/* ==========================================================================
   For 65 Insurance — for65insurance.com
   Palette: green #075337 · gold #FDB51E · white #FFFFFF · black #000000
   Supporting tints derived from brand colors only.
   ========================================================================== */

:root {
  --green: #075337;
  --green-dark: #053E29;      /* darkened brand green (hover) */
  --gold: #FDB51E;
  --gold-dark: #E39F0D;       /* darkened brand gold (hover) */
  --cream: #FAF7F0;           /* warm cream section background */
  --tint: #EDF3EF;            /* ~5% green tint */
  --ink: #142B20;             /* near-black derived from green, body text */
  --white: #FFFFFF;
  --radius: 14px;
  --shadow: 0 2px 14px rgba(7, 83, 55, 0.10);
  --font-heading: 'Nunito', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 19px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}

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

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  color: var(--green);
  line-height: 1.2;
}

h1 { font-size: clamp(2.1rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.2rem); }
h3 { font-size: 1.35rem; }

p, li { max-width: 70ch; }

a { color: var(--green); text-decoration-thickness: 2px; text-underline-offset: 3px; }
a:hover { color: var(--green-dark); }

strong { font-weight: 700; }

/* Gold accent underline on section headings */
.accent-heading::after {
  content: "";
  display: block;
  width: 72px;
  height: 5px;
  margin-top: 12px;
  border-radius: 3px;
  background: var(--gold);
}

.center .accent-heading::after,
.accent-heading.centered::after { margin-left: auto; margin-right: auto; }

/* --------------------------------------------------------------------------
   Accessibility
   -------------------------------------------------------------------------- */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--gold);
  color: var(--green);
  font-weight: 700;
  padding: 14px 22px;
  z-index: 200;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
  border-radius: 4px;
}

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

/* --------------------------------------------------------------------------
   Layout helpers
   -------------------------------------------------------------------------- */
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }

section { padding: 72px 0; }
.section-tight { padding: 52px 0; }

.section-cream { background: var(--cream); }
.section-tint { background: var(--tint); }

.center { text-align: center; }
.lede { font-size: 1.16em; }
.muted { opacity: 0.92; }

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 40px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-top: 40px;
}

/* --------------------------------------------------------------------------
   Buttons — minimum 48px tall tap targets
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 14px 30px;
  border-radius: 999px;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.05rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color 0.15s ease, transform 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-gold { background: var(--gold); color: var(--green); }
.btn-gold:hover { background: var(--gold-dark); color: var(--green-dark); }

.btn-green { background: var(--green); color: var(--white); }
.btn-green:hover { background: var(--green-dark); color: var(--white); }

.btn-outline-green {
  background: transparent;
  color: var(--green);
  border-color: var(--green);
}
.btn-outline-green:hover { background: var(--tint); color: var(--green-dark); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline-white:hover { background: rgba(255, 255, 255, 0.14); color: var(--white); }

.btn svg { flex-shrink: 0; }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 28px;
}

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--tint);
  padding: 16px 0;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.logo-link { display: inline-flex; align-items: center; }
.logo-link img { width: 232px; height: auto; }

.site-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  align-items: center;
}

.site-nav a {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--green);
  text-decoration: none;
  padding: 11px 14px;
  border-radius: 999px;
}
.site-nav a:hover { background: var(--tint); }
.site-nav a[aria-current="page"] {
  box-shadow: inset 0 -4px 0 var(--gold);
  border-radius: 0;
}

.header-call { min-height: 48px; padding: 10px 22px; font-size: 1rem; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  background: var(--cream);
  padding: 84px 0;
  overflow: hidden;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 48px;
  align-items: center;
}

.hero h1 { margin-bottom: 20px; }
.hero .lede { margin-bottom: 8px; }

.hero-mark {
  justify-self: center;
  width: min(320px, 80%);
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
  padding: 0;
  list-style: none;
}
.hero-trust li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1.5px solid var(--tint);
  border-radius: 999px;
  padding: 9px 18px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--green);
}
.hero-trust svg { flex-shrink: 0; }

@media (prefers-reduced-motion: no-preference) {
  .hero-inner { animation: fadeUp 0.6s ease-out both; }
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(14px); }
    to { opacity: 1; transform: translateY(0); }
  }
}

/* Page hero (interior pages) */
.page-hero {
  background: var(--cream);
  padding: 56px 0 48px;
}
.page-hero h1 { margin-bottom: 14px; }

.breadcrumbs {
  font-size: 0.92rem;
  margin-bottom: 18px;
}
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumbs li + li::before { content: "›"; margin-right: 6px; color: var(--green); }

/* --------------------------------------------------------------------------
   Cards
   -------------------------------------------------------------------------- */
.card {
  background: var(--white);
  border-radius: var(--radius);
  border-top: 5px solid var(--gold);
  box-shadow: var(--shadow);
  padding: 30px 28px;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 22px rgba(7, 83, 55, 0.14);
}
.card h3 { margin-bottom: 12px; }
.card p { margin-bottom: 12px; }
.card .card-link { font-weight: 700; }

/* Numbered steps */
.step {
  text-align: center;
  padding: 10px 16px;
}
.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--green);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.7rem;
  margin-bottom: 16px;
}
.step h3 { margin-bottom: 10px; }
.step p { margin-left: auto; margin-right: auto; }

/* Icon bullets */
.check-list { list-style: none; margin-top: 20px; }
.check-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 16px;
}
.check-list svg { flex-shrink: 0; margin-top: 5px; }

/* --------------------------------------------------------------------------
   Green bands
   -------------------------------------------------------------------------- */
.band {
  background: var(--green);
  color: var(--white);
}
.band h2, .band h3 { color: var(--white); }
.band a:not(.btn) { color: var(--gold); }
.band .band-mark { width: 84px; margin: 0 auto 24px; }
.band p { opacity: 0.96; }

/* --------------------------------------------------------------------------
   FAQ (details/summary)
   -------------------------------------------------------------------------- */
.faq-list { margin-top: 36px; }

.faq-list details {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  margin-bottom: 16px;
  overflow: hidden;
}

.faq-list summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 20px 26px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.08rem;
  color: var(--green);
  min-height: 48px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+";
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--gold-dark);
  flex-shrink: 0;
  line-height: 1;
}
.faq-list details[open] summary::after { content: "–"; }
.faq-list details[open] summary { box-shadow: inset 0 -3px 0 var(--gold); }

.faq-answer { padding: 20px 26px 24px; }
.faq-answer p { margin-bottom: 12px; }
.faq-answer p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Prose (long-form pages)
   -------------------------------------------------------------------------- */
.prose h2 { margin: 44px 0 16px; }
.prose h3 { margin: 30px 0 12px; }
.prose p { margin-bottom: 18px; }
.prose ul, .prose ol { margin: 0 0 18px 26px; }
.prose li { margin-bottom: 10px; }

.callout {
  background: var(--tint);
  border-left: 6px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 22px 26px;
  margin: 26px 0;
}
.callout p:last-child { margin-bottom: 0; }

.callout-green {
  background: var(--green);
  color: var(--white);
  border-left-color: var(--gold);
}
.callout-green h3 { color: var(--white); }
.callout-green a:not(.btn) { color: var(--gold); }

/* Simple comparison table */
.table-wrap { overflow-x: auto; margin: 26px 0; }
table.compare {
  border-collapse: collapse;
  width: 100%;
  min-width: 560px;
  background: var(--white);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
  overflow: hidden;
}
table.compare th, table.compare td {
  padding: 15px 18px;
  text-align: left;
  border-bottom: 1px solid var(--tint);
  vertical-align: top;
}
table.compare th {
  background: var(--green);
  color: var(--white);
  font-family: var(--font-heading);
}
table.compare tr:nth-child(even) td { background: var(--cream); }

/* --------------------------------------------------------------------------
   Forms
   -------------------------------------------------------------------------- */
.contact-form { margin-top: 10px; }
.form-field { margin-bottom: 22px; }
.form-field label {
  display: block;
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--green);
  margin-bottom: 8px;
}
.form-field input,
.form-field textarea {
  width: 100%;
  font: inherit;
  color: var(--ink);
  padding: 14px 16px;
  min-height: 52px;
  border: 2px solid var(--green);
  border-radius: 10px;
  background: var(--white);
}
.form-field textarea { min-height: 140px; resize: vertical; }
.form-note { font-size: 0.92rem; margin: 18px 0; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--green);
  color: var(--white);
  padding: 60px 0 40px;
  font-size: 0.98rem;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.25);
}

.footer-brand img { width: 220px; margin-bottom: 18px; }
.footer-brand p { margin-bottom: 20px; opacity: 0.95; }

.site-footer h3 {
  color: var(--gold);
  font-size: 1.05rem;
  margin-bottom: 14px;
}

.footer-links { list-style: none; }
.footer-links li { margin-bottom: 6px; }
.footer-links a {
  color: var(--white);
  text-decoration: none;
  display: inline-block;
  padding: 6px 0;
}
.footer-links a:hover { color: var(--gold); text-decoration: underline; }

.footer-disclaimers { padding-top: 28px; }
.footer-disclaimers p {
  font-size: 0.88rem;
  opacity: 0.9;
  margin-bottom: 12px;
  max-width: none;
}

/* --------------------------------------------------------------------------
   Sticky mobile call bar
   -------------------------------------------------------------------------- */
.mobile-call-bar {
  display: none;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  background: var(--green-dark);
  padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
  z-index: 100;
  box-shadow: 0 -3px 14px rgba(0, 0, 0, 0.25);
}
.mobile-call-bar .btn { width: 100%; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 920px) {
  .hero-inner { grid-template-columns: 1fr; text-align: left; }
  .hero-mark { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
}

@media (max-width: 820px) {
  section { padding: 52px 0; }
  .hero { padding: 56px 0; }
  body { padding-bottom: 84px; }         /* room for the call bar */
  .mobile-call-bar { display: block; }
  .header-inner { justify-content: center; text-align: center; }
  .header-call { display: none; }        /* call bar covers this on mobile */
  .site-nav { justify-content: center; }
  .site-nav a { padding: 12px 13px; }
  .logo-link img { width: 208px; }
}

@media print {
  .mobile-call-bar, .skip-link { display: none; }
}