/* Shared styles for /insurance.html and /installations.html (Andrew Nelson inquiry pages). Navy + gold + champagne only. */
.iq{--g:#FFC72C;--gl:#FFD54F;--ch:#F3E5C0;--n1:#0B1E3A;--n2:#13294B;--n3:#1B3560;--ink:#F7F9FC;--ink2:#D6E4F5;--bad:#FFB4B4;color:var(--ink)}
.iq .wrap{max-width:1180px}
.iq-sec{padding:3.2rem 0;scroll-margin-top:1rem}
.iq-eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.82rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gl);margin:0 0 .8rem}
.iq-eyebrow::before{content:"";width:2.2rem;height:2px;background:linear-gradient(90deg,var(--g),transparent)}
.iq h1,.iq h2{font-family:"Playfair Display",Georgia,"Times New Roman",serif;font-weight:600;line-height:1.12;color:#fff;margin:0 0 1rem}
.iq h1{font-size:clamp(2.3rem,5.4vw,4rem)}.iq h2{font-size:clamp(1.8rem,3.6vw,2.6rem)}
.iq h1 em,.iq h2 em{font-style:italic;color:var(--g);background:linear-gradient(135deg,#FFE58A,#FFC72C 45%,#F5B800);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.iq h3{font-size:1.25rem;color:#fff;margin:.2rem 0 .5rem}
.iq p,.iq li{color:var(--ink2);max-width:68ch}
.iq a{color:var(--gl)}
.iq-lead{font-size:1.2rem;color:var(--ink)!important}
.iq-rule{width:5rem;height:4px;border-radius:2px;background:linear-gradient(90deg,#FFE58A,#FFC72C,#F5B800);margin:1.4rem 0}
/* Hero */
.iq-hero{position:relative;isolation:isolate;overflow:hidden;margin-top:1.4rem;border-radius:28px;border:1px solid rgba(255,213,79,.45);
  background:radial-gradient(60% 80% at 100% 0%,rgba(255,199,44,.20),transparent 60%),radial-gradient(50% 70% at 0% 100%,rgba(91,140,210,.22),transparent 65%),linear-gradient(140deg,#13294B 0%,#0B1E3A 60%,#0E2547 100%);
  box-shadow:0 30px 80px rgba(0,0,0,.45),inset 0 1px 0 rgba(255,229,138,.25);padding:clamp(1.6rem,4vw,3.4rem)}
.iq-hero::after{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,transparent,#FFC72C 20%,#FFE58A 50%,#FFC72C 80%,transparent);z-index:1}
.iq-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(1.4rem,4vw,3rem);align-items:center}
.iq-brand{display:flex;align-items:center;gap:.9rem;margin-bottom:1.6rem}
.iq-mono{display:grid;place-items:center;width:56px;height:56px;border-radius:50%;border:2px solid var(--g);color:var(--g);font-family:Georgia,serif;font-size:1.25rem;font-weight:700;letter-spacing:.04em;background:rgba(11,30,58,.7);flex:0 0 auto}
.iq-brand b{display:block;color:#fff;letter-spacing:.14em;font-size:1rem}.iq-brand small{display:block;color:var(--ch);letter-spacing:.12em;font-size:.78rem;font-weight:700}
.iq-cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.iq-btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;min-height:60px;padding:.8rem 1.6rem;border-radius:16px;font:inherit;font-size:1.08rem;font-weight:800;text-decoration:none;cursor:pointer;border:2px solid var(--g);background:linear-gradient(135deg,#FFE58A,#FFC72C 50%,#F5B800);color:#0B1E3A!important;box-shadow:0 10px 28px rgba(255,199,44,.25)}
.iq-btn:hover{filter:brightness(1.06)}
.iq-btn.ghost{background:rgba(11,30,58,.55);color:var(--gl)!important;box-shadow:none}
.iq-btn svg{width:22px;height:22px;flex:0 0 auto}
.iq-btn[disabled]{opacity:.65;cursor:wait}
.iq-chips{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.4rem;padding:0;list-style:none}
.iq-chips li{display:inline-flex;align-items:center;gap:.5rem;padding:.45rem .95rem;border-radius:999px;border:1px solid rgba(255,213,79,.5);background:rgba(11,30,58,.6);color:var(--ch);font-weight:700;font-size:.95rem}
.iq-chips svg{width:18px;height:18px;color:var(--g)}
.iq-panel{border-radius:22px;border:1px solid rgba(255,213,79,.35);background:linear-gradient(160deg,rgba(27,53,96,.85),rgba(11,30,58,.92));padding:1.5rem}
.iq-hero-img{position:relative;margin:0;border-radius:22px;overflow:hidden;border:1px solid rgba(255,213,79,.45);box-shadow:0 24px 60px rgba(0,0,0,.45)}
.iq-hero-img img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.iq-tag{position:absolute;left:.8rem;bottom:.8rem;padding:.3rem .75rem;border-radius:999px;background:rgba(11,30,58,.9);border:1px solid var(--g);color:var(--gl);font-size:.8rem;font-weight:800;letter-spacing:.04em}
/* Steps */
.iq-steps{display:grid;gap:.9rem;margin:0;padding:0;list-style:none;counter-reset:s}
.iq-steps li{display:grid;grid-template-columns:auto 1fr;gap:1rem;align-items:start;max-width:none}
.iq-num{display:grid;place-items:center;width:46px;height:46px;border-radius:14px;background:rgba(255,199,44,.12);border:1px solid rgba(255,213,79,.6);color:var(--g);font-weight:800;font-size:1rem}
.iq-steps h3{font-size:1.08rem;margin:.1rem 0 .2rem}.iq-steps p{margin:0;font-size:.98rem}
.iq-steps.row{grid-template-columns:repeat(3,1fr)}
.iq-steps.row li{background:rgba(19,41,75,.75);border:1px solid rgba(255,213,79,.3);border-radius:18px;padding:1.1rem}
/* Notices */
.iq-note{display:flex;gap:.8rem;align-items:flex-start;padding:1rem 1.1rem;border-radius:16px;border:1px solid rgba(255,213,79,.55);background:rgba(255,199,44,.08);color:var(--ch);margin:1.2rem 0 0;max-width:none}
.iq-note svg{width:24px;height:24px;color:var(--g);flex:0 0 auto;margin-top:.15rem}.iq-note p{margin:0;color:var(--ch)}
.iq-fine{font-size:.95rem;color:var(--ink2)}
.iq-review{display:inline-block;margin-top:.8rem;font-size:.85rem;letter-spacing:.06em;color:var(--ch);opacity:.85}
/* Cards grid */
.iq-head{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:end;margin-bottom:2rem}.iq-head p{margin:0}
.iq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.iq-grid.four{grid-template-columns:repeat(2,1fr)}
.iq-card{position:relative;display:flex;flex-direction:column;border-radius:22px;border:1px solid rgba(255,213,79,.35);background:linear-gradient(165deg,rgba(27,53,96,.9),rgba(13,34,64,.95));padding:1.5rem;box-shadow:0 14px 40px rgba(0,0,0,.3);transition:transform .3s,border-color .3s,box-shadow .3s}
@media(hover:hover){.iq-card:hover{transform:translateY(-4px);border-color:rgba(255,213,79,.85);box-shadow:0 24px 60px rgba(0,0,0,.4)}}
@media(prefers-reduced-motion:reduce){.iq-card,.iq-card:hover{transition:none;transform:none}}
.iq-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:1rem}
.iq-ico{display:grid;place-items:center;width:60px;height:60px;border-radius:18px;background:linear-gradient(135deg,rgba(255,229,138,.22),rgba(255,199,44,.08));border:1px solid rgba(255,213,79,.6);color:var(--g)}
.iq-ico svg{width:30px;height:30px}
.iq-idx{font-family:Georgia,serif;font-size:1.6rem;color:rgba(255,213,79,.55)}
.iq-card ul{padding-left:0;list-style:none;margin:.4rem 0 1.2rem}
.iq-card li{position:relative;padding-left:1.6rem;margin:.45rem 0}
.iq-card li::before{content:"";position:absolute;left:0;top:.62em;width:.7rem;height:.7rem;border-radius:50%;border:2px solid var(--g)}
.iq-card .iq-link{margin-top:auto;display:inline-flex;align-items:center;gap:.4rem;font-weight:800;color:var(--gl);text-decoration:none;min-height:48px;font-size:1.05rem}
.iq-card .iq-link:hover{text-decoration:underline}
.iq-card .iq-link svg{width:18px;height:18px}
.iq-svc{padding:0;overflow:hidden}
.iq-svc figure{position:relative;margin:0}.iq-svc img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.iq-svc .iq-body{padding:1.3rem 1.5rem 1.5rem;display:flex;flex-direction:column;flex:1}
.iq-svc .iq-card-top{margin-bottom:.4rem}.iq-svc .iq-ico{width:52px;height:52px}
/* Partner band */
.iq-band{display:grid;grid-template-columns:1.4fr .6fr;gap:2rem;align-items:center;border-radius:26px;padding:clamp(1.5rem,4vw,2.8rem);border:1px solid rgba(255,213,79,.5);
  background:radial-gradient(60% 120% at 100% 50%,rgba(255,199,44,.18),transparent 60%),linear-gradient(135deg,#1B3560,#0B1E3A)}
.iq-band .iq-btn{justify-self:end}
/* Form */
.iq-form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(1.4rem,4vw,3rem);align-items:start}
.iq-aside{position:sticky;top:1.2rem}
.iq-form{border-radius:26px;border:1px solid rgba(255,213,79,.55);background:linear-gradient(165deg,#13294B,#0E2244);padding:clamp(1.2rem,3vw,2.2rem);box-shadow:0 30px 80px rgba(0,0,0,.45);scroll-margin-top:1rem}
.iq-form h2{font-size:clamp(1.6rem,3vw,2.1rem);margin-bottom:.3rem}
.iq-progress{margin:1rem 0 1.4rem}
.iq-progress-lbl{display:flex;justify-content:space-between;font-size:.9rem;font-weight:700;color:var(--ch);margin-bottom:.4rem}
.iq-bar{height:10px;border-radius:999px;background:rgba(143,166,198,.25);overflow:hidden;border:1px solid rgba(255,213,79,.25)}
.iq-bar span{display:block;height:100%;width:0;border-radius:999px;background:linear-gradient(90deg,#F5B800,#FFC72C,#FFE58A);transition:width .4s}
@media(prefers-reduced-motion:reduce){.iq-bar span{transition:none}}
.iq-seg{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;padding:.4rem;border-radius:18px;background:rgba(11,30,58,.8);border:1px solid rgba(255,213,79,.35);margin:0 0 1.2rem}
.iq-seg label,.iq-choice label{position:relative;margin:0}
.iq-seg input,.iq-choice input{position:absolute;opacity:0;width:1px;height:1px}
.iq-seg span{display:flex;align-items:center;justify-content:center;gap:.5rem;min-height:56px;border-radius:14px;font-weight:800;color:var(--ch);cursor:pointer;text-align:center;padding:0 .5rem}
.iq-seg input:checked+span{background:linear-gradient(135deg,#FFE58A,#FFC72C 50%,#F5B800);color:#0B1E3A}
.iq-seg input:focus-visible+span,.iq-choice input:focus-visible+span,.iq-check input:focus-visible+span{outline:4px solid var(--gl);outline-offset:3px}
.iq-seg svg{width:20px;height:20px}
.iq fieldset.iq-group{border:0;border-top:1px solid rgba(255,213,79,.25);margin:0;padding:1.1rem 0 .4rem;background:none!important;box-shadow:none!important}
.iq fieldset.iq-group:first-of-type{border-top:0;padding-top:0}
.iq-group legend{display:flex;align-items:center;gap:.6rem;font-weight:800;color:var(--gl);font-size:1.02rem;padding:0;margin-bottom:.6rem}
.iq-group legend span{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:rgba(255,199,44,.15);border:1px solid var(--g);font-size:.9rem}
.iq-fields{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}
.iq-f{display:block;margin:0 0 .9rem}.iq-f.wide{grid-column:1/-1}
.iq-f>span{display:block;font-weight:700;color:#fff;margin-bottom:.35rem}
.iq-f>span small{font-weight:600;color:var(--ink2)}
.iq-f abbr{color:var(--g);text-decoration:none}
.iq input:not([type=radio]):not([type=checkbox]),.iq select,.iq textarea{width:100%;max-width:none;min-height:58px;font:inherit;font-size:1.05rem;color:#fff;background:#0B1E3A;border:2px solid #8FA6C6;border-radius:14px;padding:.7rem .95rem;box-sizing:border-box}
.iq textarea{min-height:150px;resize:vertical;line-height:1.5}
.iq select{appearance:none;background-image:url("../images/inquiry/chev.svg");background-repeat:no-repeat;background-position:right .9rem center;background-size:22px;padding-right:2.8rem}
.iq select option{background:#0B1E3A;color:#fff}
.iq input::placeholder,.iq textarea::placeholder{color:#9FB2CC}
.iq input:hover,.iq select:hover,.iq textarea:hover{border-color:var(--gl)}
.iq input:focus,.iq select:focus,.iq textarea:focus{border-color:var(--g);outline:none;box-shadow:0 0 0 4px rgba(255,199,44,.3)}
.iq [aria-invalid=true]{border-color:var(--bad)!important}
.iq-msg{display:block;min-height:0;color:var(--bad);font-weight:700;font-size:.95rem;margin-top:.3rem}
.iq-msg:empty{display:none}
.iq-choice{display:grid;grid-template-columns:1fr 1fr;gap:.7rem;margin-bottom:.9rem}
.iq-choice span{display:flex;align-items:center;gap:.6rem;min-height:60px;padding:.6rem 1rem;border-radius:14px;border:2px solid #8FA6C6;background:#0B1E3A;color:#fff;font-weight:700;cursor:pointer}
.iq-choice svg{width:22px;height:22px;color:var(--g)}
.iq-choice input:checked+span{border-color:var(--g);background:rgba(255,199,44,.14);box-shadow:inset 0 0 0 1px var(--g)}
.iq-check{display:grid;grid-template-columns:auto 1fr;gap:.9rem;align-items:start;padding:1rem;border-radius:16px;border:2px solid rgba(255,213,79,.45);background:rgba(11,30,58,.75);cursor:pointer;margin:.4rem 0 .4rem}
.iq-check input{position:absolute;opacity:0;width:1px;height:1px}
.iq-check>span{position:relative;display:grid;place-items:center;width:32px;height:32px;border-radius:9px;border:2px solid var(--g);background:#0B1E3A;margin-top:.1rem}
.iq-check input:checked+span{background:var(--g)}
.iq-check input:checked+span::after{content:"";width:9px;height:16px;border:solid #0B1E3A;border-width:0 4px 4px 0;transform:rotate(45deg) translate(-1px,-2px)}
.iq-check p{margin:0;color:var(--ink);font-size:1rem}
.iq-hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.iq-alert{padding:.9rem 1rem;border-radius:14px;border:2px solid var(--bad);background:rgba(163,0,0,.18);color:#FFE3E3;font-weight:700;margin:.8rem 0}
.iq-alert:empty{display:none}
.iq-submit{width:100%;margin-top:.8rem;min-height:64px;font-size:1.15rem}
.iq-success{text-align:center;padding:1rem .4rem}
.iq-success .iq-badge{display:grid;place-items:center;width:84px;height:84px;margin:0 auto 1rem;border-radius:50%;background:radial-gradient(circle,rgba(255,199,44,.25),rgba(255,199,44,.05));border:2px solid var(--g);color:var(--g)}
.iq-success .iq-badge svg{width:44px;height:44px}
.iq-success p{margin-left:auto;margin-right:auto}
.iq-receipt{display:grid;gap:.6rem;margin:1.2rem auto;max-width:34rem;text-align:left;padding:1rem;border-radius:16px;border:1px dashed var(--g);background:rgba(11,30,58,.8)}
.iq-receipt code{display:block;overflow-wrap:anywhere;color:var(--ch);font-size:.9rem}
.iq-receipt .iq-btns{display:flex;flex-wrap:wrap;gap:.6rem}
.iq-receipt .iq-btn{min-height:52px;font-size:1rem;padding:.6rem 1.1rem;flex:1 1 12rem}
/* FAQ */
.iq-faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:2.5rem;align-items:start}
.iq-acc details{border-radius:18px;border:1px solid rgba(255,213,79,.35);background:rgba(19,41,75,.8);margin:0 0 .8rem;overflow:hidden}
.iq-acc details[open]{border-color:rgba(255,213,79,.85);background:linear-gradient(165deg,rgba(27,53,96,.95),rgba(13,34,64,.95))}
.iq-acc summary{display:flex;justify-content:space-between;align-items:center;gap:1rem;min-height:64px;padding:.8rem 1.2rem;cursor:pointer;font-weight:800;color:#fff;font-size:1.08rem;list-style:none}
.iq-acc summary::-webkit-details-marker{display:none}
.iq-acc summary::after{content:"";flex:0 0 auto;width:30px;height:30px;border-radius:50%;border:1.5px solid var(--g);background:url("../images/inquiry/plus.svg") center/16px no-repeat;transition:transform .3s}
.iq-acc details[open] summary::after{transform:rotate(45deg)}
@media(prefers-reduced-motion:reduce){.iq-acc summary::after{transition:none}}
.iq-acc .iq-ans{padding:0 1.2rem 1.1rem}.iq-acc .iq-ans p{margin:0}
/* Sticky jump button */
.iq-fab{position:fixed;right:1.2rem;bottom:1.2rem;z-index:40;transition:opacity .3s,transform .3s}
.iq-fab.off{opacity:0;transform:translateY(16px);pointer-events:none}
@media(prefers-reduced-motion:reduce){.iq-fab{transition:none}}
/* Manage panel */
.iq-manage{margin-top:1.4rem}
.iq-status{display:inline-block;padding:.25rem .8rem;border-radius:999px;font-weight:800;border:1px solid var(--g);color:var(--gl)}
.iq-sub{font-size:.95rem}
/* Responsive */
@media(max-width:960px){.iq-hero-grid,.iq-form-wrap,.iq-faq,.iq-head,.iq-band{grid-template-columns:1fr}.iq-aside{position:static}.iq-band .iq-btn{justify-self:start}.iq-grid{grid-template-columns:1fr 1fr}.iq-steps.row{grid-template-columns:1fr}}
@media(max-width:640px){.iq-sec{padding:2.2rem 0}.iq-hero{border-radius:20px;margin-top:.8rem}.iq-grid,.iq-grid.four,.iq-fields,.iq-choice{grid-template-columns:1fr}
  .iq-cta .iq-btn{width:100%}.iq-fab{left:1rem;right:1rem;bottom:.8rem}.iq-fab .iq-btn{width:100%}.iq-form{border-radius:20px}.iq-brand{margin-bottom:1.1rem}}
.iq [hidden]{display:none!important}
.iq-span{grid-column:1/-1}
.iq p.iq-f{margin-bottom:.35rem}
.iq-f small.iq-fine{display:block;text-align:right;margin-top:.25rem;font-size:.85rem}
#iq-f fieldset.iq-group{background:none!important;box-shadow:none!important;border-radius:0;border-color:rgba(255,213,79,.25)!important}
.iq-vip{display:flex;gap:.9rem;align-items:flex-start;margin:0 0 1.2rem;padding:1rem 1.1rem;border-radius:16px;border:2px solid #FFD54F;background:linear-gradient(120deg,rgba(255,213,79,.22),rgba(255,213,79,.06) 60%),#0E2547}
.iq-vip-ic{flex:none;display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:linear-gradient(180deg,#FFE08A,#FFC72C);color:#0B1E3A}
.iq-vip-ic svg{width:26px;height:26px}
.iq-vip-t{margin:0;font:800 1.12rem/1.3 Montserrat,Arial,sans-serif;color:#FFE08A}
.iq-vip-d{margin:.3rem 0 .5rem;color:#F3E5C0;line-height:1.55}
.iq-vip-a{display:inline-flex;align-items:center;gap:.35rem;min-height:44px;font-weight:800;color:#FFD54F}
.iq-vip.is-member{border-style:solid;background:linear-gradient(120deg,rgba(255,213,79,.32),rgba(255,213,79,.1) 60%),#0E2547}
.iq-lic{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem 1rem;padding:.9rem 1.1rem;border-radius:16px;border:1px solid rgba(255,213,79,.55);background:linear-gradient(120deg,rgba(255,213,79,.14),rgba(11,30,58,.85) 60%),#0B1E3A}
.iq-lic p{flex:1 1 280px;margin:0;color:#F3E5C0;line-height:1.5}.iq-lic strong{color:#fff}
.iq-lic-ic{flex:none;display:grid;place-items:center;width:44px;height:44px;border-radius:50%;border:2px solid #FFD54F;color:#FFD54F}.iq-lic-ic svg{width:24px;height:24px}
.iq-lic-a{display:inline-flex;align-items:center;gap:.3rem;min-height:48px;padding:.4rem 1rem;border-radius:999px;border:2px solid #FFD54F;color:#FFD54F;font-weight:800;text-decoration:none}
.iq-lic-a:hover{background:rgba(255,213,79,.12)}
.iq-lic-wrap{margin-top:1.4rem}.iq-lic-band{margin:2rem auto 0;max-width:1100px}