/* Sugbo Shield — corporate insurance, navy/teal, mobile-first */
:root {
  --navy: #0b1f3a;
  --navy-deep: #071528;
  --teal: #0d9488;
  --teal-dark: #0f766e;
  --teal-light: #ccfbf1;
  --slate: #334155;
  --muted: #64748b;
  --border: #e2e8f0;
  --bg: #f8fafc;
  --white: #ffffff;
  --success: #059669;
  --danger: #dc2626;
  --radius: 10px;
  --shadow: 0 4px 24px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 12px 40px rgba(11, 31, 58, 0.12);
  --font: "Source Sans 3", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --max: 1100px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--slate);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--teal-dark); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 {
  font-family: var(--font);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
  margin: 0 0 0.75rem;
}
h1 { font-size: clamp(1.85rem, 4vw, 2.75rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); letter-spacing: -0.015em; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-left: 1.25rem; }
li { margin-bottom: 0.35rem; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.honeypot {
  position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden;
  opacity: 0; pointer-events: none;
}

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: 0.85rem 0; min-height: 64px;
}
.logo {
  display: flex; align-items: center; gap: 0.65rem;
  text-decoration: none; color: var(--navy); font-weight: 700; font-size: 1.15rem;
}
.logo svg { width: 36px; height: 36px; flex-shrink: 0; }
.logo span { letter-spacing: -0.02em; }
.nav-toggle {
  display: flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border: 1px solid var(--border); border-radius: 8px;
  background: var(--white); cursor: pointer; color: var(--navy);
}
.nav-toggle svg { width: 22px; height: 22px; }
.nav {
  display: none; position: absolute; left: 0; right: 0; top: 100%;
  background: var(--white); border-bottom: 1px solid var(--border);
  padding: 0.75rem 1rem 1.25rem; box-shadow: var(--shadow);
}
.nav.open { display: block; }
.nav ul {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-direction: column; gap: 0.25rem;
}
.nav a {
  display: block; padding: 0.65rem 0.85rem; border-radius: 8px;
  text-decoration: none; color: var(--slate); font-weight: 600; font-size: 1rem;
}
.nav a:hover, .nav a[aria-current="page"] {
  background: var(--teal-light); color: var(--navy);
}
.nav .btn-nav {
  margin-top: 0.5rem; text-align: center;
  background: var(--navy); color: var(--white) !important;
}
.nav .btn-nav:hover { background: var(--teal-dark); }

@media (min-width: 860px) {
  .nav-toggle { display: none; }
  .nav {
    display: block; position: static; border: 0; box-shadow: none;
    padding: 0; background: transparent;
  }
  .nav ul { flex-direction: row; align-items: center; gap: 0.15rem; }
  .nav a { padding: 0.45rem 0.75rem; font-size: 0.95rem; }
  .nav .btn-nav {
    margin-top: 0; margin-left: 0.5rem; padding: 0.55rem 1rem !important;
  }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  padding: 0.75rem 1.35rem; border-radius: 8px; border: 2px solid transparent;
  font-family: inherit; font-size: 1rem; font-weight: 600; line-height: 1.2;
  text-decoration: none; cursor: pointer; transition: background 0.15s, color 0.15s, border-color 0.15s;
}
.btn-primary { background: var(--teal); color: var(--white); }
.btn-primary:hover { background: var(--teal-dark); color: var(--white); }
.btn-secondary {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-secondary:hover { background: var(--navy); color: var(--white); }
.btn-ghost { background: transparent; color: var(--teal-dark); padding-left: 0.5rem; padding-right: 0.5rem; }
.btn-ghost:hover { color: var(--navy); }
.btn-lg { padding: 0.9rem 1.6rem; font-size: 1.05rem; }
.btn:disabled { opacity: 0.55; cursor: not-allowed; }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.5rem; }

/* Hero */
.hero {
  background: linear-gradient(145deg, var(--navy-deep) 0%, var(--navy) 55%, #134e4a 100%);
  color: #e2e8f0; padding: 3.5rem 0 4rem; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -80px; top: -40px;
  width: 320px; height: 320px; border-radius: 50%;
  background: radial-gradient(circle, rgba(13,148,136,0.25), transparent 70%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-badge {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.06em;
  text-transform: uppercase; color: #5eead4; margin-bottom: 1rem;
}
.hero h1 { color: var(--white); max-width: 18ch; margin-bottom: 1rem; }
.hero-lead {
  font-size: clamp(1.05rem, 2vw, 1.2rem); color: #cbd5e1;
  max-width: 38rem; margin-bottom: 0.5rem;
}
.hero .btn-primary { background: var(--teal); }
.hero .btn-secondary { border-color: #94a3b8; color: var(--white); }
.hero .btn-secondary:hover { background: var(--white); color: var(--navy); border-color: var(--white); }

/* Sections */
.section { padding: 3.5rem 0; }
.section-alt { background: var(--bg); }
.section-head { max-width: 40rem; margin-bottom: 2rem; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.eyebrow {
  display: block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--teal); margin-bottom: 0.5rem;
}

/* Cards */
.grid-3 {
  display: grid; gap: 1.25rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }

.grid-2 {
  display: grid; gap: 1.25rem;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }

.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow);
}
.card-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--teal-light); color: var(--teal-dark);
  display: flex; align-items: center; justify-content: center; margin-bottom: 1rem;
}
.card-icon svg { width: 24px; height: 24px; }
.card h3 { margin-bottom: 0.5rem; }
.card p:last-child { margin-bottom: 0; color: var(--muted); font-size: 0.98rem; }

/* Steps */
.steps { counter-reset: step; display: grid; gap: 1.25rem; }
@media (min-width: 720px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step {
  position: relative; padding: 1.35rem 1.25rem 1.35rem 1.25rem;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
}
.step::before {
  counter-increment: step; content: counter(step);
  display: flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--navy); color: var(--white); font-weight: 700; font-size: 0.9rem;
  margin-bottom: 0.85rem;
}
.step h3 { font-size: 1.05rem; }
.step p { margin: 0; font-size: 0.95rem; color: var(--muted); }

/* CTA band */
.cta-band {
  background: var(--navy); color: #cbd5e1; padding: 3rem 0; text-align: center;
}
.cta-band h2 { color: var(--white); }
.cta-band p { max-width: 36rem; margin: 0 auto 1.5rem; }
.cta-band .btn-primary { background: var(--teal); }

/* Forms */
.form-wrap {
  max-width: 640px; margin: 0 auto;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow);
}
.form-group { margin-bottom: 1.15rem; }
.form-group label {
  display: block; font-weight: 600; color: var(--navy);
  margin-bottom: 0.4rem; font-size: 0.95rem;
}
.form-group .hint { display: block; font-weight: 400; color: var(--muted); font-size: 0.85rem; margin-top: 0.2rem; }
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="number"],
.form-group select,
.form-group textarea {
  width: 100%; padding: 0.7rem 0.85rem; border: 1px solid var(--border);
  border-radius: 8px; font-family: inherit; font-size: 1rem; color: var(--slate);
  background: var(--white); transition: border-color 0.15s, box-shadow 0.15s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none; border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(13, 148, 136, 0.2);
}
.form-group textarea { min-height: 110px; resize: vertical; }
.checkbox-list { display: grid; gap: 0.55rem; }
.checkbox-item {
  display: flex; align-items: flex-start; gap: 0.65rem;
  padding: 0.65rem 0.85rem; border: 1px solid var(--border); border-radius: 8px;
  cursor: pointer; background: var(--bg);
}
.checkbox-item:hover { border-color: var(--teal); }
.checkbox-item input { margin-top: 0.2rem; width: 1.1rem; height: 1.1rem; accent-color: var(--teal); flex-shrink: 0; }
.checkbox-item span { font-size: 0.95rem; color: var(--slate); }
.consent {
  display: flex; align-items: flex-start; gap: 0.65rem;
  font-size: 0.9rem; color: var(--muted); margin-bottom: 1.25rem;
}
.consent input { margin-top: 0.2rem; width: 1.1rem; height: 1.1rem; accent-color: var(--teal); flex-shrink: 0; }
.consent a { color: var(--teal-dark); }

/* Coverage finder wizard */
.wizard-progress {
  display: flex; gap: 0.5rem; margin-bottom: 1.75rem; flex-wrap: wrap;
}
.wizard-dot {
  flex: 1; min-width: 60px; height: 6px; border-radius: 3px;
  background: var(--border);
}
.wizard-dot.active { background: var(--teal); }
.wizard-dot.done { background: var(--navy); }
.wizard-step { display: none; }
.wizard-step.active { display: block; }
.wizard-step h2 { font-size: 1.35rem; margin-bottom: 0.35rem; }
.wizard-step > p { color: var(--muted); margin-bottom: 1.25rem; }
.match-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.match-list li {
  padding: 0.85rem 1rem; border-left: 4px solid var(--teal);
  background: var(--teal-light); border-radius: 0 8px 8px 0; margin-bottom: 0.5rem;
  font-weight: 600; color: var(--navy);
}
.form-status {
  padding: 0.85rem 1rem; border-radius: 8px; margin-bottom: 1rem; display: none;
  font-size: 0.95rem;
}
.form-status.error { display: block; background: #fef2f2; color: var(--danger); border: 1px solid #fecaca; }
.form-status.success { display: block; background: #ecfdf5; color: var(--success); border: 1px solid #a7f3d0; }
.form-success-panel {
  text-align: center; padding: 2rem 1rem;
}
.form-success-panel svg {
  width: 56px; height: 56px; margin: 0 auto 1rem; color: var(--success);
}
.form-success-panel h2 { color: var(--success); }

/* Services page */
.service-block {
  padding: 2rem 0; border-bottom: 1px solid var(--border);
}
.service-block:last-child { border-bottom: 0; }
.service-block h2 { margin-bottom: 0.5rem; }
.tag-list { display: flex; flex-wrap: wrap; gap: 0.5rem; margin: 1rem 0 0; padding: 0; list-style: none; }
.tag-list li {
  background: var(--teal-light); color: var(--teal-dark); font-size: 0.85rem;
  font-weight: 600; padding: 0.35rem 0.75rem; border-radius: 999px;
}

/* Contact info */
.contact-grid {
  display: grid; gap: 2rem;
}
@media (min-width: 800px) {
  .contact-grid { grid-template-columns: 1fr 1.2fr; align-items: start; }
}
.contact-detail {
  display: flex; gap: 0.85rem; margin-bottom: 1.25rem; align-items: flex-start;
}
.contact-detail svg { width: 22px; height: 22px; color: var(--teal); flex-shrink: 0; margin-top: 2px; }
.contact-detail strong { display: block; color: var(--navy); font-size: 0.9rem; }
.contact-detail a, .contact-detail span { color: var(--slate); text-decoration: none; }
.contact-detail a:hover { color: var(--teal-dark); text-decoration: underline; }
.placeholder-note {
  font-size: 0.8rem; color: var(--muted); font-style: italic;
}

/* Privacy */
.prose { max-width: 42rem; }
.prose h2 { margin-top: 2rem; font-size: 1.25rem; }
.prose h3 { margin-top: 1.5rem; font-size: 1.1rem; }
.prose p, .prose li { color: var(--slate); }

/* Footer */
.site-footer {
  background: var(--navy-deep); color: #94a3b8; padding: 2.5rem 0 1.5rem;
  font-size: 0.95rem;
}
.footer-grid {
  display: grid; gap: 2rem; margin-bottom: 2rem;
}
@media (min-width: 700px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
}
.site-footer h3 { color: var(--white); font-size: 1rem; margin-bottom: 0.85rem; }
.site-footer a { color: #cbd5e1; text-decoration: none; }
.site-footer a:hover { color: #5eead4; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.45rem; }
.footer-brand { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 0.75rem; }
.footer-brand span { color: var(--white); font-weight: 700; font-size: 1.1rem; }
.footer-brand svg { width: 28px; height: 28px; }
.footer-bottom {
  border-top: 1px solid rgba(148,163,184,0.25); padding-top: 1.25rem;
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.5rem; justify-content: space-between;
  font-size: 0.85rem;
}

/* Page hero (inner) */
.page-hero {
  background: var(--bg); border-bottom: 1px solid var(--border);
  padding: 2.5rem 0 2rem;
}
.page-hero h1 { margin-bottom: 0.5rem; }
.page-hero p { color: var(--muted); max-width: 36rem; margin: 0; font-size: 1.1rem; }

/* Trust bar */
.trust-bar {
  display: flex; flex-wrap: wrap; gap: 1.5rem 2.5rem;
  padding: 1.5rem 0; border-bottom: 1px solid var(--border);
  justify-content: center; text-align: center;
}
.trust-item {
  flex: 1 1 140px; max-width: 220px;
}
.trust-item strong {
  display: block; color: var(--navy); font-size: 1.35rem; font-weight: 700;
}
.trust-item span { font-size: 0.85rem; color: var(--muted); }

.cta-band .btn-secondary {
  border-color: #94a3b8; color: var(--white);
}
.cta-band .btn-secondary:hover {
  background: var(--white); color: var(--navy); border-color: var(--white);
}