/* Insured by Hill — landing site styles.
   Palette: paper #FAFAF7, ink #20302A, one accent (deep spruce #1E5741).
   Type: system serif display over system sans body. No webfonts, no build step. */

:root {
  --paper: #fafaf7;
  --card: #ffffff;
  --ink: #20302a;
  --soft: #55655e;
  --accent: #1e5741;
  --accent-deep: #143c2d;
  --rule: #dde3de;
  --chip-bg: #f0f4f1;
  --error: #9b2c1f;
  --serif: 'Iowan Old Style', 'Palatino Linotype', Palatino, Georgia, 'Times New Roman', serif;
  --sans: system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.55;
  color: var(--ink);
  background: var(--paper);
}

img { max-width: 100%; height: auto; }

a { color: var(--accent); text-underline-offset: 2px; }
a:hover { color: var(--accent-deep); }

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

.wrap { max-width: 1060px; margin-inline: auto; padding-inline: 1.25rem; }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--accent); color: #fff; padding: 0.6rem 1rem; z-index: 10;
}
.skip-link:focus { left: 0; color: #fff; }

/* ---------- Type roles ---------- */

h1, h2, .footer-wordmark, .wordmark {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(1.85rem, 5.5vw, 2.9rem); margin-bottom: 0.75rem; }
h2 { font-size: clamp(1.35rem, 3.5vw, 1.8rem); margin-bottom: 0.5rem; }
h3 { font-size: 1.05rem; margin-bottom: 0.25rem; }

/* Signature motif: small-cap eyebrow over a double hairline rule — policy-paper. */
.eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
}
.eyebrow::after {
  content: "";
  display: block;
  width: 44px;
  border-top: 3px double var(--accent);
  margin-top: 0.5rem;
}

.lede { font-size: 1.08rem; color: var(--soft); max-width: 34em; }

.fine { font-size: 0.78rem; color: var(--soft); }

/* ---------- Header ---------- */

.site-header { border-bottom: 1px solid var(--rule); background: var(--paper); }

.header-row {
  display: flex; align-items: baseline; justify-content: space-between;
  padding-block: 0.9rem;
}

.wordmark { font-size: 1.2rem; color: var(--ink); text-decoration: none; }
.wordmark em, .footer-wordmark em { font-style: italic; font-weight: 400; color: var(--accent); }
.wordmark:hover { color: var(--accent); }

.header-contact { font-size: 0.85rem; text-decoration: none; }
.header-contact:hover { text-decoration: underline; }

/* ---------- Hero + form ---------- */

.hero { padding-block: 2rem 3rem; }

.hero-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-areas: "copy" "form" "trust";
}
.hero-copy { grid-area: copy; }
.form-wrap { grid-area: form; }
.trust { grid-area: trust; }

.trust {
  list-style: none;
  display: flex; flex-wrap: wrap; gap: 0.4rem 1.5rem;
  font-size: 0.85rem; color: var(--soft);
  border-top: 1px solid var(--rule);
  padding-top: 1rem;
}
.trust li { display: flex; align-items: center; gap: 0.5rem; }
.trust li::before {
  content: ""; width: 6px; height: 6px; border-radius: 50%;
  background: var(--accent); flex: none;
}

.form-card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--accent);
  border-radius: 10px;
  padding: 1.5rem 1.4rem;
  box-shadow: 0 1px 2px rgba(32, 48, 42, 0.05), 0 14px 36px -18px rgba(32, 48, 42, 0.18);
}

.form-card h2 { font-size: 1.4rem; }

.form-note { font-size: 0.88rem; color: var(--soft); margin-bottom: 1.1rem; }

.field { margin-bottom: 1rem; min-width: 0; }

.field label, .field legend {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.35rem;
}

.optional { font-weight: 400; color: var(--soft); }

.field input, .field textarea {
  width: 100%;
  font: inherit;
  color: var(--ink);
  background: #fff;
  border: 1px solid #c3ccc6;
  border-radius: 7px;
  padding: 0.55rem 0.7rem;
}
.field input:focus-visible, .field textarea:focus-visible {
  outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent);
}
.field textarea { resize: vertical; }

.field-pair { display: grid; gap: 0 0.75rem; grid-template-columns: 1fr 1fr; }
.field-pair .field { margin-bottom: 0.35rem; }

.field-hint { font-size: 0.78rem; color: var(--soft); margin-bottom: 1rem; }

fieldset.field { border: 0; }

.chips { display: flex; flex-wrap: wrap; gap: 0.5rem; }

.chip input {
  position: absolute;
  opacity: 0;
  width: 1px; height: 1px;
  pointer-events: none;
}
.chip span {
  display: inline-block;
  padding: 0.45rem 0.85rem;
  border: 1px solid var(--rule);
  border-radius: 999px;
  background: var(--chip-bg);
  font-size: 0.88rem;
  cursor: pointer;
  user-select: none;
}
.chip span:hover { border-color: var(--accent); }
.chip input:checked + span {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}
.chip input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }

/* Alternate-contact preference field (rarely used). */
.pref-field {
  position: absolute;
  left: -9999px; top: auto;
  width: 1px; height: 1px;
  overflow: hidden;
}

.cf-turnstile { margin-bottom: 1rem; min-height: 65px; }

.form-error {
  color: var(--error);
  font-size: 0.88rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.btn {
  display: block;
  width: 100%;
  font: inherit;
  font-weight: 600;
  font-size: 1.02rem;
  color: #fff;
  background: var(--accent);
  border: 0;
  border-radius: 8px;
  padding: 0.85rem 1.25rem;
  cursor: pointer;
  margin-bottom: 0.8rem;
}
.btn:hover { background: var(--accent-deep); }
.btn:disabled { opacity: 0.7; cursor: default; }

.contact-card .contact-line { font-size: 1.05rem; margin-bottom: 0.4rem; }
.contact-card p { margin-bottom: 0.75rem; }

/* ---------- Sections ---------- */

.section { padding-block: 3.25rem; }

.steps-section { border-top: 1px solid var(--rule); background: #fff; }

.steps {
  list-style: none;
  counter-reset: step;
  display: grid;
  gap: 1.75rem;
  margin-top: 1.5rem;
}
.steps li { counter-increment: step; position: relative; padding-left: 3.1rem; }
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 0;
  font-family: var(--serif);
  font-size: 1.5rem;
  color: var(--accent);
  width: 2.2rem; height: 2.2rem;
  display: grid; place-items: center;
  border: 1px solid var(--rule);
  border-radius: 50%;
  background: var(--paper);
}
.steps p { color: var(--soft); font-size: 0.95rem; }

.about-section { border-top: 1px solid var(--rule); }

.about-grid { display: grid; gap: 1.5rem; align-items: start; }

.monogram {
  width: 108px; height: 108px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: grid; place-items: center;
  font-family: var(--serif);
  font-size: 2.3rem;
  letter-spacing: 0.02em;
}

.about-copy p { max-width: 38em; margin-bottom: 0.75rem; }

.placeholder-note { font-size: 0.8rem; color: var(--soft); font-style: italic; }

/* ---------- Footer ---------- */

.site-footer {
  background: var(--accent-deep);
  color: #dfe9e2;
  padding-block: 2.5rem;
  margin-top: 1rem;
}
.site-footer a { color: #fff; }
.site-footer .fine { color: #b9c9be; }

.footer-wordmark { font-size: 1.15rem; color: #fff; margin-bottom: 0.5rem; }

.footer-grid { display: grid; gap: 1.75rem; }
.footer-grid p { margin-bottom: 0.4rem; }

.disclosure { font-size: 0.8rem; color: #b9c9be; max-width: 44em; }

/* ---------- Inner pages (privacy, thanks) ---------- */

.page-main { padding-block: 3rem; min-height: 55vh; }
.page-main .wrap { max-width: 720px; }
.page-main h1 { margin-bottom: 1rem; }
.page-main h2 { margin-top: 1.75rem; }
.page-main p, .page-main ul { margin-bottom: 0.9rem; color: var(--ink); }
.page-main ul { padding-left: 1.25rem; }
.page-main .contact-card { margin-top: 1.5rem; max-width: 420px; }

/* ---------- Wider screens ---------- */

@media (min-width: 900px) {
  .hero { padding-block: 3.5rem 4rem; }
  .hero-grid {
    grid-template-columns: minmax(0, 1fr) 430px;
    grid-template-areas:
      "copy form"
      "trust form";
    gap: 2.5rem 4rem;
    align-items: start;
  }
  .trust { align-self: end; }
  .steps { grid-template-columns: 1fr 1fr 1fr; gap: 2.5rem; }
  .about-grid { grid-template-columns: 108px 1fr; gap: 2.5rem; }
  .footer-grid { grid-template-columns: 1fr 1.4fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}