/* ============================================================
   Policy Service Department — policyservicedepartment.com
   Official / institutional theme (US design-system inspired).
   Typeface: Public Sans (the U.S. government's open-source font).
   Phone: (888) 503-0063  ·  tel:+18885030063
   NOTE: Deliberately NOT a government site — clear disclaimers
   throughout. Licensed private insurance agency.
   ============================================================ */
:root{
  --navy:#1a4480;        /* masthead / primary dark */
  --navy-d:#162e51;      /* utility bar */
  --blue:#005ea2;        /* primary action / links */
  --blue-d:#00477a;
  --blue-l:#e8f0f7;      /* light fills */
  --green:#008817;       /* CALL action (go) */
  --green-d:#006b12;
  --gold:#ffbe2e;        /* accent rule */
  --ink:#1b1b1b;
  --muted:#565c65;       /* USWDS gray-cool-60 */
  --soft:#71767a;
  --line:#dfe1e2;
  --bg:#f0f0f0;
  --bg2:#f7f9fb;
  --white:#ffffff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:'Public Sans','Helvetica Neue',Arial,system-ui,sans-serif;
  line-height:1.6;-webkit-font-smoothing:antialiased;
}
a{color:var(--blue)}
img{max-width:100%}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}

/* ---------- Utility bar (thin, official) ---------- */
.util{background:var(--navy-d);color:#d3dce7}
.util-in{max-width:960px;margin:0 auto;padding:7px 20px;font-size:12.5px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.util .lock{color:#8ba7c9}
.util b{color:#fff;font-weight:600}
.util .sep{color:#4d6183}

/* ---------- Masthead ---------- */
.mast{background:var(--white);border-bottom:4px solid var(--navy)}
.mast-in{max-width:960px;margin:0 auto;padding:16px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.seal{display:flex;align-items:center;gap:13px;text-decoration:none}
.seal svg{width:46px;height:46px;flex:none}
.seal-txt{display:flex;flex-direction:column;line-height:1.15}
.seal-txt b{font-size:19px;color:var(--navy);font-weight:700;letter-spacing:.2px}
.seal-txt span{font-size:11.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.7px}
.mast-call{display:flex;flex-direction:column;align-items:flex-end;text-decoration:none}
.mast-call small{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;font-weight:600}
.mast-call b{font-size:22px;color:var(--green-d);font-weight:800;letter-spacing:.3px}

/* ---------- Nav bar ---------- */
.nav{background:var(--navy)}
.nav-in{max-width:960px;margin:0 auto;padding:0 20px;display:flex;gap:2px}
.nav-in a{color:#dbe4ef;text-decoration:none;font-weight:600;font-size:15px;padding:13px 16px;border-bottom:3px solid transparent}
.nav-in a:hover{background:rgba(255,255,255,.08);color:#fff}
.nav-in a.active{color:#fff;border-bottom-color:var(--gold);background:rgba(255,255,255,.06)}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(180deg,var(--white) 0%,var(--bg2) 100%);border-bottom:1px solid var(--line);padding:50px 0 44px;text-align:center}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.7px;background:var(--blue-l);padding:6px 14px;border-radius:4px;border:1px solid #cfe0ee}
.h1{font-size:38px;line-height:1.15;font-weight:800;margin:18px auto 14px;max-width:780px;color:var(--navy)}
.sub{font-size:18px;color:var(--muted);max-width:660px;margin:0 auto 26px}
.cta{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:800;font-size:22px;padding:17px 34px;border-radius:6px;box-shadow:0 6px 16px rgba(0,136,23,.25);border:1px solid var(--green-d)}
.cta:hover{background:var(--green-d)}
.cta:active{transform:translateY(1px)}
.cta-blue{background:var(--blue);border-color:var(--blue-d);box-shadow:0 6px 16px rgba(0,94,162,.25)}
.cta-blue:hover{background:var(--blue-d)}
.cta-note{margin-top:12px;font-size:14px;color:var(--soft)}

/* ---------- Trust strip ---------- */
.trust{background:var(--navy);color:#dbe4ef}
.trust-in{max-width:960px;margin:0 auto;padding:16px 20px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;text-align:center}
.trust-in div{font-size:14px;font-weight:600}
.trust-in b{color:#fff;display:block;font-size:16px;margin-bottom:2px}

/* ---------- Sections ---------- */
.sec{padding:44px 0}
.sec-alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.h2{text-align:center;font-size:27px;font-weight:800;color:var(--navy);margin:0 0 8px}
.h2 + .sec-lead{margin-top:0}
.sec-lead{text-align:center;color:var(--muted);max-width:640px;margin:0 auto 28px;font-size:16px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--blue);border-radius:6px;padding:22px}
.sec-alt .card{background:var(--bg2)}
.card .ic{font-size:24px}
.card h3{margin:8px 0 6px;font-size:18px;color:var(--navy)}
.card p{margin:0;color:var(--muted);font-size:15px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.step{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:22px;text-align:center}
.sec-alt .step{background:var(--bg2)}
.num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:999px;background:var(--blue);color:#fff;font-weight:800;margin-bottom:10px;font-size:17px}
.step p{margin:0;color:var(--muted)}
.center{text-align:center}
.mt{margin-top:28px}

/* ---------- Content pages ---------- */
.page{padding:40px 0 8px}
.page h1{font-size:31px;color:var(--navy);font-weight:800;margin:0 0 6px}
.page .lede{color:var(--muted);font-size:17px;margin:0 0 26px}
.prose{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:30px 32px}
.prose h2{font-size:20px;color:var(--navy);margin:26px 0 8px}
.prose h2:first-child{margin-top:0}
.prose p{color:var(--ink);margin:0 0 14px}
.prose ul{color:var(--ink);margin:0 0 14px;padding-left:22px}
.prose li{margin:6px 0}
.prose .upd{color:var(--soft);font-size:13px;margin-bottom:20px}
.callbar{background:var(--blue-l);border:1px solid #cfe0ee;border-left:4px solid var(--blue);border-radius:6px;padding:20px 24px;text-align:center;margin:26px 0}
.callbar b{color:var(--navy)}

/* ---------- Callback form ---------- */
.formsec{background:var(--navy);padding:48px 0}
.formcard{background:var(--white);border-radius:10px;max-width:680px;margin:0 auto;padding:32px 34px;box-shadow:0 18px 50px rgba(0,0,0,.28)}
.formcard .fhead{text-align:center;margin-bottom:22px}
.formcard .fhead h2{font-size:26px;color:var(--navy);font-weight:800;margin:0 0 6px}
.formcard .fhead p{color:var(--muted);margin:0;font-size:16px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:5px}
.field .req{color:#b50909}
.field input,.field select{
  width:100%;padding:12px 13px;border:1px solid #a9aeb1;border-radius:5px;font-size:15.5px;
  font-family:inherit;color:var(--ink);background:#fff;
}
.field input:focus,.field select:focus{outline:3px solid #2491ff;outline-offset:0;border-color:var(--blue)}
.consent{display:flex;gap:10px;align-items:flex-start;background:var(--bg2);border:1px solid var(--line);border-radius:6px;padding:13px 15px;margin:6px 0 18px}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.consent label{font-size:12px;color:var(--muted);line-height:1.5}
.consent a{color:var(--blue)}
.fsubmit{width:100%;background:var(--green);color:#fff;border:1px solid var(--green-d);font-weight:800;font-size:19px;padding:15px;border-radius:6px;cursor:pointer}
.fsubmit:hover{background:var(--green-d)}
.fsubmit:disabled{opacity:.6;cursor:not-allowed}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.fmsg{text-align:center;padding:14px;border-radius:6px;font-weight:600;margin-top:4px}
.fmsg.ok{background:#ecf6ec;border:1px solid #b7d7b7;color:#12551a}
.fmsg.err{background:#fbeaea;border:1px solid #eabcbc;color:#8a1c1c}
.fnote{text-align:center;color:#8ba7c9;font-size:12.5px;margin-top:16px}

/* ---------- Footer ---------- */
.foot{background:var(--navy-d);color:#aeb9c6;padding:32px 0 40px;border-top:4px solid var(--navy)}
.foot-links{display:flex;gap:22px;justify-content:center;flex-wrap:wrap;margin-bottom:18px}
.foot-links a{color:#d7e0ea;text-decoration:none;font-weight:600;font-size:14px}
.foot-links a:hover{color:#fff}
.disc{font-size:12.5px;color:#8a97a6;max-width:840px;margin:0 auto;text-align:center;line-height:1.6}
.disc strong{color:#c3ccd6}
.copy{text-align:center;font-size:12.5px;color:#6f7c8b;margin-top:18px}

/* ---------- Step wizard (one question at a time) ---------- */
.wiz-prog{margin-bottom:20px}
.wiz-prog .lbl{font-size:12px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;margin-bottom:7px;display:block;text-align:center}
.wiz-bar{height:7px;background:#e6eaee;border-radius:99px;overflow:hidden}
.wiz-bar-fill{height:100%;background:var(--blue);width:25%;transition:width .28s ease;border-radius:99px}
.wiz-step{display:none}
.wiz-step.active{display:block;animation:wizin .25s ease}
@keyframes wizin{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.wiz-q{font-size:22px;font-weight:800;color:var(--navy);text-align:center;margin:4px 0 20px}
.wiz-opts{display:flex;flex-direction:column;gap:10px}
.opt{display:flex;align-items:center;gap:12px;width:100%;text-align:left;background:#fff;border:1.5px solid #c6ccd2;border-radius:8px;padding:15px 17px;font-size:16px;font-weight:600;color:var(--ink);cursor:pointer;font-family:inherit}
.opt:hover{border-color:var(--blue);background:var(--blue-l)}
.opt .dot{width:20px;height:20px;border-radius:99px;border:2px solid #b0b8c0;flex:none}
.opt.selected{border-color:var(--blue);background:var(--blue-l)}
.opt.selected .dot{border-color:var(--blue);background:var(--blue);box-shadow:inset 0 0 0 3px #fff}
.wiz-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:20px}
.btn-back{background:none;border:none;color:var(--muted);font-weight:700;font-size:15px;cursor:pointer;font-family:inherit;padding:6px}
.btn-back:hover{color:var(--navy)}
.btn-back[hidden]{display:none}
.btn-next{background:var(--blue);color:#fff;border:1px solid var(--blue-d);font-weight:800;font-size:16px;padding:12px 26px;border-radius:6px;cursor:pointer;font-family:inherit}
.btn-next:hover{background:var(--blue-d)}

/* ---------- Mobile ---------- */
@media(max-width:760px){
  .h1{font-size:29px}
  .sub{font-size:16px}
  .cta{font-size:20px;padding:15px 24px;display:block;margin:0 auto;max-width:340px}
  .grid3,.steps,.trust-in{grid-template-columns:1fr}
  .trust-in{gap:10px}
  .nav-in{overflow-x:auto}
  .nav-in a{white-space:nowrap;padding:12px 13px;font-size:14px}
  .mast-call b{font-size:19px}
  .seal-txt b{font-size:16px}
  .page h1{font-size:25px}
  .prose{padding:22px 20px}
  .formcard{padding:24px 20px}
  .frow{grid-template-columns:1fr}
}

/* ---------- Carrier logo wall ---------- */
.cwall{padding:8px 0 20px}
.cwall .lede{text-align:center;color:var(--muted);max-width:640px;margin:0 auto 26px;font-size:16px}
.cgrid{display:grid;gap:13px;margin-bottom:16px}
.cgrid.feat{grid-template-columns:repeat(4,1fr)}
.cgrid.rest{grid-template-columns:repeat(5,1fr)}
.carrier{display:flex;align-items:center;justify-content:center;text-align:center;background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 12px;font-weight:800;color:var(--navy);box-shadow:0 2px 6px rgba(18,48,90,.04);line-height:1.2}
.cgrid.feat .carrier{min-height:96px;font-size:17px;border-top:3px solid var(--blue)}
.cgrid.rest .carrier{min-height:74px;font-size:14px}
.cwall .grp{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--soft);text-align:center;margin:26px 0 12px}
@media(max-width:900px){.cgrid.feat{grid-template-columns:repeat(3,1fr)}.cgrid.rest{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.cgrid.feat,.cgrid.rest{grid-template-columns:repeat(2,1fr)}}