/*
Theme Name: Carolina Farmers Mutual
Theme URI: https://cfmic.net
Author: Ledger Marketing
Author URI: https://ledgermarketing.com
Description: Custom block theme for Carolina Farmers Mutual Insurance Company — serving North Carolina since 1892.
Version: 1.5.0
Requires at least: 6.5
Tested up to: 7.0
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: carolina-farmers
*/

/* ---------- Block-gap strips: zero page-level vertical margins ---------- */
.wp-site-blocks > * { margin-block: 0; }
.wp-site-blocks main .alignfull { margin-block: 0; }
/* Block-gap INSIDE header/footer parts (topline + logo bar stacked groups) */
.cfm-header > *, .cfm-footer > * { margin-block: 0 !important; }

body { -webkit-font-smoothing: antialiased; }

/* ---------- Header ---------- */
.cfm-topline { font-size: 0.85rem; }
.cfm-topline a { color: #C7D2FF; text-decoration: none; }
.cfm-topline a:hover { color: #fff; }
.cfm-logobar { border-bottom: 1px solid var(--wp--preset--color--sand); }
.cfm-logo img { height: 74px; width: auto; display: block; }
/* Header nav links: navy pill buttons (per client mockup) */
body .cfm-header nav.wp-block-navigation a {
	background: var(--wp--preset--color--ink);
	color: #fff !important;
	font-weight: 600;
	font-size: 0.92rem;
	text-decoration: none;
	padding: 0.55rem 1.05rem;
	border-radius: 8px;
	transition: background 0.12s ease;
}
body .cfm-header nav.wp-block-navigation a:hover { background: var(--wp--preset--color--periwinkle); color: #fff !important; }
body .cfm-header nav.wp-block-navigation { gap: 0.5rem; }
/* Open mobile overlay must out-specify the ink rule above */
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open {
	background: var(--wp--preset--color--ink) !important;
	background-color: var(--wp--preset--color--ink) !important;
	padding: 5rem 2rem 2rem;
}
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open a {
	color: #fff !important;
	font-size: 1.25rem;
	background: transparent;
	padding: 0.35rem 0.75rem;
}
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open .wp-block-navigation-item {
	align-items: center;
}
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open .wp-block-navigation__container {
	align-items: center !important;
	justify-content: center;
}
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open .wp-block-navigation__responsive-container-content {
	align-items: center;
	justify-content: center;
}
body .cfm-header .wp-block-navigation__responsive-container-close svg,
body .cfm-header .wp-block-navigation__responsive-container.is-menu-open button svg { stroke: #fff; fill: #fff; }
/* Header pay button — always visible, even on mobile */
.cfm-pay-btn a.wp-block-button__link {
	background: var(--wp--preset--color--periwinkle);
	color: #fff !important;
	padding: 0.6rem 1.3rem;
	font-size: 0.95rem;
	white-space: nowrap;
}
.cfm-pay-btn a.wp-block-button__link:hover { background: #3D5AE8; }

/* ---------- Light hero (mountains, navy text on hazy sky) ---------- */
.cfm-hero-light { position: relative; }
.cfm-hero-light .wp-block-cover__background {
	background: linear-gradient(100deg, rgba(247, 244, 236, 0.96) 0%, rgba(247, 244, 236, 0.88) 42%, rgba(247, 244, 236, 0.45) 66%, rgba(247, 244, 236, 0) 85%) !important;
	opacity: 1 !important;
}
@media (max-width: 700px) {
	.cfm-hero-light .wp-block-cover__background {
		background: linear-gradient(180deg, rgba(247, 244, 236, 0.94) 0%, rgba(247, 244, 236, 0.88) 65%, rgba(247, 244, 236, 0.4) 100%) !important;
	}
}
/* Hero content aligns with the 1180px site container, text left within it */
.cfm-hero-inner { width: 100%; max-width: 1180px; margin-inline: auto; padding: 0 1.25rem; }
.cfm-hero-light h1 { color: var(--wp--preset--color--ink); max-width: 620px; }
.cfm-hero-light h1 .cfm-hl { color: var(--wp--preset--color--periwinkle); }
.cfm-hero-light p { color: #3A4358; max-width: 460px; }
.cfm-hero-light .cfm-eyebrow {
	color: var(--wp--preset--color--periwinkle);
	display: inline-block;
	border-bottom: 3px solid var(--wp--preset--color--periwinkle);
	padding-bottom: 0.4rem;
	margin-bottom: 0.4rem;
}

/* ---------- Homepage icon feature strip ---------- */
.cfm-featstrip { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem 2.5rem; }
/* Top-align items so the three labels share one line regardless of how the text wraps */
.cfm-feat { display: flex; align-items: flex-start; gap: 1.1rem; }
.cfm-feat svg { width: 44px; height: 44px; stroke: var(--wp--preset--color--periwinkle); flex-shrink: 0; margin-top: -3px; }
.cfm-feat strong {
	display: block;
	color: var(--wp--preset--color--periwinkle);
	text-transform: uppercase;
	letter-spacing: 0.1em;
	font-size: 0.85rem;
	margin-bottom: 0.2rem;
}
.cfm-feat span { color: var(--wp--preset--color--ink); font-size: 0.97rem; line-height: 1.45; }

/* ---------- Homepage Get In Touch band ---------- */
.cfm-git { font-size: 0.95rem; }
.cfm-git .cfm-git-row { display: flex; align-items: baseline; gap: 0.8rem; margin-bottom: 0.85rem; color: #DDE3F2; }
.cfm-git .cfm-git-row svg { width: 20px; height: 20px; stroke: var(--wp--preset--color--sky); flex-shrink: 0; transform: translateY(3px); }
/* Rows holding the large display-face phone numbers: center the icon on the line */
.cfm-git .cfm-git-row:has(.cfm-git-phone) { align-items: center; }
.cfm-git .cfm-git-row:has(.cfm-git-phone) svg { transform: none; }
.cfm-git .cfm-git-phone { font-family: var(--wp--preset--font-family--display); font-size: 1.6rem; font-weight: 700; color: #fff !important; text-decoration: none; }
.cfm-tool svg { width: 30px; height: 30px; stroke: var(--wp--preset--color--sky); margin-bottom: 0.7rem; display: block; }

/* ---------- Staff grid ---------- */
.cfm-staff-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 1.75rem; }
.cfm-staff {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 12px;
	overflow: hidden;
	text-align: center;
	box-shadow: 0 2px 10px rgba(15, 27, 51, 0.06);
}
.cfm-staff img { width: 100%; aspect-ratio: 1; object-fit: cover; display: block; }
.cfm-staff .cfm-staff-body { padding: 1.1rem 1rem 1.3rem; }
.cfm-staff h3 { margin: 0 0 0.25rem; font-size: 1.15rem; }
.cfm-staff p { margin: 0; color: #6A7285; font-size: 0.9rem; }
.cfm-staff-placeholder {
	background: var(--wp--preset--color--ivory);
	aspect-ratio: 1;
	display: flex;
	align-items: center;
	justify-content: center;
	font-family: var(--wp--preset--font-family--display);
	font-size: 3rem;
	color: var(--wp--preset--color--periwinkle);
}

/* ---------- Hero / dark covers: force light text on every level ---------- */
.cfm-hero :where(h1, h2, h3, h4, p, li) { color: #fff; }
.cfm-hero .cfm-eyebrow { color: var(--wp--preset--color--sky); }
.cfm-darkband :where(h1, h2, h3, h4) { color: #fff; }
.cfm-darkband p, .cfm-darkband li { color: #DDE3F2; }
.cfm-darkband .cfm-eyebrow { color: var(--wp--preset--color--sky); }

.cfm-eyebrow {
	text-transform: uppercase;
	letter-spacing: 0.14em;
	font-weight: 700;
	font-size: 0.82rem;
	color: var(--wp--preset--color--periwinkle);
}

/* Outline (white ghost) button on photo/dark surfaces */
.cfm-btn-ghost a.wp-block-button__link {
	background: transparent;
	border: 2px solid #fff;
	color: #fff !important;
}
.cfm-btn-ghost a.wp-block-button__link:hover { background: rgba(255,255,255,0.15); }
/* CTA on a colored band: white button, brand-color text */
.cfm-payband .cfm-btn-invert a.wp-block-button__link {
	background: #fff;
	color: var(--wp--preset--color--ink) !important;
}
.cfm-payband .cfm-btn-invert a.wp-block-button__link:hover { background: var(--wp--preset--color--ivory); }

/* ---------- Card grids (real CSS grid — never wp-block-columns) ---------- */
.cfm-grid {
	display: grid;
	grid-template-columns: repeat(auto-fill, minmax(255px, 1fr));
	gap: 1.5rem;
}
/* Exactly-N grids: keep the row centered instead of leaving empty auto-fill tracks */
.cfm-grid-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) {
	.cfm-grid-3 { grid-template-columns: repeat(auto-fill, minmax(255px, 1fr)); }
}
.cfm-card {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 10px;
	overflow: hidden;
	box-shadow: 0 2px 10px rgba(15, 27, 51, 0.06);
	display: flex;
	flex-direction: column;
}
.cfm-card img { width: 100%; height: 185px; object-fit: cover; display: block; }
.cfm-card-body { padding: 1.3rem 1.4rem 1.5rem; flex: 1 1 auto; }
.cfm-card-body h3 { margin: 0 0 0.5rem; font-size: 1.3rem; }
.cfm-card-body p { margin: 0; font-size: 0.97rem; }
.cfm-card-body .cfm-card-link { display: inline-block; margin-top: 0.8rem; font-weight: 600; text-decoration: none; }

/* Quick-link tool cards on ink band */
.cfm-toolgrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 1.25rem; }
.cfm-tool {
	background: rgba(255,255,255,0.06);
	border: 1px solid rgba(147,167,255,0.35);
	border-radius: 10px;
	padding: 1.4rem 1.5rem;
	color: #fff;
	text-decoration: none;
	display: block;
	transition: background 0.15s ease;
}
.cfm-tool:hover { background: rgba(82,113,255,0.25); }
.cfm-tool strong { display: block; font-size: 1.08rem; margin-bottom: 0.35rem; color: #fff; }
.cfm-tool span { color: #C9D3EF; font-size: 0.92rem; line-height: 1.45; }

/* ---------- Agent directory ---------- */
.cfm-agent-search {
	width: 100%;
	max-width: 460px;
	padding: 0.85rem 1.1rem;
	border: 2px solid var(--wp--preset--color--sand);
	border-radius: 8px;
	font-size: 1.05rem;
	font-family: inherit;
}
.cfm-agent-search:focus { outline: none; border-color: var(--wp--preset--color--periwinkle); }
.cfm-agent-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.1rem; margin-top: 1.6rem; }
.cfm-agent {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-left: 4px solid var(--wp--preset--color--periwinkle);
	border-radius: 8px;
	padding: 1.05rem 1.2rem;
	font-size: 0.93rem;
	line-height: 1.5;
}
.cfm-agent strong { font-size: 1.02rem; color: var(--wp--preset--color--ink); display: block; margin-bottom: 0.25rem; }
.cfm-agent a { text-decoration: none; word-break: break-word; }
.cfm-agent .cfm-agent-city { color: #6A7285; text-transform: uppercase; font-size: 0.78rem; letter-spacing: 0.06em; font-weight: 700; }
.cfm-agent-count { color: #6A7285; font-size: 0.9rem; }
.cfm-agent-more {
	background: var(--wp--preset--color--periwinkle);
	color: #fff;
	border: none;
	border-radius: 6px;
	padding: 0.8rem 1.8rem;
	font-family: inherit;
	font-size: 1rem;
	font-weight: 600;
	cursor: pointer;
}
.cfm-agent-more:hover { background: #3D5AE8; }

/* ---------- Forms (claim / policy change / secure document) ---------- */
.cfm-form-intro { max-width: 760px; }
.cfm-form { margin-top: 1.5rem; }
.cfm-fieldset {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 12px;
	padding: 1.5rem 1.8rem 1.9rem;
	margin: 0 0 1.6rem;
	box-shadow: 0 2px 10px rgba(15, 27, 51, 0.05);
	min-width: 0;
}
/* Float pulls the legend out of the fieldset border and into normal flow,
   so the section title sits INSIDE the card instead of notching its outline. */
.cfm-fieldset legend {
	float: left;
	width: 100%;
	font-family: var(--wp--preset--font-family--display);
	font-size: 1.3rem;
	font-weight: 600;
	color: var(--wp--preset--color--ink);
	padding: 0 0 0.85rem;
	margin: 0 0 1.35rem;
	border-bottom: 1px solid var(--wp--preset--color--sand);
}
.cfm-fields { display: grid; grid-template-columns: repeat(12, 1fr); gap: 1.35rem 1.4rem; clear: both; }
.cfm-field { display: flex; flex-direction: column; gap: 0.4rem; grid-column: span 12; min-width: 0; }
.cfm-w-full { grid-column: 1 / -1; }
.cfm-w-half { grid-column: span 6; }
.cfm-w-third { grid-column: span 4; }
.cfm-w-quarter { grid-column: span 3; }
.cfm-field label, .cfm-field .cfm-label {
	font-weight: 600;
	font-size: 0.875rem;
	line-height: 1.3;
	color: var(--wp--preset--color--ink);
}
.cfm-field input:not([type="checkbox"]), .cfm-field select, .cfm-field textarea {
	box-sizing: border-box;
	border: 1px solid #B9AF94;
	border-radius: 7px;
	padding: 0 0.8rem;
	height: 44px;
	font-family: inherit;
	font-size: 0.97rem;
	color: var(--wp--preset--color--ink);
	background: #fff;
	width: 100%;
	box-shadow: inset 0 1px 2px rgba(15, 27, 51, 0.05);
	transition: border-color 0.12s ease, box-shadow 0.12s ease;
}
.cfm-field textarea { padding: 0.65rem 0.8rem; height: auto; min-height: 110px; line-height: 1.5; }
.cfm-field input[type="file"] { height: auto; min-height: 44px; }
.cfm-field select {
	appearance: none;
	-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' fill='none' stroke='%230F1B33' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
	background-repeat: no-repeat;
	background-position: right 0.85rem center;
	padding-right: 2.4rem;
}
.cfm-field input:hover:not(:focus), .cfm-field select:hover:not(:focus), .cfm-field textarea:hover:not(:focus) {
	border-color: #9A8E6E;
}
.cfm-field input:focus, .cfm-field select:focus, .cfm-field textarea:focus {
	outline: none;
	border-color: var(--wp--preset--color--periwinkle);
	box-shadow: 0 0 0 3px rgba(82, 113, 255, 0.15);
}
.cfm-field input[type="file"] { padding: 0.4rem 0.5rem; display: flex; align-items: center; }
.cfm-field input[type="file"]::file-selector-button {
	background: var(--wp--preset--color--ink);
	color: #fff;
	border: none;
	border-radius: 6px;
	padding: 0.5rem 1rem;
	margin-right: 0.9rem;
	font-family: inherit;
	font-size: 0.92rem;
	font-weight: 600;
	cursor: pointer;
}
.cfm-field input[type="file"]::file-selector-button:hover { background: #1E2E52; }
.cfm-checks { display: flex; flex-wrap: wrap; gap: 0.4rem 1.2rem; }
.cfm-check { font-weight: 400 !important; display: inline-flex; align-items: baseline; gap: 0.45rem; font-size: 0.97rem; }
.cfm-check input { accent-color: var(--wp--preset--color--periwinkle); transform: translateY(1px) scale(1.15); }
.cfm-check-single { line-height: 1.5; }
.cfm-req { color: #C0392B; font-weight: 700; }
.cfm-hint { font-size: 0.83rem; color: #6A7285; }
.cfm-form-note { font-size: 0.9rem; color: #6A7285; font-style: italic; }
.cfm-hp { position: absolute !important; left: -9999px !important; height: 1px; overflow: hidden; }
.cfm-form-actions { margin-top: 0.5rem; }
.cfm-submit {
	background: var(--wp--preset--color--periwinkle);
	color: #fff;
	border: none;
	border-radius: 8px;
	padding: 0.95rem 2.2rem;
	font-family: inherit;
	font-size: 1.08rem;
	font-weight: 600;
	cursor: pointer;
	box-shadow: 0 4px 14px rgba(82, 113, 255, 0.35);
}
.cfm-submit:hover { background: #3D5AE8; }
.cfm-form-notice { border-radius: 10px; padding: 1.1rem 1.4rem; margin-bottom: 1.5rem; font-size: 1rem; }
.cfm-form-notice-ok { background: #E8F5EC; border: 1px solid #9CD3AC; color: #1E5B33; }
.cfm-form-notice-err { background: #FBECEA; border: 1px solid #E4A69E; color: #7C2D22; }
@media (max-width: 700px) {
	.cfm-w-half, .cfm-w-third, .cfm-w-quarter { grid-column: span 12; }
	.cfm-fieldset { padding: 1.2rem 1.2rem 1.5rem; }
}

/* ---------- Agent portal ---------- */
.cfm-login-wrap { display: flex; justify-content: center; }
.cfm-login-card {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-top: 5px solid var(--wp--preset--color--periwinkle);
	border-radius: 14px;
	box-shadow: 0 14px 40px rgba(15, 27, 51, 0.12);
	padding: 2.4rem 2.6rem;
	max-width: 430px;
	width: 100%;
}
.cfm-login-card h2 { margin: 0 0 0.4rem; }
.cfm-login-card > p { font-size: 0.97rem; color: #555E70; }
.cfm-login-card form p { margin: 0 0 1rem; }
.cfm-login-card label { font-weight: 600; font-size: 0.92rem; color: var(--wp--preset--color--ink); display: block; margin-bottom: 0.3rem; }
.cfm-login-card input[type="text"], .cfm-login-card input[type="password"] {
	width: 100%;
	border: 1.5px solid var(--wp--preset--color--sand);
	border-radius: 8px;
	padding: 0.65rem 0.85rem;
	font-size: 1rem;
	background: #FDFCF9;
}
.cfm-login-card input:focus { outline: none; border-color: var(--wp--preset--color--periwinkle); box-shadow: 0 0 0 3px rgba(82,113,255,0.15); }
.cfm-login-card .login-remember label { font-weight: 400; display: inline-flex; gap: 0.4rem; align-items: baseline; }
.cfm-login-card input[type="submit"] {
	width: 100%;
	background: var(--wp--preset--color--periwinkle);
	color: #fff;
	border: none;
	border-radius: 8px;
	padding: 0.85rem;
	font-size: 1.05rem;
	font-weight: 600;
	cursor: pointer;
}
.cfm-login-card input[type="submit"]:hover { background: #3D5AE8; }
.cfm-login-links { text-align: center; font-size: 0.92rem; margin-top: 0.4rem; }
.cfm-login-help { font-size: 0.88rem; color: #6A7285; border-top: 1px solid var(--wp--preset--color--sand); padding-top: 1rem; margin-top: 1.4rem; }
.cfm-portal-bar {
	display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap;
	background: var(--wp--preset--color--ivory);
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 10px;
	padding: 0.7rem 1.2rem;
	margin-bottom: 1.6rem;
}
.cfm-portal-bar p { margin: 0; }
.cfm-portal-logout { font-weight: 600; text-decoration: none; }
.cfm-tool-light {
	background: var(--wp--preset--color--ivory);
	border: 1px solid var(--wp--preset--color--sand);
	color: var(--wp--preset--color--ink);
}
.cfm-tool-light:hover { background: #F0EBDD; }
.cfm-tool-light strong { color: var(--wp--preset--color--ink); }
.cfm-tool-light span { color: #555E70; }
.cfm-doc-group h3 { margin: 1.8rem 0 0.7rem; font-size: 1.15rem; }
.cfm-doc-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 0.5rem; }
.cfm-doc a {
	display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 8px;
	padding: 0.6rem 0.9rem;
	text-decoration: none;
	color: var(--wp--preset--color--ink);
	transition: border-color 0.12s ease, box-shadow 0.12s ease;
}
.cfm-doc a:hover { border-color: var(--wp--preset--color--periwinkle); box-shadow: 0 2px 8px rgba(82,113,255,0.18); }
.cfm-doc-title { font-size: 0.95rem; }
.cfm-doc-form { font-size: 0.78rem; font-weight: 700; color: var(--wp--preset--color--periwinkle); white-space: nowrap; letter-spacing: 0.04em; }
.cfm-policy-desc p { font-size: 0.95rem; }
.cfm-video { position: relative; aspect-ratio: 16 / 9; max-width: 860px; border-radius: 12px; overflow: hidden; box-shadow: 0 10px 30px rgba(15,27,51,0.18); }
.cfm-video iframe { width: 100%; height: 100%; border: 0; display: block; }

/* ---------- Legal documents page ---------- */
.cfm-legal-card .cfm-card-body { padding-top: 1.6rem; }
.cfm-legal-code { font-size: 0.9rem; background: var(--wp--preset--color--ivory); border-radius: 6px; padding: 0.35rem 0.6rem; display: inline-block; }
.cfm-steps {
	list-style: none;
	counter-reset: cfm-step;
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
	gap: 1.25rem;
	padding: 0;
	margin: 2rem 0 0;
}
.cfm-steps li {
	counter-increment: cfm-step;
	background: rgba(255,255,255,0.06);
	border: 1px solid rgba(147,167,255,0.35);
	border-radius: 10px;
	padding: 1.3rem 1.4rem;
	color: #DDE3F2;
}
.cfm-steps li::before {
	content: counter(cfm-step);
	display: block;
	width: 2rem; height: 2rem;
	border-radius: 50%;
	background: var(--wp--preset--color--periwinkle);
	color: #fff;
	font-weight: 700;
	text-align: center;
	line-height: 2rem;
	margin-bottom: 0.7rem;
}
.cfm-steps strong { color: #fff; display: block; margin-bottom: 0.25rem; }
.cfm-steps span { font-size: 0.92rem; }
.cfm-doc-list-public { grid-template-columns: 1fr; max-width: 640px; }

/* ---------- FAQ accordion ---------- */
.cfm-faq details {
	background: #fff;
	border: 1px solid var(--wp--preset--color--sand);
	border-radius: 8px;
	padding: 1rem 1.3rem;
	margin-bottom: 0.8rem;
}
.cfm-faq summary { font-weight: 600; color: var(--wp--preset--color--ink); cursor: pointer; font-size: 1.04rem; }
.cfm-faq details[open] summary { margin-bottom: 0.6rem; }

/* ---------- Footer ---------- */
.cfm-footer { font-size: 0.95rem; }
/* Columns are sized to their content (36/20/27) — spread the leftover space
   between them so the last column reaches the container's right edge. */
.cfm-footer .cfm-footer-cols { justify-content: space-between; }
.cfm-footer a { color: #C7D2FF; text-decoration: none; }
.cfm-footer a:hover { color: #fff; }
.cfm-footer h4 { color: #fff; font-family: var(--wp--preset--font-family--body); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 0.9rem; }
/* Keep list bullets inside the column instead of hanging into the page edge */
.cfm-footer ul.wp-block-list { padding-left: 1.2rem !important; margin: 0; }
.cfm-footer ul.wp-block-list li { margin-bottom: 0.35rem; }
.cfm-footer p, .cfm-footer li { color: #B8C0D4; }
.cfm-footer .cfm-footer-logo img { height: 88px; width: auto; }
.cfm-footer-phone { font-size: 1.45rem; font-weight: 700; color: #fff !important; font-family: var(--wp--preset--font-family--display); }
.cfm-footer-legal { border-top: 1px solid rgba(255,255,255,0.12); font-size: 0.9rem; }
.cfm-footer-legal p { color: #C4CCE0; }
.cfm-footer-legal a { color: #fff; font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.cfm-footer-legal a:hover { color: var(--wp--preset--color--sky); }
/* Ready chip for a future reinsurer/affiliation logo (client to supply artwork) */
.cfm-affil-chip {
	background: #fff;
	border-radius: 8px;
	padding: 0.7rem 1rem;
	display: inline-block;
	color: var(--wp--preset--color--ink);
}

/* ---------- Page-header bands ---------- */
.cfm-pageband { min-height: 280px; }
/* Deepen the photo overlay so titles read over busy imagery */
.cfm-pageband .wp-block-cover__background { opacity: 0.74 !important; }
.cfm-pageband h1 {
	color: #fff;
	margin: 0;
	font-size: clamp(2.3rem, 4.5vw, 3.2rem);
	letter-spacing: 0.01em;
	text-shadow: 0 2px 22px rgba(10, 18, 38, 0.55);
}
.cfm-pageband h1::after {
	content: "";
	display: block;
	width: 64px;
	height: 3px;
	background: var(--wp--preset--color--periwinkle);
	margin: 0.9rem auto 0;
	border-radius: 2px;
}
.cfm-pageband p {
	color: #EEF2FE;
	font-size: 1.1rem;
	font-weight: 500;
	margin-top: 0.9rem;
	text-shadow: 0 1px 12px rgba(10, 18, 38, 0.6);
}

/* ---------- Utility ---------- */
.cfm-rule { border: none; border-top: 3px solid var(--wp--preset--color--periwinkle); width: 64px; margin: 0.4rem 0 1rem; }
.cfm-center .cfm-rule { margin-left: auto; margin-right: auto; }
.cfm-shadow-img img { border-radius: 12px; box-shadow: 0 10px 30px rgba(15,27,51,0.18); }

/* Equal-height cards inside columns without height:100% overflow trap */
.wp-block-column:has(> .cfm-card:only-child) { display: flex; }
.wp-block-column:has(> .cfm-card:only-child) .cfm-card { flex: 1 1 auto; height: auto; }

@media (max-width: 781px) {
	.cfm-logo img { height: 56px; }
	.cfm-topline { font-size: 0.78rem; }
	.cfm-pay-btn a.wp-block-button__link { padding: 0.5rem 0.9rem; font-size: 0.85rem; }
	.cfm-footer .cfm-footer-logo img { height: 68px; }
}