/* Steerly Insurance — teal and slate palette, orange calls to action */
:root {
  --navy: #0d2233;
  --navy-2: #163a4f;
  --brand: #0f766e;
  --brand-bright: #14b8a6;
  --mint: #7ee0d3;
  --mint-soft: #e8f8f5;
  --cta: #f97316;
  --cta-dark: #c2410c;
  --gray: #5b6b74;
  --gray-light: #e1eaea;
  --bg: #ffffff;
  --bg-alt: #f4faf9;
  --text: #17262f;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(13, 34, 51, 0.08);
  --max: 1140px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--brand); }

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

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--gray-light);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 72px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.brand img { height: 44px; width: auto; }

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.brand-name {
  font-weight: 900;
  font-style: italic;
  font-size: 1.45rem;
  letter-spacing: -0.02em;
  color: var(--navy);
}

.brand-name span { color: var(--brand); }

.brand-sub {
  font-size: 0.62rem;
  letter-spacing: 0.42em;
  color: var(--gray);
  font-weight: 600;
  margin-top: 4px;
  padding-left: 2px;
}

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

.nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 8px 14px;
  border-radius: 999px;
  transition: background 0.15s, color 0.15s;
}

.nav a:hover { background: var(--mint-soft); color: var(--brand); }

.nav a.active { color: var(--brand); background: var(--mint-soft); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--gray-light);
  border-radius: 10px;
  padding: 8px 10px;
  cursor: pointer;
  color: var(--navy);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  font-size: 1.05rem;
  text-decoration: none;
  padding: 16px 30px;
  border-radius: 999px;
  border: 0;
  cursor: pointer;
  transition: transform 0.15s, box-shadow 0.15s, background 0.15s;
}

.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--cta), var(--cta-dark));
  box-shadow: 0 10px 24px rgba(234, 88, 12, 0.32);
}

.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 14px 28px rgba(234, 88, 12, 0.4); }

.btn-light {
  color: var(--navy);
  background: #fff;
}

.btn-light:hover { transform: translateY(-2px); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(126, 224, 211, 0.45), transparent 60%),
    linear-gradient(180deg, #ffffff 0%, var(--mint-soft) 100%);
  padding: 70px 0 80px;
}

.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 48px;
}

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brand);
  background: #fff;
  border: 1px solid #c4ece5;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.hero h1 {
  font-size: clamp(2.1rem, 4.5vw, 3.4rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0 0 18px;
}

.hero h1 span { color: var(--brand); }

.hero p.lead {
  font-size: 1.15rem;
  color: var(--gray);
  margin: 0 0 30px;
  max-width: 540px;
}

.hero-points {
  list-style: none;
  padding: 0;
  margin: 26px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  color: var(--navy-2);
  font-weight: 600;
  font-size: 0.95rem;
}

.hero-points li { display: flex; align-items: center; gap: 8px; }

.check {
  width: 20px;
  height: 20px;
  flex: none;
  border-radius: 50%;
  background: var(--brand);
  display: inline-grid;
  place-items: center;
}

.check svg { width: 12px; height: 12px; }

.hero-card {
  background: #fff;
  border-radius: 24px;
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-light);
}

.hero-card img { margin: 0 auto; max-width: 340px; width: 100%; }

.ad-note {
  font-size: 0.8rem;
  color: var(--gray);
  margin-top: 14px;
}

/* ---------- Sections ---------- */
section { padding: 80px 0; }

.section-alt { background: var(--bg-alt); }

.section-head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}

.section-head h2 {
  font-size: clamp(1.7rem, 3vw, 2.3rem);
  color: var(--navy);
  margin: 0 0 12px;
  letter-spacing: -0.01em;
}

.section-head p { color: var(--gray); margin: 0; font-size: 1.05rem; }

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.card {
  background: #fff;
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 2px 0 rgba(13, 34, 51, 0.02);
  transition: transform 0.15s, box-shadow 0.15s;
}

.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }

.card h3 { color: var(--navy); margin: 14px 0 8px; font-size: 1.15rem; }

.card p { color: var(--gray); margin: 0; font-size: 0.97rem; }

.icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--mint-soft), #d2f3ed);
  color: var(--brand);
}

.icon svg { width: 26px; height: 26px; }

.step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  color: #fff;
  background: linear-gradient(135deg, var(--navy-2), var(--navy));
}

/* ---------- Tips ---------- */
.tips {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px 32px;
  max-width: 920px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
}

.tips li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 18px 20px;
}

.tips li .check { margin-top: 3px; }

.tips strong { color: var(--navy); display: block; }

.tips span.t { color: var(--gray); font-size: 0.95rem; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }

.faq details {
  background: #fff;
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin-bottom: 12px;
}

.faq summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

.faq summary::-webkit-details-marker { display: none; }

.faq summary::after { content: "+"; color: var(--brand); font-size: 1.3rem; line-height: 1; }

.faq details[open] summary::after { content: "–"; }

.faq details p { color: var(--gray); margin: 12px 0 0; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(20, 184, 166, 0.4), transparent 60%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff;
  text-align: center;
  padding: 72px 0;
}

.cta-band h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin: 0 0 12px; }

.cta-band p { color: #c6e3e0; margin: 0 auto 28px; max-width: 600px; }

/* ---------- Legal / content pages ---------- */
.page-hero {
  background: linear-gradient(180deg, #ffffff 0%, var(--mint-soft) 100%);
  padding: 56px 0 40px;
  border-bottom: 1px solid var(--gray-light);
}

.page-hero h1 { margin: 0; color: var(--navy); font-size: clamp(1.9rem, 4vw, 2.6rem); }

.page-hero p { margin: 8px 0 0; color: var(--gray); }

.legal {
  max-width: 860px;
  margin: 0 auto;
  padding: 48px 20px 72px;
}

.legal h2 {
  color: var(--navy);
  font-size: 1.4rem;
  margin: 36px 0 10px;
  padding-top: 8px;
}

.legal h3 { color: var(--navy-2); font-size: 1.1rem; margin: 20px 0 8px; }

.legal p, .legal li { color: #31424a; }

.legal ul { padding-left: 22px; }

.legal li { margin-bottom: 8px; }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 900px;
  margin: 0 auto;
}

.contact-grid .card a { font-weight: 700; text-decoration: none; word-break: break-word; }

.notice {
  max-width: 900px;
  margin: 28px auto 0;
  background: var(--mint-soft);
  border: 1px solid #c4ece5;
  border-radius: var(--radius);
  padding: 20px 24px;
  color: var(--navy-2);
  font-size: 0.97rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: #b5c9cc;
  padding: 56px 0 28px;
  font-size: 0.9rem;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.site-footer .brand-name { color: #fff; }

.site-footer .brand-name span { color: var(--mint); }

.site-footer .brand-sub { color: #8aa5aa; }

.footer-links { display: flex; flex-wrap: wrap; gap: 6px 22px; }

.footer-links a { color: #fff; text-decoration: none; font-weight: 600; }

.footer-links a:hover { color: var(--mint); }

.footer-gov {
  margin: 24px 0 12px;
  color: #fff;
  font-weight: 600;
}

.disclaimer {
  margin: 0 0 24px;
  font-size: 0.8rem;
  line-height: 1.7;
  color: #90a9ad;
  text-align: justify;
}

.copyright {
  text-align: center;
  color: #8aa5aa;
  font-size: 0.85rem;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  margin: 0;
}

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-card { max-width: 460px; margin: 0 auto; width: 100%; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 10px 16px 16px;
    border-bottom: 1px solid var(--gray-light);
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a { padding: 12px 14px; }
  .brand img { height: 38px; }
  .brand-name { font-size: 1.25rem; }
  section { padding: 60px 0; }
  .hero { padding: 48px 0 60px; }
  .grid-4, .tips, .contact-grid { grid-template-columns: 1fr; }
  .btn { width: 100%; }
  .footer-top { flex-direction: column; align-items: flex-start; }
  .disclaimer { text-align: left; }
}