/* ==========================================================================
   Bill Layne Insurance — Lower-Page Polish
   Strict 3-Tone Palette:
     - Deep Signature Navy: #062334 (hover #16465b)
     - Warm Editorial Cream: #faf6ec (warm border #ebe5d8 / #e5decb / #e2ddd0)
     - Crisp White: #ffffff
     - Warm Gold Accent: #ffcc33 / #facc15->#f59e0b (CTA) & #8c6000 (eyebrows/icons)
   Navbar, Mobile/Desktop Heroes, Carrier Strips, Español Banner, Verified Trust,
   #services Coverage Cards, and #policy-review Navy Panel remain 100% untouched.
   ========================================================================== */

/* 1. #policy-review: keep #faf6ec warm cream + breathing room above #service-area */
section#policy-review.hb-policy {
    background: #faf6ec;
    padding-top: 0;
    padding-bottom: 44px;
}

/* 2. #service-area ("Real NC agents. Statewide service."): Crisp White + unified warm team card */
section#service-area.hb-agency {
    background: #ffffff;
    border-top: 1px solid #ebe5d8;
    padding-block: 56px;
}

section#service-area .hb-team-card::before {
    background: #faf6ec;
    border: 1px solid #e5decb;
    border-radius: 16px;
    box-shadow: 0 10px 28px rgba(6, 35, 52, 0.06);
}

section#service-area .hb-team-card .hb-contact-card {
    background: transparent;
    border: 0;
    box-shadow: none;
}

section#service-area .hb-team-card .hb-sms-link {
    background: #ffffff;
    border: 1px solid #dfd8c5;
    color: #062334;
}

section#service-area .hb-team-card .hb-sms-link:hover {
    background: #f5eedc;
    border-color: #cfc5ad;
}

section#service-area .hb-service-areas {
    border-top: 1px solid #ebe5d8;
}

section#service-area .hb-service-areas summary > span:last-child {
    color: #8c6000;
}

section#service-area .hb-service-areas .hp-town-links a {
    background: #faf6ec;
    border: 1px solid #e5decb;
    color: #062334;
    transition: background-color 0.18s ease, border-color 0.18s ease;
}

section#service-area .hb-service-areas .hp-town-links a:hover {
    background: #f5eedc;
    border-color: #d6ccb4;
}

/* 3. #customer-reviews: Deep Signature Navy #062334, 1200px container, 16px cards */
section#customer-reviews.hb-reviews {
    background: #062334 !important;
    padding-block: 48px !important;
    scroll-margin-top: 90px;
}

section#customer-reviews.hb-reviews > div {
    max-width: 1200px;
}

section#customer-reviews.hb-reviews .grid > div {
    border-radius: 16px;
}

/* 4. #tools ("Would your liability limits be enough?"): Warm Cream #faf6ec + crisp white controls + 3-card NC tools strip */
section#tools.hb-tools {
    background: #faf6ec;
    border-bottom: 1px solid #ebe5d8;
    padding: 48px 20px;
    scroll-margin-top: 90px;
}

section#tools.hb-tools .ace-heading .hp-eyebrow {
    color: #8c6000;
    font-size: 11px;
    letter-spacing: 0.16em;
    font-weight: 750;
    text-transform: uppercase;
    margin-bottom: 10px;
}

section#tools.hb-tools .ace-heading > p:last-child {
    color: #465d6c;
}

section#tools.hb-tools .ace-expand > summary {
    max-width: none;
    width: 100%;
    margin: 0;
    padding: 16px 20px;
    background: #ffffff;
    color: #062334;
    border: 1px solid #e2ddd0;
    border-radius: 14px;
    box-shadow: 0 4px 14px rgba(6, 35, 52, 0.04);
    transition: border-color 0.18s ease, box-shadow 0.18s ease, background-color 0.18s ease;
}

section#tools.hb-tools .ace-expand[open] > summary {
    margin-bottom: 20px;
    border-color: #cfc7b4;
}

section#tools.hb-tools .ace-expand > summary:hover {
    border-color: #cfc7b4;
    box-shadow: 0 6px 18px rgba(6, 35, 52, 0.07);
}

/* Prevent base .ace-expand > summary span rule from rotating or resizing inner text spans */
section#tools.hb-tools .ace-expand > summary span:not(.ace-summary-plus) {
    font-size: inherit;
    transform: none !important;
}

section#tools.hb-tools .ace-summary-lead {
    display: flex;
    align-items: center;
    gap: 14px;
    min-width: 0;
}

section#tools.hb-tools .ace-summary-badge {
    width: 42px;
    height: 42px;
    min-width: 42px;
    border-radius: 12px;
    background: #fef4d1;
    color: #7a5200;
    display: grid;
    place-items: center;
    flex-shrink: 0;
}

section#tools.hb-tools .ace-summary-badge svg {
    width: 22px;
    height: 22px;
}

section#tools.hb-tools .ace-summary-copy {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
    text-align: left;
}

section#tools.hb-tools .ace-summary-copy strong {
    font-family: Outfit, Inter, sans-serif;
    font-size: 18px;
    font-weight: 750;
    line-height: 1.25;
    color: #062334;
}

section#tools.hb-tools .ace-summary-copy small {
    font-size: 14px;
    font-weight: 500;
    line-height: 1.4;
    color: #465d6c;
}

section#tools.hb-tools .ace-expand > summary .ace-summary-plus {
    width: 36px;
    height: 36px;
    min-width: 36px;
    border-radius: 50%;
    background: #fef4d1;
    border: 1px solid #f0da96;
    color: #8c6000;
    display: grid;
    place-items: center;
    font-size: 22px;
    font-weight: 700;
    line-height: 1;
    flex-shrink: 0;
    transition: transform 0.2s ease, background-color 0.2s ease;
}

section#tools.hb-tools .ace-expand[open] > summary .ace-summary-plus {
    transform: rotate(45deg) !important;
    background: #fdeba8;
}

section#tools.hb-tools .ace-layout {
    border: 1px solid #e2ddd0;
    border-radius: 16px;
    box-shadow: 0 8px 24px rgba(6, 35, 52, 0.05);
}

section#tools.hb-tools .ace-sample {
    color: #062334;
    background: #faf6ec;
    border: 1px solid #dfd8c5;
}

section#tools.hb-tools .ace-sample:hover {
    background: #f5eedc;
}

section#tools.hb-tools .ace-fields select {
    border-color: #d6cfc0;
    color: #062334;
}

section#tools.hb-tools .ace-help {
    color: #062334;
}

section#tools.hb-tools .ace-help summary {
    color: #8c6000;
}

section#tools.hb-tools .ace-calculate {
    background: #062334;
    color: #ffffff;
    border-radius: 10px;
    transition: background-color 0.18s ease;
}

section#tools.hb-tools .ace-calculate:hover {
    background: #16465b;
}

/* Structured 3-card More Free NC Tools strip */
section#tools.hb-tools .hb-toolbox-more {
    margin-top: 22px;
}

section#tools.hb-tools .hb-toolbox-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 12px;
    flex-wrap: wrap;
}

section#tools.hb-tools .hb-toolbox-bar .hb-specialty-label {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #8c6000;
}

section#tools.hb-tools .hb-toolbox-all {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    min-height: 36px;
    font-size: 14px;
    font-weight: 750;
    color: #062334;
    text-decoration: underline;
    text-decoration-color: #ffcc33;
    text-decoration-thickness: 2px;
    text-underline-offset: 4px;
    transition: color 0.18s ease, text-decoration-color 0.18s ease;
}

section#tools.hb-tools .hb-toolbox-all:hover {
    color: #8c6000;
    text-decoration-color: #8c6000;
}

section#tools.hb-tools .hb-toolbox-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
}

section#tools.hb-tools .hb-toolbox-card {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 16px 18px;
    background: #ffffff;
    border: 1px solid #e2ddd0;
    border-radius: 14px;
    color: #062334;
    text-decoration: none;
    box-shadow: 0 4px 14px rgba(6, 35, 52, 0.04);
    min-width: 0;
    transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

section#tools.hb-tools .hb-toolbox-card:hover {
    border-color: #cfc7b4;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(6, 35, 52, 0.08);
}

section#tools.hb-tools .hb-toolbox-icon {
    width: 40px;
    height: 40px;
    min-width: 40px;
    border-radius: 11px;
    background: #fef4d1;
    color: #7a5200;
    display: grid;
    place-items: center;
    flex-shrink: 0;
}

section#tools.hb-tools .hb-toolbox-icon svg {
    width: 20px;
    height: 20px;
}

section#tools.hb-tools .hb-toolbox-copy {
    display: flex;
    flex-direction: column;
    gap: 3px;
    min-width: 0;
    flex: 1;
}

section#tools.hb-tools .hb-toolbox-copy strong {
    font-family: Outfit, Inter, sans-serif;
    font-size: 16px;
    font-weight: 750;
    line-height: 1.3;
    color: #062334;
}

section#tools.hb-tools .hb-toolbox-copy small {
    font-size: 13.5px;
    font-weight: 450;
    line-height: 1.4;
    color: #465d6c;
}

section#tools.hb-tools .hb-toolbox-arrow {
    margin-left: auto;
    color: #8c6000;
    font-size: 18px;
    font-weight: 800;
    flex-shrink: 0;
}

@media (max-width: 960px) {
    section#tools.hb-tools .hb-toolbox-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
}

/* 5. #homepage-guides ("Helpful answers, without the guesswork."): Crisp White + Warm Cream cards */
section#homepage-guides.hb-guides {
    background: #ffffff;
    padding-block: 48px;
    border-bottom: 1px solid #ebe5d8;
}

section#homepage-guides.hb-guides .hb-heading h2 {
    margin-bottom: 0;
}

section#homepage-guides.hb-guides .hb-guide-grid > a {
    background: #faf6ec;
    border: 1px solid #e5decb;
    border-radius: 16px;
    box-shadow: 0 4px 14px rgba(6, 35, 52, 0.04);
    transition: background-color 0.2s ease, border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

section#homepage-guides.hb-guides .hb-guide-grid > a:hover {
    background: #f5eedc;
    border-color: #d8ceba;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(6, 35, 52, 0.07);
}

section#homepage-guides.hb-guides .hb-guide-grid > a > span:last-child {
    color: #8c6000;
    font-weight: 800;
}

section#homepage-guides.hb-guides .hb-more-guides {
    border-top: 1px solid #ebe5d8;
    margin-top: 20px;
    padding-top: 4px;
}

section#homepage-guides.hb-guides .hb-more-guides summary > span:last-child {
    color: #8c6000;
}

/* 6. #questions ("Your insurance questions, answered"): Warm Cream + 920px crisp white FAQ card */
section#questions.hp-faq {
    background: #faf6ec;
    padding: 52px 20px;
    border-bottom: 1px solid #ebe5d8;
}

section#questions.hp-faq .hp-container.hp-narrow {
    max-width: 920px;
}

section#questions.hp-faq .hp-eyebrow {
    color: #8c6000;
    font-size: 11px;
    letter-spacing: 0.16em;
    font-weight: 750;
    text-transform: uppercase;
    margin-bottom: 10px;
}

section#questions.hp-faq h2 {
    color: #062334;
    font-family: Outfit, Inter, sans-serif;
    font-size: clamp(28px, 3vw, 38px);
    line-height: 1.12;
    font-weight: 800;
    letter-spacing: -0.025em;
}

section#questions.hp-faq .hp-heading > p:last-child {
    color: #465d6c;
    margin-top: 8px;
}

section#questions.hp-faq #faq-list {
    background: #ffffff;
    border: 1px solid #e2ddd0;
    border-radius: 16px;
    padding: 6px 28px;
    box-shadow: 0 6px 22px rgba(6, 35, 52, 0.05);
}

section#questions.hp-faq #faq-list details {
    border-radius: 0;
    border-bottom: 1px solid #ebe5d8;
}

section#questions.hp-faq #faq-list details:last-child {
    border-bottom: 0;
}

section#questions.hp-faq #faq-list summary {
    color: #062334;
}

section#questions.hp-faq #faq-list summary::after {
    color: #8c6000;
    font-weight: 700;
}

section#questions.hp-faq #faq-list details p {
    color: #465d6c;
}

section#questions.hp-faq #faq-list details p a {
    color: #062334;
    font-weight: 700;
    text-decoration: underline;
    text-decoration-color: #d4a017;
    text-underline-offset: 3px;
}

section#questions.hp-faq #faq-list details p a:hover {
    color: #8c6000;
}

section#questions.hp-faq .hp-section-footer a {
    color: #062334;
    font-weight: 750;
    text-decoration: underline;
    text-decoration-color: #ffcc33;
    text-decoration-thickness: 2px;
    text-underline-offset: 4px;
    transition: color 0.18s ease, text-decoration-color 0.18s ease;
}

section#questions.hp-faq .hp-section-footer a:hover {
    color: #8c6000;
    text-decoration-color: #8c6000;
}

/* 7. .hb-blog ("Latest from Our Blog"): Crisp White, 1200px container, object-cover on #062334 */
section.hb-blog {
    background: #ffffff !important;
    padding-block: 52px !important;
    border-top: 0 !important;
    scroll-margin-top: 90px;
}

section.hb-blog > div,
section.hb-blog #blog-preview-grid {
    max-width: 1200px !important;
}

section.hb-blog .hp-eyebrow {
    display: block;
    color: #8c6000;
    font-size: 11px;
    letter-spacing: 0.16em;
    font-weight: 750;
    text-transform: uppercase;
    margin-bottom: 10px;
}

section.hb-blog h2 {
    color: #062334 !important;
    font-family: Outfit, Inter, sans-serif !important;
    font-size: clamp(28px, 3vw, 38px) !important;
    line-height: 1.12 !important;
    font-weight: 800 !important;
    letter-spacing: -0.025em !important;
}

section.hb-blog > div > div:first-child > p:last-child {
    color: #465d6c;
}

section.hb-blog #blog-preview-grid > a {
    background: #ffffff;
    border: 1px solid #dde5e8;
    border-radius: 16px;
    box-shadow: 0 4px 14px rgba(6, 35, 52, 0.05);
}

section.hb-blog #blog-preview-grid > a:hover {
    border-color: #bfd0d6;
    box-shadow: 0 10px 24px rgba(6, 35, 52, 0.09);
}

section.hb-blog #blog-preview-grid .aspect-video {
    background: #062334 !important;
}

section.hb-blog #blog-preview-grid .aspect-video img {
    object-fit: cover !important;
}

section.hb-blog #blog-preview-grid h3 {
    color: #062334;
    font-family: Outfit, Inter, sans-serif;
}

section.hb-blog #blog-preview-grid > a:hover h3 {
    color: #16465b !important;
}

section.hb-blog #blog-view-all {
    color: #062334 !important;
    font-weight: 800;
    border-bottom: 2px solid #ffcc33 !important;
    padding-bottom: 4px;
}

section.hb-blog #blog-view-all:hover {
    color: #16465b !important;
    border-bottom-color: #8c6000 !important;
}

/* 8. .hp-newsletter ("NC Insurance Insider"): Warm Cream + 1200px white horizontal card + Navy CTA */
section.hp-newsletter {
    background: #faf6ec;
    border-top: 1px solid #ebe5d8;
    padding: 44px 20px 20px;
}

section.hp-newsletter .hp-container.hp-newsletter-layout {
    max-width: 1200px;
    background: #ffffff;
    border: 1px solid #e2ddd0;
    border-radius: 16px;
    padding: 28px 32px;
    box-shadow: 0 4px 16px rgba(6, 35, 52, 0.04);
}

section.hp-newsletter .hp-eyebrow {
    color: #8c6000;
    font-size: 11px;
    letter-spacing: 0.16em;
    font-weight: 750;
    text-transform: uppercase;
    margin-bottom: 8px;
}

section.hp-newsletter h2 {
    color: #062334;
    font-family: Outfit, Inter, sans-serif;
    font-size: clamp(24px, 2.5vw, 32px);
    line-height: 1.15;
    font-weight: 800;
}

section.hp-newsletter .hp-newsletter-layout p:not(.hp-eyebrow) {
    color: #465d6c;
}

section.hp-newsletter #nl-email {
    background: #faf8f3;
    border: 1.5px solid #dfd8c5;
    border-radius: 10px;
    color: #062334;
}

section.hp-newsletter #nl-email:focus {
    background: #ffffff;
    border-color: #062334;
    outline: none;
}

section.hp-newsletter #newsletter-form button[type="submit"] {
    background: #062334 !important;
    background-image: none !important;
    color: #ffffff !important;
    border-radius: 10px !important;
    box-shadow: 0 4px 12px rgba(6, 35, 52, 0.14);
    transition: background-color 0.18s ease, box-shadow 0.18s ease;
}

section.hp-newsletter #newsletter-form button[type="submit"]:hover {
    background: #16465b !important;
}

section.hp-newsletter .hp-fine {
    margin-top: 6px;
    text-align: left;
    margin-inline: 0;
    color: #526778;
}

/* 9. #contact ("Questions? Need to Send Documents?"): Warm Cream + 920px card + Gold callout + Navy CTA */
section#contact {
    background: #faf6ec;
    padding: 24px 20px 56px !important;
    scroll-margin-top: 90px;
}

section#contact > div {
    max-width: 920px;
    width: 100%;
    margin-inline: auto;
    padding-inline: 0;
}

section#contact .hp-eyebrow {
    color: #8c6000;
    font-size: 11px;
    letter-spacing: 0.16em;
    font-weight: 750;
    text-transform: uppercase;
    margin-bottom: 10px;
}

section#contact h2 {
    color: #062334;
    font-family: Outfit, Inter, sans-serif;
    font-size: clamp(28px, 3vw, 36px) !important;
    line-height: 1.12;
    font-weight: 800;
    letter-spacing: -0.025em;
}

section#contact > div > div:first-child > p:last-child {
    color: #465d6c;
}

section#contact .hb-contact-shell {
    background: #ffffff;
    border: 1px solid #e2ddd0;
    border-radius: 16px;
    padding: 28px 32px;
    box-shadow: 0 8px 26px rgba(6, 35, 52, 0.06);
}

section#contact .hb-client-hub-callout {
    background: #fef9e7;
    border: 1px solid #f0da96;
    border-radius: 12px;
    color: #062334;
    transition: background-color 0.18s ease, border-color 0.18s ease;
}

section#contact .hb-client-hub-callout:hover {
    background: #fdf3cf;
    border-color: #e4c66d;
}

section#contact .hb-client-hub-callout span {
    color: #062334;
}

section#contact .hb-client-hub-callout i {
    color: #8c6000;
}

section#contact #contact-form-drawer summary {
    color: #062334;
    font-weight: 750;
}

section#contact #contact-form-drawer summary > span:last-child {
    color: #8c6000;
}

section#contact #contactForm label {
    color: #465d6c;
}

section#contact #contactForm input,
section#contact #contactForm textarea {
    border-color: #dfd8c5;
    background: #ffffff;
    color: #062334;
}

section#contact #contactForm input:focus,
section#contact #contactForm textarea:focus {
    border-color: #062334;
    box-shadow: 0 0 0 2px rgba(6, 35, 52, 0.14);
    outline: none;
}

section#contact #contactSubmitBtn {
    background: #062334 !important;
    color: #ffffff !important;
    border-radius: 10px !important;
    min-height: 48px;
    font-size: 15px;
    transition: background-color 0.18s ease, box-shadow 0.18s ease;
}

section#contact #contactSubmitBtn:hover {
    background: #16465b !important;
}

/* 10. Footer Compare My Options mini-CTA: unified Gold primary quote action */
footer a[data-source="footer"].cta-gold {
    color: #07172d !important;
    font-weight: 800 !important;
}

/* Mobile responsive refinements (<700px) */
@media (max-width: 699px) {
    section#policy-review.hb-policy {
        padding-bottom: 28px;
    }
    section#service-area.hb-agency {
        padding-block: 36px;
    }
    section#customer-reviews.hb-reviews {
        padding-block: 32px !important;
    }
    section#tools.hb-tools {
        padding: 32px 16px;
    }
    section#tools.hb-tools .ace-expand > summary {
        padding: 14px 16px;
    }
    section#tools.hb-tools .ace-summary-copy strong {
        font-size: 16.5px;
    }
    section#tools.hb-tools .ace-summary-copy small {
        font-size: 13px;
    }
    section#tools.hb-tools .hb-toolbox-bar {
        gap: 4px 10px;
        margin-bottom: 10px;
    }
    section#tools.hb-tools .hb-toolbox-bar .hb-specialty-label {
        font-size: 10.5px;
        letter-spacing: 0.07em;
    }
    section#tools.hb-tools .hb-toolbox-all {
        min-height: 36px;
        font-size: 13px;
        white-space: nowrap;
    }
    section#tools.hb-tools .hb-toolbox-card {
        padding: 14px 16px;
    }
    section#homepage-guides.hb-guides {
        padding-block: 32px;
    }
    section#questions.hp-faq {
        padding: 36px 16px;
    }
    section#questions.hp-faq #faq-list {
        padding: 4px 18px;
    }
    section.hb-blog {
        padding-block: 36px !important;
    }
    section.hp-newsletter {
        padding: 32px 16px 12px;
    }
    section.hp-newsletter .hp-container.hp-newsletter-layout {
        padding: 20px 18px;
    }
    section#contact {
        padding: 16px 16px 40px !important;
    }
    section#contact .hb-contact-shell {
        padding: 20px 18px;
    }
    section#contact > div > div:first-child {
        text-align: left;
    }
}