/* ===================================================
   Simrit Lally Insurance — Landing Page Styles
   =================================================== */

:root{
  --ink: #14213D;
  --ink-2: #1D2B4F;
  --paper: #EFF1ED;
  --paper-2: #FFFFFF;
  --gold: #C89B3C;
  --gold-dark: #A87F2A;
  --forest: #3F7D5C;
  --text: #22262B;
  --text-muted: #5B6169;
  --border: #DCE0DE;
  --radius: 14px;
  --shadow: 0 20px 50px -25px rgba(20,33,61,0.35);
  --font-display: "Fraunces", serif;
  --font-body: "Public Sans", sans-serif;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
h1,h2,h3{ font-family: var(--font-display); color: var(--ink); margin:0 0 .5em; line-height:1.15; }
p{ margin:0 0 1em; color: var(--text-muted); line-height:1.6; }
ul{ margin:0; padding:0; list-style:none; }

.wrap{
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow{
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: .6em;
}
.eyebrow.center, h2.center{ text-align:center; }
.faq h2.center, .trust h2.center{ max-width: 620px; margin-left:auto; margin-right:auto; }

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding: 14px 26px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  white-space: nowrap;
}
.btn-primary{
  background: var(--ink);
  color: #fff;
}
.btn-primary:hover{ background: var(--ink-2); transform: translateY(-1px); }
.btn-full{ width:100%; justify-content:center; }
.btn-outline{
  background: transparent;
  border: 1.5px solid var(--ink);
  color: var(--ink);
}
.btn-outline:hover{ background: var(--ink); color:#fff; }

/* ===== Header ===== */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(239,241,237,0.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}
.logo-block{ display:flex; flex-direction:column; line-height:1; }
.logo-name{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  color: var(--ink);
}
.logo-slogan{
  font-size: 11px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-top: 4px;
  font-weight: 600;
}
.header-call{
  display:flex;
  align-items:center;
  gap:8px;
  padding: 10px 18px;
  border: 1.5px solid var(--ink);
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
  color: var(--ink);
  transition: background .15s ease, color .15s ease;
}
.header-call:hover{ background: var(--ink); color:#fff; }

/* ===== Hero ===== */
.hero{
  position: relative;
  padding: 64px 0 0;
  overflow: hidden;
}
.hero-inner{
  display:grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: start;
  padding-bottom: 88px;
}
.hero-copy h1{
  font-size: clamp(34px, 4.4vw, 52px);
  font-weight: 500;
  letter-spacing: -0.01em;
}
.hero-sub{
  font-size: 18px;
  color: var(--text);
  max-width: 46ch;
}
.hero-sub strong{ color: var(--forest); }
.hero-points{ margin: 22px 0 36px; display:flex; flex-direction:column; gap:10px; }
.hero-points li{
  display:flex; align-items:flex-start; gap:10px;
  font-size: 15px; color: var(--text);
}
.check{
  display:inline-flex; align-items:center; justify-content:center;
  width:20px; height:20px; border-radius:50%;
  background: var(--forest); color:#fff; font-size:12px; flex-shrink:0; margin-top:1px;
}

/* Seal / signature element */
.seal{
  width: 132px; height: 132px;
  border-radius: 50%;
  border: 2px dashed var(--gold);
  display:flex; flex-direction:column; align-items:center; justify-content:center;
  transform: rotate(-9deg);
  color: var(--gold-dark);
  font-family: var(--font-display);
  background: rgba(200,155,60,0.06);
}
.seal span{ font-size: 11px; letter-spacing:.08em; text-transform:uppercase; font-family: var(--font-body); font-weight:700; }
.seal strong{ font-size: 30px; font-style: italic; line-height:1; margin-top:2px; }
.seal sup{ font-size: 13px; }

/* Hero form card */
.hero-form-card{
  background: var(--paper-2);
  border-radius: var(--radius);
  padding: 34px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.hero-form-card h2{ font-size: 24px; margin-bottom:.2em; }
.form-sub{ font-size:14px; margin-bottom: 22px; }
.field{ margin-bottom: 16px; display:flex; flex-direction:column; gap:6px; }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.field label{ font-size:13px; font-weight:600; color: var(--ink); }
.optional{ font-weight:400; color: var(--text-muted); }
.field input{
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 11px 13px;
  font-family: var(--font-body);
  font-size: 15px;
  background: #FBFBFA;
  color: var(--text);
  transition: border-color .15s ease, background .15s ease;
}
.field input:focus{
  outline: none;
  border-color: var(--gold);
  background: #fff;
}
.field input.invalid{
  border-color: #B4463C;
  background: #FDF4F3;
}
.field-error{
  font-size: 12.5px;
  font-weight: 600;
  color: #B4463C;
  min-height: 0;
  display: none;
}
.field-error.show{ display: block; }
.hp-field{ position:absolute; left:-9999px; opacity:0; height:0; overflow:hidden; }
.btn-arrow{ transition: transform .15s ease; }
.btn-primary:hover .btn-arrow{ transform: translateX(3px); }
.form-fine{ font-size:12px; margin: 12px 0 0; color: var(--text-muted); }
.form-status{ font-size: 14px; font-weight:600; margin-top: 10px; min-height: 1.2em; }
.form-status.success{ color: var(--forest); }
.form-status.error{ color: #B4463C; }

/* Roofline divider */
.roofline{ line-height:0; color: var(--paper-2); }
.roofline svg{ width:100%; height:32px; display:block; }
.roofline polyline{ fill:none; stroke: var(--ink); stroke-width:2; opacity:.15; }

/* ===== Trust / marquee ===== */
.trust{ background: var(--paper-2); padding: 64px 0 56px; }
.trust h2{ font-size: 28px; font-weight:500; }
.marquee{
  margin-top: 40px;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track{
  display:flex;
  gap: 14px;
  width: max-content;
  animation: marquee 26s linear infinite;
}
.marquee:hover .marquee-track{ animation-play-state: paused; }
@keyframes marquee{
  from{ transform: translateX(0); }
  to{ transform: translateX(-50%); }
}
.chip{
  display:inline-flex;
  align-items:center;
  padding: 14px 26px;
  border: 1.5px solid var(--border);
  border-radius: 999px;
  font-family: var(--font-display);
  font-weight: 500;
  font-style: italic;
  font-size: 16px;
  color: var(--ink);
  background: var(--paper);
  white-space: nowrap;
}
.chip-more{ color: var(--gold-dark); border-color: var(--gold); font-style: normal; font-weight:700; font-family: var(--font-body); font-size:13px; text-transform:uppercase; letter-spacing:.06em; }

/* ===== Values ===== */
.values{ padding: 72px 0; }
.values-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.value-card{
  background: var(--paper-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 26px;
}
.value-icon{
  width: 44px; height:44px;
  border-radius: 10px;
  background: var(--ink);
  color: var(--gold);
  display:flex; align-items:center; justify-content:center;
  margin-bottom: 18px;
}
.value-card h3{ font-size: 19px; margin-bottom:.35em; }
.value-card p{ font-size: 14.5px; margin:0; }

/* ===== Broker ===== */
.broker{ background: var(--ink); color:#fff; padding: 76px 0; }
.broker-inner{ display:grid; grid-template-columns: auto 1fr; gap: 44px; align-items:center; }
.broker-avatar{
  width: 128px; height:128px;
  border-radius:50%;
  background: linear-gradient(160deg, var(--gold), var(--gold-dark));
  color: var(--ink);
  font-family: var(--font-display);
  font-size: 42px;
  font-weight:600;
  display:flex; align-items:center; justify-content:center;
  flex-shrink:0;
}
.broker .eyebrow{ color: var(--gold); }
.broker h2{ color:#fff; font-size: 30px; font-weight:500; }
.broker-title{ color: rgba(255,255,255,0.65); font-weight:600; font-size:14px; text-transform:uppercase; letter-spacing:.06em; margin-bottom: 16px; }
.broker-bio{ color: rgba(255,255,255,0.8); max-width: 58ch; }
.broker .btn-outline{ border-color: #fff; color:#fff; margin-top: 10px; }
.broker .btn-outline:hover{ background:#fff; color: var(--ink); }

/* ===== FAQ ===== */
.faq{ padding: 76px 0; }
.faq h2{ font-size: 28px; font-weight:500; margin-bottom: 40px; }
.faq-list{ max-width: 720px; margin: 0 auto; display:flex; flex-direction:column; gap: 12px; }
.faq-list details{
  background: var(--paper-2);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 6px 20px;
}
.faq-list summary{
  cursor:pointer;
  font-weight:600;
  color: var(--ink);
  padding: 16px 0;
  list-style: none;
  display:flex;
  justify-content:space-between;
  align-items:center;
  font-size: 15.5px;
}
.faq-list summary::-webkit-details-marker{ display:none; }
.faq-list summary::after{
  content: "+";
  font-size: 20px;
  color: var(--gold-dark);
  transition: transform .2s ease;
}
.faq-list details[open] summary::after{ transform: rotate(45deg); }
.faq-list details p{ padding-bottom: 18px; margin:0; font-size: 14.5px; }

/* ===== Final CTA ===== */
.final-cta{ background: var(--paper-2); padding: 70px 0 90px; }
.final-cta-inner{ text-align:center; }
.final-cta h2{ font-size: 30px; font-weight:500; margin-bottom: 26px; }

/* ===== Footer ===== */
.site-footer{ background: var(--ink-2); color: rgba(255,255,255,0.7); padding: 50px 0 20px; }
.footer-inner{ display:flex; justify-content:space-between; gap: 40px; flex-wrap:wrap; padding-bottom: 30px; border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-logo{ color:#fff; }
.site-footer .logo-slogan{ color: var(--gold); }
.footer-note{ font-size: 12.5px; color: rgba(255,255,255,0.55); max-width: 44ch; margin-top: 14px; margin-bottom:0; }
.footer-contact{ display:flex; flex-direction:column; gap:8px; font-weight:600; }
.footer-contact a:hover{ color: var(--gold); }
.copyright{ font-size: 12px; color: rgba(255,255,255,0.4); margin: 20px 0 0; }

/* ===== How it works ===== */
.how{ padding: 68px 0 8px; background: var(--paper-2); }
.how h2{ font-size: 28px; font-weight: 500; margin-bottom: 44px; }
.how-steps{
  display:grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items:start;
  gap: 18px;
  max-width: 980px;
  margin: 0 auto;
}
.how-step{ text-align:center; padding: 0 6px; }
.how-num{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width: 40px; height:40px;
  border-radius: 50%;
  background: var(--ink);
  color: var(--gold);
  font-family: var(--font-display);
  font-weight:600;
  font-size: 15px;
  margin-bottom: 14px;
}
.how-step h3{ font-size: 17px; margin-bottom: .4em; }
.how-step p{ font-size: 14px; margin:0; }
.how-connector{
  color: var(--gold);
  font-size: 22px;
  padding-top: 8px;
  opacity:.7;
}

/* ===== Stats ===== */
.stats{ background: var(--ink); padding: 52px 0; }
.stats-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align:center;
}
.stat strong{
  display:block;
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 500;
  font-size: clamp(28px, 4vw, 40px);
  color: var(--gold);
  margin-bottom: 6px;
}
.stat span{
  font-size: 13px;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
}

/* ===== Testimonials ===== */
.testimonials{ padding: 76px 0; }
.testimonials h2{ font-size: 28px; font-weight:500; margin-bottom: 40px; }
.testimonial-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card{
  margin:0;
  background: var(--paper-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  display:flex;
  flex-direction:column;
  gap: 16px;
}
.testimonial-highlight{
  background: var(--ink);
  border-color: var(--ink);
}
.testimonial-highlight blockquote,
.testimonial-highlight figcaption{ color:#fff; }
.testimonial-card blockquote{
  margin:0;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 18px;
  line-height:1.45;
  color: var(--ink);
}
.testimonial-card figcaption{
  font-size: 13px;
  font-weight: 700;
  letter-spacing:.03em;
  color: var(--text-muted);
}

/* Regulator note under partner marquee */
.regulator-note{
  text-align:center;
  font-size: 13.5px;
  color: var(--text-muted);
  margin: 28px 0 0;
}
.regulator-note strong{ color: var(--ink); }

/* ===== Broker map row ===== */
.broker-map-row{
  display:grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 32px;
  align-items:center;
  margin-top: 56px;
  padding-top: 44px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.broker-address .eyebrow{ color: var(--gold); }
.address-text{ color: #fff; font-size: 17px; font-family: var(--font-display); margin-bottom: 14px; }
.map-link{
  display:inline-block;
  font-weight: 700;
  font-size: 14px;
  color: var(--gold);
  border-bottom: 1.5px solid var(--gold);
  padding-bottom: 2px;
}
.map-link:hover{ color:#fff; border-color:#fff; }
.broker-map{
  border-radius: var(--radius);
  overflow:hidden;
  border: 1px solid rgba(255,255,255,0.15);
  height: 240px;
}
.broker-map iframe{ width:100%; height:100%; border:0; display:block; filter: grayscale(0.15) contrast(1.02); }

/* Footer link */
.footer-link{ color: var(--gold); font-weight:600; }
.footer-link:hover{ text-decoration: underline; }
.footer-contact a[href="privacy.html"]{ font-weight: 500; font-size: 13px; color: rgba(255,255,255,0.55); }
.form-fine-link{ color: var(--gold-dark); font-weight:600; text-decoration: underline; }

/* ===== Legal page (privacy policy) ===== */
.legal{ padding: 60px 0 90px; }
.legal-wrap{ max-width: 720px; }
.legal h1{ font-size: 36px; font-weight: 500; }
.legal-updated{ font-size: 13px; color: var(--text-muted); margin-bottom: 32px; }
.legal h2{ font-size: 20px; font-weight: 600; margin-top: 34px; }
.legal p, .legal li{ font-size: 15px; }
.legal ul{ padding-left: 20px; list-style: disc; margin-bottom: 1em; }
.legal ul li{ margin-bottom: 6px; color: var(--text-muted); }
.legal a{ color: var(--gold-dark); font-weight: 600; }
.legal a:hover{ text-decoration: underline; }
.legal-back{ margin-top: 20px; }
.mobile-call-bar{
  display:none;
}

/* ===== Responsive ===== */
@media (max-width: 900px){
  .hero-inner{ grid-template-columns: 1fr; gap: 40px; }
  .broker-inner{ grid-template-columns: 1fr; text-align:center; }
  .broker-avatar{ margin: 0 auto; }
  .broker-bio{ margin-left:auto; margin-right:auto; }
  .values-grid{ grid-template-columns: 1fr; }
  .seal{ margin-top: 10px; }
  .how-steps{ grid-template-columns: 1fr; }
  .how-connector{ transform: rotate(90deg); padding: 0; }
  .testimonial-grid{ grid-template-columns: 1fr; }
  .stats-grid{ grid-template-columns: 1fr; gap: 32px; }
  .broker-map-row{ grid-template-columns: 1fr; text-align:center; }
  .broker-map{ height: 220px; }
}

@media (max-width: 768px){
  .header-call{ display:none; }
  .field-row{ grid-template-columns: 1fr; }
  .mobile-call-bar{
    position: fixed;
    bottom: 0; left:0; right:0;
    z-index: 60;
    display:flex;
    align-items:center;
    justify-content:center;
    gap: 10px;
    background: var(--gold);
    color: var(--ink);
    font-weight: 700;
    font-size: 15px;
    padding: 16px 0;
    padding-bottom: max(16px, env(safe-area-inset-bottom));
    box-shadow: 0 -8px 24px rgba(20,33,61,0.18);
  }
  body{ padding-bottom: 64px; }
  .hero{ padding-top: 40px; }
  .hero-inner{ padding-bottom: 56px; }
  .final-cta{ padding-bottom: 64px; }
}

@media (max-width: 480px){
  .hero-form-card{ padding: 24px; }
  .seal{ width:110px; height:110px; }
  .seal strong{ font-size: 24px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  .marquee-track{ animation: none; }
  .btn, .btn-arrow, details summary::after{ transition: none; }
}