@font-face {
  font-family: 'Bricolage Grotesque';
  src: url('/fonts/bricolage-grotesque-latin-variable.woff2') format('woff2');
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
}
@font-face {
  font-family: 'Outfit';
  src: url('/fonts/outfit-400-latin.woff2') format('woff2');
  font-style: normal;
  font-weight: 400;
  font-display: swap;
}
@font-face {
  font-family: 'Outfit';
  src: url('/fonts/outfit-600-latin.woff2') format('woff2');
  font-style: normal;
  font-weight: 600;
  font-display: swap;
}
@font-face {
  font-family: 'Outfit';
  src: url('/fonts/outfit-700-latin.woff2') format('woff2');
  font-style: normal;
  font-weight: 700;
  font-display: swap;
}

:root {
  --navy: #0A1F3C;
  --navy-2: #122A52;
  --gold: #E8B84B;
  --gold-dark: #D4A93C;
  --gold-accent: #C59226;
  --cream: #FAF7F0;
  --gray-bg: #F5F7FA;
  --white: #FFFFFF;
  --text: #1B2432;
  --muted: #586577;
  --border: #E2E7ED;
  --shadow: 0 8px 30px rgba(10, 31, 60, 0.06);
}

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 24px;
}

body {
  margin: 0;
  color: var(--text);
  background: var(--white);
  font-family: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 18px;
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body:has(dialog[open]) {
  overflow: hidden;
}

h1, h2, h3, h4, p, figure, ul, ol {
  margin: 0;
}

h1, h2, h3, .ncjua-dp-code, .ncjua-step-num {
  font-family: 'Bricolage Grotesque', 'Outfit', sans-serif;
  color: var(--navy);
  line-height: 1.12;
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(56px, 4.5vw, 64px);
  font-weight: 800;
  line-height: 1.08;
}

h2 {
  font-size: clamp(34px, 3vw, 40px);
  font-weight: 700;
}

h3 {
  font-size: 23px;
  font-weight: 700;
  line-height: 1.2;
}

a {
  color: inherit;
  text-decoration: none;
}

button, input, select, textarea {
  font: inherit;
}

button, a, input, select, textarea, summary {
  -webkit-tap-highlight-color: transparent;
}

button {
  cursor: pointer;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

svg {
  display: inline-block;
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  vertical-align: middle;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
summary:focus-visible {
  outline: 3px solid #1974CF;
  outline-offset: 3px;
}

.ncjua-skip {
  position: absolute;
  top: -100px;
  left: 16px;
  padding: 12px 18px;
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
  border-radius: 8px;
  z-index: 10000;
  box-shadow: var(--shadow);
}
.ncjua-skip:focus {
  top: 12px;
}

.ncjua-wrap {
  width: min(100%, 1264px);
  margin-inline: auto;
  padding-inline: 32px;
}

.ncjua-section {
  padding-block: 80px;
}

.ncjua-section--compact-top {
  padding-top: 16px;
  padding-bottom: 80px;
}

.ncjua-cream {
  background: var(--cream);
}

.ncjua-section-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 40px;
}

.ncjua-section-head p {
  margin-top: 10px;
  color: var(--muted);
  font-size: 18px;
}

/* Buttons */
.ncjua-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 12px 26px;
  border-radius: 12px;
  border: 1.5px solid transparent;
  font-size: 17px;
  font-weight: 600;
  line-height: 1.25;
  text-align: center;
  transition: background-color 0.18s ease, border-color 0.18s ease, transform 0.15s ease, box-shadow 0.18s ease;
}

.ncjua-btn-gold {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.ncjua-btn-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  box-shadow: 0 6px 18px rgba(10, 31, 60, 0.14);
}

.ncjua-btn-outline-light {
  background: rgba(10, 31, 60, 0.35);
  border-color: rgba(255, 255, 255, 0.78);
  color: var(--white);
}
.ncjua-btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: var(--white);
}
.ncjua-btn-outline-light svg {
  color: var(--gold);
  width: 20px;
  height: 20px;
}

.ncjua-btn-navy {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.ncjua-btn-navy:hover {
  background: var(--navy-2);
  border-color: var(--navy-2);
}

/* 6. Header */
.ncjua-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 40;
}

.ncjua-header-inner {
  min-height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.ncjua-logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}
.ncjua-logo img {
  width: 204px;
  height: auto;
}

.ncjua-nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.ncjua-nav a {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 8px 0;
  font-size: 16px;
  font-weight: 500;
  color: var(--navy);
  transition: color 0.15s ease;
}
.ncjua-nav a:hover {
  color: var(--gold-accent);
}
.ncjua-nav a svg {
  width: 14px;
  height: 14px;
  color: var(--muted);
}

.ncjua-header-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.ncjua-header-phone {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-height: 44px;
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}
.ncjua-header-phone svg {
  color: var(--gold-dark);
  width: 22px;
  height: 22px;
}
.ncjua-header-phone:hover {
  color: var(--gold-accent);
}

.ncjua-menu-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  padding: 8px;
  border: 1px solid #d6dde7;
  border-radius: 10px;
  background: var(--white);
  color: var(--navy);
  flex-shrink: 0;
  transition: border-color 0.15s ease, background-color 0.15s ease;
}
.ncjua-menu-btn:hover {
  border-color: var(--navy);
  background: var(--cream);
}
.ncjua-menu-btn svg {
  width: 24px;
  height: 24px;
}

/* 7 & 8. Hero */
.ncjua-hero {
  position: relative;
  isolation: isolate;
  background: var(--navy);
  color: var(--white);
  overflow: hidden;
}

.ncjua-hero-bg-desktop {
  position: absolute;
  inset: 0;
  z-index: -2;
}
.ncjua-hero-bg-desktop img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}
.ncjua-hero-bg-desktop::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(10, 31, 60, 0.94) 0%,
    rgba(10, 31, 60, 0.82) 34%,
    rgba(10, 31, 60, 0.25) 56%,
    rgba(10, 31, 60, 0) 72%
  );
}

.ncjua-hero-mobile-photo {
  display: none;
}

.ncjua-hero-inner {
  min-height: 680px;
  display: flex;
  align-items: center;
  padding-block: 56px;
}

.ncjua-hero-copy {
  width: 100%;
  max-width: 600px;
}

.ncjua-eyebrow {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.ncjua-eyebrow-mobile {
  display: none;
}

.ncjua-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 18px 7px 14px;
  border: 1.5px solid rgba(255, 255, 255, 0.72);
  border-radius: 999px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 24px;
}

.ncjua-pill-logo {
  width: 28px;
  height: auto;
  filter: brightness(0) invert(1);
  flex-shrink: 0;
}

.ncjua-fair-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 16px 6px 12px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 14px;
  box-shadow: 0 2px 8px rgba(10, 31, 60, 0.04);
}

.ncjua-fair-badge img {
  width: 34px;
  height: auto;
  flex-shrink: 0;
}

.ncjua-footer-emblem {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 6px 12px;
  margin-bottom: 10px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  font-size: 12.5px;
  font-weight: 600;
  color: #E2E8F0;
}

.ncjua-footer-emblem img {
  width: 34px;
  height: auto;
  filter: brightness(0) invert(1);
  flex-shrink: 0;
}

.ncjua-hero h1 {
  color: var(--white);
  margin-bottom: 24px;
}
.ncjua-hero h1 .ncjua-line {
  display: block;
}
.ncjua-hero h1 .ncjua-gold {
  display: block;
  color: var(--gold);
}

.ncjua-hero-lead {
  font-size: 19px;
  line-height: 1.58;
  color: #EEF3F8;
  max-width: 530px;
}
.ncjua-lead-mobile {
  display: none;
}

.ncjua-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}

.ncjua-location-line {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 24px;
  font-size: 15px;
  font-weight: 500;
  color: #EEF3F8;
}
.ncjua-location-line svg {
  width: 18px;
  height: 18px;
  color: var(--white);
}

.ncjua-hero-note {
  margin-top: 10px;
  font-size: 14px;
  color: rgba(230, 237, 245, 0.8);
}

/* 9. Benefits Strip */
.ncjua-benefits {
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.ncjua-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  padding-block: 24px;
}

.ncjua-benefit-item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  padding-inline: 16px;
  color: var(--navy);
  font-size: 17px;
  font-weight: 600;
}
.ncjua-benefit-item + .ncjua-benefit-item {
  border-left: 1px solid var(--border);
}
.ncjua-benefit-item svg {
  width: 38px;
  height: 38px;
  color: var(--gold-dark);
}
.ncjua-benefit-mobile {
  display: none;
}

/* 10. Property-type cards */
.ncjua-prop-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.ncjua-prop-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}
.ncjua-prop-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold-dark);
  box-shadow: 0 12px 34px rgba(10, 31, 60, 0.1);
}

.ncjua-prop-media {
  aspect-ratio: 3 / 2;
  background: var(--gray-bg);
  overflow: hidden;
}
.ncjua-prop-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.ncjua-prop-body {
  padding: 24px 26px 26px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.ncjua-prop-body h3 {
  font-size: 23px;
  color: var(--navy);
  margin-bottom: 6px;
}

.ncjua-prop-body p {
  font-size: 17px;
  color: var(--muted);
  margin-bottom: 14px;
}

.ncjua-card-action {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 16px;
  font-weight: 600;
  color: var(--gold-accent);
}
.ncjua-card-action svg {
  width: 18px;
  height: 18px;
  transition: transform 0.15s ease;
}
.ncjua-prop-card:hover .ncjua-card-action svg {
  transform: translateX(3px);
}

.ncjua-supporting-note {
  margin-top: 22px;
  text-align: center;
  font-size: 14px;
  color: var(--muted);
}

/* 11. DP-1 and DP-2 Section */
.ncjua-dp-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.ncjua-dp-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 28px;
  box-shadow: var(--shadow);
}

.ncjua-dp-code {
  display: block;
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
}

.ncjua-dp-sub {
  display: block;
  font-size: 19px;
  font-weight: 700;
  color: var(--gold-accent);
  margin-bottom: 12px;
}

.ncjua-dp-desc {
  font-size: 18px;
  color: var(--text);
  margin-bottom: 6px;
}

.ncjua-dp-meta {
  font-size: 15px;
  color: var(--muted);
}

.ncjua-dp-strip {
  margin-top: 20px;
  background: var(--navy);
  color: var(--white);
  border-radius: 12px;
  padding: 20px 28px;
  display: flex;
  align-items: center;
  gap: 22px;
  box-shadow: var(--shadow);
}

.ncjua-dp-strip-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-right: 22px;
  border-right: 1px solid rgba(255, 255, 255, 0.22);
  color: var(--gold);
}
.ncjua-dp-strip-icon svg {
  width: 34px;
  height: 34px;
}

.ncjua-dp-strip-text strong {
  display: block;
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 2px;
}
.ncjua-dp-strip-text p {
  font-size: 15px;
  color: #D7E1EE;
}

.ncjua-dp-more {
  margin-top: 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 22px;
}
.ncjua-dp-more summary {
  cursor: pointer;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.ncjua-dp-more summary::-webkit-details-marker {
  display: none;
}
.ncjua-dp-more summary::after {
  content: "Learn about coverage details +";
  font-size: 14px;
  color: var(--gold-accent);
}
.ncjua-dp-more[open] summary::after {
  content: "Hide coverage details −";
}
.ncjua-dp-more-body {
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
  font-size: 15px;
  color: var(--muted);
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.ncjua-dp-more-body strong {
  color: var(--navy);
}

/* 12. Personal property-review section */
.ncjua-review-split {
  display: grid;
  grid-template-columns: 48fr 52fr;
  gap: 44px;
  align-items: center;
}

.ncjua-review-photo img {
  width: 100%;
  border-radius: 16px;
  box-shadow: var(--shadow);
  object-fit: cover;
}

.ncjua-review-copy h2 {
  margin-bottom: 22px;
}

.ncjua-check-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 28px;
}

.ncjua-check-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 18px;
  color: var(--text);
}
.ncjua-check-list svg {
  width: 28px;
  height: 28px;
  color: var(--gold-dark);
}

/* 13. Coverage questions section */
.ncjua-closer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.ncjua-closer-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 18px;
  box-shadow: var(--shadow);
}
.ncjua-closer-card svg {
  width: 38px;
  height: 38px;
  color: var(--gold-dark);
  margin-top: 2px;
}
.ncjua-closer-card h3 {
  font-size: 20px;
  margin-bottom: 4px;
}
.ncjua-closer-card p {
  font-size: 16px;
  color: var(--muted);
  line-height: 1.45;
}

/* 14. Three-step process */
.ncjua-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  list-style: none;
  padding: 0;
}

.ncjua-step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px 26px;
  display: flex;
  align-items: flex-start;
  gap: 18px;
  box-shadow: var(--shadow);
}

.ncjua-step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 20px;
  font-weight: 800;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

.ncjua-step-card h3 {
  font-size: 20px;
  margin-bottom: 4px;
}
.ncjua-step-card p {
  font-size: 16px;
  color: var(--muted);
  line-height: 1.45;
}

/* 15. FAQ section */
.ncjua-faq-wrap {
  max-width: 960px;
  margin-inline: auto;
}

.ncjua-faq-wrap h2 {
  margin-bottom: 24px;
}

.ncjua-faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.ncjua-faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 2px 10px rgba(10, 31, 60, 0.03);
}

.ncjua-faq-item summary {
  padding: 18px 22px;
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  min-height: 58px;
}
.ncjua-faq-item summary::-webkit-details-marker {
  display: none;
}
.ncjua-faq-item summary svg {
  width: 20px;
  height: 20px;
  color: var(--navy);
  transition: transform 0.2s ease;
}
.ncjua-faq-item[open] summary svg {
  transform: rotate(180deg);
}

.ncjua-faq-answer {
  padding: 0 22px 20px;
  font-size: 17px;
  color: var(--muted);
  line-height: 1.6;
}

/* 16. Closing Section */
.ncjua-closing-section {
  padding-top: 8px;
  padding-bottom: 72px;
}

.ncjua-closing-banner {
  position: relative;
  isolation: isolate;
  border-radius: 16px;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
  padding: 48px;
  min-height: 260px;
  display: flex;
  align-items: center;
  box-shadow: var(--shadow);
}

.ncjua-closing-banner > img {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}

.ncjua-closing-banner::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    90deg,
    rgba(10, 31, 60, 0.88) 0%,
    rgba(10, 31, 60, 0.62) 38%,
    rgba(10, 31, 60, 0.12) 64%,
    rgba(10, 31, 60, 0) 100%
  );
}

.ncjua-closing-copy {
  position: relative;
  z-index: 2;
  max-width: 580px;
}

.ncjua-closing-copy h2 {
  color: var(--white);
  font-size: clamp(30px, 2.8vw, 38px);
  margin-bottom: 8px;
}

.ncjua-closing-copy p {
  color: #E5ECF5;
  font-size: 18px;
  margin-bottom: 24px;
}

.ncjua-closing-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

/* 18. Footer */
.ncjua-footer {
  background: var(--navy);
  color: #E2E8F0;
  padding: 44px 0 36px;
}

.ncjua-footer-top {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.ncjua-footer-brand strong {
  display: block;
  font-family: 'Bricolage Grotesque', 'Outfit', sans-serif;
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.04em;
  color: var(--white);
  margin-bottom: 6px;
}
.ncjua-footer-brand span {
  display: block;
  font-size: 12px;
  letter-spacing: 0.16em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 12px;
}
.ncjua-footer-brand address {
  font-style: normal;
  font-size: 15px;
  color: #CBD5E1;
  line-height: 1.65;
}
.ncjua-footer-brand a:hover,
.ncjua-footer-links a:hover {
  color: var(--gold);
  text-decoration: underline;
}

.ncjua-footer-links h3 {
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.ncjua-footer-links ul {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 14.5px;
  color: #CBD5E1;
}
.ncjua-footer-links a {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
}

.ncjua-footer-bottom {
  padding-top: 22px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  font-size: 13px;
  color: #94A3B8;
}
.ncjua-footer-bottom p {
  max-width: 780px;
}

/* 17. Property-Review Modal Form */
.ncjua-dialog {
  width: min(620px, calc(100% - 32px));
  max-height: calc(100dvh - 32px);
  border: 0;
  border-radius: 20px;
  padding: 32px;
  color: var(--text);
  background: var(--white);
  box-shadow: 0 24px 80px rgba(10, 31, 60, 0.32);
  overflow: auto;
}
.ncjua-dialog::backdrop {
  background: rgba(10, 31, 60, 0.72);
}

.ncjua-dialog-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 42px;
  height: 42px;
  border: 0;
  border-radius: 50%;
  background: var(--gray-bg);
  color: var(--navy);
  display: grid;
  place-items: center;
}
.ncjua-dialog-close:hover {
  background: #E2E7ED;
}

.ncjua-dialog h2 {
  font-size: 28px;
  padding-right: 36px;
  margin-bottom: 8px;
}

.ncjua-dialog-lead {
  font-size: 16px;
  color: var(--muted);
  margin-bottom: 22px;
}

.ncjua-form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.ncjua-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.ncjua-field-wide {
  grid-column: 1 / -1;
}

.ncjua-field label {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--navy);
}
.ncjua-field label span {
  font-weight: 400;
  color: var(--muted);
}

.ncjua-field input,
.ncjua-field select,
.ncjua-field textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid #B8C3D1;
  border-radius: 10px;
  padding: 10px 13px;
  font-size: 16px;
  color: var(--text);
  background: var(--white);
}
.ncjua-field textarea {
  min-height: 92px;
  resize: vertical;
}

.ncjua-form-note {
  margin-top: 16px;
  font-size: 13px;
  color: var(--muted);
  line-height: 1.5;
}
.ncjua-form-note a {
  text-decoration: underline;
  color: var(--navy);
}

.ncjua-form-submit {
  margin-top: 18px;
  width: 100%;
  min-height: 54px;
}
.ncjua-form-submit:disabled {
  opacity: 0.65;
  cursor: wait;
}

.ncjua-form-status {
  margin-top: 16px;
  padding: 16px;
  border-radius: 12px;
  background: #EEF6F1;
  border: 1px solid #B7DEC5;
  color: #1B4D2E;
  font-size: 15.5px;
  line-height: 1.55;
}
.ncjua-form-status:empty {
  display: none;
}
.ncjua-form-status[data-error="true"] {
  background: #FFF1F0;
  border-color: #F2B8B5;
  color: #8C1D28;
}

.ncjua-upload-next {
  margin-top: 14px;
  padding: 16px;
  border-radius: 12px;
  background: var(--cream);
  border: 1px solid #E5D9BD;
}
.ncjua-upload-next[hidden] {
  display: none;
}
.ncjua-upload-next p {
  font-size: 14.5px;
  color: var(--text);
  margin-bottom: 12px;
}

.ncjua-honeypot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* 20. Mobile Sticky Bottom Bar */
.ncjua-mobile-bar {
  display: none;
}

.bli-um-entry {
  display: none !important;
}

/* Responsive Tablet (768px - 1024px) */
@media (max-width: 1024px) {
  .ncjua-wrap {
    padding-inline: 24px;
  }
  .ncjua-header-inner {
    gap: 14px;
  }
  .ncjua-logo img {
    width: 168px;
  }
  .ncjua-nav {
    gap: 14px;
  }
  .ncjua-nav a {
    font-size: 15px;
  }
  .ncjua-header-phone {
    font-size: 16px;
    gap: 6px;
  }
  .ncjua-hero-inner {
    min-height: 620px;
  }
  .ncjua-hero-copy {
    max-width: 500px;
  }
  .ncjua-prop-grid,
  .ncjua-closer-grid,
  .ncjua-steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .ncjua-review-split {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

/* Responsive Mobile (<= 767px) */
@media (max-width: 767px) {
  body {
    font-size: 17px;
    padding-bottom: 82px;
  }

  h1 {
    font-size: clamp(36px, 9.6vw, 42px);
    line-height: 1.1;
  }

  h2 {
    font-size: clamp(28px, 7.2vw, 32px);
  }

  h3 {
    font-size: 21px;
  }

  .ncjua-wrap {
    padding-inline: 20px;
  }

  .ncjua-section {
    padding-block: 50px;
  }

  .ncjua-section--compact-top {
    padding-top: 8px;
    padding-bottom: 50px;
  }

  .ncjua-section-head {
    margin-bottom: 28px;
  }
  .ncjua-section-head p {
    font-size: 17px;
  }

  .ncjua-btn {
    min-height: 54px;
    font-size: 17px;
    width: 100%;
  }

  /* Mobile Header (64-72px, 150px logo, Menu button on right) */
  .ncjua-header-inner {
    min-height: 68px;
  }
  .ncjua-logo img {
    width: 150px;
  }
  .ncjua-nav,
  .ncjua-header-phone {
    display: none;
  }
  .ncjua-menu-btn {
    display: inline-flex;
  }

  /* Mobile Hero */
  .ncjua-hero-bg-desktop {
    display: none;
  }
  .ncjua-hero-inner {
    min-height: 0;
    display: block;
    padding-top: 28px;
    padding-bottom: 18px;
  }
  .ncjua-hero-copy {
    max-width: none;
  }
  .ncjua-eyebrow-desktop {
    display: none;
  }
  .ncjua-eyebrow-mobile {
    display: inline;
  }
  .ncjua-eyebrow {
    font-size: 11.5px;
    margin-bottom: 12px;
  }
  .ncjua-pill {
    font-size: 11px;
    padding: 6px 14px;
    margin-bottom: 20px;
  }
  .ncjua-hero h1 {
    margin-bottom: 18px;
  }
  .ncjua-lead-desktop {
    display: none;
  }
  .ncjua-lead-mobile {
    display: inline;
  }
  .ncjua-hero-lead {
    font-size: 17px;
    line-height: 1.55;
  }
  .ncjua-hero-actions {
    flex-direction: column;
    gap: 12px;
    margin-top: 24px;
  }
  .ncjua-location-line {
    display: none;
  }
  .ncjua-hero-note {
    margin-top: 14px;
    font-size: 13px;
  }

  /* Preserve 280-360px of visible house photography beneath the mobile hero text */
  .ncjua-hero-mobile-photo {
    display: block;
    position: relative;
    height: 320px;
    overflow: hidden;
    margin-top: 4px;
  }
  .ncjua-hero-mobile-photo img {
    width: 100%;
    height: 185%;
    max-width: none;
    object-fit: cover;
    object-position: center bottom;
    transform: translateY(-44%);
  }
  .ncjua-hero-mobile-photo::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
      180deg,
      var(--navy) 0%,
      rgba(10, 31, 60, 0.55) 18%,
      rgba(10, 31, 60, 0) 42%
    );
  }

  /* Benefits Strip Mobile */
  .ncjua-benefits-grid {
    padding-block: 18px;
  }
  .ncjua-benefit-item {
    flex-direction: column;
    gap: 8px;
    padding-inline: 8px;
    font-size: 13px;
    text-align: center;
    line-height: 1.3;
  }
  .ncjua-benefit-item svg {
    width: 32px;
    height: 32px;
  }
  .ncjua-benefit-desktop {
    display: none;
  }
  .ncjua-benefit-mobile {
    display: inline;
  }

  /* Cards & Grids Mobile */
  .ncjua-prop-grid,
  .ncjua-dp-grid,
  .ncjua-review-split,
  .ncjua-closer-grid,
  .ncjua-steps-grid,
  .ncjua-footer-top,
  .ncjua-dp-more-body,
  .ncjua-form-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .ncjua-review-split {
    gap: 24px;
  }

  .ncjua-prop-body,
  .ncjua-dp-card,
  .ncjua-closer-card,
  .ncjua-step-card {
    padding: 22px;
  }

  .ncjua-dp-code {
    font-size: 28px;
  }

  .ncjua-dp-strip {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 20px 22px;
  }
  .ncjua-dp-strip-icon {
    padding-right: 0;
    border-right: 0;
  }

  .ncjua-faq-item summary {
    padding: 16px 18px;
    font-size: 17px;
  }
  .ncjua-faq-answer {
    padding: 0 18px 18px;
    font-size: 16.5px;
  }

  .ncjua-closing-section {
    padding-bottom: 48px;
  }
  .ncjua-closing-banner {
    padding: 28px;
    padding-bottom: 180px;
    display: block;
  }
  .ncjua-closing-banner > img {
    height: 220px;
    top: auto;
    bottom: 0;
    object-position: right bottom;
  }
  .ncjua-closing-banner::after {
    background: linear-gradient(
      180deg,
      rgba(10, 31, 60, 0.98) 0%,
      rgba(10, 31, 60, 0.94) 52%,
      rgba(10, 31, 60, 0.45) 76%,
      rgba(10, 31, 60, 0.1) 100%
    );
  }
  .ncjua-closing-actions {
    flex-direction: column;
    gap: 12px;
  }

  /* Compact Review Property / Call bottom bar after hero actions scroll out of view */
  .ncjua-mobile-bar {
    display: grid;
    grid-template-columns: 1.25fr 1fr;
    gap: 10px;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 45;
    background: var(--white);
    border-top: 1px solid var(--border);
    padding: 10px 16px max(10px, env(safe-area-inset-bottom));
    box-shadow: 0 -6px 24px rgba(10, 31, 60, 0.1);
    transform: translateY(110%);
    transition: transform 0.22s ease;
  }
  .ncjua-mobile-bar.is-visible {
    transform: translateY(0);
  }
  .ncjua-mobile-bar .ncjua-btn {
    min-height: 48px;
    padding: 10px 12px;
    font-size: 15.5px;
    border-radius: 10px;
  }

  .ncjua-dialog {
    padding: 26px 20px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *, *::before, *::after {
    transition: none !important;
    animation: none !important;
  }
}