/* Insure With Cierra — shared design system
   Brand: Poppins (headings) + Space Grotesk (body), deep-blue accent.
   Used by every page so the site reads as one cohesive whole. */

:root {
  --bg: radial-gradient(circle at 15% 10%, #fbfdfb 0, #eef4ef 28%, #e3eded 55%, #cfe0e1 80%, #b9d2d4 100%);
  --card: #ffffff;
  --text: #1e2d2f;
  --ink: #16243f;
  --accent: #2f4a7c;
  --accent-dark: #1d2f52;
  --green: #5f7244;
  --green-dark: #46552f;
  --muted: #4b6668;
  --muted-2: #5b6b78;
  --line: rgba(15, 23, 42, 0.10);
  --muted-light: #b7cfd4;
  --shadow: 0 22px 60px rgba(22, 36, 63, 0.18);
  --shadow-sm: 0 10px 30px rgba(15, 23, 42, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; overflow-x: clip; }

body {
  margin: 0;
  min-height: 100vh;
  overflow-x: clip;
  background: var(--bg);
  background-attachment: fixed;
  color: var(--text);
  font-family: 'Space Grotesk', system-ui, -apple-system, sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-dark); }

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

h1, h2, h3 { font-family: 'Poppins', sans-serif; letter-spacing: -0.4px; color: var(--ink); }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding-top: 12px; padding-bottom: 12px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-badge {
  height: 42px; width: auto; flex-shrink: 0; object-fit: contain;
}
.brand-name { font-family: 'Poppins', sans-serif; font-weight: 600; line-height: 1.2; color: var(--ink); }
.brand-sub { color: var(--muted); font-size: 12.5px; }

nav.main-nav { display: flex; align-items: center; gap: 4px; }
nav.main-nav a {
  padding: 8px 12px; border-radius: 10px; color: var(--muted-2);
  font-weight: 600; font-size: 15px; transition: background 0.15s, color 0.15s;
}
nav.main-nav a:hover, nav.main-nav a.active { background: rgba(47, 74, 124, 0.10); color: var(--ink); }
/* The "Get a Quote" button in the nav must keep white text (override the nav link color). */
nav.main-nav a.btn, nav.main-nav a.btn:hover { color: #fff; background: var(--accent); }
nav.main-nav a.btn:hover { background: var(--accent-dark); }

.menu-group { position: relative; }
.menu-trigger {
  background: none; border: none; font-family: inherit; cursor: pointer;
  padding: 8px 12px; border-radius: 10px; color: var(--muted-2);
  font-weight: 600; font-size: 15px;
}
.menu-trigger:hover { background: rgba(47, 74, 124, 0.10); color: var(--ink); }
.menu-panel {
  position: absolute; left: 0; top: calc(100% + 6px);
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow-sm); padding: 8px; display: grid; gap: 4px; min-width: 190px;
  opacity: 0; pointer-events: none; transform: translateY(-4px);
  transition: opacity 0.12s ease, transform 0.12s ease; z-index: 50;
}
.menu-group:hover .menu-panel, .menu-group:focus-within .menu-panel {
  opacity: 1; pointer-events: auto; transform: translateY(0);
}
.menu-panel a { display: block; padding: 9px 12px; border-radius: 9px; color: var(--ink); font-weight: 500; }
.menu-panel a:hover { background: rgba(47, 74, 124, 0.08); }

.btn {
  display: inline-block; border: none; cursor: pointer; font-family: inherit;
  background: var(--accent); color: #fff; padding: 12px 20px;
  border-radius: 12px; font-weight: 700; font-size: 15px;
  box-shadow: 0 14px 28px rgba(47, 74, 124, 0.30);
  transition: transform 0.12s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.btn:hover { transform: translateY(-1px); background: var(--accent-dark); color: #fff; box-shadow: 0 18px 34px rgba(47, 74, 124, 0.38); }
.btn:active { transform: translateY(0); }
.btn-ghost {
  background: #fff; color: var(--accent); border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
}
.btn-ghost:hover { background: rgba(47, 74, 124, 0.06); color: var(--accent-dark); }
.btn-lg { padding: 15px 26px; font-size: 16px; }

/* mobile nav toggle */
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; border-radius: 10px; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; display: block; width: 22px; height: 2px; background: var(--ink); position: relative; transition: 0.2s;
}
.nav-toggle span::before { position: absolute; top: -7px; }
.nav-toggle span::after { position: absolute; top: 7px; }

/* ---------- Page layout ---------- */
.page { padding: 48px 0 72px; }
.section { margin: 56px 0; }
.section:first-child { margin-top: 40px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(47, 74, 124, 0.10); color: var(--accent-dark);
  font-weight: 700; font-size: 13px; letter-spacing: 0.4px; text-transform: uppercase;
  padding: 7px 14px; border-radius: 999px;
}

.lede { color: var(--muted-2); font-size: 18px; max-width: 720px; }

/* ---------- Hero ---------- */
.hero {
  margin-top: 40px; padding: 48px 40px; border-radius: 26px; position: relative; overflow: hidden;
  background: linear-gradient(145deg, rgba(47, 74, 124, 0.97), rgba(29, 47, 82, 0.96));
  color: #fff; box-shadow: var(--shadow);
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -100px; width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(255,255,255,0.22), rgba(255,255,255,0) 70%); pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; max-width: 760px; margin: 0 auto; text-align: center; }
.hero-seal {
  width: clamp(128px, 32vw, 152px); height: clamp(128px, 32vw, 152px);
  border-radius: 50%; background: #fff; object-fit: contain; display: block; margin: 0 auto 22px;
  box-shadow: 0 18px 44px rgba(0, 0, 0, 0.28); border: 3px solid rgba(255, 255, 255, 0.85);
}
/* Coverage-section badges: centered circular "coin" on each coverage page hero. */
.hero-badge {
  width: clamp(150px, 36vw, 176px); height: clamp(150px, 36vw, 176px);
  border-radius: 50%; background: #fff; object-fit: contain; padding: 4px;
  display: block; margin: 0 auto 22px; box-shadow: 0 18px 44px rgba(0, 0, 0, 0.28);
  border: 3px solid rgba(255, 255, 255, 0.85);
}
.hero h1 { color: #fff; font-size: clamp(30px, 5vw, 46px); line-height: 1.1; margin: 16px 0 12px; }
.hero p { color: rgba(255,255,255,0.92); font-size: 18px; margin: 0 0 24px; }
.hero .eyebrow { background: rgba(255,255,255,0.16); color: #fff; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }
.hero .btn-ghost { background: rgba(255,255,255,0.14); color: #fff; border: 1px solid rgba(255,255,255,0.3); box-shadow: none; }
.hero .btn-ghost:hover { background: rgba(255,255,255,0.24); color: #fff; }
/* Primary hero CTA: white on navy for strong contrast. */
.hero .btn:not(.btn-ghost) { background: #fff; color: var(--accent); }
.hero .btn:not(.btn-ghost):hover { background: #e9eef7; color: var(--accent-dark); }
.trust-strip {
  display: flex; gap: 10px; align-items: center; flex-wrap: wrap; justify-content: center;
  margin-top: 22px; font-size: 14px; color: rgba(255,255,255,0.9);
}
.trust-strip .dot { opacity: 0.6; }

/* ---------- Cards & grids ---------- */
.card-grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 18px;
  padding: 26px; box-shadow: var(--shadow-sm); transition: transform 0.15s ease, box-shadow 0.2s ease;
}
.card.link-card:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(15,23,42,0.14); }
.card h3 { margin: 0 0 8px; font-size: 20px; }
.card p { margin: 0; color: var(--muted-2); }
.card .card-icon {
  width: 50px; height: 50px; border-radius: 14px; margin-bottom: 16px;
  background: rgba(47, 74, 124, 0.10); display: grid; place-items: center; font-size: 24px;
}
.card .card-badge {
  width: 96px; height: 96px; margin-bottom: 10px; object-fit: contain;
}
.card .more { display: inline-block; margin-top: 14px; font-weight: 700; color: var(--accent); }

.section-head { text-align: center; max-width: 720px; margin: 0 auto 32px; }
.section-head h2 { font-size: clamp(26px, 4vw, 34px); margin: 12px 0 10px; }
.section-head p { color: var(--muted-2); font-size: 17px; margin: 0; }

/* content prose blocks */
.prose { max-width: 760px; }
.prose h2 { font-size: 26px; margin: 36px 0 12px; }
.prose h3 { font-size: 19px; margin: 26px 0 8px; }
.prose p { color: var(--text); margin: 0 0 14px; }
.prose ul { margin: 0 0 16px; padding-left: 0; list-style: none; display: grid; gap: 10px; }
.prose ul li { position: relative; padding-left: 28px; color: var(--text); }
.prose ul li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--green); font-weight: 700; }

/* two-column content + sidebar */
.split { display: grid; grid-template-columns: 1.5fr 1fr; gap: 32px; align-items: start; }
.sidebar-card {
  position: sticky; top: 92px;
  background: var(--card); border: 1px solid var(--line); border-radius: 18px;
  padding: 24px; box-shadow: var(--shadow-sm);
}
.sidebar-card h3 { margin: 0 0 10px; font-size: 18px; }
.sidebar-card p { color: var(--muted-2); font-size: 15px; margin: 0 0 16px; }

/* steps */
.steps { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.step { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px; box-shadow: var(--shadow-sm); }
.step-num {
  width: 40px; height: 40px; border-radius: 12px; margin-bottom: 14px;
  background: var(--accent); color: #fff; display: grid; place-items: center;
  font-family: 'Poppins', sans-serif; font-weight: 700;
}
.step h3 { margin: 0 0 6px; font-size: 18px; }
.step p { margin: 0; color: var(--muted-2); }

/* testimonials */
.quote-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px; box-shadow: var(--shadow-sm); }
.quote-card .stars { color: #f5b301; margin-bottom: 8px; }
.quote-card p { margin: 0; font-size: 16px; }

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow-sm); overflow: hidden; }
.faq-item summary {
  cursor: pointer; list-style: none; padding: 18px 22px; font-weight: 600; font-size: 17px;
  display: flex; justify-content: space-between; align-items: center; gap: 12px; color: var(--ink);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 24px; color: var(--accent); font-weight: 400; line-height: 1; }
.faq-item[open] summary::after { content: "–"; }
.faq-item .faq-body { padding: 0 22px 20px; color: var(--muted-2); }
.faq-item .faq-body p { margin: 0; }

/* CTA band */
.cta-band {
  margin: 64px 0 0; background: var(--ink); color: #fff; border-radius: 22px; padding: 36px;
  display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap;
  box-shadow: 0 18px 45px rgba(11,18,37,0.4);
}
.cta-band h2 { color: #fff; margin: 0 0 6px; font-size: 26px; }
.cta-band p { margin: 0; color: rgba(255,255,255,0.78); }

/* contact info rows */
.info-list { display: grid; gap: 14px; }
.info-row { display: grid; grid-template-columns: auto 1fr; gap: 14px; align-items: start; }
.info-row .ico { width: 42px; height: 42px; border-radius: 12px; background: rgba(47, 74, 124,0.10); display: grid; place-items: center; font-size: 20px; }
.info-row .label { font-size: 13px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--muted); font-weight: 700; }
.info-row .value { font-size: 17px; color: var(--ink); font-weight: 600; }

/* avatar */
.avatar {
  width: 150px; height: 150px; border-radius: 50%; object-fit: cover; object-position: top center;
  border: 4px solid #fff; box-shadow: var(--shadow);
}

/* ---------- Footer ---------- */
.site-footer { margin-top: 72px; border-top: 1px solid var(--line); background: rgba(255,255,255,0.6); }
.site-footer .wrap { padding-top: 36px; padding-bottom: 36px; display: grid; gap: 24px; grid-template-columns: 1.4fr 1fr 1fr; }
.site-footer h4 { font-family: 'Poppins', sans-serif; font-size: 15px; margin: 0 0 12px; color: var(--ink); }
.site-footer a, .site-footer p { color: var(--muted-2); font-size: 14.5px; }
.site-footer .foot-links { display: grid; gap: 8px; }
.site-footer .disclaimer { grid-column: 1 / -1; border-top: 1px solid var(--line); padding-top: 18px; color: var(--muted); font-size: 13px; line-height: 1.6; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .split { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .site-footer .wrap { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  nav.main-nav {
    position: fixed; inset: 0 0 0 auto; width: min(300px, 82vw);
    background: #fff; box-shadow: -10px 0 40px rgba(15,23,42,0.18);
    flex-direction: column; align-items: stretch; gap: 4px; padding: 80px 18px 24px;
    transform: translateX(100%); transition: transform 0.2s ease; z-index: 45;
  }
  nav.main-nav.open { transform: translateX(0); }
  nav.main-nav a, .menu-trigger { font-size: 16px; padding: 12px 14px; }
  .menu-panel { position: static; opacity: 1; pointer-events: auto; transform: none; box-shadow: none; border: none; padding: 0 0 0 12px; min-width: 0; }
  .menu-group:hover .menu-panel { transform: none; }
  .nav-toggle { display: block; z-index: 46; }
  .hero { padding: 36px 24px; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .site-footer .wrap { grid-template-columns: 1fr; }
}

/* ---------- Mobile optimization refinements ---------- */
@media (max-width: 760px) {
  /* backdrop-filter makes the header the containing block for the fixed nav drawer,
     which clips the drawer's background. Disable it on mobile so the drawer fills the screen. */
  .site-header { background: #fff; backdrop-filter: none; -webkit-backdrop-filter: none; }
  .wrap { padding: 0 18px; }
  .page { padding: 32px 0 56px; }
  .section { margin: 40px 0; }
  .section:first-child { margin-top: 28px; }
  .hero { margin-top: 24px; border-radius: 20px; }
  .hero h1 { font-size: clamp(26px, 7vw, 34px); }
  .hero p { font-size: 16px; }
  .lede { font-size: 16px; }
  .section-head h2 { font-size: 24px; }
  .cta-band { padding: 28px 22px; border-radius: 18px; margin-top: 48px; }
  .card { padding: 22px; }
  .hero-actions .btn { width: 100%; }            /* full-width, easy-to-thumb CTAs */
  nav.main-nav a.btn { text-align: center; margin-top: 8px; }
}
@media (max-width: 480px) {
  .wrap { padding: 0 14px; }
  .hero { padding: 28px 18px; }
  .section { margin: 34px 0; }
  .section-head p { font-size: 15px; }
  .btn-lg { padding: 14px 20px; font-size: 15px; }
}

/* Dimming backdrop behind the open mobile menu */
.nav-backdrop { position: fixed; inset: 0; background: rgba(11,18,37,0.45); z-index: 900; opacity: 0; pointer-events: none; transition: opacity 0.2s ease; }
.nav-backdrop.show { opacity: 1; pointer-events: auto; }