/* Albany Agency LLC — site styles
   Brand: navy #052751 · red #bd1b1b
   Mobile-first */
:root{
  --navy:#052751;
  --navy-dark:#031a36;
  --red:#bd1b1b;
  --red-dark:#9a1515;
  --bg:#f5f7fa;
  --white:#fff;
  --text:#1a2332;
  --muted:#5a6577;
  --border:#e1e5ea;
  --radius:10px;
  --shadow:0 4px 18px rgba(5,39,81,.12);
  --max:1100px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--text);background:var(--white);
  line-height:1.55;font-size:16px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:var(--red)}
h1,h2,h3{line-height:1.25;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.75rem,4vw,2.5rem)}
h2{font-size:clamp(1.35rem,3vw,1.85rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
ul{margin:0 0 1em;padding-left:1.25em}
.container{width:min(100% - 2rem,var(--max));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.5rem 1rem;z-index:100000}
.skip-link:focus{left:1rem;top:1rem}

/* Header */
.site-header{
  background:var(--navy);color:#fff;position:sticky;top:0;z-index:1000;
  box-shadow:0 2px 8px rgba(0,0,0,.15);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
  padding:.75rem 0;flex-wrap:wrap;
}
.brand{display:flex;align-items:center;gap:.75rem;color:#fff;text-decoration:none}
.brand:hover{color:#fff;opacity:.92}
.brand img{width:48px;height:48px;border-radius:50%;background:#fff;object-fit:contain}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-text strong{font-size:1.05rem}
.brand-text span{font-size:.75rem;opacity:.8}
.header-cta{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap}
.nav-toggle{
  display:inline-flex;align-items:center;justify-content:center;
  background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff;
  border-radius:6px;padding:.4rem .7rem;cursor:pointer;font-size:.9rem;
}
.site-nav{width:100%;display:none}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:.5rem 0 0;display:flex;flex-direction:column;gap:.25rem}
.site-nav a{
  color:#fff;text-decoration:none;display:block;padding:.55rem .75rem;
  border-radius:6px;font-size:.95rem;
}
.site-nav a:hover,.site-nav a[aria-current="page"]{background:rgba(255,255,255,.12);color:#fff}
.phone-link{
  color:#fff;font-weight:600;text-decoration:none;white-space:nowrap;font-size:.95rem;
}
.phone-link:hover{color:#fff;opacity:.9}

@media (min-width:840px){
  .nav-toggle{display:none}
  .header-inner{flex-wrap:nowrap}
  .site-nav{width:auto;display:block;margin-left:auto}
  .site-nav ul{flex-direction:row;padding:0;gap:.15rem;align-items:center}
  .site-nav a{padding:.4rem .65rem;font-size:.9rem}
  .header-cta{margin-left:.75rem}
}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.4rem;
  padding:.7rem 1.25rem;border-radius:8px;font-weight:600;font-size:.95rem;
  text-decoration:none;border:2px solid transparent;cursor:pointer;
  transition:background .15s,color .15s,border-color .15s;
  font-family:inherit;line-height:1.2;
}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover{background:var(--navy-dark);color:#fff}
.btn-accent{background:var(--red);color:#fff;border-color:var(--red)}
.btn-accent:hover{background:var(--red-dark);color:#fff}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-lg{padding:.85rem 1.5rem;font-size:1.05rem}
.btn-row{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.25rem 0}

/* Hero */
.hero{
  background:linear-gradient(160deg,var(--navy) 0%,#0a3a6e 55%,#0d4a85 100%);
  color:#fff;padding:3rem 0 3.5rem;
}
.hero h1{color:#fff;margin-bottom:.75rem}
.hero .sub{font-size:clamp(1rem,2.2vw,1.15rem);opacity:.92;max-width:40rem;margin-bottom:1.25rem}
.hero .hint{font-size:.9rem;opacity:.8;margin-top:1rem}
.hero .btn-primary{background:#fff;color:var(--navy);border-color:#fff}
.hero .btn-primary:hover{background:#e8eef5;color:var(--navy)}
.hero .btn-accent{background:var(--red);border-color:var(--red)}

/* Sections */
.section{padding:3rem 0}
.section-alt{background:var(--bg)}
.section-intro{max-width:40rem;color:var(--muted);margin-bottom:1.75rem}
.fine-print{font-size:.85rem;color:var(--muted)}

/* Cards */
.card-grid{
  display:grid;gap:1.25rem;
  grid-template-columns:1fr;
}
@media (min-width:600px){.card-grid{grid-template-columns:1fr 1fr}}
@media (min-width:900px){.card-grid.cols-4{grid-template-columns:repeat(4,1fr)}}
.card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:1.5rem;box-shadow:var(--shadow);display:flex;flex-direction:column;
}
.card h3{margin-bottom:.5rem}
.card p{flex:1;color:var(--muted);font-size:.95rem}
.card .btn{margin-top:1rem;align-self:flex-start}

/* Carrier strip */
.carriers{
  display:flex;flex-wrap:wrap;gap:.5rem .75rem;justify-content:center;
  list-style:none;padding:0;margin:1.5rem 0;
}
.carriers li{
  background:var(--white);border:1px solid var(--border);border-radius:999px;
  padding:.4rem .9rem;font-size:.9rem;font-weight:500;color:var(--navy);
}

/* Quote / forms */
.form-panel{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:1.5rem;box-shadow:var(--shadow);max-width:640px;
}
.form-grid{display:grid;gap:1rem}
@media (min-width:560px){.form-grid.two{grid-template-columns:1fr 1fr}}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.35rem;color:var(--navy)}
input,select,textarea{
  width:100%;padding:.65rem .75rem;border:1px solid var(--border);border-radius:6px;
  font:inherit;background:#fff;color:var(--text);
}
input:focus,select:focus,textarea:focus{outline:2px solid var(--navy);outline-offset:1px;border-color:var(--navy)}
.field-hint{font-size:.8rem;color:var(--muted);margin-top:.25rem}
.checkbox-row{display:flex;flex-wrap:wrap;gap:.75rem 1.25rem;margin:.5rem 0}
.checkbox-row label{font-weight:500;display:flex;align-items:center;gap:.4rem}
.form-success{
  display:none;background:#e8f5e9;border:1px solid #a5d6a7;border-radius:8px;
  padding:1rem 1.25rem;margin-bottom:1rem;color:#1b5e20;
}
.form-success.show{display:block}

/* Claims */
.claims-list{display:grid;gap:.75rem}
.claim-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:1rem 1.25rem;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem;
}
.claim-card h3{margin:0;font-size:1.05rem}
.claim-meta{font-size:.9rem;color:var(--muted)}
.claim-actions{display:flex;flex-wrap:wrap;gap:.5rem}

/* Local / reviews */
.local-details{list-style:none;padding:0;margin:1.25rem 0}
.local-details li{padding:.4rem 0;border-bottom:1px solid var(--border)}
.local-details li:last-child{border-bottom:0}
.review-box{
  background:var(--bg);border-left:4px solid var(--navy);padding:1.25rem 1.5rem;
  border-radius:0 var(--radius) var(--radius) 0;margin:1.25rem 0;
}

/* Page hero (inner pages) */
.page-hero{
  background:var(--navy);color:#fff;padding:2rem 0;
}
.page-hero h1{color:#fff;margin:0 0 .4rem}
.page-hero p{opacity:.9;margin:0;max-width:36rem}

/* Footer */
.site-footer{
  background:var(--navy-dark);color:rgba(255,255,255,.85);padding:2.5rem 0 1.5rem;
  font-size:.9rem;margin-top:auto;
}
.site-footer a{color:#fff}
.site-footer a:hover{opacity:.85}
.footer-grid{
  display:grid;gap:1.5rem;
  grid-template-columns:1fr;
}
@media (min-width:700px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.75rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.4rem}
.footer-bottom{
  margin-top:2rem;padding-top:1.25rem;border-top:1px solid rgba(255,255,255,.15);
  font-size:.8rem;opacity:.75;
}

/* Utility */
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.text-center{text-align:center}
.ways{display:grid;gap:1rem;margin:1.5rem 0}
@media (min-width:700px){.ways{grid-template-columns:repeat(3,1fr)}}
.way{
  background:var(--bg);border-radius:var(--radius);padding:1.25rem;border:1px solid var(--border);
}
.way strong{display:block;color:var(--navy);margin-bottom:.35rem}

/* Chat widget lives fixed; leave bottom padding so content isn't hidden behind launch button */
body{padding-bottom:5rem}

/* Print */
@media print{
  .site-header,.site-nav,.nav-toggle,#aa-chat-root,.btn-row{display:none!important}
  body{padding:0;color:#000}
}