/* =========================================================
   Keith Insurance — Base Design System
   ========================================================= */

:root {
  /* Brand palette: steel-blue metallic, matched to the Keith Insurance Agency logo */
  --navy-900: #0e1720;
  --navy-800: #142333;
  --navy-700: #1c3049;
  --navy-600: #2b4a6f;
  --accent-500: #4d84bc;
  --accent-600: #3a6a9b;
  --accent-100: #e6eef5;

  --ink: #16212e;
  --ink-soft: #4a5568;
  --paper: #ffffff;
  --paper-alt: #f6f8fb;
  --border: #e2e8f0;

  --success: #1e7a4c;

  --radius: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(11, 35, 64, 0.08);
  --shadow-md: 0 8px 24px rgba(11, 35, 64, 0.12);

  --max-width: 1160px;
  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-head: Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
[hidden] { display: none !important; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--navy-700); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2rem, 4vw, 2.85rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.25rem; }

p { margin: 0 0 1em; color: var(--ink-soft); }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 64px 0; }
section.tight { padding: 40px 0; }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-600);
  margin-bottom: 10px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { text-decoration: none; }

.btn-primary {
  background: var(--accent-500);
  color: #fff;
}
.btn-primary:hover { background: var(--accent-600); box-shadow: var(--shadow-md); }

.btn-outline {
  background: transparent;
  color: var(--paper);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); }

.btn-outline-navy {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--navy-800);
}
.btn-outline-navy:hover { background: var(--navy-800); color: #fff; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-900);
  color: #cdd9e8;
  font-size: 0.85rem;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar a { color: #cdd9e8; }
.topbar a:hover { color: #fff; }

/* ---------- Header / Nav ---------- */
header.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--navy-900);
}
.brand small {
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.68rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent-600);
}
.brand-mark {
  height: 44px;
  width: auto;
  border-radius: 8px;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(14, 23, 32, 0.35);
}

.footer-logo {
  max-width: 230px;
  width: 100%;
  height: auto;
  border-radius: 8px;
  margin-bottom: 4px;
}

.owners-photo {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.intro-video {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  display: block;
  background: #000;
}

.about-logo {
  max-width: 320px;
  width: 100%;
  height: auto;
  border-radius: 10px;
  box-shadow: var(--shadow-md);
  margin-bottom: 24px;
}

nav.primary-nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
  align-items: center;
}
nav.primary-nav a {
  color: var(--navy-800);
  font-weight: 600;
  font-size: 0.95rem;
}
nav.primary-nav a:hover { color: var(--accent-600); text-decoration: none; }
nav.primary-nav a.current { color: var(--accent-600); }

.nav-actions { display: flex; align-items: center; gap: 18px; }

.nav-toggle {
  display: none;
  background: none;
  border: 2px solid var(--navy-800);
  border-radius: 8px;
  padding: 8px 10px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy-900);
  margin: 4px 0;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: #fff;
  padding: 88px 0;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.hero h1 { color: #fff; }
.hero p.lead {
  color: #d6e0ec;
  font-size: 1.1rem;
  max-width: 46ch;
}
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }

.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(2px);
}
.hero-card h3 { color: #fff; font-size: 1.05rem; margin-bottom: 14px; }
.hero-card ul { margin: 0; padding-left: 20px; color: #d6e0ec; }
.hero-card li { margin-bottom: 8px; }

.trust-strip {
  background: var(--paper-alt);
  border-bottom: 1px solid var(--border);
}
.trust-strip .container {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  justify-content: space-between;
  padding-top: 20px;
  padding-bottom: 20px;
  font-size: 0.85rem;
  color: var(--ink-soft);
  font-weight: 600;
}
.trust-strip .item { display: flex; align-items: center; gap: 8px; }
.trust-strip .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--accent-500); }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  height: 100%;
}
.pill-label {
  display: inline-block;
  background: var(--accent-100);
  color: var(--accent-600);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.card .icon {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: var(--accent-100);
  color: var(--accent-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
  font-weight: 700;
}
.card.featured {
  border-color: var(--accent-500);
  box-shadow: var(--shadow-md);
}
.card ul { padding-left: 20px; margin: 0 0 1em; color: var(--ink-soft); }
.card li { margin-bottom: 6px; }
.card .learn-more { font-weight: 700; font-size: 0.9rem; }

.section-head { max-width: 640px; margin: 0 auto 40px; text-align: center; }
.section-head.left { margin-left: 0; text-align: left; }

.bg-alt { background: var(--paper-alt); }
.bg-navy { background: var(--navy-900); color: #fff; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy p { color: #cdd9e8; }

/* ---------- Anchor product sections ---------- */
.product-section {
  padding: 56px 0;
  border-bottom: 1px solid var(--border);
  scroll-margin-top: 90px;
}
.product-section:last-of-type { border-bottom: none; }
.product-section .tag {
  display: inline-block;
  background: var(--accent-100);
  color: var(--accent-600);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.product-section .layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.product-section.reverse .layout { direction: rtl; }
.product-section.reverse .layout > * { direction: ltr; }

.who-its-for {
  background: var(--paper-alt);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  margin-top: 18px;
}
.who-its-for h4 { margin-bottom: 8px; font-size: 0.95rem; }
.who-its-for p { margin: 0; font-size: 0.92rem; }

/* ---------- Product quick nav (pills) ---------- */
.quick-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  padding: 18px 0;
}
.quick-nav a {
  border: 1px solid var(--border);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-800);
}
.quick-nav a:hover { border-color: var(--accent-500); color: var(--accent-600); text-decoration: none; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step {
  display: flex;
  gap: 18px;
  margin-bottom: 24px;
}
.step .num {
  counter-increment: step;
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--accent-500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-family: var(--font-head);
}
.step .num::before { content: counter(step); }

/* ---------- Forms ---------- */
.form-card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
label {
  display: block;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--navy-900);
  margin-bottom: 6px;
}
.field { margin-bottom: 18px; }
input, select, textarea {
  width: 100%;
  padding: 11px 13px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ink);
  background: #fff;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--navy-600);
  box-shadow: 0 0 0 3px rgba(30, 79, 137, 0.15);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-hint { font-size: 0.8rem; color: var(--ink-soft); margin-top: -12px; margin-bottom: 18px; }

/* ---------- Placeholder markers ---------- */
.ph {
  background: var(--accent-100);
  color: var(--accent-600);
  padding: 1px 6px;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.92em;
}

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-900));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 48px;
  text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #d6e0ec; max-width: 56ch; margin-left: auto; margin-right: auto; }
.cta-band .cta-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 22px; }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-900);
  color: #b9c6d6;
  padding: 56px 0 28px;
  font-size: 0.9rem;
}
footer.site-footer h4 {
  color: #fff;
  font-family: var(--font-body);
  font-size: 0.92rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
footer.site-footer a { color: #b9c6d6; }
footer.site-footer a:hover { color: #fff; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 32px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 10px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  padding-top: 22px;
  font-size: 0.8rem;
  color: #8296ab;
}
.disclosure {
  font-size: 0.78rem;
  color: #8296ab;
  max-width: 900px;
  line-height: 1.6;
  margin-top: 12px;
}

/* ---------- Home page A/B coverage chooser ---------- */
.choice-card {
  display: block;
  width: 100%;
  text-align: left;
  background: var(--paper);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  cursor: pointer;
  font-family: inherit;
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
}
.choice-card:hover {
  border-color: var(--accent-500);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.choice-card h3 { margin-bottom: 8px; }
.choice-card p { margin-bottom: 14px; }
.choice-card .learn-more { font-weight: 700; font-size: 0.9rem; color: var(--accent-600); }

.choice-subpanel { margin-top: 28px; scroll-margin-top: 100px; }
.choice-subpanel-label { font-weight: 700; color: var(--navy-800); margin-bottom: 14px; }
.contact-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 22px;
}
.contact-buttons .btn { font-size: 1rem; padding: 15px 28px; }

.choice-or-divider {
  font-size: 0.88rem;
  color: var(--ink-soft);
  margin-bottom: 18px;
}

/* Anchor targets linked to from other pages (offset for the sticky header) */
.anchor-target { scroll-margin-top: 100px; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.small { font-size: 0.85rem; }
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 14px 0; }
.tag-pill {
  font-size: 0.78rem;
  font-weight: 700;
  background: var(--navy-900);
  color: #fff;
  padding: 5px 12px;
  border-radius: 999px;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .product-section .layout { grid-template-columns: 1fr; }
  .product-section.reverse .layout { direction: ltr; }
}

@media (max-width: 720px) {
  nav.primary-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    display: none;
  }
  nav.primary-nav.open { display: block; }
  nav.primary-nav ul {
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 24px 24px;
    gap: 16px;
  }
  .nav-toggle { display: block; }
  .nav-actions .btn-primary { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .cta-band { padding: 32px 20px; }
  section { padding: 48px 0; }
}