-top: 4rem;
    border-top: 1px solid rgba(0,0,0,.08);
}
/* ======================================================
   INDIVIDUAL SERVICE ITEM
====================================================== */
.services-pill {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
    width: 100%;
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(0,0,0,.08);
    text-decoration: none;
    background: transparent;
    transition: padding .3s ease, border-color .3s ease;
}
/* ======================================================
   LEFT CONTENT GROUP
====================================================== */
.services-pill-content {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex: 1;
    min-width: 0;
}
/* ======================================================
   FULL CLICKABLE AREA
====================================================== */
.services-pill h2 a::after,
.services-pill h3 a::after,
.services-pill h4 a::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: 5;
}
/* ======================================================
   SVG / ICONS
====================================================== */
.services-pill .wp-block-image {
    margin: 0;
    line-height: 0;
    flex-shrink: 0;
}
.services-pill .safe-svg-cover svg {
    fill: none;
}
div.safe-svg-inside.safe-svg-inline.home-page-icon {
    width: 30px !important;
    height: 30px !important;
    object-fit: contain;
    vertical-align: middle;
    opacity: .8;
    transition: transform .3s ease, opacity .3s ease;
}
/* ======================================================
   RIGHT ARROW
====================================================== */
.services-pill::after {
    content: "\2192";
    flex-shrink: 0;
    margin-left: auto;
    font-size: 1.5rem;
    color: var(--wp--preset--color--primary);
    opacity: .35;
    transform: translateX(0);
    transition: transform .3s ease, opacity .3s ease;
}
/* ======================================================
   HOVER
====================================================== */
.services-pill:hover {
    padding-left: .5rem;
    border-color: rgba(110,22,42,.18);
}
.services-pill:hover h4 {
    transform: translateX(4px);
}
.services-pill:hover::after {
    transform: translateX(8px);
    opacity: 1;
}
.services-pill:hover
div.safe-svg-inside.safe-svg-inline.home-page-icon {
    transform: translateX(4px);
    opacity: 1;
}
/* ======================================================
   FEATURES
====================================================== */
.home-feature-section {
    margin-top: 4rem;
    margin-bottom: 4rem;
    padding: 2rem;
}
.home-feature-section h2 {
    margin-bottom: 3rem;
}
.home-feature-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 3rem
}
.home-feature-card {
    padding: 2.5rem 0 2.5rem 0;
    border: 1px solid rgba(0,0,0,.05);
    border-left: none;
    border-right: none;
    
}
.home-feature-card h3 {
    margin-bottom: 1rem;
    font-size: 1.5rem;
}
/* ======================================================
   General Services
====================================================== */
.services-intro {
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
    padding: 3rem 1rem;
}
.services-intro-content {
    width: min(760px, 100%);
}
.services-intro h2 {
    font-size: clamp(2.6rem, 5vw, 4.5rem);
    line-height: .95;
    letter-spacing: -0.04em;
    margin-bottom: 1.5rem;
    max-width: 12ch;
}
.services-intro p {
    font-size: 1.05rem;
    line-height: 1.8;
    color: rgba(0,0,0,.72);
}
/* ======================================================
   FEATURES STRIP
====================================================== */
.services-features-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}
.services-feature {
    padding: 2rem 2rem 2.25rem;
    border-radius: 28px;
    background: linear-gradient(180deg, #ffffff, #fafafa);
    border: 1px solid rgba(0,0,0,.05);
    transition: transform .3s ease, border-color .3s ease, box-shadow .3s ease;
}
/* GRID SETUP */
.services-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1rem;
    align-items: start;
    padding: 2rem;
}
/* ======================================================
   SERVICE CARD 
====================================================== */
.general-services-card {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    min-width: 0;
    height: 100%;
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(0,0,0,0.08);
    background: transparent;
    text-decoration: none;
    text-align: left !important;
    transition: transform 0.2s ease, border-color 0.2s ease; margin-top: 0;
}
/* TYPOGRAPHY */
.general-services-card h3,
.general-services-card h4 {
    width: 100%;
    margin: 0 0 0.75rem 0;
    font-size: 1rem;
    line-height: 1.2;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: var(--wp--preset--color--primary);
    text-align: left !important;
}
/* accent line */
.general-services-card h3::after,
.general-services-card h4::after {
    content: "";
    display: block;
    width: 42px;
    height: 2px;
    margin-top: 0.5rem;
    background: var(--wp--preset--color--primary);
}
.general-services-card p {
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--wp--preset--color--gray);
    text-align: left !important;
}
/* BUTTON */
.services-button {
    align-items: center;
    justify-content: flex-start;
    align-self: flex-start;
    gap: 0.35rem;
    margin-top: 1rem;
    padding: 0 !important;
    border: none;
    color: var(--wp--preset--color--primary);
    font-size: 0.95rem;
    font-weight: 600;
    line-height: 1.2;
    text-decoration: none;
    text-align: left !important;
    margin-left: 0 !important;
    white-space: nowrap;
}
.services-button a:focus,
.services-button a:focus-visible {
    outline: none;
    box-shadow: none;
}
.services-button a {
    padding-left: 0;
    width: auto !important;
}
/* arrow */
.services-button::after {
    content: "\2192";
    display: inline-block;
    line-height: 1;
}
.general-services-card .wp-block-buttons {
    margin-left: 0 !important;
}
/* ======================================================
   PROCESS SECTION
====================================================== */
.services-process, .services-intro {
    background: linear-gradient(180deg, rgba(110,22,42,.025), transparent);
    padding: 3rem 1rem;
}
.services-process-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 4rem;
}
.services-process-step {
    position: relative;
    padding-top: 2rem;
}
.services-process-step::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 60px;
    height: 2px;
    background: var(--wp--preset--color--primary);
    opacity: .25;
}
.services-process h2 {
    margin-bottom: 3rem;
}
.services-process-step h3 {
    margin-bottom: .85rem;
    font-size: 1.35rem;
}
.services-process-step p {
    margin: 0;
    line-height: 1.7;
}
/* ======================================================
   Specific Services Pages
====================================================== */
/* Home Insurance Page CSS */
.home-types-intro {
    position: relative;
    margin-top: 2rem;
    padding: 1.25rem 0 1.25rem 1.75rem;
    color: rgba(0,0,0,.68);
}
.home-types-intro::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    width: 3px;
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(180deg, var(--wp--preset--color--primary), rgba(110,22,42,.2));
}
/* Home Insurance banner */
.home-card-row {
    max-width: 800px;
    margin: var(--wp--preset--spacing--16);
    padding: var(--wp--preset--spacing--16);
    background: var(--wp--preset--color--warm-white);
    border-radius: 16px;
    border: 1px solid rgba(0,0,0,0.06);
    box-shadow: 0 6px 18px rgba(0,0,0,0.08);
    transition: all 0.2s ease;
    grid-template-columns: 1fr !important;
    row-gap: 1;
    align-items: start;
    border-bottom: none;
}
.home-card-row h3{
    font-size: var(--wp--preset--font-size--h-3);
    line-height: 1.2;
    color: var(--wp--preset--color--primary);
    margin-bottom: var(--wp--preset--spacing--16);
}
.home-card-row p{
    font-size: var(--wp--preset--font-size--body);
    line-height: 1.6;
    color: var(--wp--preset--color--grey);
    margin: 0;
}
/* Home Insurance intro question */
/* ======================================================
   question
====================================================== */
.home-know-your-stuff {
    background: linear-gradient(180deg, rgba(110,22,42,.025), transparent);
    padding: 3rem 1rem;
}

.home-know-your-stuff-intro h2, .understanding-heading, .farm-understanding-section-heading {
    margin-bottom: 1.25rem;
    padding-left: 1.5rem;
    font-size: clamp(2.5rem, 5vw, 4rem);
    margin-left: 0 !important;
    line-height: .95;
    letter-spacing: -.04em;
    max-width: 12ch;
}
.home-know-your-stuff-intro p {
    position: relative;
    margin-left: 0 !important;
    padding-left: 1.5rem;
    max-width: 65ch;
    line-height: 1.8;
    color: rgba(0,0,0,.72);
}
.home-know-your-stuff-intro p::before {
    content: "";
    position: absolute;
    left: 0;
    top: .35rem;
    width: 3px;
    height: calc(100% - .7rem);
    border-radius: 999px;
    background: var(--wp--preset--color--primary);
    opacity: .25;
}
.home-type-card {
    max-width: 800px;
    margin: var(--wp--preset--spacing--16);
    padding: var(--wp--preset--spacing--16);
    background: var(--wp--preset--color--warm-white);
    border-radius: 16px;
    border: 1px solid rgba(0,0,0,0.06);
    box-shadow: 0 6px 18px rgba(0,0,0,0.08);
    transition: all 0.2s ease;
}
.types-cards {
    grid-template-columns: 1fr;
}
/* Typography */
.home-type-card h3{
    font-size: var(--wp--preset--font-size--h-3);
    line-height: 1.2;
    color: var(--wp--preset--color--primary);
    margin-bottom: var(--wp--preset--spacing--16);
}
.home-type-card p{
    font-size: var(--wp--preset--font-size--body);
    line-height: 1.6;
    color: var(--wp--preset--color--grey);
    margin: 0;
}
/*Home Insurance Page Accordion */
.home-accordion-grid {
    background: linear-gradient(180deg, #faf7f5, #ffffff);
    display: grid;
    grid-template-columns: 1fr;
}
.home-accordion {
    margin-top: 3rem;
    gap: 1rem;
}
.home-accordion-title {
    padding: 1rem 1rem;
    font-size: var(--wp--preset--font-size--h-5) !important;
    font-weight: 600;
}
.home-accordion-content {
    padding: 0 1.75rem 1.75rem;
    margin-top: 0 !important;
}
.home-faq-section {
    margin-top: 2rem;
}
.home-faq-section p {
    margin-bottom: 1rem !important;
}
/* ======================================================
   Auto Insurance
====================================================== */
/* Types of auto insurance */
.auto-types-intro {
    margin: 4rem 0 3rem 0 !important;
    position: relative;
    margin-top: 2rem;
    padding: 1.25rem 0 1.25rem 1.75rem;
    color: rgba(0,0,0,.68);
}
.coverage-heading {
    margin: 4rem 0 3rem 0 !important;
}
.auto-types-intro::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    width: 3px;
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(180deg, var(--wp--preset--color--primary), rgba(110,22,42,.2));
}
/* Basic Coverage */
.auto-basic-coverage h3 {
    padding-right: 1rem;
}
.basic-coverage-cards {
    margin: var(--wp--preset--spacing--16);
    padding: var(--wp--preset--spacing--16);
    background: var(--wp--preset--color--warm-white);
    border-radius: 16px;
    border: 1px solid rgba(0,0,0,0.06);
    box-shadow: 0 6px 18px rgba(0,0,0,0.08);
    transition: all 0.2s ease;
    grid-template-columns: 1fr;
}
.basic-coverage-card {
    max-width: 500px;
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    min-width: 0;
    height: 100%;
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(0,0,0,0.08);
    background: transparent;
    text-decoration: none;
    text-align: left !important;
    transition: transform 0.2s ease, border-color 0.2s ease; margin-top: 0;
}
/* TYPOGRAPHY */
.basic-coverage-card h3,
.basic-coverage-card h4 {
    width: 100%;
    margin: 0 0 0.75rem 0;
    font-size: 1rem;
    line-height: 1.2;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: var(--wp--preset--color--primary);
    text-align: left !important;
}
/* accent line */
.basic-coverage-card h3::after,
.basic-coverage-card h4::after {
    content: "";
    display: block;
    width: 42px;
    height: 2px;
    margin-top: 0.5rem;
    background: var(--wp--preset--color--primary);
}
.basic-coverage-card p {
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--wp--preset--color--gray);
    text-align: left !important;
}
/* Additional Coverage Section CSS */
.additional-coverage {
    margin-top: 4rem;
    padding-left: 1rem;
    padding-right: 1rem;
}
.additional-coverage-grid {
    grid-template-columns: 1fr;
}
/* Accordion Section */
.auto-accordion-title {
    padding: 1.5rem 0;
    font-size: 1.08rem !important;
}
.auto-accordion-content {
    padding: 0 1.75rem 1.75rem;
    margin-top: 0 !important;
}
/* endorsements section */ 
.auto-endorsements {
    margin-top: 2rem;
}
.auto-endorsements p {
    margin-bottom: 1rem !important;
}
.endorsements-grid {
    grid-template-columns: 1fr;
}
/* Typography */
.auto-endorsements h4 {
    line-height: 1.2;
    color: var(--wp--preset--color--primary);
    margin-bottom: var(--wp--preset--spacing--16);
}
/* factors that affect premium section */
.premium-factors-section {
	margin-block: 5rem;
    padding: 3rem 1rem 3rem 1rem;
    background: linear-gradient(180deg, rgba(110,22,42,.04), rgba(110,22,42,.015));
}
/* intro area */
.premium-factors-intro {
	max-width: 570px;
	margin-left: 1rem !important;
	margin-bottom: 3rem;
}
.premium-factors-intro p {
	line-height: 1.7;
	color: rgba(0,0,0,0.72);
}
/* sub section layout */
.premium-factors-grid {
	grid-template-columns: repeat(2, 1fr);
	gap: 2rem;
}
/* category card */
.premium-factor-card {
	padding: 2rem;
	background: #fff;
	border: 1px solid rgba(0,0,0,0.08);
	border-radius: 1.5rem;
	box-shadow: 0 2px 8px rgba(0,0,0,0.03), 0 12px 30px rgba(0,0,0,0.04);
}
/* category heading */
.premium-factor-card h4 {
	margin-bottom: 1.75rem;
	font-size: 1.4rem;
	font-weight: 700;
	letter-spacing: -0.02em;
	position: relative;
	padding-bottom: 0.75rem;
}
/* divider line under heading */
.premium-factor-card h4::after {
	content: "";
	position: absolute;
	left: 0;
	bottom: 0;
	width: 3rem;
	height: 3px;
	border-radius: 999px;
	background: var(--wp--preset--color--primary);
}
/* each factor item */
.premium-factor-item {
	padding-block: 1rem;
	border-bottom: 1px solid rgba(0,0,0,0.06);
}
/* item title */
.premium-factor-item h5 {
	margin-bottom: 0.5rem;
	font-size: 1rem;
	font-weight: 600;
	line-height: 1.3;
}
/* item summary */
.premium-factor-item p {
	margin: 0;
	font-size: 1rem;
	line-height: 1.6;
	color: rgba(0,0,0,0.72);
}
/* lower premium card CARD */
.lower-content-intro {
    margin: 4rem 0 3rem 0;
}
.factors-lower {
    padding: 1rem;
    margin-bottom: 4rem;
}
.auto-lower-premium, .farm-limitations-grid {
    grid-template-columns: 1fr;
}
.auto-lower-box, .farm-limitations-grid-item, .business-considerations-grid-items {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    min-width: 0;
    height: 100%;
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(0,0,0,0.08);
    background: transparent;
    text-decoration: none;
    text-align: left !important;
    transition: transform 0.2s ease, border-color 0.2s ease; margin-top: 0;
}
/* TYPOGRAPHY */
.auto-lower-box h3,
.auto-lower-box h4, .farm-limitations-grid-item h3, .farm-limitations-grid-item h4, 
.business-considerations-grid-items h4 {
    width: 100%;
    margin: 0 0 0.75rem 0;
    font-size: 1rem;
    line-height: 1.2;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    text-align: left !important;
}
/* accent line */
.auto-lower-box h3::after,
.auto-lower-box h4::after, .farm-limitations-grid-item h3::after, .farm-limitations-grid-item h4::after, 
.business-considerations-grid-items h4::after{
    content: "";
    display: block;
    width: 42px;
    height: 2px;
    margin-top: 0.5rem;
    background: var(--wp--preset--color--primary);
}
.auto-lower-box p, .farm-limitations-grid-item p, .business-considerations-grid-items p {
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--wp--preset--color--gray);
    text-align: left !important;
}
/* ======================================================
   Farm Insurance
====================================================== */
.services-banner-content p {
    max-width: 500px;
}
.farm-intro-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 6vw, 7rem);
    align-items: start;
}
.farm-intro-layout h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.farm-highlight-panel {
    padding: 2.5rem;
    border-radius: 32px;
    background: linear-gradient(180deg, #faf7f5, #f4f0ee);
    border: 1px solid rgba(0,0,0,.05);
}
.farm-eyebrow {
    display: inline-block;
    margin-bottom: 1rem;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--wp--preset--color--primary);
}
.farm-highlight-panel ul {
    display: grid;
    gap: .9rem;
    padding-left: 1rem;
}
.farm-highlight-panel li {
    line-height: 1.6;
}
.farm-coverage-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 4rem;
}
/* ======================================================
   COVERAGE CARDS
====================================================== */
.farm-coverage-card {
    position: relative;
    padding: clamp(2rem, 3vw, 3rem);
    border-radius: 32px;
    background: linear-gradient(180deg, #ffffff, #fafafa);
    border: 1px solid rgba(0,0,0,.05);
    overflow: hidden;
    transition:transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.farm-coverage-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 20px 50px rgba(0,0,0,.06);
    border-color: rgba(110,22,42,.14);
}
.farm-coverage-card h3 {
    font-size: clamp(1.7rem, 2vw, 2.4rem);
    margin-bottom: 1rem;
}
.farm-coverage-card p {
    margin-bottom: 1.5rem;
}
.farm-coverage-card ul {
    display: grid;
    gap: .85rem;
    padding-left: 1.2rem;
    margin: 0;
}
.farm-coverage-card li {
    line-height: 1.6;
    color: rgba(0,0,0,.76);
}
.farm-coverage-card li::marker {
    color: var(--wp--preset--color--primary);
}
.farm-card-note {
    margin-top: 2rem;
    padding-left: 1.25rem;
    border-left: 3px solid var(--wp--preset--color--primary);
    font-size: .96rem;
    line-height: 1.7;
    color: rgba(0,0,0,.68);
}
.farm-liability-section {
    background: linear-gradient( 180deg, rgba(110,22,42,.03), transparent);
    padding: clamp(2.5rem, 5vw, 4rem);
}
/* ======================================================
   INTRO
====================================================== */
.farm-liability-intro {
    margin-bottom: 2rem;
}
.farm-liability-intro > h3 {
    margin-bottom: 1rem;
    max-width: 12ch;
    font-size: clamp(2.25rem, 4vw, 3.5rem);
    line-height: .95;
    letter-spacing: -.04em;
    margin-left: 0 !important;
}
.farm-liability-intro > p:first-of-type {
    max-width: 60ch;
    margin-bottom: 1rem;
    line-height: 1.8;
    margin-left: 0 !important;
}
.farm-liability-intro > p:nth-of-type(2) {
    position: relative;
    max-width: 60ch;
    padding-left: 1.25rem;
    line-height: 1.8;
    color: rgba(0,0,0,.68);
    margin-left: 0 !important;
}
.farm-liability-intro > p:nth-of-type(2)::before {
    content: "";
    position: absolute;
    left: 0;
    top: .35rem;
    width: 3px;
    height: calc(100% - .7rem);
    border-radius: 999px;
    background: var(--wp--preset--color--primary);
    opacity: .25;
}
.farm-liability-layout {
    display: grid;
    grid-template-columns: 1fr;
    align-items: start;
    margin-top: 3rem;
}
.farm-liability-panel {
    padding: 2.5rem;
    border-radius: 30px;
    background: white;
    border: 1px solid rgba(0,0,0,.05);
}
.farm-liability-panel h4 {
    margin-bottom: 1rem;
    font-size: .82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--wp--preset--color--primary);
    opacity: .8;
}
.farm-liability-panel ul {
    display: grid;
    margin-bottom: 2rem;
}
.farm-types-of-coverage {
    margin-top: 3rem;
    padding: 2.5rem;
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
    border-radius: 0 24px 24px 0;
}
.farm-types-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 3rem;
}
.farm-type-card {
    padding: 2.5rem;
    border-radius: 28px;
    background: linear-gradient( 180deg, #faf7f5, #ffffff);
    border: 1px solid rgba(0,0,0,.05);
}
.farm-type-card h3 {
    margin-bottom: 1rem;
    font-size: 1.8rem;
}
/* ======================================================
   ACCORDION SECTION
====================================================== */
.farm-accordion-section {
    background: linear-gradient(180deg, #faf7f5, #ffffff);
    display: grid;
    grid-template-columns: 1fr;
}
.farm-accordion {
    margin-top: 3rem;
    gap: 1rem;
}
.farm-accordion-item {
    background: white;
    border-radius: 22px;
    border: 1px solid rgba(0,0,0,.06);
    overflow: hidden;
}
.farm-accordion-title {
    padding: 1.5rem 1.75rem;
    font-size: 1.08rem;
    font-weight: 600;
}
.farm-accordion-content {
    padding: 0 1.75rem 1.75rem;
    margin-top: 0 !important;
}
.farm-values-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 3rem;
}
.farm-value-card {
    padding: 2.5rem;
    border-radius: 28px;
    background: white;
    border: 1px solid rgba(0,0,0,.05);
}
.farm-value-card h3 {
    margin-bottom: 1rem;
    font-size: 1.7rem;
}
.services-banner, .farm-intro-layout, 
.farm-what-is-covered, .farm-types-of-coverage, 
.farm-coverage-limits, .farm-limitations {
    margin-bottom: 4rem !important;
}
.farm-coverage-limits {
    padding-left: 1rem;
}
.farm-limitations-grid {
    gap: 2rem;
}
.farm-limitations-grid ul {
    margin-left: 0 !important;
    margin-bottom: 1rem;
}
.farm-limitations {
    padding-left: 1rem;
    padding-right: 1rem;
    padding-top: 2rem !important;
}
.farm-limitations h2 {
    margin-bottom: 1rem !important;
}
.farm-limitations-box {
    margin-top: 3rem;
    padding: 2.5rem;
    border-left: 4px solid var(--wp--preset--color--primary);
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
    border-radius: 0 24px 24px 0;
}
.farm-limitations-box ul {
    display: grid;
    gap: .85rem;
    padding-left: 1rem;
    margin-top: 1rem;
}
/* Business Insurance page CSS */
/*general CSS */
.business-understanding-section {
    margin-top: 4rem;
    margin-bottom: 4rem;
    padding-left: 1rem;
    padding-right: 1rem;
}
.business-understanding-section h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.business-understanding-section p {
    margin-top: 2rem;
    padding-left: 1rem;
    border-left: 3px solid var(--wp--preset--color--primary);
    font-size: .96rem;
    line-height: 1.7;
    color: rgba(0,0,0,.68);
    max-width: 80ch;
    margin-left: 0 !important;
}
.checklist-content {
    margin-left: 4rem !important;
}
/* Business Coverages Css */
.business-considerations {
    padding: 3rem;
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
}
.business-coverages-grid, .business-considerations-grid {
    grid-template-columns: 1fr;
}
.business-considerations-grid-items .wp-block-list {
    margin-left: 0 !important;
}
.business-coverages-grid-items {
    padding: 1rem;
    background: var(--wp--preset--color--warm-white);
    border: 1px solid rgba(0,0,0,0.06);
    border-radius: 24px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.06);
    transition: transform 0.25s ease,  box-shadow 0.25s ease, border-color 0.25s ease;
}
.business-coverages-grid-items h4 {
    line-height: 1.1;
    color: var(--wp--preset--color--primary);
}
.business-coverages-content p {
    margin-left: 1rem !important;
}
/* ========================================
   BUSINESS CHECKLIST SECTION
======================================== */
.business-checklist {
    margin-bottom: 4rem;
    padding-left: 1rem;
    padding-right: 1rem;
}
.business-checklist p {
    margin-bottom: 3rem;
}
.business-best-practices-grid {
    margin-top: 4rem;
    display: grid;
    gap: 1.5rem;
    grid-template-columns: 1fr;
}
/* ========================================
   ICON
======================================== */
.check-icon svg {
    position: relative;
    width: 56px;
    height: 56px;
    border-radius: 18px;
    background: linear-gradient(180deg,rgba(110,22,42,.10), rgba(110,22,42,.04));
    flex-shrink: 0;
}
/* checkmark */
.check-icon svg::before {
    content: "";
    position: absolute;
    top: 50%;
    left: 50%;
    width: 18px;
    height: 10px;
    border-left: 3px solid var(--wp--preset--color--primary);
    border-bottom: 3px solid var(--wp--preset--color--primary);
    transform: translate(-50%, -60%) rotate(-45deg);
}
.best-prac-check-title {
    margin-bottom: 1rem;
}
/* ========================================
   CONTENT
======================================== */
.business-best-practices-grid-items h3 {
    margin-bottom: .5rem;
    font-size: clamp(1.15rem, 2vw, 1.4rem);
    line-height: 1.15;
}
.business-best-practices-grid-items p {
    margin: 0;
    line-height: 1.7;
    color: rgba(0,0,0,.72);
    max-width: 58ch;
}
/* ========================================
   Tenant Insurance Page CSS
======================================== */
/* Tenant Intro Sections */
.tenant-intro {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 5vw, 5rem);
    align-items: start;
    margin-bottom: 4rem !important;
    margin-top: 4rem !important;
}
.tenant-intro h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.tenant-highlight-card {
    padding: 2rem;
    background: #f7f7f7;
    border-radius: 24px;
    border: 1px solid rgba(0,0,0,.06);
}
.tenant-highlight-card h3 {
    margin-bottom: 1rem;
}
.tenant-highlight-card ul {
    display: grid;
    gap: .75rem;
    padding-left: 1rem;
}
/* Why you may need coverage section */
.why-coverage-section {
    margin-bottom: 4rem;
}
.tenant-scenarios-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    margin: 3rem 0 4rem 0;
}
.tenant-scenario-card {
    padding: 2rem;
    border-radius: 24px;
    background: white;
    border: 1px solid rgba(0,0,0,.06);
    transition: transform .3s ease, box-shadow .3s ease;
}
.tenant-scenario-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 18px 40px rgba(0,0,0,.08);
}
.tenant-scenario-card h3 {
    margin: 1.25rem 0 .75rem;
    font-size: var(--wp--preset--font-size--h-4);
}
/* coverage rows CSS */
.coverage-rows-section {
    background: linear-gradient(180deg, rgba(110,22,42,.025), transparent);
    padding: 3rem 1rem;
    margin-bottom: 4rem;
}
.coverage-stack {
    display: grid;
    gap: 2rem;
    margin-top: 3rem;
}
.coverage-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid rgba(0,0,0,.08);
    align-items: center;
}
.coverage-row:last-child {
    border-bottom: none;
}
.coverage-row h3 {
    margin: 0;
    font-size: var(--wp--preset--font-size--h-4);
}
.coverage-comparison {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}
.comparison-card {
    padding: 2.5rem;
    border-radius: 28px;
    background: linear-gradient(180deg, #ffffff, #f7f7f7);
    border: 1px solid rgba(0,0,0,.06);
}
.comparison-card h3 {
    margin-bottom: 1rem;
}
/* settlements and claims */
.understanding-claims-section {
    margin-bottom: 4rem;
}
.settlement-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}
.settlement-card {
    padding: 2rem;
    background: white;
    border-radius: 24px;
    border: 1px solid rgba(0,0,0,.06);
    position: relative;
}
/* tenant cost factors */
.cost-factors-section {
    margin-bottom: 4rem;
}
.cost-factor-grid {
    grid-template-columns: repeat(2, 1fr);
    margin-top: 3rem;
}
.cost-factor-card {
    padding: 1.5rem;
    border: 1px solid var(--wp--preset--color--grey);
    border-radius: 16px;
    background: white;
}
.cost-factor-card h3 {
    margin-bottom: .5rem;
    font-size: 1.1rem;
}
.cost-factor-card p {
    font-size: .95rem;
    line-height: 1.5;
}
/* ========================================
   Condo Insurance Page CSS
======================================== */
.condo-intro, .condo-management,
.condo-coverage-section, .condo-protection-section,
.optional-coverage-section {
    margin-bottom: 4rem;
}
/* condo intro section */
.condo-intro {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 5vw, 6rem);
    align-items: start;
}
.condo-intro h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.condo-property-card {
    padding: 2.5rem;
    border-radius: 28px;
    background: #fafafa;
    border: 1px solid rgba(0,0,0,.05);
    position: relative;
}
.condo-property-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 2rem;
    width: 64px;
    height: 4px;
    background: var(--wp--preset--color--primary);
    border-radius: 999px;
}
.condo-property-card ul {
    display: grid;
    gap: .85rem;
    padding-left: 1rem;
}
/* property management CSS */
.condo-management-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    margin-top: 3rem;
}
.condo-management-card {
    padding: 2rem;
    background: white;
    border: 1px solid rgba(0,0,0,.06);
    border-radius: 22px;
    transition: border-color .3s ease, transform .3s ease;
}
.condo-management-card:first-child{
    margin-top: 19.2px;
}
.condo-management-card:hover {
    transform: translateY(-4px);
    border-color: rgba(110,22,42,.2);
}
.condo-management-card h3 {
    margin-bottom: .85rem;
}
/* coverage split section */
.condo-coverage-split {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}
.coverage-panel {
    padding: 2.5rem;
    border-radius: 32px;
    background: linear-gradient(180deg, #ffffff, #f8f8f8);
    border: 1px solid rgba(0,0,0,.06);
}
.coverage-panel h3 {
    margin-bottom: 1.5rem;
}
.coverage-panel ul {
    display: grid;
    gap: 1rem;
    padding-left: 1rem;
}
.coverage-panel li::marker {
    color: var(--wp--preset--color--primary);
}
/* why is it needed */
.condo-protection-section {
    padding: 3rem 1rem;
    background: linear-gradient(180deg, rgba(110,22,42,.04), rgba(110,22,42,.015));
}
.condo-protection-layout {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: clamp(2rem, 5vw, 5rem);
    align-items: center;
}
.condo-risk-card {
    padding: 2.5rem;
    background: white;
    border-radius: 28px;
    box-shadow: 0 20px 50px rgba(0,0,0,.05);
}
.condo-risk-card ul {
    display: grid;
    gap: 1rem;
    padding-left: 1rem;
}
/* optional coverage cards */
.optional-coverage-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.75rem;
    margin-top: 3rem;
}
.optional-coverage-card {
    padding: 2.5rem;
    border-radius: 30px;
    background: white;
    border: 1px solid rgba(0,0,0,.06);
    position: relative;
    overflow: hidden;
    transition: transform .35s ease, box-shadow .35s ease;
}
.optional-coverage-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(110,22,42,.03),transparent);
    pointer-events: none;
}
.optional-coverage-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 24px 60px rgba(0,0,0,.08);
}
.optional-coverage-card h3 {
    margin-bottom: 1rem;
}
/* ========================================
   Life Insurance Page CSS
======================================== */
.life-planning-layout, .life-benefits,
.life-editorial-section, .life-accordion-section,
.life-advisors-section {
    margin-bottom: 4rem;
}
/* life insurance planning section */
.life-planning-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 6vw, 7rem);
    align-items: start;
    margin-bottom: 4rem !important;
    padding-left: 1rem;
    padding-right: 1rem;
    margin-top: 4rem !important;
}

.life-planning-layout h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.life-highlight-panel {
    padding: 2.5rem;
    background: linear-gradient(180deg, #faf7f5, #f5f1ef);
    border-radius: 32px;
    border: 1px solid rgba(0,0,0,.05);
}
.life-eyebrow {
    display: inline-block;
    margin-bottom: 1rem;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--wp--preset--color--primary);
}
.life-highlight-panel ul {
    display: grid;
    gap: 1rem;
    padding-left: 1rem;
}
/* ======================================================
   BENEFITS
====================================================== */
.life-benefits {
    margin-top: 4rem;
}
.life-benefits-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(2rem, 5vw, 5rem);
    align-items: center;
}
.life-benefits-image img {
    border-radius: 32px;
}
.life-benefit-item {
    padding-bottom: 1.75rem;
    margin-bottom: 1.75rem;
    border-bottom: 1px solid rgba(0,0,0,.08);
}
.life-benefit-item h3 {
    margin-bottom: .75rem;
    font-size: clamp(1.4rem, 2vw, 1.8rem);
    line-height: 1.1;
}
.life-benefit-item p {
    margin: 0;
    line-height: 1.75;
    color: rgba(0,0,0,.7);
}
/* ======================================================
   LONG TERM SECURITY
====================================================== */
.life-long-term {
    padding: clamp(3rem, 6vw, 5rem);
    background: linear-gradient(180deg, rgba(110,22,42,.03), transparent);
    border-radius: 36px;
}
.life-long-term-intro h2 {
    font-size: clamp(2.5rem, 4vw, 4rem);
    line-height: 1.02;
    letter-spacing: -0.03em;
    margin-bottom: 1.25rem;
    max-width: 16ch;
    margin-left: 0 !important;
}
.life-long-term-intro p {
    max-width: 65ch;
    margin-left: 0 !important;
    margin-bottom: 3rem !important;
}
.life-long-term-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}
.life-long-term-item {
    padding: 2rem;
    background: white;
    border-radius: 24px;
    border: 1px solid rgba(0,0,0,.05);
}
.life-long-term-item h3 {
    margin-bottom: .75rem;
}
.life-long-term-item p {
    margin: 0;
}
/* ======================================================
   LIFE STAGES
====================================================== */
.life-stage-planning {
    margin-bottom: 4rem !important;
    padding: 4rem 1rem;
}
.life-stages-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    margin-top: 3rem;
}
.life-stage-card {
    padding: 2rem;
    border-radius: 24px;
    background: linear-gradient(180deg, #ffffff, #fafafa);
    border: 1px solid rgba(0,0,0,.05);
    height: 100%;
    width: 100%;
}
.life-stage-card h3 {
    margin-bottom: .75rem;
    font-size: 1.25rem;
}
.life-stage-card p {
    margin: 0;
    line-height: 1.7;
    color: rgba(0,0,0,.68);
}
/* Financial protection section */
.life-editorial-section {
    position: relative;
    padding: 6rem 1rem;
    background: linear-gradient(180deg, rgba(110,22,42,.04), rgba(110,22,42,.015));
}
.life-editorial-content {
    width: min(820px, 92%);
}
.life-editorial-section h2 {
    max-width: 15ch;
}
.life-editorial-callout {
    margin-top: 2.5rem;
    padding-left: 1.5rem;
    border-left: 3px solid var(--wp--preset--color--primary);
    font-size: 1.1rem;
    font-weight: 500;
    color: rgba(0,0,0,.82);
}
/* Life Insurance Accordion */
.life-accordion-section {
    margin-bottom: 4rem;
    padding: clamp(3rem, 6vw, 5rem);
}
.life-accordion-section h2 {
    margin-bottom: 3rem;
}
.life-accordion-grid {
    grid-template-columns: 1fr;
}
.life-accordion {
    margin-top: 3rem;
    display: grid;
    gap: 1rem;
}
.life-accordion-item {
    border: 1px solid rgba(0,0,0,.06);
    border-radius: 22px;
    overflow: hidden;
    background: white;
}
.life-accordion-title {
    padding: 1.5rem 1.75rem;
    font-size: 1.1rem;
    font-weight: 600;
}
.life-accordion-content {
    padding: 0 1.75rem 1.75rem;
}
/* life insurance advisor information */
.life-advisors-section {
    margin-top: 4rem;
    position: relative;
    padding: 6rem 4rem 6rem 4rem;
    background: linear-gradient(180deg, rgba(110,22,42,.04), rgba(110,22,42,.015));
}
.life-advisors-section p {
    margin-bottom: 3rem;
}
.life-advisor-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-top: 3rem;
}
.life-advisor-card {
    padding: 2.5rem;
    border-radius: 30px;
    background: white;
    border: 1px solid rgba(0,0,0,.05);
    box-shadow: 0 12px 40px rgba(0,0,0,.04);
}
.life-advisor-company {
    margin-bottom: 1.5rem;
    opacity: .7;
}
/* CTA CSS */
.service-cta {
    padding: 1rem;
    background: var(--wp--preset--color--warm-white);
    border: 1px solid rgba(0,0,0,0.06);
    border-radius: 24px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.06);
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
    text-align: center;
    margin-bottom: 3rem;
}
.service-cta a {
	background: linear-gradient(135deg,#6e162a 0%, #8a213b 100%);
	color: #fff;
	padding: 1rem 1.75rem;
	border-radius: 14px;
	border: 1px solid rgba(255,255,255,.08);
	font-weight: 600;
	letter-spacing: 0.02em;
	box-shadow: 0 10px 30px rgba(110,22,42,.22), inset 0 1px 0 rgba(255,255,255,.08);
	transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}
.service-cta a:hover {
	transform: translateY(-2px);
	box-shadow: 0 16px 40px rgba(110,22,42,.32), inset 0 1px 0 rgba(255,255,255,.1);
}
/* ========================================
   Contact Page
======================================== */
.contact-hero {
    position: relative;
    overflow: hidden;
    padding: clamp(2rem, 4vw, 3rem);
    background: linear-gradient(155deg,#6e162a 0%,#6e162a 38%,#9e707c 100%);
    color: white;
    margin-bottom: 4rem;
}
.contact-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right,rgba(255,255,255,.08), transparent 42%);
    pointer-events: none;
}
.contact-hero__inner {
    width: min(1200px, 92%);
    margin-inline: auto;
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    align-items: center;
    position: relative;
    z-index: 2;
}
.contact-hero h1 {
    font-size: clamp(3rem, 6vw, 4.75rem);
    line-height: .9;
    letter-spacing: -.05em;
    margin-bottom: 1rem;
}
.contact-hero p {
    font-size: 1.05rem;
    line-height: 1.8;
    max-width: 58ch;
    color: rgba(255,255,255,.86);
    margin-bottom: 0;
}
/* ======================================================
   CONTACT LAYOUT
====================================================== */
.contact-layout {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: clamp(2rem, 5vw, 5rem);
    align-items: start;
    margin-bottom: 5rem;
}
/* ======================================================
   CONTACT INFO
====================================================== */
.contact-info h2 {
    margin-bottom: 2rem;
}
.contact-card {
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(0,0,0,.08);
}
.contact-card:first-of-type {
    padding-top: 0;
}
.contact-card h3 {
    margin-bottom: .5rem;
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--wp--preset--color--primary);
    opacity: .75;
}
.contact-card p {
    margin: 0;
    line-height: 1.7;
}
/* ======================================================
   FORM PANEL
====================================================== */
.contact-form {
    padding: clamp(2rem, 4vw, 3rem);
    background: white;
    border-radius: 30px;
    border: 1px solid rgba(0,0,0,.06);
    box-shadow: 0 10px 30px rgba(0,0,0,.05);
}
/* ======================================================
   FLUENT FORMS
====================================================== */
.contact-form input,
.contact-form textarea,
.contact-form select {
    border-radius: 14px !important;
    border: 1px solid rgba(0,0,0,.12) !important;
}
.contact-form textarea {
    min-height: 100px;
}
.contact-form button,
.contact-form input[type="submit"] {
    padding: .9rem 1.6rem !important;
    background: var(--wp--preset--color--primary) !important;
    border: 0 !important;
}
/* ======================================================
   MAP SECTION
====================================================== */
.contact-map-section {
    margin-top: 5rem !important;
    margin-bottom: 4rem !important;
}
.contact-map-section h2 {
    margin-bottom: 1rem;
}
.contact-map-section p {
    max-width: 65ch;
    margin-left: 0 !important;
    margin-bottom: 2rem;
}
/* ======================================================
   MAP
====================================================== */
.contact-map-wrapper {
    overflow: hidden;
    border-radius: 32px;
    border: 1px solid rgba(0,0,0,.06);
    box-shadow: 0 12px 30px rgba(0,0,0,.05);
}
.contact-map-wrapper iframe {
    display: block;
    width: 100%;
    min-height: 500px;
    border: 0;
}
/* ======================================================
   CLAIMS SECTION
====================================================== */
.resources-claims, .resources-forms {
    padding-left: 1rem;
    padding-right: 1rem;
}
.resources-claims {
    margin-block: 5rem;
}
.resources-claims-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 4vw, 4rem);
    margin-top: 3rem;
}
.claim-card {
    padding: 0 0 2rem 0;
    background: transparent;
    border: 0;
    border-bottom: 1px solid rgba(0,0,0,.08);
    border-radius: 0;
    box-shadow: none;
    margin-left: 0 !important;
    transition: border-color .25s ease;
}
.claim-card:hover {
    border-color: rgba(110,22,42,.25);
}
.claim-card h3 {
    margin-bottom: 1rem;
    font-size: clamp(1.5rem, 2vw, 2rem);
}
.claim-card p {
    margin-bottom: .75rem;
    color: rgba(0,0,0,.72);
}
/* ======================================================
   FORMS / RESOURCES
====================================================== */
.resources-forms {
    margin-block: 6rem;
}
.resources-form-list {
    margin-top: 3rem;
    border-top: 1px solid rgba(0,0,0,.08);
}
.resource-item {
    position: relative;
    padding: 2rem 0;
    border-bottom: 1px solid rgba(0,0,0,.08);
    transition: padding-left .25s ease, border-color .25s ease;
}
.resource-item:hover {
    padding-left: .5rem;
    border-color: rgba(110,22,42,.18);
}
.resource-item h3 {
    margin-bottom: .5rem;
    font-size: clamp(1.2rem, 2vw, 1.5rem);
    line-height: 1.2;
}
.resource-item p {
    max-width: 65ch;
    margin-left: 0 !important;
    margin-bottom: 1rem;
    color: rgba(0,0,0,.65);
}
/* ======================================================
   DOWNLOAD LINK
====================================================== */
.resource-download {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    font-weight: 600;
    color: var(--wp--preset--color--primary);
    text-decoration: none;
}
.resource-download::after {
    content: "\2192";
    opacity: .5;
    transition: transform .25s ease, opacity .25s ease;
}
.resource-download:hover::after {
    transform: translateX(5px);
    opacity: 1;
}
/* ======================================================
   INTRO TEXT
====================================================== */
.section-intro {
    max-width: 70ch;
    margin-left: 0 !important;
    padding-left: 1.5rem;
    border-left: 3px solid var(--wp--preset--color--primary);
    color: rgba(0,0,0,.7);
}
/* ======================================================
   PAYMENT OPTIONS
====================================================== */
/* ======================================================
   PAYMENT HERO
====================================================== */
.payment-hero {
    position: relative;
    overflow: hidden;
    padding: clamp(3rem, 6vw, 5rem) 2rem;
    background: linear-gradient(155deg, #6e162a 0%, #6e162a 45%, #9e707c 100%);
    color: white;
    margin-bottom: 5rem;
}
.payment-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(255,255,255,.05), transparent 45%);
    pointer-events: none;
}
.payment-hero__inner {
    width: min(1100px, 92%);
    margin-inline: auto;
    position: relative;
    z-index: 2;
}
.payment-hero-eyebrow {
    display: inline-block;
    margin-bottom: 1rem;
    font-size: .85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: rgba(255,255,255,.72);
}
.payment-hero h1 {
    font-size: clamp(2.75rem, 6vw, 4.5rem);
    line-height: .95;
    letter-spacing: -.04em;
    margin-bottom: 1.25rem;
}
.payment-hero p {
    max-width: 60ch;
    margin-left: 0 !important;
    font-size: 1.05rem;
    line-height: 1.8;
    color: rgba(255,255,255,.85);
    margin: 0;
}
.payment-options {
    margin-block: 5rem;
    padding-left: 1rem;
    padding-right: 1rem;
}
.payment-options h2 {
    margin-bottom: 3rem !important;
}
.payment-options-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: clamp(2rem, 4vw, 4rem);
}
.payment-option {
    padding-bottom: 2rem;
    border-bottom: 1px solid rgba(0,0,0,.08);
}
.payment-option h3 {
    margin-bottom: 1rem;
}
.payment-option p {
    color: rgba(0,0,0,.7);
}
.payment-option strong {
    display: block;
    margin-top: 1.5rem;
    margin-bottom: .5rem;
    color: var(--wp--preset--color--primary);
}
.payment-companies-label {
    position: relative;
    margin-top: 2rem;
    padding: 1.25rem 0 1.25rem 1.75rem;
    color: rgba(0,0,0,.68);
}
.payment-companies-label::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    width: 3px;
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(180deg, var(--wp--preset--color--primary), rgba(110,22,42,.2));
}
/* ======================================================
   COMPANY GRID
====================================================== */
.payment-companies {
    margin-top: 3rem;
}
.payment-company-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}
.payment-company {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-left: 0 !important;
    min-height: 140px;
    padding: 2rem;
    border: 1px solid rgba(0,0,0,.08);
    border-radius: 24px;
    background: white;
    transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
    position: relative;
}
.payment-company a::after {
    content: "";
    position: absolute;
    inset: 0;
}
.payment-company:hover {
    transform: translateY(-4px);
    border-color: rgba(110,22,42,.18);
    box-shadow: 0 10px 24px rgba(0,0,0,.05);
}
.payment-company img {
    max-width: 180px;
    width: 100%;
    height: auto;
}
/* ========================================
   Privacy Policy CSS
======================================== */
.privacy-policy-section {
    max-width: 900px;
    margin: 0 auto;
}
.privacy-policy-section h2 {
    margin-top: 3rem;
    margin-bottom: 1rem;
    color: var(--wp--preset--color--primary);
    font-size: clamp(1.5rem, 3vw, 2rem);
    border-bottom: 1px solid rgba(0,0,0,.08);
    padding-bottom: .75rem;
}
.privacy-policy-section p {
    line-height: 1.8;
    color: rgba(0,0,0,.8);
}
.privacy-policy-section ul {
    margin-top: 1rem;
    padding-left: 1.25rem;
}
.privacy-policy-section li {
    margin-bottom: .5rem;
}
.privacy-contact {
    margin-top: 3rem;
    padding: 2rem;
    background: rgba(110,22,42,.03);
    border-left: 4px solid var(--wp--preset--color--primary);
}
/* ========================================
   QUERIES
======================================== */

/* ========================================
   Mobile QUERIES
======================================== */
@media (min-width: 768px) {
    /*Homepage Queries */
    .home-hero {
        padding: clamp(8rem, 11vw, 11rem) 0;
    }
    .home-hero__inner {
        grid-template-columns: 1.1fr .9fr;
    }
    .home-feature-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .services-pill::after {
        flex-shrink: 0;
        padding-left: 1rem;
    }
    .home-intro-row {
        flex-direction: row;
    }
    .home-feature-section {
        padding: 0;
    }

    /*General Services Queries */
    .services-features-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .services-process-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
    .general-services-card {
        padding: 2rem 0;
    }
    .general-services-card h3,
    .general-services-card h4 {
        font-size: 1.05rem;
    }
    .general-services-card p {
        font-size: 1rem;
    }

    /* Home Insurance Queries */
    .home-card-row {
        margin: var(--wp--preset--spacing--16) auto;
        padding: var(--wp--preset--spacing--32);
        grid-template-columns: 220px 1fr !important;
        column-gap: 1.5rem;
        row-gap: 0;
    }
    .home-type-card {
        margin: var(--wp--preset--spacing--16) auto;
        padding: var(--wp--preset--spacing--32);
        grid-template-columns: repeat(3, 1fr);
    }
    .types-cards {
        grid-template-columns: repeat(3, 1fr);
    }

    /*Auto insurance queries */
    .basic-coverage-cards, .home-accordion-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
    .basic-coverage-card {
        padding: 2rem 0;
    }
    .basic-coverage-card h3, .basic-coverage-card h4, .auto-lower-box h3, .auto-lower-box h4, 
    .farm-limitations-grid-item h3, .farm-limitations-grid-item h4, .business-considerations-grid-items h4 {
        font-size: 1.05rem;
    }
    .basic-coverage-card p, .auto-lower-box p, .farm-limitations-grid-item p, 
    .business-considerations-grid-items p {
        font-size: 1rem;
    }
    .auto-additional-grid-items {
        margin: var(--wp--preset--spacing--16) auto;
        padding: var(--wp--preset--spacing--32);
    }
    .additional-coverage-grid {
        grid-template-columns: repeat(3, 1fr)
    }
    .auto-lower-box, .farm-limitations-grid-item {
        padding: 2rem 0;
    }
    .auto-lower-premium, .farm-limitations-grid, .endorsements-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    /*Business Insurance Queries */
    .business-coverages-grid, .business-considerations-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .business-best-practices-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    /* Condo Queries */
    .condo-management-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .condo-intro {
        grid-template-columns: 1.2fr .8fr;
    }
    /* Tenant Queries */
    .tenant-intro {
        grid-template-columns: 1.3fr .7fr;
    }
    .coverage-row {
        grid-template-columns: 280px 1fr;
    }
    .optional-coverage-grid, .tenant-scenarios-grid, .cost-factor-grid {
        grid-template-columns: repeat(3, 1fr)
    }

    /* Farm Insurance Queries */
    .farm-intro-layout {
        grid-template-columns: 1.2fr .8fr;
    }
    .farm-coverage-grid, .farm-types-grid, .farm-accordion-section, .farm-values-layout {
        grid-template-columns: repeat(2, 1fr);
    }
    .farm-liability-layout {
        grid-template-columns: 1.1fr .9fr;
    }

    /* Life Queries */
    .life-stages-grid {
        grid-template-columns: repeat(4, 1fr);
    }
    .life-advisor-grid, .life-long-term-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .life-planning-layout {
        grid-template-columns: 1.2fr .8fr;
    }
    .life-accordion-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    /* Claims Section */
    .resources-claims-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    /* Payments Section */
    .payment-options-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .payment-company-grid {
        grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    }
}
/* ========================================
   Specific Mobile Queries
======================================== */
@media (max-width: 640px) {
	.premium-factor-card {
		padding: 1.5rem;
	}
	.premium-factor-card h4 {
		font-size: 1.25rem;
	}
}
/* ========================================
   Specific Mid Queries
======================================== */
@media (min-width: 960px) {
    /* Homepage queries */
    .services-pill {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
        gap: 2rem;
    }
    .services-pill-content {
        min-width: 0;
        flex: 1;
    }
}
/* ========================================
 specific Desk Top QUERIES
======================================== */
@media (max-width: 900px) {
	.premium-factors-grid {
		grid-template-columns: 1fr;
	}
}
/* ========================================
  Desk Top QUERIES
======================================== */
@media (min-width: 1024px) {
    /* General Services page queries */
    .services-grid {
        grid-template-columns: repeat(4, 1fr);
        gap: 2rem;
    }
    /*Home insurance queries */
    .home-card-row, .home-type-card, .auto-additional-grid-items {
        max-width: 900px;
    }
    /*Auto Insurance queries*/
    .auto-lower-premium, .farm-limitations-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    /*Business Insurance Queries*/
    .business-coverages-grid {
        grid-template-columns: repeat(4, 1fr);
    }
    .resources-claims, .resources-forms, .payment-options,
    .farm-limitations, .farm-coverage-limits, .farm-liability-section,
    .condo-management, .business-understanding-section, .business-checklist,
    .factors-lower, .additional-coverage, .auto-basic-coverage h3
    .condo-coverage-section, .optional-coverage-section {
        padding-left: 0;
        padding-right: 0;
    }
}
/* ========================================
 Hover QUERIES
======================================== */
@media (hover:hover) {
    .general-services-card:hover, .auto-lower-box:hover, .farm-limitations-grid-item:hover, 
    .business-considerations-grid-items:hover {
        transform: translateX(4px);
        border-color: rgba(0,0,0,0.16);
    }
    .home-card-row:hover, .home-type-card:hover,
    .auto-additional-grid-items:hover {
        transform: translateY(-4px);
        box-shadow: 0 16px 40px rgba(0,0,0,0.08);
    }
    .auto-lower-box:hover, .farm-limitations-grid-item:hover {
        transform: translateX(4px);
    }
}