/* ShieldPlan Insurance Group — Drill 016
   Vertical: Insurance
   Palette: corporate deep blue #1b3a6b + silver #8a9ab0 + white
*/

:root {
  color-scheme: light;
  --navy: #1b3a6b;
  --navy-dark: #112647;
  --navy-light: #2a5298;
  --silver: #8a9ab0;
  --silver-light: #c5cdd8;
  --silver-pale: #edf0f4;
  --white: #ffffff;
  --ink: #18243a;
  --muted: #4e5f73;
  --line: #d1d9e3;
  --panel: #f5f7fa;
  --shadow: 0 4px 24px rgba(27, 58, 107, 0.10);
  --shadow-lg: 0 12px 48px rgba(27, 58, 107, 0.14);
  --radius: 8px;
  --radius-lg: 14px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  font-size: 1rem;
}
a { color: var(--navy-light); text-decoration: none; }
a:hover { text-decoration: underline; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid var(--navy-light); outline-offset: 3px; }

/* Skip link */
.skip-link {
  position: absolute; left: 1rem; top: 1rem; z-index: 10;
  transform: translateY(-200%);
  background: var(--navy); color: var(--white);
  padding: 0.6rem 1.2rem; border-radius: var(--radius);
  font-weight: 600;
}
.skip-link:focus { transform: translateY(0); }

/* Noscript */
.noscript-warning {
  background: #fff3cd; color: #664d03;
  padding: 0.75rem 1.5rem; text-align: center; margin: 0;
  border-bottom: 1px solid #ffc107;
}

/* ── HEADER ── */
.site-header {
  position: sticky; top: 0; z-index: 5;
  display: flex; align-items: center; justify-content: space-between;
  gap: 1.5rem;
  padding: 0 clamp(1rem, 4vw, 4rem);
  height: 68px;
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.brand {
  display: flex; align-items: center; gap: 0.75rem;
  color: var(--ink); text-decoration: none;
}
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 8px;
  background: var(--navy); color: var(--white);
  display: grid; place-items: center;
  font-weight: 800; font-size: 0.9rem; letter-spacing: -0.5px;
  flex-shrink: 0;
}
.brand strong { display: block; font-size: 0.95rem; line-height: 1.2; color: var(--navy); }
.brand small { display: block; font-size: 0.75rem; color: var(--muted); font-weight: 400; }
.nav { display: flex; align-items: center; gap: 0.25rem; }
.nav a {
  padding: 0.4rem 0.75rem; border-radius: 6px;
  color: var(--muted); font-size: 0.9rem; font-weight: 500;
  transition: color 0.15s, background 0.15s;
}
.nav a:hover { color: var(--navy); background: var(--silver-pale); text-decoration: none; }
.nav-cta {
  background: var(--navy) !important; color: var(--white) !important;
  padding: 0.5rem 1.1rem !important; border-radius: 6px !important;
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--navy-dark) !important; }

/* ── BUTTONS ── */
.button {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0.75rem 1.75rem; border-radius: var(--radius);
  font-weight: 600; font-size: 0.95rem; cursor: pointer;
  border: 2px solid transparent; text-decoration: none;
  transition: background 0.15s, color 0.15s, border-color 0.15s, transform 0.1s;
}
.button:hover { transform: translateY(-1px); text-decoration: none; }
.button.primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.button.primary:hover { background: var(--navy-dark); border-color: var(--navy-dark); }
.button.secondary { background: transparent; color: var(--navy); border-color: var(--navy); }
.button.secondary:hover { background: var(--silver-pale); }
.button.outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.6); }
.button.outline:hover { border-color: var(--white); background: rgba(255,255,255,0.1); }
.button.ghost { background: transparent; color: var(--white); border-color: transparent; }
.button.ghost:hover { background: rgba(255,255,255,0.12); }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  color: var(--white);
  padding: clamp(4rem, 10vw, 8rem) clamp(1rem, 4vw, 4rem);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3rem;
  align-items: center;
}
.hero-content { max-width: 660px; }
.eyebrow {
  font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--silver); margin: 0 0 1rem;
}
.hero .eyebrow { color: var(--silver-light); }
.hero h1 {
  margin: 0 0 1.25rem;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800; line-height: 1.15;
  letter-spacing: -0.02em;
}
.hero-copy { font-size: 1.1rem; color: rgba(255,255,255,0.85); margin: 0 0 2rem; max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.hero-stats {
  display: flex; flex-direction: column; gap: 1.5rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  min-width: 180px;
}
.stat { text-align: center; }
.stat strong { display: block; font-size: 2.2rem; font-weight: 800; line-height: 1; color: var(--white); }
.stat span { font-size: 0.8rem; color: rgba(255,255,255,0.7); }
.stat em { font-style: italic; font-size: 0.7rem; }

/* ── TRUST STRIP ── */
.trust-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  background: var(--navy);
  color: var(--white);
}
.trust-strip > div {
  padding: 1.5rem 2rem;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.trust-strip > div:last-child { border-right: none; }
.trust-strip strong { display: block; font-size: 0.95rem; margin-bottom: 0.3rem; }
.trust-strip span { font-size: 0.82rem; color: rgba(255,255,255,0.72); }

/* ── SECTIONS ── */
.section-heading { max-width: 680px; margin: 0 auto 3rem; text-align: center; }
.section-heading h2 {
  font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 800;
  margin: 0.5rem 0 0.75rem; line-height: 1.2; color: var(--navy);
}
.section-heading p { color: var(--muted); margin: 0; }

/* ── SERVICES ── */
.services {
  padding: clamp(3rem, 8vw, 6rem) clamp(1rem, 4vw, 4rem);
  background: var(--panel);
}
.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  max-width: 1200px; margin: 0 auto;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  transition: box-shadow 0.2s, transform 0.2s;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.service-icon { font-size: 2rem; margin-bottom: 1rem; }
.service-card h3 { margin: 0 0 0.75rem; color: var(--navy); font-size: 1.15rem; font-weight: 700; }
.service-card p { color: var(--muted); margin: 0 0 1rem; font-size: 0.9rem; }
.service-card ul { margin: 0; padding-left: 1.1rem; }
.service-card li { font-size: 0.85rem; color: var(--muted); margin-bottom: 0.25rem; }

/* ── CARRIERS ── */
.carriers {
  padding: clamp(3rem, 8vw, 6rem) clamp(1rem, 4vw, 4rem);
  background: var(--white);
}
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  max-width: 1200px; margin: 0 auto 2rem;
}
.carrier-block {
  padding: 1.75rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--silver-pale);
  border-left: 4px solid var(--navy);
}
.carrier-block h3 { margin: 0 0 0.5rem; font-size: 1rem; color: var(--navy); font-weight: 700; }
.carrier-block p { margin: 0; font-size: 0.88rem; color: var(--muted); }
.legal-note {
  max-width: 800px; margin: 0 auto;
  font-size: 0.8rem; color: var(--muted); text-align: center;
  border-top: 1px solid var(--line); padding-top: 1.5rem;
}

/* ── PROOF ── */
.proof {
  padding: clamp(3rem, 8vw, 6rem) clamp(1rem, 4vw, 4rem);
  background: var(--panel);
}
.proof-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  max-width: 1200px; margin: 0 auto;
}
.proof article {
  padding: 1.75rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
}
.proof article h3 { margin: 0 0 0.5rem; color: var(--navy); font-size: 1rem; font-weight: 700; }
.proof article p { margin: 0; color: var(--muted); font-size: 0.9rem; }

/* ── ABOUT ── */
.about {
  padding: clamp(3rem, 8vw, 6rem) clamp(1rem, 4vw, 4rem);
  background: var(--navy-dark);
  color: var(--white);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4rem;
  align-items: center;
  max-width: 100%;
}
.about-content { max-width: 600px; }
.about .eyebrow { color: var(--silver-light); }
.about h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0.5rem 0 1rem; color: var(--white); font-weight: 800; }
.about p { color: rgba(255,255,255,0.82); margin: 0 0 1rem; }
.about-stats {
  display: flex; flex-direction: column; gap: 2rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
}
.about-stats > div { text-align: center; }
.about-stats strong { display: block; font-size: 2.5rem; font-weight: 800; color: var(--white); }
.about-stats span { font-size: 0.82rem; color: rgba(255,255,255,0.65); }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: clamp(3rem, 8vw, 6rem) clamp(1rem, 4vw, 4rem);
  text-align: center;
  color: var(--white);
}
.cta-content { max-width: 680px; margin: 0 auto; }
.cta-content h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); margin: 0 0 1rem; font-weight: 800; }
.cta-content > p { color: rgba(255,255,255,0.85); margin: 0 0 2rem; font-size: 1.05rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; justify-content: center; margin-bottom: 1.5rem; }
.cta-legal { font-size: 0.78rem; color: rgba(255,255,255,0.55); max-width: 560px; margin: 0 auto; }

/* ── FOOTER ── */
.site-footer {
  background: var(--ink);
  color: rgba(255,255,255,0.8);
}
.footer-top {
  display: flex; justify-content: space-between; flex-wrap: wrap;
  gap: 2rem; padding: 2.5rem clamp(1rem, 4vw, 4rem);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { display: flex; flex-direction: column; gap: 0.25rem; }
.footer-brand strong { color: var(--white); font-size: 1rem; }
.footer-brand span { font-size: 0.8rem; color: rgba(255,255,255,0.55); }
.footer-nav { display: flex; flex-wrap: wrap; gap: 0.5rem 1.5rem; align-items: center; }
.footer-nav a { color: rgba(255,255,255,0.7); font-size: 0.88rem; }
.footer-nav a:hover { color: var(--white); text-decoration: none; }
.footer-bottom {
  padding: 1.5rem clamp(1rem, 4vw, 4rem);
  font-size: 0.78rem; color: rgba(255,255,255,0.45);
}
.footer-bottom p { margin: 0 0 0.3rem; }

/* ── CONTACT PAGE ── */
.contact-main { padding: 0 clamp(1rem, 4vw, 4rem) 4rem; max-width: 1200px; margin: 0 auto; }
.contact-header { padding: 3rem 0 2.5rem; max-width: 680px; }
.contact-header .eyebrow { color: var(--navy); }
.contact-header h1 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); margin: 0.5rem 0 0.75rem; color: var(--navy); font-weight: 800; }
.contact-lede { font-size: 1.05rem; color: var(--muted); margin: 0; }
.contact-layout { display: grid; grid-template-columns: 1fr 340px; gap: 3rem; align-items: start; }
.legal-screen-notice {
  background: var(--silver-pale); border: 1px solid var(--silver-light);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius); padding: 1rem 1.25rem;
  margin-bottom: 2rem; font-size: 0.875rem;
}
.legal-screen-notice strong { display: block; margin-bottom: 0.5rem; color: var(--navy); }
.legal-screen-notice ul { margin: 0; padding-left: 1.25rem; }
.legal-screen-notice li { margin-bottom: 0.25rem; color: var(--muted); }

/* Form */
.intake-form { display: flex; flex-direction: column; gap: 0; }
.form-section {
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 1.75rem; margin-bottom: 1.25rem;
  background: var(--panel);
}
.form-section legend {
  font-weight: 700; font-size: 0.95rem; color: var(--navy);
  padding: 0 0.5rem;
}
.field { display: flex; flex-direction: column; gap: 0.35rem; margin-top: 1rem; }
.field:first-of-type { margin-top: 0.5rem; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; }
.field label { font-size: 0.875rem; font-weight: 600; color: var(--ink); }
.field-note { font-weight: 400; color: var(--muted); font-size: 0.8rem; }
.required { color: #c0392b; margin-left: 2px; }
.field input, .field select, .field textarea {
  padding: 0.6rem 0.875rem;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  transition: border-color 0.15s;
  width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--navy-light);
  outline: none;
  box-shadow: 0 0 0 3px rgba(42, 82, 152, 0.12);
}
.field textarea { resize: vertical; min-height: 120px; }
.field-help { font-size: 0.78rem; color: var(--muted); margin: 0.25rem 0 0; }
.consent-block { margin: 1rem 0; }
.consent-label { display: flex; gap: 0.75rem; align-items: flex-start; cursor: pointer; font-size: 0.875rem; color: var(--muted); }
.consent-label input[type="checkbox"] { width: 1rem; height: 1rem; flex-shrink: 0; margin-top: 0.15rem; accent-color: var(--navy); }
.form-notice {
  background: #fff8e6; border: 1px solid #f0d67a; border-radius: var(--radius);
  padding: 0.875rem 1rem; font-size: 0.8rem; color: #5a4300; margin-bottom: 1.25rem;
}
.form-notice strong { color: #3d2d00; }
.form-actions { margin-top: 0.5rem; }
.form-actions .button { width: 100%; padding: 0.9rem; font-size: 1rem; }
.form-result { margin-top: 1rem; font-size: 0.9rem; }
.form-result.success { color: #166534; background: #dcfce7; padding: 1rem; border-radius: var(--radius); }
.form-result.error { color: #7f1d1d; background: #fee2e2; padding: 1rem; border-radius: var(--radius); }

/* Sidebar */
.contact-sidebar { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: 88px; }
.sidebar-card {
  background: var(--panel); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 1.5rem;
}
.sidebar-card h2 { margin: 0 0 0.75rem; font-size: 1rem; color: var(--navy); font-weight: 700; }
.sidebar-card p { margin: 0 0 0.5rem; font-size: 0.875rem; color: var(--muted); }
.sidebar-card ul { margin: 0.5rem 0 0; padding-left: 1.1rem; }
.sidebar-card li { font-size: 0.82rem; color: var(--muted); margin-bottom: 0.25rem; }
.next-steps { padding-left: 1.25rem; margin: 0; }
.next-steps li { font-size: 0.875rem; color: var(--muted); margin-bottom: 0.6rem; }
.next-steps strong { color: var(--ink); }
.contact-info-card .contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { font-size: 0.875rem; color: var(--muted); margin-bottom: 0.4rem; }
.contact-list strong { color: var(--ink); }
.contact-list a { color: var(--navy-light); }

/* ── PRIVACY PAGE ── */
.prose-main { padding: clamp(2rem, 5vw, 5rem) clamp(1rem, 4vw, 4rem); }
.prose-article { max-width: 760px; margin: 0 auto; }
.prose-article .eyebrow { color: var(--navy); }
.prose-article h1 { font-size: clamp(1.8rem, 3vw, 2.4rem); color: var(--navy); margin: 0.5rem 0 0.25rem; font-weight: 800; }
.prose-meta { font-size: 0.82rem; color: var(--muted); margin: 0 0 2rem; }
.prose-article h2 { font-size: 1.15rem; color: var(--navy); margin: 2rem 0 0.5rem; font-weight: 700; }
.prose-article p { color: var(--muted); margin: 0 0 0.75rem; line-height: 1.7; }
.prose-article a { color: var(--navy-light); }
.prose-drill-note {
  margin-top: 2rem; padding: 0.875rem 1rem;
  background: var(--silver-pale); border: 1px solid var(--silver-light);
  border-radius: var(--radius); font-size: 0.8rem; color: var(--muted);
  font-style: italic;
}

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: row; justify-content: center; }
  .about { grid-template-columns: 1fr; }
  .about-stats { flex-direction: row; justify-content: center; }
  .contact-layout { grid-template-columns: 1fr; }
  .contact-sidebar { position: static; }
  .field-row { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .nav a:not(.nav-cta) { display: none; }
  .hero-stats { flex-direction: column; align-items: flex-start; }
  .trust-strip { grid-template-columns: 1fr 1fr; }
}