/* =====================================================================
   City Insurance Plus — site.css
   Palette (from the agency logo): navy #002060, gold #FFC000.
   Background is LIGHT GREY on purpose (no bright white).
   HERMES: safe to edit colors in the :root block only.
   ===================================================================== */
:root {
  --navy: #002060;
  --navy-dark: #001640;
  --gold: #FFC000;
  --gold-dark: #E6AD00;
  --bg: #EEF0F3;          /* page background — light grey, never white */
  --card: #FBFBF9;        /* card surface — soft off-white */
  --ink: #1C2B4A;         /* body text */
  --muted: #55627A;       /* secondary text */
  --line: #D8DCE3;        /* borders */
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
  font-size: 17px;
}
img { max-width: 100%; }
a { color: var(--navy); }
.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* ---------- header ---------- */
.site-header { background: var(--navy); border-bottom: 4px solid var(--gold); }
.site-header .container {
  display: flex; align-items: center; flex-wrap: wrap; gap: 10px 24px;
  padding-top: 12px; padding-bottom: 12px;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img.mark { height: 46px; width: auto; }
.brand .brand-name { color: #fff; font-weight: 700; font-size: 1.15rem; letter-spacing: .2px; }
.brand .brand-name .plus { color: var(--gold); }
.site-nav { display: flex; flex-wrap: wrap; gap: 4px 18px; margin-left: auto; align-items: center; }
.site-nav a { color: #E8ECF5; text-decoration: none; font-weight: 600; font-size: .95rem; padding: 4px 2px; }
.site-nav a:hover { color: var(--gold); }
.site-nav a.active { color: var(--gold); border-bottom: 2px solid var(--gold); }
.call-btn {
  background: var(--gold); color: var(--navy) !important; font-weight: 700;
  padding: 8px 16px; border-radius: 6px; text-decoration: none; white-space: nowrap;
}
.call-btn:hover { background: var(--gold-dark); }

/* ---------- hero ---------- */
.hero { padding: 56px 0 40px; }
.hero h1 { color: var(--navy); font-size: 2.1rem; line-height: 1.25; max-width: 760px; }
.hero .sub { margin-top: 12px; font-size: 1.15rem; color: var(--muted); max-width: 680px; }

/* product picker */
.picker { margin-top: 28px; }
.picker .picker-label { font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.picker-grid { display: flex; flex-wrap: wrap; gap: 12px; }
.pick {
  border: 2px solid var(--line); background: var(--card); border-radius: 10px;
  padding: 14px 20px; font-weight: 600; cursor: pointer; user-select: none;
  color: var(--ink); font-size: 1rem;
}
.pick:hover { border-color: var(--navy); }
.pick.selected { border-color: var(--gold); background: #FFF6DC; color: var(--navy); }
.pick.selected::before { content: "✓ "; color: var(--gold-dark); font-weight: 800; }
.hero .cta-row { margin-top: 22px; display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.btn {
  display: inline-block; background: var(--gold); color: var(--navy); font-weight: 700;
  font-size: 1.05rem; padding: 13px 28px; border-radius: 8px; text-decoration: none;
  border: none; cursor: pointer;
}
.btn:hover { background: var(--gold-dark); }
.btn.secondary { background: transparent; border: 2px solid var(--navy); color: var(--navy); }
.btn.secondary:hover { background: var(--navy); color: #fff; }

/* ---------- sections ---------- */
section { padding: 44px 0; }
section.alt { background: #F5F6F8; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
h2 { color: var(--navy); font-size: 1.6rem; margin-bottom: 8px; }
.section-sub { color: var(--muted); margin-bottom: 26px; max-width: 700px; }

/* trust bullets */
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.trust {
  background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 18px 20px;
  border-top: 3px solid var(--gold);
}
.trust h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 6px; }
.trust p { color: var(--muted); font-size: .95rem; }

/* coverage cards */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 10px;
  padding: 22px; display: block; text-decoration: none; color: var(--ink);
}
.card:hover { border-color: var(--navy); box-shadow: 0 2px 10px rgba(0,32,96,.08); }
.card h3 { color: var(--navy); margin-bottom: 6px; font-size: 1.15rem; }
.card p { color: var(--muted); font-size: .95rem; }
.card .go { display: inline-block; margin-top: 10px; color: var(--gold-dark); font-weight: 700; font-size: .9rem; }

/* carrier strip */
.carriers { text-align: center; }
.carrier-row {
  display: flex; flex-wrap: wrap; justify-content: center; align-items: center;
  gap: 28px 40px; margin-top: 20px;
}
.carrier-row .chip {
  background: #fff; border: 1px solid var(--line); border-radius: 8px;
  padding: 12px 18px; display: flex; align-items: center; min-height: 62px;
}
.carrier-row img { height: 30px; width: auto; display: block; }
.carrier-row img.sq { height: 42px; border-radius: 6px; }
.carrier-row .textmark { font-weight: 800; font-size: 1.15rem; color: #333; letter-spacing: .5px; }
.carrier-row .chip .textmark br + * { display: inline; }
.carrier-row .chip .textmark { line-height: 1.15; text-align: left; }
.carrier-row .chip:has(img.sq) .textmark { font-size: .9rem; }
.carrier-note { margin-top: 16px; color: var(--muted); font-size: .9rem; }

/* steps */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; counter-reset: step; }
.step { background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 20px; }
.step .num {
  width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center; font-weight: 800; margin-bottom: 10px;
}
.step h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 4px; }
.step p { color: var(--muted); font-size: .95rem; }

/* ---------- forms ---------- */
.form-wrap {
  background: var(--card); border: 1px solid var(--line); border-radius: 12px;
  padding: 28px; max-width: 720px; border-top: 4px solid var(--gold);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-grid .full { grid-column: 1 / -1; }
label { font-weight: 600; color: var(--navy); font-size: .92rem; display: block; margin-bottom: 4px; }
input[type=text], input[type=tel], input[type=email], select, textarea {
  width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: 7px;
  font-size: 1rem; font-family: inherit; background: #fff; color: var(--ink);
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
textarea { min-height: 110px; resize: vertical; }
.radio-row { display: flex; gap: 18px; flex-wrap: wrap; }
.radio-row label { font-weight: 500; display: flex; align-items: center; gap: 7px; margin: 0; }
.form-note { color: var(--muted); font-size: .85rem; margin-top: 12px; }
.hidden { display: none; }

/* ---------- FAQ accordion ---------- */
.faq-group h2 { margin-top: 34px; }
details.faq {
  background: var(--card); border: 1px solid var(--line); border-radius: 9px;
  margin-top: 10px; overflow: hidden;
}
details.faq summary {
  cursor: pointer; font-weight: 700; color: var(--navy); padding: 15px 18px;
  list-style: none; position: relative; padding-right: 44px;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after {
  content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%);
  color: var(--gold-dark); font-size: 1.4rem; font-weight: 800;
}
details.faq[open] summary::after { content: "–"; }
details.faq .answer { padding: 0 18px 16px; color: var(--ink); }
details.faq .answer p + p { margin-top: 8px; }

/* line-page content blocks */
.two-col { display: grid; grid-template-columns: 1.4fr 1fr; gap: 28px; align-items: start; }
.checklist { list-style: none; }
.checklist li { padding: 7px 0 7px 30px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 800; }
.side-cta {
  background: var(--navy); color: #fff; border-radius: 12px; padding: 26px; text-align: center;
}
.side-cta h3 { color: var(--gold); margin-bottom: 8px; }
.side-cta p { color: #D9DFEF; font-size: .95rem; margin-bottom: 16px; }
.side-cta .phone { display: block; color: #fff; font-size: 1.25rem; font-weight: 800; text-decoration: none; margin-top: 12px; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-dark); color: #C9D1E4; margin-top: 40px; padding: 40px 0 26px; }
.site-footer a { color: #E8ECF5; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 28px; }
.footer-grid h4 { color: var(--gold); font-size: .95rem; margin-bottom: 10px; text-transform: uppercase; letter-spacing: .5px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 6px; font-size: .95rem; }
.legal { border-top: 1px solid #2A3B66; margin-top: 30px; padding-top: 18px; font-size: .8rem; color: #8E9AB8; line-height: 1.7; }

@media (max-width: 760px) {
  .hero h1 { font-size: 1.6rem; }
  .two-col, .form-grid { grid-template-columns: 1fr; }
  .site-nav { margin-left: 0; }
}