/* ================================================================
   Always Affordable Insurance — site.css
   Palette: warm parchment sheet + slate-blue nav band
   Accent derived from button image: soft sky-blue gradient
   ================================================================ */

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --sheet-bg:#ebe6df;
  --sheet-ink:#292524;
  --sheet-muted:#78716c;
  --sheet-muted2:#a8a29e;
  --card-white:#fdfcfa;
  --stroke:rgba(41,37,36,.12);
  --stroke-strong:rgba(41,37,36,.2);

  /* Sky-blue accent family (matched to "Start online" button) */
  --accent:#4a90e2;
  --accent-deep:#3b7dd8;
  --accent-light:#7eb6f6;
  --accent-pale:#b8d8fb;
  --accent-soft:rgba(74,144,226,.12);
  --accent-ring:rgba(59,125,216,.22);
  --accent-gradient:linear-gradient(135deg,#7eb6f6,#4a90e2);

  --nav-band:linear-gradient(180deg,#1e3a5f 0%,#152a45 100%);
  --nav-text:#f0f7ff;
  --nav-muted:rgba(240,247,255,.72);

  --radius:14px;
  --radius-sm:10px;
  --safe-bottom:env(safe-area-inset-bottom,0px);
}

html{scroll-behavior:smooth}

body{
  font-family:Figtree,system-ui,sans-serif;
  font-weight:400;
  line-height:1.65;
  color:var(--sheet-ink);
  background:var(--sheet-bg);
  min-height:100dvh;
  -webkit-font-smoothing:antialiased;
}

/* subtle paper texture */
body::before{
  content:"";position:fixed;inset:0;pointer-events:none;z-index:0;opacity:.3;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.04'/%3E%3C/svg%3E");
}

.page-wrap{
  position:relative;z-index:1;
  max-width:1120px;margin:0 auto;
  padding:0 22px calc(48px + var(--safe-bottom));
}

/* ================================================================
   NAV
   ================================================================ */

.site-nav{
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:14px 20px;margin:16px -8px 0;
  border-radius:var(--radius);
  background:var(--nav-band);
  border:1px solid rgba(147,197,253,.12);
  box-shadow:0 12px 40px rgba(21,42,69,.18);
  position:relative;
}

.logo-nav{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--nav-text);flex-shrink:0}
.logo-mark-sm{
  min-width:42px;height:40px;padding:0 8px;border-radius:var(--radius-sm);
  background:rgba(147,197,253,.15);border:1px solid rgba(147,197,253,.35);
  display:flex;align-items:center;justify-content:center;
  font-family:"Newsreader",Georgia,serif;font-weight:700;font-size:12px;
  letter-spacing:.05em;color:var(--accent-light);
}
.logo-nav-text{display:flex;flex-direction:column;line-height:1.08}
.logo-nav-name{font-family:"Newsreader",Georgia,serif;font-size:17px;font-weight:600}
.logo-nav-tag{font-size:9px;letter-spacing:.22em;text-transform:uppercase;color:var(--accent-light);margin-top:3px}

.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:6px;flex-direction:column;gap:5px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--nav-text);border-radius:2px;transition:transform .25s,opacity .25s}

.nav-links{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.nav-links a{
  font-size:13px;font-weight:500;color:var(--nav-muted);text-decoration:none;
  padding:8px 12px;border-radius:999px;transition:color .2s,background .2s;
}
.nav-links a:hover,.nav-links a.active{color:var(--nav-text);background:rgba(255,255,255,.08)}

.nav-links .btn-cta{
  background:var(--accent-gradient);color:#0c2d5a;font-weight:700;
  padding:10px 20px;box-shadow:0 6px 20px rgba(74,144,226,.35);
  border:1px solid rgba(126,182,246,.4);
}
.nav-links .btn-cta:hover{filter:brightness(1.08);color:#0c2d5a;background:var(--accent-gradient)}

/* ================================================================
   HERO
   ================================================================ */

.hero{padding:56px 0 44px}
.hero-grid{display:grid;gap:36px;align-items:start}
@media(min-width:880px){.hero-grid{grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}}

.hero-eyebrow{
  font-size:10px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;
  color:var(--accent-deep);margin-bottom:12px;
}
.hero h1{
  font-family:"Newsreader",Georgia,serif;font-size:clamp(34px,5vw,56px);
  font-weight:700;line-height:1.06;margin-bottom:18px;color:var(--sheet-ink);
}
.hero-lede{font-size:17px;color:var(--sheet-muted);max-width:540px;margin-bottom:28px;line-height:1.7}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}

.btn-primary{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--accent-gradient);color:#fff;font-weight:700;
  text-decoration:none;padding:15px 28px;border-radius:var(--radius-sm);
  box-shadow:0 10px 28px rgba(74,144,226,.32);
  transition:transform .15s,box-shadow .15s;border:none;cursor:pointer;font-family:inherit;font-size:15px;
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(74,144,226,.4)}

.btn-secondary{
  display:inline-flex;align-items:center;padding:14px 22px;
  border-radius:var(--radius-sm);border:2px solid var(--stroke-strong);
  color:var(--sheet-muted);text-decoration:none;font-size:14px;font-weight:600;
  transition:color .2s,border-color .2s;
}
.btn-secondary:hover{color:var(--sheet-ink);border-color:var(--accent)}

/* Hero card */
.hero-card{
  background:var(--card-white);border:2px solid var(--stroke);
  border-radius:18px;padding:28px 26px;
  box-shadow:0 4px 36px rgba(30,58,95,.07);
}
.hero-card h2{
  font-family:"Newsreader",Georgia,serif;font-size:21px;font-weight:700;
  margin-bottom:14px;padding-bottom:12px;border-bottom:1px dashed var(--stroke-strong);
}
.hero-card ul{list-style:none;display:grid;gap:12px;margin-bottom:22px}
.hero-card li{
  font-size:14px;color:var(--sheet-muted);padding-left:20px;position:relative;line-height:1.6;
}
.hero-card li::before{
  content:"";width:7px;height:7px;border-radius:2px;background:var(--accent);
  position:absolute;left:0;top:9px;opacity:.85;
}
.hero-meta{font-size:12px;color:var(--sheet-muted2);padding-top:14px;border-top:1px dashed var(--stroke-strong)}

/* ================================================================
   SECTIONS (generic)
   ================================================================ */

.section{padding:48px 0}
.section h2{
  font-family:"Newsreader",Georgia,serif;font-size:clamp(26px,3.5vw,40px);
  font-weight:700;margin-bottom:12px;
}
.section-intro{color:var(--sheet-muted);max-width:640px;margin-bottom:28px;font-size:15px;line-height:1.7}

.section-eyebrow{
  font-size:10px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;
  color:var(--accent-deep);margin-bottom:10px;
}

/* Card grid */
.card-grid{display:grid;gap:16px}
@media(min-width:720px){.card-grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:720px){.card-grid.cols-2{grid-template-columns:repeat(2,1fr)}}

.card{
  background:var(--card-white);border:2px solid var(--stroke);
  border-radius:var(--radius);padding:24px 22px;
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.card:hover{border-color:rgba(74,144,226,.28);box-shadow:0 8px 28px rgba(30,58,95,.06);transform:translateY(-2px)}
.card h3{font-family:"Newsreader",Georgia,serif;font-size:19px;font-weight:700;margin-bottom:8px}
.card p{font-size:14px;color:var(--sheet-muted);line-height:1.65}
.card .card-icon{
  width:44px;height:44px;border-radius:12px;background:var(--accent-soft);
  display:flex;align-items:center;justify-content:center;margin-bottom:14px;
  color:var(--accent-deep);font-size:20px;
}

/* ================================================================
   TRUST BAR / STATS
   ================================================================ */

.trust-bar{
  display:flex;flex-wrap:wrap;gap:20px 40px;
  padding:28px 0;margin-top:8px;
  border-top:2px dashed var(--stroke-strong);
  border-bottom:2px dashed var(--stroke-strong);
}
.trust-item{display:flex;align-items:center;gap:12px}
.trust-num{
  font-family:"Newsreader",Georgia,serif;font-size:28px;font-weight:700;color:var(--accent-deep);
  line-height:1;
}
.trust-label{font-size:13px;color:var(--sheet-muted);line-height:1.35;max-width:140px}

/* ================================================================
   CTA BANNER
   ================================================================ */

.cta-banner{
  background:var(--nav-band);border-radius:18px;
  padding:40px 36px;color:var(--nav-text);
  display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:20px;
  margin:8px 0;
  border:1px solid rgba(147,197,253,.12);
  box-shadow:0 12px 40px rgba(21,42,69,.18);
}
.cta-banner h2{
  font-family:"Newsreader",Georgia,serif;font-size:clamp(22px,3vw,32px);font-weight:700;
  margin-bottom:6px;
}
.cta-banner p{color:var(--nav-muted);font-size:15px;max-width:460px}
.cta-banner .btn-primary{
  background:var(--accent-gradient);color:#0c2d5a;
  box-shadow:0 8px 24px rgba(74,144,226,.4);
}

/* ================================================================
   SERVICE / INNER PAGES
   ================================================================ */

.inner-page{padding:40px 0 48px;max-width:780px}
.inner-page h1{
  font-family:"Newsreader",Georgia,serif;font-size:clamp(30px,4.5vw,46px);
  font-weight:700;margin-bottom:8px;line-height:1.1;
}
.inner-page .page-subtitle{font-size:17px;color:var(--sheet-muted);margin-bottom:28px;line-height:1.7}
.inner-page p{margin-bottom:16px;color:var(--sheet-muted);font-size:15px;line-height:1.75}
.inner-page h2{
  font-family:"Newsreader",Georgia,serif;font-size:clamp(22px,3vw,30px);
  font-weight:700;margin:36px 0 12px;color:var(--sheet-ink);
}
.inner-page h3{
  font-family:"Newsreader",Georgia,serif;font-size:20px;
  font-weight:700;margin:24px 0 8px;color:var(--sheet-ink);
}
.inner-page strong{color:var(--sheet-ink)}
.inner-page a{color:var(--accent-deep);font-weight:500}
.inner-page a:hover{text-decoration:underline}

/* Contact block */
.contact-block{
  margin-top:28px;padding:24px;background:var(--card-white);
  border:2px solid var(--stroke);border-radius:var(--radius);
  border-left:5px solid var(--accent-deep);
}
.contact-block p{margin-bottom:10px}
.contact-block p:last-child{margin-bottom:0}
.contact-block strong{color:var(--sheet-ink)}

/* Service page highlights */
.highlight-box{
  background:var(--accent-soft);border:1px solid rgba(74,144,226,.18);
  border-radius:var(--radius);padding:22px 24px;margin:24px 0;
}
.highlight-box p{color:var(--sheet-ink);margin-bottom:0}

/* Service features inline */
.feature-list{
  display:grid;gap:12px;margin:20px 0 28px;
}
.feature-list .feat{
  display:flex;align-items:flex-start;gap:14px;
  padding:16px 18px;background:var(--card-white);
  border:1px solid var(--stroke);border-radius:var(--radius-sm);
}
.feat-icon{
  flex-shrink:0;width:36px;height:36px;border-radius:10px;
  background:var(--accent-soft);color:var(--accent-deep);
  display:flex;align-items:center;justify-content:center;font-size:16px;
}
.feat-text strong{display:block;font-size:14px;margin-bottom:2px;color:var(--sheet-ink)}
.feat-text span{font-size:13px;color:var(--sheet-muted);line-height:1.55}

/* ================================================================
   FAQ ACCORDION
   ================================================================ */

.faq-list{display:grid;gap:10px;margin:20px 0 32px}
.faq-item{
  background:var(--card-white);border:2px solid var(--stroke);border-radius:var(--radius-sm);
  overflow:hidden;
}
.faq-q{
  width:100%;background:none;border:none;cursor:pointer;
  font-family:inherit;font-size:15px;font-weight:600;color:var(--sheet-ink);
  text-align:left;padding:16px 20px;display:flex;justify-content:space-between;align-items:center;gap:12px;
}
.faq-q::after{content:"+";font-size:20px;color:var(--accent);transition:transform .25s;flex-shrink:0}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{
  max-height:0;overflow:hidden;transition:max-height .35s ease;
  padding:0 20px;font-size:14px;color:var(--sheet-muted);line-height:1.7;
}
.faq-item.open .faq-a{max-height:600px;padding:0 20px 18px}

/* ================================================================
   FOOTER
   ================================================================ */

.footer{
  margin-top:56px;padding-top:40px;
  border-top:2px dashed var(--stroke-strong);
}
.footer-grid{
  display:grid;gap:32px 24px;
  grid-template-columns:1.4fr repeat(3,1fr);
  margin-bottom:28px;
}
.footer-tagline{font-size:13px;color:var(--sheet-muted);line-height:1.6;max-width:240px}
.footer-col h4{
  font-family:"Newsreader",Georgia,serif;font-size:14px;font-weight:700;
  color:var(--sheet-ink);margin-bottom:10px;
}
.footer-col a,.footer-col span{
  display:block;font-size:13px;color:var(--sheet-muted);text-decoration:none;
  margin-bottom:6px;line-height:1.45;
}
.footer-col a:hover{color:var(--accent-deep)}
.footer-addr,.footer-hours{font-size:12px!important;color:var(--sheet-muted2)!important}
.footer-bottom{
  display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;
  padding-top:20px;border-top:1px solid var(--stroke);
  font-size:12px;color:var(--sheet-muted2);
}

/* ================================================================
   RESPONSIVE
   ================================================================ */

@media(max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px 20px}
}

@media(max-width:640px){
  .site-nav{flex-wrap:wrap;padding:14px 16px;margin-top:8px}
  .nav-toggle{display:flex}
  .nav-links{
    display:none;flex-direction:column;align-items:stretch;width:100%;
    gap:2px;margin-top:12px;
  }
  .site-nav.nav-open .nav-links{display:flex}
  .site-nav.nav-open .nav-toggle span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
  .site-nav.nav-open .nav-toggle span:nth-child(2){opacity:0}
  .site-nav.nav-open .nav-toggle span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
  .nav-links a{padding:10px 12px;border-radius:var(--radius-sm)}
  .nav-links .btn-cta{text-align:center;justify-content:center;margin-top:4px}

  .hero{padding-top:32px}
  .footer-grid{grid-template-columns:1fr}
  .cta-banner{padding:28px 22px}
  .trust-bar{gap:16px 28px}
}

/* ================================================================
   ANIMATIONS
   ================================================================ */

@keyframes fadeUp{
  from{opacity:0;transform:translateY(18px)}
  to{opacity:1;transform:translateY(0)}
}
.fade-up{animation:fadeUp .6s cubic-bezier(.22,1,.36,1) both}
.fade-up-d1{animation-delay:.08s}
.fade-up-d2{animation-delay:.16s}
.fade-up-d3{animation-delay:.24s}
.fade-up-d4{animation-delay:.32s}

/* ================================================================
   GOOGLE MAP EMBED
   ================================================================ */
.map-embed{
  border-radius:var(--radius);overflow:hidden;border:2px solid var(--stroke);
  margin:24px 0;
}
.map-embed iframe{display:block;width:100%;height:320px;border:0}