/* ============================================
   ATV Insurance — Style System
   Colors: Steel Blue #2c3e50, Orange #e67e22
   Fonts: Oswald (headings), Open Sans (body)
   Style: Rugged, outdoor, bold
   ============================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Open Sans', sans-serif;
  color: #444;
  line-height: 1.7;
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #e67e22; text-decoration: none; transition: color .2s; }
a:hover { color: #d35400; }

h1, h2, h3, h4 { font-family: 'Oswald', sans-serif; color: #2c3e50; line-height: 1.2; font-weight: 700; text-transform: uppercase; }
h1 { font-size: 3rem; margin-bottom: 1rem; letter-spacing: 1px; }
h2 { font-size: 2rem; margin-bottom: .75rem; }
h3 { font-size: 1.3rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* --- Top Bar --- */
.top-bar {
  background: #1a252f;
  padding: 8px 0;
  text-align: center;
  font-size: .85rem;
  color: #e67e22;
  font-weight: 600;
  letter-spacing: .5px;
}

/* --- Header --- */
.site-header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 10px rgba(0,0,0,.08);
  border-bottom: 3px solid #e67e22;
}
.site-header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 12px;
  padding-bottom: 12px;
}
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon {
  width: 44px;
  height: 44px;
  background: #e67e22;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.1rem;
}
.logo-text {
  font-family: 'Oswald', sans-serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: #2c3e50;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.logo-text span { color: #e67e22; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: #2c3e50; margin: 5px 0; border-radius: 2px; transition: .3s; }

.main-nav ul { list-style: none; display: flex; gap: 24px; align-items: center; }
.main-nav a {
  color: #2c3e50;
  font-weight: 600;
  font-size: .9rem;
  text-transform: uppercase;
  letter-spacing: .8px;
  padding: 6px 0;
  position: relative;
  transition: color .2s;
}
.main-nav a::after { content: ''; position: absolute; bottom: -2px; left: 0; width: 0; height: 3px; background: #e67e22; transition: width .3s; }
.main-nav a:hover::after, .main-nav a.active::after { width: 100%; }
.main-nav a:hover { color: #e67e22; }
.nav-phone { color: #2c3e50 !important; font-weight: 700; white-space: nowrap; }
.nav-phone i { color: #e67e22; margin-right: 4px; }
.nav-cta {
  background: #e67e22 !important;
  color: #fff !important;
  padding: 10px 24px !important;
  border-radius: 6px;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: #d35400 !important; }

/* --- Breadcrumbs --- */
.breadcrumbs {
  background: #f4f6f7;
  padding: 12px 0;
  font-size: .85rem;
  color: #888;
  border-bottom: 1px solid #e8e8e8;
}
.breadcrumbs a { color: #e67e22; }
.breadcrumbs span { margin: 0 8px; color: #ccc; }

/* --- Hero --- */
.hero {
  background: linear-gradient(160deg, rgba(44,62,80,.88) 0%, rgba(26,37,47,.82) 100%),
              url('https://images.unsplash.com/photo-1568772585407-9361f9bf3a87?w=1400&q=80') center/cover no-repeat;
  color: #fff;
  padding: 100px 0 120px;
}
.hero h1 { color: #fff; font-size: 3.5rem; max-width: 650px; }
.hero h1 span { color: #e67e22; }
.hero p { font-size: 1.2rem; max-width: 550px; margin-bottom: 2rem; opacity: .9; }

/* Hero Zip Form */
.hero-form {
  display: flex;
  gap: 0;
  max-width: 420px;
  margin-bottom: 1rem;
}
.hero-form input {
  flex: 1;
  padding: 16px 20px;
  font-size: 1.1rem;
  border: none;
  border-radius: 6px 0 0 6px;
  font-family: 'Open Sans', sans-serif;
  outline: none;
}
.hero-form input::placeholder { color: #aaa; }
.hero-form button {
  padding: 16px 28px;
  background: #e67e22;
  color: #fff;
  border: none;
  border-radius: 0 6px 6px 0;
  font-family: 'Oswald', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  cursor: pointer;
  transition: background .2s;
  white-space: nowrap;
}
.hero-form button:hover { background: #d35400; }
.hero-form.shake { animation: shake .4s ease-in-out; }
@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20%, 60% { transform: translateX(-6px); }
  40%, 80% { transform: translateX(6px); }
}
.hero-phone {
  font-size: 1.05rem;
  margin-bottom: 1.5rem;
  opacity: .85;
}
.hero-phone a { color: #fff; font-weight: 700; }
.hero-phone a:hover { color: #e67e22; }

/* Trust Badges */
.trust-badges {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.trust-badges .badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .9rem;
  color: rgba(255,255,255,.8);
}
.trust-badges .badge i { color: #e67e22; font-size: 1rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  font-family: 'Oswald', sans-serif;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.btn-primary { background: #e67e22; color: #fff; }
.btn-primary:hover { background: #d35400; color: #fff; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(230,126,34,.3); }
.btn-outline { border: 2px solid #e67e22; color: #e67e22; background: transparent; }
.btn-outline:hover { background: #e67e22; color: #fff; }
.btn-dark { background: #2c3e50; color: #fff; }
.btn-dark:hover { background: #1a252f; color: #fff; }
.btn-white { background: #fff; color: #2c3e50; }
.btn-white:hover { background: #f0f0f0; color: #2c3e50; }

/* --- Sections --- */
.section { padding: 80px 0; }
.section-alt { background: #f4f6f7; }
.section-dark { background: #2c3e50; color: #fff; }
.section-dark h2 { color: #e67e22; }
.section-dark p { color: rgba(255,255,255,.82); }
.section-orange { background: linear-gradient(135deg, #e67e22, #d35400); color: #fff; }
.section-header { text-align: center; max-width: 700px; margin: 0 auto 50px; }
.section-header p { color: #777; font-size: 1.05rem; }

/* --- Stats Bar --- */
.stats-bar {
  background: #2c3e50;
  padding: 40px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item h3 {
  color: #e67e22;
  font-size: 2.4rem;
  margin-bottom: 4px;
  text-transform: none;
}
.stat-item p {
  color: rgba(255,255,255,.7);
  font-size: .9rem;
  margin: 0;
  text-transform: uppercase;
  letter-spacing: .5px;
  font-weight: 600;
}

/* --- How It Works --- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(16.67% + 20px);
  right: calc(16.67% + 20px);
  height: 3px;
  background: #e67e22;
  opacity: .3;
}
.step-item {
  text-align: center;
  position: relative;
}
.step-number {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #e67e22, #d35400);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Oswald', sans-serif;
  font-size: 2rem;
  font-weight: 700;
  color: #fff;
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
}
.step-item h3 { text-transform: none; }
.step-item p { color: #666; font-size: .95rem; }

/* --- Vehicle Type Cards --- */
.vehicle-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.vehicle-card {
  position: relative;
  border-radius: 12px;
  overflow: hidden;
  height: 220px;
  cursor: pointer;
  transition: transform .3s;
}
.vehicle-card:hover { transform: scale(1.03); }
.vehicle-card img { width: 100%; height: 100%; object-fit: cover; }
.vehicle-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 40%, rgba(44,62,80,.85) 100%);
  display: flex;
  align-items: flex-end;
  padding: 20px;
}
.vehicle-card h3 { color: #fff; text-transform: uppercase; font-size: 1.4rem; letter-spacing: 1px; margin: 0; }

/* --- Coverage Cards --- */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.coverage-card {
  background: #fff;
  border-radius: 10px;
  padding: 32px 24px;
  border: 1px solid #e0e0e0;
  border-top: 4px solid #e67e22;
  transition: box-shadow .3s, transform .2s;
}
.coverage-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,.07); transform: translateY(-3px); }
.coverage-card i { font-size: 2rem; color: #e67e22; margin-bottom: 14px; }
.coverage-card p { color: #666; font-size: .9rem; margin: 0; }

/* --- Content Split --- */
.content-split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }

/* --- Checklist --- */
.checklist { margin: 16px 0; list-style: none; color: #555; }
.checklist li { padding: 6px 0; }
.checklist i { color: #e67e22; margin-right: 10px; }

/* --- Coverage Recommendation Table --- */
.coverage-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: .95rem;
}
.coverage-table th {
  background: #2c3e50;
  color: #fff;
  padding: 14px 20px;
  text-align: left;
  font-family: 'Oswald', sans-serif;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.coverage-table td {
  padding: 14px 20px;
  border-bottom: 1px solid #e0e0e0;
  color: #555;
}
.coverage-table tr:nth-child(even) td { background: #f9fafb; }
.coverage-table .arrow { color: #e67e22; font-weight: 700; }

/* --- Carrier Logos --- */
.carriers-section { text-align: center; }
.carrier-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  margin-top: 32px;
  opacity: .5;
  filter: grayscale(1);
}
.carrier-logos span {
  font-family: 'Oswald', sans-serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: #2c3e50;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* --- FAQ Accordion --- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  background: #fff;
  border: 1px solid #e0e0e0;
  border-radius: 8px;
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow .3s;
}
.faq-item:hover { box-shadow: 0 4px 15px rgba(0,0,0,.05); }
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  font-family: 'Oswald', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: #2c3e50;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color .2s;
}
.faq-question:hover { color: #e67e22; }
.faq-question i { color: #e67e22; transition: transform .3s; font-size: .9rem; }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.faq-answer-inner {
  padding: 0 24px 20px;
  color: #666;
  font-size: .95rem;
  line-height: 1.7;
}

/* --- Blog Grid --- */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card {
  background: #fff;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid #e0e0e0;
  transition: box-shadow .3s, transform .2s;
}
.blog-card:hover { box-shadow: 0 8px 25px rgba(0,0,0,.07); transform: translateY(-2px); }
.blog-card-img { height: 180px; background-size: cover; background-position: center; }
.blog-card-body { padding: 20px; }
.blog-card h3 { font-size: 1rem; text-transform: none; margin-bottom: 8px; }
.blog-card h3 a { color: #2c3e50; }
.blog-card h3 a:hover { color: #e67e22; }
.blog-card p { font-size: .85rem; color: #777; margin-bottom: 10px; }
.blog-card .read-more { font-weight: 700; font-size: .82rem; color: #e67e22; text-transform: uppercase; letter-spacing: .5px; }

/* --- Blog Article --- */
.article-content { max-width: 780px; margin: 0 auto; }
.article-content h1 { text-transform: none; font-size: 2.2rem; }
.article-content h2 { font-size: 1.5rem; margin-top: 2rem; text-transform: none; }
.article-content h3 { font-size: 1.2rem; margin-top: 1.5rem; text-transform: none; }
.article-content p { font-size: 1rem; color: #444; }
.article-content ul, .article-content ol { margin: 12px 0 16px 24px; color: #555; }
.article-content li { margin-bottom: 8px; }
.article-meta { color: #999; font-size: .85rem; margin-bottom: 24px; }
.article-meta span { margin-right: 16px; }

/* --- Forms --- */
.form-section { padding: 80px 0; }
.form-wrapper {
  max-width: 700px;
  margin: 0 auto;
  background: #fff;
  border-radius: 12px;
  padding: 48px 40px;
  box-shadow: 0 8px 30px rgba(0,0,0,.07);
  border: 1px solid #e0e0e0;
}
.form-wrapper h2 { text-align: center; margin-bottom: 6px; text-transform: none; }
.form-subtitle { text-align: center; color: #888; margin-bottom: 32px; }

/* Multi-Step Progress */
.form-progress {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 32px;
  align-items: center;
}
.form-progress .step {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #e0e0e0;
  color: #999;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Oswald', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  transition: all .3s;
}
.form-progress .step.active {
  background: #e67e22;
  color: #fff;
}
.form-progress .step.completed {
  background: #27ae60;
  color: #fff;
}
.form-progress .step-line {
  width: 60px;
  height: 3px;
  background: #e0e0e0;
  border-radius: 2px;
  transition: background .3s;
}
.form-progress .step-line.active { background: #e67e22; }

.form-step { display: none; }
.form-step.active { display: block; }

.form-step-header { color: #e67e22; margin: 24px 0 16px; font-size: 1.05rem; border-bottom: 2px solid #eee; padding-bottom: 8px; text-transform: none; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; color: #2c3e50; font-size: .9rem; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid #d0d5dd; border-radius: 6px;
  font-size: 1rem; font-family: 'Open Sans', sans-serif; transition: border-color .2s, box-shadow .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: #e67e22; box-shadow: 0 0 0 3px rgba(230,126,34,.1); }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group .error-msg { color: #e53935; font-size: .8rem; margin-top: 4px; display: none; }
.form-group.has-error input, .form-group.has-error select, .form-group.has-error textarea { border-color: #e53935; }
.form-group.has-error .error-msg { display: block; }
.form-consent { font-size: .82rem; color: #999; margin-bottom: 20px; display: flex; gap: 8px; align-items: flex-start; }
.form-consent input[type="checkbox"] { margin-top: 3px; accent-color: #e67e22; }
.form-consent.has-error { color: #e53935; }
.form-consent.has-error input[type="checkbox"] { outline: 2px solid #e53935; outline-offset: 1px; }
.btn-submit { width: 100%; padding: 16px; font-size: 1.05rem; }
.btn-skip { width: 100%; padding: 12px; font-size: .95rem; background: transparent; color: #888; border: 1px solid #d0d5dd; margin-top: 8px; }
.btn-skip:hover { color: #2c3e50; border-color: #2c3e50; }
.btn-back { background: none; color: #888; border: none; padding: 8px 0; font-size: .9rem; cursor: pointer; margin-bottom: 16px; font-family: 'Open Sans', sans-serif; }
.btn-back:hover { color: #2c3e50; }
.form-success, .form-error { display: none; padding: 16px; border-radius: 8px; margin-top: 16px; font-weight: 600; text-align: center; }
.form-success { background: #e8f5e9; color: #2e7d32; border: 1px solid #c8e6c9; }
.form-error { background: #ffebee; color: #c62828; border: 1px solid #ffcdd2; }

/* Form Trust Signals */
.form-trust {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid #eee;
}
.form-trust .trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: #888;
}
.form-trust .trust-item i { color: #e67e22; }

/* What Happens Next */
.next-steps {
  max-width: 700px;
  margin: 0 auto;
}
.next-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 32px;
}
.next-step {
  text-align: center;
}
.next-step-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #e67e22, #d35400);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: #fff;
  font-size: 1.4rem;
}
.next-step h3 { font-size: 1.05rem; text-transform: none; }
.next-step p { font-size: .9rem; color: #666; margin: 0; }

/* --- Contact Section --- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.contact-info h3 { text-transform: none; margin-bottom: 16px; }
.contact-info p { display: flex; align-items: center; gap: 10px; color: #555; }
.contact-info i { color: #e67e22; width: 16px; text-align: center; }

/* --- CTA Banner --- */
.cta-banner { background: linear-gradient(135deg, #e67e22 0%, #d35400 100%); padding: 70px 0; text-align: center; color: #fff; }
.cta-banner h2 { color: #fff; font-size: 2.2rem; margin-bottom: 12px; }
.cta-banner p { font-size: 1.1rem; max-width: 550px; margin: 0 auto 28px; opacity: .92; }
.cta-banner .btn + .btn { margin-left: 12px; }

/* --- Thank You Page --- */
.thank-you-icon {
  width: 100px;
  height: 100px;
  background: #e8f5e9;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.thank-you-icon i { font-size: 3rem; color: #27ae60; }

/* --- 404 Page --- */
.error-page { text-align: center; padding: 100px 0; }
.error-page h1 { font-size: 8rem; color: #e67e22; margin-bottom: 0; }
.error-page h2 { text-transform: none; margin-bottom: 16px; }
.error-page p { color: #666; margin-bottom: 28px; }

/* --- Footer --- */
.site-footer { background: #1a252f; color: rgba(255,255,255,.6); padding: 60px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-about .logo-text { color: #fff; }
.footer-about p { font-size: .88rem; margin-top: 12px; }
.footer-links h4, .footer-contact h4 { color: #e67e22; font-size: .9rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 1px; font-family: 'Oswald', sans-serif; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: rgba(255,255,255,.6); font-size: .88rem; }
.footer-links a:hover { color: #e67e22; }
.footer-contact p { font-size: .88rem; margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.footer-contact i { color: #e67e22; width: 14px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 24px; display: flex; justify-content: space-between; font-size: .8rem; }
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: #e67e22; }
.footer-legal { display: flex; gap: 20px; }

/* --- Sticky Mobile CTA --- */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 90;
  background: #2c3e50;
  padding: 12px 20px;
  box-shadow: 0 -4px 20px rgba(0,0,0,.15);
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.sticky-cta .btn { flex: 1; text-align: center; justify-content: center; padding: 12px 16px; font-size: .9rem; }
.sticky-cta .btn-phone { background: transparent; border: 2px solid #fff; color: #fff; flex: none; padding: 12px 16px; }
.sticky-cta .btn-phone:hover { background: rgba(255,255,255,.1); }

/* --- Legal Pages --- */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.4rem; margin-top: 2rem; text-transform: none; }
.legal-content p, .legal-content li { color: #555; font-size: .95rem; }
.legal-content ul { margin: 12px 0 12px 24px; }
.legal-content li { margin-bottom: 6px; }

/* --- Coverage Page Alternating Splits --- */
.coverage-detail { padding: 60px 0; border-bottom: 1px solid #eee; }
.coverage-detail:last-child { border-bottom: none; }
.coverage-detail:nth-child(even) .content-split { direction: rtl; }
.coverage-detail:nth-child(even) .content-split > * { direction: ltr; }
.coverage-detail-icon {
  width: 70px;
  height: 70px;
  background: linear-gradient(135deg, #e67e22, #d35400);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.6rem;
  margin-bottom: 20px;
}

/* --- Responsive --- */
@media (max-width: 968px) {
  .vehicle-grid, .coverage-grid, .blog-grid, .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .content-split { grid-template-columns: 1fr; gap: 30px; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .next-steps-grid { grid-template-columns: 1fr; }
  h1 { font-size: 2.4rem; }
  .hero { padding: 70px 0 80px; }
  .hero h1 { font-size: 2.8rem; }
  .coverage-detail:nth-child(even) .content-split { direction: ltr; }
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav { position: fixed; top: 0; right: -100%; width: 280px; height: 100vh; background: #fff; box-shadow: -4px 0 20px rgba(0,0,0,.1); transition: right .3s; z-index: 200; padding: 80px 30px 30px; }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav li { border-bottom: 1px solid #eee; }
  .main-nav a { display: block; padding: 16px 0; font-size: 1rem; }
  .nav-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.4); z-index: 150; }
  .nav-overlay.active { display: block; }
  .top-bar { font-size: .78rem; }
  .hero-form { max-width: 100%; }
  .trust-badges { gap: 16px; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 28px 20px; }
  .form-trust { flex-direction: column; align-items: center; gap: 12px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .section { padding: 50px 0; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .cta-banner .btn + .btn { margin-left: 0; margin-top: 12px; }
  .sticky-cta.visible { display: flex; }
  body { padding-bottom: 70px; }
}

@media (max-width: 480px) {
  .blog-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
}

@media (min-width: 769px) {
  .sticky-cta { display: none !important; }
}