/* ============================================================
   Blue Horizon Insurance — Design Tokens
   Palette pulled from brand mark: deep navy + sky-blue horizon arc,
   with a warm amber accent borrowed from the "whiskey with a friend"
   brand-personality mood board (used sparingly, never for large fields).
   ============================================================ */

:root {
  --navy-deep:   #072D40;
  --navy:        #0B4868;
  --ocean:       #17739B;
  --sky:         #21ABDA;
  --sky-bright:  #4FD6F7;
  --mist:        #F4F8FA;
  --paper:       #FFFFFF;
  --ink:         #142530;
  --ink-soft:    #4C6270;
  --line:        #DCE7EC;
  --amber:       #C6883F;
  --amber-soft:  #F4E3C8;

  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 12px 32px -16px rgba(7, 45, 64, 0.28);
  --shadow-sm: 0 4px 14px -8px rgba(7, 45, 64, 0.25);
  --max: 1160px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

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

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy-deep);
  line-height: 1.12;
  margin: 0 0 .5em;
  font-weight: 600;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.3rem, 5.6vw, 3.8rem); font-weight: 500; }
h2 { font-size: clamp(1.75rem, 3.6vw, 2.5rem); }
h3 { font-size: 1.25rem; }

p { margin: 0 0 1em; color: var(--ink-soft); }
.lede { font-size: 1.15rem; color: var(--ink-soft); max-width: 60ch; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5em;
  font-size: .78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ocean);
  font-weight: 700;
  margin-bottom: 1em;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--amber);
  display: inline-block;
}

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 88px 0; }
.section--tight { padding: 56px 0; }
.section--mist { background: var(--mist); }
.section--navy { background: var(--navy-deep); color: #fff; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy p { color: #B7CBD6; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5em;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: .96rem;
  padding: 14px 26px;
  border-radius: 100px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--sky); color: var(--navy-deep); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--sky-bright); }
.btn-ghost { background: transparent; border-color: rgba(255,255,255,.55); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.btn-outline { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-amber { background: var(--amber); color: #fff; }
.btn-amber:hover { background: #B47632; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.brand img { height: 40px; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  position: relative;
  padding: 4px 2px;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: -2px;
  height: 2px;
  background: var(--amber);
  transition: right .2s ease;
}
.nav-links a:hover::after,
.nav-links a[aria-current="page"]::after { right: 0; }
.nav-links a[aria-current="page"] { color: var(--navy-deep); }
.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-phone { display: flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy); font-size: .95rem; }
.nav-phone svg { flex-shrink: 0; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: "";
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy-deep);
  transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle span::before { transform: translateY(-7px); }
.nav-toggle span::after { transform: translateY(5px); }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: translateY(0) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { transform: translateY(-2px) rotate(-45deg); }

@media (max-width: 860px) {
  .nav-links { position: fixed; inset: 68px 0 0 0; background: var(--paper); flex-direction: column; padding: 32px 24px; gap: 8px; transform: translateY(-12px); opacity: 0; pointer-events: none; transition: opacity .2s ease, transform .2s ease; }
  .nav-links.open { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .nav-links li { width: 100%; border-bottom: 1px solid var(--line); }
  .nav-links a { display: block; padding: 14px 4px; font-size: 1.05rem; }
  .nav-phone { display: none; }
  .nav-toggle { display: block; }
}

/* ---------- Horizon motif (signature element) ---------- */
.horizon {
  position: relative;
  overflow: hidden;
}
.horizon-line {
  position: absolute;
  left: 50%;
  width: 180%;
  border-radius: 50%;
  transform: translateX(-50%);
  border-top: 3px solid transparent;
  border-image: linear-gradient(90deg, transparent, var(--sky-bright), var(--sky), transparent) 1;
  pointer-events: none;
}
.divider-arc {
  width: 100%;
  height: 60px;
  display: block;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, #EAF6FB 0%, var(--mist) 55%, var(--paper) 100%);
  padding: 76px 0 40px;
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 48px;
  align-items: center;
}
.hero-art {
  position: relative;
  aspect-ratio: 1/1;
  border-radius: 28px;
  background: radial-gradient(120% 120% at 30% 20%, #0F5A80 0%, var(--navy-deep) 60%);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.hero-art svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}
.trust-row div { font-size: .85rem; color: var(--ink-soft); }
.trust-row strong { display: block; font-family: var(--font-display); font-size: 1.5rem; color: var(--navy-deep); font-weight: 600; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-art { aspect-ratio: 16/10; order: -1; }
}

/* ---------- Cards / grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-flow { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 24px; }
@media (max-width: 860px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.card-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--sky), var(--ocean));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card-icon svg { width: 24px; height: 24px; stroke: #fff; }

.svc-card { display: flex; flex-direction: column; height: 100%; }
.svc-card .btn-outline { margin-top: auto; align-self: flex-start; }

/* ---------- Quote / testimonial ---------- */
.quote-block {
  position: relative;
  padding: 56px;
  border-radius: var(--radius);
  background: var(--navy-deep);
  color: #fff;
  overflow: hidden;
}
.quote-block::before {
  content: "“";
  position: absolute;
  top: -30px; left: 24px;
  font-family: var(--font-display);
  font-size: 11rem;
  color: rgba(255,255,255,.07);
  line-height: 1;
}
.quote-text { font-family: var(--font-display); font-size: clamp(1.3rem, 2.6vw, 1.7rem); font-weight: 500; max-width: 46ch; position: relative; }
.quote-attr { color: var(--sky-bright); font-weight: 700; margin-top: 20px; font-size: .9rem; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--ocean), var(--navy));
  border-radius: 24px;
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  color: #fff;
}
.cta-banner h2 { color: #fff; margin-bottom: .3em; }
.cta-banner p { color: #C7DEE8; margin: 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #B7CBD6; padding: 64px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer-grid h4 { color: #fff; font-family: var(--font-body); font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 18px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-grid a:hover { color: #fff; }
.footer-logo img { height: 34px; margin-bottom: 16px; }
.footer-bottom { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: .82rem; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Page header (inner pages) ---------- */
.page-hero {
  background: linear-gradient(180deg, #EAF6FB 0%, var(--mist) 100%);
  padding: 64px 0 56px;
  text-align: center;
}
.page-hero .lede { margin: 0 auto; }

/* ---------- Form ---------- */
.form-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}
.field { margin-bottom: 20px; }
.field label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 6px; color: var(--navy-deep); }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: .96rem;
  color: var(--ink);
  background: var(--mist);
  transition: border-color .15s ease, background .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--sky);
  background: #fff;
  outline: none;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.form-note { font-size: .82rem; color: var(--ink-soft); margin-top: 12px; }
#form-status { margin-top: 16px; font-weight: 600; }
#form-status.success { color: #1B7A4A; }
#form-status.error { color: #B3261E; }

/* ---------- Contact info list ---------- */
.info-list { display: grid; gap: 22px; }
.info-item { display: flex; gap: 16px; }
.info-item .card-icon { flex-shrink: 0; margin-bottom: 0; }
.info-item h4 { margin: 0 0 4px; font-family: var(--font-body); color: var(--navy-deep); }

/* ---------- Values / numbered list only where truly sequential ---------- */
.step {
  display: flex;
  gap: 18px;
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}
.step:last-child { border-bottom: none; }
.step-num {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--sky);
  font-weight: 600;
  flex-shrink: 0;
  width: 44px;
}

.badge-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.badge { border: 1px solid var(--line); border-radius: 100px; padding: 8px 16px; font-size: .82rem; font-weight: 600; color: var(--ocean); background: var(--mist); }

.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 860px) { .team-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .team-grid { grid-template-columns: 1fr; } }
.team-card { text-align: left; }
.team-photo { aspect-ratio: 1/1; border-radius: var(--radius); background: linear-gradient(150deg, var(--ocean), var(--navy-deep)); margin-bottom: 14px; position: relative; overflow: hidden; }
.team-card h4 { margin-bottom: 2px; }
.team-role { font-size: .85rem; color: var(--ocean); font-weight: 600; }

/* Card CTAs sit on a shared baseline even when the copy above differs in
   length — otherwise the buttons stagger across a row of cards. */
.card { display: flex; flex-direction: column; }
.card .btn { margin-top: auto; align-self: flex-start; }