/* ============================================================
   AutoInsuranceNKY — Styles
   Aesthetic: Editorial/financial authority — deep navy, warm cream,
   copper accent. Playfair Display headlines, Source Sans 3 body.
   ============================================================ */

:root {
  --navy:       #0D1B2A;
  --navy-mid:   #1A2E42;
  --navy-light: #234560;
  --copper:     #B5652A;
  --copper-lt:  #D4874D;
  --cream:      #F5F0E8;
  --cream-dark: #EDE5D5;
  --white:      #FFFFFF;
  --gray-100:   #F8F7F5;
  --gray-200:   #EEEBE5;
  --gray-400:   #9B9488;
  --gray-600:   #5E5A52;
  --gray-800:   #2E2B25;
  --ky-blue:    #003DA5;
  --oh-red:     #BB0000;
  --green:      #2A6B3C;
  --green-lt:   #EBF4EE;
  --amber:      #8B5E00;
  --amber-lt:   #FDF4E3;
  --blue-lt:    #E8F0FA;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Source Sans 3', 'Helvetica Neue', sans-serif;

  --radius-sm: 4px;
  --radius:    8px;
  --radius-lg: 16px;

  --shadow-sm:  0 1px 3px rgba(13,27,42,0.08);
  --shadow:     0 4px 16px rgba(13,27,42,0.12);
  --shadow-lg:  0 12px 40px rgba(13,27,42,0.18);

  --transition: 0.22s cubic-bezier(0.4, 0, 0.2, 1);
}

/* RESET */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--navy-light); text-decoration: underline; }
a:hover { color: var(--copper); }
address { font-style: normal; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* CONTAINER */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 3px solid var(--copper);
  box-shadow: var(--shadow);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 68px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-text {
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--cream);
  letter-spacing: -0.01em;
}
.logo-text strong {
  color: var(--copper-lt);
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.main-nav a {
  color: var(--cream);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}
.main-nav a:hover {
  background: var(--navy-mid);
  color: var(--copper-lt);
}
.nav-cta {
  margin-left: auto;
  flex-shrink: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn-primary {
  display: inline-block;
  background: var(--copper);
  color: var(--white) !important;
  text-decoration: none !important;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 10px 22px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  letter-spacing: 0.01em;
  line-height: 1.3;
}
.btn-primary:hover {
  background: var(--copper-lt);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(181,101,42,0.35);
}
.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--cream) !important;
  text-decoration: none !important;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 10px 22px;
  border-radius: var(--radius-sm);
  border: 2px solid rgba(245,240,232,0.5);
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.01em;
  line-height: 1.3;
}
.btn-outline:hover {
  border-color: var(--cream);
  background: rgba(245,240,232,0.08);
}
.btn-lg {
  font-size: 1rem;
  padding: 14px 28px;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(13,27,42,0.92) 0%,
    rgba(13,27,42,0.80) 50%,
    rgba(13,27,42,0.55) 100%
  );
}
.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 64px;
  padding-bottom: 64px;
  max-width: 760px;
}
.hero-badge {
  display: inline-block;
  background: var(--copper);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 2px;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}
.hero h1 .accent {
  color: var(--copper-lt);
}
.hero-sub {
  font-size: 1.1rem;
  color: rgba(245,240,232,0.88);
  max-width: 580px;
  margin-bottom: 32px;
  line-height: 1.6;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 40px;
}
.hero-stats {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.hero-stats .stat {
  color: var(--cream);
  font-size: 0.9rem;
  font-weight: 500;
}
.hero-stats .stat strong {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--copper-lt);
  display: block;
  line-height: 1;
}
.stat-divider {
  width: 1px;
  height: 36px;
  background: rgba(245,240,232,0.25);
}

/* ============================================================
   ALERT BANNER
   ============================================================ */
.alert-banner {
  background: var(--amber-lt);
  border-top: 3px solid var(--amber);
  border-bottom: 1px solid rgba(139,94,0,0.2);
  padding: 14px 0;
  font-size: 0.92rem;
  color: var(--amber);
  text-align: center;
  line-height: 1.5;
}

/* ============================================================
   SECTION SHARED
   ============================================================ */
.section-header {
  text-align: center;
  margin-bottom: 48px;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 10px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}
.section-header p {
  color: var(--gray-600);
  font-size: 1.02rem;
  line-height: 1.65;
}

/* ============================================================
   COUNTY DIRECTORY
   ============================================================ */
.section-counties {
  padding: 80px 0;
  background: var(--white);
}
.county-tabs {
  display: flex;
  gap: 4px;
  border-bottom: 2px solid var(--gray-200);
  margin-bottom: 40px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.county-tabs::-webkit-scrollbar { display: none; }
.tab-btn {
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  padding: 12px 20px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-400);
  cursor: pointer;
  white-space: nowrap;
  transition: color var(--transition), border-color var(--transition);
}
.tab-btn:hover {
  color: var(--navy);
}
.tab-btn.active {
  color: var(--navy);
  border-bottom-color: var(--copper);
}
.tab-panel {
  display: none;
}
.tab-panel.active {
  display: block;
  animation: fadeInUp 0.3s ease;
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.county-intro {
  margin-bottom: 32px;
  padding: 24px 28px;
  background: var(--gray-100);
  border-left: 4px solid var(--copper);
  border-radius: 0 var(--radius) var(--radius) 0;
}
.county-intro h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.county-intro p {
  color: var(--gray-600);
  font-size: 0.97rem;
  margin-bottom: 12px;
}
.county-deep-link {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--copper);
  text-decoration: none;
}
.county-deep-link:hover { text-decoration: underline; }

.agent-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}
.agent-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.agent-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.agent-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.agent-type-badge {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: var(--green-lt);
  color: var(--green);
  padding: 3px 9px;
  border-radius: 2px;
}
.agent-states {
  display: flex;
  gap: 5px;
}
.state-badge {
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  padding: 2px 7px;
  border-radius: 2px;
}
.state-badge.ky {
  background: var(--ky-blue);
  color: var(--white);
}
.state-badge.oh {
  background: var(--oh-red);
  color: var(--white);
}
.agent-card h4 {
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.3;
}
.agent-card address {
  font-size: 0.88rem;
  color: var(--gray-600);
  margin-bottom: 12px;
}
.agent-meta {
  display: flex;
  flex-direction: column;
  gap: 5px;
  margin-bottom: 12px;
}
.meta-item {
  font-size: 0.86rem;
  color: var(--gray-600);
}
.meta-item a {
  color: var(--navy-light);
  font-weight: 600;
  text-decoration: none;
}
.meta-item a:hover { color: var(--copper); }
.agent-carriers {
  font-size: 0.8rem;
  color: var(--gray-400);
  padding: 8px 10px;
  background: var(--gray-100);
  border-radius: var(--radius-sm);
  margin-bottom: 10px;
}
.agent-notes {
  font-size: 0.85rem;
  color: var(--gray-600);
  line-height: 1.55;
  padding-top: 10px;
  border-top: 1px solid var(--gray-200);
}

/* ============================================================
   TWO-STATE GUIDE
   ============================================================ */
.section-twostate {
  padding: 80px 0;
  background: var(--navy);
}
.section-twostate .section-label {
  color: var(--copper-lt);
}
.section-twostate .section-header h2 {
  color: var(--white);
}
.section-twostate .section-header p {
  color: rgba(245,240,232,0.75);
}
.comparison-table-wrap {
  overflow-x: auto;
  margin-bottom: 40px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-size: 0.92rem;
}
.comparison-table thead {
  background: var(--navy-mid);
}
.comparison-table thead th {
  padding: 16px 20px;
  text-align: left;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.02em;
  color: var(--cream);
}
.comparison-table thead th.ky-col { color: #5B9FE8; }
.comparison-table thead th.oh-col { color: #F08080; }
.comparison-table tbody tr {
  border-bottom: 1px solid var(--gray-200);
  transition: background var(--transition);
}
.comparison-table tbody tr:last-child { border-bottom: none; }
.comparison-table tbody tr:hover { background: var(--gray-100); }
.comparison-table td {
  padding: 13px 20px;
  color: var(--gray-800);
  vertical-align: top;
}
.comparison-table td.ky-col {
  border-left: 3px solid var(--ky-blue);
  background: rgba(0,61,165,0.03);
}
.comparison-table td.oh-col {
  border-left: 3px solid var(--oh-red);
  background: rgba(187,0,0,0.03);
}

.twostate-callouts {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
.callout {
  padding: 22px 24px;
  border-radius: var(--radius);
}
.callout h4 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.callout p {
  font-size: 0.9rem;
  line-height: 1.6;
}
.callout-warning {
  background: #2D1A00;
  border-left: 4px solid var(--copper-lt);
  color: rgba(245,240,232,0.9);
}
.callout-warning h4 { color: var(--copper-lt); }
.callout-info {
  background: #0A2340;
  border-left: 4px solid #5B9FE8;
  color: rgba(245,240,232,0.9);
}
.callout-info h4 { color: #5B9FE8; }
.callout-neutral {
  background: #1A2E42;
  border-left: 4px solid var(--gray-400);
  color: rgba(245,240,232,0.9);
}
.callout-neutral h4 { color: var(--cream); }
.callout a {
  color: var(--copper-lt);
}

/* ============================================================
   CALCULATOR
   ============================================================ */
.section-calculator {
  padding: 80px 0;
  background: var(--cream);
}
.calculator-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
}
.calc-form {
  padding: 36px 40px;
  border-right: 1px solid var(--gray-200);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--gray-600);
}
.form-group select {
  padding: 10px 12px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--gray-800);
  background: var(--white);
  cursor: pointer;
  transition: border-color var(--transition);
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235E5A52' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 32px;
}
.form-group select:focus {
  outline: none;
  border-color: var(--copper);
  box-shadow: 0 0 0 3px rgba(181,101,42,0.12);
}
.btn-calc {
  width: 100%;
  margin-top: 8px;
  padding: 14px;
  font-size: 1rem;
}
.calc-result {
  padding: 36px 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-100);
  min-height: 280px;
}
.result-placeholder {
  text-align: center;
  color: var(--gray-400);
}
.result-icon {
  font-size: 2.5rem;
  margin-bottom: 12px;
}
.result-placeholder p {
  font-size: 0.92rem;
  line-height: 1.5;
}
.result-display {
  text-align: center;
  animation: fadeInUp 0.4s ease;
}
.result-range {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 900;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 6px;
}
.result-label {
  font-size: 0.85rem;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}
.result-breakdown {
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px;
  text-align: left;
  border: 1px solid var(--gray-200);
}
.result-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.86rem;
  padding: 5px 0;
  border-bottom: 1px solid var(--gray-200);
  color: var(--gray-600);
}
.result-breakdown-row:last-child { border-bottom: none; }
.result-breakdown-row strong { color: var(--navy); }
.result-note {
  font-size: 0.8rem;
  color: var(--gray-400);
  margin-top: 14px;
  line-height: 1.5;
}
.calc-disclaimer {
  margin-top: 20px;
  font-size: 0.82rem;
  color: var(--gray-400);
  text-align: center;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

/* ============================================================
   HIGH RISK
   ============================================================ */
.section-highrisk {
  padding: 80px 0;
  background: var(--white);
}
.highrisk-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.highrisk-card {
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 28px 24px;
  border-top: 4px solid var(--copper);
}
.highrisk-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.highrisk-card ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.highrisk-card li {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.5;
  padding-left: 16px;
  position: relative;
}
.highrisk-card li::before {
  content: '›';
  position: absolute;
  left: 0;
  color: var(--copper);
  font-weight: 700;
}
.highrisk-card a {
  color: var(--navy-light);
  font-weight: 600;
}

/* ============================================================
   CHECKLIST
   ============================================================ */
.section-checklist {
  padding: 80px 0;
  background: var(--navy);
}
.checklist-wrapper {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 60px;
  align-items: center;
}
.checklist-content .section-label {
  color: var(--copper-lt);
}
.checklist-content h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 14px;
  line-height: 1.2;
  letter-spacing: -0.02em;
}
.checklist-content > p {
  color: rgba(245,240,232,0.75);
  font-size: 0.97rem;
  margin-bottom: 24px;
  line-height: 1.65;
}
.checklist-items {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.checklist-items li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: rgba(245,240,232,0.85);
  line-height: 1.5;
  padding: 10px 14px;
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--copper);
}
.checklist-items li::before {
  content: '✓';
  color: var(--copper-lt);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.download-card {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.download-icon {
  font-size: 3rem;
  margin-bottom: 14px;
}
.download-card h3 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.download-card p {
  font-size: 0.88rem;
  color: var(--gray-600);
  margin-bottom: 20px;
  line-height: 1.5;
}
.download-meta {
  display: block;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-top: 10px;
}

/* ============================================================
   FAQ
   ============================================================ */
.section-faq {
  padding: 80px 0;
  background: var(--cream);
}
.faq-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 24px;
}
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px 26px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}
.faq-item h3 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.35;
}
.faq-item p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.65;
}
.faq-item a {
  color: var(--copper);
  font-weight: 600;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--gray-800);
  color: rgba(245,240,232,0.8);
  padding: 60px 0 0;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 60px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo-text {
  font-size: 1.1rem;
  margin-bottom: 12px;
  display: block;
}
.footer-brand p {
  font-size: 0.86rem;
  line-height: 1.65;
  color: rgba(245,240,232,0.55);
  max-width: 300px;
}
.footer-links {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.footer-col {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer-col h5 {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--copper-lt);
  margin-bottom: 4px;
}
.footer-col a {
  font-size: 0.88rem;
  color: rgba(245,240,232,0.65);
  text-decoration: none;
  transition: color var(--transition);
}
.footer-col a:hover {
  color: var(--cream);
}
.footer-bottom {
  background: rgba(0,0,0,0.2);
  padding: 16px 0;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(245,240,232,0.4);
  text-align: center;
  line-height: 1.5;
}
.footer-bottom a {
  color: rgba(245,240,232,0.55);
}

/* ============================================================
   PRINT STYLES (for checklist)
   ============================================================ */
@media print {
  .site-header, .hero, .alert-banner, .section-counties,
  .section-twostate, .section-calculator, .section-highrisk,
  .section-faq, .site-footer, nav, .download-card { display: none !important; }
  .section-checklist { display: block !important; background: white; padding: 20px; }
  .checklist-wrapper { grid-template-columns: 1fr; gap: 20px; }
  .checklist-content h2 { color: #0D1B2A; font-size: 1.4rem; }
  .checklist-content p { color: #444; }
  .checklist-items li { color: #222; background: none; border-left: 2px solid #B5652A; }
  .checklist-items li::before { color: #B5652A; }
  .section-label { color: #B5652A; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .calculator-card {
    grid-template-columns: 1fr;
  }
  .calc-form {
    border-right: none;
    border-bottom: 1px solid var(--gray-200);
    padding: 28px 24px;
  }
  .calc-result {
    padding: 28px 24px;
    min-height: 200px;
  }
  .checklist-wrapper {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .footer-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .footer-links {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 720px) {
  .header-inner {
    gap: 16px;
  }
  .main-nav {
    display: none;
  }
  .hero-content {
    padding-top: 48px;
    padding-bottom: 48px;
  }
  .hero-actions {
    flex-direction: column;
    gap: 10px;
  }
  .btn-lg {
    text-align: center;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .faq-grid {
    grid-template-columns: 1fr;
  }
  .footer-links {
    grid-template-columns: 1fr;
  }
  .twostate-callouts {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .section-counties,
  .section-twostate,
  .section-calculator,
  .section-highrisk,
  .section-checklist,
  .section-faq { padding: 56px 0; }
  .agent-grid {
    grid-template-columns: 1fr;
  }
  .highrisk-grid {
    grid-template-columns: 1fr;
  }
  .county-tabs {
    gap: 0;
  }
  .tab-btn {
    padding: 10px 14px;
    font-size: 0.82rem;
  }
}