/* =========================================================
   Southern Comprehensive Insurance, LLC
   Brand palette pulled directly from the company logo.
   Navy  #032454   Green #426C34
   ========================================================= */

:root{
  /* Brand */
  --navy:#032454;
  --navy-800:#062F6B;
  --navy-700:#0B3F8A;
  --navy-100:#E7EDF6;
  --navy-50:#F4F7FC;

  --green:#426C34;
  --green-700:#365A2A;
  --green-500:#5C8F4A;
  --green-100:#E9F0E5;
  --green-50:#F4F8F2;

  /* Neutrals */
  --ink:#16202E;
  --body:#3F4A5A;
  --muted:#5F6A7C;
  --line:#DFE4EC;
  --bg:#FFFFFF;
  --bg-alt:#F7F9FC;
  --cream:#FBFAF7;

  /* Feedback */
  --warn-bg:#FFF8E6;
  --warn-line:#E8C77A;

  /* System */
  --radius:10px;
  --radius-lg:16px;
  --shadow-sm:0 1px 2px rgba(3,36,84,.06), 0 1px 3px rgba(3,36,84,.08);
  --shadow:0 4px 6px -1px rgba(3,36,84,.08), 0 10px 24px -6px rgba(3,36,84,.12);
  --shadow-lg:0 12px 32px -8px rgba(3,36,84,.18);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --maxw:1160px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;
  color:var(--body);background:var(--bg);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}

h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.1rem,4.4vw,3.35rem);letter-spacing:-.015em}
h2{font-size:clamp(1.65rem,3vw,2.35rem);letter-spacing:-.01em}
h3{font-size:1.3rem}
h4{font-size:1.08rem;font-family:var(--sans);font-weight:700}
p{margin:0 0 1.1em}
a{color:var(--navy-700);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--green-700)}
ul,ol{padding-left:1.25em}
li{margin-bottom:.5em}
strong{color:var(--ink)}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin-left:auto;margin-right:auto}
.section{padding:76px 0}
.section--tight{padding:52px 0}
.section--alt{background:var(--bg-alt)}
.section--navy{background:var(--navy);color:#D8E2F0}
.section--navy h2,.section--navy h3{color:#fff}
.section--cream{background:var(--cream)}
.center{text-align:center}
.eyebrow{
  font-size:.76rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--green);margin:0 0 .75rem;
}
.section--navy .eyebrow{color:#8FBF77}
.lead{font-size:1.16rem;color:var(--body)}
.section--navy .lead{color:#C3D2E6}

/* ---------- Skip link ---------- */
.skip{
  position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;
  padding:12px 20px;z-index:200;border-radius:0 0 var(--radius) 0;
}
.skip:focus{left:0}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--sans);font-size:1rem;font-weight:600;line-height:1;
  padding:15px 28px;border-radius:var(--radius);border:2px solid transparent;
  cursor:pointer;text-decoration:none;transition:.18s ease;text-align:center;
}
.btn--primary{background:var(--green);color:#fff;border-color:var(--green)}
.btn--primary:hover{background:var(--green-700);border-color:var(--green-700);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow)}
.btn--navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--navy:hover{background:var(--navy-800);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--light{background:#fff;color:var(--navy);border-color:#fff}
.btn--light:hover{background:var(--navy-100);color:var(--navy)}
.btn--sm{padding:11px 18px;font-size:.92rem}
.btn--block{display:flex;width:100%}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}
.btn-row.center{justify-content:center}

*:focus-visible{outline:3px solid var(--green-500);outline-offset:2px;border-radius:4px}

/* ---------- Header ---------- */
.topbar{background:var(--navy);color:#B9CBE4;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{color:#9DC98A}
.topbar__tag{color:#9DC98A;letter-spacing:.06em;text-transform:uppercase;font-size:.74rem;font-weight:700}

.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);
  backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;text-decoration:none;flex-shrink:0}
.brand img{height:118px;width:auto}

.hdr__actions{display:flex;align-items:center;gap:12px}

/* ---------- Menu dropdown ---------- */
.menu{position:relative}
.menu__btn{display:flex;align-items:center;gap:10px;background:#fff;border:1.5px solid var(--line);
  border-radius:var(--radius);padding:12px 18px;cursor:pointer;font-family:var(--sans);
  font-size:.97rem;font-weight:700;color:var(--navy);transition:.16s}
.menu__btn:hover{border-color:var(--navy);background:var(--navy-50)}
.menu__btn[aria-expanded="true"]{border-color:var(--navy);background:var(--navy);color:#fff}
.menu__bars{display:flex;flex-direction:column;gap:4px;width:18px}
.menu__bars i{display:block;height:2px;background:currentColor;border-radius:2px}
.menu__list{display:none;position:absolute;top:calc(100% + 10px);right:0;min-width:262px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:10px;z-index:120}
.menu__list.open{display:block}
.menu__list a{display:block;padding:12px 16px;border-radius:8px;color:var(--ink);
  text-decoration:none;font-size:.97rem;font-weight:600}
.menu__list a:hover{background:var(--navy-50);color:var(--navy)}
.menu__list a[aria-current="page"]{background:var(--green-50);color:var(--green-700)}
.menu__sep{height:1px;background:var(--line);margin:9px 12px}

@media(max-width:640px){
  .brand img{height:76px}
  .site-header .wrap{gap:10px}
  .menu__btn{padding:11px 14px}
  .menu__btn span:last-child{display:none}
  .hdr__cta{padding:11px 15px;font-size:.9rem}
  .menu__list{right:0;min-width:250px}
}

/* ---------- Hero ---------- */
.hero{
  background:
    linear-gradient(105deg, rgba(3,36,84,.96) 0%, rgba(3,36,84,.90) 46%, rgba(66,108,52,.82) 100%),
    var(--navy);
  color:#DCE6F3;padding:88px 0 96px;position:relative;overflow:hidden;
}
.hero::after{
  content:"";position:absolute;right:-140px;bottom:-180px;width:520px;height:520px;
  border:2px solid rgba(255,255,255,.09);border-radius:50%;
}
.hero .wrap{position:relative;z-index:2}
.hero__grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{color:#fff;margin-bottom:.35em}
.hero__sub{font-size:1.2rem;color:#C6D5E9;max-width:36em;margin-bottom:1.7em}
.hero__trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16)}
.hero__trust div{font-size:.87rem;color:#B4C7DF}
.hero__trust b{display:block;color:#fff;font-family:var(--serif);font-size:1.5rem;font-weight:600}
.hero__card{background:#fff;border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow-lg)}
.hero__card h3{margin-top:0;font-size:1.22rem}
.hero__photo{
  background:var(--navy-100);border:2px dashed var(--navy-700);border-radius:var(--radius-lg);
  aspect-ratio:4/5;display:flex;align-items:center;justify-content:center;text-align:center;
  color:var(--navy);font-size:.86rem;font-weight:600;padding:20px;
}
@media(max-width:900px){.hero__grid{grid-template-columns:1fr;gap:38px}.hero{padding:60px 0 68px}}

/* ---------- Page header (interior) ---------- */
.pagehead{background:var(--navy);color:#C6D5E9;padding:60px 0 56px;position:relative}
.pagehead h1{color:#fff;margin-bottom:.3em}
.pagehead p{font-size:1.13rem;color:#B9CBE4;max-width:44em;margin:0}
.pagehead .eyebrow{color:#8FBF77}
.pagehead::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:linear-gradient(90deg,var(--green) 0%,var(--green-500) 100%)}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:28px;transition:.18s ease;
}
.card--link:hover{border-color:var(--green);box-shadow:var(--shadow);transform:translateY(-2px)}
.card h3{margin-top:0;font-size:1.18rem}
.card p:last-child{margin-bottom:0}
.card__icon{
  width:46px;height:46px;border-radius:12px;background:var(--green-100);color:var(--green-700);
  display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:16px;
}
.card__icon--navy{background:var(--navy-100);color:var(--navy)}
.card__more{font-weight:700;font-size:.92rem;color:var(--green-700);text-decoration:none;display:inline-block;margin-top:6px}
.card__more:hover{text-decoration:underline}

.panel{background:var(--navy-50);border-left:4px solid var(--navy);border-radius:0 var(--radius) var(--radius) 0;padding:22px 26px;margin:26px 0}
.panel--green{background:var(--green-50);border-left-color:var(--green)}
.panel--warn{background:var(--warn-bg);border-left-color:var(--warn-line)}
.panel h4{margin-top:0}
.panel p:last-child,.panel ul:last-child{margin-bottom:0}

/* ---------- Checklist ---------- */
.check{list-style:none;padding:0;margin:0}
.check li{position:relative;padding-left:32px;margin-bottom:.7em}
.check li::before{
  content:"";position:absolute;left:0;top:.45em;width:18px;height:18px;border-radius:50%;
  background:var(--green-100);
}
.check li::after{
  content:"";position:absolute;left:6px;top:.72em;width:5px;height:9px;
  border:solid var(--green-700);border-width:0 2px 2px 0;transform:rotate(45deg);
}

/* ---------- Steps ---------- */
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding-left:56px;margin-bottom:26px}
.steps li::before{
  content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;
  background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:1rem;font-family:var(--serif);
}
.steps h4{margin:6px 0 6px}

/* ---------- Stats ---------- */
.stat{text-align:center;padding:8px}
.stat b{display:block;font-family:var(--serif);font-size:2.5rem;color:var(--green);line-height:1;margin-bottom:8px}
.section--navy .stat b{color:#9DC98A}
.stat span{font-size:.94rem;color:var(--muted)}
.section--navy .stat span{color:#B9CBE4}

/* ---------- Testimonials ---------- */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;position:relative}
.quote::before{content:"\201C";position:absolute;top:6px;left:20px;font-family:var(--serif);font-size:4rem;color:var(--green-100);line-height:1}
.quote p{position:relative;z-index:1;font-size:1.02rem;color:var(--ink);font-style:italic}
.quote footer{font-size:.9rem;color:var(--muted);font-style:normal;border-top:1px solid var(--line);padding-top:14px;margin-top:14px}
.quote footer b{display:block;color:var(--navy);font-style:normal}
.stars{color:#D9A21B;letter-spacing:2px;font-size:1rem;margin-bottom:10px}

/* ---------- Forms ---------- */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow-sm)}
.field{margin-bottom:18px}
.field label{display:block;font-size:.9rem;font-weight:700;color:var(--ink);margin-bottom:7px}
.field .hint{font-weight:400;color:var(--muted);font-size:.84rem;display:block;margin-top:3px}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],input[type=password],select,textarea{
  width:100%;padding:13px 14px;font-family:inherit;font-size:1rem;color:var(--ink);
  border:1.5px solid var(--line);border-radius:var(--radius);background:#fff;transition:.15s;
}
input:focus,select:focus,textarea:focus{border-color:var(--green);outline:none;box-shadow:0 0 0 3px var(--green-100)}
textarea{min-height:130px;resize:vertical}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.field-row{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);line-height:1.5}
.consent input{margin-top:3px;width:17px;height:17px;flex-shrink:0;accent-color:var(--green)}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  cursor:pointer;padding:20px 40px 20px 0;font-weight:700;color:var(--navy);
  font-size:1.04rem;list-style:none;position:relative;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";position:absolute;right:8px;top:17px;font-size:1.5rem;color:var(--green);
  font-weight:400;transition:.2s;
}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details > div{padding:0 40px 22px 0;color:var(--body)}
.faq details > div p:last-child{margin-bottom:0}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius-lg)}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--navy-50);color:var(--navy);font-weight:700;font-size:.88rem;letter-spacing:.02em}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--bg-alt)}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(100deg,var(--navy) 0%,var(--navy-800) 60%,var(--green-700) 140%);color:#fff;padding:64px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#C6D5E9;font-size:1.1rem;max-width:44em;margin-left:auto;margin-right:auto}

/* ---------- Blog ---------- */
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:.18s}
.post-card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:var(--green)}
.post-card__top{height:7px;background:linear-gradient(90deg,var(--navy),var(--green))}
.post-card__body{padding:26px;flex:1;display:flex;flex-direction:column}
.post-card h3{font-size:1.15rem}
.tag{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green-700);background:var(--green-50);padding:5px 10px;border-radius:20px;margin-bottom:12px;align-self:flex-start}
.post-meta{font-size:.83rem;color:var(--muted);margin-top:auto;padding-top:14px}

/* ---------- Glossary ---------- */
.gloss{margin:0}
.gloss dt{font-weight:700;color:var(--navy);margin-top:20px;font-size:1.02rem}
.gloss dd{margin:5px 0 0;color:var(--body)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#A9BFDA;padding:60px 0 0;font-size:.93rem}
.site-footer h4{color:#fff;font-family:var(--sans);font-size:.8rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:16px}
.site-footer a{color:#CFDCEC;text-decoration:none}
.site-footer a:hover{color:#9DC98A;text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px}
.footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px}
@media(max-width:880px){.footer__grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer__grid{grid-template-columns:1fr}}
.footer__logo{background:#fff;border-radius:12px;padding:14px;display:inline-block;margin-bottom:18px}
.footer__logo img{height:78px}
.footer__legal{border-top:1px solid rgba(255,255,255,.14);padding:26px 0 34px;font-size:.8rem;color:#8FA6C4;line-height:1.7}
.footer__legal p{margin-bottom:.9em}
.footer__legal strong{color:#C6D5E9}
.footer__bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:6px}

/* ---------- Calculator ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden}
.calc__head{background:var(--navy);color:#fff;padding:22px 28px}
.calc__head h3{color:#fff;margin:0;font-size:1.24rem}
.calc__head p{margin:6px 0 0;color:#B9CBE4;font-size:.92rem}
.calc__body{padding:28px}
.calc__result{background:var(--green-50);border:1px solid var(--green-100);border-radius:var(--radius);padding:24px;text-align:center;margin-top:22px}
.calc__result b{display:block;font-family:var(--serif);font-size:2.6rem;color:var(--green-700);line-height:1.1}
.calc__result span{font-size:.9rem;color:var(--body)}
.calc__break{text-align:left;font-size:.9rem;margin-top:18px;border-top:1px solid var(--green-100);padding-top:16px}
.calc__break div{display:flex;justify-content:space-between;padding:5px 0}
.hidden{display:none !important}

/* ---------- Utilities ---------- */
.mb0{margin-bottom:0}
.mt0{margin-top:0}
.mt2{margin-top:2rem}
.mt3{margin-top:3rem}
.small{font-size:.87rem}
.muted{color:var(--muted)}
.ph{background:#FFF3CD;border-bottom:1px dashed #B8860B;color:#6B4E00;font-weight:600;padding:0 3px;border-radius:2px}

@media print{.site-header,.site-footer,.topbar,.cta-band,.btn{display:none}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ---------- Footer: Agent Tools ---------- */
.footer__tools{opacity:.62;font-size:.86rem}
.footer__tools::before{content:"\1F512\00A0";font-size:.8em}
.footer__tools:hover{opacity:1}

/* ---------- Mission & Purpose ---------- */
.mission{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:30px}
@media(max-width:760px){.mission{grid-template-columns:1fr}}
.mission__card{background:#fff;border:1px solid var(--line);border-left:5px solid var(--green);
  border-radius:var(--radius-lg);padding:30px}
.mission__card h3{margin-top:0;font-size:1.15rem;letter-spacing:.02em;text-transform:uppercase;
  font-family:var(--sans);font-size:.82rem;font-weight:800;color:var(--green-700);
  letter-spacing:.13em;margin-bottom:14px}
.mission__card p{font-size:1.04rem;color:var(--ink);margin-bottom:0;line-height:1.7}
.mission__card--navy{border-left-color:var(--navy)}
.mission__card--navy h3{color:var(--navy)}

/* ---------- Video slot ---------- */
.videoslot{background:var(--navy-50);border:2px dashed var(--navy-700);border-radius:var(--radius-lg);
  aspect-ratio:16/9;display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;padding:26px;color:var(--navy)}
.videoslot b{font-size:1.05rem;display:block;margin-bottom:8px}
.videoslot span{font-size:.87rem;max-width:44ch;color:var(--body)}
.videoslot__play{width:60px;height:60px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:16px}