/* =========================================================================
   Raheem Lucio Insurance Agency — Farmers brand palette
   Edit the variables below only if your official brand kit changes.
   ========================================================================= */

:root {
  --navy: #00276E;         /* Farmers Dark Blue */
  --navy-ink: #0a1c40;     /* derived, for body copy on light backgrounds */
  --pink: #FEC6E9;         /* Farmers Pink */
  --bright-blue: #DAE7FF;  /* Farmers Bright Blue */
  --magenta: #D40163;      /* Farmers Magenta — primary CTA color */
  --mid-magenta: #E34692;  /* Farmers Mid Magenta — hover / secondary accent */
  --white: #FFFFFF;

  --muted: #55618A;
  --line: #E1E6F5;
  --bg: #FFFFFF;

  --radius: 14px;
  --shadow-sm: 0 1px 2px rgba(0, 39, 110, 0.07);
  --shadow-lg: 0 18px 40px rgba(0, 39, 110, 0.14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--navy-ink);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  line-height: 1.6;
  font-size: 16px;
}

h1, h2, h3, h4 {
  font-family: 'Sora', 'Inter', sans-serif;
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 14px;
}
p { margin: 0 0 14px; }
a { color: var(--navy); text-decoration-color: rgba(0,39,110,0.35); }
img { max-width: 100%; display: block; }

.wrap { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: 12px 18px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ---------------------------------------------------------------------
   Header
   --------------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: #fff; border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; padding: 16px 24px;
}
.brand { display: flex; align-items: baseline; gap: 12px; text-decoration: none; }
.brand-name { font-family: 'Sora', sans-serif; font-weight: 700; font-size: 19px; color: var(--navy); }
.brand-divider { width: 1px; height: 16px; background: var(--line); }
.brand-tagline { font-size: 13px; color: var(--muted); font-weight: 500; }

.main-nav { display: flex; gap: 28px; }
.main-nav a { font-size: 14.5px; font-weight: 500; color: var(--navy-ink); text-decoration: none; }
.main-nav a:hover { color: var(--magenta); }

.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { display: flex; flex-direction: column; text-decoration: none; text-align: right; }
.phone-label { font-size: 10.5px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
.phone-number { font-weight: 700; font-size: 15.5px; color: var(--navy); }
.header-cta {
  background: var(--magenta); color: #fff; font-weight: 600; font-size: 14.5px;
  padding: 10px 20px; border-radius: 999px; text-decoration: none; white-space: nowrap;
}
.header-cta:hover { background: var(--mid-magenta); }

@media (max-width: 900px) {
  .main-nav { display: none; }
}
@media (max-width: 620px) {
  .header-phone { display: none; }
}

/* ---------------------------------------------------------------------
   Hero
   --------------------------------------------------------------------- */
.hero {
  background: var(--pink);
  overflow: hidden;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 1fr; align-items: center;
  min-height: 560px; gap: 32px;
}
.hero-copy { padding: 64px 0; max-width: 540px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  color: var(--magenta); margin-bottom: 16px;
}
.eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--magenta); }
.hero-copy h1 { font-size: clamp(30px, 3.6vw, 44px); color: var(--navy); }
.hero-sub { font-size: 18px; color: var(--navy-ink); max-width: 48ch; }

.hero-ctas { display: flex; gap: 14px; margin: 22px 0 28px; flex-wrap: wrap; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 999px; font-weight: 700; font-size: 15.5px;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--magenta); color: #fff; }
.btn-primary:hover { background: var(--mid-magenta); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }

.trust-bullets { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.trust-bullets li { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; color: var(--navy-ink); font-weight: 500; }
.trust-bullets li::before { content: "✓"; color: var(--magenta); font-weight: 800; flex: none; }

.hero-visual { height: 100%; min-height: 480px; position: relative; }
.hero-visual img { width: 100%; height: 100%; object-fit: cover; object-position: left center; }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; min-height: 0; }
  .hero-copy { padding: 40px 0 0; max-width: none; }
  .hero-visual { min-height: 260px; order: -1; margin: 0 -24px; width: calc(100% + 48px); }
}

/* ---------------------------------------------------------------------
   Trust strip
   --------------------------------------------------------------------- */
.trust-strip { background: var(--navy); color: #fff; padding: 16px 0; }
.trust-strip .wrap {
  display: flex; flex-wrap: wrap; gap: 12px 32px; justify-content: center;
  font-size: 13.5px; font-weight: 600; letter-spacing: .01em;
}
.trust-strip span { color: var(--bright-blue); }

/* ---------------------------------------------------------------------
   Quote section / form
   --------------------------------------------------------------------- */
.quote-section { padding: 72px 0; }
.quote-section-inner { display: grid; grid-template-columns: 1fr 1.15fr; gap: 48px; align-items: start; }
.quote-intro h2 { font-size: 28px; }
.quote-intro p { color: var(--muted); font-size: 16px; max-width: 42ch; }
.how-it-works { list-style: none; margin: 24px 0 0; padding: 0; display: flex; flex-direction: column; gap: 18px; }
.how-it-works li { display: flex; gap: 14px; }
.step-num {
  flex: none; width: 30px; height: 30px; border-radius: 50%;
  background: var(--bright-blue); color: var(--navy); font-weight: 700; font-size: 14px;
  display: flex; align-items: center; justify-content: center;
}
.how-it-works h3 { font-size: 15.5px; margin: 0 0 3px; }
.how-it-works p { font-size: 14px; color: var(--muted); margin: 0; }

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 30px;
}
.form-card h2 { font-size: 21px; margin-bottom: 4px; }
.form-card .form-sub { font-size: 14px; color: var(--muted); margin-bottom: 20px; }

.field-row { margin-bottom: 16px; }
.field-row.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label, .group-label {
  display: block; font-size: 13.5px; font-weight: 600; color: var(--navy);
  margin-bottom: 6px;
}
input[type="text"], input[type="tel"], input[type="email"], input[type="date"],
select, textarea {
  width: 100%; padding: 11px 13px; border: 1px solid var(--line); border-radius: 8px;
  font-size: 15px; font-family: inherit; color: var(--navy-ink); background: #fff;
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--magenta); outline-offset: 1px; border-color: var(--magenta);
}
textarea { resize: vertical; }

.radio-group, .checkbox-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.checkbox-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.radio-pill, .checkbox-pill {
  display: flex; align-items: center; gap: 8px;
  border: 1px solid var(--line); border-radius: 999px; padding: 8px 14px;
  font-size: 14px; font-weight: 500; cursor: pointer; background: #fff;
}
.radio-pill:has(input:checked), .checkbox-pill:has(input:checked) {
  border-color: var(--magenta); background: #fdf0f6; color: var(--magenta);
}
.radio-pill input, .checkbox-pill input { margin: 0; accent-color: var(--magenta); }

.consent-row { margin-top: 20px; }
.consent-label { display: flex; gap: 10px; align-items: flex-start; cursor: pointer; }
.consent-label input { margin-top: 3px; flex: none; accent-color: var(--magenta); }
.consent-label span { font-size: 12.5px; color: var(--muted); font-weight: 400; }

.submit-btn {
  width: 100%; padding: 15px 20px; margin-top: 6px;
  background: var(--magenta); color: #fff; border: none; border-radius: 999px;
  font-size: 16px; font-weight: 700; cursor: pointer; font-family: inherit;
}
.submit-btn:hover { background: var(--mid-magenta); }
.micro-disclaimer { font-size: 12px; color: var(--muted); text-align: center; margin-top: 10px; }

.form-errors {
  background: #fdeceb; border: 1px solid #f0b8b3; color: #8c2f27;
  border-radius: 8px; padding: 14px 16px; margin-bottom: 16px; font-size: 14px;
}
.form-errors ul { margin: 6px 0 0; padding-left: 18px; }

.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

@media (max-width: 900px) {
  .quote-section-inner { grid-template-columns: 1fr; }
  .field-row.two-col, .checkbox-grid { grid-template-columns: 1fr; }
}

/* ---------------------------------------------------------------------
   Insurance products
   --------------------------------------------------------------------- */
.products-section { background: var(--bright-blue); padding: 72px 0; }
.section-heading { max-width: 60ch; margin: 0 auto 40px; text-align: center; }
.section-heading h2 { font-size: 30px; }
.section-heading p { color: var(--muted); font-size: 16.5px; }

.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.product-card {
  background: #fff; border-radius: var(--radius); padding: 26px;
  box-shadow: var(--shadow-sm); border: 1px solid var(--line);
}
.product-icon {
  width: 44px; height: 44px; border-radius: 10px; background: var(--pink);
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
  color: var(--magenta);
}
.product-card h3 { font-size: 18px; margin-bottom: 8px; }
.product-card p { font-size: 14.5px; color: var(--muted); margin-bottom: 0; }

@media (max-width: 900px) { .product-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .product-grid { grid-template-columns: 1fr; } }

/* ---------------------------------------------------------------------
   Why us
   --------------------------------------------------------------------- */
.why-us { padding: 72px 0; }
.why-us-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center;
  background: var(--pink); border-radius: 24px; overflow: hidden;
}
.why-us-visual { height: 100%; min-height: 380px; }
.why-us-visual img { width: 100%; height: 100%; object-fit: cover; object-position: left center; min-height: 380px; }
.why-us-copy { padding: 40px 44px 40px 0; }
.why-us-copy h2 { font-size: 28px; }
.why-us-list { list-style: none; margin: 20px 0 0; padding: 0; display: flex; flex-direction: column; gap: 16px; }
.why-us-list li { display: flex; gap: 12px; }
.why-us-list h3 { font-size: 15.5px; margin: 0 0 3px; }
.why-us-list p { font-size: 14px; color: var(--navy-ink); margin: 0; }

.agent-bio { display: flex; gap: 20px; align-items: center; margin-top: 32px; padding-top: 28px; border-top: 1px solid rgba(0,39,110,0.15); }
.agent-photo { width: 84px; height: 84px; border-radius: 50%; object-fit: cover; border: 3px solid #fff; box-shadow: var(--shadow-sm); flex: none; }
.agent-bio h3 { font-size: 16px; margin-bottom: 2px; }
.agent-bio .bio-role { font-size: 13px; color: var(--magenta); font-weight: 600; margin-bottom: 4px; }
.agent-bio p.bio-copy { font-size: 14px; color: var(--navy-ink); margin: 0; max-width: 48ch; }

@media (max-width: 900px) {
  .why-us-inner { grid-template-columns: 1fr; border-radius: 18px; }
  .why-us-visual { min-height: 220px; }
  .why-us-visual img { min-height: 220px; }
  .why-us-copy { padding: 32px 24px; }
}

/* ---------------------------------------------------------------------
   FAQ
   --------------------------------------------------------------------- */
.faq-section { background: var(--bright-blue); padding: 72px 0; }
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 4px 22px;
}
.faq-item summary {
  cursor: pointer; font-weight: 600; font-size: 16px; padding: 16px 0;
  color: var(--navy); list-style: none; position: relative; padding-right: 30px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 0; top: 14px; font-size: 22px; color: var(--magenta);
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p { padding-bottom: 18px; margin: 0; color: var(--muted); font-size: 14.5px; }

/* ---------------------------------------------------------------------
   Final CTA banner
   --------------------------------------------------------------------- */
.cta-banner { background: var(--navy); color: #fff; padding: 56px 0; text-align: center; }
.cta-banner h2 { color: #fff; font-size: 26px; }
.cta-banner p { color: var(--bright-blue); font-size: 16px; }

/* ---------------------------------------------------------------------
   Footer
   --------------------------------------------------------------------- */
.site-footer { background: var(--navy); color: #cfd9f5; padding: 56px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; margin-bottom: 36px; }
.footer-brand { font-family: 'Sora', sans-serif; font-weight: 700; font-size: 17px; color: #fff; margin-bottom: 10px; }
.footer-brand span { display: block; font-family: 'Inter', sans-serif; font-weight: 400; font-size: 13px; color: var(--bright-blue); margin-top: 2px; }
.footer-nap { font-size: 13.5px; line-height: 1.8; }
.footer-nap a { color: #fff; }
.footer-heading { font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--bright-blue); font-weight: 700; margin-bottom: 12px; }
.footer-links { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: #cfd9f5; text-decoration: none; font-size: 14px; }
.footer-links a:hover { color: #fff; }
.footer-service-area { font-size: 14px; margin: 0; }

.site-footer .disclosure { font-size: 12px; color: #a9b7de; max-width: 100ch; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 20px; }
.site-footer .copyright { font-size: 12px; color: #8fa0d1; margin: 0; }

@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}

/* ---------------------------------------------------------------------
   Thank-you page
   --------------------------------------------------------------------- */
.thank-you { padding: 96px 0; text-align: center; background: var(--pink); }
.thank-you-inner { max-width: 60ch; margin: 0 auto; }
.thank-you h1 { color: var(--navy); }
.ty-sub { font-size: 17px; color: var(--navy-ink); }
.ty-note { font-size: 15px; }