/* Smart Insurance Offers - shared styles */
:root{
  --plum:#0E3B3A;
  --plum-2:#17605C;
  --coral:#F0A12E;
  --coral-d:#D98A17;
  --blush:#F1F7F6;
  --blush-2:#E2EFEC;
  --ink:#13292A;
  --muted:#55696A;
  --line:#D7E4E1;
  --gold:#E9A23B;
  --white:#fff;
  --serif:"Libre Baskerville", Georgia, "Times New Roman", serif;
  --sans:"Hind", "Segoe UI", Arial, sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{font-family:var(--sans);color:var(--ink);background:var(--white);font-size:15px;line-height:1.6;overflow-x:hidden}
a{color:inherit}
img,svg{max-width:100%}
img{height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
:focus-visible{outline:3px solid var(--coral);outline-offset:2px}
[id]{scroll-margin-top:84px} /* keep anchor targets clear of the sticky header */

/* Top bar */
.topbar{background:var(--plum);color:#fff;font-size:12.5px;font-weight:500}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:30px;gap:12px;flex-wrap:wrap}
.topbar .left{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.topbar .dot{opacity:.6}
.topbar a{text-decoration:underline;text-underline-offset:2px}

/* Header */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.logo{display:flex;align-items:center;gap:6px;text-decoration:none}
.logo{flex:none}
.logo-img{display:block;height:54px;width:auto}
header.site .logo-img{height:54px}
nav.main{display:flex;gap:26px;font-size:13.5px;font-weight:500}
nav.main a{text-decoration:none;color:var(--muted)}
nav.main a.active,nav.main a:hover{color:var(--ink);font-weight:600}
.head-cta{display:flex;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;font-family:var(--sans);font-weight:600;font-size:13.5px;border-radius:2px;padding:9px 16px;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .15s}
.btn-outline{border-color:var(--ink);color:var(--ink);background:#fff}
.btn-outline:hover{background:var(--blush)}
.btn-coral{background:var(--coral);color:var(--ink)}
.btn-coral:hover{background:var(--coral-d)}
.btn-white{background:#fff;color:var(--ink)}
.menu-toggle{display:none;background:none;border:1px solid var(--line);padding:6px 10px;font-size:18px;cursor:pointer}

/* Hero */
.hero{background:var(--blush);padding:48px 0 52px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1fr 380px;gap:44px;align-items:start}
.pill{display:inline-block;background:var(--blush-2);color:var(--plum-2);font-size:12px;font-weight:500;padding:4px 12px;border-radius:20px;margin-bottom:22px;border:1px solid #C9E0DC}
h1{font-family:var(--serif);font-weight:400;font-size:clamp(28px,4vw,35px);line-height:1.12;color:var(--plum);margin-bottom:18px;letter-spacing:-.3px}
.lead{color:var(--muted);max-width:290px;margin-bottom:22px;font-size:14px}
.note{background:var(--blush-2);border-left:3px solid var(--coral);padding:12px 16px;max-width:280px;font-size:12px;color:var(--muted);margin-bottom:24px}
.note b{color:var(--ink)}
.call-row{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:24px}
.call-row .btn{padding:11px 18px}
.call-row span{font-size:12px;color:var(--muted)}
.features{display:grid;grid-template-columns:1fr 1fr;gap:10px;max-width:420px}
.feature{background:#fff;border:1px solid var(--line);padding:12px 14px;display:flex;gap:12px;font-size:12px}
.check{flex:none;width:20px;height:20px;border-radius:50%;background:var(--blush-2);color:var(--coral);display:grid;place-items:center;font-size:11px;font-weight:700}
.feature b{display:block;font-size:12.5px;color:var(--ink)}
.feature span{color:var(--muted);line-height:1.5}

/* Quote card */
.quote{background:#fff;border-radius:4px;box-shadow:0 18px 40px rgba(14,59,58,.18);overflow:hidden;margin-top:-8px}
.quote-head{background:var(--plum-2);color:#fff;padding:20px 22px 14px}
.quote-head h2{font-family:var(--serif);font-size:15.5px;font-weight:700;margin-bottom:12px}
.progress{height:3px;background:rgba(255,255,255,.25);margin-bottom:8px}
.progress i{display:block;height:100%;background:var(--coral);width:33.33%;transition:width .3s ease}
.quote-head p{font-size:11.5px;opacity:.9}
.quote-body{padding:22px}
.q-label{font-size:12.5px;font-weight:600;margin-bottom:12px;display:block}
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:16px}
.cov{background:#fff;border:1px solid var(--line);height:66px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;font-family:var(--sans);font-size:12px;color:var(--muted);cursor:pointer;transition:border-color .15s,background .15s}
.cov svg{width:18px;height:18px}
.cov:hover{border-color:var(--coral)}
.cov[aria-pressed="true"]{border-color:var(--coral);background:#FEF6E8;color:var(--ink);font-weight:600}
.btn-continue{width:100%;padding:10px;font-size:12.5px;background:#D5DEDC;color:#7C8E8D;border:none;cursor:not-allowed}
.btn-continue.ready{background:var(--coral);color:var(--ink);cursor:pointer}
.btn-continue.ready:hover{background:var(--coral-d)}
.fine{text-align:center;font-size:11px;color:#83999A;margin:10px 0 16px}
.privacy{background:var(--blush-2);border:1px solid #C9E0DC;padding:12px;font-size:11px;color:var(--muted);line-height:1.6}
.field{margin-bottom:12px}
.field label{display:block;font-size:12px;font-weight:600;margin-bottom:4px}
.field input,.field select{width:100%;padding:9px 10px;border:1px solid var(--line);font-family:var(--sans);font-size:14px;border-radius:2px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--coral)}
.field .err{color:var(--coral-d);font-size:11px;display:none;margin-top:3px}
.field.invalid input,.field.invalid select{border-color:var(--coral-d)}
.field.invalid .err{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.consent{display:flex;gap:8px;font-size:10.5px;color:var(--muted);line-height:1.5;margin:4px 0 14px}
.consent input{margin-top:3px;flex:none}
.send-err{background:#FDF1E1;border:1px solid var(--coral);color:var(--ink);font-size:12px;padding:8px 10px;border-radius:2px;margin:0 0 12px}
.send-err[hidden]{display:none}
#submitBtn:disabled{opacity:.7;cursor:wait}
.back{background:none;border:none;color:var(--muted);font-size:12px;cursor:pointer;margin-top:10px;text-decoration:underline;font-family:var(--sans);display:block;margin-inline:auto}
.step{display:none}
.step.on{display:block}
.done{text-align:center;padding:10px 0}
.done .big{width:48px;height:48px;border-radius:50%;background:var(--blush-2);color:var(--coral-d);display:grid;place-items:center;margin:0 auto 12px;font-size:22px;font-weight:700}
.done h3{font-family:var(--serif);font-size:17px;color:var(--plum);margin-bottom:8px}
.done p{font-size:13px;color:var(--muted);margin-bottom:14px}

/* Trust */
.trust{padding:44px 0;border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;text-align:center}
.t-ico{width:42px;height:42px;border-radius:50%;background:var(--blush-2);display:grid;place-items:center;margin:0 auto 12px}
.t-ico svg{width:20px;height:20px}
.trust h3{font-family:var(--serif);font-size:14px;font-weight:400;color:var(--ink);margin-bottom:6px}
.trust p{font-size:12px;color:var(--muted);max-width:190px;margin:0 auto;line-height:1.55}

/* Carriers */
.carriers{padding:62px 0 54px;text-align:center}
h2.sec{font-family:var(--serif);font-weight:400;font-size:clamp(22px,3vw,25px);color:var(--plum);margin-bottom:10px}
.sub{font-size:12.5px;color:var(--muted);margin-bottom:26px}
.c-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;max-width:676px;margin:0 auto 24px}
.c-grid div{border:1px solid var(--line);height:50px;display:grid;place-items:center;font-weight:600;font-size:12.5px}
.tm{max-width:540px;margin:0 auto;background:var(--blush-2);border:1px solid #C9E0DC;padding:12px 16px;font-size:11.5px;color:var(--muted);text-align:left;line-height:1.6}
.tm b{color:var(--ink)}

/* How */
.how{background:var(--plum);color:#fff;padding:62px 0 58px;text-align:center}
.how h2.sec{color:#fff}
.how .sub{color:rgba(255,255,255,.85)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:38px}
.num{width:38px;height:38px;border-radius:50%;background:var(--coral);color:var(--ink);font-weight:700;display:grid;place-items:center;margin:0 auto 14px;font-family:var(--serif);font-size:13px}
.steps h3{font-size:14px;font-weight:600;margin-bottom:6px}
.steps p{font-size:12px;color:rgba(255,255,255,.8);max-width:180px;margin:0 auto;line-height:1.55}

/* FAQ */
.faq{padding:58px 0 10px}
.faq .wrap{max-width:720px}
.faq h2.sec{text-align:center}
.faq .sub{text-align:center}
details{border:1px solid var(--line);margin-bottom:10px;background:#fff}
summary{padding:14px 18px;cursor:pointer;font-weight:600;font-size:14px;list-style:none;display:flex;justify-content:space-between;gap:10px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--coral);font-size:18px;line-height:1}
details[open] summary::after{content:"–"}
details p{padding:0 18px 16px;font-size:13px;color:var(--muted)}

/* CTA */
.cta-sec{padding:48px 0 0}
.cta-box{background:linear-gradient(115deg,#1B6B66 0%,#12504F 55%,#0B3133 100%);border-radius:4px;color:#fff;text-align:center;padding:42px 20px}
.cta-box h2{font-family:var(--serif);font-weight:700;font-size:clamp(19px,2.6vw,22px);margin-bottom:10px}
.cta-box p{font-size:13px;opacity:.9;margin-bottom:20px}
.cta-box .btn{padding:11px 22px}
.disclose{max-width:570px;margin:24px auto 46px;text-align:center;font-size:11.5px;color:var(--muted);line-height:1.6}

/* Footer */
footer{background:var(--plum);color:rgba(255,255,255,.85);padding:42px 0 26px;font-size:12px}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:34px}
.f-logo{background:#fff;padding:8px 14px;display:inline-flex;border-radius:3px;margin-bottom:12px}
.f-logo .logo-img{height:44px}
.f-grid p{max-width:190px;line-height:1.55;color:rgba(255,255,255,.75)}
footer h4{color:#fff;font-size:12px;font-weight:600;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:6px}
footer a{text-decoration:none}
footer .legal a,footer .contact a{text-decoration:underline;text-underline-offset:2px}
footer a:hover{color:#fff}
.f-disc{border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.04);padding:16px;font-size:11px;color:rgba(255,255,255,.7);line-height:1.65}
.f-disc p+p{margin-top:8px}
.copy{text-align:center;margin-top:20px;font-size:11px;color:rgba(255,255,255,.6)}

/* Mobile call bar */
.mcall{display:none}

/* Small laptops / large tablets */
@media (max-width:1024px){
  nav.main{gap:18px}
  .head-cta{gap:8px}
}

/* Tablets: stack hero, switch header to the menu button */
@media (max-width:900px){
  .hero{padding:36px 0 40px}
  .hero .wrap{grid-template-columns:1fr;gap:32px}
  .quote{width:100%;max-width:480px;margin:0 auto}
  .lead,.note{max-width:100%}
  .features{max-width:100%}
  .f-grid{grid-template-columns:1fr 1fr}
  .f-grid p{max-width:none}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:8px 20px 14px;gap:0;border-bottom:1px solid var(--line);box-shadow:0 10px 20px rgba(14,59,58,.08);font-size:15px}
  nav.main a{padding:11px 0;border-bottom:1px solid var(--line)}
  nav.main a:last-child{border-bottom:none}
  nav.main.open{display:flex}
  .menu-toggle{display:block;min-width:44px;min-height:40px;color:var(--ink)}
  .legal-body .wrap{gap:28px}
}

/* Phones */
@media (max-width:760px){
  .head-cta .btn-outline{display:none}
  .trust{padding:36px 0}
  .trust .wrap,.steps{grid-template-columns:1fr;gap:26px}
  .trust p,.steps p{max-width:320px}
  .carriers,.how{padding:46px 0 42px}
  .faq{padding:44px 0 6px}
  .c-grid{grid-template-columns:repeat(2,1fr)}
  .topbar{font-size:12px}
  .topbar .wrap{justify-content:center;padding-top:4px;padding-bottom:4px}
  .topbar .left{justify-content:center;row-gap:0}
  .topbar .right{display:none}
  .mcall{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:30;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));background:var(--plum)}
  .mcall .btn{width:100%;padding:12px;font-size:14px}
  body{padding-bottom:calc(64px + env(safe-area-inset-bottom,0px))}
  /* 16px inputs stop iOS Safari from zooming in on focus */
  .field input,.field select{font-size:16px;padding:11px 12px}
  .cov{height:72px;font-size:13px}
  .btn-continue{padding:13px;font-size:14px}
  .back{padding:6px 12px}
  .consent{font-size:11.5px}
  .consent input{width:18px;height:18px;margin-top:1px}
  summary{padding:14px 16px}
  details p{padding:0 16px 14px}
  footer li{margin-bottom:10px}
  .cta-box{padding:34px 18px}
}

/* Small phones */
@media (max-width:480px){
  .wrap{padding:0 16px}
  header.site .wrap{height:64px;gap:10px}
  header.site .logo-img{height:44px}
  .features,.f-grid,.row2{grid-template-columns:1fr}
  .f-grid{gap:24px}
  .head-cta .btn-coral{padding:9px 12px;font-size:13px}
  .quote-body{padding:18px 16px}
  .quote-head{padding:18px 16px 12px}
  .cov-grid{gap:8px}
  .call-row .btn{width:100%}
  .page-hero{padding:32px 0 28px}
  .legal-body{padding:30px 0 44px}
  article{font-size:15px}
}

/* Very small phones (iPhone SE 1st gen, Galaxy Fold) */
@media (max-width:360px){
  header.site .logo-img{height:36px}
  .head-cta .btn-coral{padding:8px 10px;font-size:12px}
  .cov-grid{grid-template-columns:repeat(2,1fr)}
}

/* Phones in landscape: keep the sticky header from eating the screen */
@media (max-height:500px) and (orientation:landscape){
  header.site{position:relative}
  .mcall{display:none}
  body{padding-bottom:0}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.progress i{transition:none}}

/* ---------- Policy pages ---------- */
.page-hero{background:var(--blush);border-bottom:1px solid var(--line);padding:46px 0 38px}
.page-hero h1{margin-bottom:8px}
.page-hero p{color:var(--muted);font-size:13px}
.legal-body{padding:44px 0 60px}
.legal-body .wrap{display:grid;grid-template-columns:220px 1fr;gap:44px;align-items:start}
.toc{position:sticky;top:96px;border:1px solid var(--line);padding:16px;font-size:12.5px;background:#fff}
.toc b{display:block;margin-bottom:8px;font-size:12px}
.toc a{display:block;text-decoration:none;color:var(--muted);padding:3px 0;line-height:1.4}
.toc a:hover{color:var(--coral-d)}
article{max-width:680px;min-width:0;font-size:14.5px;line-height:1.75;overflow-wrap:break-word}
article a,footer .contact a{overflow-wrap:anywhere}
article h2{font-family:var(--serif);font-weight:400;font-size:19px;color:var(--plum);margin:34px 0 10px;scroll-margin-top:96px}
article h2:first-child{margin-top:0}
article h3{font-size:15px;margin:18px 0 6px}
article p{margin-bottom:12px;color:#263B3D}
article ul{margin:0 0 14px 20px;color:#263B3D}
article li{margin-bottom:6px}
article .box{background:var(--blush-2);border-left:3px solid var(--coral);padding:14px 16px;margin:0 0 18px;font-size:13.5px}
article .caps{text-transform:uppercase;font-size:12.5px;letter-spacing:.2px}
@media (max-width:820px){
  .legal-body .wrap{grid-template-columns:1fr}
  .toc{position:static}
  .toc a{padding:6px 0}
}

/* ---------- Polish: rounded corners, soft shadows, smooth hovers ---------- */
:root{
  --r-sm:8px;   /* inputs, small boxes */
  --r-md:12px;  /* cards, buttons */
  --r-lg:18px;  /* quote card, CTA */
  --shadow-sm:0 1px 2px rgba(14,59,58,.06),0 2px 6px rgba(14,59,58,.05);
  --shadow-md:0 6px 18px rgba(14,59,58,.10);
  --ease:cubic-bezier(.2,.7,.3,1);
}

/* Buttons */
.btn{border-radius:var(--r-md);transition:background .2s var(--ease),transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s var(--ease)}
.btn-coral{box-shadow:0 4px 12px rgba(240,161,46,.30)}
.btn-coral:hover{transform:translateY(-1px);box-shadow:0 8px 18px rgba(240,161,46,.38)}
.btn-outline:hover{border-color:var(--plum-2)}
.btn-white{box-shadow:var(--shadow-sm)}
.btn-white:hover{transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn:active{transform:translateY(0)}
.menu-toggle{border-radius:var(--r-sm);transition:background .2s}
.menu-toggle:hover{background:var(--blush)}

/* Hero */
.note{border-radius:0 var(--r-sm) var(--r-sm) 0}
.feature{border-radius:var(--r-md);box-shadow:var(--shadow-sm);transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.feature:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}

/* Quote card */
.quote{border-radius:var(--r-lg);box-shadow:0 24px 50px rgba(14,59,58,.16),0 2px 6px rgba(14,59,58,.06)}
.progress{border-radius:99px;overflow:hidden}
.progress i{border-radius:99px}
.cov{border-radius:var(--r-md);transition:border-color .2s,background .2s,transform .2s var(--ease),box-shadow .2s var(--ease)}
.cov svg{width:22px;height:22px}
.cov:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.cov[aria-pressed="true"]{box-shadow:0 0 0 2px rgba(240,161,46,.35)}
.btn-continue{border-radius:var(--r-md);transition:background .2s,box-shadow .2s}
.btn-continue.ready{box-shadow:0 4px 12px rgba(240,161,46,.30)}
.privacy,.send-err{border-radius:var(--r-sm)}
.field input,.field select{border-radius:var(--r-sm);transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus{box-shadow:0 0 0 3px rgba(240,161,46,.20)}
.consent input{accent-color:var(--plum-2)}
.back{border-radius:var(--r-sm)}

/* Trust / carriers / how */
.t-ico{box-shadow:inset 0 0 0 1px #C9E0DC}
.c-grid div{border-radius:var(--r-md);background:#fff;transition:border-color .2s,box-shadow .2s var(--ease),transform .2s var(--ease)}
.c-grid div:hover{border-color:#C9E0DC;box-shadow:var(--shadow-md);transform:translateY(-2px)}
.tm{border-radius:var(--r-md)}
.num{box-shadow:0 0 0 6px rgba(240,161,46,.18)}

/* FAQ */
details{border-radius:var(--r-md);overflow:hidden;transition:box-shadow .2s,border-color .2s}
details:hover{border-color:#C9E0DC}
details[open]{box-shadow:var(--shadow-md);border-color:#C9E0DC}
summary::after{transition:transform .2s}

/* CTA + footer */
.cta-box{border-radius:var(--r-lg);box-shadow:0 18px 40px rgba(14,59,58,.18)}
.f-logo{border-radius:var(--r-md)}
.f-disc{border-radius:var(--r-md)}

/* Mobile call bar + menu */
.mcall{box-shadow:0 -6px 18px rgba(14,59,58,.18)}
@media (max-width:900px){nav.main{border-radius:0 0 var(--r-md) var(--r-md)}}

/* Policy pages */
.toc{border-radius:var(--r-md);box-shadow:var(--shadow-sm)}
.toc a{border-radius:6px;transition:color .2s}
article .box{border-radius:0 var(--r-sm) var(--r-sm) 0}

@media (hover:none){
  /* no lift effects on touch screens */
  .btn-coral:hover,.btn-white:hover,.feature:hover,.cov:hover,.c-grid div:hover{transform:none}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important}
}