/* ==========================================================
   THE INSURANCE OFFICE — funnel page styles
   Mobile-first. No external frameworks/icon libraries.
   ========================================================== */

:root {
  --navy: #0b2545;
  --navy-dark: #071a33;
  --navy-light: #13355e;
  --gold: #d4a72c;
  --gold-dark: #b48a1e;
  --white: #ffffff;
  --off-white: #f5f7fa;
  --gray-100: #eef1f5;
  --gray-300: #cbd3dd;
  --gray-600: #5c6a7d;
  --text: #16233a;
  --success: #1e8a4c;
  --error: #c0392b;
  --radius: 10px;
  --shadow: 0 8px 24px rgba(11, 37, 69, 0.10);
  --max-width: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.55;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }
section { padding: 56px 0; }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 14px; color: var(--navy); }
h2 { font-size: clamp(1.6rem, 4vw, 2.25rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 14px; color: var(--gray-600); }
.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 8px;
}
.section-head { max-width: 640px; margin: 0 auto 36px; text-align: center; }
.section-head p { margin: 0 auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  white-space: nowrap;
}
.btn:active { transform: scale(0.98); }
.btn-primary { background: var(--gold); color: var(--navy-dark); }
.btn-primary:hover { background: var(--gold-dark); box-shadow: var(--shadow); }
.btn-outline { background: transparent; border-color: var(--white); color: var(--white); }
.btn-outline:hover { background: rgba(255,255,255,0.12); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-light); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 18px; font-size: 0.9rem; }

/* ---------- Sticky Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}
.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 12px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.logo { color: var(--white); font-weight: 800; font-size: 1.15rem; letter-spacing: -0.01em; }
.main-nav { display: none; gap: 22px; }
.main-nav a { color: var(--gray-300); font-weight: 600; font-size: 0.92rem; }
.main-nav a:hover { color: var(--white); }
.header-cta { display: flex; align-items: center; gap: 14px; }
.header-phone { display: none; align-items: center; gap: 6px; color: var(--white); font-weight: 700; font-size: 0.95rem; }
.header-phone svg { color: var(--gold); }
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-toggle span { display: block; height: 2px; background: var(--white); border-radius: 2px; }
.main-nav.open {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--navy);
  padding: 16px 20px 24px;
  gap: 16px;
  box-shadow: 0 8px 16px rgba(0,0,0,0.2);
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 56px 0 48px;
}
.hero-inner { display: grid; gap: 32px; align-items: center; }
.hero h1 { color: var(--white); font-size: clamp(1.9rem, 5vw, 2.9rem); margin-bottom: 16px; }
.hero .subhead { color: var(--gray-300); font-size: 1.08rem; max-width: 560px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0; }
.hero-microcopy { font-size: 0.85rem; color: var(--gray-300); }
.trust-badges { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 28px; }
.trust-badge { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; color: var(--gray-300); }
.trust-badge strong { color: var(--white); }
.hero-stars { color: var(--gold); letter-spacing: 2px; font-size: 1.1rem; }
.hero-form-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
  color: var(--text);
}
.hero-form-card h3 { margin-bottom: 4px; }
.hero-form-card .form-note { font-size: 0.82rem; color: var(--gray-600); margin-bottom: 16px; }

/* ---------- Trust Bar ---------- */
.trust-bar { background: var(--off-white); padding: 28px 0; }
.trust-bar-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 20px 32px;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.google-rating-pill {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: 999px;
  padding: 8px 18px;
  font-weight: 700;
  font-size: 0.95rem;
}
.google-rating-pill .stars { color: var(--gold-dark); letter-spacing: 1px; }
.carrier-logos { display: flex; flex-wrap: wrap; gap: 12px; }
.carrier-badge {
  border: 1px dashed var(--gray-300);
  border-radius: 6px;
  padding: 8px 14px;
  font-size: 0.78rem;
  color: var(--gray-600);
  font-weight: 600;
}

/* ---------- Pain / Benefit ---------- */
.pain-grid { display: grid; gap: 20px; }
.pain-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 24px;
  border-left: 4px solid var(--gold);
}
.pain-card .pain { color: var(--error); font-weight: 700; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 6px; }
.pain-card h3 { margin-bottom: 8px; }

/* ---------- Services Grid ---------- */
.services-grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.service-card {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 26px 22px;
  text-align: left;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.service-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--off-white);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.service-card h3 { margin-bottom: 6px; }
.service-card .micro-cta { display: inline-block; margin-top: 10px; font-weight: 700; color: var(--navy); font-size: 0.9rem; }
.service-card .micro-cta:hover { color: var(--gold-dark); }

/* ---------- Process ---------- */
.process-section { background: var(--off-white); }
.process-grid { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.process-step { text-align: center; }
.process-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.1rem;
  margin: 0 auto 14px;
}

/* ---------- Reviews ---------- */
.reviews-note { text-align: center; font-size: 0.82rem; color: var(--gray-600); margin-top: -20px; margin-bottom: 32px; }
.reviews-grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.review-card {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 22px;
  background: var(--white);
}
.review-card .stars { color: var(--gold-dark); letter-spacing: 1px; margin-bottom: 10px; }
.review-card .review-author { font-weight: 700; }
.review-card .review-meta { font-size: 0.78rem; color: var(--gray-600); margin-bottom: 10px; }
.review-card .review-text { font-size: 0.94rem; color: var(--text); margin-bottom: 0; }
.review-card .review-link { font-size: 0.85rem; font-weight: 700; color: var(--navy); }

.reviews-strip { margin-top: 28px; }
.reviews-strip-label { font-size: 0.85rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.reviews-strip-list { display: flex; flex-wrap: wrap; gap: 10px; }
.reviews-strip-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--gray-100);
  border-radius: 999px;
  padding: 8px 16px;
  background: var(--off-white);
  font-size: 0.85rem;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.reviews-strip-chip:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.reviews-strip-chip .stars { color: var(--gold-dark); letter-spacing: 1px; font-size: 0.8rem; }
.reviews-strip-chip .chip-author { font-weight: 700; color: var(--navy); }
.reviews-strip-chip .chip-meta { color: var(--gray-600); font-size: 0.78rem; }

/* ---------- Map ---------- */
.map-wrap { display: grid; gap: 20px; }
.map-frame { width: 100%; height: 340px; border: 0; border-radius: var(--radius); }
.map-info { background: var(--off-white); border-radius: var(--radius); padding: 24px; }
.map-info p { margin-bottom: 8px; }

/* ---------- Comparison ---------- */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
.compare-table { width: 100%; border-collapse: collapse; min-width: 520px; background: var(--white); }
.compare-table th, .compare-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--gray-100); font-size: 0.92rem; }
.compare-table thead th { background: var(--navy); color: var(--white); font-size: 0.85rem; }
.compare-table td.yes { color: var(--success); font-weight: 700; }
.compare-table td.no { color: var(--gray-600); }
.compare-table tbody tr:last-child td { border-bottom: 0; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--gray-100); }
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 18px 4px;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  cursor: pointer;
}
.faq-question .plus { font-size: 1.4rem; color: var(--gold-dark); transition: transform 0.2s ease; flex-shrink: 0; }
.faq-item.open .plus { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.25s ease; }
.faq-answer p { padding: 0 4px 18px; margin: 0; }
.faq-item.open .faq-answer { max-height: 400px; }

/* ---------- Final CTA ---------- */
.final-cta { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%); color: var(--white); }
.final-cta .section-head h2 { color: var(--white); }
.final-cta .section-head p { color: var(--gray-300); }
.final-cta-grid { display: grid; gap: 32px; align-items: start; }
.final-cta-form {
  background: var(--white);
  color: var(--text);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.urgency-bar {
  background: rgba(212, 167, 44, 0.14);
  border: 1px solid rgba(212, 167, 44, 0.4);
  color: var(--gold);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 20px;
}
.final-call-block { display: flex; flex-direction: column; gap: 16px; }
.final-call-block .call-now {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius);
  padding: 18px;
}
.final-call-block .call-now svg { color: var(--gold); flex-shrink: 0; }
.final-call-block .call-now .num { font-size: 1.2rem; font-weight: 800; }

/* ---------- Form fields ---------- */
.form-row { margin-bottom: 14px; }
.form-row label { display: block; font-size: 0.82rem; font-weight: 700; margin-bottom: 6px; color: var(--navy); }
.final-cta-form .form-row label { color: var(--navy); }
.hero-form-card .form-row label { color: var(--navy); }
input[type="text"], input[type="tel"], input[type="email"], select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: 8px;
  font-size: 0.95rem;
  font-family: inherit;
  background: var(--white);
  color: var(--text);
}
input:focus, select:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
.form-cols { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
.form-microcopy { font-size: 0.78rem; color: var(--gray-600); margin-top: 4px; text-align: center; }
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.form-status { display: none; padding: 10px 14px; border-radius: 8px; font-size: 0.88rem; margin-bottom: 14px; }
.form-status.show { display: block; }
.form-status.success { background: rgba(30, 138, 76, 0.12); color: var(--success); }
.form-status.error { background: rgba(192, 57, 43, 0.12); color: var(--error); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-dark); color: var(--gray-300); padding: 48px 0 0; }
.footer-inner { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.footer-col h3 { color: var(--white); }
.footer-col h4 { color: var(--white); font-size: 0.9rem; margin: 18px 0 10px; }
.footer-col p, .footer-col a { color: var(--gray-300); font-size: 0.9rem; }
.footer-col a { display: block; margin-bottom: 8px; }
.footer-col a:hover { color: var(--white); }
.footer-hours { list-style: none; padding: 0; margin: 0; font-size: 0.85rem; }
.footer-hours li { display: flex; justify-content: space-between; padding: 3px 0; border-bottom: 1px solid rgba(255,255,255,0.06); }
.footer-social { display: flex; gap: 14px; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 36px;
  padding: 20px;
  max-width: var(--max-width);
  margin-left: auto;
  margin-right: auto;
  font-size: 0.78rem;
  color: var(--gray-300);
}
.footer-disclaimer { font-size: 0.75rem; color: #8fa0b8; margin-top: 8px; margin-bottom: 0; }

/* ---------- Sticky mobile call bar ---------- */
.mobile-call-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 90;
  display: flex;
  background: var(--gold);
}
.mobile-call-bar a {
  flex: 1;
  text-align: center;
  padding: 14px 10px;
  font-weight: 800;
  color: var(--navy-dark);
  font-size: 0.95rem;
}
.mobile-call-bar a.quote { background: var(--navy); color: var(--white); }

/* ---------- Utility ---------- */
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }
.text-center { text-align: center; }

/* ==========================================================
   Breakpoints
   ========================================================== */
@media (min-width: 640px) {
  .form-cols { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 860px) {
  section { padding: 80px 0; }
  .main-nav { display: flex; }
  .header-phone { display: flex; }
  .nav-toggle { display: none; }
  .hero-inner { grid-template-columns: 1.1fr 0.9fr; gap: 48px; }
  .pain-grid { grid-template-columns: repeat(2, 1fr); }
  .map-wrap { grid-template-columns: 1.3fr 1fr; }
  .final-cta-grid { grid-template-columns: 1fr 1fr; }
  .mobile-call-bar { display: none; }
  body { padding-bottom: 0; }
}

@media (max-width: 859px) {
  body { padding-bottom: 58px; } /* room for sticky mobile call bar */
}