/* pankajbhatia.ca home page – keeps the original skyline hero, navy #111f44 / red #c91f38 look */
:root{--pb-red:#c91f38;--pb-navy:#111f44;--pb-ink:#1f2a44;--pb-muted:#58627c;--pb-line:#e3e6ee}

/* ---------- Hero: skyline background kept, quote card added ---------- */
#hero{padding:3rem 0 5.5rem}
#hero .hb-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr 500px;gap:40px;align-items:center}
#hero .hb-copy{color:#fff}
#hero .hb-h1{margin:0 0 18px;color:#fff;font-weight:700;line-height:1.15}
#hero .hb-l1{display:block;font-size:2.5rem}
#hero .hb-l2{display:block;font-size:2.3rem;margin-top:6px;min-height:2.5em}
#heroType{color:#fff!important;font-weight:700}
#heroType::after{content:"|";animation:hbBlink .7s infinite;margin-left:2px}
@keyframes hbBlink{50%{opacity:0}}
#hero .hb-sub{font-size:1.12rem;line-height:1.6;color:#e7ecf6;max-width:560px;margin:0 0 18px}
#hero .hb-trust{list-style:none;padding:0;margin:0 0 22px;display:flex;flex-wrap:wrap;gap:8px}
#hero .hb-trust li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:30px;padding:6px 13px;font-size:14px;color:#fff}
#hero .hb-trust i{color:#ffcf4a;margin-right:4px}
#hero .hb-actions{display:flex;flex-wrap:wrap;gap:10px}
#hero .hb-actions .btn{font-weight:700;padding:10px 18px;border-radius:6px}
#hero .hb-wa{background:#25d366;border-color:#25d366;color:#fff}
#hero .hb-wa:hover{background:#1ebe5b;color:#fff}

/* Quote card */
.hq-card{background:#fff;border-radius:12px;border-top:5px solid var(--pb-red);box-shadow:0 18px 45px rgba(0,0,0,.28);padding:22px 22px 18px;color:var(--pb-ink);min-width:0;scroll-margin-top:90px}
.hq-card h2{font-size:1.45rem;font-weight:700;color:var(--pb-navy);margin:0 0 4px}
.hq-card .hq-sub{font-size:14px;color:var(--pb-muted);margin:0 0 14px}
.hq-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:12px}
.hq-tabs button{border:1px solid var(--pb-line);background:#f5f6fa;color:var(--pb-navy);font-weight:700;font-size:14px;padding:10px 6px;border-radius:7px;cursor:pointer;line-height:1.2}
.hq-tabs button:hover{border-color:var(--pb-red)}
.hq-tabs button[aria-selected="true"]{background:var(--pb-red);border-color:var(--pb-red);color:#fff}
.hq-tabs button:focus-visible{outline:3px solid #ffcf4a;outline-offset:2px}
.hq-note{font-size:13.5px;color:var(--pb-muted);margin:0 0 8px}
.hq-mount{min-height:300px}
.hq-mount .app-wrapper{min-height:300px}
.hq-embed{width:100%;border:0;min-height:520px;display:block}
.hq-fallback{margin:10px 0 0;padding:12px 14px;background:#fff4f5;border-left:4px solid var(--pb-red);border-radius:0 8px 8px 0;font-size:14px}

/* ---------- 6 instant-quote tiles (same style as before) ---------- */
#servicesPopUp.sp6{position:relative;z-index:2}
#servicesPopUp.sp6 ul li{width:33.333%;border-right:solid 1px #eee;border-bottom:solid 1px #eee}
#servicesPopUp.sp6 ul li:nth-child(3n){border-right:none}
#servicesPopUp.sp6 ul li:nth-child(n+4){border-bottom:none}
#servicesPopUp.sp6 .services-pop-up-item a{padding:.9rem .3rem;cursor:pointer}
#servicesPopUp.sp6 .services-pop-up-thumb{max-height:80px;width:auto}
@media(min-width:992px){
  #servicesPopUp.sp6 ul{padding:1.6rem}
  #servicesPopUp.sp6 ul li{width:16.666%;border-bottom:none;border-right:solid 1px #eee}
  #servicesPopUp.sp6 ul li:last-child{border-right:none}
  #servicesPopUp.sp6 .services-pop-up-item h3{font-size:1.08rem}
}

/* ---------- New content blocks ---------- */
.hm-stats{padding:44px 0 10px}
.hm-tldr{background:#f6f7fb;border-left:5px solid var(--pb-red);border-radius:0 10px 10px 0;padding:22px 26px;margin-bottom:22px}
.hm-tldr h2{font-size:1.5rem;color:var(--pb-navy);margin:0 0 8px;font-weight:700}
.hm-tldr p{margin:0;font-size:1.05rem;line-height:1.65;color:#2c3550}
.hm-stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.hm-stat-row>div{background:#fff;border:1px solid var(--pb-line);border-top:4px solid var(--pb-navy);border-radius:10px;padding:16px}
.hm-stat-row strong{display:block;font-size:1.35rem;color:var(--pb-navy)}
.hm-stat-row span{font-size:14px;color:var(--pb-muted)}
.hm-redbox .btn{white-space:nowrap}
.hm-step{background:#fff;border:1px solid var(--pb-line);border-radius:12px;padding:26px 22px;height:100%;text-align:center;position:relative}
.hm-step>span{position:absolute;top:14px;left:16px;width:30px;height:30px;border-radius:50%;background:var(--pb-red);color:#fff;font-weight:700;line-height:30px;font-size:15px}
.hm-step img{max-height:60px;width:auto;margin-bottom:12px}
.hm-step h3{font-size:1.2rem;color:var(--pb-navy);margin-bottom:8px}
.hm-step p{margin:0;color:#4a5470;font-size:15px;line-height:1.6}
.hm-list{padding-left:20px}
.hm-list li{margin-bottom:8px;line-height:1.6}
.hm-more{margin-left:12px;font-weight:700;color:var(--pb-red)}
.hm-table-wrap{overflow-x:auto;border:1px solid var(--pb-line);border-radius:12px}
.hm-table{width:100%;border-collapse:collapse;background:#fff;min-width:420px}
.hm-table th{background:var(--pb-navy);color:#fff;padding:12px 14px;text-align:left;font-size:14px}
.hm-table td{padding:11px 14px;border-top:1px solid var(--pb-line);font-size:15px}
.hm-table tbody tr:nth-child(even){background:#f8f9fc}
.hm-table .num{text-align:right;white-space:nowrap}
.hm-cap{font-size:13px;color:var(--pb-muted);margin-top:8px}
.hm-h{font-size:1.75rem}
.hm-tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.hm-tool-grid a{display:block;background:#fff;border:1px solid var(--pb-line);border-radius:10px;padding:16px 18px;text-decoration:none;transition:.2s}
.hm-tool-grid a:hover{border-color:var(--pb-red);box-shadow:0 6px 18px rgba(17,31,68,.08)}
.hm-tool-grid b{display:block;color:var(--pb-navy);font-size:1.05rem;margin-bottom:3px}
.hm-tool-grid span{color:var(--pb-muted);font-size:14px}
.hfaq{max-width:900px;margin:0 auto}
.hfaq-item{border:1px solid var(--pb-line);border-radius:10px;background:#fff;margin-bottom:10px}
.hfaq-item summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;position:relative}
.hfaq-item summary::-webkit-details-marker{display:none}
.hfaq-item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--pb-red);font-weight:700}
.hfaq-item[open] summary::after{content:"−"}
.hfaq-item summary h3{font-size:1.08rem;margin:0;color:var(--pb-navy);font-weight:700;display:inline}
.hfaq-item p{padding:0 18px 16px;margin:0;line-height:1.65;color:#3a4460}
.footer-partners-title.h5{font-size:1.25rem}

/* original page widgets kept */
.partners-section{width:100%;overflow:hidden;padding:30px 0;background:#fff}
.logo-slider{overflow:hidden;position:relative}
.logo-track{display:flex;width:max-content;animation:hmScroll 35s linear infinite}
.logo-track img{height:70px;width:auto;margin:0 35px;object-fit:contain;transition:.3s;filter:grayscale(100%)}
.logo-track img:hover{filter:grayscale(0%);transform:scale(1.08)}
.logo-slider:hover .logo-track{animation-play-state:paused}
@keyframes hmScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.logo-track{animation:none}#heroType::after{animation:none}}
.services-wrapper{position:relative;display:flex;align-items:center;margin:30px 0}
.services-scroll{display:flex;gap:20px;overflow-x:auto;scroll-behavior:smooth;scrollbar-width:none;padding:10px 50px}
.services-scroll::-webkit-scrollbar{display:none}
.service-card{min-width:260px;max-width:260px;background:#fff;border:1px solid #e5e5e5;border-radius:12px;padding:20px;text-align:center;box-shadow:0 4px 12px rgba(0,0,0,.08);flex-shrink:0}
.service-card img{width:60px;height:60px;margin-bottom:15px;object-fit:contain}
.service-card h3{font-size:20px;margin-bottom:10px}
.service-card p{color:#666;font-size:14px;min-height:60px;margin-bottom:20px}
.service-btn{display:inline-block;padding:10px 22px;background:#c91f38;color:#fff;text-decoration:none;border-radius:6px;font-weight:600;transition:.3s}
.service-btn:hover{background:#111f44;color:#fff}
.scroll-btn{position:absolute;top:50%;transform:translateY(-50%);width:42px;height:42px;border:none;border-radius:50%;background:#c91f38;color:#fff;font-size:22px;cursor:pointer;z-index:10;box-shadow:0 2px 8px rgba(0,0,0,.2)}
.scroll-btn:hover{background:#111f44}
.scroll-left{left:0}.scroll-right{right:0}
#sy-whatshelp{right:14px;bottom:84px;position:fixed;z-index:9999}
#sy-whatshelp a{position:relative}
#sy-whatshelp a.person-services{background-color:red;color:#fff;line-height:55px;margin-top:10px;border:none;cursor:pointer;font-size:23px;width:55px;height:55px;text-align:center;box-shadow:2px 2px 8px -3px #000;border-radius:100%;display:inline-block}
#sy-whatshelp a.person-services i{line-height:55px}
#sy-whatshelp a.person-services i.fa-times{display:none}
#sy-whatshelp .sywh-services{width:55px;height:auto}
#sy-whatshelp .sywh-services a{display:none}
#sy-whatshelp .sywh-services.active a{display:block}
#sy-whatshelp .sywh-services a i{background-color:#129bf4;color:#fff;line-height:55px;margin-top:10px;border:none;cursor:pointer;font-size:23px;width:55px;height:55px;text-align:center;box-shadow:2px 2px 8px -3px #000;border-radius:100%;display:block}
#sy-whatshelp .sywh-services a.email i{background-color:#ea4335}
#sy-whatshelp .sywh-services a.whatsapp i{background-color:#25d366}
#sy-whatshelp .sywh-services a.call i{background-color:#ff6600}
#sy-whatshelp .sywh-services i.fa.fa-whatsapp:before{content:"";width:30px;height:30px;background-image:url(/assets/images/whats.png);position:absolute;left:0;right:0;margin:0 auto;top:13px;background-repeat:no-repeat;background-position:center;background-size:30px}
#sy-whatshelp .sywh-services i.fa.fa-whatsapp{position:relative}
a[data-tooltip]{position:relative}
a[data-tooltip]::before,a[data-tooltip]::after{position:absolute;display:none;opacity:.85}
a[data-tooltip]::before{content:attr(data-tooltip);background:#000;color:#fff;font-size:13px;padding:7px 11px;border-radius:5px;white-space:nowrap}
a[data-tooltip]::after{width:0;height:0;border:6px solid transparent;content:""}
a[data-tooltip]:hover::before,a[data-tooltip]:hover::after{display:block}
a.person-services[data-tooltip]::before,a.person-services[data-tooltip]::after{display:block}
a.data-tooltip-hide[data-tooltip]::before,a.data-tooltip-hide[data-tooltip]::after{display:none!important}
a.person-services[data-tooltip][data-placement="left"]::before{top:11px}
a[data-tooltip][data-placement="left"]::before{top:-7px;right:100%;line-height:normal;margin-right:10px}
a[data-tooltip][data-placement="left"]::after{border-left-color:#000;border-right:none;top:50%;right:100%;margin-top:-6px;margin-right:4px}
.person-image{width:100%;border-radius:50%}

/* ---------- Tablet ---------- */
@media(max-width:1199.98px){#hero .hb-grid{grid-template-columns:1fr 460px;gap:28px}#hero .hb-l1{font-size:2.1rem}#hero .hb-l2{font-size:2rem}}
@media(max-width:991.98px){
  #hero{padding:1.6rem 0 4.5rem}
  #hero .hb-grid{grid-template-columns:1fr;gap:18px}
  .hq-card{max-width:620px;width:100%;margin:0 auto}
  #hero .hb-copy{text-align:left}
  .hm-stat-row{grid-template-columns:repeat(2,1fr)}
  .hm-tool-grid{grid-template-columns:repeat(2,1fr)}
}
/* ---------- Phone: heading + one line, then the form ---------- */
@media(max-width:575.98px){
  #hero{padding:1rem 0 4rem}
  #hero .hb-l1{font-size:1.35rem}
  #hero .hb-l2{font-size:1.5rem;margin-top:2px}
  #hero .hb-h1{margin-bottom:4px}
  #hero .hb-sub{display:none}
  #hero .hb-l2{min-height:2.4em}
  #hero .hb-trust,#hero .hb-actions{display:none}
  .hq-card{padding:16px 14px 14px;border-radius:10px}
  .hq-card h2{font-size:1.2rem}
  .hq-card .hq-sub{display:none}
  .hq-tabs button{font-size:13px;padding:9px 4px}
  #servicesPopUp.sp6 .services-pop-up-thumb{max-height:58px}
  #servicesPopUp.sp6 .services-pop-up-item h3{font-size:.95rem}
  #servicesPopUp.sp6 .services-pop-up-item .quote-label{font-size:11px}
  .hm-stat-row{grid-template-columns:1fr 1fr;gap:10px}
  .hm-stat-row>div{padding:12px}
  .hm-stat-row strong{font-size:1.1rem}
  .hm-tool-grid{grid-template-columns:1fr}
  .hm-tldr{padding:16px 18px}
  .hm-more{display:inline-block;margin:10px 0 0}
  .hm-redbox .dropdown{margin-top:14px}
}

/* ---------- Hero refresh (Oct 2026): calm word swap, fuller left column, navy gradient ---------- */
#hero::before{background:linear-gradient(100deg,rgba(17,31,68,.94) 0%,rgba(17,31,68,.82) 42%,rgba(17,31,68,.45) 75%,rgba(17,31,68,.35) 100%)!important}
#hero{padding:3.2rem 0 5.5rem}
#hero .hb-grid{grid-template-columns:minmax(0,1fr) 500px;gap:56px;align-items:start}
#hero .hb-stick{position:sticky;top:96px;padding-top:6px}
#hero .hb-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#ffd9de;font-weight:600;font-size:14px;letter-spacing:.02em;padding:6px 14px;border-radius:30px;margin-bottom:18px}
#hero .hb-eyebrow i{color:#ff6b7f}
#hero .hb-h1{margin:0 0 18px;line-height:1.1}
#hero .hb-l1,#hero .hb-l3{display:block;font-size:2.6rem;font-weight:700;color:#fff}
#hero .hb-l2{display:block;font-size:3.1rem;margin:4px 0;min-height:0}
#hero .hb-slot{display:inline-block;position:relative;height:1.25em;overflow:hidden;vertical-align:bottom;white-space:nowrap}
#hero .hb-word{display:inline-block;color:#ff5a70!important;font-weight:800;transition:transform .45s ease,opacity .45s ease}
#hero .hb-word.out{transform:translateY(-60%);opacity:0}
#hero .hb-word.in{transform:translateY(60%);opacity:0;transition:none}
#heroType::after{content:none!important}
#hero .hb-sub{font-size:1.2rem;color:#e7ecf6;max-width:600px;margin:0 0 22px}
#hero .hb-why{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:12px;max-width:600px}
#hero .hb-why li{display:flex;gap:12px;align-items:flex-start;color:#e7ecf6;font-size:1.05rem;line-height:1.45}
#hero .hb-why b{color:#fff}
#hero .hb-why i{flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:rgba(201,31,56,.9);color:#fff;font-size:15px}
#hero .hb-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:0 0 22px;max-width:640px}
#hero .hb-stats div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-top:3px solid #ff5a70;border-radius:10px;padding:12px 12px 10px}
#hero .hb-stats strong{display:block;color:#fff;font-size:1.25rem;line-height:1.15}
#hero .hb-stats span{display:block;color:#cfd7e8;font-size:.85rem;margin-top:3px}
#hero .hb-person{display:flex;flex-wrap:wrap;align-items:center;gap:14px;background:rgba(255,255,255,.96);border-radius:14px;padding:14px 16px;max-width:640px;box-shadow:0 12px 30px rgba(0,0,0,.25)}
#hero .hb-person img{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:top;border:3px solid var(--pb-red);flex:none}
#hero .hb-pn{flex:1;min-width:180px;color:var(--pb-navy)}
#hero .hb-pn b{display:block;font-size:1.02rem}
#hero .hb-pn .hb-role{color:var(--pb-red);font-weight:600;margin-top:0}
#hero .hb-pn span{display:block;font-size:.88rem;color:var(--pb-muted);margin-top:2px}
#hero .hb-pn .fa-star{color:#f5b301;font-size:.8rem}
#hero .hb-pn a{color:var(--pb-navy);font-weight:600}
#hero .hb-person .hb-actions{display:flex;gap:8px;margin:0}
.hq-card{min-height:760px}
@media(max-width:1199.98px){#hero .hb-grid{grid-template-columns:minmax(0,1fr) 460px;gap:30px}#hero .hb-l1,#hero .hb-l3{font-size:2.1rem}#hero .hb-l2{font-size:2.5rem}#hero .hb-stats{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:991.98px){#hero .hb-stick{position:static}#hero .hb-grid{grid-template-columns:1fr}.hq-card{min-height:0}#hero .hb-why,#hero .hb-stats,#hero .hb-person{max-width:none}}
@media(max-width:575.98px){
  #hero .hb-eyebrow,#hero .hb-why,#hero .hb-stats,#hero .hb-person{display:none}
  #hero .hb-l1,#hero .hb-l3{font-size:1.35rem;display:inline}
  #hero .hb-l2{font-size:1.6rem;margin:2px 0}
  #hero .hb-slot{height:auto;overflow:visible;white-space:normal}
  #hero .hb-word{transition:none}
}
@media(prefers-reduced-motion:reduce){#hero .hb-word{transition:none}}

/* ---------- Insurer buy-online grid ---------- */
.hm-ins-sub{max-width:760px;margin:0 auto 26px;color:var(--pb-muted)}
.hi-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.hi-card{background:#fff;border:1px solid var(--pb-line);border-radius:12px;padding:16px 14px;text-align:center;box-shadow:0 6px 18px rgba(17,31,68,.06);display:flex;flex-direction:column;min-width:0}
.hi-logo{display:flex;align-items:center;justify-content:center;height:64px;margin-bottom:8px}
.hi-logo img{max-width:150px;max-height:60px;width:auto;height:auto;object-fit:contain}
.hi-card h3{font-size:1rem;margin:0 0 12px;font-weight:700}
.hi-card h3 a{color:var(--pb-navy);text-decoration:none}
.hi-acts{display:flex;gap:8px;margin-top:auto}
.hi-acts a{flex:1;font-weight:700;font-size:13.5px;border-radius:7px;padding:9px 6px;text-decoration:none;line-height:1.2}
.hi-buy{background:var(--pb-red);color:#fff}.hi-buy:hover{background:#a8172d;color:#fff}
.hi-wa{background:#25d366}.hi-wa:hover{background:#1ebe5b}
.hi-more{border:1.5px solid var(--pb-navy);color:var(--pb-navy)}.hi-more:hover{background:var(--pb-navy);color:#fff}
.hm-list a{font-weight:600}
@media(max-width:991.98px){.hi-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:575.98px){.hi-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.hi-acts{flex-direction:column}}

/* ---------- Credentials strip: compact logos ---------- */
.hm-cred{padding:22px 0;background:#fff}
.hm-cred-t{text-align:center;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--pb-muted);font-weight:600;margin:0 0 12px}
.hm-cred-list{list-style:none;margin:0;padding:0;display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}
.hm-cred-list li{display:flex;flex-direction:column;align-items:center;gap:6px}
.hm-cred-list img{height:52px;width:auto;max-width:170px;object-fit:contain}
.hm-cred-list span{font-size:12.5px;color:var(--pb-muted);font-weight:600}
@media(max-width:575.98px){
  .hm-cred{padding:16px 0}
  .hm-cred-list{gap:14px;flex-wrap:nowrap}
  .hm-cred-list li{flex:1 1 0;min-width:0}
  .hm-cred-list img{height:40px;max-width:100%}
  .hm-cred-list span{font-size:11px;text-align:center}
}