:root {
  --navy: #13294B;
  --navy-dark: #0B1B33;
  --red: #A0201A;
  --gold: #C79A3A;
  --cream: #F7F4EE;
  --ink: #212528;
  --muted: #5B6470;
  --border: #E3DDD0;
  --radius: 10px;
  --max: 1100px;
  font-size: 16px;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
}

h1, h2, h3, h4 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.25;
  margin-top: 0;
}

h1 { font-size: 2.1rem; margin-bottom: 0.6rem; }
h2 { font-size: 1.5rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.15rem; margin-bottom: 0.4rem; }

p { margin: 0 0 1rem; color: var(--ink); }

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

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Header */
.site-header {
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
}

.header-inner {
  padding-top: 0.9rem;
  padding-bottom: 0.75rem;
}

.header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.site-nav { display: block; margin-top: 0.7rem; }

.brand {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: #fff;
  font-family: Georgia, serif;
  font-weight: 700;
  font-size: 1.25rem;
}
.brand:hover { text-decoration: none; opacity: 0.9; }
.brand.small { font-size: 1.05rem; }

.brand-star {
  color: var(--gold);
  font-size: 1.1rem;
}

.site-nav ul {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin: 0;
  padding: 0;
}

.site-nav a {
  color: #EFE9DA;
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.01em;
}

.site-nav a:hover { color: #fff; text-decoration: none; border-bottom: 2px solid var(--gold); }
.site-nav a.active { color: #fff; border-bottom: 2px solid var(--gold); }

/* Hero */
.hero {
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 4rem 0;
}

.hero-inner { max-width: 720px; }

.hero h1 { color: #fff; font-size: 2.5rem; }

.hero-sub {
  color: #D9D2BF;
  font-size: 1.1rem;
  margin-bottom: 1.75rem;
}

.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; justify-content: center; }

/* Hero with quote form card (homepage) -- stacked, centered */
.hero-with-form {
  max-width: 640px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2.25rem;
  text-align: center;
}

.hero-copy { padding-top: 0.5rem; }

.hero-quote-card {
  width: 100%;
  max-width: 480px;
  text-align: left;
  background: #fff;
  border-radius: var(--radius);
  padding: 1.75rem 2rem;
  box-shadow: 0 18px 40px rgba(11, 27, 51, 0.35);
  scroll-margin-top: 1.5rem;
}

.hero-quote-card h2 {
  color: var(--navy);
  font-size: 1.35rem;
  margin-top: 0;
}

.hero-quote-card .lede {
  color: var(--muted);
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
}

.hero-quote-card .quote-form { max-width: none; }

.call-now-note {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  flex-wrap: wrap;
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.85rem 1.1rem;
  margin-bottom: 1.25rem;
}

.call-now-note p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--navy);
}

.call-now-note a {
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
  text-decoration: none;
  border-bottom: 2px solid var(--gold);
}

.call-now-note a:hover { color: var(--red); }

.agent-head-flex {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  flex-wrap: wrap;
}

.agent-head-flex h1 { margin-bottom: 0.4rem; }
.agent-head-flex .lede { margin-bottom: 0; }

.agent-photo {
  width: 160px;
  height: 160px;
  object-fit: cover;
  border-radius: 50%;
  border: 3px solid var(--gold);
  flex-shrink: 0;
}

@media (max-width: 600px) {
  .agent-head-flex { flex-direction: column; text-align: center; }
}

@media (max-width: 900px) {
  .hero-with-form { gap: 2rem; }
  .hero-quote-card { padding: 1.5rem; }
}

.btn {
  display: inline-block;
  padding: 0.7rem 1.4rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.95rem;
}
.btn:hover { text-decoration: none; }

.btn-primary {
  background: var(--red);
  color: #fff;
}
.btn-primary:hover { background: #861712; }

.btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid var(--gold);
}
.btn-outline:hover { background: rgba(199,154,58,0.15); }

/* Sections */
.section { padding: 3rem 0; }
.section h2 { border-bottom: 2px solid var(--border); padding-bottom: 0.5rem; }

.page-head { padding-bottom: 1.5rem; }
.lede { font-size: 1.15rem; color: var(--muted); }
.breadcrumb { font-size: 0.85rem; color: var(--muted); margin-bottom: 0.5rem; }

.callout {
  background: var(--cream);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.highlight-box {
  background: #FBF1E9;
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
}

/* Card grid */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 1.5rem;
}

.card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  background: #fff;
}

.card-icon { color: var(--gold); font-size: 1.3rem; margin-bottom: 0.5rem; }

/* Stat grid */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.25rem;
  margin: 1.5rem 0;
}

.stat {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-align: center;
  border: 1px solid var(--border);
}

.stat-num {
  display: block;
  font-family: Georgia, serif;
  font-size: 1.8rem;
  color: var(--red);
  font-weight: 700;
}

.stat-label {
  display: block;
  font-size: 0.85rem;
  color: var(--muted);
  margin-top: 0.35rem;
}

.fine-print { font-size: 0.85rem; color: var(--muted); }

/* Lists */
.check-list, .carrier-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0;
}

.check-list li, .carrier-list li {
  padding: 0.6rem 0 0.6rem 1.75rem;
  border-bottom: 1px solid var(--border);
  position: relative;
}

.check-list li:before {
  content: "\2713";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.carrier-list li:before {
  content: "\2605";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-size: 0.85rem;
}

/* Compare grid */
.compare-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin: 1.5rem 0;
}

.compare-col {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
}

.compare-col h3 { color: var(--red); }
.compare-col ul { margin: 0; padding-left: 1.1rem; }
.compare-col li { margin-bottom: 0.4rem; }

/* County grid */
.county-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
}

.county-card {
  display: block;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
  background: #fff;
  color: var(--ink);
}

.county-card:hover {
  border-color: var(--gold);
  text-decoration: none;
  box-shadow: 0 2px 10px rgba(19,41,75,0.08);
}

.county-card h3 { color: var(--navy); margin-bottom: 0.2rem; }
.county-card p { color: var(--muted); margin: 0; font-size: 0.9rem; }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: #C9C2AF;
  margin-top: 2rem;
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 2rem;
  padding: 2.5rem 1.5rem;
}

.footer-col h4 {
  color: #fff;
  font-family: -apple-system, sans-serif;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
}

.footer-col p { color: #B8B09A; font-size: 0.9rem; }

.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 0.5rem; }
.footer-links a { color: #C9C2AF; font-size: 0.9rem; }
.footer-links a:hover { color: #fff; }

.legal {
  border-top: 1px solid #24365A;
  padding: 1.25rem 1.5rem;
  font-size: 0.78rem;
  color: #8991A3;
}

@media (max-width: 720px) {
  .footer-inner { grid-template-columns: 1fr; }
  .hero h1 { font-size: 1.9rem; }
}

/* Quote CTA button in header */
.btn-quote {
  background: var(--gold);
  color: var(--navy-dark);
  padding: 0.55rem 1.1rem;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.9rem;
  white-space: nowrap;
}
.btn-quote:hover {
  background: #D8AE55;
  text-decoration: none;
}

/* Quote CTA band on every page */
.quote-band {
  padding-top: 0;
  padding-bottom: 3rem;
}
.quote-band-inner {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 2rem 2.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.quote-band-inner h2 {
  color: #fff;
  border: none;
  padding: 0;
  margin-bottom: 0.25rem;
}
.quote-band-inner p { color: #D9D2BF; margin: 0; }
.btn-large { padding: 0.85rem 1.75rem; font-size: 1rem; white-space: nowrap; }

/* Mobile nav toggle */
.nav-toggle-checkbox { display: none; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.nav-toggle-label {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  width: 26px;
  height: 20px;
  cursor: pointer;
}

.nav-toggle-label span {
  display: block;
  height: 3px;
  border-radius: 2px;
  background: #fff;
}

@media (max-width: 860px) {
  .nav-toggle-label { display: flex; }

  .site-nav {
    max-height: 0;
    overflow: hidden;
    margin-top: 0;
    transition: max-height 0.25s ease;
  }

  .site-nav ul {
    flex-direction: column;
    flex-wrap: nowrap;
    gap: 0;
    padding: 0.25rem 0 0.75rem;
  }

  .site-nav li { width: 100%; }

  .site-nav a {
    display: block;
    padding: 0.7rem 0.1rem;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }

  .site-nav a:hover,
  .site-nav a.active {
    border-bottom: 1px solid var(--gold);
  }

  .nav-toggle-checkbox:checked ~ .site-nav {
    max-height: 900px;
    margin-top: 0.6rem;
  }
}

@media (max-width: 480px) {
  .header-top { flex-wrap: wrap; gap: 0.75rem; }
}

/* Table safety net for mobile */
.table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

/* Quote form (now embedded on homepage) */
.quote-form { max-width: 480px; }
.form-row { margin-bottom: 1.1rem; display: flex; flex-direction: column; gap: 0.35rem; }
.form-row label { font-weight: 600; font-size: 0.9rem; color: var(--navy); }
.form-row input {
  padding: 0.65rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
}
.form-row input:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.quote-form .btn-large { margin-top: 0.25rem; }
.quote-confirmation { padding: 1.5rem; margin-top: 1.5rem; }

.quote-section {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem 2.25rem;
  scroll-margin-top: 1.5rem;
}

.form-error {
  color: var(--red);
  font-weight: 600;
  font-size: 0.9rem;
  margin-top: -0.5rem;
}

.form-row-checkbox {
  flex-direction: row;
  align-items: flex-start;
  gap: 0.6rem;
  margin-bottom: 1.25rem;
}
.form-row-checkbox input[type="checkbox"] {
  width: 1.05rem;
  height: 1.05rem;
  margin-top: 0.2rem;
  flex-shrink: 0;
  accent-color: var(--gold);
}
.form-row-checkbox .checkbox-label {
  font-weight: 400;
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.5;
}

.city-link-list {
  columns: 3;
  column-gap: 1.5rem;
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
}
.city-link-list li {
  break-inside: avoid;
  padding: 0.3rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

@media (max-width: 640px) {
  .city-link-list { columns: 1; }
}