/* ============================================================
   FindInsureWise — Shared CSS
   Design system tokens + all reusable components
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Inter:wght@400;500;600;700&display=swap');

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --color-heading:    #1b2c20;
  --color-footer-bg:  #0d1f13;
  --color-action:     #2c5f3a;
  --color-eyebrow:    #3d6e42;
  --color-accent:     #3a6b3e;
  --color-gold:       #cf9010;
  --color-gold-hover: #b07a08;
  --color-gold-bg:    #fef6e7;
  --color-gold-border:#e8c98b;
  --color-bg-page:    #ffffff;
  --color-bg-section: #f5f7f4;
  --color-bg-card:    #ffffff;
  --color-border:     #d8e2d4;
  --color-text-1:     #2c3b2a;
  --color-text-2:     #5a6b58;
  --color-text-3:     #8a9b88;
  --font-serif:       "Playfair Display", Georgia, serif;
  --font-sans:        "Inter", system-ui, sans-serif;
  --radius-card:      20px;
  --radius-btn:       12px;
  --shadow-card:      0 12px 32px rgba(18,61,42,0.08);
  --shadow-card-sm:   0 8px 24px rgba(44,59,42,0.04);
  --max-w:            1200px;
  --section-pad:      88px 48px;
  --section-pad-sm:   64px 48px;
}

/* ── Reset ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: var(--font-sans); background: var(--color-bg-page); color: var(--color-text-1); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font-sans); border: none; background: none; }

/* ── Typography helpers ────────────────────────────────────── */
h1, h2, h3, h4 { font-family: var(--font-serif); color: var(--color-heading); line-height: 1.08; }
.eyebrow {
  display: block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-eyebrow);
  margin-bottom: 14px;
}
.section-title { font-size: 42px; font-weight: 600; margin-bottom: 16px; }
.section-sub   { font-size: 18px; line-height: 1.75; color: var(--color-text-2); margin-bottom: 40px; }

/* ── Layout ────────────────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 48px; }
.section   { padding: var(--section-pad); }
.section.alt { background: var(--color-bg-section); }
.section-header { margin-bottom: 48px; }
.section-header.centered { text-align: center; }

/* ── Buttons ───────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  height: 52px;
  padding: 0 28px;
  border-radius: var(--radius-btn);
  font-family: var(--font-sans);
  font-size: 16px;
  font-weight: 700;
  transition: background 0.2s, transform 0.15s, opacity 0.2s;
  white-space: nowrap;
  cursor: pointer;
  border: none;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold           { background: var(--color-gold); color: #fff; }
.btn-gold:hover     { background: var(--color-gold-hover); }
.btn-action         { background: var(--color-action); color: #fff; }
.btn-action:hover   { background: #224d2e; }
.btn-outline-green  { background: transparent; border: 1.5px solid var(--color-action); color: var(--color-action); }
.btn-outline-green:hover { background: #f0f7f3; }
.btn-outline-gold   { background: transparent; border: 1.5px solid var(--color-gold); color: var(--color-gold); }
.btn-outline-gold:hover  { background: var(--color-gold-bg); }
.btn-sm { height: 42px; padding: 0 20px; font-size: 14px; }
.btn-lg { height: 58px; padding: 0 36px; font-size: 17px; }

/* ── Header ────────────────────────────────────────────────── */
.site-header {
  height: 76px;
  background: #fff;
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
  display: flex;
  align-items: center;
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; width: 100%; }
.header-logo {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--color-heading);
  display: flex;
  align-items: center;
  gap: 8px;
}
.header-logo .logo-icon {
  width: 32px;
  height: 32px;
  background: var(--color-heading);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold);
  font-size: 16px;
  flex-shrink: 0;
}
.header-nav { display: flex; align-items: center; gap: 32px; }
.header-nav a { font-size: 15px; font-weight: 500; color: var(--color-text-2); transition: color 0.15s; }
.header-nav a:hover { color: var(--color-heading); }

/* ── Footer ────────────────────────────────────────────────── */
.site-footer {
  background: var(--color-footer-bg);
  color: #fff;
  padding: 72px 0 40px;
}
.site-footer .container { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr auto; gap: 40px; align-items: start; margin-bottom: 48px; }
.footer-brand-name { font-family: var(--font-serif); font-size: 22px; font-weight: 700; margin-bottom: 10px; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 20px; }
.footer-social { display: flex; gap: 12px; }
.footer-social a {
  width: 34px; height: 34px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; color: rgba(255,255,255,0.6);
  transition: border-color 0.15s, color 0.15s;
}
.footer-social a:hover { border-color: #fff; color: #fff; }
.footer-col-title { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 18px; }
.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,0.7); transition: color 0.15s; }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; text-align: center; font-size: 13px; color: rgba(255,255,255,0.35); }

/* ── Cards ─────────────────────────────────────────────────── */
.card {
  background: var(--color-bg-card);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 32px;
}
.card-bordered {
  background: var(--color-bg-card);
  border: 1px solid var(--color-border);
  border-radius: 18px;
  box-shadow: var(--shadow-card-sm);
  padding: 28px;
}
.icon-circle {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: #e8f0e9;
  border: 1px solid #b8d4bc;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  color: var(--color-accent);
  margin-bottom: 18px;
  flex-shrink: 0;
}
.card-title { font-size: 20px; font-weight: 600; color: var(--color-heading); margin-bottom: 10px; }
.card-body  { font-size: 15px; color: var(--color-text-2); line-height: 1.7; }
.card-link  { display: inline-block; margin-top: 14px; font-size: 14px; font-weight: 600; color: var(--color-eyebrow); }
.card-link:hover { text-decoration: underline; }

/* ── Card grid ─────────────────────────────────────────────── */
.card-grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.card-grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 28px; }

/* ── Step circle ───────────────────────────────────────────── */
.step-number {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--color-accent);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
  flex-shrink: 0;
}

/* ── Review card ───────────────────────────────────────────── */
.stars { color: var(--color-gold); letter-spacing: 3px; font-size: 16px; margin-bottom: 14px; }
.review-quote { font-size: 16px; line-height: 1.75; color: var(--color-text-1); font-style: italic; margin-bottom: 18px; }
.review-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--color-bg-section);
  border: 1px solid var(--color-border);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 15px; color: var(--color-action);
  flex-shrink: 0;
}
.author-name { font-size: 14px; font-weight: 700; color: var(--color-heading); }
.author-role { font-size: 13px; color: var(--color-text-3); }

/* ── Trust bullets ─────────────────────────────────────────── */
.trust-row { display: flex; flex-wrap: wrap; gap: 20px 28px; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 500; color: var(--color-text-2); }
.trust-check {
  width: 20px; height: 20px;
  border-radius: 50%;
  border: 1.5px solid var(--color-accent);
  color: var(--color-accent);
  font-size: 11px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.secure-note {
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; color: var(--color-text-3);
  margin-top: 12px;
}

/* ── Forms ─────────────────────────────────────────────────── */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 13px; font-weight: 600; color: var(--color-text-1); }
.form-field.full { grid-column: 1 / -1; }
.form-input {
  height: 54px;
  border: 1px solid #dde5de;
  border-radius: var(--radius-btn);
  padding: 0 18px;
  font-size: 15px;
  font-family: var(--font-sans);
  background: #fff;
  color: var(--color-text-1);
  outline: none;
  transition: border-color 0.2s;
}
.form-input::placeholder { color: var(--color-text-3); }
.form-input:focus { border-color: var(--color-action); box-shadow: 0 0 0 3px rgba(44,95,58,0.08); }
.form-textarea {
  min-height: 130px;
  padding: 14px 18px;
  resize: vertical;
  border: 1px solid #dde5de;
  border-radius: var(--radius-btn);
  font-size: 15px;
  font-family: var(--font-sans);
  background: #fff;
  color: var(--color-text-1);
  outline: none;
  transition: border-color 0.2s;
  grid-column: 1 / -1;
}
.form-textarea:focus { border-color: var(--color-action); }

/* ── Search bar ────────────────────────────────────────────── */
.search-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  height: 52px;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 999px;
  padding: 0 20px;
  font-size: 15px;
  color: var(--color-text-1);
  max-width: 560px;
}
.search-bar input {
  border: none; outline: none; background: transparent;
  flex: 1; font-size: 15px; font-family: var(--font-sans); color: var(--color-text-1);
}
.search-bar input::placeholder { color: var(--color-text-3); }
.search-icon { color: var(--color-text-3); font-size: 16px; }

/* ── Topic pills ───────────────────────────────────────────── */
.pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.pill {
  height: 36px; padding: 0 16px;
  border-radius: 999px;
  border: 1px solid var(--color-border);
  background: #fff;
  font-size: 14px; font-weight: 500;
  color: var(--color-text-2);
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s, color 0.15s;
}
.pill:hover, .pill.active {
  background: #e8f0e9;
  border-color: #b8d4bc;
  color: var(--color-heading);
}

/* ── Accordion ─────────────────────────────────────────────── */
.accordion { display: flex; flex-direction: column; gap: 8px; }
details.faq-item { border: 1px solid #e8edea; border-radius: 14px; background: #fff; overflow: hidden; }
details.faq-item summary {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px;
  font-size: 16px; font-weight: 500; color: var(--color-text-1);
  cursor: pointer;
  list-style: none;
  gap: 16px;
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after {
  content: '+';
  font-size: 22px; font-weight: 300;
  color: var(--color-accent);
  flex-shrink: 0;
  transition: transform 0.2s;
}
details[open].faq-item summary::after { content: '−'; }
.faq-answer { padding: 0 22px 20px; font-size: 15px; line-height: 1.8; color: var(--color-text-2); }

/* ── Newsletter band ───────────────────────────────────────── */
.newsletter-band {
  background: var(--color-bg-section);
  border: 1px solid var(--color-border);
  border-radius: 18px;
  padding: 28px 36px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.newsletter-icon {
  width: 52px; height: 52px;
  background: #e8f0e9;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}
.newsletter-copy { flex: 1; }
.newsletter-copy strong { display: block; font-size: 18px; font-weight: 700; color: var(--color-heading); margin-bottom: 4px; }
.newsletter-copy span  { font-size: 14px; color: var(--color-text-2); }
.newsletter-form { display: flex; gap: 10px; flex-shrink: 0; }
.newsletter-form input {
  height: 44px; width: 240px;
  border: 1px solid var(--color-border);
  border-radius: 10px;
  padding: 0 16px;
  font-size: 14px;
  font-family: var(--font-sans);
  outline: none;
}
.newsletter-form input:focus { border-color: var(--color-action); }

/* ── Comparison table ──────────────────────────────────────── */
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table th {
  padding: 14px 18px;
  font-size: 13px; font-weight: 700;
  text-align: center;
}
.comparison-table th.col-highlight {
  background: var(--color-heading);
  color: #fff;
  border-radius: 10px 10px 0 0;
}
.comparison-table td {
  padding: 13px 18px;
  font-size: 14px; color: var(--color-text-2);
  border-bottom: 1px solid #f0f4f1;
  vertical-align: middle;
}
.comparison-table td:first-child { color: var(--color-text-1); font-weight: 500; }
.comparison-table td.col-highlight { background: #f5f9f5; text-align: center; font-weight: 600; color: var(--color-accent); }
.comparison-table td.col-other  { text-align: center; color: var(--color-text-3); }
.check-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 22px; height: 22px;
  background: var(--color-accent); color: #fff;
  border-radius: 50%; font-size: 12px;
}
.dash { color: var(--color-text-3); font-size: 18px; }

/* ── TL;DR callout ─────────────────────────────────────────── */
.tldr-box {
  background: var(--color-gold-bg);
  border: 1px solid var(--color-gold-border);
  border-radius: 18px;
  padding: 28px 32px;
  margin-bottom: 48px;
}
.tldr-header { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.tldr-label { font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--color-gold); }
.tldr-items { display: flex; flex-direction: column; gap: 10px; }
.tldr-item { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--color-text-1); line-height: 1.6; }
.tldr-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--color-gold); margin-top: 8px; flex-shrink: 0; }

/* ── Mid-article CTA ───────────────────────────────────────── */
.mid-cta {
  background: #f8faf7;
  border: 1px solid var(--color-border);
  border-radius: 16px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin: 40px 0;
}
.mid-cta-text { font-size: 16px; color: var(--color-text-1); max-width: 480px; line-height: 1.6; }

/* ── Sidebar ───────────────────────────────────────────────── */
.sidebar {
  position: sticky;
  top: 96px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.sidebar-card { background: #fff; border: 1px solid var(--color-border); border-radius: 18px; padding: 24px; box-shadow: 0 4px 18px rgba(0,0,0,0.03); }
.sidebar-title { font-size: 16px; font-weight: 700; color: var(--color-heading); margin-bottom: 16px; }
.sidebar-links { display: flex; flex-direction: column; gap: 12px; }
.sidebar-links a { font-size: 14px; color: var(--color-text-2); display: flex; align-items: center; gap: 8px; }
.sidebar-links a:hover { color: var(--color-heading); }

/* ── Floating badge ────────────────────────────────────────── */
.floating-badge {
  position: absolute;
  bottom: -20px;
  left: -24px;
  background: var(--color-heading);
  color: #fff;
  border-radius: 16px;
  padding: 16px 20px;
  max-width: 240px;
  font-size: 14px;
  line-height: 1.5;
  box-shadow: 0 12px 32px rgba(0,0,0,0.2);
  display: flex;
  align-items: center;
  gap: 10px;
}
.floating-badge .badge-icon { font-size: 20px; color: var(--color-gold); flex-shrink: 0; }

/* ── Commitment card ───────────────────────────────────────── */
.commitment-item { display: flex; gap: 14px; padding: 18px 0; border-bottom: 1px solid #f0f4f1; }
.commitment-item:last-child { border-bottom: none; }
.commitment-icon { width: 40px; height: 40px; background: #e8f0e9; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; color: var(--color-accent); }
.commitment-title { font-size: 15px; font-weight: 700; color: var(--color-heading); margin-bottom: 4px; }
.commitment-body  { font-size: 14px; color: var(--color-text-2); line-height: 1.6; }

/* ── Image card (situation card) ───────────────────────────── */
.img-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-card-sm);
  transition: transform 0.2s, box-shadow 0.2s;
}
.img-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-card); }
.img-card-photo { width: 100%; aspect-ratio: 5/3; object-fit: cover; }
.img-card-body { padding: 20px; position: relative; }
.img-card-icon {
  position: absolute;
  top: -28px;
  left: 20px;
  width: 54px; height: 54px;
  border-radius: 50%;
  background: #e8f0e9;
  border: 2px solid #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  color: var(--color-accent);
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}
.img-card-title { font-size: 17px; font-weight: 700; color: var(--color-heading); margin: 8px 0 6px; font-family: var(--font-serif); }
.img-card-desc  { font-size: 14px; color: var(--color-text-2); line-height: 1.6; }
.img-card-arrow { display: inline-block; margin-top: 12px; font-size: 14px; font-weight: 600; color: var(--color-eyebrow); }

/* ── Article card (blog grid) ──────────────────────────────── */
.article-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-card-sm);
  transition: transform 0.2s;
}
.article-card:hover { transform: translateY(-3px); }
.article-thumb { width: 100%; aspect-ratio: 16/9; object-fit: cover; background: var(--color-bg-section); }
.article-body { padding: 20px; }
.article-category { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--color-eyebrow); margin-bottom: 8px; display: block; }
.article-title { font-family: var(--font-serif); font-size: 18px; font-weight: 600; color: var(--color-heading); margin-bottom: 8px; line-height: 1.3; }
.article-desc  { font-size: 14px; color: var(--color-text-2); line-height: 1.65; margin-bottom: 14px; }
.article-meta  { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--color-text-3); }
.article-meta-avatar {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--color-bg-section);
  border: 1px solid var(--color-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; color: var(--color-action);
}

/* ── CTA band (dark) ───────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, #0d1f13 0%, #1b3822 50%, #0f2b1a 100%);
  border-radius: 18px;
  padding: 36px 44px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  color: #fff;
}
.cta-band-copy strong { display: block; font-family: var(--font-serif); font-size: 26px; color: #fff; margin-bottom: 6px; }
.cta-band-copy span   { font-size: 15px; color: rgba(255,255,255,0.65); }
.cta-band-trust { font-size: 12px; color: rgba(255,255,255,0.45); margin-top: 8px; display: flex; align-items: center; gap: 5px; }

/* ── Contact direct cards ──────────────────────────────────── */
.contact-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 18px;
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.contact-card-icon { font-size: 28px; color: var(--color-accent); }
.contact-card-title { font-family: var(--font-serif); font-size: 22px; font-weight: 600; color: var(--color-heading); }
.contact-card-desc  { font-size: 15px; color: var(--color-text-2); line-height: 1.65; }
.contact-card-value { font-size: 18px; font-weight: 700; color: var(--color-heading); }
.contact-card-hours { font-size: 14px; color: var(--color-text-3); }

/* ── Hero image wrapper ────────────────────────────────────── */
.hero-img-wrap { position: relative; }
.hero-img-wrap img { width: 100%; height: 100%; object-fit: cover; border-radius: 0 0 24px 24px; }

/* ============================================================
   Mobile — shared responsive rules (≤ 768px)
   ============================================================ */
@media (max-width: 768px) {
  /* Header: hide nav links, keep logo + CTA */
  .header-nav { display: none; }
  .site-header { height: 60px; }
  .site-header .container { padding: 0 20px; }
  .btn-sm { height: 38px; padding: 0 16px; font-size: 13px; }

  /* Footer: stack all columns */
  .site-footer { padding: 48px 0 28px; }
  .site-footer .container {
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 0 20px;
    margin-bottom: 32px;
  }

  /* Layout primitives */
  .container { padding: 0 20px; }
  .section { padding: 48px 20px; }
  .section-title { font-size: 30px; }
  .section-sub { font-size: 16px; margin-bottom: 28px; }
  .card-grid-3,
  .card-grid-2 { grid-template-columns: 1fr; }

  /* Forms: single column */
  .form-grid { grid-template-columns: 1fr; }

  /* Newsletter band: stack vertically */
  .newsletter-band {
    flex-direction: column;
    padding: 24px 20px;
    gap: 18px;
    text-align: center;
  }
  .newsletter-icon { margin: 0 auto; }
  .newsletter-form { width: 100%; flex-direction: column; }
  .newsletter-form input { width: 100%; }

  /* Comparison table: tighter on small screens */
  .comparison-table th,
  .comparison-table td { padding: 10px 10px; font-size: 13px; }

  /* Trust row: wrap more tightly */
  .trust-row { gap: 12px 20px; }

  /* Mid-article CTA: stack */
  .mid-cta { flex-direction: column; gap: 16px; }
  .mid-cta .btn { width: 100%; }

  /* CTA band: stack */
  .cta-band { flex-direction: column; padding: 28px 24px; gap: 20px; }
  .cta-band .btn { width: 100%; }
}