/*
  All Insurance - Static Lead Gen Site
  ------------------------------------------------------------
  - Light, modern theme
  - Mobile-first fixes (clean header, consistent spacing, no overflow)
  - Edit phone numbers in: /assets/js/config.js
*/

:root{
  /* Color system (light) */
  --bg: #ffffff;
  --surface: rgba(255,255,255,.92);
  --card: #ffffff;
  --card-strong: #f1f5f9;
  --border: #e2e8f0;
  --border-strong: #cbd5e1;
  --text: #0f172a;
  --muted: #475569;
  --muted2: #334155;

  /* Brand */
  --brand: #14b8a6;   /* teal */
  --brand2: #2563eb;  /* blue */
  --brand3: #a78bfa;  /* violet accent */
  --warning: #f59e0b;
  --ok: #10b981;

  /* Layout */
  --radius: 18px;
  --shadow: 0 18px 46px rgba(2, 6, 23, .10);
  --shadow-soft: 0 10px 26px rgba(2, 6, 23, .08);
  --max: 1120px;

  /* Focus ring */
  --focus: 0 0 0 3px rgba(59, 130, 246, .22);
}

*{box-sizing:border-box}
html,body{height:100%}
html{scroll-behavior:smooth}

body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color: var(--text);
  background:
    radial-gradient(1100px 560px at 12% -10%, rgba(37,99,235,.10), transparent 62%),
    radial-gradient(900px 520px at 88% 0%, rgba(20,184,166,.08), transparent 58%),
    radial-gradient(760px 540px at 72% 110%, rgba(167,139,250,.10), transparent 58%),
    var(--bg);
  line-height:1.6;
}

img{max-width:100%; height:auto; display:block}
a{color:inherit}

.container{max-width:var(--max); margin:0 auto; padding:0 20px}

/* Keep anchored sections visible under sticky header */
section[id]{scroll-margin-top: 90px}

.skip-link{
  position:absolute; left:-999px; top:10px;
  background: #ffffff;
  border: 1px solid var(--border);
  padding:10px 14px;
  border-radius: 12px;
  z-index: 9999;
  box-shadow: var(--shadow-soft);
}
.skip-link:focus{left:16px; outline:none; box-shadow:var(--focus)}

/* Header */
.header{
  position:sticky;
  top:0;
  z-index:1000;
  backdrop-filter:saturate(180%) blur(16px);
  background: var(--surface);
  border-bottom:1px solid var(--border);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
  gap:16px;
}

.brand{
  display:flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  min-width: 0;
}
.logo{
  width:36px; height:36px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(20,184,166,.22), rgba(59,130,246,.18));
  border: 1px solid rgba(15,23,42,.12);
  box-shadow: var(--shadow-soft);
  display:grid;
  place-items:center;
}
.logo svg{opacity:.95}

.brand-name{font-weight:800; letter-spacing:.2px; white-space:nowrap}
.brand-tag{display:block; font-size:12px; color: var(--muted2); margin-top:2px}

.nav{
  display:flex;
  align-items:center;
  gap:18px;
}
.nav a{
  text-decoration:none;
  color: var(--muted);
  font-size:14px;
  font-weight:600;
}
.nav a:hover{color: var(--text)}

.badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:6px 10px;
  border-radius: 999px;
  border:1px solid var(--border);
  background: rgba(255,255,255,.70);
  color: var(--muted);
  font-size:12px;
  font-weight:650;
  margin-top:6px;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:11px 14px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.78);
  text-decoration:none;
  font-weight:700;
  color: var(--text);
  box-shadow: var(--shadow-soft);
  cursor:pointer;
  transition: transform .12s ease, box-shadow .12s ease, border-color .12s ease, background .12s ease;
}
.btn:hover{
  border-color: var(--border-strong);
  background: #ffffff;
  box-shadow: 0 14px 30px rgba(2, 6, 23, .10);
  transform: translateY(-1px);
}
.btn:active{transform: translateY(0)}
.btn:focus{outline:none; box-shadow: var(--focus)}

.btn.small{padding:9px 12px; border-radius: 12px; font-size:14px}

/* Compat classes used by templates */
.btn-primary{
  border-color: var(--brand2) !important;
  background: var(--brand2) !important;
  color: #ffffff !important;
  box-shadow: 0 12px 22px rgba(37,99,235,.18);
}
.btn-primary:hover{
  border-color: #1d4ed8 !important;
  background: #1d4ed8 !important;
}
.btn-secondary{ /* default */ }

/* Mobile menu button */
.menu-btn{
  display:none;
  align-items:center;
  gap:10px;
  padding:11px 12px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.78);
  box-shadow: var(--shadow-soft);
  font-weight:750;
  color: var(--text);
  cursor:pointer;
}
.menu-btn:hover{border-color: var(--border-strong); background:#fff}
.menu-btn:focus{outline:none; box-shadow:var(--focus)}
.menu-btn::before{
  content:"";
  display:inline-block;
  width:18px;
  height:12px;
  background:
    linear-gradient(var(--text), var(--text)) 0 0/100% 2px,
    linear-gradient(var(--text), var(--text)) 0 5px/100% 2px,
    linear-gradient(var(--text), var(--text)) 0 10px/100% 2px;
  background-repeat:no-repeat;
  opacity:.75;
}

/* Hero */
.hero{padding:44px 0 28px}
.hero-grid{
  display:grid;
  grid-template-columns: 1.12fr .88fr;
  gap:28px;
  align-items:center;
}
.hero h1{
  margin:0;
  font-size: clamp(30px, 3.2vw, 46px);
  line-height:1.1;
  letter-spacing:-.02em;
}
.hero p{
  margin:14px 0 18px;
  color: var(--muted);
  font-size: 16px;
  max-width: 60ch;
}

.actions{display:flex; gap:12px; flex-wrap:wrap}

.kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:6px 10px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.75);
  color: var(--muted);
  font-size: 13px;
  font-weight: 750;
}

.lead{font-size:16px; color: var(--muted); max-width: 62ch}
.h2{font-size:22px; font-weight:900; letter-spacing:-.01em}
.hint{
  color: var(--muted2);
  font-size:12px;
  letter-spacing:.04em;
  text-transform:uppercase;
  font-weight:800;
}
.fine{color: var(--muted2); font-size:12px; line-height:1.65}
.muted{color: var(--muted)}
.spacer{height:12px}

.hero-card{
  margin-top: 18px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: linear-gradient(135deg, rgba(20,184,166,.08), rgba(59,130,246,.08));
  padding: 18px;
  box-shadow: var(--shadow-soft);
}
.hero-card-inner{display:flex; align-items:flex-start; justify-content:space-between; gap:12px}

.pill{
  font-size:12px;
  padding:6px 10px;
  border-radius: 999px;
  border:1px solid var(--border);
  background: rgba(255,255,255,.75);
  color: var(--muted);
  font-weight:650;
}

.input{
  width:100%;
  color: var(--text);
  background: #ffffff;
  border: 1px solid var(--border);
  padding: 12px 12px;
  border-radius: 14px;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.65);
}
.input:focus{outline:none; box-shadow: var(--focus)}

select.input{
  appearance:none;
  padding-right: 42px;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--muted2) 50%),
    linear-gradient(135deg, var(--muted2) 50%, transparent 50%);
  background-position:
    calc(100% - 18px) calc(50% - 3px),
    calc(100% - 13px) calc(50% - 3px);
  background-size: 5px 5px, 5px 5px;
  background-repeat:no-repeat;
}

.hero-media{
  position: relative;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: #ffffff;
  overflow: hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 4 / 3;
}
.hero-media img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
}
.hero-media::after{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(135deg, rgba(255,255,255,.05), rgba(255,255,255,.00));
  pointer-events:none;
}
.hero-media-badge{
  position:absolute;
  left:14px;
  bottom:14px;
  padding:8px 10px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.65);
  background: rgba(15,23,42,.55);
  color: #ffffff;
  font-weight: 800;
  font-size: 13px;
  letter-spacing: -.01em;
  backdrop-filter: blur(10px);
  box-shadow: 0 10px 24px rgba(2, 6, 23, .22);
}

/* Sections */
section{padding: 28px 0}
.section{padding: 28px 0}

.section-head{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:16px;
  margin-bottom: 14px;
}
.section-head h2{margin:0; font-size:22px; letter-spacing:-.01em}

.grid{
  display:grid;
  grid-template-columns: repeat(12, 1fr);
  gap:14px;
}

.card{
  grid-column: span 4;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--card);
  padding: 16px;
  box-shadow: var(--shadow-soft);
  transition: transform .12s ease, box-shadow .12s ease, border-color .12s ease;
}
.card:hover{
  border-color: var(--border-strong);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.card .icon{
  width: 42px;
  height: 42px;
  border-radius: 14px;
  background: rgba(59,130,246,.08);
  border: 1px solid rgba(59,130,246,.14);
  display:grid;
  place-items:center;
  font-size: 18px;
}


/* Card images (coverage tiles) */
.card-media{
  margin: -18px -18px 14px;
  border-radius: calc(var(--radius) - 6px);
  overflow:hidden;
  height: 140px;
  border: 1px solid rgba(15,23,42,.06);
  background: var(--card-strong);
}
.card-media img{
  width:100%;
  height:100%;
  object-fit: cover;
  display:block;
  transform: scale(1.02);
}
.card-title{
  display:flex;
  align-items:center;
  gap:10px;
  font-weight:900;
  letter-spacing:-.01em;
  font-size:18px;
}
.card-desc{margin:10px 0 0; color: var(--muted); font-size:14px}

.card-cta{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:10px;
  margin-top: 12px;
  flex-wrap:wrap;
}

.divider{height:1px; background: rgba(15,23,42,.10); margin: 14px 0}

.link{color: var(--text); text-decoration:none; font-weight:800}
.link:hover{text-decoration:underline}

/* Lists (used heavily on product/privacy pages) */
.list{
  margin: 10px 0 0;
  padding: 0;
  list-style:none;
  display:grid;
  gap:10px;
}
.list li{
  position:relative;
  padding: 10px 12px 10px 40px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: var(--card-strong);
  color: var(--muted);
}
.list li::before{
  content:"✓";
  position:absolute;
  left: 12px;
  top: 11px;
  width: 18px;
  height: 18px;
  border-radius: 6px;
  display:grid;
  place-items:center;
  font-weight: 900;
  font-size: 12px;
  color: rgba(20,184,166,.95);
  background: rgba(20,184,166,.14);
  border: 1px solid rgba(20,184,166,.24);
}
.list strong{display:block; margin-bottom:2px; color: var(--text)}
.list span{color: var(--muted)}

/* Call-to-action band */
.cta-band{
  position: relative;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: #ffffff;
  padding: 18px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  box-shadow: var(--shadow-soft);
  overflow:hidden;
}

.cta-band.has-media::before{
  content:"";
  position:absolute;
  inset:0;
  background-image: var(--cta-img);
  background-size: cover;
  background-position: center;
  opacity: .22;
  transform: scale(1.04);
  filter: saturate(1.05);
}
.cta-band.has-media::after{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(135deg, rgba(255,255,255,.92), rgba(255,255,255,.72));
}
.cta-band.has-media > *{
  position: relative;
  z-index: 1;
}

/* Disclosures / callouts */
.callout{
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: rgba(255,255,255,.75);
  padding: 18px;
  box-shadow: var(--shadow-soft);
}
.callout-title{font-weight:900; margin-bottom: 10px}

.notice{
  border-left: 3px solid rgba(245,158,11,.65);
  background: rgba(245,158,11,.12);
  border-radius: 14px;
  padding: 12px 14px;
  color: var(--text);
  border: 1px solid var(--border);
}

/* Details (FAQ) */
details.card{padding:18px}
details.card summary{
  list-style:none;
  cursor:pointer;
  font-weight:900;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}
details.card summary::-webkit-details-marker{display:none}
details.card summary::after{
  content:"";
  width: 10px;
  height: 10px;
  border-right: 2px solid var(--muted2);
  border-bottom: 2px solid var(--muted2);
  transform: rotate(45deg);
  transition: transform .18s ease;
  opacity:.85;
  flex: 0 0 auto;
}
details[open].card summary::after{transform: rotate(-135deg)}
details.card > *:not(summary){margin-top: 10px}

/* Footer */
.footer{
  padding: 30px 0;
  border-top: 1px solid var(--border);
  margin-top: 28px;
  background: rgba(255,255,255,.55);
}
.footer-grid{
  display:grid;
  grid-template-columns: 1.1fr .9fr;
  gap:18px;
  align-items:start;
}
.footer small{color: var(--muted2)}
.footer a{color: var(--muted); text-decoration:none}
.footer a:hover{color: var(--text)}
.fineprint{margin-top: 10px; color: var(--muted2); font-size: 12px}
.fineprint p{margin:8px 0}

/* Mobile sticky call bar */
.sticky-call{
  position: fixed;
  left: 10px;
  right: 10px;
  bottom: 10px;
  z-index: 999;
  display:none;
}
.sticky-call .inner{
  border-radius: 18px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.88);
  backdrop-filter: blur(16px);
  box-shadow: var(--shadow);
  padding: 10px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:10px;
}
.sticky-call .big{font-weight:900; font-size:14px}

.kbd{
  font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
  font-size: 12px;
  padding: 3px 8px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.75);
  color: var(--muted);
}

/* Tables */
.table{
  width:100%;
  border-collapse: collapse;
  margin-top: 10px;
}
.table th,.table td{
  text-align:left;
  padding: 10px 12px;
  border-bottom: 1px solid rgba(15,23,42,.10);
  color: var(--muted);
  vertical-align:top;
}
.table th{color: var(--muted2); font-size:12px; letter-spacing:.04em; text-transform:uppercase}
.table a{color: var(--text); font-weight:800; text-decoration:none}
.table a:hover{text-decoration:underline}

/* Responsive */
@media (max-width: 980px){
  .hero-grid{grid-template-columns: 1fr;}
  .footer-grid{grid-template-columns: 1fr;}
}

@media (max-width: 860px){
  .card{grid-column: span 6;}
}

@media (max-width: 740px){
  .section-head{flex-wrap:wrap; align-items:flex-start}
}

@media (max-width: 680px){
  /* Global mobile polish */
  body{padding-bottom: 92px;}

  .nav{display:none}
  .menu-btn{display:inline-flex}

  /* Cleaner header on small screens */
  .header-inner{
    display:grid;
    grid-template-columns: 1fr auto;
    align-items:center;
    gap:12px;
    padding: 12px 0;
  }
  .badge{display:none}

  /* Hide the raw number in the top-right header call button to prevent overflow */
  .header .btn span[data-phone]{display:none}

  .mobile-nav{display:none; border-top: 1px solid var(--border); padding: 12px 0 14px;}
  .mobile-nav.open{display:block}
  .mobile-nav a{
    display:block;
    padding: 12px 0;
    color: var(--muted);
    text-decoration:none;
    border-bottom: 1px solid rgba(15,23,42,.08);
    font-weight:700;
  }
  .mobile-nav a:last-child{border-bottom:none}
  .mobile-nav a:hover{color: var(--text)}

  /* Single-column cards */
  .card{grid-column: span 12;}

  /* Stack CTAs so buttons aren’t squeezed */
  .actions{flex-direction:column}
  .actions .btn{width:100%}

  .hero-card-inner{flex-direction:column; align-items:flex-start}
  .hero-card-inner .btn{width:100%}

  .card-cta{flex-direction:column; align-items:flex-start}
  .card-cta .btn{width:100%}

  .cta-band{flex-direction:column; align-items:flex-start}
  .cta-band .btn{width:100%}

  .sticky-call{display:block}
}

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce){
  *{scroll-behavior:auto}
  .btn, .card{transition:none}
}