/* =========================================================
   RICHWAY INSURANCE
   Bootstrap-compatible professional design system
   Preserves the original class names while adding the
   new Richway homepage/component classes.
========================================================= */

:root {
    --rw-navy: #071f3d;
    --rw-navy-2: #11385f;
    --rw-blue: #24547d;
    --rw-red: #FE5C03;
    --rw-red-dark: #D94A00;
    --rw-white: #ffffff;
    --rw-light: #f6f8fb;
    --rw-light-blue: #eef3f8;
    --rw-text: #172033;
    --rw-muted: #667085;
    --rw-border: #e5e9ef;
    --rw-success: #147a4b;
    --rw-radius-sm: 8px;
    --rw-radius: 12px;
    --rw-radius-lg: 16px;
    --rw-shadow-sm: 0 5px 18px rgba(7, 31, 61, 0.06);
    --rw-shadow: 0 12px 35px rgba(7, 31, 61, 0.10);
    --rw-shadow-lg: 0 20px 55px rgba(0, 0, 0, 0.20);
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: "Segoe UI", Arial, Helvetica, sans-serif;
    color: var(--rw-text);
    background: var(--rw-white);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}

img {
    max-width: 100%;
    height: auto;
}

h1,
h2,
h3 {
    color: var(--rw-navy);
    font-family: Georgia, "Times New Roman", serif;
    font-weight: 700;
}

a {
    transition: color 0.2s ease, background-color 0.2s ease,
                border-color 0.2s ease, transform 0.2s ease;
}

.container {
    width: min(1180px, 92%);
    margin: 0 auto;
}


/* =========================================================
   TOP BAR
========================================================= */

.richway-topbar {
    background: var(--rw-navy);
    color: var(--rw-white);
    font-size: 0.78rem;
    padding: 8px 0;
}

.richway-topbar i {
    margin-right: 6px;
}


/* =========================================================
   NAVIGATION
========================================================= */

.site-header,
.richway-navbar {
    background: var(--rw-white);
    border-bottom: 1px solid var(--rw-border);
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 3px 12px rgba(0, 0, 0, 0.04);
}

.navbar,
.richway-navbar {
    min-height: 78px;
}

.site-header .navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand {
    font-size: 1.3rem;
    font-weight: 800;
    letter-spacing: 0.04em;
    color: var(--rw-navy);
}

.brand-shield {
    width: 50px;
    height: 56px;
    display: flex;
    justify-content: center;
    align-items: center;
    background: var(--rw-navy);
    border: 4px solid #d9e0e8;
    color: var(--rw-white);
    font-family: Georgia, "Times New Roman", serif;
    font-size: 1.5rem;
    font-weight: 800;
    clip-path: polygon(
        50% 0,
        100% 18%,
        92% 75%,
        50% 100%,
        8% 75%,
        0 18%
    );
    margin-right: 12px;
}

.brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1;
}

.brand-text strong {
    color: var(--rw-navy);
    font-family: Georgia, "Times New Roman", serif;
    font-size: 1.38rem;
    letter-spacing: 0.07em;
}

.brand-text span {
    color: var(--rw-red);
    font-size: 0.78rem;
    letter-spacing: 0.30em;
    margin-top: 5px;
}

nav {
    display: flex;
    align-items: center;
    gap: 28px;
}

nav a,
.richway-navbar .nav-link {
    color: var(--rw-navy);
    text-decoration: none;
    font-weight: 600;
}

.richway-navbar .nav-link {
    margin: 0 8px;
    position: relative;
}

nav a:hover,
.richway-navbar .nav-link:hover {
    color: var(--rw-red);
}

.richway-navbar .nav-link::after {
    content: "";
    position: absolute;
    left: 50%;
    bottom: -10px;
    width: 0;
    height: 2px;
    background: var(--rw-red);
    transform: translateX(-50%);
    transition: width 0.2s ease;
}

.richway-navbar .nav-link:hover::after {
    width: 65%;
}

.nav-cta,
.richway-btn-primary {
    background: var(--rw-red);
    border: 1px solid var(--rw-red);
    color: var(--rw-white) !important;
    padding: 11px 20px;
    border-radius: 7px;
    font-weight: 700;
    text-decoration: none;
}

.nav-cta:hover,
.richway-btn-primary:hover {
    background: var(--rw-red-dark);
    border-color: var(--rw-red-dark);
    color: var(--rw-white) !important;
    transform: translateY(-1px);
}



/* =========================================================
   ADMIN-MANAGED RICHWAY LOGO
   Full vertical logo: RIA + RICHWAYS + INSURANCE AGENCY LLC
   ========================================================= */

.brand-logo {
    display: block;
    width: 390px;
    height: 120px;
    max-width: none;
    max-height: none;
    object-fit: contain;
    object-position: left center;
    flex-shrink: 0;
}

.brand,
.navbar-brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
}

.richway-navbar {
    min-height: 125px;
}





















/* =========================================================
   HERO
========================================================= */

.hero,
.hero-section {
    color: var(--rw-white);
    position: relative;
    overflow: hidden;
}

.hero {
    background:
        linear-gradient(
            110deg,
            rgba(7, 31, 61, 0.98),
            rgba(36, 84, 125, 0.90)
        );
    padding: 95px 0;
}

.hero-section {
    min-height: 650px;
    display: flex;
    align-items: center;
    background:
        linear-gradient(
            90deg,
            rgba(3, 18, 34, 0.93) 0%,
            rgba(3, 18, 34, 0.78) 48%,
            rgba(3, 18, 34, 0.54) 100%
        ),
        url("../images/property/Hero.2dc077525b09.png");
    background-size: cover;
    background-position: center;
}

.hero-section .container {
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 760px;
}

.min-vh-75 {
    min-height: 650px;
}

.eyebrow,
.hero-kicker,
.section-kicker {
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 800;
    font-size: 0.8rem;
}

.hero-kicker {
    color: #FFD0B5;
}

.section-kicker {
    color: var(--rw-red);
}

.hero h1,
.hero-section h1 {
    color: var(--rw-white);
    font-size: clamp(2.7rem, 6vw, 5.2rem);
    line-height: 1.02;
    margin: 12px 0 20px;
}

.hero-text,
.hero-lead {
    font-size: 1.2rem;
    max-width: 620px;
    margin-bottom: 24px;
}

.hero-secondary {
    color: #e8edf3;
    font-size: 1.08rem;
    max-width: 560px;
}

.primary-button {
    display: inline-block;
    background: var(--rw-red);
    color: var(--rw-white);
    padding: 14px 24px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 700;
}

.primary-button:hover {
    background: var(--rw-red-dark);
    color: var(--rw-white);
    transform: translateY(-1px);
}

.hero-quote-card {
    background: rgba(5, 30, 61, 0.96);
    border: 1px solid rgba(255, 255, 255, 0.10);
    padding: 35px;
    border-radius: var(--rw-radius);
    box-shadow: var(--rw-shadow-lg);
    color: var(--rw-white);
    backdrop-filter: blur(4px);
}

.hero-quote-card h2 {
    color: var(--rw-white);
    font-size: 2rem;
}

.hero-quote-card p {
    color: #dde6ef;
}


/* =========================================================
   PRODUCTS / SERVICE CARDS
========================================================= */

.insurance-products,
.solutions-section {
    padding: 82px 0 92px;
    background: var(--rw-white);
}

.section-heading {
    text-align: center;
    max-width: 780px;
    margin: 0 auto 42px;
}

.section-heading h2 {
    font-size: clamp(2rem, 3vw, 2.8rem);
    margin-top: 8px;
}

.section-heading p {
    color: var(--rw-muted);
}

.heading-rule {
    width: 46px;
    height: 3px;
    background: var(--rw-red);
    margin: 16px auto 18px;
}

.product-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.product-card,
.insurance-card {
    border: 1px solid var(--rw-border);
    border-radius: 14px;
    padding: 34px;
    background: var(--rw-white);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    box-shadow: var(--rw-shadow-sm);
}

.insurance-card {
    height: 100%;
    text-align: center;
}

.product-card:hover,
.insurance-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--rw-shadow);
}

.product-icon,
.service-icon {
    width: 84px;
    height: 84px;
    margin: 0 auto 22px;
    border-radius: 50%;
    background: #edf2f7;
    display: flex;
    justify-content: center;
    align-items: center;
    color: var(--rw-navy);
    font-size: 2.1rem;
}

.product-card h3,
.insurance-card h3 {
    font-size: 1.42rem;
    margin-bottom: 14px;
}

.product-card p,
.insurance-card p {
    color: var(--rw-muted);
}

.product-card a,
.service-link {
    color: var(--rw-red);
    text-decoration: none;
    font-weight: 700;
}

.product-card a:hover,
.service-link:hover {
    color: var(--rw-red-dark);
}


/* =========================================================
   WHY RICHWAY
========================================================= */

.why-section {
    padding: 78px 0 90px;
    background: var(--rw-light);
}

.benefit-item {
    display: flex;
    align-items: flex-start;
    gap: 18px;
}

.benefit-icon {
    color: var(--rw-red);
    font-size: 2.5rem;
    line-height: 1;
}

.benefit-item h4 {
    color: var(--rw-navy);
    font-size: 1rem;
    font-weight: 700;
}

.benefit-item p {
    color: var(--rw-muted);
    font-size: 0.94rem;
}


/* =========================================================
   QUOTE AREA
========================================================= */

.quote-section,
.quote-page-section {
    padding: 90px 0;
    background: var(--rw-light-blue);
}

.quote-layout {
    display: grid;
    grid-template-columns: 0.8fr 1.2fr;
    gap: 64px;
    align-items: start;
}

.quote-intro h2 {
    color: var(--rw-navy);
    font-size: 2.3rem;
    line-height: 1.2;
}

.trust-item {
    margin-top: 14px;
    font-weight: 600;
}

.quote-card,
.quote-page-card {
    background: var(--rw-white);
    border: 1px solid var(--rw-border);
    border-radius: var(--rw-radius-lg);
    padding: 42px;
    box-shadow: 0 15px 45px rgba(25, 45, 70, 0.10);
}

.form-section {
    padding-bottom: 28px;
    margin-bottom: 28px;
    border-bottom: 1px solid var(--rw-border);
}

.form-section h3 {
    margin-top: 0;
    color: var(--rw-navy);
}

.form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.location-row {
    grid-template-columns: 2fr 0.7fr 1fr;
}

.form-group {
    margin-bottom: 18px;
}

.form-group label,
.form-label {
    display: block;
    margin-bottom: 7px;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--rw-navy);
}

.form-control,
.form-select {
    width: 100%;
    min-height: 48px;
    padding: 10px 13px;
    border: 1px solid #ccd4de;
    border-radius: 7px;
    background: var(--rw-white);
    color: var(--rw-text);
    font-size: 1rem;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--rw-blue);
    outline: none;
    box-shadow: 0 0 0 3px rgba(36, 84, 125, 0.13);
}

.hero-quote-card .form-control,
.hero-quote-card .form-select {
    background: var(--rw-white);
    color: var(--rw-text);
}

.submit-button {
    width: 100%;
    border: none;
    background: var(--rw-red);
    color: var(--rw-white);
    min-height: 52px;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
}

.submit-button:hover {
    background: var(--rw-red-dark);
}

.disclaimer,
.quote-disclaimer {
    text-align: center;
    color: var(--rw-muted);
    font-size: 0.82rem;
    margin-top: 16px;
}

.errorlist {
    list-style: none;
    margin: 6px 0 0;
    padding: 0;
    color: #b42318;
    font-size: 0.85rem;
}

.success-icon {
    color: var(--rw-success);
    font-size: 4rem;
    line-height: 1;
    margin-bottom: 18px;
}


/* =========================================================
   CTA
========================================================= */

.insurance-cta {
    padding: 64px 0;
    background:
        linear-gradient(
            90deg,
            rgba(4, 24, 47, 0.98),
            rgba(4, 24, 47, 0.91)
        ),
        url("../images/business/CTA.60bb21b27081.png");
    background-size: cover;
    background-position: center;
    color: var(--rw-white);
}

.insurance-cta h2 {
    color: var(--rw-white);
    font-size: clamp(2.1rem, 3vw, 3rem);
}

.insurance-cta p {
    color: #dce5ed;
    max-width: 580px;
}

.cta-line {
    display: inline-block;
    height: 58px;
    width: 4px;
    background: var(--rw-red);
    float: left;
    margin-right: 18px;
}


/* =========================================================
   PRODUCT PAGE HERO
========================================================= */

.product-hero {
    padding: 105px 0;
    background:
        linear-gradient(
            110deg,
            rgba(7, 31, 61, 0.98),
            rgba(36, 84, 125, 0.90)
        );
    color: var(--rw-white);
}

.product-hero h1 {
    color: var(--rw-white);
    font-size: clamp(2.7rem, 5vw, 4.5rem);
}

.product-hero p {
    color: #e8edf3;
    max-width: 720px;
    font-size: 1.1rem;
}


/* =========================================================
   FOOTER
========================================================= */

.site-footer,
.richway-footer {
    background: #041b35;
    color: #cdd7e1;
    padding: 58px 0 28px;
}

.footer-brand {
    display: flex;
    align-items: center;
}

.footer-brand-text strong {
    color: var(--rw-white);
}

.site-footer h5,
.richway-footer h5 {
    color: var(--rw-white);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 20px;
}

.richway-footer a {
    color: #cdd7e1;
    display: block;
    margin-bottom: 9px;
    text-decoration: none;
}

.richway-footer a:hover {
    color: var(--rw-white);
}

.footer-social {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.footer-social a {
    font-size: 1.3rem;
}

.richway-footer hr {
    border-color: rgba(255, 255, 255, 0.16);
    margin-top: 45px;
}

.footer-bottom {
    font-size: 0.83rem;
}


/* =========================================================
   ACCESSIBILITY
========================================================= */

a:focus-visible,
button:focus-visible,
.form-control:focus-visible,
.form-select:focus-visible {
    outline: 3px solid rgba(254, 92, 3, 0.30);
    outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        transition: none !important;
        animation: none !important;
    }
}


/* =========================================================
   MOBILE / TABLET
========================================================= */

@media (max-width: 991.98px) {
    .richway-navbar .nav-link {
        margin: 5px 0;
    }

    .richway-navbar .nav-link::after {
        display: none;
    }

    .hero-section,
    .min-vh-75 {
        min-height: auto;
    }

    .hero-section {
        padding: 80px 0;
    }
}

@media (max-width: 850px) {
    .site-header nav a:not(.nav-cta) {
        display: none;
    }

    .product-grid,
    .quote-layout,
    .form-row,
    .location-row {
        grid-template-columns: 1fr;
    }

    .quote-card,
    .quote-page-card {
        padding: 25px;
    }

    .hero,
    .hero-section {
        padding: 65px 0;
    }

    .hero h1,
    .hero-section h1 {
        font-size: clamp(2.7rem, 11vw, 3.8rem);
    }

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

    .cta-line {
        display: none;
    }
}

@media (max-width: 575.98px) {
    .container {
        width: min(94%, 1180px);
    }

    .hero-quote-card {
        padding: 24px;
    }

    .product-card,
    .insurance-card {
        padding: 28px 24px;
    }

    .richway-topbar {
        font-size: 0.72rem;
    }
}

/* =========================================================
   ADMIN-MANAGED HOMEPAGE IMAGES
   Add this section near the end of insurance.css.
========================================================= */

.insurance-hero {
    background:
        linear-gradient(
            90deg,
            rgba(3, 18, 34, 0.94) 0%,
            rgba(3, 18, 34, 0.84) 34%,
            rgba(3, 18, 34, 0.58) 63%,
            rgba(3, 18, 34, 0.30) 100%
        ),
        var(--hero-image, linear-gradient(110deg, #071f3d, #24547d));
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    color: var(--rw-white);
    padding: 82px 0;
}

.insurance-hero .hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(400px, 500px);
    gap: 64px;
    align-items: center;
}

.insurance-hero .hero-content {
    max-width: 610px;
    min-width: 0;
}

.insurance-hero .hero-content h1 {
    color: var(--rw-white);
    font-size: clamp(3.2rem, 6vw, 5.8rem);
    line-height: 0.98;
    margin: 12px 0 22px;
}

.insurance-hero .hero-description {
    color: #edf2f7;
    max-width: 570px;
    font-size: 1.13rem;
    line-height: 1.75;
}

.insurance-hero .hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 28px;
}

.insurance-hero .secondary-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 13px 22px;
    border: 1px solid rgba(255, 255, 255, 0.72);
    border-radius: 8px;
    color: var(--rw-white);
    text-decoration: none;
    font-weight: 700;
}

.insurance-hero .hero-quote-card {
    width: 100%;
    max-width: 500px;
    justify-self: end;
    background: rgba(255, 255, 255, 0.97);
    color: var(--rw-text);
    border: 1px solid rgba(255, 255, 255, 0.50);
    padding: 34px;
    border-radius: 18px;
    box-shadow: var(--rw-shadow-lg);
    backdrop-filter: blur(8px);
}

.insurance-hero .hero-quote-card h2 {
    color: var(--rw-navy);
}

.insurance-hero .hero-quote-card > p {
    color: var(--rw-muted);
}

.insurance-hero .hero-quote-card .form-group label {
    color: var(--rw-navy);
}

.hero-name-row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.service-card {
    padding: 0;
    overflow: hidden;
    text-align: left;
}

.service-image {
    width: 100%;
    height: 225px;
    overflow: hidden;
    background: var(--rw-light-blue);
}

.service-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.35s ease;
}

.service-card:hover .service-image img {
    transform: scale(1.045);
}

.service-image-placeholder {
    display: grid;
    place-items: center;
    font-size: 3rem;
}

.service-card-body {
    padding: 28px 30px 32px;
}

.service-card-body h3 {
    margin-top: 0;
}

.service-card-body .card-link {
    display: inline-block;
    color: var(--rw-red);
    text-decoration: none;
    font-weight: 700;
    margin-top: 8px;
}

@media (max-width: 991.98px) {
    .insurance-hero .hero-grid {
        grid-template-columns: 1fr;
    }

    .insurance-hero .hero-quote-card {
        max-width: 680px;
    }
}

@media (max-width: 575.98px) {
    .insurance-hero {
        padding: 58px 0;
    }

    .hero-name-row {
        grid-template-columns: 1fr;
    }

    .service-image {
        height: 200px;
    }
}

/* =========================================================
   2026 UI/UX REFINEMENT OVERRIDES
   Tightened hero spacing, stable header, accessibility,
   and responsive navigation
========================================================= */

.skip-link {
    position: fixed;
    left: 16px;
    top: 12px;
    z-index: 3000;
    transform: translateY(-160%);
    background: var(--rw-white);
    color: var(--rw-navy);
    border: 2px solid var(--rw-red);
    border-radius: 7px;
    padding: 10px 14px;
    font-weight: 700;
    text-decoration: none;
}

.skip-link:focus { transform: translateY(0); }

/* Keep the whole header in normal document order and sticky as one unit. */
.site-header {
    position: sticky;
    top: 0;
    z-index: 2000;
    background: var(--rw-white);
    box-shadow: 0 3px 12px rgba(0,0,0,.05);
}

.richway-navbar {
    position: relative;
    top: auto;
    z-index: auto;
    box-shadow: none;
}

.topbar-inner {
    display: flex;
    justify-content: space-between;
    gap: 24px;
}

.brand {
    display: inline-flex;
    align-items: center;
    text-decoration: none;
}

.brand-text {
    display: inline-block;
    font-family: Georgia, "Times New Roman", serif;
    font-weight: 800;
    letter-spacing: .08em;
    white-space: nowrap;
}

.primary-nav {
    display: flex;
    align-items: center;
    gap: 28px;
}

.nav-toggle {
    display: none;
    width: 46px;
    height: 42px;
    padding: 9px 10px;
    border: 1px solid var(--rw-border);
    border-radius: 8px;
    background: var(--rw-white);
    cursor: pointer;
}

.nav-toggle span {
    display: block;
    height: 2px;
    margin: 5px 0;
    background: var(--rw-navy);
    border-radius: 2px;
}

/* Home-page hero: compact, balanced, no unnecessary empty lower-left area. */
.insurance-hero {
    min-height: 0;
    display: block;
    padding: 50px 0 54px;
    background:
        linear-gradient(
            90deg,
            rgba(3,18,34,.94) 0%,
            rgba(3,18,34,.82) 35%,
            rgba(3,18,34,.55) 65%,
            rgba(3,18,34,.28) 100%
        ),
        var(--hero-image, linear-gradient(110deg,#071f3d,#24547d));
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.insurance-hero .hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(400px, 500px);
    gap: 58px;
    align-items: center;
}

.insurance-hero .hero-content {
    max-width: 640px;
    min-width: 0;
    align-self: center;
    position: relative;
    z-index: 1;
}

.insurance-hero .hero-content h1 {
    color: var(--rw-white);
    font-size: clamp(3.05rem, 5.2vw, 5.15rem);
    line-height: 1;
    max-width: 620px;
    margin: 10px 0 20px;
}

.insurance-hero .hero-description {
    color: #edf2f7;
    max-width: 610px;
    font-size: 1.15rem;
    line-height: 1.68;
    margin: 0;
}

.insurance-hero .hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-top: 26px;
}

.insurance-hero .primary-button,
.insurance-hero .secondary-button {
    min-height: 54px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0 24px;
}

.insurance-hero .secondary-button {
    border: 1px solid rgba(255,255,255,.72);
    border-radius: 8px;
    color: var(--rw-white);
    text-decoration: none;
    font-weight: 700;
}

.insurance-hero .hero-quote-card {
    width: 100%;
    max-width: 500px;
    justify-self: end;
    align-self: center;
    position: relative;
    z-index: 2;
    background: rgba(255,255,255,.97);
    color: var(--rw-text);
    border: 1px solid rgba(255,255,255,.50);
    padding: 30px 32px;
    border-radius: 18px;
    box-shadow: var(--rw-shadow-lg);
    backdrop-filter: blur(8px);
}

.insurance-hero .hero-quote-card h2 {
    color: var(--rw-navy);
    margin-top: 0;
    margin-bottom: 10px;
}

.insurance-hero .hero-quote-card > p {
    color: var(--rw-muted);
    margin-top: 0;
    margin-bottom: 18px;
}

.insurance-hero .hero-quote-card form { margin-top: 0; }
.insurance-hero .hero-quote-card .form-group label { color: var(--rw-navy); }
.insurance-hero .form-group { margin-bottom: 14px; }
.insurance-hero .submit-button { min-height: 50px; }

.insurance-hero .quote-disclaimer {
    color: #596579;
    line-height: 1.5;
    margin: 13px 0 0;
}

.hero-name-row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0,1fr));
    gap: 14px;
}

.form-control:focus,
.form-select:focus,
input:focus,
select:focus,
textarea:focus {
    border-color: var(--rw-blue);
    outline: 3px solid rgba(36,84,125,.18);
    outline-offset: 1px;
    box-shadow: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 3px solid var(--rw-red);
    outline-offset: 3px;
}

.errorlist { font-weight: 600; }

.service-card { display: flex; flex-direction: column; }
.service-card-body { display: flex; flex: 1; flex-direction: column; }
.service-card-body .card-link { margin-top: auto; padding-top: 12px; }

.why-richway {
    padding: 82px 0 92px;
    background: var(--rw-light);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
    gap: 24px;
}

.benefit-item {
    display: block;
    padding: 28px;
    border: 1px solid var(--rw-border);
    border-radius: 14px;
    background: var(--rw-white);
    box-shadow: var(--rw-shadow-sm);
}

.benefit-number {
    color: var(--rw-red);
    font-size: .8rem;
    font-weight: 800;
    letter-spacing: .12em;
}

.benefit-item h3 { margin: 10px 0 8px; }

.cta-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 42px;
}

.footer-inner {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: 32px;
}
.footer-brand p,
.footer-copyright { margin-bottom: 0; }

@media (max-width: 1100px) {
    .insurance-hero .hero-grid {
        grid-template-columns: minmax(0,1fr) minmax(380px,460px);
        gap: 40px;
    }
    .insurance-hero .hero-content h1 {
        font-size: clamp(2.9rem,5vw,4.45rem);
    }
}

@media (max-width: 991.98px) {
    .insurance-hero {
        padding: 54px 0;
        background-position: 58% center;
    }
    .insurance-hero .hero-grid {
        grid-template-columns: 1fr;
        gap: 34px;
    }
    .insurance-hero .hero-content { max-width: 660px; }
    .insurance-hero .hero-description { max-width: 620px; }
    .insurance-hero .hero-quote-card {
        justify-self: start;
        max-width: 680px;
    }
    .benefits-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 850px) {
    .richway-navbar { min-height: 72px; }
    .nav-toggle { display: block; margin-left: auto; }

    .site-header nav.primary-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 4%;
        right: 4%;
        z-index: 2200;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        padding: 10px;
        background: var(--rw-white);
        border: 1px solid var(--rw-border);
        border-radius: 0 0 12px 12px;
        box-shadow: var(--rw-shadow);
    }

    .site-header nav.primary-nav.is-open { display: flex; }
    .site-header nav.primary-nav a,
    .site-header nav.primary-nav a:not(.nav-cta) {
        display: block;
        padding: 12px 14px;
    }
    .site-header nav.primary-nav .nav-cta {
        margin-top: 6px;
        text-align: center;
    }

    .insurance-hero {
        padding: 48px 0;
        background:
            linear-gradient(90deg,rgba(3,18,34,.94) 0%,rgba(3,18,34,.84) 55%,rgba(3,18,34,.65) 100%),
            var(--hero-image, linear-gradient(110deg,#071f3d,#24547d));
        background-size: cover;
        background-position: center;
    }

    .cta-content,
    .footer-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 575.98px) {
    .topbar-inner { display: block; text-align: center; }
    .topbar-inner span:last-child { display: none; }
    .brand-shield { width: 42px; height: 48px; margin-right: 9px; }
    .brand-text { font-size: .94rem; letter-spacing: .055em; }

    .insurance-hero { padding: 42px 0; }
    .insurance-hero .hero-content h1 {
        font-size: clamp(2.6rem,12vw,3.55rem);
        line-height: 1.02;
    }
    .insurance-hero .hero-description {
        font-size: 1rem;
        line-height: 1.62;
    }
    .insurance-hero .hero-actions {
        display: grid;
        grid-template-columns: 1fr;
    }
    .insurance-hero .hero-actions a { width: 100%; text-align: center; }
    .insurance-hero .hero-quote-card {
        padding: 22px 18px;
        border-radius: 14px;
    }
    .hero-name-row { grid-template-columns: 1fr; }
    .benefits-grid { grid-template-columns: 1fr; }
    .service-card-body { padding: 24px 22px 28px; }
}

/* =========================================================
   HERO ATTENTION ANIMATION
   Professional staggered reveal: kicker -> headline -> copy -> CTAs
========================================================= */

.insurance-hero .hero-content .section-kicker,
.insurance-hero .hero-content h1,
.insurance-hero .hero-content .hero-description,
.insurance-hero .hero-content .hero-actions {
    opacity: 0;
    transform: translateY(22px);
    will-change: opacity, transform;
    animation: richwayHeroReveal 0.78s cubic-bezier(.22, .61, .36, 1) forwards;
}

.insurance-hero .hero-content .section-kicker {
    animation-delay: 0.05s;
}

.insurance-hero .hero-content h1 {
    animation-delay: 0.18s;
}

.insurance-hero .hero-content .hero-description {
    animation-delay: 0.34s;
}

.insurance-hero .hero-content .hero-actions {
    animation-delay: 0.50s;
}

@keyframes richwayHeroReveal {
    from {
        opacity: 0;
        transform: translateY(22px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Never hide content for visitors who prefer reduced motion. */
@media (prefers-reduced-motion: reduce) {
    .insurance-hero .hero-content .section-kicker,
    .insurance-hero .hero-content h1,
    .insurance-hero .hero-content .hero-description,
    .insurance-hero .hero-content .hero-actions {
        opacity: 1;
        transform: none;
        animation: none;
        will-change: auto;
    }
}

/* =========================================================
   RESPONSIVE RICHWAY LOGO
   ========================================================= */

@media (max-width: 850px) {
    .brand-logo {
        width: 240px;
        height: 92px;
        max-width: none;
    }

    .richway-navbar {
        min-height: 100px;
    }
}

@media (max-width: 480px) {
    .brand-logo {
        width: 185px;
        height: 76px;
        max-width: none;
    }

    .richway-navbar {
        min-height: 86px;
    }
}

/* =========================================================
   FINAL RICHWAYS FULL-LOGO HEADER OVERRIDE
   Makes the full logo readable without an excessively tall navbar.
   Keep this block LAST in the stylesheet.
   ========================================================= */

.richway-navbar {
    min-height: 125px;
}

.site-header .navbar {
    min-height: 125px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand,
.navbar-brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
    padding: 2px 0;
}

.brand-logo {
    display: block;
    width: 390px;
    height: 120px;
    max-width: none;
    max-height: none;
    object-fit: contain;
    object-position: left center;
    flex-shrink: 0;
}

/* Laptop / tablet */
@media (max-width: 991.98px) {
    .richway-navbar,
    .site-header .navbar {
        min-height: 108px;
    }

    .brand-logo {
        width: 270px;
        height: 98px;
    }
}

/* Mobile navigation */
@media (max-width: 850px) {
    .richway-navbar,
    .site-header .navbar {
        min-height: 96px;
    }

    .brand-logo {
        width: 230px;
        height: 86px;
    }
}

/* Small phones */
@media (max-width: 575.98px) {
    .richway-navbar,
    .site-header .navbar {
        min-height: 84px;
    }

    .brand-logo {
        width: 180px;
        height: 74px;
    }
}

/* =========================================================
   FINAL 2026 RICHWAYS AUTO PAGE + HEADER OVERRIDES
   Keep this block LAST in the stylesheet.
   ========================================================= */

/* ---------- Header / accessibility stabilization ---------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 3000;
    width: 100%;
    background: var(--rw-white);
}

.richway-navbar {
    position: relative;
    top: auto;
    z-index: auto;
    width: 100%;
    background: var(--rw-white);
    box-shadow: none;
}

.site-header .navbar {
    min-height: 96px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.brand,
.navbar-brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
    padding: 0;
    text-decoration: none;
}

.brand-logo {
    display: block;
    width: 320px;
    height: 86px;
    max-width: none;
    max-height: none;
    object-fit: contain;
    object-position: left center;
    flex-shrink: 0;
}

.skip-link {
    position: fixed;
    left: 16px;
    top: 12px;
    z-index: 5000;
    transform: translateY(-180%);
    background: var(--rw-white);
    color: var(--rw-navy);
    border: 2px solid var(--rw-red);
    border-radius: 7px;
    padding: 10px 14px;
    font-weight: 700;
    text-decoration: none;
}

.skip-link:focus,
.skip-link:focus-visible {
    transform: translateY(0);
}

/* ---------- Shared section utilities ---------- */
.section-space {
    padding: 84px 0;
}

.section-light {
    background: var(--rw-light);
}

.narrow-container {
    max-width: 900px;
}

.section-heading {
    max-width: 780px;
    margin: 0 auto 44px;
    text-align: center;
}

.section-heading h2,
.auto-intro h2,
.auto-ma h2,
.auto-final-cta h2 {
    margin: 8px 0 14px;
    color: var(--rw-navy);
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(2rem, 3.4vw, 3.1rem);
    line-height: 1.08;
}

.section-heading p,
.section-lead {
    color: var(--rw-muted);
    font-size: 1.05rem;
    line-height: 1.8;
}

/* ---------- Auto hero ---------- */
.auto-hero {
    position: relative;
    overflow: hidden;
    background:
        linear-gradient(110deg, rgba(7,31,61,.98) 0%, rgba(17,56,95,.96) 58%, rgba(36,84,125,.92) 100%);
    color: var(--rw-white);
}

.auto-hero-grid {
    min-height: 560px;
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(380px, .95fr);
    gap: 52px;
    align-items: center;
    padding-top: 64px;
    padding-bottom: 64px;
}

.auto-hero .section-kicker {
    color: #FE5C03;
}

.auto-hero h1 {
    max-width: 720px;
    margin: 8px 0 22px;
    color: var(--rw-white);
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(3rem, 5.3vw, 5.4rem);
    line-height: .99;
    letter-spacing: -.03em;
}

.auto-hero-lead {
    max-width: 650px;
    margin: 0 0 28px;
    color: rgba(255,255,255,.88);
    font-size: 1.16rem;
    line-height: 1.75;
}

.auto-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 18px;
}

.auto-hero .primary-button,
.auto-final-cta .primary-button {
    min-height: 54px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0 24px;
}

.secondary-button {
    min-height: 54px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0 24px;
    border: 1px solid rgba(255,255,255,.58);
    border-radius: 8px;
    color: var(--rw-white);
    font-weight: 700;
    text-decoration: none;
}

.secondary-button:hover {
    background: var(--rw-white);
    color: var(--rw-navy);
}

.auto-hero-note {
    margin: 0;
    max-width: 620px;
    color: rgba(255,255,255,.66);
    font-size: .86rem;
    line-height: 1.55;
}

.auto-hero-visual {
    min-height: 390px;
}

.auto-hero-image-placeholder {
    width: 100%;
    min-height: 390px;
    height: 100%;
    display: grid;
    place-items: center;
    border-radius: 20px;
    background:
        linear-gradient(rgba(7,31,61,.16), rgba(7,31,61,.16)),
        linear-gradient(135deg, #dfe6ee, #aab9c9);
    color: var(--rw-navy);
    font-weight: 800;
    box-shadow: 0 24px 60px rgba(0,0,0,.22);
}

/* ---------- Trust strip ---------- */
.auto-trust-strip {
    background: var(--rw-white);
    border-bottom: 1px solid var(--rw-border);
    box-shadow: 0 8px 28px rgba(7,31,61,.06);
}

.auto-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.auto-trust-grid > div {
    padding: 26px 20px;
    text-align: center;
    border-right: 1px solid var(--rw-border);
}

.auto-trust-grid > div:last-child {
    border-right: 0;
}

.auto-trust-grid strong,
.auto-trust-grid span {
    display: block;
}

.auto-trust-grid strong {
    margin-bottom: 6px;
    color: var(--rw-navy);
    font-size: .98rem;
}

.auto-trust-grid span {
    color: var(--rw-muted);
    font-size: .9rem;
}

/* ---------- Intro ---------- */
.auto-intro {
    text-align: center;
}

.quote-disclaimer {
    margin-top: 20px;
    color: #768397;
    font-size: .84rem;
    line-height: 1.6;
}

/* ---------- Coverage cards ---------- */
.coverage-card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.coverage-card {
    min-height: 235px;
    padding: 30px;
    border: 1px solid var(--rw-border);
    border-radius: 14px;
    background: var(--rw-white);
    box-shadow: var(--rw-shadow-sm);
    transition: transform .2s ease, box-shadow .2s ease;
}

.coverage-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--rw-shadow);
}

.coverage-icon {
    width: 46px;
    height: 46px;
    margin-bottom: 22px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: rgba(254,92,3,.10);
    color: var(--rw-red);
    font-size: .82rem;
    font-weight: 900;
}

.coverage-card h3 {
    margin: 0 0 10px;
    color: var(--rw-navy);
    font-size: 1.18rem;
}

.coverage-card p {
    margin: 0;
    color: var(--rw-muted);
    line-height: 1.72;
}

/* ---------- Massachusetts coverage ---------- */
.auto-two-column {
    display: grid;
    grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
    gap: 64px;
    align-items: start;
}

.auto-ma p {
    color: #596579;
    line-height: 1.8;
}

.text-link {
    display: inline-block;
    margin-top: 14px;
    color: var(--rw-red);
    font-weight: 800;
    text-decoration: none;
}

.coverage-accordion details {
    margin-bottom: 12px;
    overflow: hidden;
    border: 1px solid #dfe5ec;
    border-radius: 10px;
    background: var(--rw-white);
}

.coverage-accordion summary {
    cursor: pointer;
    padding: 19px 22px;
    list-style: none;
    color: var(--rw-navy);
    font-weight: 800;
}

.coverage-accordion summary::-webkit-details-marker {
    display: none;
}

.coverage-accordion summary::after {
    content: "+";
    float: right;
    color: var(--rw-red);
    font-size: 1.35rem;
}

.coverage-accordion details[open] summary::after {
    content: "−";
}

.details-content {
    padding: 0 22px 20px;
    color: var(--rw-muted);
    line-height: 1.72;
}

/* ---------- Why Richways ---------- */
.section-navy {
    background: var(--rw-navy);
    color: var(--rw-white);
}

.section-heading-light h2,
.section-heading-light p {
    color: var(--rw-white);
}

.section-heading-light p {
    opacity: .78;
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 20px;
}

.why-grid article {
    padding: 30px 24px;
    border: 1px solid rgba(255,255,255,.13);
    border-radius: 12px;
    background: rgba(255,255,255,.05);
}

.why-number {
    display: inline-block;
    margin-bottom: 18px;
    color: #FE5C03;
    font-weight: 900;
}

.why-grid h3 {
    margin: 0 0 10px;
    color: var(--rw-white);
}

.why-grid p {
    margin: 0;
    color: rgba(255,255,255,.72);
    line-height: 1.72;
}

/* ---------- Process ---------- */
.process-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 20px;
}

.process-grid article {
    padding: 30px 24px;
    border-top: 3px solid var(--rw-red);
    background: var(--rw-white);
    box-shadow: var(--rw-shadow-sm);
}

.process-grid span {
    display: block;
    margin-bottom: 34px;
    color: var(--rw-red);
    font-size: .82rem;
    font-weight: 900;
    letter-spacing: .08em;
}

.process-grid h3 {
    margin: 0 0 10px;
    color: var(--rw-navy);
}

.process-grid p {
    margin: 0;
    color: var(--rw-muted);
    line-height: 1.72;
}

/* ---------- FAQ ---------- */
.auto-faq .coverage-accordion {
    max-width: 860px;
    margin: 0 auto;
}

/* ---------- Final CTA ---------- */
.auto-final-cta {
    padding: 64px 0 34px;
    background: #0b2c52;
    color: var(--rw-white);
}

.auto-final-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 36px;
}

.auto-final-cta h2 {
    margin-top: 6px;
    color: var(--rw-white);
}

.auto-final-cta p {
    color: rgba(255,255,255,.78);
}

.primary-button-light {
    flex-shrink: 0;
}

.final-disclaimer {
    margin: 36px 0 0;
    padding-top: 22px;
    border-top: 1px solid rgba(255,255,255,.15);
    color: rgba(255,255,255,.58) !important;
    font-size: .82rem;
    line-height: 1.55;
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
    .brand-logo {
        width: 280px;
        height: 80px;
    }

    .auto-hero-grid {
        grid-template-columns: minmax(0, 1fr) minmax(340px, .9fr);
        gap: 38px;
    }
}

@media (max-width: 991.98px) {
    .site-header .navbar {
        min-height: 88px;
    }

    .brand-logo {
        width: 250px;
        height: 74px;
    }

    .auto-hero-grid,
    .auto-two-column {
        grid-template-columns: 1fr;
    }

    .auto-hero-grid {
        min-height: 0;
    }

    .auto-trust-grid,
    .why-grid,
    .process-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .coverage-card-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .auto-hero-visual,
    .auto-hero-image-placeholder {
        min-height: 300px;
    }
}

@media (max-width: 850px) {
    .site-header .navbar {
        min-height: 82px;
    }

    .brand-logo {
        width: 220px;
        height: 68px;
    }
}

@media (max-width: 640px) {
    .section-space {
        padding: 60px 0;
    }

    .auto-trust-grid,
    .coverage-card-grid,
    .why-grid,
    .process-grid {
        grid-template-columns: 1fr;
    }

    .auto-trust-grid > div {
        border-right: 0;
        border-bottom: 1px solid var(--rw-border);
    }

    .auto-trust-grid > div:last-child {
        border-bottom: 0;
    }

    .auto-final-cta-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .auto-hero h1 {
        font-size: clamp(2.7rem, 14vw, 4rem);
    }

    .auto-hero-actions {
        display: grid;
        grid-template-columns: 1fr;
    }

    .auto-hero-actions a {
        width: 100%;
        text-align: center;
    }
}

@media (max-width: 575.98px) {
    .site-header .navbar {
        min-height: 76px;
    }

    .brand-logo {
        width: 185px;
        height: 60px;
    }
}

/* =========================================================
   RICHWAYS AUTO PROFESSIONAL V2
   Premium editorial auto + recreational vehicle page
   Keep this block at the END of insurance.css
   ========================================================= */

.auto-v2-hero {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    min-height: 590px;
    background: var(--rw-navy);
    overflow: hidden;
}

.auto-v2-hero-copy {
    display: flex;
    align-items: center;
    background:
        radial-gradient(circle at 10% 10%, rgba(36,84,125,.34), transparent 38%),
        linear-gradient(135deg, #071f3d 0%, #0a2a50 100%);
}

.auto-v2-hero-inner {
    width: min(590px, 86%);
    margin-left: auto;
    margin-right: 9%;
    padding: 72px 0;
}

.auto-v2-hero .section-kicker { color: #FE5C03; }

.auto-v2-hero h1 {
    margin: 10px 0 22px;
    max-width: 650px;
    color: #fff;
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(3rem, 5vw, 5.15rem);
    line-height: 1.01;
    letter-spacing: -.025em;
}

.auto-v2-hero-copy p {
    max-width: 600px;
    color: rgba(255,255,255,.84);
    font-size: 1.13rem;
    line-height: 1.75;
}

.auto-v2-hero-image {
    min-height: 590px;
    overflow: hidden;
    background: #dbe3eb;
}

.auto-v2-hero-image img {
    width: 100%;
    height: 100%;
    min-height: 590px;
    display: block;
    object-fit: cover;
    object-position: 58% center;
}

.auto-v2-actions,
.auto-v2-final-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 28px;
}

.auto-v2-outline-button {
    min-height: 52px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0 22px;
    border: 1px solid rgba(255,255,255,.68);
    border-radius: 8px;
    color: #fff;
    font-weight: 700;
    text-decoration: none;
}

.auto-v2-outline-button:hover {
    background: #fff;
    color: var(--rw-navy);
}

.auto-v2-hero-note {
    margin-top: 16px !important;
    color: rgba(255,255,255,.62) !important;
    font-size: .82rem !important;
}

.auto-v2-trust {
    border-bottom: 1px solid var(--rw-border);
    background: #fff;
    box-shadow: 0 8px 24px rgba(7,31,61,.06);
}

.auto-v2-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
}

.auto-v2-trust-grid > div {
    padding: 27px 24px;
    text-align: center;
    border-right: 1px solid var(--rw-border);
}

.auto-v2-trust-grid > div:last-child { border-right: 0; }

.auto-v2-trust-grid strong,
.auto-v2-trust-grid span { display: block; }

.auto-v2-trust-grid strong {
    margin-bottom: 5px;
    color: var(--rw-navy);
    font-size: .96rem;
}

.auto-v2-trust-grid span {
    color: var(--rw-muted);
    font-size: .86rem;
    line-height: 1.45;
}

.auto-v2-intro {
    text-align: center;
}

.auto-v2-intro h2,
.auto-v2-feature-copy h2,
.auto-v2-ma h2,
.auto-v2-final-cta h2 {
    margin: 8px 0 16px;
    font-size: clamp(2.2rem, 3.4vw, 3.35rem);
    line-height: 1.08;
}

.auto-v2-feature-grid {
    display: grid;
    grid-template-columns: minmax(0,1.06fr) minmax(0,.94fr);
    gap: 28px;
    align-items: stretch;
}

.auto-v2-feature-reverse .auto-v2-feature-image { order: 2; }
.auto-v2-feature-reverse .auto-v2-feature-copy { order: 1; }

.auto-v2-feature-image {
    min-height: 520px;
    overflow: hidden;
    border-radius: 18px;
    box-shadow: var(--rw-shadow-sm);
}

.auto-v2-feature-image img {
    width: 100%;
    height: 100%;
    min-height: 520px;
    object-fit: cover;
    display: block;
    transition: transform .45s ease;
}

.auto-v2-feature:hover .auto-v2-feature-image img {
    transform: scale(1.025);
}

.auto-v2-cut-corner {
    clip-path: polygon(9% 0, 100% 0, 100% 100%, 0 100%, 0 9%);
    border-radius: 0 18px 18px 18px;
}

.auto-v2-feature-copy {
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: clamp(34px, 5vw, 68px);
    border-radius: 18px;
    background: #fff;
    box-shadow: var(--rw-shadow-sm);
}

.auto-v2-feature-copy p {
    color: var(--rw-muted);
    font-size: 1.04rem;
    line-height: 1.78;
}

.auto-v2-dark-panel {
    background: linear-gradient(145deg, #071f3d, #10365e);
    color: #fff;
}

.auto-v2-dark-panel h2 { color: #fff; }
.auto-v2-dark-panel p { color: rgba(255,255,255,.78); }

.auto-v2-panel-link,
.auto-v2-text-link {
    display: inline-flex;
    align-items: center;
    width: fit-content;
    margin-top: 16px;
    color: var(--rw-red);
    font-weight: 800;
    text-decoration: none;
}

.auto-v2-panel-link { color: #fff; }

.auto-v2-check-list {
    display: grid;
    gap: 12px;
    margin: 22px 0 4px;
    padding: 0;
    list-style: none;
}

.auto-v2-check-list li {
    position: relative;
    padding-left: 28px;
    color: #435066;
}

.auto-v2-check-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    color: var(--rw-red);
    font-weight: 900;
}

.auto-v2-showcase-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0,1fr));
    gap: 24px;
}

.auto-v2-card {
    display: flex;
    flex-direction: column;
    overflow: hidden;
    min-width: 0;
    border: 1px solid var(--rw-border);
    border-radius: 16px;
    background: #fff;
    box-shadow: var(--rw-shadow-sm);
    transition: transform .22s ease, box-shadow .22s ease;
}

.auto-v2-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--rw-shadow);
}

.auto-v2-card-large {
    grid-column: span 2;
}

.auto-v2-card img {
    width: 100%;
    height: 260px;
    object-fit: cover;
    display: block;
}

.auto-v2-card-large img { height: 360px; }

.auto-v2-card-body {
    display: flex;
    flex: 1;
    flex-direction: column;
    padding: 26px 27px 30px;
}

.auto-v2-card-kicker {
    color: var(--rw-red);
    font-size: .73rem;
    font-weight: 900;
    letter-spacing: .12em;
    text-transform: uppercase;
}

.auto-v2-card h3 {
    margin: 9px 0 10px;
    font-size: 1.42rem;
}

.auto-v2-card p {
    margin: 0;
    color: var(--rw-muted);
    line-height: 1.68;
}

.auto-v2-card a {
    margin-top: auto;
    padding-top: 18px;
    color: var(--rw-red);
    font-weight: 800;
    text-decoration: none;
}

.auto-v2-ma-grid {
    display: grid;
    grid-template-columns: minmax(0,.85fr) minmax(0,1.15fr);
    gap: 64px;
    align-items: start;
}

.auto-v2-ma p {
    color: var(--rw-muted);
    line-height: 1.8;
}

.auto-v2-why {
    background:
        radial-gradient(circle at 90% 10%, rgba(36,84,125,.36), transparent 34%),
        #071f3d;
    color: #fff;
}

.auto-v2-why .section-heading-light h2,
.auto-v2-why .section-heading-light p { color: #fff; }

.auto-v2-why .section-heading-light p { opacity: .76; }

.auto-v2-why-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
    gap: 20px;
}

.auto-v2-why-grid article {
    padding: 30px 25px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 14px;
    background: rgba(255,255,255,.045);
}

.auto-v2-why-grid span {
    color: #FE5C03;
    font-size: .78rem;
    font-weight: 900;
    letter-spacing: .1em;
}

.auto-v2-why-grid h3 {
    margin: 12px 0 9px;
    color: #fff;
    font-size: 1.18rem;
}

.auto-v2-why-grid p {
    margin: 0;
    color: rgba(255,255,255,.7);
    line-height: 1.65;
}

.auto-v2-process-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
    gap: 20px;
}

.auto-v2-process-grid article {
    padding: 29px 25px;
    border-top: 3px solid var(--rw-red);
    background: #fff;
    box-shadow: var(--rw-shadow-sm);
}

.auto-v2-process-grid span {
    display: block;
    margin-bottom: 28px;
    color: var(--rw-red);
    font-size: .78rem;
    font-weight: 900;
    letter-spacing: .1em;
}

.auto-v2-process-grid h3 {
    margin: 0 0 9px;
    font-size: 1.18rem;
}

.auto-v2-process-grid p {
    margin: 0;
    color: var(--rw-muted);
    line-height: 1.65;
}

.auto-v2-final-cta {
    padding: 66px 0 30px;
    background: linear-gradient(115deg, #0a294d, #071f3d);
    color: #fff;
}

.auto-v2-final-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 36px;
}

.auto-v2-final-cta h2 { color: #fff; }

.auto-v2-final-cta p {
    max-width: 650px;
    color: rgba(255,255,255,.75);
}

.auto-v2-final-note {
    margin: 34px 0 0 !important;
    padding-top: 22px;
    border-top: 1px solid rgba(255,255,255,.14);
    color: rgba(255,255,255,.56) !important;
    font-size: .8rem;
    line-height: 1.55;
}

@media (max-width: 1100px) {
    .auto-v2-hero-inner {
        width: 86%;
        margin-right: 7%;
    }

    .auto-v2-showcase-grid {
        grid-template-columns: repeat(2, minmax(0,1fr));
    }

    .auto-v2-card-large {
        grid-column: span 2;
    }
}

@media (max-width: 991.98px) {
    .auto-v2-hero {
        grid-template-columns: 1fr;
    }

    .auto-v2-hero-image,
    .auto-v2-hero-image img {
        min-height: 400px;
    }

    .auto-v2-hero-inner {
        width: min(680px, 90%);
        margin: 0 auto;
        padding: 62px 0;
    }

    .auto-v2-feature-grid,
    .auto-v2-ma-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .auto-v2-feature-reverse .auto-v2-feature-image,
    .auto-v2-feature-reverse .auto-v2-feature-copy {
        order: initial;
    }

    .auto-v2-feature-image,
    .auto-v2-feature-image img {
        min-height: 390px;
    }

    .auto-v2-trust-grid,
    .auto-v2-why-grid,
    .auto-v2-process-grid {
        grid-template-columns: repeat(2, minmax(0,1fr));
    }
}

@media (max-width: 680px) {
    .auto-v2-showcase-grid,
    .auto-v2-trust-grid,
    .auto-v2-why-grid,
    .auto-v2-process-grid {
        grid-template-columns: 1fr;
    }

    .auto-v2-card-large { grid-column: auto; }

    .auto-v2-card img,
    .auto-v2-card-large img { height: 250px; }

    .auto-v2-trust-grid > div {
        border-right: 0;
        border-bottom: 1px solid var(--rw-border);
    }

    .auto-v2-trust-grid > div:last-child { border-bottom: 0; }

    .auto-v2-actions,
    .auto-v2-final-actions {
        display: grid;
        grid-template-columns: 1fr;
        width: 100%;
    }

    .auto-v2-actions a,
    .auto-v2-final-actions a {
        width: 100%;
        text-align: center;
    }

    .auto-v2-final-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .auto-v2-feature-copy { padding: 32px 24px; }
}

@media (prefers-reduced-motion: reduce) {
    .auto-v2-card,
    .auto-v2-feature-image img {
        transition: none;
    }
}

/* =========================================================
   RICHWAYS 2026 — FINAL GLOBAL HEADER FLOW STABILIZATION
   Keeps header above page content in normal document flow.
   Prevents sticky/header overlap with page-specific heroes.
   Keep this block LAST in insurance.css.
   ========================================================= */

.site-header {
    position: relative !important;
    top: auto !important;
    left: auto !important;
    right: auto !important;
    width: 100%;
    z-index: 3000;
    background: var(--rw-white);
    box-shadow: 0 3px 12px rgba(0, 0, 0, 0.05);
}

.richway-topbar {
    position: relative;
    z-index: 1;
}

.richway-navbar,
.site-header .navbar {
    position: relative !important;
    top: auto !important;
    left: auto !important;
    right: auto !important;
    z-index: 1;
    width: 100%;
}

/* Header remains a sibling before <main>; never float over hero content. */
#main-content {
    position: relative;
    z-index: 1;
    display: block;
}

/* Accessible skip link: visually hidden until it receives keyboard focus. */
.skip-link {
    position: fixed !important;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    clip-path: inset(50%);
    white-space: nowrap;
    border: 0;
    transform: none !important;
    z-index: 9999;
}

.skip-link:focus,
.skip-link:focus-visible {
    width: auto;
    height: auto;
    padding: 10px 14px;
    margin: 0;
    overflow: visible;
    clip: auto;
    clip-path: none;
    white-space: normal;
    left: 16px;
    top: 12px;
    background: var(--rw-white);
    color: var(--rw-navy);
    border: 2px solid var(--rw-red);
    border-radius: 7px;
    font-weight: 700;
    text-decoration: none;
    box-shadow: 0 8px 24px rgba(7,31,61,.16);
}

/* Compact, stable desktop header dimensions. */
@media (min-width: 992px) {
    .site-header .navbar,
    .richway-navbar {
        min-height: 96px;
    }

    .brand-logo {
        width: 320px;
        height: 86px;
        object-fit: contain;
        object-position: left center;
    }
}

@media (max-width: 991.98px) {
    .site-header .navbar,
    .richway-navbar {
        min-height: 88px;
    }

    .brand-logo {
        width: 250px;
        height: 74px;
    }
}

@media (max-width: 850px) {
    .site-header .navbar,
    .richway-navbar {
        min-height: 82px;
    }

    .brand-logo {
        width: 220px;
        height: 68px;
    }
}

@media (max-width: 575.98px) {
    .site-header .navbar,
    .richway-navbar {
        min-height: 76px;
    }

    .brand-logo {
        width: 185px;
        height: 60px;
    }
}



/* =========================================================
   RICHWAY GLOBAL BOOTSTRAP NAVBAR
   Styles the navbar in navbar.html specifically.
   Keep this block at the end so it wins over older overrides.
   ========================================================= */

.richway-navbar {
    min-height: 96px;
    padding: 8px 0;
    background: var(--rw-white);
    border-bottom: 1px solid var(--rw-border);
    box-shadow: 0 3px 12px rgba(7, 31, 61, 0.05);
}

.richway-navbar > .container {
    display: flex;
    align-items: center;
    gap: 24px;
}

.richway-navbar .navbar-brand {
    min-width: 0;
    margin-right: 20px;
    padding: 0;
    text-decoration: none;
}

.richway-navbar .brand-shield {
    flex: 0 0 auto;
    width: 46px;
    height: 52px;
    margin-right: 11px;
    border-width: 3px;
}

.richway-navbar .brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1;
    white-space: nowrap;
}

.richway-navbar .brand-text strong {
    color: var(--rw-navy);
    font-size: 1.25rem;
    letter-spacing: 0.07em;
}

.richway-navbar .brand-text span {
    margin-top: 5px;
    color: var(--rw-red);
    font-size: 0.70rem;
    letter-spacing: 0.25em;
}

.richway-navbar .navbar-collapse {
    align-items: center;
}

.richway-navbar .navbar-nav {
    align-items: center;
    gap: 2px;
}

.richway-navbar .nav-link {
    position: relative;
    margin: 0;
    padding: 12px 11px;
    color: var(--rw-navy);
    font-size: 0.94rem;
    font-weight: 650;
    white-space: nowrap;
    transition: color 0.2s ease;
}

.richway-navbar .nav-link:hover,
.richway-navbar .nav-link:focus-visible {
    color: var(--rw-red);
}

.richway-navbar .nav-link::after {
    content: "";
    position: absolute;
    right: 11px;
    bottom: 5px;
    left: 11px;
    width: auto;
    height: 2px;
    background: var(--rw-red);
    transform: scaleX(0);
    transform-origin: center;
    transition: transform 0.2s ease;
}

.richway-navbar .nav-link:hover::after,
.richway-navbar .nav-link:focus-visible::after {
    width: auto;
    transform: scaleX(1);
}

.richway-navbar .richway-btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    margin-left: 8px;
    padding: 10px 18px;
    border: 1px solid var(--rw-red);
    border-radius: 7px;
    background: var(--rw-red);
    color: var(--rw-white) !important;
    font-size: 0.92rem;
    font-weight: 750;
    line-height: 1.2;
    white-space: nowrap;
    box-shadow: 0 4px 10px rgba(254, 92, 3, 0.14);
}

.richway-navbar .richway-btn-primary:hover,
.richway-navbar .richway-btn-primary:focus-visible {
    border-color: var(--rw-red-dark);
    background: var(--rw-red-dark);
    color: var(--rw-white) !important;
    transform: translateY(-1px);
}

.richway-navbar .navbar-toggler {
    flex: 0 0 auto;
    padding: 8px 10px;
    border: 1px solid var(--rw-border);
    border-radius: 8px;
    box-shadow: none;
}

.richway-navbar .navbar-toggler:focus {
    box-shadow: 0 0 0 3px rgba(254, 92, 3, 0.18);
}

@media (max-width: 1199.98px) and (min-width: 992px) {
    .richway-navbar > .container {
        gap: 12px;
    }

    .richway-navbar .navbar-brand {
        margin-right: 8px;
    }

    .richway-navbar .nav-link {
        padding-right: 8px;
        padding-left: 8px;
        font-size: 0.90rem;
    }

    .richway-navbar .richway-btn-primary {
        margin-left: 4px;
        padding-right: 13px;
        padding-left: 13px;
    }
}

@media (max-width: 991.98px) {
    .richway-navbar {
        min-height: 82px;
        padding: 7px 0;
    }

    .richway-navbar > .container {
        flex-wrap: wrap;
        gap: 8px;
    }

    .richway-navbar .navbar-brand {
        margin-right: auto;
    }

    .richway-navbar .navbar-collapse {
        flex-basis: 100%;
        width: 100%;
        padding: 8px 0 12px;
        border-top: 1px solid var(--rw-border);
    }

    .richway-navbar .navbar-nav {
        align-items: stretch;
        gap: 0;
        padding-top: 5px;
    }

    .richway-navbar .nav-item {
        width: 100%;
    }

    .richway-navbar .nav-link {
        display: block;
        margin: 0;
        padding: 11px 8px;
        white-space: normal;
    }

    .richway-navbar .nav-link::after {
        display: none;
    }

    .richway-navbar .nav-item.ms-lg-3 {
        margin-left: 0 !important;
        padding-top: 7px;
    }

    .richway-navbar .richway-btn-primary {
        width: 100%;
        min-height: 46px;
        margin-left: 0;
    }
}

@media (max-width: 575.98px) {
    .richway-navbar {
        min-height: 74px;
    }

    .richway-navbar .brand-shield {
        width: 40px;
        height: 46px;
        margin-right: 8px;
    }

    .richway-navbar .brand-text strong {
        font-size: 1.08rem;
    }

    .richway-navbar .brand-text span {
        font-size: 0.62rem;
        letter-spacing: 0.22em;
    }
}

@media (prefers-reduced-motion: reduce) {
    .richway-navbar .nav-link,
    .richway-navbar .nav-link::after,
    .richway-navbar .richway-btn-primary {
        transition: none;
    }
}


/* Richway brand correction: red text accents use orange site-wide. */
:root {
  --rw-red: #FE5C03;
  --rw-red-dark: #D94A00;
}

/* Richways Insurance footer contrast and accessibility fix */
.footer-contact,
.footer-contact h2,
.footer-contact p {
    color: #FFFFFF !important;
}

.footer-contact h2 {
    margin-bottom: 14px;
    font-weight: 700;
}

.footer-contact p {
    line-height: 1.7;
}

.footer-contact i {
    color: #FE5C03 !important;
    margin-right: 8px;
}

.footer-contact a {
    color: #FE5C03 !important;
    font-weight: 700;
    text-decoration: none;
}

.footer-contact a:hover,
.footer-contact a:focus-visible {
    color: #FFFFFF !important;
    text-decoration: underline;
}

.footer-copyright {
    color: #D8E1EC !important;
}

@media (max-width: 700px) {
    .footer-contact {
        overflow-wrap: anywhere;
    }
}