/**
 * Premium insurance layout system v6
 * Trust-first hierarchy · senior-readable · less affiliate/template
 */

:root {
  --brand-ink: #0b1f3a;
  --brand-navy: #132f56;
  --brand-blue: #1a4a8a;
  --brand-surface: #f4f7fb;
  --brand-card: #ffffff;
  --brand-line: #d8e0ec;
  --brand-muted: #5b6b82;
  --brand-cta: #c2410c;
  --brand-cta-hover: #9a3412;
  --brand-success: #0f766e;
  --type-display: "Source Serif 4", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --type-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --space-section: clamp(3rem, 5vw, 5rem);
  --max-read: 42rem;
}

/* —— Base readability —— */
html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--type-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--brand-ink);
  background: #fff;
}

h1, h2, h3, .logo-name, .form-header h2, .quotes-header h2 {
  letter-spacing: -0.02em;
  color: var(--brand-ink);
}

h1 {
  font-size: clamp(1.85rem, 4vw, 2.75rem);
  line-height: 1.15;
  font-weight: 750;
}

h2 {
  font-size: clamp(1.45rem, 2.6vw, 2rem);
  line-height: 1.25;
  font-weight: 700;
}

h3 {
  font-size: 1.15rem;
  font-weight: 650;
}

.container {
  max-width: 1120px;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

/* —— Header: calmer, less SaaS-pill —— */
.site-header {
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--brand-line);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.8), 0 8px 24px rgba(11, 31, 58, 0.04);
}

.site-header::after {
  height: 3px;
  background: linear-gradient(90deg, var(--brand-navy), var(--brand-blue), #c9a227);
  opacity: 1;
}

.top-bar {
  background: var(--brand-ink);
  font-size: 0.8125rem;
  letter-spacing: 0.01em;
}

.logo-name {
  font-weight: 750;
  color: var(--brand-ink);
  font-size: 1.2rem;
}

.logo-name-accent {
  color: var(--brand-blue);
}

.logo-tagline {
  color: var(--brand-muted);
  font-size: 0.72rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.header-nav .nav-link {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--brand-navy);
}

.header-nav .nav-link.active,
.header-nav .nav-link:hover {
  color: var(--brand-blue);
}

.cta-button {
  background: var(--brand-cta);
  background-image: none;
  box-shadow: 0 6px 16px rgba(194, 65, 12, 0.28);
  font-weight: 700;
  border-radius: 10px;
  padding: 0.7rem 1.15rem;
}

.cta-button:hover {
  background: var(--brand-cta-hover);
  filter: none;
}

/* Trust strip under header */
.trust-proof-bar {
  background: var(--brand-surface);
  border-bottom: 1px solid var(--brand-line);
  padding: 0.65rem 0;
}

.trust-proof-bar .container {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem 1.25rem;
  align-items: center;
  justify-content: center;
}

.trust-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.8125rem;
  font-weight: 650;
  color: var(--brand-navy);
  background: #fff;
  border: 1px solid var(--brand-line);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  box-shadow: 0 1px 2px rgba(11, 31, 58, 0.04);
}

.trust-chip svg,
.trust-chip .chip-mark {
  width: 14px;
  height: 14px;
  color: var(--brand-success);
  flex-shrink: 0;
}

.chip-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  color: #fff;
  background: var(--brand-success);
  border-radius: 50%;
  width: 16px;
  height: 16px;
  line-height: 1;
}

/* —— Process steps (conversion scaffolding) —— */
.process-strip {
  padding: var(--space-section) 0;
  background: #fff;
  border-bottom: 1px solid var(--brand-line);
}

.process-strip .section-kicker {
  text-align: center;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brand-blue);
  margin-bottom: 0.5rem;
}

.process-strip h2 {
  text-align: center;
  margin-bottom: 0.5rem;
}

.process-strip .section-lead {
  text-align: center;
  max-width: 36rem;
  margin: 0 auto 2rem;
  color: var(--brand-muted);
  font-size: 1.05rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  max-width: 960px;
  margin: 0 auto;
}

.process-step {
  background: var(--brand-surface);
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  padding: 1.35rem 1.25rem;
  text-align: left;
  position: relative;
}

.process-step .step-num {
  display: inline-flex;
  width: 2rem;
  height: 2rem;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--brand-navy);
  color: #fff;
  font-weight: 800;
  font-size: 0.9rem;
  margin-bottom: 0.75rem;
}

.process-step h3 {
  margin: 0 0 0.4rem;
  font-size: 1.05rem;
}

.process-step p {
  margin: 0;
  color: var(--brand-muted);
  font-size: 0.95rem;
  line-height: 1.5;
}

/* —— Hero —— */
.hero {
  min-height: auto;
  padding: 2.75rem 0 3rem;
  background-color: var(--brand-ink);
}

.hero::before {
  background: linear-gradient(
    135deg,
    rgba(11, 31, 58, 0.96) 0%,
    rgba(19, 47, 86, 0.92) 50%,
    rgba(11, 31, 58, 0.95) 100%
  );
}

.hero h1 {
  font-size: clamp(1.9rem, 4.2vw, 2.85rem);
  text-shadow: 0 2px 18px rgba(0, 0, 0, 0.35);
  max-width: 18ch;
}

.hero h1 span {
  color: #f0c14b;
  text-shadow: none;
}

.hero-subtitle {
  font-size: 1.1rem;
  max-width: 36rem;
  color: rgba(255, 255, 255, 0.92);
  text-shadow: none;
  font-weight: 450;
}

.trust-banner {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #fff;
  font-size: 0.85rem;
  font-weight: 650;
  padding: 0.45rem 0.85rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}

.hero-trust-signals {
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}

.hero-trust-signals > div,
.trust-signal-item {
  background: rgba(255, 255, 255, 0.08) !important;
  border: 1px solid rgba(255, 255, 255, 0.14) !important;
  color: #fff !important;
  font-size: 0.8rem !important;
  font-weight: 600 !important;
  border-radius: 8px !important;
  padding: 0.4rem 0.65rem !important;
}

.trust-badges {
  margin-bottom: 1.25rem;
}

.trust-badge {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 10px;
  font-size: 0.85rem;
}

/* Quote card: premium, not neon affiliate */
.lead-form {
  background: #fff !important;
  border: 1px solid rgba(255, 255, 255, 0.65) !important;
  border-radius: 18px !important;
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.35) !important;
  padding: 1.5rem 1.35rem 1.35rem !important;
}

.lead-form::before {
  content: "Instant multi-carrier quotes" !important;
  background: var(--brand-navy) !important;
  background-image: none !important;
  font-size: 0.7rem !important;
  letter-spacing: 0.06em !important;
  box-shadow: 0 6px 16px rgba(11, 31, 58, 0.35) !important;
}

.form-header h2 {
  font-size: 1.45rem !important;
  color: var(--brand-ink) !important;
}

.form-header p {
  color: var(--brand-muted) !important;
  font-size: 0.95rem !important;
}

.form-control {
  min-height: 48px;
  border: 1.5px solid var(--brand-line);
  border-radius: 10px;
  background: #fff;
  font-size: 1rem;
}

.form-control:focus {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 3px rgba(26, 74, 138, 0.18);
  outline: none;
}

.submit-btn {
  background: var(--brand-cta) !important;
  background-image: none !important;
  border-radius: 12px !important;
  min-height: 54px !important;
  font-size: 1.05rem !important;
  font-weight: 750 !important;
  box-shadow: 0 10px 22px rgba(194, 65, 12, 0.32) !important;
  text-shadow: none !important;
}

.submit-btn:hover {
  background: var(--brand-cta-hover) !important;
  filter: none !important;
}

.secondary-btn.btn-call,
a.secondary-btn.btn-call {
  background: var(--brand-success) !important;
  border-radius: 12px !important;
}

.form-privacy-note,
.tcpa-consent {
  font-size: 0.78rem;
  line-height: 1.45;
  color: var(--brand-muted);
  margin: 0.75rem 0 0;
  text-align: left;
}

.tcpa-consent a {
  color: var(--brand-blue);
  text-decoration: underline;
}

/* —— Content sections —— */
.coverage-options-section,
.content-section,
.stats-section {
  padding: var(--space-section) 0;
}

.section-header h2,
.text-center-sm h2,
.coverage-options-section h2 {
  text-align: center;
}

.section-subtitle,
.section-header p {
  color: var(--brand-muted);
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}

/* Link / resource cards: no emoji energy */
.link-card,
.edu-card,
.feature-card,
.calc-card,
.condition-card {
  background: #fff;
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  box-shadow: 0 4px 16px rgba(11, 31, 58, 0.04);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.link-card:hover,
.edu-card:hover,
.feature-card:hover,
.calc-card:hover {
  border-color: #b8c7db;
  box-shadow: 0 12px 28px rgba(11, 31, 58, 0.08);
  transform: translateY(-2px);
}

.link-card-title {
  font-size: 1.05rem !important;
  color: var(--brand-navy) !important;
}

.link-card-title--blue,
.link-card-title--green,
.link-card-title--purple,
.link-card-title--red {
  color: var(--brand-navy) !important;
}

.link-list a,
.footer-links a {
  color: var(--brand-blue);
}

/* Stats: restrained, not gaudy */
.stat-card {
  background: #fff;
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  box-shadow: none;
}

.stat-number {
  color: var(--brand-navy);
  font-weight: 800;
}

.stat-icon {
  background: var(--brand-surface) !important;
}

.stat-icon svg {
  fill: var(--brand-blue) !important;
  color: var(--brand-blue);
}

/* Plan type chips */
.plan-types-banner {
  background: var(--brand-surface);
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  padding: 1.25rem;
}

.plan-type-link {
  background: #fff !important;
  border: 1px solid var(--brand-line) !important;
  color: var(--brand-navy) !important;
  border-radius: 999px !important;
  font-weight: 650 !important;
}

.plan-type-link:hover {
  border-color: var(--brand-blue) !important;
  color: var(--brand-blue) !important;
}

/* Testimonials */
.testimonial-card {
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  background: #fff;
  box-shadow: none;
}

.testimonial-text {
  color: var(--brand-ink);
  font-size: 1rem;
}

.stars {
  color: #b45309;
  letter-spacing: 0.05em;
}

/* CTA band */
.cta-section {
  background: var(--brand-ink) !important;
  padding: var(--space-section) 0;
}

.cta-section h2,
.cta-content h2 {
  color: #fff !important;
}

.cta-content p {
  color: rgba(255, 255, 255, 0.85) !important;
}

.btn-primary {
  background: var(--brand-cta) !important;
  background-image: none !important;
  box-shadow: 0 8px 20px rgba(194, 65, 12, 0.3) !important;
  border-radius: 12px !important;
  font-weight: 750 !important;
}

.btn-secondary {
  background: transparent !important;
  border: 2px solid rgba(255, 255, 255, 0.55) !important;
  color: #fff !important;
  box-shadow: none !important;
  border-radius: 12px !important;
}

.cta-section .btn-secondary {
  border-color: rgba(255, 255, 255, 0.55) !important;
  color: #fff !important;
}

/* Footer */
.site-footer,
.footer {
  background: var(--brand-ink) !important;
  color: rgba(255, 255, 255, 0.88);
}

.footer-disclaimer,
.site-footer .footer-disclaimer {
  font-size: 0.75rem;
  line-height: 1.5;
  opacity: 0.75;
  max-width: 70rem;
}

/* Sitewide BackNine panel */
.sitewide-bn-quote {
  padding: var(--space-section) 0;
  background: linear-gradient(180deg, var(--brand-surface) 0%, #fff 70%);
  border-top: 1px solid var(--brand-line);
}

.sitewide-bn-card.lead-form {
  box-shadow: 0 16px 40px rgba(11, 31, 58, 0.1) !important;
  border: 1px solid var(--brand-line) !important;
}

.sitewide-bn-card .lead-form::before,
.sitewide-bn-quote .lead-form::before {
  content: "Licensed agents · Instant rates" !important;
  background: var(--brand-navy) !important;
}

/* Sticky CTA — restrained */
.sticky-mobile-cta .sticky-cta-quote {
  background: var(--brand-cta) !important;
  background-image: none !important;
}

.sticky-mobile-cta .sticky-cta-call {
  background: var(--brand-success) !important;
  background-image: none !important;
}

/* Carrier logos row */
.carrier-trust-section {
  padding: 2rem 0;
  background: #fff;
  border-block: 1px solid var(--brand-line);
}

.carrier-trust-heading {
  font-size: 0.85rem !important;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brand-muted) !important;
  font-weight: 700 !important;
  text-align: center;
  margin-bottom: 1.25rem !important;
}

.carrier-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 1.5rem 2.25rem;
  min-height: 56px;
  opacity: 0.92;
}

.carrier-logos img,
.carrier-logo {
  max-height: 40px !important;
  width: auto !important;
  object-fit: contain;
  filter: grayscale(0.15);
}

/* Compare-rates carrier cards */
.carrier-block,
.rate-card,
.compare-card {
  border: 1px solid var(--brand-line);
  border-radius: 16px;
  background: #fff;
  padding: 1.25rem;
}

.carrier-block.is-best,
.rate-card.best-value,
[class*="best-value"],
.best-value-badge {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 1px var(--brand-blue), 0 12px 28px rgba(26, 74, 138, 0.12);
}

/* FAQ */
.faq-accordion details,
.faq-container details {
  border: 1px solid var(--brand-line);
  border-radius: 12px;
  background: #fff;
  margin-bottom: 0.65rem;
  padding: 0.85rem 1rem;
}

/* Cookie — less aggressive */
.cookie-consent {
  background: rgba(11, 31, 58, 0.96) !important;
  border-radius: 12px 12px 0 0;
}

/* Responsive */
@media (max-width: 900px) {
  .process-grid {
    grid-template-columns: 1fr;
    max-width: 28rem;
  }

  .hero-content {
    grid-template-columns: 1fr !important;
    gap: 1.75rem !important;
  }

  .hero h1 {
    max-width: none;
  }

  body {
    font-size: 16px;
  }
}

@media (max-width: 768px) {
  .trust-proof-bar .container {
    justify-content: flex-start;
    overflow-x: auto;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
    padding-bottom: 0.15rem;
  }

  .trust-chip {
    white-space: nowrap;
  }
}