/* Auto Insurance Mentor — stylesheet */
:root{
  --navy:#0e1b33;
  --navy-2:#16284b;
  --ink:#1b2435;
  --body:#53607a;
  --gold:#c99a3f;
  --gold-soft:#f3e7cf;
  --line:#e4e8f0;
  --bg:#ffffff;
  --bg-alt:#f6f8fc;
  --radius:14px;
  --shadow:0 18px 50px -24px rgba(14,27,51,.35);
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--body);
  font-family:"Inter","Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  font-size:16.5px;line-height:1.75;-webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4{font-family:"Georgia","Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);letter-spacing:-.02em}
h2{font-size:clamp(1.65rem,3.1vw,2.4rem);letter-spacing:-.015em}
h3{font-size:1.18rem}
p{margin:0 0 1.1em}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.eyebrow{
  display:inline-flex;align-items:center;gap:.55rem;font-size:.74rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:1rem;
  font-family:"Inter",sans-serif;
}
.eyebrow::before{content:"";width:28px;height:1px;background:var(--gold)}
.lead{font-size:1.09rem}
section{padding:92px 0}
.alt{background:var(--bg-alt)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.6rem;
  padding:15px 30px;border-radius:999px;font-weight:650;font-size:.95rem;
  border:1px solid transparent;cursor:pointer;transition:.3s cubic-bezier(.2,.7,.3,1);
  font-family:"Inter",sans-serif;
}
.btn-gold{background:var(--gold);color:#17202f;box-shadow:0 12px 28px -12px rgba(201,154,63,.8)}
.btn-gold:hover{transform:translateY(-3px);background:#d9ab51;box-shadow:0 18px 34px -14px rgba(201,154,63,.9)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);transform:translateY(-3px)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);transform:translateY(-3px)}

/* ---------- header ---------- */
header{
  position:fixed;inset:0 0 auto 0;z-index:900;padding:16px 0;
  transition:.35s ease;background:transparent;
}
header.solid{background:rgba(255,255,255,.93);backdrop-filter:blur(14px);
  box-shadow:0 1px 0 var(--line),0 10px 30px -22px rgba(14,27,51,.4);padding:10px 0}
/* full-width nav, aligned to the same left edge as the hero copy */
header > .wrap{max-width:none;width:100%;padding-left:clamp(24px,6vw,96px);padding-right:clamp(24px,6vw,96px)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:11px}
.mark{
  width:40px;height:40px;border-radius:11px;flex:0 0 40px;
  background:linear-gradient(140deg,var(--gold),#a97c25);
  display:grid;place-items:center;color:#14203a;font-weight:800;font-size:.95rem;
  font-family:"Inter",sans-serif;letter-spacing:-.03em;
}
.brand-txt b{display:block;font-family:Georgia,serif;font-size:1.08rem;color:#fff;letter-spacing:-.01em;line-height:1.1}
.brand-txt span{font-size:.66rem;letter-spacing:.17em;text-transform:uppercase;color:rgba(255,255,255,.6)}
header.solid .brand-txt b{color:var(--navy)}
header.solid .brand-txt span{color:var(--body)}
.menu{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.menu a{font-size:.93rem;font-weight:550;color:rgba(255,255,255,.82);position:relative}
.menu a::after{content:"";position:absolute;left:0;bottom:-6px;height:1.5px;width:0;background:var(--gold);transition:.3s}
.menu a:hover::after{width:100%}
header.solid .menu a{color:var(--ink)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{display:flex;flex-direction:column;line-height:1.15;text-align:right}
.nav-phone small{font-size:.63rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold)}
.nav-phone b{font-size:1.02rem;color:#fff;font-family:Georgia,serif}
header.solid .nav-phone b{color:var(--navy)}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;transition:.3s;border-radius:2px}
header.solid .burger span{background:var(--navy)}

/* ---------- hero ---------- */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;color:#fff;padding:140px 0 110px;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-bg img{width:100%;height:100%;object-fit:cover;transform:scale(1.08);animation:slowzoom 22s ease-in-out infinite alternate}
@keyframes slowzoom{to{transform:scale(1.0) translateY(-10px)}}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;
  background:
    linear-gradient(to top,rgba(9,17,33,.55),rgba(9,17,33,0) 45%),
    linear-gradient(100deg,rgba(9,17,33,.94) 6%,rgba(9,17,33,.82) 42%,rgba(9,17,33,.42) 78%,rgba(9,17,33,.3) 100%)}
.hero h1{color:#fff;max-width:17ch}
.hero p{color:rgba(255,255,255,.78);max-width:52ch;font-size:1.08rem}
/* hero copy hugs the left edge instead of sitting in the centred container */
.hero > .wrap{max-width:none;width:100%;padding-left:clamp(24px,6vw,96px);padding-right:clamp(24px,6vw,96px)}
.hero-inner{max-width:660px;margin:0}
.hero h1{max-width:15ch}
.hero p{max-width:50ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.hero-note{margin-top:34px;font-size:.84rem;color:rgba(255,255,255,.6);border-left:2px solid var(--gold);padding-left:14px;max-width:46ch}
.scroll-hint{position:absolute;bottom:34px;left:50%;transform:translateX(-50%);width:22px;height:36px;
  border:1.5px solid rgba(255,255,255,.35);border-radius:14px}
.scroll-hint::before{content:"";position:absolute;left:50%;top:7px;margin-left:-2px;width:4px;height:7px;border-radius:2px;
  background:var(--gold);animation:dot 1.9s infinite}
@keyframes dot{0%{opacity:0;transform:translateY(0)}35%{opacity:1}75%{opacity:0;transform:translateY(11px)}100%{opacity:0}}

/* ---------- disclosure banner ---------- */
.disclosure{background:var(--navy);color:rgba(255,255,255,.85);padding:16px 0;font-size:.88rem}
.disclosure .wrap{display:flex;gap:14px;align-items:flex-start}
.disclosure .dot{flex:0 0 8px;height:8px;width:8px;border-radius:50%;background:var(--gold);margin-top:.6em}
.disclosure b{color:#fff}

/* ---------- grid / cards ---------- */
.sec-head{max-width:640px;margin-bottom:54px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.grid{display:grid;gap:26px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;
  transition:.4s cubic-bezier(.2,.7,.3,1);position:relative;overflow:hidden;
}
.card::before{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:var(--gold);transition:.45s}
.card:hover{transform:translateY(-7px);box-shadow:var(--shadow);border-color:#d9dfea}
.card:hover::before{width:100%}
.card h3{margin-bottom:.45em}
.card p{margin:0;font-size:.96rem}
.ico{width:48px;height:48px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;margin-bottom:20px}
.ico svg{width:23px;height:23px;stroke:#9a7325;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.ph{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}
.ph img{width:100%;height:100%;object-fit:cover;transition:1.2s cubic-bezier(.2,.7,.3,1)}
.ph:hover img{transform:scale(1.05)}
.ph.tall img{aspect-ratio:4/4.6}
.badge-float{
  position:absolute;left:22px;bottom:22px;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);
  border-radius:12px;padding:14px 18px;font-size:.84rem;color:var(--navy);font-weight:600;box-shadow:var(--shadow);
  max-width:72%;
}
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding-left:32px;margin-bottom:13px;font-size:.98rem}
.ticks li::before{
  content:"";position:absolute;left:0;top:.42em;width:18px;height:18px;border-radius:50%;
  background:var(--gold-soft);
}
.ticks li::after{content:"";position:absolute;left:6px;top:.72em;width:5px;height:9px;border:solid #9a7325;border-width:0 2px 2px 0;transform:rotate(45deg)}

/* steps */
.steps{counter-reset:s;display:grid;gap:4px;grid-template-columns:repeat(4,1fr)}
.step{padding:30px 24px;border-top:2px solid var(--line);transition:.35s;position:relative}
.step:hover{border-top-color:var(--gold)}
.step .n{font-family:Georgia,serif;font-size:2.4rem;color:var(--gold-soft);line-height:1;display:block;margin-bottom:12px;transition:.35s}
.step:hover .n{color:var(--gold)}
.step h3{font-size:1.05rem}
.step p{font-size:.93rem;margin:0}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;
  font-family:Georgia,serif;color:var(--navy);font-size:1.06rem;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:8px;top:50%;width:10px;height:10px;margin-top:-7px;
  border:solid var(--gold);border-width:0 2px 2px 0;transform:rotate(45deg);transition:.3s}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:-3px}
.faq .ans{padding:0 10px 22px 0;font-size:.97rem;animation:fade .45s ease}
@keyframes fade{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* contact */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.info-item{display:flex;gap:16px;padding:18px 0;border-bottom:1px dashed var(--line)}
.info-item .ico{margin:0;width:42px;height:42px;flex:0 0 42px;border-radius:10px}
.info-item b{display:block;color:var(--navy);font-size:.95rem}
.info-item a,.info-item span{font-size:.95rem;color:var(--body);word-break:break-word}
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px}
label{display:block;font-size:.8rem;font-weight:650;color:var(--navy);margin-bottom:7px;letter-spacing:.02em}
input,select,textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:10px;background:#fbfcfe;
  font:inherit;font-size:.95rem;color:var(--ink);transition:.25s;
}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--gold);background:#fff;box-shadow:0 0 0 4px rgba(201,154,63,.12)}
textarea{min-height:120px;resize:vertical}
.consent{display:flex;gap:11px;align-items:flex-start;font-size:.83rem;line-height:1.55}
.consent input{width:17px;height:17px;flex:0 0 17px;margin-top:3px;accent-color:var(--gold)}
.form-msg{display:none;margin-top:16px;padding:13px 16px;border-radius:10px;font-size:.9rem}
.form-msg.ok{display:block;background:#eaf7ef;color:#1d6b3b;border:1px solid #bfe5cd}
.form-msg.err{display:block;background:#fdeceb;color:#9b2c23;border:1px solid #f4c7c3}
.hp{position:absolute!important;left:-9999px!important}

/* cta band */
.band{background:linear-gradient(120deg,var(--navy) 0%,#1d3360 100%);color:#fff;text-align:center;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,154,63,.22),transparent 68%);top:-220px;right:-120px}
.band h2{color:#fff}
.band p{color:rgba(255,255,255,.75);max-width:58ch;margin-inline:auto}

/* footer */
footer{background:#0a1426;color:rgba(255,255,255,.62);padding:70px 0 0;font-size:.92rem}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:46px}
footer h4{color:#fff;font-family:Inter,sans-serif;font-size:.76rem;letter-spacing:.17em;text-transform:uppercase;margin-bottom:18px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:10px}
footer a{color:rgba(255,255,255,.62);transition:.25s}
footer a:hover{color:var(--gold)}
.fdisc{border-top:1px solid rgba(255,255,255,.1);padding:26px 0;font-size:.82rem;line-height:1.7;color:rgba(255,255,255,.5)}
.fbar{border-top:1px solid rgba(255,255,255,.1);padding:20px 0 26px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.84rem}
.fbar a{margin-left:18px}

/* sticky mobile call bar */
.callbar{
  display:none;position:fixed;left:0;right:0;bottom:0;z-index:950;
  background:linear-gradient(100deg,var(--navy),#1d3360);
  color:#fff;padding:13px 16px;align-items:center;justify-content:center;gap:12px;
  font-weight:700;font-size:1.06rem;letter-spacing:.02em;
  box-shadow:0 -8px 24px -12px rgba(0,0,0,.5);border-top:2px solid var(--gold);
}
.callbar .ring{width:34px;height:34px;border-radius:50%;background:var(--gold);display:grid;place-items:center;
  animation:pulse 2s infinite}
.callbar .ring svg{width:17px;height:17px;fill:#13203a}
.callbar small{display:block;font-size:.6rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:rgba(255,255,255,.65)}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(201,154,63,.6)}70%{box-shadow:0 0 0 13px rgba(201,154,63,0)}100%{box-shadow:0 0 0 0 rgba(201,154,63,0)}}

/* page hero (inner pages) */
.phero{background:linear-gradient(120deg,var(--navy),#1d3360);color:#fff;padding:168px 0 76px;position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;width:480px;height:480px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,154,63,.2),transparent 70%);top:-200px;right:-100px}
.phero h1{color:#fff;margin-bottom:.3em}
.phero p{color:rgba(255,255,255,.7);margin:0}
.legal{max-width:860px}
.legal h2{font-size:1.5rem;margin-top:2.2em}
.legal h2:first-child{margin-top:0}
.legal ul{padding-left:20px}
.legal li{margin-bottom:9px}
.legal .upd{font-size:.86rem;color:#8b95a9}

/* reveal animation */
.rv{opacity:0;transform:translateY(26px);transition:opacity .8s cubic-bezier(.2,.7,.3,1),transform .8s cubic-bezier(.2,.7,.3,1)}
.rv.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media(max-width:980px){
  .g3{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .split,.contact-grid{grid-template-columns:1fr;gap:38px}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:780px){
  body{font-size:16px}
  section{padding:64px 0}
  .menu{
    position:fixed;inset:0 0 0 auto;width:min(80vw,320px);background:#fff;flex-direction:column;
    align-items:flex-start;justify-content:center;gap:26px;padding:40px;transform:translateX(100%);
    transition:.4s cubic-bezier(.2,.7,.3,1);box-shadow:-20px 0 50px -30px rgba(0,0,0,.5);
  }
  .menu.open{transform:none}
  .menu a{color:var(--navy)!important;font-size:1.1rem;font-family:Georgia,serif}
  .burger{display:block}
  .nav-phone{display:none}
  .nav-cta .btn{display:none}
  .hero{min-height:auto;padding:128px 0 90px}
  .hero-bg img{object-position:72% center}
  .hero::after{background:linear-gradient(to bottom,rgba(9,17,33,.92) 0%,rgba(9,17,33,.86) 55%,rgba(9,17,33,.72) 100%)}
  .scroll-hint{display:none}
  .callbar{display:flex}
  body{padding-bottom:66px}
  .g3,.g2,.steps,.frow{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr;gap:30px}
  form{padding:24px 20px}
  .phero{padding:132px 0 56px}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  .rv{opacity:1;transform:none}
}