/* ===========================================================
   CoverMatch — design tokens
   Colors:   --navy (primary brand), --navy-deep (footer/bars),
             --green (accent/CTA), --ink (headings), --slate (body copy),
             --mist (section bg), --line (hairline borders), --white
   Type:     "Sora" for display/headings, "Inter" for body/UI
   =========================================================== */

:root {
  --navy: #163A63;
  --navy-deep: #0E2544;
  --navy-soft: #EAF0F7;
  --green: #2E9E52;
  --green-deep: #23803F;
  --ink: #10233F;
  --slate: #526174;
  --slate-light: #7C8AA0;
  --mist: #F3F6FA;
  --line: #DCE4EE;
  --white: #FFFFFF;

  --font-display: "Sora", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;

  --radius-sm: 6px;
  --radius-md: 10px;
  --container: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--slate);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  margin: 0 0 0.5em;
  line-height: 1.15;
  font-weight: 700;
}

p { margin: 0 0 1em; }

a { color: inherit; text-decoration: none; }

img { max-width: 100%; display: block; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  padding: 13px 26px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color .15s ease, border-color .15s ease, transform .1s ease;
}
.btn:active { transform: translateY(1px); }

.btn-green {
  background: var(--green);
  color: var(--white);
}
.btn-green:hover { background: var(--green-deep); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-deep); }

.btn-outline {
  background: transparent;
  border-color: var(--line);
  color: var(--ink);
}
.btn-outline:hover { border-color: var(--navy); }

.btn-block { width: 100%; }
.btn[disabled] { opacity: .55; cursor: not-allowed; }

/* ---------- Utility bar ---------- */
.utility-bar {
  background: var(--navy-deep);
  color: #C9D6E8;
  font-size: 0.83rem;
}
.utility-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 9px;
  padding-bottom: 9px;
  gap: 16px;
  flex-wrap: wrap;
}
.utility-bar a.phone {
  color: #7FDA9C;
  font-weight: 600;
}
.utility-bar .util-right { display: flex; gap: 18px; align-items: center; color: #9FB1C9; }

/* ---------- Header ---------- */
header.site-header {
  border-bottom: 1px solid var(--line);
}
header.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--ink);
}
.brand .mark {
  width: 34px; height: 34px;
  flex-shrink: 0;
}
.brand .logo-img {
  height: 34px;
  width: auto;
  display: block;
}
.brand small {
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.6rem;
  letter-spacing: 0.04em;
  color: var(--green-deep);
}
.footer-brand .logo-chip {
  display: inline-flex;
  align-items: center;
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  margin-bottom: 14px;
}
.footer-brand .logo-chip .logo-img { height: 28px; }
nav.main-nav {
  display: flex;
  gap: 28px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--slate);
}
nav.main-nav a:hover { color: var(--navy); }
.header-cta { display: flex; align-items: center; gap: 18px; }
.nav-toggle { display: none; }

/* ---------- Hero ---------- */
.hero {
  background: var(--navy-soft);
  padding: 56px 0 64px;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: start;
}
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 7px 16px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink);
}
.pill-note {
  display: block;
  font-size: 0.75rem;
  color: var(--slate-light);
  margin: 10px 0 20px;
}
.hero h1 { font-size: 2.6rem; max-width: 12ch; }
.hero .tagline {
  color: var(--green-deep);
  font-weight: 700;
  margin-bottom: 10px;
}
.hero .lede { font-size: 1.02rem; max-width: 48ch; }

.callout {
  background: var(--white);
  border-left: 4px solid var(--green);
  border-radius: 4px;
  padding: 16px 18px;
  font-size: 0.92rem;
  color: var(--ink);
  margin: 22px 0;
}
.callout strong { display: block; margin-bottom: 2px; }

.hero-call {
  margin: 22px 0 8px;
}
.hero-call .helper {
  font-size: 0.9rem;
  margin-top: 10px;
  color: var(--slate);
}
.hero-fineprint {
  font-size: 0.78rem;
  color: var(--slate-light);
  max-width: 56ch;
  margin: 18px 0 26px;
}

.trust-row { display: flex; flex-direction: column; gap: 10px; }
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.88rem;
  color: var(--slate);
}
.trust-item strong { color: var(--ink); }
.trust-item .icon { color: var(--green-deep); flex-shrink: 0; margin-top: 2px; }

/* ---------- Quote card ---------- */
.quote-card {
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: 0 20px 40px -18px rgba(14,37,68,.28);
  border: 1px solid var(--line);
}
.quote-card__head {
  background: var(--navy);
  color: var(--white);
  padding: 20px 24px;
}
.quote-card__head h3 { color: var(--white); font-size: 1.05rem; margin-bottom: 12px; }
.progress-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
  margin-bottom: 10px;
}
.progress-track span { height: 4px; border-radius: 2px; background: rgba(255,255,255,.25); }
.progress-track span.done { background: var(--green); }
.step-label { font-size: 0.78rem; color: #C9D6E8; }

.quote-card__body { padding: 24px; }
.quote-card__body > p.q { font-weight: 600; color: var(--ink); margin-bottom: 14px; }

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}
.coverage-opt {
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px 8px;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink);
  background: var(--white);
  cursor: pointer;
  transition: border-color .15s ease, background .15s ease;
}
.coverage-opt svg { margin: 0 auto 8px; display: block; color: var(--navy); }
.coverage-opt:hover { border-color: var(--navy); }
.coverage-opt.selected { border-color: var(--green); background: #F1FAF3; }
.coverage-opt.selected svg { color: var(--green-deep); }

.quote-fields { display: grid; gap: 12px; margin-bottom: 18px; }
.field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
}
.field input, .field select {
  width: 100%;
  font-family: var(--font-body);
  font-size: 0.92rem;
  padding: 11px 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  color: var(--ink);
  background: var(--white);
}
.field input:focus, .field select:focus, .coverage-opt:focus-visible, a:focus-visible, button:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 2px;
}

.quote-card__foot {
  text-align: center;
  font-size: 0.78rem;
  color: var(--slate-light);
  margin-top: 12px;
}

.quote-success { text-align: center; padding: 12px 0 4px; }
.quote-success .icon-circle {
  width: 52px; height: 52px; border-radius: 50%;
  background: #E7F7EC; color: var(--green-deep);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.quote-success h3 { margin-bottom: 8px; }

/* ---------- Trust strip ---------- */
.trust-strip { padding: 56px 0; }
.trust-strip .grid-3 { text-align: center; }
.trust-strip .icon-badge {
  width: 56px; height: 56px;
  border-radius: var(--radius-sm);
  background: var(--mist);
  color: var(--green-deep);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.trust-strip h3 { font-size: 1.05rem; }
.trust-strip p { font-size: 0.9rem; margin: 0; }

/* ---------- Generic grids/sections ---------- */
.section { padding: 64px 0; }
.section-mist { background: var(--mist); }
.section-head { text-align: center; max-width: 620px; margin: 0 auto 36px; }
.section-head h2 { font-size: 1.9rem; }
.section-head p { color: var(--slate); }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }

.carrier-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 24px 12px;
  text-align: center;
  font-weight: 700;
  color: var(--ink);
  font-size: 0.95rem;
}

.trademark-note {
  font-size: 0.78rem;
  color: var(--slate-light);
  text-align: center;
  max-width: 760px;
  margin: 28px auto 0;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

.steps-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; text-align: center; }
.step-icon {
  width: 60px; height: 60px;
  border-radius: var(--radius-sm);
  background: var(--mist);
  color: var(--green-deep);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.step-eyebrow { color: var(--green-deep); font-weight: 700; font-size: 0.82rem; margin-bottom: 6px; }
.steps-row h3 { font-size: 1.1rem; }
.steps-row p { font-size: 0.9rem; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--navy-deep);
  color: var(--white);
  text-align: center;
  padding: 56px 0;
}
.cta-banner h2 { color: var(--white); font-size: 1.7rem; }
.cta-banner p { color: #C9D6E8; margin-bottom: 24px; }

/* ---------- Disclosure ---------- */
.disclosure {
  border-left: 4px solid var(--green);
  background: var(--mist);
  border-radius: 4px;
  padding: 18px 22px;
  font-size: 0.88rem;
  color: var(--slate);
  margin: 40px auto;
  max-width: var(--container);
}
.disclosure strong { color: var(--ink); }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-deep);
  color: #A9B9D0;
  font-size: 0.88rem;
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
  gap: 36px;
  margin-bottom: 36px;
}
.footer-grid h4 {
  color: var(--white);
  font-size: 0.85rem;
  letter-spacing: 0.02em;
  margin-bottom: 14px;
}
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.footer-grid a:hover { color: var(--white); }
.footer-brand .brand { color: var(--white); margin-bottom: 10px; }
.footer-brand p { color: #93A5BF; }
.footer-brand .legal-line { color: #C9D6E8; font-weight: 600; margin-top: 14px; }
.footer-contact li { display: flex; gap: 8px; align-items: flex-start; }
.footer-contact .icon { flex-shrink: 0; margin-top: 2px; color: var(--green); }

.footer-fineprint {
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 24px;
  font-size: 0.78rem;
  color: #7E90A9;
}
.footer-fineprint p { margin-bottom: 12px; }
.footer-bottom {
  text-align: center;
  font-size: 0.78rem;
  color: #6E8099;
  margin-top: 20px;
}

/* ---------- Legal pages ---------- */
.legal-hero {
  background: var(--navy-soft);
  padding: 44px 0;
}
.legal-hero h1 { font-size: 2.1rem; margin-bottom: 6px; }
.legal-hero p { color: var(--slate); margin: 0; }
.legal-body { padding: 48px 0 72px; }
.legal-body .container { max-width: 820px; }
.legal-body h2 { font-size: 1.25rem; margin-top: 2em; }
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body ul { padding-left: 1.2em; }
.legal-body li { margin-bottom: 0.5em; }
.legal-updated {
  font-size: 0.85rem;
  color: var(--slate-light);
  margin-bottom: 28px;
}
.legal-toc {
  background: var(--mist);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  margin-bottom: 8px;
}
.legal-toc h2 { font-size: 0.95rem; margin: 0 0 10px; }
.legal-toc ol { margin: 0; padding-left: 1.1em; columns: 2; gap: 24px; font-size: 0.9rem; }
.legal-toc li { margin-bottom: 6px; break-inside: avoid; }
.legal-toc a:hover { color: var(--navy); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .legal-toc ol { columns: 1; }
}
@media (max-width: 640px) {
  nav.main-nav { display: none; }
  .utility-bar .util-right { display: none; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 2rem; }
}

@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}