/* ============================================================
   Reality Insurance Services
   Palette: red, black, white only. Grays are neutral steps
   between black and white — no other hues anywhere.
   ============================================================ */

:root{
  /* Sampled from the supplied dark logo file so the logo's own background
     blends seamlessly into the header and footer. Re-sample if the logo
     asset is ever replaced. */
  --black:#060606;
  --ink:#141414;        /* body text on white */
  --white:#FFFFFF;
  --red:#E11B22;        /* fills + CTAs. White on this passes AA (4.8:1). */
  --red-dark:#B3141A;
  /* Same red, lifted for TEXT on black. --red as body text on black is
     4.1:1 and fails AA; this is 5.4:1. Used only for type on dark. */
  --red-bright:#F2453D;

  /* neutral steps */
  --g-900:#1C1C1C;
  --g-700:#3A3A3A;
  --g-500:#6E6E6E;      /* muted gray, on white only */
  --g-muted:#8A8A8A;    /* muted gray, on black — the "myth" voice */
  --g-300:#C9C9C9;
  --g-150:#E6E6E6;
  --g-050:#F4F4F4;

  --display:"Oswald","Haettenschweiler","Arial Narrow",Impact,sans-serif;
  --body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --wrap:1200px;
  --pad:24px;
  --radius:2px;         /* near-square. Editorial, not friendly-app. */
  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- reset-ish ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  background:var(--white);
  color:var(--ink);
  font-family:var(--body);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;display:block}
ul,ol{margin:0;padding:0;list-style:none}
p{margin:0}
a{color:inherit}

/* ---------- focus: always visible, never subtle ---------- */
:focus{outline:none}
:focus-visible{
  outline:3px solid var(--red);
  outline-offset:3px;
  border-radius:1px;
}
.on-dark :focus-visible,
.mvr :focus-visible,
.how :focus-visible,
.site-header :focus-visible,
.site-footer :focus-visible{
  outline-color:var(--white);
}

.skip-link{
  position:absolute;left:-9999px;top:0;z-index:100;
  background:var(--red);color:var(--white);
  padding:12px 20px;font-weight:700;text-decoration:none;
}
.skip-link:focus{left:0}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--pad)}
.wrap-narrow{max-width:820px}

/* The header is sticky, so anchor targets need to clear it. */
section[id]{scroll-margin-top:80px}

/* ---------- type ---------- */
.display{
  font-family:var(--display);
  font-weight:700;
  text-transform:uppercase;
  line-height:.92;
  letter-spacing:-.01em;
  margin:0;
}
.eyebrow{
  font-size:12px;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--g-500);margin:0 0 14px;
}
.eyebrow-light{color:var(--g-300)}
.accent{color:var(--red)}
.section-h{
  font-size:clamp(38px,7vw,74px);
  margin:0 0 40px;
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--body);font-size:16px;font-weight:700;
  letter-spacing:.01em;text-decoration:none;text-align:center;
  padding:16px 26px;border:2px solid transparent;border-radius:var(--radius);
  cursor:pointer;transition:background-color .18s var(--ease),color .18s var(--ease),border-color .18s var(--ease);
}
.btn-primary{background:var(--red);color:var(--white)}
.btn-primary:hover{background:var(--red-dark)}
.btn-primary[disabled]{
  background:transparent;color:var(--g-500);
  border-color:var(--g-150);cursor:not-allowed;
}
.btn-dark{background:var(--black);color:var(--white)}
.btn-dark:hover{background:var(--g-900)}
.btn-outline{background:transparent;color:var(--black);border-color:var(--black)}
.btn-outline:hover{background:var(--black);color:var(--white)}
.btn-ghost{
  background:transparent;color:var(--g-500);border-color:transparent;
  padding:16px 4px;font-weight:600;
}
.btn-ghost:hover{color:var(--black)}
.btn-sm{padding:10px 16px;font-size:14px}
.btn-block{width:100%}

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  background:var(--black);color:var(--white);
  position:sticky;top:0;z-index:50;
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:16px;min-height:68px;
}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none}
/* The logo file carries its own black background, matched to --black above,
   so it reads as a transparent mark without needing a cut-out PNG. */
.brand-mark{width:auto;height:34px}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-family:var(--display);font-weight:500;font-size:17px;text-transform:uppercase;letter-spacing:.06em}
.brand-sub{font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--g-300)}

.header-nav{display:flex;align-items:center;gap:26px}
/* padding, not margin, so each nav link clears the 24px minimum target height */
.header-nav a{
  font-size:14px;font-weight:500;text-decoration:none;color:var(--g-300);
  padding:11px 0;
}
.header-nav a:hover{color:var(--white)}
/* ---------- dropdown ---------- */
.nav-item{position:relative}
.nav-trigger{display:inline-flex;align-items:center;gap:5px}
/* CSS triangle rather than a ▾ glyph — the embedded font subsets are latin
   only, so an arrow character would fall back to tofu on the hosted build. */
.nav-caret{
  width:0;height:0;display:inline-block;
  border-left:4px solid transparent;border-right:4px solid transparent;
  border-top:5px solid currentColor;
  transition:transform .18s var(--ease);
}
.nav-item:hover .nav-caret,
.nav-item:focus-within .nav-caret{transform:rotate(180deg)}

.nav-menu{
  position:absolute;top:100%;left:-16px;z-index:60;
  min-width:236px;padding:10px 0;
  background:var(--white);border-top:3px solid var(--red);
  box-shadow:0 18px 44px rgba(0,0,0,.4);
  opacity:0;pointer-events:none;transform:translateY(-6px);
  transition:opacity .16s var(--ease),transform .16s var(--ease);
}
.nav-item:hover .nav-menu,
.nav-item:focus-within .nav-menu{opacity:1;pointer-events:auto;transform:none}

.nav-menu-head{
  font-family:var(--body);font-size:10px;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--g-500);
  padding:11px 18px 5px;
}
.nav-menu a{
  display:block;padding:8px 18px;font-size:14px;font-weight:500;
  color:var(--ink) !important;text-decoration:none;
}
.nav-menu a:hover{background:var(--g-050);color:var(--red) !important}
/* the menu sits on white, so the dark-header white focus ring would vanish */
.site-header .nav-menu :focus-visible{outline-color:var(--red)}

.header-phone{
  font-weight:700 !important;color:var(--white) !important;
  letter-spacing:.01em;white-space:nowrap;
  /* Vertical padding is what makes this a legal tap target: the text is only
     ~22px tall, under the WCAG 2.2 AA 24x24 minimum, and it's the primary
     mobile action once the CTA button is hidden below 560px. */
  padding:11px 4px;
}
.header-nav .btn{white-space:nowrap}
.header-nav .btn-primary{color:var(--white)}

/* ---------- mobile menu button (shown under 900px) ---------- */
.nav-toggle{
  display:none;align-items:center;gap:9px;
  background:transparent;border:2px solid var(--g-700);border-radius:var(--radius);
  color:var(--white);padding:12px 14px;cursor:pointer;min-height:44px;
  font-family:var(--body);font-size:13px;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
}
.nav-toggle:hover{border-color:var(--white)}
.nav-toggle-bars{display:flex;flex-direction:column;gap:4px;width:17px}
.nav-toggle-bars span{
  display:block;height:2px;background:currentColor;border-radius:2px;
  transition:transform .22s var(--ease),opacity .18s var(--ease);
}
/* bars morph into an X while open */
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ============================================================
   HERO
   ============================================================ */
.hero{background:var(--black);color:var(--white);padding:56px 0 72px;overflow:hidden}
.hero-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;
}
.hero-copy .eyebrow{color:var(--g-muted)}
.hero h1{
  font-size:clamp(54px,8.5vw,104px);
  margin:0 0 22px;
}
.hero-lede{
  font-size:clamp(17px,2vw,20px);color:var(--g-300);
  max-width:34ch;margin:0 0 28px;
}
.hero-points{display:grid;gap:9px;font-size:15px;color:var(--g-muted)}
.hero-points span{color:var(--red-bright);margin-right:8px}

/* ============================================================
   THE TOOL
   ============================================================ */
.tool-shell{position:relative}
.tool{
  background:var(--white);color:var(--ink);
  border-radius:var(--radius);
  box-shadow:0 24px 60px rgba(0,0,0,.45);
  overflow:hidden;
}
.tool-head{
  display:flex;align-items:baseline;justify-content:space-between;gap:12px;
  padding:20px 28px 14px;
}
.tool-label{
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:20px;letter-spacing:.04em;
}
.tool-step{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--g-500)}

.progress{height:3px;background:var(--g-150);margin:0 28px}
.progress-fill{
  height:100%;width:0;background:var(--red);
  transition:width .4s var(--ease);
}

.tool-body{padding:30px 28px 28px;min-height:394px;display:flex;flex-direction:column}

/* step enter/exit animation */
.step{display:flex;flex-direction:column;flex:1}
.step-anim{animation:stepIn .32s var(--ease) both}
@keyframes stepIn{
  from{opacity:0;transform:translateX(16px)}
  to{opacity:1;transform:none}
}
.tool-body.leaving .step{opacity:0;transform:translateX(-14px);transition:opacity .16s var(--ease),transform .16s var(--ease)}

.step-question{
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:clamp(26px,3.4vw,34px);line-height:1;letter-spacing:-.01em;
  margin:0 0 8px;
}
.step-help{font-size:14px;color:var(--g-500);margin:0 0 22px;max-width:44ch}

/* option cards — real radios, styled */
.options{display:grid;gap:10px;margin:0 0 24px}
.options.cols-2{grid-template-columns:1fr 1fr}
.opt{position:relative;display:block;height:100%}
.opt input{
  position:absolute;opacity:0;width:100%;height:100%;margin:0;cursor:pointer;
}
.opt-face{
  display:flex;align-items:center;gap:12px;
  border:2px solid var(--g-150);border-radius:var(--radius);
  padding:15px 16px;font-weight:600;font-size:16px;
  transition:border-color .15s var(--ease),background-color .15s var(--ease);
  min-height:56px;height:100%;
}
.opt-face .opt-note{display:block;font-weight:400;font-size:13px;color:var(--g-500);margin-top:2px}
.opt:hover .opt-face{border-color:var(--g-300)}
.opt input:checked + .opt-face{border-color:var(--red);background:#FDF2F2}
.opt input:focus-visible + .opt-face{outline:3px solid var(--red);outline-offset:2px}
.opt-tick{
  flex:0 0 20px;width:20px;height:20px;border:2px solid var(--g-300);border-radius:50%;
  position:relative;
}
.opt input:checked + .opt-face .opt-tick{border-color:var(--red)}
.opt input:checked + .opt-face .opt-tick::after{
  content:"";position:absolute;inset:3px;border-radius:50%;background:var(--red);
}
.opt-text{flex:1}

/* text fields */
.field{margin:0 0 16px}
.field label{display:block;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--g-700);margin:0 0 6px}
.field input[type=text],
.field input[type=email],
.field input[type=tel]{
  width:100%;font-family:var(--body);font-size:17px;
  padding:14px 14px;border:2px solid var(--g-150);border-radius:var(--radius);
  background:var(--white);color:var(--ink);
  transition:border-color .15s var(--ease);
}
.field .select{
  width:100%;max-width:260px;font-family:var(--body);font-size:17px;font-weight:600;
  padding:14px 40px 14px 14px;border:2px solid var(--g-150);border-radius:var(--radius);
  background:var(--white);color:var(--ink);cursor:pointer;
  -webkit-appearance:none;appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23141414' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;
}
.field .select:hover{border-color:var(--g-300)}
.field .select:focus-visible{border-color:var(--red);outline:3px solid rgba(225,27,34,.28)}
.field input:hover{border-color:var(--g-300)}
.field input:focus-visible{border-color:var(--red);outline:3px solid rgba(225,27,34,.28);outline-offset:0}
.field input[aria-invalid=true]{border-color:var(--red)}
.field-error{display:block;font-size:13px;font-weight:600;color:var(--red);margin-top:6px;text-transform:none;letter-spacing:0}
.zip-input{max-width:220px;letter-spacing:.24em;font-weight:700}

/* ---------- address blocks (Auto quote details) ---------- */
.addr-group{margin:0 0 4px}
.addr-legend{
  font-family:var(--body);font-size:11px;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--g-500);
  margin:0 0 12px;padding-bottom:8px;border-bottom:1px solid var(--g-150);
}
/* city / state / ZIP share a line on anything wider than a phone */
.field-row{display:grid;grid-template-columns:1fr 104px 96px;gap:10px}
.field-row .field{margin-bottom:16px}
/* the arrow's 40px right padding swallowed the 2-letter state code */
.field-row .select{max-width:none;padding-right:26px;background-position:right 8px center}
.field-row input{padding-left:12px;padding-right:8px}
.opt-tag{
  font-weight:400;letter-spacing:.02em;text-transform:none;color:var(--g-500);
}
/* a disabled mailing block should look inert, not just be inert */
.addr-group input:disabled,.addr-group select:disabled{
  background:var(--g-050);color:var(--g-500);cursor:not-allowed;
}

.consent{
  display:flex;gap:12px;align-items:flex-start;
  border-top:1px solid var(--g-150);padding-top:16px;margin:6px 0 18px;
}
.consent input{
  /* 24px, not 22 — WCAG 2.2 AA minimum target size */
  flex:0 0 24px;width:24px;height:24px;margin:0;accent-color:var(--red);cursor:pointer;
}
.consent label{font-size:13px;line-height:1.5;color:var(--g-500)}
.consent label b{color:var(--g-700)}

.step-actions{margin-top:auto;display:flex;align-items:center;gap:12px}
.step-actions .btn-primary{flex:1}
.form-note{font-size:12px;color:var(--g-500);margin-top:14px;line-height:1.5}

/* ---------- result screen ---------- */
.result{text-align:center;flex:1;display:flex;flex-direction:column}
.result-label{
  font-family:var(--display);font-weight:500;text-transform:uppercase;
  font-size:14px;letter-spacing:.22em;color:var(--g-500);margin:6px 0 10px;
}
.result-range{
  font-family:var(--display);font-weight:700;color:var(--red);
  font-size:clamp(46px,8vw,68px);line-height:1;letter-spacing:-.02em;
  margin:0 0 4px;
}
.result-range .per{font-size:.34em;color:var(--g-500);letter-spacing:.04em}
/* commercial path: a promise, not a price */
.result-headline{
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:clamp(24px,3.6vw,34px);line-height:1.03;letter-spacing:-.01em;
  color:var(--ink);margin:0 0 6px;text-wrap:balance;
}
.result-disclaimer strong{color:var(--ink)}
.result-basis{font-size:15px;color:var(--g-700);margin:12px auto 22px;max-width:38ch}
.result-ctas{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:20px}
.result-disclaimer{
  text-align:left;font-size:13px;line-height:1.55;color:var(--g-700);
  border-top:2px solid var(--black);padding-top:14px;margin-top:auto;
}
.result-restart{margin-top:14px}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust{background:var(--g-050);padding:44px 0;border-bottom:1px solid var(--g-150)}
.trust-h{
  font-family:var(--body);font-size:12px;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--g-500);
  text-align:center;margin:0 0 26px;
}
/* Carrier wordmarks. Set in the display face so they read as a considered
   list rather than a paragraph of names, and kept monochrome so the
   red/black/white palette holds. */
.carriers{
  display:grid;grid-template-columns:repeat(6,1fr);
  gap:18px 22px;align-items:center;
}
.carriers li{
  display:flex;align-items:center;justify-content:center;
  padding:14px 12px;border:1px solid var(--g-150);border-radius:var(--radius);
  background:var(--white);min-height:76px;
}
/* Greyscale by default so 18 competing brand palettes don't overwhelm a
   red/black/white page; true colour on hover for recognition. */
.carriers img{
  max-width:100%;max-height:44px;width:auto;height:auto;object-fit:contain;
  /* brightness pulls the inherently pale marks (Aspen, Great Lakes, Prime)
     up to the same visual weight as Chubb and Lloyd's */
  filter:grayscale(1) contrast(1.15) brightness(.88);opacity:.85;
  transition:filter .25s var(--ease),opacity .25s var(--ease);
}
.carriers li:hover img{filter:none;opacity:1}
@media (prefers-reduced-motion:reduce){
  .carriers img{transition:none}
}

/* proof points under the carrier row */
.proof{
  display:flex;flex-wrap:wrap;justify-content:center;gap:14px 46px;
  margin-top:30px;padding-top:26px;border-top:1px solid var(--g-150);
  font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  color:var(--g-500);text-align:center;
}
.proof-n{
  display:block;font-family:var(--display);font-weight:700;
  font-size:26px;letter-spacing:0;color:var(--red);margin-bottom:2px;
}

/* ============================================================
   AGENT CTA BAND
   ============================================================ */
.agent{background:var(--g-050);padding:80px 0}
.agent-inner{display:grid;grid-template-columns:280px 1fr;gap:48px;align-items:center}
.agent-photo{
  width:100%;height:auto;border-radius:var(--radius);
  border-bottom:4px solid var(--red);
}
.agent-copy h2{font-size:clamp(32px,5vw,52px);margin:0 0 14px}
.agent-copy > p{font-size:17px;color:var(--g-700);max-width:52ch;margin:0 0 20px}
.agent-name{
  font-size:15px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
  margin:0 0 24px !important;
}
.agent-name span{
  display:block;font-weight:400;font-size:13px;letter-spacing:.02em;
  text-transform:none;color:var(--g-500);margin-top:3px;
}
.agent-ctas{display:flex;flex-wrap:wrap;gap:12px}
.btn-outline-light{background:transparent;color:var(--ink);border-color:var(--g-300)}
.btn-outline-light:hover{background:var(--ink);color:var(--white);border-color:var(--ink)}

/* ============================================================
   MYTH VS REALITY  — the signature block
   ============================================================ */
.mvr{background:var(--black);color:var(--white);padding:96px 0}
.mvr .section-h{color:var(--white)}
.mvr .vs{color:var(--red)}

.mvr-table{position:relative;border-top:2px solid var(--g-900)}

/* the hard vertical rule, running the full height of the table */
.mvr-table::before{
  content:"";position:absolute;top:0;bottom:0;left:calc(38% - 1px);
  width:2px;background:var(--red);
}

.mvr-head{
  display:grid;grid-template-columns:38% 62%;
  padding:14px 0;border-bottom:1px solid var(--g-900);
}
.mvr-head p{
  font-size:11px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;
}
.mvr-head-l{color:var(--g-muted);padding-right:32px}
.mvr-head-r{color:var(--red-bright);padding-left:32px}

.mvr-row{
  display:grid;grid-template-columns:38% 62%;
  border-bottom:1px solid var(--g-900);
}
.myth{
  padding:26px 32px 26px 0;
  font-family:var(--display);font-weight:500;text-transform:uppercase;
  font-size:clamp(18px,2.1vw,24px);line-height:1.08;letter-spacing:.005em;
  color:var(--g-muted);
}
/* White, not red. Red passed AA here (5.5:1) but white is 20:1, and this is
   the longest stretch of body copy on the page — red type at 16px over six
   paragraphs is tiring to read. The red rule and the red "Reality" label
   still carry the myth-versus-reality signal. */
.reality{
  padding:26px 0 26px 32px;
  font-size:16px;line-height:1.6;font-weight:400;
  color:var(--white);
}

/* ============================================================
   COVERAGE
   ============================================================ */
.coverage{padding:96px 0}
.cov-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  border-top:2px solid var(--black);border-left:1px solid var(--g-150);
}
.cov-card{
  border-right:1px solid var(--g-150);border-bottom:1px solid var(--g-150);
  padding:30px 26px 34px;
  transition:background-color .2s var(--ease);
  /* clears the sticky header when jumped to from the dropdown */
  scroll-margin-top:96px;
}
.cov-card:hover{background:var(--g-050)}

/* Jumped to from the Coverage menu — briefly mark which card you landed on,
   otherwise the page just scrolls and nothing tells you it worked. */
.cov-card:target{background:var(--g-050);box-shadow:inset 4px 0 0 var(--red)}
#personal:target{box-shadow:inset 4px 0 0 var(--red);padding-left:14px}
@media (prefers-reduced-motion:no-preference){
  .cov-card:target{animation:landed 1.4s var(--ease) 1}
}
@keyframes landed{
  0%,55%{background:#FDF2F2}
  100%{background:var(--g-050)}
}
.cov-card h3{
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:26px;line-height:1.02;margin:0 0 10px;letter-spacing:-.005em;
  text-wrap:balance;
}
/* red rule under each heading — ties the grid to the accent without
   adding another colour or an icon set */
.cov-card h3::after{
  content:"";display:block;width:32px;height:3px;
  background:var(--red);margin:12px 0 0;
}
.cov-card p{font-size:15px;color:var(--g-700);margin-top:12px}

/* No negative margin here — it used to be -24px, which worked under
   .section-h (40px below it) but collided with .cov-sub (12px below).
   The pull-up is now scoped to the one case that needs it. */
.section-lede{
  font-size:17px;color:var(--g-700);max-width:62ch;margin:0 0 36px;
}
.section-h + .section-lede{margin-top:-24px}

/* personal lines — deliberately quieter than the commercial grid above */
.cov-sub{
  font-size:clamp(24px,3vw,34px);margin:64px 0 16px;
  padding-top:34px;border-top:2px solid var(--black);
}
.cov-list{
  display:grid;grid-template-columns:repeat(3,1fr);gap:2px;
  background:var(--g-150);border:1px solid var(--g-150);
}
.cov-list li{
  background:var(--white);padding:18px 20px;font-size:14px;color:var(--g-700);
}
.cov-list strong{
  display:block;font-family:var(--display);font-weight:500;
  text-transform:uppercase;letter-spacing:.04em;
  font-size:17px;color:var(--ink);margin-bottom:3px;
}

/* ============================================================
   WHAT WE INSURE — portfolio
   ============================================================ */
.work{padding:96px 0}
.work-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:4px;
}
.work-item{
  position:relative;overflow:hidden;background:var(--black);
  aspect-ratio:4/3;
}
/* A two-column item needs a proportionally wider ratio, or it renders twice
   as tall as its neighbours and the row rhythm collapses. */
.work-wide{grid-column:span 2;aspect-ratio:8/3}
.work-item img{
  width:100%;height:100%;object-fit:cover;
  transition:transform .5s var(--ease);
}
.work-item:hover img{transform:scale(1.05)}

/* caption sits on the image; the gradient is what keeps the type legible
   over whatever happens to be underneath it */
.work-cap{
  position:absolute;left:0;right:0;bottom:0;
  padding:34px 18px 16px;color:var(--white);font-size:13px;line-height:1.4;
  background:linear-gradient(to top,rgba(0,0,0,.92) 0%,rgba(0,0,0,.75) 45%,transparent 100%);
}
.work-line{
  display:block;font-family:var(--display);font-weight:700;
  text-transform:uppercase;font-size:17px;letter-spacing:.02em;
  line-height:1.05;margin-bottom:3px;
}
.work-line::after{
  content:"";display:block;width:26px;height:2px;
  background:var(--red);margin:7px 0 6px;
}
.work-note{color:var(--g-500);margin-top:20px}

/* ============================================================
   BUSINESS RISK TABLE
   ============================================================ */
.visually-hidden{
  position:absolute;width:1px;height:1px;overflow:hidden;
  clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;
}
.risks{background:var(--black);color:var(--white);padding:96px 0}
.risks .section-h{color:var(--white)}
.risks-lede{color:var(--g-300)}

/* wide content scrolls inside its own box, never the page body */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.risk-table{
  width:100%;border-collapse:collapse;min-width:520px;
  font-size:15px;text-align:left;
}
.risk-table th,.risk-table td{
  padding:16px 18px 16px 0;border-bottom:1px solid var(--g-900);
  vertical-align:middle;
}
.risk-table thead th{
  font-family:var(--body);font-size:11px;font-weight:700;
  letter-spacing:.2em;text-transform:uppercase;color:var(--g-muted);
  border-bottom:2px solid var(--g-700);padding-bottom:12px;
}
.risk-table tbody th{
  font-family:var(--display);font-weight:500;text-transform:uppercase;
  font-size:18px;letter-spacing:.02em;color:var(--white);
  line-height:1.1;width:34%;
}
.risk-table td{color:var(--g-300)}
.risk-table tbody tr:last-child th,
.risk-table tbody tr:last-child td{border-bottom:0}

/* exposure chips — severity encoded in weight and colour, not just words */
.lvl{
  display:inline-block;white-space:nowrap;
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:14px;letter-spacing:.06em;padding:5px 11px;border-radius:var(--radius);
}
.lvl-1{color:var(--g-300);border:1px solid var(--g-700)}
.lvl-2{color:var(--white);border:1px solid var(--g-500)}
.lvl-3{color:var(--red-bright);border:1px solid var(--red-dark)}
.lvl-4{color:var(--white);background:var(--red-dark)}
.lvl-5{color:var(--white);background:var(--red)}

.risks-note{
  margin-top:22px;font-size:13px;color:var(--g-muted);max-width:70ch;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how{background:var(--g-900);color:var(--white);padding:96px 0}
.how .section-h{color:var(--white)}
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--red)}
.how-step{padding:34px 34px 34px 0}
.how-step + .how-step{border-left:1px solid var(--g-700);padding-left:34px}
.how-num{
  font-family:var(--display);font-weight:700;font-size:56px;line-height:1;margin:0 0 12px;
}
.how-step h3{
  font-family:var(--display);font-weight:700;text-transform:uppercase;
  font-size:24px;line-height:1.05;margin:0 0 10px;
}
.how-step p{font-size:15px;color:var(--g-300)}

/* ============================================================
   REVIEWS
   ============================================================ */
.reviews{padding:96px 0}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rev-card{
  border:1px solid var(--g-150);border-top:3px solid var(--black);
  padding:26px 24px 24px;display:flex;flex-direction:column;
}
.rev-card blockquote{flex:1}
.rev-note{
  margin-top:26px;font-size:13px;color:var(--g-500);text-align:center;
}
.rev-card blockquote{margin:0 0 16px}
.rev-card blockquote p{font-size:17px;line-height:1.55}
.rev-by{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.rev-by span{display:block;font-weight:400;letter-spacing:.02em;color:var(--g-500);text-transform:none;margin-top:2px}

/* ============================================================
   FAQ
   ============================================================ */
.faq{padding:0 0 96px}
.faq-list{border-top:2px solid var(--black)}
.faq-item{border-bottom:1px solid var(--g-150)}
.faq-item summary{
  display:flex;align-items:flex-start;justify-content:space-between;gap:20px;
  list-style:none;cursor:pointer;padding:22px 2px;
  font-family:var(--display);font-weight:500;text-transform:uppercase;
  font-size:clamp(17px,2.2vw,21px);line-height:1.15;letter-spacing:.01em;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"+";flex:0 0 auto;color:var(--red);
  font-family:var(--display);font-size:28px;line-height:.8;
  transition:transform .2s var(--ease);
}
.faq-item[open] summary::after{content:"–";transform:rotate(0)}
.faq-item summary:hover{color:var(--red)}
.faq-a{padding:0 40px 24px 2px}
.faq-a p{font-size:16px;color:var(--g-700)}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:var(--black);color:var(--g-300);padding:72px 0 40px;font-size:15px}
.foot-top{display:grid;grid-template-columns:1fr 2fr;gap:48px;padding-bottom:48px;border-bottom:1px solid var(--g-900)}
.foot-brand{display:flex;flex-direction:column;gap:18px;align-items:flex-start}
.foot-brand img{width:200px;height:auto}
.foot-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.foot-col h2{
  font-family:var(--body);font-size:11px;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--g-muted);margin:0 0 14px;
}
.foot-col li + li{margin-top:1px}
/* inline-block + padding so each link clears the WCAG 2.2 AA 24px minimum
   target height; the padding replaces the old margin so spacing is unchanged. */
.foot-col a{text-decoration:none;display:inline-block;padding:5px 0}
.foot-col li{line-height:1.4}
.foot-col a:hover{color:var(--white);text-decoration:underline}
.foot-legal{padding-top:28px;display:grid;gap:14px}
.foot-legal p{font-size:13px;line-height:1.6;color:var(--g-500);max-width:88ch}
.foot-copy{font-size:12px}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:1080px){
  .hero-grid{gap:36px}
}

@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero{padding:44px 0 56px}
  .hero-lede{max-width:52ch}
  .hero-points{grid-template-columns:1fr}
  .carriers{grid-template-columns:repeat(3,1fr);gap:22px}
  .cov-grid{grid-template-columns:repeat(2,1fr)}
  .cov-list{grid-template-columns:repeat(2,1fr)}
  .work-grid{grid-template-columns:repeat(2,1fr)}
  .work-wide{grid-column:span 2}
  /* the dropdown becomes a plain link on touch — hover menus don't work there */
  /* ---------- mobile navigation ----------
     The desktop nav becomes a full-width panel under the header. The
     Coverage dropdown flattens into it, so every link is one tap away
     instead of hidden behind a hover menu that touch can't open. */
  .nav-toggle{display:inline-flex}
  .header-inner{position:relative}

  .header-nav{
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--black);border-top:1px solid var(--g-900);
    box-shadow:0 22px 40px rgba(0,0,0,.55);
    padding:6px 0 20px;
    max-height:calc(100dvh - 60px);overflow-y:auto;
    -webkit-overflow-scrolling:touch;
    display:none;
  }
  .site-header.nav-open .header-nav{display:flex}

  /* the hover dropdown flattens: always visible, no positioning */
  .nav-item{position:static}
  .nav-trigger{display:none}          /* redundant once the list is inline */
  .nav-caret{display:none}
  .nav-menu{
    position:static;opacity:1;pointer-events:auto;transform:none;
    background:transparent;box-shadow:none;border-top:0;
    min-width:0;padding:0;
  }
  .nav-menu a{color:var(--g-300) !important;padding:12px var(--pad);font-size:16px}
  .nav-menu a:hover{background:var(--g-900);color:var(--white) !important}
  .nav-menu-head{
    color:var(--g-muted);padding:16px var(--pad) 6px;
    border-top:1px solid var(--g-900);margin-top:6px;
    font-size:11px;                 /* 10px is tight on a phone */
  }
  .nav-menu li:first-child.nav-menu-head{border-top:0;margin-top:0}

  .header-nav > a:not(.btn){
    padding:12px var(--pad);font-size:16px;
    border-top:1px solid var(--g-900);
  }
  .header-nav .header-phone{
    font-size:19px !important;padding:16px var(--pad) !important;
  }
  .header-nav .btn{
    margin:12px var(--pad) 0;justify-content:center;padding:16px 20px;
  }
  .site-header .header-nav :focus-visible{outline-color:var(--white)}
  .how-grid{grid-template-columns:1fr;border-top:2px solid var(--red)}
  .how-step{padding:28px 0}
  .how-step + .how-step{border-left:0;border-top:1px solid var(--g-700);padding-left:0}
  .rev-grid{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr;gap:36px}
  .agent-inner{grid-template-columns:1fr;gap:28px;justify-items:start}
  .agent-photo{max-width:240px}
}

@media (max-width:760px){
  /* Myth vs Reality stacks: the vertical rule becomes a left rule on Reality */
  .mvr-table::before{display:none}
  .mvr-head{display:none}
  .mvr-row{grid-template-columns:1fr;padding:24px 0}
  .myth{padding:0 0 14px}
  .myth::before{
    content:"Myth";display:block;font-family:var(--body);font-size:11px;
    font-weight:700;letter-spacing:.22em;color:var(--g-700);margin-bottom:8px;
  }
  .reality{padding:0 0 0 18px;border-left:2px solid var(--red)}
  .reality::before{
    content:"Reality";display:block;font-family:var(--body);font-size:11px;
    font-weight:700;letter-spacing:.22em;color:var(--red);margin-bottom:8px;
  }
}

@media (max-width:640px){
  body{font-size:16px}
  .mvr,.coverage,.how,.reviews,.agent{padding:64px 0}
  .proof{gap:18px 30px}
  .agent-ctas .btn{width:100%}
  .faq{padding-bottom:64px}
  .cov-grid{grid-template-columns:1fr}
  .cov-list{grid-template-columns:1fr}
  /* ZIP next to a state select is too tight under ~640px */
  .field-row{grid-template-columns:1fr 1fr;gap:10px}
  .field-row .field:first-child{grid-column:1 / -1}
  .work{padding:64px 0}
  .work-grid{grid-template-columns:1fr}
  .work-wide{grid-column:span 1}
  .work-item{aspect-ratio:16/10}
  .section-lede{margin-top:-16px;font-size:16px}
  .options.cols-2{grid-template-columns:1fr}
  .result-ctas{grid-template-columns:1fr}
  .foot-cols{grid-template-columns:1fr 1fr}
}

/* Narrow phones: the wordmark and the "Check Your Rate" button both stop
   earning their space. The logo alone is recognizable, and the tool is
   directly below the header anyway — so keep tap-to-call as the one action. */
@media (max-width:560px){
  .brand-text{display:none}
  .header-inner{min-height:60px}
  .brand-mark{height:30px}
  .header-phone{font-size:15px}
}

@media (max-width:420px){
  :root{--pad:16px}
  .tool-head{padding:16px 18px 12px}
  .progress{margin:0 18px}
  .tool-body{padding:22px 18px 22px}
  .carriers{grid-template-columns:repeat(2,1fr)}
  .foot-cols{grid-template-columns:1fr}
  .hero{padding:32px 0 44px}
  .result-range{font-size:40px}
}

/* ============================================================
   REDUCED MOTION
   ============================================================ */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{
    animation-duration:.001ms !important;
    animation-iteration-count:1 !important;
    transition-duration:.001ms !important;
    scroll-behavior:auto !important;
  }
  .step-anim{animation:none}
  .tool-body.leaving .step{opacity:1;transform:none}
}

/* ============================================================
   PRINT — let people keep their estimate
   ============================================================ */
@media print{
  .site-header,.trust,.mvr,.coverage,.how,.reviews,.faq,.hero-points{display:none}
  .hero,.site-footer{background:#fff;color:#000}
  .tool{box-shadow:none;border:1px solid #000}
  .result-range{color:#000}
}