/* ==========================================================================
   Heritage Insurance site styles
   Extracted from design prototype, adapted for niche landing pages.
   ========================================================================== */

:root {
  --bg: #F5EEDF;
  --surface: #FBF6EA;
  --surface-2: #ECE1C8;
  --ink: #1C1814;
  --ink-2: #342D23;
  --muted: #6B5F49;
  --line: #14213D;
  --line-soft: rgba(20,33,61,0.16);
  --navy: #14213D;
  --navy-2: #0A1428;
  --accent: #B48236;
  --accent-2: #8F6F2A;
  --gold: #B48236;
  --serif: "Source Serif 4", "Iowan Old Style", Georgia, serif;
  --sans: "Inter", -apple-system, Helvetica, Arial, sans-serif;
  --mono: "JetBrains Mono", ui-monospace, monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; background: var(--bg); color: var(--ink); font-family: var(--sans); }
body { font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: 0; background: none; color: inherit; }

/* ---------- Layout ---------- */
.wrap { max-width: 1320px; margin: 0 auto; padding: 0 32px; }
.wrap-narrow { max-width: 920px; margin: 0 auto; padding: 0 32px; }
.hair { height: 1px; background: var(--line); opacity: .9; }
.hair-soft { height: 1px; background: var(--line-soft); }

/* ---------- Type ---------- */
.eyebrow {
  font-family: var(--mono); font-size: 11px; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--muted); font-weight: 500;
}
.eyebrow .dot { display:inline-block; width:6px; height:6px; background: var(--gold); border-radius: 50%; margin-right: 10px; transform: translateY(-2px); }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; letter-spacing: -0.01em; color: var(--navy); margin: 0; font-optical-sizing: auto; }
.display { font-family: var(--serif); font-weight: 300; font-size: clamp(40px, 6vw, 88px); line-height: 1.08; letter-spacing: -0.025em; color: var(--navy); }
.display em { font-style: italic; font-weight: 400; color: var(--gold); }
.h2 { font-size: clamp(30px, 3.8vw, 56px); line-height: 1.12; letter-spacing: -0.02em; font-weight: 300; }
.h2 em { font-style: italic; color: var(--gold); }
.h3 { font-size: clamp(20px, 1.8vw, 26px); line-height: 1.18; font-weight: 500; }
.lede { font-family: var(--serif); font-size: clamp(18px, 1.4vw, 22px); line-height: 1.45; color: var(--ink-2); font-weight: 400; }
.body { color: var(--ink-2); }

/* ---------- PLACEHOLDERS — must be impossible to miss ----------
   Anything wrapped in .tbd is NOT real content. Loud on purpose.
   Pre-launch check: `grep -c 'class="tbd"' site/*.html` must return 0. */
.tbd {
  background: repeating-linear-gradient(45deg, #FFE8B0 0 8px, #FFD980 8px 16px);
  color: #8A3B00; font-family: var(--mono); font-size: 0.9em; font-weight: 600;
  padding: 2px 8px; border: 2px dashed #C2410C; border-radius: 3px;
  text-transform: uppercase; letter-spacing: 0.04em;
}
.tbd::before { content: "⚠ "; }
/* a whole block that still needs content */
.tbd-block {
  border: 2px dashed #C2410C; background: repeating-linear-gradient(45deg, rgba(255,232,176,.5) 0 12px, rgba(255,217,128,.5) 12px 24px);
  padding: 20px 24px; margin: 16px 0; border-radius: 4px;
}
.tbd-block > .lbl {
  display: inline-block; background: #C2410C; color: #fff; font-family: var(--mono);
  font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 4px 10px; margin-bottom: 10px; border-radius: 2px;
}
.tbd-block p { margin: 0; color: #7C2D12; font-size: 14px; line-height: 1.55; }

/* ---------- Announce bar ---------- */
.announce {
  background: var(--navy); color: #F3ECE0;
  font-family: var(--mono); font-size: 11px; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 10px 0;
}
.announce .wrap { display:flex; justify-content: space-between; align-items: center; gap: 24px; }
.announce a { opacity: .85; }
.announce a:hover { opacity: 1; }
.announce .left { display:flex; gap: 28px; flex-wrap: wrap; }
.announce .right { display:flex; gap: 22px; }

/* ---------- Nav ---------- */
header.nav {
  position: sticky; top: 0; z-index: 40;
  background: var(--bg); border-bottom: 1px solid var(--line);
}
header.nav .bar {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center;
  padding: 14px 0; gap: 48px;
}
.logo { display: flex; align-items: center; color: var(--navy); }
.logo img.lockup { height: 64px; width: auto; display: block; }
nav.main { display:flex; gap: 6px; align-items: center; justify-self: center; }
nav.main a {
  padding: 10px 14px; font-size: 14px; font-weight: 500; color: var(--ink-2);
  border-radius: 999px; transition: background .2s;
}
nav.main a:hover, nav.main a.current { background: var(--surface-2); color: var(--navy); }
.nav-cta { display: flex; align-items: center; gap: 14px; }
.phone { font-family: var(--mono); font-size: 12px; color: var(--ink-2); letter-spacing: 0.04em; }
.phone strong { font-family: var(--serif); font-weight: 500; font-size: 17px; color: var(--navy); letter-spacing: 0; display:block; margin-top: 2px; }

/* mobile hamburger (real one, not the bug from the prototype) */
.hamburger { display: none; padding: 10px; }
.hamburger svg { width: 24px; height: 24px; }
.mobile-menu { display: none; }
.mobile-menu.open { display: block; padding: 16px 0; border-top: 1px solid var(--line-soft); }
.mobile-menu a { display: block; padding: 10px 32px; font-weight: 500; color: var(--ink-2); }

/* ---------- Buttons ---------- */
.btn {
  display:inline-flex; align-items:center; gap: 10px;
  padding: 14px 22px; font-weight: 600; font-size: 14px;
  border-radius: 999px; transition: transform .15s, background .2s, color .2s, box-shadow .2s;
  letter-spacing: -0.005em; white-space: nowrap;
}
.btn .arrow { width: 16px; height: 16px; transition: transform .2s; }
.btn:hover .arrow { transform: translateX(3px); }
.btn-primary { background: var(--navy); color: #F6F0E3; }
.btn-primary:hover { background: var(--navy-2); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--accent-2); color: #FAF7F2; }
.btn-ghost { background: transparent; color: var(--navy); border: 1px solid var(--line); }
.btn-ghost:hover { background: var(--navy); color: var(--bg); }
.btn-sm { padding: 10px 16px; font-size: 13px; }

/* ---------- Niche hero ---------- */
section.niche-hero { padding: 56px 0 72px; }
.niche-hero-grid {
  display: grid; grid-template-columns: 1fr 440px; gap: 64px; align-items: start;
}
.niche-h1 {
  font-family: var(--serif); font-weight: 300;
  font-size: clamp(40px, 5.4vw, 80px); line-height: 1.08;
  letter-spacing: -0.025em; color: var(--navy);
}
.niche-h1 em { font-style: italic; font-weight: 400; color: var(--gold); }
.niche-meta { display:flex; gap: 28px; margin-top: 36px; flex-wrap: wrap; }
.niche-meta .stat .num { font-family: var(--serif); font-size: 30px; font-weight: 400; line-height: 1; color: var(--navy); letter-spacing: -0.02em; }
.niche-meta .stat .lbl { font-family: var(--mono); font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-top: 6px; display:block; }

/* ---------- Quote sidebar ---------- */
.quote-card {
  background: var(--surface); border: 1px solid var(--line);
  padding: 26px 26px 22px; box-shadow: 12px 12px 0 var(--navy); position: relative;
}
.quote-card h3 { font-family: var(--serif); font-weight: 400; font-size: 22px; letter-spacing: -0.01em; margin-bottom: 4px; }
.quote-card .sub { font-size: 13px; color: var(--muted); margin-bottom: 18px; }
.qc-tag {
  display:inline-block; font-family: var(--mono); font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--accent-2); border: 1px solid var(--accent); padding: 4px 8px; margin-bottom: 14px;
}
.qc-field { display:block; margin-bottom: 10px; }
.qc-field label { display:block; font-family: var(--mono); font-size: 10px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; font-weight: 500; }
.qc-field input, .qc-field select, .qc-field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 2px; background: var(--bg);
  font-family: inherit; font-size: 14px; color: var(--ink); font-weight: 500;
}
.qc-field input:focus, .qc-field select:focus, .qc-field textarea:focus { outline: 2px solid var(--accent); outline-offset: -1px; }
.qc-row { display:grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.qc-submit { width: 100%; margin-top: 10px; justify-content: center; }
.qc-foot { font-size: 11px; color: var(--muted); margin-top: 12px; text-align: center; font-family: var(--mono); letter-spacing: 0.04em; }

/* ---------- Section head ---------- */
.section-head { padding-bottom: 48px; border-bottom: 1px solid var(--line); }
.section-head .right { margin-top: 24px; }
.section-head .right p { max-width: 65ch; }
section.standard { padding: 100px 0 80px; }
section.standard.dark { background: var(--navy); color: #F3ECE0; }
section.standard.dark h2, section.standard.dark .h2 { color: #F3ECE0; }
section.standard.dark .h2 em { color: #E8C8A0; }
section.standard.dark .eyebrow { color: #A7B5C5; }
section.standard.dark .eyebrow .dot { background: #E8C8A0; }
section.standard.dark p { color: #C8D1DC; }

/* ---------- Scenarios ---------- */
.scenarios { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--line); margin-top: 56px; }
.scen { padding: 36px 28px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.scen:last-child { border-right: 0; }
.scen .n { font-family: var(--mono); font-size: 11px; letter-spacing: 0.16em; color: var(--muted); }
.scen h3 { font-family: var(--serif); font-size: 22px; font-weight: 400; margin: 16px 0 14px; line-height: 1.2; letter-spacing: -0.01em; }
.scen p { font-size: 14px; color: var(--muted); line-height: 1.6; margin: 0; }

/* ---------- Coverage components (numbered) ---------- */
.components { margin-top: 48px; border-top: 1px solid var(--line); }
.comp { display: grid; grid-template-columns: minmax(190px, 0.62fr) minmax(0, 1.38fr); gap: 28px; padding: 26px 0; border-bottom: 1px solid var(--line-soft); align-items: start; }
.comp .cnum { font-family: var(--mono); font-size: 13px; letter-spacing: 0.12em; color: var(--accent-2); padding-top: 4px; }
.comp .ctitle { font-family: var(--serif); font-size: 22px; font-weight: 400; color: var(--navy); letter-spacing: -0.01em; }
.comp .cdesc { font-size: 14px; color: var(--ink-2); line-height: 1.6; }

/* ---------- Carriers (niche subset) ---------- */
.car-niche { display:grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border: 1px solid var(--line); margin-top: 48px; }
.car-niche .car {
  padding: 28px 28px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line);
  background: var(--surface); display: flex; flex-direction: column;
}
.car-niche .car:nth-child(2n) { border-right: 0; }
.car-niche .car:nth-last-child(-n+2) { border-bottom: 0; }
.car-niche .cname { font-family: var(--serif); font-size: 22px; color: var(--navy); font-weight: 400; }
.car-niche .cmeta { font-family: var(--mono); font-size: 10px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-top: 6px; }
.car-niche .cnote { font-size: 14px; color: var(--ink-2); margin-top: 12px; line-height: 1.55; }

/* ---------- Testimonial single ---------- */
.test-single {
  margin-top: 56px; padding: 48px; background: var(--surface-2);
  border-left: 4px solid var(--gold);
}
.test-single .stars { color: var(--gold); letter-spacing: 2px; font-size: 16px; margin-bottom: 18px; }
.test-single .q {
  font-family: var(--serif); font-style: italic; font-weight: 400;
  font-size: clamp(22px, 2.2vw, 30px); line-height: 1.3; color: var(--navy);
  letter-spacing: -0.01em; margin: 0 0 24px;
}
.test-single .who { display:flex; gap: 14px; align-items: center; }
.test-single .who .av { width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #F6F0E3; display:flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 16px; font-weight: 500; }
.test-single .who .nm { font-weight: 600; font-size: 14px; }
.test-single .who .mt { font-family: var(--mono); font-size: 10px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }

/* ---------- FAQ ---------- */
section.faq { padding: 100px 0; border-top: 1px solid var(--line); }
.faq-list { margin-top: 48px; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%; display:flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 26px 0; text-align: left; font-family: var(--serif);
  font-size: clamp(18px, 1.5vw, 24px); color: var(--navy); font-weight: 400; letter-spacing: -0.01em;
}
.faq-q .plus { width: 22px; height: 22px; flex-shrink: 0; transition: transform .25s, color .25s; color: var(--navy); }
.faq-item.open .faq-q .plus { transform: rotate(45deg); color: var(--gold); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 0 26px; max-width: 780px; color: var(--ink-2); font-size: 15px; line-height: 1.65; }
.faq-item.open .faq-a { max-height: 600px; }

/* ---------- Town / coverage strip ---------- */
.cov-strip { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); border: 1px solid var(--line); }
.cov-strip > div { padding: 22px 20px; border-right: 1px solid var(--line-soft); font-family: var(--serif); font-size: 17px; color: var(--navy); }
.cov-strip > div:last-child { border-right: 0; }

/* ---------- Cross-link strip ---------- */
.crosslinks { padding: 80px 0; border-top: 1px solid var(--line); background: var(--surface-2); }
.cl-grid { display:grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; margin-top: 36px; border-top: 1px solid var(--line); }
.cl-grid a {
  padding: 28px 24px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line);
  background: var(--bg); transition: background .2s;
  font-family: var(--serif); font-size: 20px; font-weight: 400; color: var(--navy);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.cl-grid a:last-child { border-right: 0; }
.cl-grid a:hover { background: var(--surface); }
.cl-grid a .arr { font-family: var(--mono); font-size: 11px; color: var(--muted); letter-spacing: 0.1em; }

/* ---------- CTA ---------- */
section.cta {
  padding: 110px 0; background: var(--bg); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  text-align: center;
}
.cta .display { font-size: clamp(48px, 7vw, 110px); line-height: 1.06; }
.cta .actions { display:flex; justify-content:center; gap: 14px; margin-top: 40px; flex-wrap: wrap; }

/* ---------- Footer ---------- */
footer.foot { background: var(--navy); color: #C8D1DC; padding: 72px 0 36px; }
footer.foot .top {
  display:grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: 48px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(243,236,224,0.2);
}
footer.foot .logo .wordmark { color: #F3ECE0; }
footer.foot h4 { font-family: var(--mono); font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: #8FA0B4; font-weight: 500; margin-bottom: 18px; }
footer.foot ul { list-style: none; padding: 0; margin: 0; display:flex; flex-direction: column; gap: 10px; font-size: 14px; }
footer.foot ul a { color: #E8EEF5; }
footer.foot ul a:hover { color: #FFF; }
footer.foot .addr { font-family: var(--serif); color: #F3ECE0; font-size: 16px; line-height: 1.55; margin-top: 20px; }
footer.foot .bot { display:flex; justify-content: space-between; align-items: center; padding-top: 28px; font-family: var(--mono); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: #8FA0B4; gap: 16px; flex-wrap: wrap; }

/* ---------- Index landing ---------- */
.index-hero { padding: 80px 0 64px; }
.index-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--line); margin-top: 40px; }
.index-card {
  padding: 40px 36px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line);
  background: var(--bg); transition: background .2s;
}
.index-card:nth-child(2n) { border-right: 0; }
.index-card:hover { background: var(--surface); }
.index-card .num { font-family: var(--mono); font-size: 11px; letter-spacing: 0.16em; color: var(--muted); }
.index-card h3 { font-family: var(--serif); font-size: 32px; font-weight: 400; margin: 12px 0 10px; letter-spacing: -0.01em; }
.index-card p { font-size: 14px; color: var(--muted); line-height: 1.55; margin: 0 0 16px; }
.index-card .url { font-family: var(--mono); font-size: 11px; color: var(--accent-2); letter-spacing: 0.06em; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .cov-strip { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .cov-strip > div:nth-child(3n) { border-right: 0; }
  .cov-strip > div:nth-child(-n+3) { border-bottom: 1px solid var(--line-soft); }
  .niche-hero-grid { grid-template-columns: 1fr; }
  .scenarios { grid-template-columns: 1fr; }
  .scen { border-right: 0; }
  .car-niche { grid-template-columns: 1fr; }
  .car-niche .car { border-right: 0; }
  .cl-grid { grid-template-columns: 1fr 1fr; }
  .cl-grid a:nth-child(2n) { border-right: 0; }
  .index-grid { grid-template-columns: 1fr; }
  .index-card { border-right: 0; }
  footer.foot .top { grid-template-columns: 1fr 1fr; }
  nav.main { display: none; }
  .hamburger { display: inline-flex; }
  .phone { display: none; }
  .comp { grid-template-columns: minmax(0, 1fr); gap: 8px 20px; }
}

@media (max-width: 600px) {
  .announce .left { display: none; }
  .announce .wrap { justify-content: center; }
  .logo img.lockup { height: 44px; }
  header.nav .bar { padding: 10px 0; gap: 16px; }
  .cov-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cov-strip > div:nth-child(3n) { border-right: 1px solid var(--line-soft); }
  .cov-strip > div:nth-child(2n) { border-right: 0; }
  .wrap { padding: 0 20px; }
  footer.foot .top { grid-template-columns: 1fr; gap: 32px; }
  .niche-meta { gap: 18px; }
  .test-single { padding: 28px 22px; }
}