/* Keegan Insurance Solutions — site styles */
:root {
  --navy: #002755;        /* sampled from logo */
  --navy-deep: #001a3b;
  --silver: #c9ced6;
  --silver-soft: #e3e7ed;
  --paper: #f5f7fa;
  --ink: #14213a;
  --muted: #4a5670;
  --brass: #b08d57;
  --brass-dark: #7d6034;
  --white: #ffffff;
  --error: #a3271f;

  --serif: "Spectral", Georgia, "Times New Roman", serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --wrap: 68rem;
  --radius: 4px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: var(--brass-dark); }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 3px; }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
  margin: 0 0 0.6em;
  letter-spacing: -0.005em;
}
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.2rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; max-width: 65ch; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 1.25rem; }
.skip { position: absolute; left: -999px; top: 0; background: var(--white); padding: .5rem 1rem; z-index: 100; }
.skip:focus { left: 1rem; }

/* ---------- Header ---------- */
.site-header { background: var(--navy); color: var(--white); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: .75rem; padding-bottom: .75rem; }
.brand img { width: 190px; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--silver); color: var(--white);
  font: inherit; font-size: .95rem; padding: .45rem .8rem; border-radius: var(--radius); cursor: pointer;
}
.nav ul { list-style: none; display: flex; gap: 1.5rem; margin: 0; padding: 0; align-items: center; }
.nav a { color: var(--silver-soft); text-decoration: none; font-size: .98rem; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--white); text-decoration: underline; text-decoration-color: var(--brass); text-decoration-thickness: 2px; }
.nav .btn { color: var(--navy-deep); text-decoration: none; }

@media (max-width: 860px) {
  .nav-toggle { display: inline-block; }
  .nav { display: none; width: 100%; }
  .nav.open { display: block; }
  .site-header .wrap { flex-wrap: wrap; }
  .nav ul { flex-direction: column; align-items: flex-start; gap: .25rem; padding: .5rem 0 .75rem; }
  .nav a { display: block; padding: .5rem 0; font-size: 1.05rem; }
  .brand img { width: 160px; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; background: var(--brass); color: var(--navy-deep);
  font-family: var(--sans); font-weight: 600; font-size: 1rem;
  padding: .8rem 1.4rem; border-radius: var(--radius); border: 0; cursor: pointer; text-decoration: none;
}
.btn:hover { background: #c19d66; color: var(--navy-deep); }
.btn-ghost { background: transparent; color: var(--white); border: 1px solid var(--silver); }
.btn-ghost:hover { background: rgba(255,255,255,.08); color: var(--white); }

/* ---------- Hero (home) ---------- */
.hero { background: var(--navy); color: var(--white); padding: 4.5rem 0 5rem; position: relative; overflow: hidden; }
.hero h1 { color: var(--white); max-width: 18ch; }
.hero .rule { width: 7rem; height: 1px; background: var(--silver); margin: 1.6rem 0; }
.hero p { color: var(--silver-soft); font-size: 1.15rem; max-width: 46ch; }
.hero .actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.8rem; }
.hero-mark {
  position: absolute; right: -4rem; top: 50%; transform: translateY(-50%);
  width: 30rem; opacity: .07; pointer-events: none;
}
@media (max-width: 860px) { .hero-mark { width: 18rem; right: -5rem; top: auto; bottom: -4rem; transform: none; } }

/* ---------- Page header (inner pages) ---------- */
.page-head { background: var(--navy); color: var(--white); padding: 3rem 0 3.25rem; }
.page-head h1 { color: var(--white); margin-bottom: .4em; }
.page-head p { color: var(--silver-soft); font-size: 1.1rem; margin: 0; }

/* ---------- Sections ---------- */
.section { padding: 4rem 0; }
.section.alt { background: var(--white); border-top: 1px solid var(--silver-soft); border-bottom: 1px solid var(--silver-soft); }
.lede { font-size: 1.15rem; color: var(--muted); }

/* Coverage list: ruled rows, not cards */
.coverage { list-style: none; padding: 0; margin: 2rem 0 0; border-top: 1px solid var(--silver); }
.coverage li { display: grid; grid-template-columns: 14rem 1fr; gap: 1.5rem; padding: 1.5rem 0; border-bottom: 1px solid var(--silver); }
.coverage h3 { margin: 0; }
.coverage p { margin: 0 0 .4rem; }
@media (max-width: 700px) { .coverage li { grid-template-columns: 1fr; gap: .4rem; } }

/* Steps: a real sequence */
.steps { list-style: none; counter-reset: step; padding: 0; margin: 2rem 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.steps li { counter-increment: step; border-top: 2px solid var(--navy); padding-top: 1rem; }
.steps li::before { content: counter(step); font-family: var(--serif); font-size: 1.8rem; color: var(--brass-dark); display: block; line-height: 1; margin-bottom: .5rem; }
.steps strong { display: block; font-size: 1.05rem; margin-bottom: .25rem; }
.steps p { font-size: .98rem; color: var(--muted); margin: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }

/* Two-column text + aside */
.split { display: grid; grid-template-columns: 1.4fr 1fr; gap: 3rem; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 2rem; } }

.prose h2 { margin-top: 2.2rem; }
.prose h2:first-child { margin-top: 0; }
.prose ul { padding-left: 1.2rem; max-width: 65ch; }
.prose li { margin-bottom: .4rem; }

.note { background: var(--white); border-left: 3px solid var(--brass); padding: 1.25rem 1.4rem; }
.note p:last-child { margin-bottom: 0; }

/* Headshot placeholder */
.headshot {
  aspect-ratio: 4 / 5; max-width: 22rem; width: 100%; background: var(--silver-soft); border: 1px dashed var(--muted);
  display: grid; place-items: center; color: var(--muted); font-size: .95rem; text-align: center; padding: 1rem;
}

/* CTA band */
.cta-band { background: var(--navy-deep); color: var(--white); padding: 3.5rem 0; }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.5rem; }
.cta-band h2 { color: var(--white); margin: 0 0 .3em; }
.cta-band p { color: var(--silver); margin: 0; }

/* ---------- Form ---------- */
.form { background: var(--white); border: 1px solid var(--silver); padding: 2rem; border-radius: var(--radius); max-width: 40rem; }
.field { margin-bottom: 1.2rem; }
.field label, .field legend { display: block; font-weight: 600; margin-bottom: .35rem; }
.field .hint { font-weight: 400; color: var(--muted); font-size: .92rem; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field select {
  width: 100%; font: inherit; padding: .7rem .8rem; border: 1px solid #9aa3b2; border-radius: var(--radius); background: var(--white); color: var(--ink);
}
.field input:focus, .field select:focus { outline: 3px solid var(--brass); outline-offset: 1px; border-color: var(--navy); }
fieldset.field { border: 0; padding: 0; margin: 0 0 1.2rem; }
.choices { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; }
.choices label { font-weight: 400; display: flex; align-items: center; gap: .4rem; margin: 0; }
.choices input { width: 1.1rem; height: 1.1rem; accent-color: var(--navy); }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 1rem; }
@media (max-width: 560px) { .row-2 { grid-template-columns: 1fr; } .form { padding: 1.25rem; } }
.field .consent { font-weight: 400; }
.consent { display: flex; gap: .6rem; align-items: flex-start; font-size: .92rem; color: var(--muted); }
.consent input { margin-top: .25rem; width: 1.1rem; height: 1.1rem; flex: none; accent-color: var(--navy); }
.hp { position: absolute; left: -9999px; }
.form-status { margin-top: 1rem; font-weight: 600; }
.form-status.error { color: var(--error); }
.form-done h2 { margin-bottom: .3em; }
[hidden] { display: none !important; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--silver); font-size: .95rem; padding: 3rem 0 2rem; }
.site-footer a { color: var(--silver-soft); overflow-wrap: anywhere; }
.site-footer a:hover { color: var(--white); }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 2rem; }
.footer-grid img { width: 170px; margin-bottom: 1rem; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: .4rem; }
.footer-grid h2 { font-size: 1.05rem; color: var(--white); font-family: var(--sans); font-weight: 600; margin-bottom: .7rem; }
.legal { border-top: 1px solid rgba(201,206,214,.3); margin-top: 2rem; padding-top: 1.25rem; font-size: .85rem; }
.legal p { max-width: none; margin-bottom: .4rem; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }

@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto !important; transition: none !important; } }