/* Home page only: the Claude-made landing page styles (dark theme), adapted.
   System fonts (no web-font request); other pages use style.css. */

:root {
  color-scheme: dark;
  --brand: #3d63d6;        /* button blue (logo family) */
  --brand-dark: #2f51b8;
  --brand-light: #8fb0ff;  /* links, eyebrows, icons on dark */
  --ink: #f2f5fb;          /* headings */
  --text: #c4ccdc;
  --muted: #8e98ae;
  --bg: #0a101d;
  --bg-soft: #0e1627;
  --surface: #131d31;
  --surface-2: #18243d;
  --line: #24314d;
  --deep: #060a14;         /* topbar, footer */
  --field: #0c1424;
  --field-line: #2c3a58;
  --radius: 14px;
  --shadow: 0 16px 40px rgba(0, 0, 0, 0.35);
  --max: 1160px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--brand-light); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  color: var(--ink);
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin: 0 0 0.5em;
}
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding-inline: 20px; }

.section { padding-block: clamp(56px, 8vw, 96px); }
.section--soft { background: var(--bg-soft); border-block: 1px solid var(--line); }
.section__head { max-width: 680px; margin-bottom: 40px; }
.section__head--center { margin-inline: auto; text-align: center; }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brand-light);
  margin-bottom: 12px;
}

.lead { font-size: 1.15rem; color: var(--muted); }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--brand); color: #fff; padding: 10px 16px; z-index: 100;
}
.skip-link:focus { left: 10px; top: 10px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 24px;
  border-radius: 999px;
  border: 2px solid transparent;
  font-weight: 700; font-size: 1rem;
  cursor: pointer;
  text-decoration: none !important;
  transition: background 0.15s, color 0.15s, border-color 0.15s, transform 0.15s;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--brand); color: #fff; }
.btn--primary:hover { background: var(--brand-dark); }
.btn--outline { border-color: var(--brand-light); color: var(--brand-light); background: transparent; }
.btn--outline:hover { background: var(--brand-light); color: var(--bg); }
.btn--light { background: #fff; color: var(--bg); }
.btn--ghost-light { border-color: rgba(255,255,255,0.6); color: #fff; }
.btn--ghost-light:hover { background: #fff; color: var(--bg); }
.btn--sm { padding: 9px 16px; font-size: 0.9rem; }
.btn--block { width: 100%; }
.btn:disabled { opacity: 0.6; cursor: wait; transform: none; }

/* ---------- Header ---------- */
.topbar { background: var(--deep); color: var(--muted); font-size: 0.85rem; }
.topbar .container { display: flex; flex-wrap: wrap; gap: 6px 22px; justify-content: flex-end; padding-block: 8px; }
.topbar a { color: var(--ink); }

.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(10, 16, 29, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header .container { display: flex; align-items: center; gap: 24px; min-height: 76px; }
.logo { background: #fff; padding: 7px 12px; border-radius: 10px; }
.logo img { width: 190px; }
.nav { margin-left: auto; display: flex; align-items: center; gap: 6px; }
.nav a {
  color: var(--ink); font-weight: 600; font-size: 0.97rem;
  padding: 8px 12px; border-radius: 8px;
}
.nav a:hover { background: var(--surface); text-decoration: none; }
.nav a[aria-current="page"] { color: var(--brand-light); }
.nav .btn { margin-left: 8px; color: #fff; }
.nav .btn:hover { background: var(--brand-dark); }

.nav-toggle {
  display: none; margin-left: auto;
  background: none; border: 0; padding: 8px; cursor: pointer; color: var(--ink);
}
.nav-toggle svg { width: 28px; height: 28px; }

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav {
    display: none;
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--surface); border-bottom: 1px solid var(--line);
    padding: 8px 20px 20px; box-shadow: var(--shadow);
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .btn { margin: 14px 0 0; border-radius: 999px; border-bottom: 0; }
  .logo img { width: 150px; }
}

/* ---------- Home hero: copy + uncovered team photo ---------- */
.hero {
  background:
    radial-gradient(900px 500px at 85% 20%, rgba(61, 99, 214, 0.25), transparent 60%),
    var(--bg);
  border-bottom: 1px solid var(--line);
}
.hero__grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 56px; align-items: center; padding-block: clamp(56px, 8vw, 104px); }
.hero .lead { color: var(--text); max-width: 560px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero__badges { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 32px; font-size: 0.92rem; color: var(--muted); }
.hero__badges span::before { content: "✓"; color: var(--brand-light); font-weight: 800; margin-right: 8px; }
.hero__photo { margin: 0; position: relative; }
.hero__photo img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; border-radius: 20px; box-shadow: var(--shadow); border: 1px solid var(--line); }
.hero__photo figcaption { margin-top: 12px; font-size: 0.88rem; color: var(--muted); text-align: center; }
@media (max-width: 900px) {
  .hero__grid { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- Inner page banners: Kelly is on the left of every banner photo,
   so the shade and the text sit on the right ---------- */
.page-hero { background: var(--bg); position: relative; overflow: hidden; border-bottom: 1px solid var(--line); }
.page-hero .hero__bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: left 30%;
}
.page-hero .hero__bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(10,16,29,0) 0%, rgba(10,16,29,0.15) 30%, rgba(10,16,29,0.9) 58%, rgba(10,16,29,0.97) 100%);
}
.page-hero .container {
  position: relative;
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 540px);
  padding-block: clamp(56px, 7vw, 96px);
}
.page-hero .container > * { grid-column: 2; }
.page-hero h1 { margin-bottom: 0.3em; }
.page-hero p { color: var(--text); font-size: 1.1rem; margin: 0; }
@media (max-width: 900px) {
  .page-hero .hero__bg { position: relative; inset: auto; aspect-ratio: 16 / 7; }
  .page-hero .hero__bg::after { background: linear-gradient(180deg, transparent 60%, var(--bg) 100%); }
  .page-hero .container { grid-template-columns: 1fr; padding-block: 8px 48px; }
  .page-hero .container > * { grid-column: 1; }
}

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .grid--3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .grid--2, .grid--3 { grid-template-columns: 1fr; } }

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
}
.card--shadow { box-shadow: var(--shadow); }

.product-group { padding: 36px; }
.product-group h3 { font-size: 1.5rem; display: flex; align-items: center; gap: 12px; }
.product-list { list-style: none; padding: 0; margin: 20px 0 28px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 20px; }
.product-list li { display: flex; align-items: center; gap: 10px; font-weight: 600; color: var(--ink); }
.icon {
  flex: none; width: 40px; height: 40px; border-radius: 10px;
  display: grid; place-items: center;
  background: rgba(143, 176, 255, 0.12); color: var(--brand-light);
}
.icon svg { width: 22px; height: 22px; }
.icon--lg { width: 52px; height: 52px; border-radius: 14px; }
.icon--lg svg { width: 28px; height: 28px; }
@media (max-width: 420px) { .product-list { grid-template-columns: 1fr; } }

.feature h3 { margin-top: 16px; }
.feature p { margin: 0; color: var(--muted); }

/* ---------- Split (image + text) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split > img { border-radius: var(--radius); box-shadow: var(--shadow); }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } }

.portraits { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.portraits img { width: 100%; aspect-ratio: 3 / 4; object-fit: cover; object-position: center 15%; border-radius: 12px; border: 1px solid var(--line); }

.stats { display: flex; flex-wrap: wrap; gap: 32px; margin-top: 28px; }
.stat strong { display: block; font-size: 2rem; font-weight: 800; color: var(--brand-light); line-height: 1.1; }
.stat span { font-size: 0.9rem; color: var(--muted); }

/* ---------- Testimonials ---------- */
.quote-card { display: flex; flex-direction: column; gap: 16px; }
.quote-card .stars { color: #f5b942; letter-spacing: 2px; font-size: 1.1rem; }
.quote-card blockquote { margin: 0; color: var(--ink); font-size: 1.02rem; }
.quote-card cite { font-style: normal; font-weight: 700; color: var(--muted); font-size: 0.92rem; margin-top: auto; }

/* ---------- Carriers (logos are dark artwork, so they sit on light tiles) ---------- */
.carriers { display: grid; grid-template-columns: repeat(4, 1fr); list-style: none; padding: 0; margin: 0; gap: 14px; align-items: center; }
.carriers li { background: #e9edf5; border-radius: 12px; padding: 6px 10px; display: grid; place-items: center; aspect-ratio: 280 / 100; }
.carriers img {
  width: 100%; max-width: 210px; height: auto; aspect-ratio: 210 / 75; object-fit: contain;
  filter: grayscale(1); opacity: 0.85; transition: filter 0.2s, opacity 0.2s;
}
.carriers li:hover img { filter: none; opacity: 1; }
@media (max-width: 760px) { .carriers { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Team ---------- */
.team-card { padding: 0; overflow: hidden; }
.team-card img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: center 15%; }
.team-card__body { padding: 24px; }
.team-card__role { color: var(--brand-light); font-weight: 700; font-size: 0.9rem; margin-bottom: 10px; }
.team-card p { font-size: 0.97rem; }

.timeline { list-style: none; padding: 0; margin: 0; border-left: 3px solid var(--line); }
.timeline li { position: relative; padding: 0 0 24px 24px; }
.timeline li::before { content: ""; position: absolute; left: -9px; top: 6px; width: 15px; height: 15px; border-radius: 50%; background: var(--brand-light); border: 3px solid var(--bg); }
.timeline strong { color: var(--ink); display: block; }

/* ---------- Client center ---------- */
.carrier-table { width: 100%; border-collapse: collapse; background: var(--surface); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.carrier-table th, .carrier-table td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: middle; }
.carrier-table th { background: var(--deep); color: var(--ink); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; }
.carrier-table tr:last-child td { border-bottom: 0; }
.carrier-table td:first-child { font-weight: 700; color: var(--ink); }
.carrier-table .links { display: flex; flex-wrap: wrap; gap: 8px; }
.carrier-table small { display: block; color: var(--muted); font-weight: 400; }

@media (max-width: 760px) {
  .carrier-table, .carrier-table tbody, .carrier-table tr, .carrier-table td { display: block; width: 100%; }
  .carrier-table thead { display: none; }
  .carrier-table { background: none; box-shadow: none; }
  .carrier-table tr { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 16px; padding: 8px 0; }
  .carrier-table td { border: 0; padding: 8px 20px; }
  .carrier-table td:first-child { font-size: 1.15rem; }
  .carrier-table td[data-label]::before { content: attr(data-label); display: block; font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); margin-bottom: 4px; }
}

.help-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.help-list li { display: flex; gap: 12px; align-items: flex-start; }

/* ---------- Forms ---------- */
.form { display: grid; gap: 16px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form__row { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 600; font-size: 0.9rem; color: var(--ink); margin-bottom: 6px; }
.field legend { font-weight: 600; font-size: 0.9rem; color: var(--ink); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  padding: 12px 14px; border: 1.5px solid var(--field-line); border-radius: 10px; background: var(--field);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand-light); box-shadow: 0 0 0 4px rgba(143,176,255,0.18); }
.field textarea { min-height: 110px; resize: vertical; }
.field textarea::placeholder { color: #5f6a82; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips label { margin: 0; }
.chips input { position: absolute; opacity: 0; pointer-events: none; }
.chips span {
  display: inline-block; padding: 8px 14px; border-radius: 999px;
  border: 1.5px solid var(--field-line); font-weight: 600; font-size: 0.9rem; cursor: pointer; color: var(--text);
}
.chips input:checked + span { background: var(--brand); border-color: var(--brand); color: #fff; }
.chips input:focus-visible + span { box-shadow: 0 0 0 4px rgba(143,176,255,0.3); }
.hp { position: absolute; left: -9999px; }
.form__note { font-size: 0.82rem; color: var(--muted); margin: 0; }
.form__status { padding: 14px 16px; border-radius: 10px; font-weight: 600; }
.form__status--ok { background: #0f2e1d; color: #7fe0a6; }
.form__status--err { background: #3a1512; color: #ff9b8f; }

.quote-panel { background: var(--surface-2); border: 1px solid var(--line); border-radius: 20px; padding: 32px; box-shadow: var(--shadow); }
.quote-panel h2 { font-size: 1.5rem; margin-bottom: 4px; }
.quote-panel > p { color: var(--muted); font-size: 0.95rem; }

.steps { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 18px; counter-reset: step; }
.steps li { display: flex; gap: 14px; align-items: flex-start; counter-increment: step; }
.steps li::before {
  content: counter(step); flex: none; width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center; font-weight: 800; font-size: 0.95rem;
  background: rgba(143,176,255,0.12); color: var(--brand-light);
}
.steps strong { color: var(--ink); display: block; }

.rater-frame { width: 100%; min-height: 900px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, #2b4fc0 0%, #1a2f78 100%); color: #fff; border-radius: 24px; padding: clamp(32px, 5vw, 56px); display: flex; flex-wrap: wrap; gap: 24px; align-items: center; justify-content: space-between; border: 1px solid rgba(143,176,255,0.25); }
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { margin: 0; color: #dbe4ff; }
.cta-band .actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Map / contact ---------- */
.map { width: 100%; aspect-ratio: 16 / 10; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; }
.contact-list strong { display: block; color: var(--ink); }

/* ---------- Footer ---------- */
.footer { background: var(--deep); color: var(--muted); font-size: 0.95rem; padding-top: 64px; border-top: 1px solid var(--line); }
.footer a { color: var(--ink); }
.footer h3, .footer h4 { color: var(--ink); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.footer__logo { background: #fff; display: inline-block; padding: 12px 16px; border-radius: 10px; margin-bottom: 18px; }
.footer__logo img { width: 180px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.social { display: flex; gap: 10px; margin-top: 16px; }
.social a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,0.08); }
.social a:hover { background: var(--brand); }
.social svg { width: 18px; height: 18px; fill: #fff; }
.footer__bottom a { text-decoration: underline; }
.footer__bottom { border-top: 1px solid var(--line); margin-top: 48px; padding-block: 20px; font-size: 0.85rem; display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: space-between; }
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }

/* Mobile sticky call bar */
.callbar { display: none; }
@media (max-width: 640px) {
  .callbar {
    display: grid; grid-template-columns: 1fr 1fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--deep); border-top: 1px solid var(--line); padding-bottom: env(safe-area-inset-bottom, 0px);
  }
  .callbar a { color: #fff; text-align: center; padding: 12px 4px; font-weight: 700; font-size: 0.9rem; }
  .callbar a + a { border-left: 1px solid var(--line); }
  .callbar a.is-primary { background: var(--brand); }
  body { padding-bottom: 52px; }
}

@media (max-width: 480px) {
  .topbar { display: none; }
  .quote-panel { padding: 24px 20px; }
}

/* additions for the adapted home page */
.quote-panel .form__row { align-items: end; }
.quote-panel .form__note a { text-decoration: underline; }
.product-list a { color: var(--ink); }
.product-group h3 a { color: var(--ink); }
.section__head + .grid + p, .quote-card cite span { color: var(--muted); }
/* Charlotte Insurance Group (also-known-as) logo, white on transparent */
.footer__aka { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); max-width: 300px; }
.footer__aka-logo { display: block; width: 180px; margin-bottom: 8px; }
.footer__aka-logo img { width: 100%; height: auto; display: block; }
.footer__aka span { display: block; font-size: 0.85rem; color: var(--muted); white-space: nowrap; }
@media (max-width: 560px) { .footer__aka-logo { width: 150px; } }
/* footer areas (Oct 26) */
.footer__areas { border-top: 1px solid var(--line); margin-top: 40px; padding-top: 20px; display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; font-size: 0.95rem; }
.footer__areas h3 { margin: 0 6px 0 0; }