/* ============================================
   Secure Insurance — Shared Stylesheet
   ============================================ */

:root{
  --navy-950:#0B2036; --navy-900:#0F2A47; --navy-800:#163A5F;
  --blue-600:#1D4E89; --blue-500:#2C639E;
  --gold-500:#C9A15A; --gold-600:#B08A44;
  --paper:#F6F7F9; --paper-2:#EFF2F5; --white:#FFFFFF;
  --ink:#12202E; --ink-soft:#4C5C6B; --line:#DCE2E8;
  --good-bg:#EEF6EE; --good-line:#CFE3CF; --good-text:#2C5E36;
}

*{box-sizing:border-box;}
html,body{margin:0;padding:0;}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  width:100%;
}
h1,h2,h3{
  font-family:'Source Serif Pro','Georgia',serif;
  margin:0;
  color:var(--navy-950);
  letter-spacing:-0.01em;
}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px;}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy-950);color:#D7E2EC;font-size:13px;}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:9px 24px;}
.topbar a{display:flex;align-items:center;gap:6px;color:#EAF1F7;font-weight:600;}
.topbar .hours{color:#9FB4C6;}

/* ---------- Header ---------- */
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;}
header .wrap{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;}
header .wrap.header-grid{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:20px;}
header .wrap.header-grid nav.mainnav{justify-content:center;}
.brand{display:flex;align-items:center;gap:10px;}
.brand .mark{
  width:38px;height:38px;
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.brand .mark img{width:100%;height:100%;object-fit:contain;}
.brand-text{line-height:1.1;}
.brand-text .name{font-family:'Source Serif Pro',serif;font-weight:700;font-size:19px;color:var(--navy-950);}
.brand-text .tag{font-size:10.5px;letter-spacing:0.09em;color:var(--gold-600);font-weight:700;text-transform:uppercase;}

/* Header logo (full lockup) & footer icon */
.logo-full{height:52px;width:auto;display:block;}
.logo-icon{width:100%;height:100%;object-fit:contain;}
.foot-brand .logo-icon{width:38px;height:38px;}
nav.mainnav{display:flex;align-items:center;gap:24px;}
nav.mainnav a{font-size:14px;font-weight:500;color:var(--navy-950);white-space:nowrap;}
nav.mainnav a.active{color:var(--navy-900);font-weight:700;}
nav.mainnav a:hover{color:var(--navy-900);}
nav.mainnav .navlink-disabled{font-size:14px;font-weight:500;color:var(--navy-950);white-space:nowrap;opacity:.75;cursor:default;}
.btn-quote{background:var(--navy-900);color:#fff;padding:12px 22px;border-radius:7px;font-weight:600;font-size:14.5px;border:none;cursor:pointer;}
.btn-quote:hover{background:var(--blue-600);}
.navwrap{display:flex;align-items:center;gap:22px;}
.navwrap a{display:flex;}

/* ---------- Page hero ---------- */
.page-hero{background:linear-gradient(180deg,var(--paper) 0%,#FFFFFF 100%);padding:48px 0 40px;border-bottom:1px solid var(--line);}
.page-hero.no-border{border-bottom:none;}
.page-hero .eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--good-bg);border:1px solid var(--good-line);color:var(--good-text);font-size:12px;font-weight:700;padding:5px 12px;border-radius:99px;margin-bottom:14px;}
.page-hero.center{text-align:center;}
.page-hero.center .eyebrow{margin-left:auto;margin-right:auto;}
.page-hero.center p{margin-left:auto;margin-right:auto;}
.page-hero h1{font-size:36px;line-height:1.15;margin-bottom:12px;}
.page-hero p{font-size:15.5px;color:var(--ink-soft);max-width:640px;line-height:1.6;}
.page-hero .sub{font-size:12px;color:var(--ink-soft);margin:-6px 0 16px 2px;}

/* ---------- Sections ---------- */
.section{padding:56px 0;}
.section.tight{padding-top:8px;}
.section.notop{padding-top:0;}
.section.bg-paper{background:var(--paper);}
.section-head{text-align:center;margin-bottom:36px;}
.section h2{font-size:24px;margin-bottom:14px;}
.section-head h2{margin-bottom:8px;}
.section-head p{color:var(--ink-soft);font-size:14.5px;}
.section h3{font-size:17px;margin-bottom:8px;color:var(--navy-950);}
.section p{font-size:14.5px;color:var(--ink-soft);line-height:1.7;margin-top:0;margin-bottom:14px;}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;}
.card + .card{margin-top:16px;}
.card.center{text-align:center;}
.card.pad-sm{padding:20px 10px;}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;}
.four-col .card + .card{margin-top:0;}
.icon-circle{width:44px;height:44px;border-radius:10px;background:#E7F0F9;color:var(--blue-600);display:flex;align-items:center;justify-content:center;margin-bottom:14px;}
.icon-circle.center{margin:0 auto 14px;}
.icon-circle.round{border-radius:50%;width:52px;height:52px;}
.icon-circle.navy{background:var(--navy-900);color:#fff;}
.icon-circle.green{background:var(--good-bg);color:var(--good-text);}
.icon-circle.gold{background:#FBF1E1;color:var(--gold-600);}
.light-panel{background:var(--paper);border-radius:12px;padding:26px;}
.divider{height:1px;background:var(--line);margin:32px 0;}
.step-tag{font-size:12px;font-weight:700;color:var(--gold-600);text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px;}
.max-narrow{max-width:250px;margin:0 auto;}
.max-wide{max-width:820px;}
.max-content{max-width:760px;}

/* ---------- FAQ accordion ---------- */
.faq-item{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;overflow:hidden;}
.faq-q{padding:16px 18px;font-weight:600;font-size:14.5px;color:var(--navy-950);cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:#fff;}
.faq-q:hover{background:var(--paper);}
.faq-a{padding:0 18px;max-height:0;overflow:hidden;transition:max-height .25s ease, padding .25s ease;font-size:13.5px;color:var(--ink-soft);line-height:1.65;}
.faq-item.open .faq-a{padding:0 18px 16px;max-height:300px;}
.faq-q .chev{transition:transform .2s;color:var(--blue-600);flex-shrink:0;margin-left:12px;}
.faq-item.open .chev{transform:rotate(180deg);}

/* ---------- Legal table ---------- */
table.legal-table{width:100%;border-collapse:collapse;font-size:13.5px;margin:14px 0;}
table.legal-table th, table.legal-table td{border:1px solid var(--line);padding:10px 12px;text-align:left;color:var(--ink-soft);}
table.legal-table th{background:var(--paper);color:var(--navy-950);}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:0.9fr 1.1fr;gap:40px;}
.contact-method{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line);}
.contact-method:last-child{border-bottom:none;}
.contact-method .ic{width:22px;height:22px;color:var(--blue-600);flex-shrink:0;margin-top:2px;}
.contact-method b{display:block;font-size:14px;color:var(--navy-950);margin-bottom:2px;}
.contact-method span{font-size:13px;color:var(--ink-soft);}
form.contact-form{display:flex;flex-direction:column;gap:14px;}
form.contact-form label{font-size:13px;font-weight:600;color:var(--navy-950);margin-bottom:5px;display:block;}
form.contact-form input, form.contact-form select, form.contact-form textarea{
  width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:8px;font-size:14px;font-family:inherit;color:var(--ink);background:#fff;
}
form.contact-form input:focus, form.contact-form select:focus, form.contact-form textarea:focus{outline:2px solid var(--blue-500);outline-offset:1px;border-color:var(--blue-500);}
form.contact-form button{margin-top:6px;background:var(--navy-900);color:#fff;border:none;padding:13px;border-radius:8px;font-weight:700;font-size:15px;cursor:pointer;}
form.contact-form button:hover{background:var(--blue-600);}
.form-note{display:none;margin-top:12px;font-size:13px;color:var(--good-text);}
.field{margin-bottom:0;}
.field input, .field select, .field textarea{
  width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:8px;font-size:14px;font-family:inherit;
}
.field label{font-size:13px;font-weight:600;color:var(--navy-950);display:block;margin-bottom:6px;}
.mb-14{margin-bottom:14px;}
.mb-16{margin-bottom:16px;}

/* ---------- Quote flow ---------- */
.quote-flow{max-width:640px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 20px 45px -20px rgba(15,42,71,0.18);overflow:hidden;}
.quote-flow.compact{margin:0;max-width:none;}
.quote-flow .qf-head{background:linear-gradient(120deg,var(--navy-900),var(--blue-600));color:#fff;padding:22px;}
.quote-flow .qf-head h3{color:#fff;font-family:'Inter',sans-serif;font-size:18px;margin-bottom:12px;}
.progress-track{height:5px;background:rgba(255,255,255,0.25);border-radius:99px;overflow:hidden;margin-bottom:8px;}
.progress-fill{height:100%;background:var(--gold-500);border-radius:99px;transition:width .3s;}
.qf-body{padding:24px;}
.type-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:6px;}
.type-card{border:1.5px solid var(--line);border-radius:9px;padding:16px 8px;text-align:center;cursor:pointer;transition:border-color .15s, background .15s;background:#fff;}
.type-card:hover{border-color:var(--blue-500);background:#F5F9FC;}
.type-card.selected{border-color:var(--navy-900);background:#EEF3F8;}
.type-card .ic{display:block;width:24px;height:24px;margin:0 auto 8px;color:var(--blue-600);}
.type-card span{font-size:13px;font-weight:600;color:var(--navy-950);}
.qf-actions{display:flex;gap:10px;margin-top:18px;}
.qf-actions button{flex:1;}
.btn-primary{width:100%;padding:13px;border:none;border-radius:8px;font-weight:700;font-size:15px;background:var(--line);color:#8B98A5;cursor:not-allowed;transition:background .15s,color .15s;}
.btn-primary.ready{background:var(--navy-900);color:#fff;cursor:pointer;}
.btn-primary.ready:hover{background:var(--blue-600);}
.btn-ghost{background:#fff !important;border:1px solid var(--line) !important;color:var(--ink-soft) !important;cursor:pointer !important;}
.btn-ghost:hover{background:var(--paper) !important;}
.qf-foot{text-align:center;font-size:11.5px;color:#8B98A5;margin-top:12px;}
.step-dots{display:flex;gap:6px;justify-content:center;margin:18px 0 0;}
.step-dots span{width:6px;height:6px;border-radius:50%;background:var(--line);}
.step-dots span.active{background:var(--gold-500);}
.link-btn{text-decoration:none;display:block;}

/* ---------- CTA ---------- */
.cta-box{background:linear-gradient(120deg,var(--navy-950),var(--blue-600));border-radius:16px;padding:50px 30px;text-align:center;color:#fff;}
.cta-box h2{color:#fff;font-size:26px;margin-bottom:10px;}
.cta-box p{color:#CFE0EE;font-size:14.5px;margin-bottom:22px;}
.cta-call{display:inline-flex;align-items:center;gap:9px;background:#fff;color:var(--navy-950);padding:14px 22px;border-radius:8px;font-weight:700;font-size:15.5px;}
.cta-call:hover{background:#F0F4F8;}
.cta-disclosure{max-width:820px;margin:26px auto 0;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.18);border-radius:9px;padding:16px 18px;font-size:12px;color:#D6E3EE;line-height:1.6;}
.cta-disclosure b{color:#fff;}

/* ---------- Fine print / trust rows ---------- */
.free-note{background:var(--good-bg);border:1px solid var(--good-line);border-radius:9px;padding:14px 16px;font-size:13.5px;color:var(--good-text);line-height:1.5;}
.free-note b{color:#1F4A28;}
.fine-print{border:1px solid var(--line);border-radius:9px;padding:16px 18px;font-size:12px;color:#6B7A88;line-height:1.6;}
.trust-item{display:flex;gap:12px;align-items:flex-start;border:1px solid var(--line);border-radius:9px;padding:13px 15px;margin-bottom:10px;}
.trust-item:last-child{margin-bottom:0;}
.trust-item .ic{width:20px;height:20px;flex-shrink:0;color:var(--blue-600);margin-top:1px;}
.trust-item b{display:block;font-size:14px;color:var(--navy-950);margin-bottom:2px;}
.trust-item span{font-size:12.5px;color:var(--ink-soft);}
.trademark-note{display:flex;gap:12px;background:#EAF1F7;border-left:4px solid var(--blue-600);border-radius:8px;padding:16px 18px;font-size:12.5px;color:#3E5266;line-height:1.6;}
.trademark-note b{color:var(--navy-950);}
.call-btn{display:inline-flex;align-items:center;gap:9px;background:var(--navy-900);color:#fff;padding:14px 22px;border-radius:8px;font-weight:700;font-size:15.5px;border:none;cursor:pointer;}
.call-btn:hover{background:var(--blue-600);}

/* ---------- Footer ---------- */
footer{background:var(--navy-950);color:#B9C6D3;padding:56px 0 0;margin-top:0;}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px;}
.foot-brand .brand{margin-bottom:12px;}
.foot-brand .brand-text .name{color:#fff;}
.foot-brand p{font-size:12.5px;line-height:1.6;color:#8FA0B0;margin:8px 0;}
footer h4{color:#fff;font-size:13.5px;margin-bottom:14px;letter-spacing:.02em;}
footer ul{list-style:none;padding:0;margin:0;}
footer li{margin-bottom:10px;font-size:13px;}
footer li a:hover{color:#fff;}
.contact-line{display:flex;gap:8px;margin-bottom:12px;font-size:13px;align-items:flex-start;}
.contact-line .ic{width:15px;height:15px;margin-top:2px;flex-shrink:0;color:var(--gold-500);}
.legal-box{border-top:1px solid rgba(255,255,255,0.1);padding:28px 0;}
.legal-inner{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:10px;padding:22px 24px;font-size:11.8px;line-height:1.7;color:#93A3B2;}
.legal-inner b{color:#C9D6E1;}
.legal-inner p{margin:0 0 12px;}
.copyright{text-align:center;font-size:12px;color:#7A8B9B;padding:22px 0;}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  nav.mainnav{display:none;}
  header .wrap.header-grid{grid-template-columns:auto auto;justify-content:space-between;}
  .two-col, .three-col, .contact-grid{grid-template-columns:1fr;}
  .four-col{grid-template-columns:repeat(2,1fr);}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .page-hero h1{font-size:28px;}
  .type-grid{grid-template-columns:1fr 1fr;}
  .hero-grid{grid-template-columns:1fr !important;gap:32px !important;padding-bottom:32px !important;}
}

@media (max-width:700px){
  .wrap{padding:0 18px;}
  .topbar .wrap{padding:8px 18px;flex-wrap:wrap;row-gap:4px;justify-content:center;text-align:center;}
  .topbar .hours{font-size:11.5px;}
  header .wrap{padding:12px 18px;}
  header .wrap.header-grid{gap:12px;}
  .logo-full{height:36px;}
  .btn-quote{padding:10px 16px;font-size:13px;}
  .page-hero{padding:32px 0 28px;}
  .page-hero h1{font-size:24px;}
  .section{padding:36px 0;}
  .section h2{font-size:20px;}
  .cta-box{padding:32px 18px;}
  .cta-box h2{font-size:21px;}
  .quote-flow.compact .qf-head{padding:18px;}
  .quote-flow.compact .qf-body{padding:18px;}
  a.link-btn{display:block !important;}
  .call-btn{width:100%;justify-content:center;}
}

@media (max-width:480px){
  .foot-grid{grid-template-columns:1fr;}
  .type-grid{grid-template-columns:1fr;}
  .four-col{grid-template-columns:1fr 1fr;}
  .page-hero h1{font-size:22px;}
  .hero-grid{gap:24px !important;padding-bottom:24px !important;}
}

@media (max-width:360px){
  .four-col{grid-template-columns:1fr;}
}