/* =========================================================
   Best Insurance Deals — Design System
   Concept: the "policy slip" — trust conveyed the way an
   insurance document itself conveys it: a seal, a ledger-like
   rhythm, hairline rules, perforated dividers between sections.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Lora:wght@500;600;700&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  --ink:#10233d;        /* primary navy - headlines, header */
  --ink-soft:#1a3a5c;    /* secondary navy */
  --paper:#faf8f3;       /* warm paper background */
  --paper-2:#f2ede0;     /* slightly deeper paper for alt sections */
  --gold:#c8912b;        /* seal / stamp accent */
  --gold-deep:#a97418;
  --blue:#2f5fa8;        /* auto / links */
  --green:#2f7d5c;       /* approved / savings */
  --line:#e0d8c4;        /* hairline warm border */
  --text:#1c2733;
  --muted:#5c6672;
  --white:#ffffff;

  --font-display:'Lora', Georgia, serif;
  --font-body:'Inter', -apple-system, Segoe UI, Arial, sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:var(--font-body);
  color:var(--text);
  background:var(--paper);
  line-height:1.6;
}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.container{max-width:1140px;margin:0 auto;padding:0 24px;}
ul{list-style:none;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 26px;border-radius:8px;font-weight:700;font-size:.95rem;
  cursor:pointer;border:2px solid transparent;font-family:var(--font-body);
  transition:transform .12s ease, box-shadow .12s ease;
  min-height:48px;
}
.btn:hover{transform:translateY(-1px);}
.btn-call{background:var(--gold);color:var(--ink);box-shadow:0 4px 0 var(--gold-deep);}
.btn-call:hover{box-shadow:0 5px 0 var(--gold-deep);}
.btn-call:active{transform:translateY(2px);box-shadow:0 2px 0 var(--gold-deep);}
.btn-primary{background:var(--green);color:#fff;}
.btn-primary:hover{background:#256349;}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--ink);}
.btn-outline:hover{background:var(--ink);color:#fff;}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.5);}
.btn-outline-light:hover{background:rgba(255,255,255,.12);border-color:#fff;}
.btn-block{width:100%;}
.btn-sm{padding:10px 18px;font-size:.85rem;min-height:40px;}
.btn svg{width:16px;height:16px;flex-shrink:0;}

/* ---------- Header ---------- */
header.site-header{
  background:var(--ink);
  position:sticky;top:0;z-index:100;
  border-bottom:3px solid var(--gold);
}
.topbar{
  background:var(--ink-soft);color:#cfe0d8;font-size:.78rem;
  padding:6px 0;text-align:center;letter-spacing:.02em;
}
.topbar strong{color:var(--gold);}
.nav-wrap{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 24px;max-width:1140px;margin:0 auto;gap:16px;flex-wrap:wrap;
}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:1.3rem;color:#fff;}
.logo-mark{
  width:38px;height:38px;border-radius:50%;background:var(--gold);
  display:flex;align-items:center;justify-content:center;color:var(--ink);
  font-family:var(--font-body);font-weight:800;font-size:1rem;flex-shrink:0;
}
.logo span{color:var(--gold);}
.nav-links{display:flex;gap:24px;flex-wrap:wrap;}
.nav-links a{font-weight:600;color:#dbe4f0;font-size:.92rem;transition:color .15s;}
.nav-links a:hover, .nav-links a.active{color:var(--gold);}
.nav-cta{display:flex;align-items:center;gap:14px;}
.phone-pill{
  font-weight:700;color:#fff;font-size:1rem;white-space:nowrap;display:flex;align-items:center;gap:6px;
}
.phone-pill svg{width:18px;height:18px;color:var(--gold);}

/* ---------- Mobile nav toggle ---------- */
.nav-toggle{
  display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;
  width:44px;height:44px;background:transparent;border:none;cursor:pointer;padding:8px;
  border-radius:8px;flex-shrink:0;
}
.nav-toggle:hover{background:rgba(255,255,255,.08);}
.nav-toggle span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:transform .2s ease, opacity .2s ease;}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-toggle.open span:nth-child(2){opacity:0;}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.nav-links-call{display:none;}

@media(max-width:880px){
  .nav-wrap{padding:14px 20px;}
  .logo{order:1;}
  .nav-toggle{display:flex;order:2;}
  .nav-cta{display:none;}
  .nav-links{
    display:none;order:4;width:100%;
    flex-direction:column;gap:0;
    background:var(--ink-soft);
    border-radius:10px;margin-top:14px;overflow:hidden;
  }
  .nav-links.open{display:flex;}
  .nav-links li{width:100%;border-bottom:1px solid rgba(255,255,255,.08);}
  .nav-links li:last-child{border-bottom:none;}
  .nav-links a{display:block;padding:14px 16px;}
  .nav-links-call{display:block;padding:14px 16px;}
  .nav-links-call a{padding:0;}
}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(180deg,var(--ink) 0%, var(--ink) 62%, var(--paper) 62%);padding:64px 0 0;}
.hero-flex{display:flex;align-items:center;gap:48px;padding-bottom:70px;}
.hero-copy{flex:1 1 520px;}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  color:var(--gold);font-weight:700;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;
  margin-bottom:16px;
}
.eyebrow::before{content:'';width:26px;height:2px;background:var(--gold);display:inline-block;}
.hero h1{font-family:var(--font-display);font-size:2.5rem;line-height:1.18;color:#fff;margin-bottom:16px;}
.hero h1 em{font-style:normal;color:var(--gold);}
.hero p.lead{color:#c3d0e0;max-width:560px;margin-bottom:26px;font-size:1.08rem;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px;}
.fine-print{font-size:.76rem;color:#8b98ab;max-width:620px;line-height:1.55;}
.hero-art{flex:1 1 360px;max-width:400px;display:flex;justify-content:center;}
.hero-art img{width:100%;height:auto;max-width:340px;}
@media(max-width:900px){
  .hero-flex{flex-direction:column;padding-bottom:50px;}
  .hero-art{order:-1;max-width:240px;}
  .hero h1{font-size:2rem;}
}

/* stat strip under hero */
.stat-strip{
  background:var(--white);border:1px solid var(--line);border-radius:12px;
  margin-top:-46px;position:relative;z-index:5;
  display:flex;flex-wrap:wrap;box-shadow:0 10px 30px rgba(16,35,61,.08);
}
.stat-strip .stat{
  flex:1 1 200px;text-align:center;padding:22px 16px;
  border-right:1px solid var(--line);
}
.stat-strip .stat:last-child{border-right:none;}
.stat-num{font-family:var(--font-display);font-weight:700;font-size:1.5rem;color:var(--ink);}
.stat-label{font-size:.82rem;color:var(--muted);margin-top:2px;}

/* ---------- Section basics ---------- */
.section{padding:64px 0;}
.section-alt{background:var(--paper-2);}
.section-head{text-align:center;max-width:640px;margin:0 auto 42px;}
.section-head .eyebrow{justify-content:center;}
.section-head h2{font-family:var(--font-display);font-size:2rem;color:var(--ink);margin-bottom:10px;}
.section-head p{color:var(--muted);font-size:1.02rem;}

/* perforated divider — a torn policy-slip edge between sections */
.perforation{
  height:18px;
  background-image:radial-gradient(circle, var(--paper) 3.5px, transparent 3.6px);
  background-size:22px 22px;background-position:center;
  background-color:var(--ink);
}
.perforation.to-alt{background-color:var(--paper);}
.perforation.alt-to-plain{background-color:var(--paper-2);}

/* ---------- Card grids ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

/* Insurance type card */
.type-card{
  background:var(--white);border:1px solid var(--line);border-radius:14px;
  padding:28px 24px;display:flex;flex-direction:column;gap:14px;
  transition:box-shadow .15s ease, transform .15s ease;
}
.type-card:hover{box-shadow:0 12px 28px rgba(16,35,61,.1);transform:translateY(-3px);}
.type-card .type-icon{width:56px;height:56px;border-radius:12px;}
.type-card h3{font-family:var(--font-display);font-size:1.25rem;color:var(--ink);}
.type-card .type-desc{color:var(--muted);font-size:.92rem;}
.type-benefits{display:flex;flex-direction:column;gap:8px;margin:4px 0 6px;}
.type-benefits li{
  display:flex;align-items:flex-start;gap:8px;font-size:.88rem;color:var(--text);
}
.type-benefits li::before{
  content:'✓';color:var(--green);font-weight:800;flex-shrink:0;
}
.type-card .btn{margin-top:auto;}

/* Benefit / feature tile */
.benefit-tile{
  background:var(--white);border:1px solid var(--line);border-radius:12px;
  padding:24px;display:flex;gap:16px;align-items:flex-start;
}
.benefit-tile .benefit-icon{
  width:46px;height:46px;border-radius:10px;flex-shrink:0;
}
.benefit-tile h3{font-family:var(--font-display);font-size:1.05rem;color:var(--ink);margin-bottom:4px;}
.benefit-tile p{color:var(--muted);font-size:.9rem;}

/* Steps (how it works) */
.steps{display:flex;flex-direction:column;gap:0;max-width:680px;margin:0 auto;}
.step{
  display:flex;gap:20px;padding:22px 0;border-bottom:1px dashed var(--line);
}
.step:last-child{border-bottom:none;}
.step-num{
  font-family:var(--font-display);font-weight:700;color:var(--gold);
  font-size:1.6rem;width:48px;flex-shrink:0;
}
.step h3{color:var(--ink);margin-bottom:4px;font-size:1.08rem;font-family:var(--font-display);}
.step p{color:var(--muted);font-size:.94rem;}

/* Carrier grid */
.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;text-align:center;}
@media(max-width:700px){.carrier-grid{grid-template-columns:repeat(2,1fr);}}
.carrier-grid div{
  background:var(--white);border:1px solid var(--line);border-radius:8px;
  padding:18px 10px;font-weight:600;color:var(--ink);font-size:.88rem;
}
.disclaimer-box{
  font-size:.76rem;color:#8b8378;background:var(--paper-2);
  border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin-top:24px;
}

/* ---------- Seal graphic ---------- */
.seal-wrap{position:relative;}
.seal-wrap img{filter:drop-shadow(0 14px 30px rgba(0,0,0,.35));}

/* ---------- CTA banner ---------- */
.cta-banner{
  background:var(--ink);color:#fff;padding:60px 0;text-align:center;
  background-image:radial-gradient(circle at 20% 20%, rgba(200,145,43,.12), transparent 45%);
}
.cta-banner .eyebrow{justify-content:center;}
.cta-banner h2{font-family:var(--font-display);color:#fff;margin-bottom:10px;font-size:1.7rem;}
.cta-banner p{color:#c3d0e0;margin-bottom:26px;}
.cta-banner .btn-call{font-size:1.1rem;padding:17px 36px;}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* ---------- Legal / policy pages ---------- */
.legal-content{max-width:760px;margin:0 auto;}
.legal-updated{color:var(--muted);font-size:.85rem;margin-bottom:30px;}
.legal-content h2{font-family:var(--font-display);color:var(--ink);font-size:1.35rem;margin:34px 0 12px;}
.legal-content h2:first-of-type{margin-top:0;}
.legal-content p{color:var(--text);font-size:.97rem;margin-bottom:14px;}
.legal-content ul{margin:0 0 14px 4px;display:flex;flex-direction:column;gap:8px;}
.legal-content ul li{position:relative;padding-left:20px;color:var(--text);font-size:.95rem;}
.legal-content ul li::before{content:'—';position:absolute;left:0;color:var(--gold-deep);font-weight:700;}
.legal-content a{color:var(--blue);font-weight:600;}
.legal-content strong{color:var(--ink);}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--line);padding:20px 0;}
.faq-item h3{color:var(--ink);font-size:1.05rem;margin-bottom:8px;font-family:var(--font-display);}
.faq-item p{color:var(--muted);font-size:.95rem;}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr;}}
form.lead-form{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:28px;}
form.lead-form label{display:block;font-weight:600;color:var(--ink);font-size:.88rem;margin:12px 0 6px;}
form.lead-form input,form.lead-form select,form.lead-form textarea{
  width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:8px;font-size:.95rem;
  font-family:var(--font-body);background:var(--paper);
}
form.lead-form input:focus,form.lead-form select:focus,form.lead-form textarea:focus{
  outline:2px solid var(--blue);outline-offset:1px;
}
form.lead-form button{margin-top:20px;width:100%;}
.contact-side-card{
  background:var(--white);border:1px solid var(--line);border-radius:14px;padding:26px;text-align:center;
}

/* ---------- Footer ---------- */
footer.site-footer{background:var(--ink); color:#b9c6d8;padding:56px 0 60px;}
.footer-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:30px;margin-bottom:36px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-brand .logo{margin-bottom:12px;}
.footer-brand p{max-width:320px;font-size:.9rem;color:#9fb0c6;}
.footer-cta{display:flex;flex-direction:column;gap:10px;align-items:flex-start;}
.footer-cta .phone-pill{font-size:1.2rem;}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-bottom:34px;}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;}.footer-top{flex-direction:column;}}
.footer-grid h4{color:#fff;margin-bottom:14px;font-size:.95rem;font-family:var(--font-display);}
.footer-grid li{margin-bottom:9px;font-size:.88rem;}
.footer-grid li a:hover{color:#fff;}
.footer-disclosure{
  border-top:1px solid rgba(255,255,255,.1);padding-top:22px;font-size:.76rem;color:#7e8fa6;line-height:1.65;
}
.footer-bottom{text-align:center;font-size:.76rem;color:#6e7e96;margin-top:20px;}

/* ---------- Sticky mobile call bar ---------- */
.mobile-call-bar{display:none;}
@media(max-width:720px){
  .mobile-call-bar{
    display:flex;position:fixed;bottom:0;left:0;right:0;z-index:200;
    background:var(--ink);border-top:3px solid var(--gold);padding:10px 14px;
    gap:10px;align-items:center;box-shadow:0 -8px 20px rgba(0,0,0,.15);
  }
  .mobile-call-bar a{flex:1;text-align:center;}
  .mobile-call-bar .btn-call{flex:1.3;}
  body{padding-bottom:78px;}
}

/* focus visibility */
a:focus-visible, button:focus-visible{outline:3px solid var(--blue);outline-offset:2px;}

/* ---------- Small-phone refinements ---------- */
@media(max-width:600px){
  .section{padding:44px 0;}
  .hero{padding:40px 0 0;}
  .hero h1{font-size:1.7rem;}
  .hero p.lead{font-size:1rem;}
  .section-head h2{font-size:1.5rem;}
  .cta-banner h2{font-size:1.35rem;}
  .hero-actions,.cta-actions{flex-direction:column;align-items:stretch;}
  .hero-actions .btn,.cta-actions .btn{width:100%;}
  .stat-strip{margin-top:-30px;}
  .stat-strip .stat{flex:1 1 50%;padding:16px 10px;}
  .footer-grid{grid-template-columns:1fr;gap:26px;}
  .footer-top{text-align:left;}
  .footer-cta{align-items:flex-start;}
  .type-card,.benefit-tile,.contact-side-card{padding:20px;}
  .legal-content h2{font-size:1.2rem;}
}