/* Business Insurance Guide — main stylesheet */
:root {
  --navy-900: #0b1f33;
  --navy-800: #10293f;
  --navy-700: #16344f;
  --navy-600: #1f4266;
  --ink: #16283a;
  --ink-soft: #46586c;
  --line: #dfe7ee;
  --bg: #f6f9fc;
  --card: #ffffff;
  --orange: #f4770b;
  --orange-dark: #d96406;
  --orange-soft: #fff1e4;
  --green: #148a5c;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(11, 31, 51, 0.06), 0 8px 24px rgba(11, 31, 51, 0.07);
  --font: "Inter", -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--navy-600); }

.container { width: min(1140px, 100% - 2.5rem); margin-inline: auto; }
.container-narrow { width: min(760px, 100% - 2.5rem); }

h1, h2, h3 { line-height: 1.2; font-weight: 800; letter-spacing: -0.015em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.15rem; }
.lede { font-size: clamp(1.05rem, 2vw, 1.25rem); color: var(--ink-soft); margin-top: 0.9rem; max-width: 40rem; }

.icon { width: 1.15em; height: 1.15em; vertical-align: -0.2em; }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
/* the header row needs more room than the content container — let it use the
   full window up to 1400px so the nav fits on one line */
.site-header .container { width: min(1400px, 100% - 2rem); }
.header-inner { display: flex; align-items: center; gap: 1.25rem; height: 68px; }
.cta-short { display: none; }
.brand {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-weight: 800; font-size: 1.05rem; color: var(--navy-900);
  text-decoration: none; white-space: nowrap;
}
.brand b { color: var(--orange); }
.brand-mark { width: 26px; height: 26px; flex: none; color: var(--orange); }
.main-nav { display: flex; gap: 1.1rem; margin-left: auto; flex-wrap: wrap; }
.main-nav a {
  text-decoration: none; color: var(--ink-soft); font-weight: 600; font-size: 0.92rem;
  padding: 0.35rem 0; border-bottom: 2px solid transparent;
}
.main-nav a:hover { color: var(--navy-900); }
.main-nav a.active { color: var(--navy-900); border-bottom-color: var(--orange); }
.header-cta { display: flex; align-items: center; gap: 0.75rem; margin-left: auto; }
.main-nav + .header-cta { margin-left: 0; }
.nav-toggle { display: none; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font: 700 0.95rem var(--font);
  padding: 0.65rem 1.25rem; border-radius: 999px;
  text-decoration: none; cursor: pointer; border: 2px solid transparent;
  transition: transform 0.12s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:active { transform: scale(0.98); }
.btn-lg { padding: 0.85rem 1.7rem; font-size: 1.02rem; }
.btn-primary { background: var(--orange); color: #fff; }
.btn-primary:hover { background: var(--orange-dark); }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--navy-800); }
.btn-outline:hover { background: var(--navy-800); color: #fff; }
.hero .btn-outline { color: #fff; border-color: rgba(255, 255, 255, 0.6); }
.hero .btn-outline:hover { background: #fff; color: var(--navy-900); }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { background: var(--orange-soft); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.55); }
.btn-ghost:hover { background: rgba(255, 255, 255, 0.12); }
.btn-block { width: 100%; }

/* ---------- hero ---------- */
.hero {
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(244, 119, 11, 0.16), transparent 60%),
    linear-gradient(160deg, var(--navy-900), var(--navy-700) 70%);
  color: #fff;
  padding: clamp(3rem, 7vw, 5.5rem) 0;
}
.hero .lede { color: #cfdcea; }
.hero-inner { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 3rem; align-items: center; }
.hero h1 .accent { color: var(--orange); }
.hero-actions { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-top: 1.6rem; }
.hero-art { display: flex; justify-content: center; }
.hero-badge-card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  padding: 2rem;
  display: grid; gap: 0.6rem; justify-items: center; text-align: center;
  max-width: 300px;
}
.hero-badge-card span { color: #cfdcea; font-size: 0.92rem; }
.hero-shield { width: 84px; height: 84px; color: var(--orange); }

.trust-bar {
  list-style: none; display: flex; flex-wrap: wrap; gap: 0.6rem 1.6rem;
  margin-top: 1.8rem; font-weight: 600; font-size: 0.92rem;
}
.hero .trust-bar { color: #dfe9f3; }
.trust-bar .icon { color: var(--orange); }

.hero-sub { padding: clamp(2.2rem, 5vw, 3.6rem) 0; }
.hero-sub-inner { display: flex; gap: 1.6rem; align-items: flex-start; margin-top: 1rem; }
.breadcrumbs { font-size: 0.85rem; color: #9fb3c8; }
.breadcrumbs a { color: #cfdcea; text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }

/* ---------- sections ---------- */
.section { padding: clamp(2.6rem, 6vw, 4.5rem) 0; }
.section-alt { background: #fff; border-block: 1px solid var(--line); }
.section-title { text-align: center; }
.section-sub { text-align: center; color: var(--ink-soft); margin-top: 0.5rem; }
.section-title + .grid, .section-sub + .grid, .section-title + .steps { margin-top: 2.2rem; }
.center { text-align: center; }
.section .center { margin-top: 2.2rem; }

.grid { display: grid; gap: 1.4rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

/* ---------- cards ---------- */
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.6rem;
}
.product-card { display: flex; flex-direction: column; gap: 0.7rem; }
.product-card p { color: var(--ink-soft); font-size: 0.95rem; flex: 1; }
.product-card h3 a { color: var(--navy-900); text-decoration: none; }
.product-card h3 a:hover { color: var(--orange-dark); }
.card-head { display: flex; justify-content: space-between; align-items: center; }
.card-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; border-radius: 12px;
  background: var(--orange-soft); color: var(--orange-dark); flex: none;
}
.card-icon .icon { width: 28px; height: 28px; }
.card-icon-lg { width: 72px; height: 72px; background: rgba(255, 255, 255, 0.1); color: var(--orange); }
.card-icon-lg .icon { width: 40px; height: 40px; }
.badge {
  display: inline-block; background: var(--orange-soft); color: var(--orange-dark);
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em;
  padding: 0.25rem 0.7rem; border-radius: 999px;
}
.hero .badge { background: rgba(244, 119, 11, 0.2); color: #ffb877; margin-bottom: 0.5rem; }
.card-actions { display: flex; gap: 0.7rem; flex-wrap: wrap; margin-top: 0.4rem; }
.card-actions .btn { padding: 0.55rem 1.05rem; font-size: 0.88rem; }

.industry-card { display: grid; gap: 0.7rem; justify-items: start; }
.industry-card p { color: var(--ink-soft); }

/* ---------- steps ---------- */
.steps { counter-reset: step; }
.step { text-align: center; padding: 1rem; }
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy-800); color: #fff; font-weight: 800; font-size: 1.15rem;
  margin-bottom: 0.8rem;
}
.step p { color: var(--ink-soft); font-size: 0.95rem; }

/* ---------- product page split ---------- */
.split { display: grid; grid-template-columns: 1.5fr 1fr; gap: 2.5rem; align-items: start; }
.split-main p { margin-top: 1rem; color: var(--ink-soft); }
.split-main h2 { margin-bottom: 0.3rem; }
.covers-card { position: sticky; top: 90px; display: grid; gap: 1rem; }
.check-list { list-style: none; display: grid; gap: 0.65rem; }
.check-list .icon { color: var(--green); }
.fine-print { font-size: 0.8rem; color: var(--ink-soft); }

/* ---------- FAQ ---------- */
.faq {
  background: var(--bg); border: 1px solid var(--line); border-radius: 10px;
  padding: 1rem 1.25rem; margin-top: 0.8rem;
}
.faq summary { font-weight: 700; cursor: pointer; }
.faq[open] summary { color: var(--orange-dark); }
.faq p { margin-top: 0.6rem; color: var(--ink-soft); }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--orange-dark), var(--orange));
  color: #fff; padding: clamp(2.4rem, 5vw, 3.6rem) 0;
}
.cta-inner { display: flex; gap: 2rem; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.cta-inner p { max-width: 34rem; margin-top: 0.4rem; color: #fff3e8; }
.cta-actions { display: flex; gap: 0.8rem; flex-wrap: wrap; }

/* ---------- review form ---------- */
.review-form { padding: 2rem; }
.form-steps {
  list-style: none; display: flex; gap: 0.5rem; margin-bottom: 1.6rem;
  font-size: 0.85rem; font-weight: 600; color: var(--ink-soft); flex-wrap: wrap;
}
.form-steps li { display: flex; align-items: center; gap: 0.45rem; padding: 0.3rem 0.6rem; border-radius: 999px; }
.form-steps li b {
  display: inline-flex; align-items: center; justify-content: center;
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--line); color: var(--ink); font-size: 0.8rem;
}
.form-steps li.current { background: var(--orange-soft); color: var(--orange-dark); }
.form-steps li.current b { background: var(--orange); color: #fff; }
.form-steps li.done b { background: var(--green); color: #fff; }
.form-step { border: 0; display: grid; gap: 1.1rem; }
.form-step legend { font-weight: 800; font-size: 1.2rem; margin-bottom: 0.6rem; }
.form-step label { display: grid; gap: 0.35rem; font-weight: 600; font-size: 0.92rem; }
.form-step input, .form-step select {
  font: 400 1rem var(--font); color: var(--ink);
  padding: 0.7rem 0.9rem; border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
}
.form-step input:focus, .form-step select:focus { outline: 2px solid var(--orange); outline-offset: 1px; border-color: var(--orange); }
.form-nav { display: flex; gap: 0.8rem; justify-content: flex-end; margin-top: 0.4rem; }
.form-success { text-align: center; padding: 2rem 0; }
.form-success p { margin-top: 0.8rem; color: var(--ink-soft); }
.field-error { outline: 2px solid #d33 !important; border-color: #d33 !important; }

/* ---------- legal ---------- */
.legal h2 { margin-top: 2rem; font-size: 1.25rem; }
.legal p, .legal ul { margin-top: 0.8rem; color: var(--ink-soft); }
.legal ul { padding-left: 1.3rem; }

/* ---------- 404 ---------- */
.center-page { padding: clamp(4rem, 10vw, 7rem) 0; }
.center-actions { justify-content: center; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-900); color: #b9c9d9; padding: 3.2rem 0 2rem; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 0.9fr; gap: 2.5rem; }
.brand-light { color: #fff; }
.footer-about p { margin-top: 0.9rem; font-size: 0.92rem; }
.footer-about a { color: #ffb877; text-decoration: none; }
.footer-about a:hover { text-decoration: underline; }
.footer-nav { display: grid; gap: 0.45rem; align-content: start; }
.footer-nav h3 { color: #fff; font-size: 0.95rem; margin-bottom: 0.4rem; }
.footer-nav a { color: #b9c9d9; text-decoration: none; font-size: 0.92rem; }
.footer-nav a:hover { color: #fff; }
.footer-disclaimer {
  margin-top: 2.4rem; padding-top: 1.6rem; border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.78rem; line-height: 1.7; color: #8fa3b5;
}
.footer-copy { margin-top: 1rem; font-size: 0.85rem; }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-art { display: none; }
  .split { grid-template-columns: 1fr; }
  .covers-card { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
}
@media (max-width: 1280px) {
  .main-nav {
    display: none;
    position: absolute; top: 68px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; gap: 0; padding: 0.5rem 1.25rem 1rem;
    box-shadow: var(--shadow);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 0.6rem 0; border-bottom: 0; font-size: 1rem; }
  .nav-toggle {
    display: inline-flex; flex-direction: column; gap: 4.5px;
    background: none; border: 0; cursor: pointer; padding: 0.5rem;
  }
  .nav-toggle span { width: 22px; height: 2.5px; background: var(--navy-900); border-radius: 2px; }
}
@media (max-width: 700px) {
  .site-header .container { width: 100%; padding-inline: 0.9rem; }
  .header-inner { gap: 0.6rem; }
  .brand { font-size: 0.92rem; gap: 0.4rem; }
  .brand-mark { width: 22px; height: 22px; }
  .header-cta { gap: 0.35rem; }
  .header-cta .btn { padding: 0.5rem 0.85rem; font-size: 0.82rem; }
  .cta-long { display: none; }
  .cta-short { display: inline; }
  .nav-toggle { padding: 0.4rem; }
}
@media (max-width: 620px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.8rem; }
  .hero-sub-inner { flex-direction: column; }
  .form-nav { justify-content: stretch; flex-direction: column-reverse; }
  .form-nav .btn { width: 100%; }
}