/* =========================================================
   Commercial Insurance Partners - site styles
   To change the site's colors, edit the values just below.
   ========================================================= */
:root {
  --navy: #12304a;
  --navy-deep: #0d2438;
  --teal: #2a8a84;
  --teal-dark: #1f6f6a;
  --mint: #8fd6c8;
  --mint-soft: #e4f2ef;
  --coral: #e3704e;
  --coral-dark: #c95b3a;
  --coral-soft: #fbe6de;
  --cream: #f5f0e6;
  --ink: #16283a;
  --muted: #5b6b78;
  --line: #e1e6ea;
  --white: #ffffff;

  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --wrap: 1120px;
  --radius: 14px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--teal-dark); }
a:hover { color: var(--teal); }
:focus-visible { outline: 3px solid var(--mint); outline-offset: 2px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.12; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.3rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.4rem); }
h3 { font-size: 1.15rem; font-family: var(--sans); font-weight: 650; letter-spacing: 0; }
p { margin: 0 0 1em; }

.wrap { width: min(100% - 40px, var(--wrap)); margin-inline: auto; }
.section { padding: 88px 0; }
.section-cream { background: var(--cream); }
.lead { font-size: 1.08rem; color: var(--muted); max-width: 60ch; }
.eyebrow {
  display: flex; align-items: center; gap: 10px;
  font-size: .74rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--teal); margin: 0 0 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: currentColor; flex: none; }
.eyebrow .dot { margin: 0 .3em; font-weight: 700; }
.eyebrow .nowrap { white-space: nowrap; }
.section-head { margin-bottom: 40px; max-width: 640px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px; border: 1.5px solid transparent;
  font: 600 .92rem/1.2 var(--sans); text-decoration: none; cursor: pointer;
  transition: background .15s, color .15s, border-color .15s;
  white-space: nowrap;
}
.btn-coral { background: var(--coral); color: #fff; }
.btn-coral:hover { background: var(--coral-dark); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); color: #fff; }
.btn-outline-light { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); color: #fff; }
.btn-outline { border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }

/* ---------- Header ---------- */
.site-header { position: relative; z-index: 20; background: var(--navy); color: #fff; }
.home .site-header { position: absolute; inset: 0 0 auto; background: transparent; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 18px 0; }
.brand { display: flex; align-items: center; gap: 16px; color: #fff; text-decoration: none; }
.brand:hover { color: #fff; }
.brand-logo { height: 50px; width: auto; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--serif); font-size: 1.55rem; font-weight: 600; }
.site-nav { display: flex; align-items: center; gap: 28px; }
.site-nav ul { list-style: none; display: flex; gap: 22px; margin: 0; padding: 0; }
.site-nav ul a { color: #fff; text-decoration: none; font-size: .9rem; font-weight: 500; padding: 6px 0; border-bottom: 2px solid transparent; }
.site-nav ul a:hover { border-bottom-color: rgba(255,255,255,.5); color: #fff; }
.site-nav ul a[aria-current="page"] { border-bottom-color: var(--mint); }
.nav-actions { display: flex; gap: 10px; }
.nav-actions .btn { padding: 10px 18px; font-size: .86rem; }
.nav-toggle { display: none; background: none; border: 1.5px solid rgba(255,255,255,.5); color: #fff; border-radius: 999px; padding: 8px 16px; font: 600 .86rem var(--sans); cursor: pointer; }

@media (max-width: 1180px) {
  .nav-toggle { display: inline-block; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 16px;
    background: var(--navy-deep); padding: 20px; box-shadow: 0 16px 30px rgba(0,0,0,.25);
  }
  .site-nav.open { display: flex; }
  .site-nav ul { flex-direction: column; gap: 4px; }
  .site-nav ul a { display: block; padding: 10px 4px; border-bottom: 1px solid rgba(255,255,255,.1); }
  .nav-actions { flex-direction: column; }
}

/* ---------- Home hero ---------- */
.hero {
  position: relative; color: #fff; padding: 150px 0 140px;
  background:
    linear-gradient(100deg, rgba(13,36,56,.80) 0%, rgba(13,36,56,.55) 50%, rgba(13,36,56,.25) 100%),
    url("../images/hero.jpg") center / cover no-repeat,
    linear-gradient(160deg, #1b4560 0%, #12304a 55%, #1f5466 100%);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero .eyebrow { color: var(--mint); }
.hero h1 { color: #fff; max-width: 16ch; }
.hero h1 .accent { color: var(--mint); }
.hero-copy > p { font-size: 1.08rem; color: rgba(255,255,255,.88); max-width: 50ch; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 34px; }
.hero-facts { display: flex; flex-wrap: wrap; gap: 28px; margin: 0; padding: 0; list-style: none; }
.hero-facts li { font-size: .82rem; color: rgba(255,255,255,.8); }
.hero-facts strong { font-family: var(--serif); font-size: 1.15rem; color: #fff; margin-right: 6px; font-weight: 600; }
.wave { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 60px; display: block; }

/* ---------- Coverage quiz card ---------- */
.quiz { background: #fff; color: var(--ink); border-radius: 16px; overflow: hidden; box-shadow: 0 24px 60px rgba(5,20,35,.35); }
.quiz-head { background: var(--teal); color: #fff; padding: 20px 24px; }
.quiz-head h2 { font-size: 1.3rem; margin: 0 0 4px; }
.quiz-head p { margin: 0; font-size: .82rem; opacity: .92; }
.quiz-body { padding: 18px 24px 22px; }
.quiz fieldset { border: 0; margin: 0 0 14px; padding: 0; }
.quiz legend, .quiz-label { font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--navy); margin-bottom: 8px; padding: 0; }
.chips { display: flex; flex-wrap: wrap; gap: 6px; }
.chip input { position: absolute; opacity: 0; pointer-events: none; }
.chip span {
  display: inline-block; padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px;
  font-size: .8rem; cursor: pointer; transition: background .15s, color .15s, border-color .15s;
}
.chip span:hover { border-color: var(--navy); }
.chip input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.chip input:focus-visible + span { outline: 3px solid var(--mint); outline-offset: 2px; }
.checks { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 16px; font-size: .84rem; }
.checks label { display: flex; align-items: center; gap: 8px; cursor: pointer; }
.checks input { width: 16px; height: 16px; accent-color: var(--teal); }
.quiz-results { border-top: 1px solid var(--line); padding-top: 12px; }
.result-title { font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin: 6px 0 8px; }
.result-title.rec { color: var(--teal-dark); }
.tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 8px; }
.tag { font-size: .75rem; padding: 4px 9px; border-radius: 6px; }
.tag.rec { background: var(--mint-soft); color: var(--teal-dark); }
.quiz-foot { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: 12px; }
.quiz-foot small { font-size: .68rem; color: var(--muted); line-height: 1.4; max-width: 26ch; }

/* ---------- Cards ---------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; background: #fff; display: flex; flex-direction: column; }
.card p { color: var(--muted); font-size: .92rem; }
.card .more { margin-top: auto; font-weight: 600; font-size: .88rem; text-decoration: none; }
.card .more:hover { text-decoration: underline; }
.icon { width: 44px; height: 44px; border-radius: 10px; background: var(--mint-soft); color: var(--teal-dark); display: grid; place-items: center; margin-bottom: 18px; }
.icon svg { width: 22px; height: 22px; }

/* ---------- Why local ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
/* Box matches the photo's 4:5 shape so none of it is cropped */
.photo {
  border-radius: 18px; aspect-ratio: 4 / 5;
  background:
    url("../images/local.jpg") center / cover no-repeat,
    linear-gradient(180deg, #f2b07c 0%, #d9846b 30%, #5f7d9a 65%, #1d3b55 100%);
}
.reasons { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 22px; }
.reasons li { display: grid; grid-template-columns: 44px 1fr; gap: 16px; }
.reasons .icon { margin: 0; background: #fff; }
.reasons h3 { margin: 4px 0 2px; font-size: 1rem; }
.reasons p { margin: 0; color: var(--muted); font-size: .92rem; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 32px; align-items: stretch; }
.contact-card { background: var(--navy); color: #fff; border-radius: 18px; padding: 40px; }
.contact-card h2 { color: #fff; font-size: 1.8rem; }
.contact-card > p { color: rgba(255,255,255,.85); }
.contact-card dl { margin: 28px 0 0; display: grid; gap: 18px; }
.contact-card dt { font-size: .7rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.6); }
.contact-card dd { margin: 2px 0 0; font-weight: 500; }
.contact-card a { color: #fff; text-decoration: none; }
.contact-card a:hover { text-decoration: underline; color: #fff; }
.form-card { border: 1px solid var(--line); border-radius: 18px; padding: 34px; background: #fff; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-size: .82rem; font-weight: 600; margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid #cfd6dc; border-radius: 10px;
  font: inherit; font-size: .95rem; color: var(--ink); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px var(--mint-soft); }
.field textarea { min-height: 120px; resize: vertical; }
.hidden-field { display: none; }
.form-note { font-size: .78rem; color: var(--muted); margin: 10px 0 0; }

/* ---------- Inner pages ---------- */
.page-hero { position: relative; background: var(--navy); color: #fff; padding: 64px 0 110px; }
.page-hero h1 { color: #fff; max-width: 18ch; }
.page-hero .eyebrow { color: var(--mint); }
.page-hero p { color: rgba(255,255,255,.86); font-size: 1.08rem; max-width: 58ch; }

.with-sidebar { display: grid; grid-template-columns: 230px 1fr; gap: 56px; align-items: start; }
.sidebar { position: sticky; top: 24px; }
.sidebar p { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 10px; }
.sidebar ul { list-style: none; padding: 0; margin: 0; border-left: 2px solid var(--line); }
.sidebar a { display: block; padding: 7px 0 7px 16px; margin-left: -2px; border-left: 2px solid transparent; color: var(--ink); text-decoration: none; font-size: .92rem; }
.sidebar a:hover { border-left-color: var(--teal); color: var(--teal-dark); }

.topic { padding: 0 0 48px; margin-bottom: 48px; border-bottom: 1px solid var(--line); scroll-margin-top: 24px; }
.topic:last-child { border-bottom: 0; margin-bottom: 0; }
.topic h2 { font-size: 1.9rem; }
.topic h3 { margin-top: 22px; }
.topic p, .topic li { color: #33475a; }
.topic ul { padding-left: 20px; }
.topic li { margin-bottom: 6px; }
.callout { background: var(--mint-soft); border-left: 4px solid var(--teal); padding: 16px 20px; border-radius: 0 10px 10px 0; margin: 20px 0; font-size: .94rem; }
.callout.law { background: var(--coral-soft); border-left-color: var(--coral); }
.callout p:last-child { margin: 0; }
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0 !important; margin: 14px 0 0; }
.pill-list li { background: var(--mint-soft); color: var(--teal-dark); padding: 5px 12px; border-radius: 999px; font-size: .84rem; margin: 0; }
.pill-list li.req { background: var(--coral-soft); color: #9c3d20; }

.cta-band { background: var(--cream); border-radius: 18px; padding: 40px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { font-size: 1.7rem; margin: 0 0 6px; }
.cta-band p { margin: 0; color: var(--muted); }

.faq details { border: 1px solid var(--line); border-radius: 12px; padding: 0 20px; margin-bottom: 10px; background: #fff; }
.faq summary { cursor: pointer; padding: 18px 0; font-weight: 600; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.3rem; line-height: 1; color: var(--teal); }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { color: var(--muted); padding-bottom: 6px; }

.checklist { list-style: none; padding: 0 !important; }
.checklist li { position: relative; padding-left: 30px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 5px; width: 16px; height: 16px; border-radius: 4px; background: var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='white' stroke-width='2'/%3E%3C/svg%3E") center/12px no-repeat; }

.glossary dt { font-weight: 650; margin-top: 16px; }
.glossary dd { margin: 4px 0 0; color: var(--muted); }

.bio { display: grid; grid-template-columns: 300px 1fr; gap: 48px; align-items: start; }
.headshot { aspect-ratio: 4 / 5; border-radius: 18px; background: url("../images/headshot.jpg") center top / cover no-repeat, linear-gradient(160deg, var(--mint-soft), #c9e3de); display: grid; place-items: center; color: var(--teal-dark); font-size: .85rem; text-align: center; padding: 20px; }

.notice { max-width: 640px; margin: 0 auto; text-align: center; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.75); padding: 40px 0 28px; font-size: .84rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,.12); }
.site-footer h4 { color: #fff; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
.site-footer a { color: rgba(255,255,255,.8); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 20px; font-size: .78rem; }

/* ---------- Mobile call button ---------- */
.call-fab { display: none; }
@media (max-width: 760px) {
  .call-fab {
    position: fixed; right: 16px; bottom: calc(16px + env(safe-area-inset-bottom)); z-index: 30;
    display: inline-flex; align-items: center; gap: 8px; padding: 14px 20px; border-radius: 999px;
    background: var(--teal-dark); color: #fff; font: 600 .95rem/1 var(--sans); text-decoration: none;
    box-shadow: 0 10px 24px rgba(5,20,35,.3);
  }
  .call-fab:hover { background: var(--navy); color: #fff; }
  .call-fab svg { width: 18px; height: 18px; }
  .site-footer { padding-bottom: 96px; }
}

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero { padding: 120px 0 110px; }
  .hero-grid, .split, .contact-grid, .with-sidebar, .bio { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .sidebar { position: static; }
  .bio .headshot { max-width: 280px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 620px) {
  .section { padding: 64px 0; }
  .card-grid, .form-row, .checks, .footer-grid { grid-template-columns: 1fr; }
  .contact-card, .form-card, .cta-band { padding: 26px; }
  .quiz-foot { flex-direction: column; align-items: stretch; }
  .quiz-foot small { max-width: none; }
  .brand-name { font-size: 1.1rem; }
  .brand-logo { height: 36px; }
  .brand { gap: 10px; }
}