/* ===========================================================
   State No-Fault Insurance — One Page Site Styles
   =========================================================== */

:root {
  --navy: #0b2545;
  --navy-dark: #071a33;
  --navy-light: #13315c;
  --gold: #c9a227;
  --gold-light: #e5c860;
  --off-white: #f7f5f0;
  --white: #ffffff;
  --text: #2b2b2b;
  --text-light: #5c6672;
  --border: #e4e1d9;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(11, 37, 69, 0.08);
  --font-head: 'Libre Baskerville', Georgia, serif;
  --font-body: 'Mulish', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3 { font-family: var(--font-head); color: var(--navy); margin: 0 0 16px; line-height: 1.25; }
h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: 1.2rem; margin-bottom: 10px; }
p { margin: 0 0 16px; color: var(--text-light); }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 88px 0; }
.center { text-align: center; }
.eyebrow {
  font-family: var(--font-head);
  font-style: italic;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-size: 0.85rem;
  margin-bottom: 10px;
}
.eyebrow.center { text-align: center; }

/* ===== Buttons ===== */
.btn {
  display: inline-block;
  padding: 14px 30px;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.3px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-ghost:hover { background: rgba(255,255,255,0.15); }
.btn-block { width: 100%; text-align: center; }
.btn-small { margin-top: 14px; padding: 10px 20px; font-size: 0.85rem; }

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.header-top {
  background: var(--navy-dark);
  color: var(--white);
  font-size: 0.85rem;
}
.header-top-inner {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 24px;
  padding: 8px 24px;
}
.phone-link { color: var(--gold-light); font-weight: 600; }
.header-top-cta { color: var(--white); opacity: 0.85; }
.header-top-cta:hover { opacity: 1; text-decoration: underline; }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}
.brand { display: flex; align-items: center; gap: 10px; }
.brand-mark { width: 42px; height: 42px; object-fit: contain; }
.brand-text { display: flex; flex-direction: column; font-family: var(--font-head); color: var(--navy); line-height: 1.15; }
.brand-text strong { font-size: 1.05rem; }
.brand-text em { font-style: italic; color: var(--gold); font-size: 0.85rem; }

.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a {
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover { border-color: var(--gold); }
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: 4px;
  border-bottom: none !important;
}
.nav-cta:hover { background: var(--navy-light); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-toggle span { display: block; height: 2px; background: var(--navy); border-radius: 2px; }

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  background:
    linear-gradient(120deg, rgba(7,26,51,0.88), rgba(11,37,69,0.72)),
    url('https://irp.cdn-website.com/9c029391/dms3rep/multi/opt/imgi_2_Group-1-%288%29-2304w.png') center/cover no-repeat;
  background-color: var(--navy-dark);
  color: var(--white);
}
.hero-inner { max-width: 720px; padding-top: 60px; padding-bottom: 60px; }
.hero .eyebrow { color: var(--gold-light); }
.hero h1 { color: var(--white); }
.hero-sub { color: rgba(255,255,255,0.85); font-size: 1.1rem; max-width: 560px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 8px; }

/* ===== About ===== */
.about-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: center;
}
.about-media { display: flex; justify-content: center; }
.stat-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 50px 40px;
  text-align: center;
  box-shadow: var(--shadow);
  width: 100%;
  max-width: 320px;
}
.stat-number { display: block; font-family: var(--font-head); font-size: 3.4rem; color: var(--gold-light); }
.stat-label { display: block; margin-top: 10px; font-weight: 600; letter-spacing: 0.4px; }

/* ===== Services ===== */
.services { background: var(--off-white); }
.card-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 48px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 26px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform 0.2s ease;
}
.service-card:hover { transform: translateY(-6px); }
.service-icon { font-size: 2.2rem; margin-bottom: 14px; }
.service-card p { margin-bottom: 0; font-size: 0.95rem; }

.services-intro { max-width: 760px; margin: 0 auto 20px; }
.services-secondary-label {
  margin: 56px 0 0;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  font-size: 0.85rem;
  letter-spacing: 0.6px;
}
.card-grid-3 { grid-template-columns: repeat(3, 1fr); margin-top: 24px; }

.auto-feature-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-top: 40px;
}
.auto-feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 36px 32px;
  box-shadow: var(--shadow);
  scroll-margin-top: 110px;
}
.auto-feature-card h3 { font-size: 1.3rem; }
.auto-feature-card .check-list { margin: 18px 0 26px; }

/* ===== Why Us ===== */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 60px;
  align-items: center;
}
.why-media img { border-radius: var(--radius); box-shadow: var(--shadow); }
.check-list li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 14px;
  color: var(--text);
  font-weight: 500;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-weight: 700;
  font-size: 1.1rem;
}

/* ===== Testimonials ===== */
.testimonials { background: var(--navy); }
.testimonials .eyebrow { color: var(--gold-light); }
.testimonials h2 { color: var(--white); }
.testimonial-grid { grid-template-columns: repeat(3, 1fr); }
.testimonial-card {
  background: var(--navy-light);
  border-radius: var(--radius);
  padding: 32px 26px;
  margin: 0;
  border-left: 4px solid var(--gold);
}
.testimonial-card p { color: rgba(255,255,255,0.9); font-style: italic; margin-bottom: 18px; }
.testimonial-card footer { color: var(--gold-light); font-weight: 700; font-size: 0.9rem; }
.link-more { color: var(--gold-light); font-weight: 700; display: inline-block; margin-top: 30px; }
.link-more:hover { text-decoration: underline; }

/* ===== Service Area ===== */
.areas-copy { max-width: 760px; margin: 0 auto 36px; }
.area-tags { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.area-tags span {
  background: var(--off-white);
  border: 1px solid var(--border);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.88rem;
  padding: 9px 18px;
  border-radius: 999px;
}

/* ===== CTA Banner ===== */
.cta-banner {
  background: linear-gradient(120deg, var(--gold), var(--gold-light));
  padding: 64px 0;
}
.cta-banner-inner { max-width: 700px; margin: 0 auto; text-align: center; }
.cta-banner h2 { color: var(--navy-dark); }
.cta-banner p { color: var(--navy-dark); opacity: 0.85; }
.cta-banner a.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.cta-banner a.btn-primary:hover { background: var(--navy-light); border-color: var(--navy-light); }
.cta-banner p a { color: var(--navy-dark); font-weight: 700; text-decoration: underline; }

/* ===== FAQ ===== */
.faq { background: var(--off-white); }
.accordion { max-width: 780px; margin: 44px auto 0; }
.accordion-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 14px;
  overflow: hidden;
}
.accordion-trigger {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 24px;
  font-family: var(--font-head);
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  position: relative;
  padding-right: 50px;
}
.accordion-trigger::after {
  content: "+";
  position: absolute;
  right: 22px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold);
  font-size: 1.4rem;
  font-weight: 400;
  transition: transform 0.2s ease;
}
.accordion-item.open .accordion-trigger::after { transform: translateY(-50%) rotate(45deg); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
  padding: 0 24px;
}
.accordion-item.open .accordion-panel { max-height: 300px; padding-bottom: 20px; }
.accordion-panel p { margin: 0; font-size: 0.96rem; }

/* ===== Contact ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.contact-details { margin-top: 20px; }
.contact-details li { margin-bottom: 12px; font-weight: 600; color: var(--navy); }
.contact-details a { color: var(--navy); }
.contact-details a:hover { color: var(--gold); }

.contact-form {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: var(--shadow);
}
.contact-form label { font-weight: 700; font-size: 0.85rem; color: var(--navy); margin-top: 10px; }
.contact-form input,
.contact-form select,
.contact-form textarea {
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--white);
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: 2px solid var(--gold);
  outline-offset: 1px;
}
.contact-form button { margin-top: 18px; }
.contact-form button[disabled] { opacity: 0.65; cursor: not-allowed; }
.form-note { font-size: 0.88rem; font-weight: 700; margin: 10px 0 0; min-height: 20px; }
.form-note.success { color: #1a7a3c; }
.form-note.error { color: #b3261e; }
/* Honeypot: hidden from real visitors via CSS, still present in DOM for bots */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ===== Footer ===== */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,0.8); padding: 70px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-logo {
  width: 64px;
  height: 64px;
  object-fit: contain;
  background: var(--white);
  border-radius: 10px;
  padding: 6px;
  margin-bottom: 14px;
}
.footer-brand p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.social-link { color: var(--gold-light); font-weight: 700; font-size: 0.9rem; }
.footer-col h4 { color: var(--white); font-family: var(--font-head); margin-bottom: 16px; font-size: 1rem; }
.footer-col a { display: block; color: rgba(255,255,255,0.7); font-size: 0.9rem; margin-bottom: 10px; }
.footer-col a:hover { color: var(--gold-light); }
.footer-col p { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.footer-bottom { padding: 24px; text-align: center; font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-bottom a { color: rgba(255,255,255,0.7); text-decoration: underline; }

/* ===== Mobile call button ===== */
.mobile-call-btn {
  display: none;
  position: fixed;
  bottom: 18px;
  right: 18px;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  padding: 14px 20px;
  border-radius: 999px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
  z-index: 90;
}

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .about-grid, .why-grid, .contact-grid { grid-template-columns: 1fr; }
  .why-media { order: -1; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .card-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .auto-feature-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .header-top-inner { justify-content: center; gap: 16px; flex-wrap: wrap; text-align: center; }
  .nav-toggle { display: flex; }
  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 20px 24px;
    gap: 16px;
    box-shadow: 0 12px 20px rgba(0,0,0,0.08);
    display: none;
  }
  .main-nav.open { display: flex; }
  .nav-cta { width: 100%; text-align: center; }
  .card-grid, .card-grid-3 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 60px 0; }
  .mobile-call-btn { display: block; }
}