/* ═══════════════════════════════════════════════════════════════
   LOON INSURANCE GROUP — main.css  (Mobile-first responsive)
   ═══════════════════════════════════════════════════════════════ */
:root {
  --navy: #1B3E6A; --navy-dark: #12294A; --navy-light: #E6EEF7;
  --red: #A32D2D; --red-light: #FAEAEA;
  --text: #1a1a2e; --text2: #5a6377; --border: #dde3ef;
  --bg: #fff; --bg2: #f6f8fc; --radius: 10px;
  --font: 'Inter', system-ui, -apple-system, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--bg); overflow-x: hidden; }
a { text-decoration: none; color: inherit; }
button { font-family: var(--font); cursor: pointer; }
img { max-width: 100%; height: auto; display: block; }

/* ── HOURS BAR ── */
.hours-bar {
  background: var(--navy-dark); color: rgba(255,255,255,.85);
  text-align: center; font-size: 12px; padding: .45rem 1rem;
  line-height: 1.4;
}

/* ── NAV ── */
nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: .75rem 1.25rem; border-bottom: 1px solid var(--border);
  position: sticky; top: 0; background: rgba(255,255,255,.97);
  backdrop-filter: blur(8px); z-index: 300; gap: .75rem;
}
.nav-logo img { height: 40px; width: auto; }
.nav-links { display: none; }
.nav-ctas { display: flex; gap: 6px; }
.hamburger {
  display: flex; flex-direction: column; gap: 5px;
  background: none; border: none; padding: 4px; cursor: pointer;
}
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: .25s; }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-menu {
  display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--navy-dark); z-index: 400; flex-direction: column;
  align-items: center; justify-content: center; gap: 1.5rem;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 22px; font-weight: 600; color: #fff;
  padding: .5rem 2rem; border-radius: 8px; cursor: pointer;
}
.mobile-menu a:hover { background: rgba(255,255,255,.1); }
.mobile-menu-close {
  position: absolute; top: 1.25rem; right: 1.25rem;
  background: rgba(255,255,255,.1); border: none; border-radius: 8px;
  width: 40px; height: 40px; display: flex; align-items: center;
  justify-content: center; color: #fff; font-size: 20px; cursor: pointer;
}
.mobile-menu-ctas { display: flex; flex-direction: column; gap: 10px; margin-top: .5rem; width: 200px; }
.mobile-menu-ctas .btn { justify-content: center; padding: 12px; font-size: 15px; }

/* ── BUTTONS ── */
.btn {
  border-radius: 8px; padding: 9px 18px; font-size: 13.5px;
  font-weight: 500; cursor: pointer; border: 1px solid var(--border);
  background: transparent; color: var(--text); transition: .15s;
  display: inline-flex; align-items: center; gap: 5px;
}
.btn:hover { background: var(--bg2); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-dark); }
.btn-red { background: var(--red); color: #fff; border-color: var(--red); }
.btn-red:hover { background: #8a2525; }

/* ── HERO ── */
.hero-wrap {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #0d2440 0%, #1B3E6A 60%, #1a5276 100%);
  display: flex; flex-direction: column; justify-content: center;
}
.hero-wrap::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
  position: relative; z-index: 1; text-align: center;
  padding: 3.5rem 1.25rem 2rem; color: #fff;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.92); font-size: 11.5px; padding: 5px 14px;
  border-radius: 20px; margin-bottom: 1.25rem; font-weight: 600;
}
.hero-inner h1 {
  font-size: 26px; font-weight: 700; line-height: 1.25;
  margin-bottom: .9rem; color: #fff;
}
.hero-inner p {
  font-size: 14.5px; color: rgba(255,255,255,.75); line-height: 1.75;
  margin-bottom: 1.75rem;
}
.hero-btns { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; }
.hero-btn-primary {
  background: #fff; color: var(--navy); border: none; border-radius: 8px;
  padding: 11px 22px; font-size: 14px; font-weight: 600; transition: .15s; cursor: pointer;
}
.hero-btn-primary:hover { background: #e8f0f8; }
.hero-btn-red {
  background: var(--red); color: #fff; border: none; border-radius: 8px;
  padding: 11px 22px; font-size: 14px; font-weight: 600; transition: .15s; cursor: pointer;
}
.hero-btn-red:hover { background: #8a2525; }
.hero-btn-outline {
  background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.45);
  border-radius: 8px; padding: 11px 22px; font-size: 14px; font-weight: 500; transition: .15s; cursor: pointer;
}
.hero-btn-outline:hover { background: rgba(255,255,255,.1); }
.hero-stats {
  position: relative; z-index: 1; display: grid;
  grid-template-columns: repeat(3, 1fr); border-top: 1px solid rgba(255,255,255,.12);
}
.hero-stat { padding: 1rem .75rem; text-align: center; border-right: 1px solid rgba(255,255,255,.12); }
.hero-stat:last-child { border-right: none; }
.hero-stat-num { font-size: 20px; font-weight: 700; color: #7EC8E3; }
.hero-stat-label { font-size: 11px; color: rgba(255,255,255,.6); margin-top: 2px; }

/* ── LAYOUT ── */
.divider { height: 1px; background: var(--border); margin: 0 1.25rem; }
.section { padding: 2.5rem 1.25rem; }
.eyebrow {
  font-size: 11px; color: var(--text2); text-transform: uppercase;
  letter-spacing: .1em; margin-bottom: .5rem; font-weight: 600;
}
.section h2 { font-size: 20px; font-weight: 700; margin-bottom: .4rem; }
.section-sub { font-size: 13.5px; color: var(--text2); margin-bottom: 1.5rem; line-height: 1.6; }
.loading-placeholder { padding: 2rem; text-align: center; color: var(--text2); font-size: 13px; }

/* ── PRODUCT CARDS ── */
.product-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.pcard {
  background: #fff; border: 2px solid var(--border); border-radius: var(--radius);
  padding: 1.1rem .9rem; cursor: pointer; transition: .2s; text-align: center;
}
.pcard:hover, .pcard.active { border-color: var(--navy); background: var(--navy-light); }
.pcard .icon-wrap {
  width: 48px; height: 48px; background: var(--navy-light); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 10px; transition: .2s;
}
.pcard .icon-wrap i { font-size: 24px; color: var(--navy); }
.pcard.active .icon-wrap { background: var(--navy); }
.pcard.active .icon-wrap i { color: #fff; }
.pcard h3 { font-size: 13px; font-weight: 600; margin-bottom: 3px; }
.pcard p { font-size: 11.5px; color: var(--text2); line-height: 1.45; }

/* ── QUOTE PANEL ── */
.quote-panel {
  margin-top: 1.25rem; background: var(--bg2); border-radius: var(--radius);
  padding: 1.25rem; border: 1px solid var(--border);
}
.quote-panel h3 { font-size: 15px; font-weight: 600; margin-bottom: 1rem; color: var(--navy); }
.disclaimer {
  background: #FFF8E1; border: 1px solid #FFD54F; border-radius: 8px;
  padding: 10px 13px; margin-bottom: 12px; display: flex; gap: 9px; align-items: flex-start;
}
.disclaimer i { color: #F59E0B; font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.disclaimer p { font-size: 11.5px; color: #78350F; line-height: 1.5; font-weight: 500; }
.form-grid { display: grid; grid-template-columns: 1fr; gap: 10px; }
.form-grid .half { grid-column: 1 / -1; }
.form-sec-hdr {
  grid-column: 1 / -1; padding: 7px 0 2px; margin-top: 4px;
  border-top: 1px solid var(--border); font-size: 10.5px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .08em; color: var(--navy);
  display: flex; align-items: center; gap: 4px;
}
.form-field label { display: block; font-size: 12px; color: var(--text2); margin-bottom: 4px; font-weight: 500; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 9px 11px; border: 1px solid var(--border); border-radius: 7px;
  font-size: 14px; background: #fff; color: var(--text); transition: .15s; font-family: var(--font);
  -webkit-appearance: none; appearance: none;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(27,62,106,.1);
}
.captcha-box {
  display: inline-flex; align-items: center; gap: 10px; background: #fff;
  border: 1px solid var(--border); border-radius: 8px; padding: 10px 14px;
  margin-top: 12px; user-select: none; cursor: pointer; flex-wrap: wrap;
}
.captcha-chk {
  width: 22px; height: 22px; border: 2px solid #c5c5c5; border-radius: 4px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: .2s;
}
.captcha-chk.checked { background: #4CAF50; border-color: #4CAF50; }
.captcha-chk.checked::after { content: '✓'; color: #fff; font-size: 13px; font-weight: 700; }
.captcha-label { font-size: 13px; color: var(--text); }
.captcha-brand { margin-left: 6px; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 1px; }
.captcha-brand .lock { font-size: 17px; }
.captcha-brand .rc { font-size: 8px; color: #777; }
.captcha-brand .pt { font-size: 8px; color: #bbb; }
.consent-checks { margin-top: 10px; display: flex; flex-direction: column; gap: 7px; }
.consent-check { display: flex; align-items: flex-start; gap: 8px; font-size: 12px; color: var(--text2); line-height: 1.5; }
.consent-check input[type=checkbox] { width: 16px; height: 16px; margin-top: 1px; accent-color: var(--navy); flex-shrink: 0; cursor: pointer; }
.form-actions { margin-top: 1.1rem; display: flex; gap: 8px; flex-wrap: wrap; }
.form-msg { margin-top: 10px; padding: 10px 13px; border-radius: 8px; font-size: 13px; display: none; }
.form-msg.success { background: var(--navy-light); color: var(--navy); display: block; }
.form-msg.error { background: var(--red-light); color: var(--red); display: block; }

/* ── CARRIERS ── */
.carriers-section {
  background: var(--bg2); border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border); padding: 1.75rem 0; overflow: hidden;
}
.carriers-header { padding: 0 1.25rem 1.1rem; }
.carrier-track-wrap { position: relative; overflow: hidden; }
.carrier-track-wrap::before, .carrier-track-wrap::after {
  content: ''; position: absolute; top: 0; bottom: 0; width: 60px; z-index: 2; pointer-events: none;
}
.carrier-track-wrap::before { left: 0; background: linear-gradient(to right, var(--bg2), transparent); }
.carrier-track-wrap::after  { right: 0; background: linear-gradient(to left, var(--bg2), transparent); }
.carrier-track { display: flex; animation: marquee 32s linear infinite; }
.carrier-track:hover { animation-play-state: paused; }
.carrier-item {
  display: flex; flex-direction: column; align-items: center; gap: 7px;
  flex-shrink: 0; padding: 8px 18px; border-right: 1px solid var(--border); min-width: 110px;
}
.carrier-logo-box {
  width: 64px; height: 40px; display: flex; align-items: center; justify-content: center;
  background: #fff; border: 1px solid var(--border); border-radius: 7px; overflow: hidden; padding: 4px;
}
.carrier-logo-box img { max-width: 100%; max-height: 100%; object-fit: contain; }
.carrier-logo-text { font-size: 8.5px; font-weight: 800; color: var(--navy); text-align: center; line-height: 1.2; }
.carrier-name { font-size: 10.5px; color: var(--text2); text-align: center; font-weight: 500; }
@keyframes marquee { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* ── WHY LOON ── */
.why-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
.why-card { background: var(--bg2); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.1rem; }
.why-card i { font-size: 24px; color: var(--navy); margin-bottom: .6rem; display: block; }
.why-card h3 { font-size: 13.5px; font-weight: 600; margin-bottom: .4rem; }
.why-card p { font-size: 12.5px; color: var(--text2); line-height: 1.6; }

/* ── CLAIM SECTION ── */
.claim-section {
  background: var(--red-light); border-top: 1px solid #f0c5c5;
  border-bottom: 1px solid #f0c5c5;
}

/* ── FAQ ── */
.faq-list { display: flex; flex-direction: column; gap: 6px; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: .9rem 1rem; cursor: pointer; font-size: 13.5px; font-weight: 500;
  background: #fff; transition: .15s; gap: 8px;
}
.faq-q:hover { background: var(--bg2); }
.faq-q i { font-size: 15px; color: var(--text2); transition: .2s; flex-shrink: 0; }
.faq-a {
  display: none; padding: .75rem 1rem .9rem; font-size: 13px;
  color: var(--text2); line-height: 1.7; border-top: 1px solid var(--border); background: var(--bg2);
}
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-q i { transform: rotate(180deg); }

/* ── BLOG ── */
.blog-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.1rem; flex-wrap: wrap; gap: .75rem; }
.blog-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
.blog-card { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; transition: .2s; cursor: pointer; }
.blog-card:hover { border-color: var(--navy); box-shadow: 0 4px 16px rgba(27,62,106,.1); transform: translateY(-2px); }
.blog-thumb { height: 80px; display: flex; align-items: center; justify-content: center; font-size: 30px; background: var(--bg2); }
.blog-body { padding: .9rem; }
.blog-tag { display: inline-block; font-size: 10.5px; background: var(--navy-light); color: var(--navy); padding: 2px 9px; border-radius: 10px; margin-bottom: 6px; font-weight: 600; }
.blog-body h4 { font-size: 13px; font-weight: 600; margin-bottom: 4px; line-height: 1.4; }
.blog-body p { font-size: 12px; color: var(--text2); line-height: 1.5; margin-bottom: .5rem; }
.blog-meta { font-size: 11px; color: var(--text2); display: flex; gap: 5px; }

/* ── BLOG OVERLAY ── */
.overlay-page { display: none; position: fixed; inset: 0; background: #fff; z-index: 500; overflow-y: auto; }
.overlay-page.show { display: block; }
.overlay-header {
  background: var(--navy-dark); padding: .9rem 1.25rem; display: flex; align-items: center;
  gap: .75rem; position: sticky; top: 0; z-index: 10; flex-wrap: wrap;
}
.overlay-back {
  background: rgba(255,255,255,.1); color: #fff; border: 1px solid rgba(255,255,255,.2);
  border-radius: 7px; padding: 6px 12px; font-size: 13px; cursor: pointer;
  display: flex; align-items: center; gap: 5px; white-space: nowrap;
}
.overlay-back:hover { background: rgba(255,255,255,.2); }
.overlay-title { color: #fff; font-size: 14px; font-weight: 600; }
.overlay-body { max-width: 900px; margin: 0 auto; padding: 1.75rem 1.25rem; }
.blog-all-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
.filter-tabs { display: flex; gap: 6px; flex-wrap: wrap; margin-left: auto; }
.ftab {
  padding: 5px 12px; border-radius: 20px; font-size: 11.5px; font-weight: 600; cursor: pointer;
  border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.65); background: transparent; transition: .15s;
}
.ftab:hover { background: rgba(255,255,255,.1); color: #fff; }
.ftab.active { background: #fff; color: var(--navy); }
.reader-wrap h2 { font-size: 22px; font-weight: 700; line-height: 1.3; margin-bottom: .6rem; }
.reader-meta { font-size: 12px; color: var(--text2); margin-bottom: 1.75rem; padding-bottom: 1rem; border-bottom: 1px solid var(--border); }
.reader-content { font-size: 14.5px; line-height: 1.9; color: var(--text); }
.reader-cta { margin-top: 2.5rem; padding-top: 1.25rem; border-top: 1px solid var(--border); }

/* ── VACANCIES ── */
.vacancies { display: flex; flex-direction: column; gap: 10px; }
.vcard { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; overflow: hidden; }
.vcard-header { padding: 1rem 1.1rem; display: flex; justify-content: space-between; align-items: flex-start; cursor: pointer; transition: .15s; gap: .75rem; }
.vcard-header:hover { background: var(--bg2); }
.vcard-header h4 { font-size: 13.5px; font-weight: 600; margin-bottom: 3px; }
.vbadge { font-size: 10.5px; background: var(--navy-light); color: var(--navy); padding: 2px 9px; border-radius: 10px; font-weight: 600; white-space: nowrap; flex-shrink: 0; }
.vloc { font-size: 12px; color: var(--text2); }
.vcard-body { display: none; padding: 1.1rem; border-top: 1px solid var(--border); }
.vcard-body.open { display: block; }
.vcard-body p { font-size: 13px; color: var(--text2); line-height: 1.65; margin-bottom: .9rem; }
.apply-form { background: var(--bg2); border-radius: 8px; padding: 1rem; border: 1px solid var(--border); }
.apply-form h5 { font-size: 13px; font-weight: 600; margin-bottom: .85rem; }
.apply-row { display: grid; grid-template-columns: 1fr; gap: 9px; margin-bottom: 9px; }
.apply-row input { width: 100%; padding: 9px 11px; border: 1px solid var(--border); border-radius: 7px; font-size: 13.5px; font-family: var(--font); }
.apply-row input:focus { outline: none; border-color: var(--navy); }
.file-wrap { margin-bottom: 10px; }
.file-wrap span { display: block; font-size: 12px; color: var(--text2); margin-bottom: 4px; font-weight: 500; }
.file-input { width: 100%; padding: 8px 11px; border: 1px dashed var(--border); border-radius: 7px; font-size: 13px; cursor: pointer; background: #fff; }

/* ── FOOTER ── */
footer { background: var(--navy-dark); color: rgba(255,255,255,.85); padding: 2.25rem 1.25rem 1.25rem; }
.footer-top { display: flex; flex-direction: column; gap: 2rem; margin-bottom: 1.5rem; }
.footer-brand {}
.footer-logo img { height: 40px; filter: brightness(0) invert(1); opacity: .9; margin-bottom: .6rem; }
.footer-tagline { font-size: 12px; color: rgba(255,255,255,.45); }
.footer-address { font-size: 12px; color: rgba(255,255,255,.55); margin-top: .6rem; line-height: 1.75; }
.footer-address a { color: rgba(255,255,255,.6); }
.canadian-badge { display: inline-flex; align-items: center; gap: 5px; font-size: 11.5px; color: rgba(255,255,255,.65); margin-top: .6rem; background: rgba(255,255,255,.08); padding: 4px 11px; border-radius: 20px; border: 1px solid rgba(255,255,255,.12); }
.footer-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.footer-col h5 { font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.4); margin-bottom: .75rem; }
.footer-col a { display: block; font-size: 13px; color: rgba(255,255,255,.65); margin-bottom: .4rem; transition: .15s; cursor: pointer; }
.footer-col a:hover { color: #fff; }
.footer-hours { font-size: 12.5px; color: rgba(255,255,255,.6); line-height: 1.9; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); padding-top: 1.1rem;
  display: flex; flex-direction: column; gap: .6rem;
  font-size: 11.5px; color: rgba(255,255,255,.4);
}
.footer-legal-links { display: flex; gap: 1.1rem; }
.footer-legal-links a { color: rgba(255,255,255,.45); cursor: pointer; transition: .15s; font-size: 12px; }
.footer-legal-links a:hover { color: #fff; }

/* ── LEGAL OVERLAY ── */
.legal-page { display: none; position: fixed; inset: 0; background: #fff; z-index: 600; overflow-y: auto; }
.legal-page.show { display: block; }
.legal-page-hdr {
  background: var(--navy-dark); padding: 1rem 1.25rem; display: flex;
  align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 10;
}
.legal-back {
  background: rgba(255,255,255,.1); color: #fff; border: 1px solid rgba(255,255,255,.2);
  border-radius: 7px; padding: 6px 12px; font-size: 13px; cursor: pointer;
  display: flex; align-items: center; gap: 5px;
}
.legal-back:hover { background: rgba(255,255,255,.2); }
.legal-hdr-title { color: #fff; font-size: 14px; font-weight: 600; }
.legal-body { max-width: 760px; margin: 0 auto; padding: 2.5rem 1.25rem; }
.legal-body h1 { font-size: 22px; font-weight: 700; margin-bottom: .4rem; }
.legal-body .legal-date { font-size: 12.5px; color: var(--text2); margin-bottom: 2rem; padding-bottom: 1rem; border-bottom: 1px solid var(--border); }
.legal-body h2 { font-size: 15px; font-weight: 700; margin: 1.75rem 0 .5rem; }
.legal-body p { font-size: 14px; line-height: 1.8; color: var(--text2); margin-bottom: .9rem; }
.legal-body ul { margin: .5rem 0 .9rem 1.4rem; }
.legal-body ul li { font-size: 14px; line-height: 1.7; color: var(--text2); margin-bottom: .3rem; }
.legal-body a { color: var(--navy); text-decoration: underline; }

/* ── TOAST ── */
.toast {
  position: fixed; bottom: 1.25rem; left: 50%; transform: translateX(-50%);
  background: var(--navy); color: #fff; padding: .8rem 1.4rem;
  border-radius: 10px; font-size: 13.5px; display: none; z-index: 9999;
  box-shadow: 0 4px 20px rgba(0,0,0,.25); max-width: 90vw; text-align: center;
}
.toast.show { display: block; }

/* ════════════════════════════════════════════════
   TABLET — 600px+
═══════════════════════════════════════════════════ */
@media (min-width: 600px) {
  .hero-inner h1 { font-size: 32px; }
  .hero-inner p { font-size: 15.5px; }
  .product-cards { grid-template-columns: repeat(4, 1fr); }
  .form-grid { grid-template-columns: 1fr 1fr; }
  .form-grid .full { grid-column: 1 / -1; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-all-grid { grid-template-columns: repeat(2, 1fr); }
  .apply-row { grid-template-columns: 1fr 1fr; }
  .footer-top { flex-direction: row; flex-wrap: wrap; }
  .footer-cols { grid-template-columns: repeat(3, 1fr); }
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; }
  .toast { left: auto; right: 1.5rem; transform: none; }
}

/* ════════════════════════════════════════════════
   DESKTOP — 900px+
═══════════════════════════════════════════════════ */
@media (min-width: 900px) {
  nav { padding: .75rem 2.5rem; }
  .nav-links { display: flex; gap: .25rem; align-items: center; font-size: 13.5px; color: var(--text2); }
  .nav-links a { padding: 6px 12px; border-radius: 6px; transition: .15s; font-weight: 500; cursor: pointer; }
  .nav-links a:hover { color: var(--navy); background: var(--navy-light); }
  .hamburger { display: none; }
  .hero-inner { padding: 5rem 2rem 2.5rem; max-width: 700px; margin: 0 auto; }
  .hero-inner h1 { font-size: 40px; }
  .hero-stat-num { font-size: 24px; }
  .hero-stat-label { font-size: 12px; }
  .section { padding: 3rem 2.5rem; }
  .divider { margin: 0 2.5rem; }
  .carriers-header { padding: 0 2.5rem 1.25rem; }
  .why-grid { grid-template-columns: repeat(3, 1fr); }
  .blog-grid { grid-template-columns: repeat(3, 1fr); }
  .blog-all-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-top { flex-wrap: nowrap; }
  .footer-brand { min-width: 200px; }
  .footer-cols { flex: 1; }
  .legal-body { padding: 3rem 2rem; }
  .overlay-body { padding: 2.5rem 2rem; }
}