/* Premier Protection: draft design tokens from the existing logo (blue #005080, red #b00000).
   Colours are provisional until the director confirms the brand (question batch 1). */
:root {
  --ink: #0f3550;        /* headings, masthead text */
  --brand: #005080;      /* logo blue: links, path markers */
  --signal: #b3261e;     /* logo red, used only for the primary action */
  --signal-dark: #8f1d17;
  --paper: #ffffff;
  --mist: #eef3f7;       /* section bands */
  --text: #1d2830;
  --muted: #4a5a66;
  --line: #cbd6de;
  --needs-bg: #fff3bf;
  --serif: Charter, "Bitstream Charter", "Sitka Text", Cambria, Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --measure: 68ch;
  --gutter: clamp(1rem, 4vw, 2rem);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--text); font: 1.0625rem/1.6 var(--sans); }
img { max-width: 100%; height: auto; }
a { color: var(--brand); text-underline-offset: 0.18em; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--signal); outline-offset: 3px; }
h1, h2, h3 { font-family: var(--serif); color: var(--ink); line-height: 1.2; margin: 0 0 0.6em; }
h1 { font-size: clamp(1.9rem, 4.2vw, 2.9rem); font-weight: 700; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.35rem, 2.6vw, 1.75rem); font-weight: 700; }
p { margin: 0 0 1em; }

.wrap { max-width: 72rem; margin: 0 auto; padding: 0 var(--gutter); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 1rem; top: 1rem; z-index: 10; background: var(--paper); padding: 0.5rem 1rem; }
.staging-bar { margin: 0; padding: 0.35rem var(--gutter); background: var(--ink); color: var(--paper); font-size: 0.875rem; text-align: center; }
mark.needs { background: var(--needs-bg); color: var(--text); padding: 0 0.25em; border-radius: 3px; font-size: 0.9em; }

/* Masthead */
.masthead { border-bottom: 1px solid var(--line); }
.masthead-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: 0.75rem; padding-bottom: 0.75rem; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 0.6rem; text-decoration: none; color: var(--ink); font: 700 1.15rem/1 var(--serif); }
.brand img { width: 52px; height: auto; display: block; }
.masthead .masthead-cta { display: none; }
.nav { display: flex; align-items: center; gap: 1.25rem; list-style: none; margin: 0; padding: 0; flex-wrap: wrap; }
.nav a:not(.btn) { color: var(--text); text-decoration: none; font-weight: 500; }
.nav a:not(.btn):hover, .nav a:not(.btn)[aria-current="page"] { color: var(--brand); text-decoration: underline; }

/* Buttons */
.btn { display: inline-block; padding: 0.7rem 1.2rem; border-radius: 6px; font-weight: 600; text-decoration: none; border: 2px solid transparent; line-height: 1.2; }
.btn-primary { background: var(--signal); color: #fff; }
.btn-primary:hover { background: var(--signal-dark); color: #fff; }
.btn-quiet { border-color: var(--brand); color: var(--brand); background: transparent; }
.btn-quiet[aria-disabled="true"] { opacity: 0.85; cursor: default; }
button.btn { font: inherit; font-weight: 600; cursor: pointer; }

/* Hero: the audience paths live inside the hero, beside the promise */
.hero { padding: clamp(2.5rem, 7vw, 5rem) 0; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.lede { font-size: 1.15rem; color: var(--muted); max-width: var(--measure); }
.actions { display: flex; gap: 0.75rem; flex-wrap: wrap; margin: 1.5rem 0; }
.trust { font-size: 0.95rem; color: var(--muted); }
.paths h2 { font-size: 1.1rem; font-family: var(--sans); color: var(--muted); font-weight: 600; margin-bottom: 0.75rem; }
.path { display: block; padding: 1rem 1.1rem; border-left: 4px solid var(--brand); background: var(--mist); text-decoration: none; color: var(--text); margin-bottom: 0.75rem; }
.path strong { display: block; font: 700 1.15rem/1.3 var(--serif); color: var(--ink); margin-bottom: 0.25rem; }
.path span { display: block; font-size: 0.975rem; color: var(--muted); }
.path:hover { border-left-color: var(--signal); background: #e3ebf1; }

/* Sections */
.band { background: var(--mist); padding: clamp(2.5rem, 6vw, 4rem) 0; }
.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2rem; margin: 0; padding-left: 1.25rem; }
.steps li { padding-left: 0.25rem; }
.steps li::marker { font: 700 1.3rem var(--serif); color: var(--brand); }
.steps strong { display: block; color: var(--ink); }
.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(2rem, 5vw, 4rem); padding-top: clamp(2.5rem, 6vw, 4rem); padding-bottom: clamp(2.5rem, 6vw, 4rem); }
.reasons { list-style: none; padding: 0; margin: 0; }
.reasons li { padding: 0.6rem 0; border-bottom: 1px solid var(--line); }
.reasons strong { color: var(--ink); }
.closing { background: var(--ink); color: var(--paper); padding: clamp(2.5rem, 6vw, 4rem) 0; text-align: center; }
.closing h2 { color: var(--paper); }

/* Long-form pages */
.prose { max-width: calc(var(--measure) + 2 * var(--gutter)); padding-top: clamp(2rem, 5vw, 3.5rem); padding-bottom: clamp(2.5rem, 6vw, 4rem); }
.prose h1 { margin-bottom: 0.5em; }
.prose h2 { margin-top: 1.8em; }
.prose ul { padding-left: 1.25rem; }
.prose li { margin-bottom: 0.5em; }
.narrow { max-width: calc(44rem + 2 * var(--gutter)); }
.cta-line { margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid var(--line); }
.prose table { width: 100%; border-collapse: collapse; margin: 1.25rem 0 1.5rem; font-size: 0.95rem; }
.prose th, .prose td { text-align: left; padding: 0.5rem 0.6rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { color: var(--ink); background: var(--mist); }
.prose td:not(:first-child), .prose th:not(:first-child) { font-variant-numeric: tabular-nums; }
.faq dt { font: 700 1.15rem/1.35 var(--serif); color: var(--ink); margin-top: 1.75rem; }
.faq dd { margin: 0.4rem 0 0; }

/* Carriers strip: logos in even white tiles */
.carriers { padding: clamp(2rem, 5vw, 3rem) 0; border-top: 1px solid var(--line); }
.carrier-list { list-style: none; margin: 1rem 0 0.75rem; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(9.5rem, 1fr)); gap: 0.75rem; }
.carrier-list li { display: flex; align-items: center; justify-content: center; height: 5.25rem; padding: 0.6rem 0.9rem; background: #fff; border: 1px solid var(--line); border-radius: 6px; }
.carrier-list img { max-width: 100%; max-height: 3.6rem; width: auto; height: auto; object-fit: contain; }
.carrier-list li.on-dark { background: #1f3a5f; border-color: #1f3a5f; }  /* logo supplied in white */
.carrier-name { font: 700 1.15rem var(--serif); color: var(--ink); }

/* Brand preview page (director only) */

/* Small parts */
.crumbs { font-size: 0.95rem; margin-bottom: 0.5rem; }
.paths.stacked { margin-top: 1.5rem; }
.post-meta { color: var(--muted); font-size: 0.95rem; }
.sources { font-size: 0.95rem; }
/* Coverage: one block per line of insurance, with its products and carriers. */
.line { border-top: 1px solid var(--line); padding: 1rem 0 0.5rem; }
.line h3 { margin: 0 0 0.4rem; }
.prose .line ul { padding-left: 0; }
.line-products { display: flex; flex-wrap: wrap; gap: 0.25rem 1.25rem; list-style: none; padding: 0; margin: 0 0 0.75rem; }
.carrier-list.compact { grid-template-columns: repeat(auto-fill, minmax(130px, 1fr)); gap: 0.5rem; margin: 0 0 1rem; }
.carrier-list.compact li { height: 4rem; padding: 0.5rem; }
.carrier-list.compact img { max-height: 2.6rem; }
/* Who we are: headshot beside the bio, stacked on phones. */
.bio { display: grid; grid-template-columns: 240px 1fr; gap: 1.5rem; align-items: start; margin: 0.5rem 0 1.5rem; }
.bio .headshot { width: 100%; height: auto; display: block; border-radius: 6px; }
@media (max-width: 640px) { .bio { grid-template-columns: 1fr; } .bio .headshot { max-width: 240px; } }
.prose .agents, .agents { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1rem; }
.agent { display: flex; gap: 1rem; align-items: center; padding: 0.9rem; border: 1px solid var(--line); border-radius: 6px; }
.agent img { width: 72px; height: 90px; object-fit: cover; border-radius: 4px; display: block; }
.agent div { display: flex; flex-direction: column; gap: 0.15rem; }
.agent span { color: var(--muted); font-size: 0.92rem; }
.agent .initials { flex: 0 0 72px; width: 72px; height: 90px; border-radius: 4px; display: grid; place-items: center; background: var(--brand); color: #fff; font: 700 1.5rem/1 var(--serif); letter-spacing: 0.04em; }
.author { margin-top: 2.5rem; padding: 1.25rem 1.4rem; background: var(--mist); border-left: 4px solid var(--brand); font-size: 0.95rem; }
.author p:last-child { margin-bottom: 0; color: var(--muted); }
.post-list { list-style: none; padding: 0; }
.post-list li { padding: 0.6rem 0; border-bottom: 1px solid var(--line); }

/* Lead form */
.lead-form .field { margin: 0 0 1.25rem; border: 0; padding: 0; }
.lead-form label, .lead-form legend { display: block; font-weight: 600; margin-bottom: 0.35rem; color: var(--ink); }
.lead-form fieldset label, .lead-form .consent label { font-weight: 400; color: var(--text); }
.lead-form input:not([type="radio"]):not([type="checkbox"]), .lead-form select, .lead-form textarea { width: 100%; padding: 0.65rem 0.75rem; border: 1px solid #8a9aa6; border-radius: 6px; font: inherit; background: var(--paper); color: var(--text); }
.lead-form input[type="radio"], .lead-form input[type="checkbox"] { margin-right: 0.5rem; accent-color: var(--brand); }
.lead-form .hint { display: block; font-size: 0.9rem; color: var(--muted); margin-top: 0.35rem; }
.lead-form .consent { font-size: 0.925rem; }
.hp { position: absolute; left: -9999px; }

/* Footer */
.footer { border-top: 1px solid var(--line); background: var(--mist); padding: 2.5rem 0; font-size: 0.95rem; }
.footer-inner { display: grid; grid-template-columns: 1fr auto; gap: 1.5rem 3rem; }
.footer-brand { font: 700 1.1rem var(--serif); color: var(--ink); }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links { columns: 2; column-gap: 2.5rem; }
.footer-links li { margin-bottom: 0.4rem; break-inside: avoid; }
.disclaimer { grid-column: 1 / -1; color: var(--muted); font-size: 0.875rem; max-width: 90ch; margin: 0; }

@media (max-width: 760px) {
  .hero-grid, .split, .steps, .footer-inner { grid-template-columns: 1fr; }
  .masthead-inner { gap: 0.5rem; }
  .masthead nav { width: 100%; overflow-x: auto; scrollbar-width: none; }
  .nav { gap: 1rem; flex-wrap: nowrap; font-size: 0.9rem; padding-bottom: 0.25rem; }
  .nav:not(.nav-plain) li:last-child { display: none; }
  .masthead .masthead-cta { display: inline-block; padding: 0.5rem 0.8rem; font-size: 0.9rem; }
  .brand { font-size: 1rem; gap: 0.45rem; }
  .brand img { width: 40px; }
  .nav a { white-space: nowrap; }
  .nav .btn { padding: 0.5rem 0.8rem; white-space: nowrap; }
}
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; animation: none !important; }
}

/* Free federal benefits review offer */
.offer { margin: 1.5rem 0; padding: 1.25rem 1.4rem; background: var(--mist); border-left: 4px solid var(--brand); border-radius: 4px; }
.offer h2 { margin-top: 0; }
.offer p:last-child { margin-bottom: 0; }
.path-offer { border-color: var(--brand); border-width: 2px; }