/* HBK Insurance Group — Main Stylesheet v2.0 */
/* Fonts: Oswald (headings) + Lato (body) */

/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Lato', sans-serif; color: #1f2937; background: #fff; line-height: 1.6; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; }

/* ── VARIABLES ── */
:root {
  --navy:      #0A192F;
  --navy-dark: #0d2347;
  --green:     #4CAF50;
  --green-dk:  #388E3C;
  --seafoam:   #9FE2BF;
  --light-bg:  #f0f4ff;
  --border:    #e5e7eb;
  --text:      #374151;
  --muted:     #6b7280;
}

/* ── LAYOUT ── */
.hbk-container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.hbk-narrow    { max-width: 56rem; margin: 0 auto; }
.hbk-section   { padding: 5rem 0; }
.hbk-two-col   { display: grid; grid-template-columns: 1fr; gap: 3rem; align-items: start; }
@media (min-width: 1024px) { .hbk-two-col { grid-template-columns: 1fr 1fr; } }
.hbk-grid-2 { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
.hbk-grid-3 { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
.hbk-grid-4 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.hbk-grid-5 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (min-width: 640px)  { .hbk-grid-5 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 768px)  { .hbk-grid-2 { grid-template-columns: repeat(2, 1fr); } .hbk-grid-3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .hbk-grid-4 { grid-template-columns: repeat(4, 1fr); } .hbk-grid-5 { grid-template-columns: repeat(5, 1fr); } }
.hbk-contact-layout { display: grid; grid-template-columns: 1fr; gap: 2rem; }
@media (min-width: 1024px) { .hbk-contact-layout { grid-template-columns: 1.5fr 1fr; } }
.hbk-city-layout { display: grid; grid-template-columns: 1fr; gap: 2rem; }
@media (min-width: 1024px) { .hbk-city-layout { grid-template-columns: 1fr 320px; } }

/* ── BACKGROUNDS ── */
.hbk-bg-white  { background: #fff; }
.hbk-bg-light  { background: var(--light-bg); }
.hbk-bg-navy   { background: var(--navy); }
.hbk-bg-dark   { background: var(--navy-dark); }

/* ── TYPOGRAPHY ── */
.hbk-section-label  { font-family: 'Oswald', sans-serif; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--green); margin-bottom: 0.75rem; }
.hbk-green-label    { color: var(--seafoam); }
.hbk-section-title  { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: clamp(1.5rem, 3vw, 2.5rem); color: var(--navy); text-transform: uppercase; letter-spacing: 0.03em; line-height: 1.1; margin-bottom: 1rem; }
.hbk-white-title    { color: #fff; }
.hbk-section-desc   { color: var(--muted); max-width: 42rem; margin: 0 auto; }
.hbk-section-header { text-align: center; margin-bottom: 3rem; }

/* ── BUTTONS ── */
.hbk-btn { display: inline-flex; align-items: center; gap: 0.5rem; font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 0.875rem; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.75rem 1.5rem; border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s; }
.hbk-btn:active { transform: scale(0.97); }
.hbk-btn-green        { background: var(--green); color: #fff; border-color: var(--green); }
.hbk-btn-green:hover  { background: var(--green-dk); border-color: var(--green-dk); }
.hbk-btn-navy         { background: var(--navy); color: #fff; border-color: var(--navy); }
.hbk-btn-navy:hover   { background: var(--navy-dark); }
.hbk-btn-outline-white { background: transparent; color: #fff; border-color: #fff; }
.hbk-btn-outline-white:hover { background: rgba(255,255,255,0.1); }
.hbk-btn-outline-navy  { background: transparent; color: var(--navy); border-color: var(--navy); }
.hbk-btn-outline-navy:hover { background: var(--navy); color: #fff; }

/* ── HEADER ── */
#hbk-header { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; transition: background 0.3s, box-shadow 0.3s; }
.hbk-header-transparent { background: rgba(10,25,47,0.85); backdrop-filter: blur(8px); }
.hbk-header-solid, #hbk-header.scrolled { background: var(--navy); box-shadow: 0 2px 16px rgba(0,0,0,0.2); }
.hbk-nav-wrap { display: flex; align-items: center; justify-content: space-between; padding: 0.75rem 1.5rem; max-width: 1280px; margin: 0 auto; }
.hbk-logo-link { display: flex; align-items: center; gap: 0.75rem; }
.hbk-logo-img  { width: 52px; height: 52px; border-radius: 50%; object-fit: contain; flex-shrink: 0; }
.hbk-logo-text { display: flex; flex-direction: column; }
.hbk-logo-name { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1rem; color: #fff; letter-spacing: 0.06em; text-transform: uppercase; line-height: 1.1; }
.hbk-logo-tag  { font-size: 0.625rem; color: var(--seafoam); letter-spacing: 0.1em; text-transform: uppercase; }
.hbk-nav-desktop { display: none; align-items: center; gap: 1.5rem; }
@media (min-width: 1024px) { .hbk-nav-desktop { display: flex; } }
.hbk-nav-link  { font-family: 'Oswald', sans-serif; font-size: 0.875rem; font-weight: 600; color: rgba(255,255,255,0.85); letter-spacing: 0.06em; text-transform: uppercase; transition: color 0.2s; background: none; border: none; padding: 0; }
.hbk-nav-link:hover { color: var(--seafoam); }
.hbk-nav-cta   { display: none; }
@media (min-width: 1024px) { .hbk-nav-cta { display: inline-flex; align-items: center; gap: 0.5rem; background: var(--green); color: #fff; font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 0.8125rem; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.625rem 1.25rem; } }
/* Dropdown */
.hbk-dropdown { position: relative; }
.hbk-dropdown-btn { cursor: pointer; }
.hbk-dropdown-menu { display: none; position: absolute; top: 100%; left: 0; background: var(--navy-dark); min-width: 200px; padding: 0.5rem 0; box-shadow: 0 8px 24px rgba(0,0,0,0.3); z-index: 100; max-height: 400px; overflow-y: auto; }
.hbk-dropdown:hover .hbk-dropdown-menu,
.hbk-dropdown-btn[aria-expanded="true"] + .hbk-dropdown-menu { display: block; }
.hbk-dropdown-item { display: block; padding: 0.5rem 1.25rem; font-size: 0.875rem; color: rgba(255,255,255,0.8); transition: background 0.15s, color 0.15s; }
.hbk-dropdown-item:hover { background: rgba(76,175,80,0.15); color: var(--seafoam); }
/* Hamburger */
.hbk-hamburger { display: flex; flex-direction: column; gap: 5px; background: none; border: none; padding: 0.5rem; }
@media (min-width: 1024px) { .hbk-hamburger { display: none; } }
.hbk-hamburger span { display: block; width: 24px; height: 2px; background: #fff; transition: transform 0.2s; }
/* Mobile nav */
.hbk-nav-mobile { background: var(--navy-dark); padding: 1rem 1.5rem 1.5rem; border-top: 1px solid rgba(255,255,255,0.1); }
.hbk-nav-mobile[hidden] { display: none; }
.hbk-mobile-link { display: block; padding: 0.625rem 0; font-family: 'Oswald', sans-serif; font-size: 1rem; color: rgba(255,255,255,0.85); letter-spacing: 0.06em; text-transform: uppercase; border-bottom: 1px solid rgba(255,255,255,0.07); }
.hbk-mobile-cities-label { font-family: 'Oswald', sans-serif; font-size: 0.75rem; color: var(--seafoam); letter-spacing: 0.14em; text-transform: uppercase; margin: 0.75rem 0 0.5rem; }
.hbk-mobile-cities-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.375rem; margin-bottom: 0.75rem; }
.hbk-mobile-city { font-size: 0.875rem; color: rgba(255,255,255,0.7); padding: 0.25rem 0; }

/* ── HERO ── */
.hbk-hero { position: relative; min-height: 100vh; display: flex; align-items: center; overflow: hidden; }
.hbk-hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; }
.hbk-hero-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(10,25,47,0.92) 0%, rgba(10,25,47,0.7) 60%, rgba(10,25,47,0.4) 100%); }
.hbk-hero-content { position: relative; z-index: 2; padding-top: 5rem; padding-bottom: 4rem; max-width: 700px; }
.hbk-hero-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(76,175,80,0.2); border: 1px solid rgba(76,175,80,0.4); color: var(--seafoam); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; padding: 0.375rem 1rem; margin-bottom: 1.5rem; }
.hbk-hero-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: clamp(2rem, 5vw, 4rem); color: #fff; text-transform: uppercase; letter-spacing: 0.03em; line-height: 1.05; margin-bottom: 1rem; }
.hbk-hero-title span { color: var(--green); }
.hbk-hero-sub { font-size: 1.125rem; color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 0.75rem; }
.hbk-hero-btns { display: flex; flex-wrap: wrap; gap: 1rem; margin: 1.5rem 0; }
.hbk-hero-trust { display: flex; flex-wrap: wrap; gap: 1.5rem; }
.hbk-hero-trust span { font-size: 0.875rem; color: rgba(255,255,255,0.75); display: flex; align-items: center; gap: 0.375rem; }

/* ── PAGE HERO ── */
.hbk-page-hero { padding: 7rem 0 4rem; }
.hbk-page-hero-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: clamp(1.75rem, 4vw, 3rem); color: #fff; text-transform: uppercase; letter-spacing: 0.03em; line-height: 1.1; margin-bottom: 1rem; }
.hbk-page-hero-desc { color: rgba(255,255,255,0.75); font-size: 1rem; line-height: 1.7; max-width: 42rem; }

/* ── FACEBOOK BANNER ── */
.hbk-fb-banner-wrap { border-radius: 0.5rem; overflow: hidden; box-shadow: 0 4px 24px rgba(10,25,47,0.12); }
.hbk-fb-banner { width: 100%; max-height: 280px; object-fit: cover; object-position: center; }

/* ── CARDS ── */
.hbk-card { background: #fff; border: 1px solid var(--border); padding: 1.5rem; display: flex; flex-direction: column; transition: box-shadow 0.2s; }
.hbk-card:hover { box-shadow: 0 4px 16px rgba(10,25,47,0.1); }
.hbk-card-icon { font-size: 2rem; margin-bottom: 0.75rem; }
.hbk-card-title { font-family: 'Oswald', sans-serif; font-weight: 600; font-size: 1rem; color: var(--navy); text-transform: uppercase; margin-bottom: 0.5rem; }
.hbk-card-desc { color: var(--muted); font-size: 0.875rem; line-height: 1.6; flex: 1; }
.hbk-card-link { color: var(--green); font-weight: 700; font-size: 0.875rem; margin-top: 1rem; display: inline-flex; align-items: center; gap: 0.25rem; }

/* ── CTA BANNER ── */
.hbk-cta-banner { display: flex; flex-direction: column; gap: 1.5rem; padding: 2rem; }
@media (min-width: 768px) { .hbk-cta-banner { flex-direction: row; align-items: center; justify-content: space-between; } }
.hbk-cta-btns { display: flex; flex-wrap: wrap; gap: 0.75rem; flex-shrink: 0; }

/* ── REASON ROWS ── */
.hbk-reason-row { display: flex; align-items: flex-start; gap: 1rem; margin-bottom: 1.25rem; }
.hbk-reason-dot { width: 2rem; height: 2rem; background: rgba(76,175,80,0.15); color: var(--green); font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 0.125rem; }

/* ── OFFICE IMAGE ── */
.hbk-office-img { width: 100%; border-radius: 0.5rem; object-fit: cover; max-height: 400px; box-shadow: 0 8px 32px rgba(10,25,47,0.15); margin-bottom: 1.5rem; }

/* ── STATS BOX ── */
.hbk-stats-box { background: var(--navy); padding: 1.5rem; }
.hbk-stats-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 0.75rem; color: var(--seafoam); letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 1rem; }
.hbk-stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.hbk-stat-val { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.5rem; color: var(--green); }
.hbk-stat-lbl { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-top: 0.125rem; }

/* ── CITY CARDS ── */
.hbk-city-card-link:hover .hbk-city-card { background: var(--navy); }
.hbk-city-card { background: var(--navy-dark); padding: 1.25rem; text-align: center; min-height: 6rem; display: flex; flex-direction: column; justify-content: center; transition: background 0.2s; }
.hbk-city-county { font-size: 0.7rem; color: var(--seafoam); font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 0.375rem; }
.hbk-city-name { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.0625rem; color: #fff; text-transform: uppercase; letter-spacing: 0.04em; }

/* ── TESTIMONIALS ── */
.hbk-testimonial { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); padding: 1.75rem; }
.hbk-stars { color: #fbbf24; font-size: 1.125rem; margin-bottom: 1rem; }
.hbk-testimonial-text { color: rgba(255,255,255,0.85); font-style: italic; line-height: 1.7; margin-bottom: 1.25rem; }
.hbk-testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.hbk-testimonial-avatar { width: 2.5rem; height: 2.5rem; background: var(--green); color: #fff; font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.125rem; display: flex; align-items: center; justify-content: center; border-radius: 50%; flex-shrink: 0; }
.hbk-testimonial-name { font-family: 'Oswald', sans-serif; font-weight: 600; color: #fff; font-size: 0.9375rem; }
.hbk-testimonial-city { font-size: 0.8125rem; color: var(--seafoam); }

/* ── FAQ ── */
.hbk-faq-list { display: flex; flex-direction: column; gap: 0; }
.hbk-faq-item { border-bottom: 1px solid var(--border); }
.hbk-faq-q { width: 100%; text-align: left; padding: 1.125rem 0; font-family: 'Oswald', sans-serif; font-weight: 600; font-size: 1rem; color: var(--navy); text-transform: uppercase; letter-spacing: 0.02em; background: none; border: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.hbk-faq-q:hover { color: var(--green); }
.hbk-faq-icon { font-size: 1.25rem; font-weight: 400; flex-shrink: 0; }
.hbk-faq-a { padding: 0 0 1rem; color: var(--text); line-height: 1.7; font-size: 0.9375rem; }
.hbk-faq-a[hidden] { display: none; }

/* ── FOOTER ── */
#hbk-footer { background: var(--navy-dark); color: rgba(255,255,255,0.75); }
.hbk-footer-cta { background: var(--navy); padding: 2rem 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.hbk-footer-cta-inner { display: flex; flex-direction: column; gap: 1.5rem; }
@media (min-width: 768px) { .hbk-footer-cta-inner { flex-direction: row; align-items: center; justify-content: space-between; } }
.hbk-footer-cta-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.25rem; color: #fff; text-transform: uppercase; letter-spacing: 0.04em; }
.hbk-footer-cta-sub { color: rgba(255,255,255,0.65); font-size: 0.875rem; margin-top: 0.25rem; }
.hbk-footer-cta-btns { display: flex; flex-wrap: wrap; gap: 0.75rem; flex-shrink: 0; }
.hbk-footer-main { padding: 3rem 0; }
.hbk-footer-grid { display: grid; grid-template-columns: 1fr; gap: 2.5rem; }
@media (min-width: 640px) { .hbk-footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .hbk-footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }
.hbk-footer-logo { width: 80px; height: 80px; border-radius: 50%; object-fit: contain; margin-bottom: 1rem; }
.hbk-footer-desc { font-size: 0.875rem; color: rgba(255,255,255,0.6); line-height: 1.7; margin-bottom: 1.25rem; }
.hbk-footer-contact { display: flex; flex-direction: column; gap: 0.5rem; font-size: 0.875rem; }
.hbk-footer-contact a { color: rgba(255,255,255,0.75); }
.hbk-footer-contact a:hover { color: var(--seafoam); }
.hbk-footer-heading { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 0.875rem; color: #fff; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 1rem; }
.hbk-footer-list { display: flex; flex-direction: column; gap: 0.5rem; }
.hbk-footer-list a { font-size: 0.875rem; color: rgba(255,255,255,0.6); transition: color 0.15s; }
.hbk-footer-list a:hover { color: var(--seafoam); }
.hbk-hours-list { display: flex; flex-direction: column; gap: 0.375rem; }
.hbk-hours-row { display: flex; justify-content: space-between; font-size: 0.875rem; }
.hbk-hours-day { color: rgba(255,255,255,0.75); }
.hbk-hours-time { color: var(--seafoam); font-weight: 600; }
.hbk-social-row { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 0.75rem; }
.hbk-social-icon { width: 2.25rem; height: 2.25rem; background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.8); display: flex; align-items: center; justify-content: center; font-size: 0.625rem; font-weight: 700; font-family: 'Oswald', sans-serif; letter-spacing: 0.04em; transition: background 0.15s; }
.hbk-social-icon:hover { background: var(--green); color: #fff; }
.hbk-social-placeholder { opacity: 0.45; }
.hbk-footer-bottom { background: rgba(0,0,0,0.3); padding: 1rem 0; font-size: 0.8125rem; color: rgba(255,255,255,0.45); text-align: center; }

/* ── MOBILE PHONE BUTTON ── */
.hbk-mobile-phone { position: fixed; bottom: 1.5rem; left: 1rem; z-index: 40; }
@media (min-width: 1024px) { .hbk-mobile-phone { display: none; } }
.hbk-mobile-phone-btn { border-radius: 9999px; box-shadow: 0 4px 16px rgba(76,175,80,0.4); font-size: 0.8125rem; padding: 0.75rem 1.25rem; }

/* ── CITY HERO ── */
.hbk-city-hero { position: relative; min-height: 50vh; display: flex; align-items: flex-end; background-size: cover; background-position: center; padding-bottom: 3rem; }
.hbk-city-hero-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(10,25,47,0.95) 0%, rgba(10,25,47,0.6) 60%, rgba(10,25,47,0.3) 100%); }
.hbk-city-hero-content { position: relative; z-index: 2; padding-top: 5rem; width: 100%; }
.hbk-back-link { display: inline-flex; align-items: center; gap: 0.5rem; color: var(--seafoam); font-size: 0.875rem; font-weight: 600; margin-bottom: 1rem; }
.hbk-city-county-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(76,175,80,0.2); border: 1px solid rgba(76,175,80,0.4); color: var(--seafoam); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; padding: 0.375rem 1rem; margin-bottom: 0.75rem; }
.hbk-city-hero-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: clamp(2rem, 5vw, 3.5rem); color: #fff; text-transform: uppercase; letter-spacing: 0.03em; line-height: 1.05; margin-bottom: 0.5rem; }
.hbk-city-hero-tagline { font-style: italic; color: rgba(255,255,255,0.75); font-size: 1.125rem; margin-bottom: 1.25rem; }
.hbk-city-badges { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.hbk-badge { background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25); color: #fff; font-family: 'Oswald', sans-serif; font-size: 0.75rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.375rem 0.875rem; transition: background 0.15s; }
.hbk-badge:hover { background: rgba(76,175,80,0.3); border-color: var(--green); color: var(--seafoam); }

/* ── CITY SIDEBAR ── */
.hbk-sidebar-card { background: var(--navy); padding: 1.75rem; color: #fff; }
.hbk-sidebar-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.125rem; color: #fff; text-transform: uppercase; letter-spacing: 0.06em; }
.hbk-sidebar-sub { color: var(--seafoam); font-size: 0.875rem; margin-top: 0.25rem; margin-bottom: 0.5rem; }
.hbk-sidebar-contact-item { display: flex; align-items: center; gap: 0.5rem; color: rgba(255,255,255,0.75); font-size: 0.875rem; }
.hbk-sidebar-contact-item:hover { color: var(--seafoam); }
.hbk-sidebar-section { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1rem; margin-top: 1rem; }
.hbk-sidebar-label { font-size: 0.7rem; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.12em; font-weight: 700; margin-bottom: 0.375rem; }
.hbk-sidebar-val { font-size: 0.875rem; color: rgba(255,255,255,0.75); }
.hbk-zip-tags { display: flex; flex-wrap: wrap; gap: 0.375rem; }
.hbk-zip-tag { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.7); font-size: 0.75rem; padding: 0.2rem 0.625rem; }

/* ── LOCAL BOX ── */
.hbk-local-box { background: var(--light-bg); border-left: 4px solid var(--green); padding: 1.25rem 1.5rem; margin-bottom: 2rem; }
.hbk-local-box h3 { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 0.875rem; color: var(--navy); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.5rem; }

/* ── COVERAGE ITEMS ── */
.hbk-coverage-item { display: flex; align-items: flex-start; gap: 1rem; padding: 1.25rem; border: 1px solid var(--border); background: #fff; }
.hbk-coverage-icon { font-size: 1.5rem; flex-shrink: 0; }
.hbk-coverage-name { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1rem; color: var(--navy); text-transform: uppercase; }
.hbk-coverage-sub { font-size: 0.8125rem; color: var(--muted); margin-top: 0.125rem; }

/* ── COVERAGE CARDS ── */
.hbk-coverage-card { background: #f9fafb; border: 1px solid var(--border); padding: 1.75rem; }
.hbk-coverage-card-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.25rem; color: var(--navy); text-transform: uppercase; margin-bottom: 0.25rem; }
.hbk-coverage-card-sub { font-style: italic; color: var(--muted); font-size: 0.875rem; margin-bottom: 0.75rem; }
.hbk-coverage-card-desc { color: var(--text); font-size: 0.875rem; line-height: 1.7; margin-bottom: 1rem; }
.hbk-feature-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.375rem; }
.hbk-feature-list li { font-size: 0.8125rem; color: var(--text); }

/* ── FORM ── */
.hbk-form-box { background: #fff; border: 1px solid var(--border); padding: 2rem; box-shadow: 0 1px 8px rgba(0,0,0,0.06); }
.hbk-form-group { display: flex; flex-direction: column; gap: 0.375rem; margin-bottom: 1.25rem; }
.hbk-form-label { font-family: 'Oswald', sans-serif; font-weight: 600; font-size: 0.8125rem; color: var(--navy); text-transform: uppercase; letter-spacing: 0.06em; }
.hbk-form-input, .hbk-form-select, .hbk-form-textarea { width: 100%; border: 1px solid var(--border); padding: 0.75rem 1rem; font-size: 0.9375rem; font-family: 'Lato', sans-serif; color: var(--text); background: #fff; }
.hbk-form-input:focus, .hbk-form-select:focus, .hbk-form-textarea:focus { outline: 2px solid var(--navy); outline-offset: 0; }
.hbk-form-textarea { min-height: 120px; resize: vertical; }
.hbk-form-row-2 { display: grid; grid-template-columns: 1fr; gap: 1.25rem; }
@media (min-width: 640px) { .hbk-form-row-2 { grid-template-columns: 1fr 1fr; } }
.hbk-why-call-box { background: var(--light-bg); border: 1px solid #c7d2fe; padding: 1.5rem; }

/* ── RISK CARDS ── */
.hbk-risk-card { background: #f9fafb; border: 1px solid var(--border); padding: 1.75rem; }
.hbk-risk-title { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 1.125rem; color: var(--navy); text-transform: uppercase; margin-bottom: 1rem; }
.hbk-risk-label { font-family: 'Oswald', sans-serif; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 0.375rem; margin-top: 0.75rem; }
.hbk-risk-label-navy { color: var(--navy); }
.hbk-risk-label-green { color: var(--green); }
.hbk-risk-text { font-size: 0.875rem; color: var(--text); line-height: 1.65; margin-bottom: 0.5rem; }

/* ── STAT CARDS ── */
.hbk-stat-card { background: #fff; border: 1px solid var(--border); padding: 1.5rem; text-align: center; }
.hbk-stat-val-lg { font-family: 'Oswald', sans-serif; font-weight: 700; font-size: 2.5rem; color: var(--navy); }
.hbk-stat-lbl-lg { font-size: 0.875rem; color: var(--muted); margin-top: 0.375rem; }

/* ── PRINT ── */
@media print { #hbk-header, .hbk-mobile-phone, .hbk-footer-cta { display: none; } }