/* EZ Auto Insurance Online — single stylesheet, no dependencies. */

:root {
  color-scheme: light dark;

  --bg:        #f6f8fb;
  --surface:   #ffffff;
  --surface-2: #eef2f8;
  --text:      #131a24;
  --text-mut:  #556172;
  --border:    #d7dfea;
  --brand:     #14607a;
  --brand-ink: #0d475b;
  --brand-soft:#e2f0f5;
  --accent:    #b8560f;
  --ok:        #1c6b45;
  --ok-soft:   #e3f4ec;
  --err:       #a32320;
  --focus:     #0a84c4;
  --shadow:    0 1px 2px rgba(16,26,38,.06), 0 8px 24px rgba(16,26,38,.07);
  --radius:    10px;
  --maxw:      1080px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg:        #0e141b;
    --surface:   #161e27;
    --surface-2: #1d2733;
    --text:      #e7edf4;
    --text-mut:  #a2b0c0;
    --border:    #2c3947;
    --brand:     #5fbcd8;
    --brand-ink: #9ad6e9;
    --brand-soft:#132c36;
    --accent:    #f0a465;
    --ok:        #6fd3a4;
    --ok-soft:   #122e23;
    --err:       #ff9a94;
    --focus:     #6cc4f0;
    --shadow:    0 1px 2px rgba(0,0,0,.4), 0 8px 24px rgba(0,0,0,.35);
  }
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font: 400 16px/1.65 system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

h1, h2, h3 { line-height: 1.25; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(1.75rem, 1.2rem + 2.4vw, 2.7rem); }
h2 { font-size: clamp(1.35rem, 1.1rem + 1.1vw, 1.85rem); }
h3 { font-size: 1.12rem; }
p  { margin: 0 0 1rem; }

a { color: var(--brand); }
a:hover { color: var(--brand-ink); }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: 4px;
}

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--surface); color: var(--text);
  padding: 10px 16px; z-index: 100; border: 1px solid var(--border);
}
.skip-link:focus { left: 8px; top: 8px; }

/* ---------- header / nav ---------- */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 50;
}
.site-header .wrap {
  display: flex; align-items: center; gap: 16px;
  min-height: 66px; flex-wrap: wrap;
}
.brand {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 700; font-size: 1.05rem; color: var(--text);
  text-decoration: none; letter-spacing: -.02em;
}
.brand:hover { color: var(--text); }
.brand-mark {
  width: 30px; height: 30px; flex: none;
  display: grid; place-items: center;
  border-radius: 8px;
  background: var(--brand); color: #fff;
  font-size: .78rem; font-weight: 800; letter-spacing: .02em;
}
@media (prefers-color-scheme: dark) { .brand-mark { color: #08141a; } }

.nav-toggle {
  margin-left: auto;
  display: none;
  background: var(--surface-2); color: var(--text);
  border: 1px solid var(--border); border-radius: 8px;
  padding: 8px 12px; font: inherit; font-size: .9rem; cursor: pointer;
}
.site-nav { margin-left: auto; }
.site-nav ul {
  list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; flex-wrap: wrap;
}
.site-nav a {
  display: block; padding: 8px 12px; border-radius: 8px;
  color: var(--text-mut); text-decoration: none; font-size: .94rem; font-weight: 500;
}
.site-nav a:hover { background: var(--surface-2); color: var(--text); }
.site-nav a[aria-current="page"] { color: var(--brand); background: var(--brand-soft); }

@media (max-width: 760px) {
  .nav-toggle { display: block; }
  .site-nav { flex-basis: 100%; margin-left: 0; }
  .site-nav[hidden] { display: none; }
  .site-nav ul { flex-direction: column; gap: 0; padding-bottom: 12px; }
  .site-nav a { padding: 10px 12px; }
}

/* ---------- layout blocks ---------- */
section { padding: 56px 0; }
.section-tight { padding: 36px 0; }
.lede { font-size: 1.08rem; color: var(--text-mut); max-width: 62ch; }

.hero { padding: 60px 0 48px; }
.hero-grid {
  display: grid; gap: 36px;
  grid-template-columns: minmax(0, 1fr) minmax(0, 460px);
  align-items: start;
}
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }

.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700;
  letter-spacing: .09em; text-transform: uppercase;
  color: var(--brand); background: var(--brand-soft);
  padding: 5px 10px; border-radius: 999px; margin-bottom: 14px;
}

.checklist { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 10px; }
.checklist li { display: flex; gap: 10px; align-items: flex-start; color: var(--text-mut); }
.checklist svg { flex: none; margin-top: 4px; color: var(--brand); }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
}

.grid-3 { display: grid; gap: 20px; grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid-2 { display: grid; gap: 20px; grid-template-columns: repeat(2, minmax(0,1fr)); }
@media (max-width: 820px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.band { background: var(--surface); border-block: 1px solid var(--border); }

.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; display: grid; gap: 20px; }
.steps > li {
  counter-increment: s;
  display: grid; grid-template-columns: 44px minmax(0,1fr); gap: 16px; align-items: start;
}
.steps > li::before {
  content: counter(s);
  width: 44px; height: 44px; display: grid; place-items: center;
  border-radius: 50%; background: var(--brand-soft); color: var(--brand);
  font-weight: 700; font-size: 1.05rem;
}
.steps h3 { margin-bottom: .25em; }
.steps p { color: var(--text-mut); margin: 0; }

.prose { max-width: 72ch; }
.prose h2 { margin-top: 2em; }
.prose h3 { margin-top: 1.6em; }
.prose ul, .prose ol { padding-left: 1.3em; color: var(--text-mut); }
.prose li { margin-bottom: .5em; }

.note {
  background: var(--surface-2);
  border-left: 4px solid var(--brand);
  border-radius: 0 8px 8px 0;
  padding: 14px 18px; color: var(--text-mut); font-size: .95rem;
}

.muted { color: var(--text-mut); }
.small { font-size: .88rem; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: inherit; font-weight: 600;
  padding: 12px 22px; border-radius: 8px; border: 1px solid transparent;
  cursor: pointer; text-decoration: none;
}
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-ink); color: #fff; }
@media (prefers-color-scheme: dark) {
  .btn-primary { color: #08141a; }
  .btn-primary:hover { color: #08141a; }
}
.btn-ghost { background: transparent; color: var(--brand); border-color: var(--border); }
.btn-ghost:hover { background: var(--surface-2); }
.btn-block { width: 100%; }

/* ---------- forms ---------- */
.form-card { scroll-margin-top: 90px; }
fieldset { border: 0; margin: 0 0 18px; padding: 0; }
/* Wrapper that keeps form controls disabled until site.js enables them, so a
   no-JS browser cannot default-submit the fields as a GET query string. */
.js-gate { margin: 0; min-width: 0; }
legend {
  font-weight: 700; font-size: .8rem; letter-spacing: .07em; text-transform: uppercase;
  color: var(--text-mut); padding: 0 0 10px;
}
.field { margin-bottom: 16px; }
.field label, .field .label {
  display: block; font-weight: 600; font-size: .92rem; margin-bottom: 6px;
}
.req { color: var(--accent); }
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; font: inherit; color: var(--text);
  background: var(--surface);
  border: 1px solid var(--border); border-radius: 8px;
  padding: 11px 12px;
}
textarea { min-height: 130px; resize: vertical; }
select { appearance: none; background-image: none; }
input:focus, select:focus, textarea:focus { border-color: var(--focus); }
input[aria-invalid="true"], select[aria-invalid="true"], textarea[aria-invalid="true"] {
  border-color: var(--err);
}
.row { display: grid; gap: 14px; grid-template-columns: repeat(2, minmax(0,1fr)); }
.row-3 { display: grid; gap: 14px; grid-template-columns: repeat(3, minmax(0,1fr)); }
@media (max-width: 560px) { .row, .row-3 { grid-template-columns: 1fr; } }

.radio-row { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-pill {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid var(--border); border-radius: 8px;
  padding: 10px 16px; cursor: pointer; background: var(--surface);
}
.radio-pill input { accent-color: var(--brand); margin: 0; }
.radio-pill:hover { background: var(--surface-2); }
.radio-pill:has(input:checked) { border-color: var(--brand); background: var(--brand-soft); }

.hint { font-size: .84rem; color: var(--text-mut); margin-top: 5px; }
.error {
  display: none; color: var(--err); font-size: .85rem; font-weight: 600; margin-top: 5px;
}
.error.show { display: block; }

.form-status {
  border-radius: 8px; padding: 12px 14px; margin-bottom: 16px;
  border: 1px solid var(--err); color: var(--err); font-weight: 600; font-size: .92rem;
}
.form-status[hidden] { display: none; }

.success-panel {
  border: 1px solid var(--ok); background: var(--ok-soft);
  border-radius: var(--radius); padding: 28px; text-align: center;
}
.success-panel h2 { color: var(--ok); }
.success-panel[hidden] { display: none; }
.success-icon {
  width: 52px; height: 52px; margin: 0 auto 14px;
  display: grid; place-items: center; border-radius: 50%;
  background: var(--ok); color: var(--ok-soft); font-size: 1.6rem; font-weight: 700;
}

/* honeypot — never shown, never announced */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- footer ---------- */
.site-footer {
  background: var(--surface);
  border-top: 1px solid var(--border);
  padding: 40px 0 28px;
  margin-top: 24px;
  font-size: .92rem;
}
.footer-grid {
  display: grid; gap: 28px;
  grid-template-columns: minmax(0,2fr) repeat(2, minmax(0,1fr));
}
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h3 {
  font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--text-mut);
}
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.site-footer a { color: var(--text-mut); text-decoration: none; }
.site-footer a:hover { color: var(--brand); text-decoration: underline; }
.footer-legal {
  margin-top: 30px; padding-top: 20px; border-top: 1px solid var(--border);
  color: var(--text-mut); font-size: .85rem;
}
.footer-legal p { max-width: 90ch; }