/* ==========================================================================
   Meeka Insurance Agency LLC — third iteration
   Design: "Summit dusk" — deep ink, glacier ice, ember amber.
   No image files: all artwork is inline SVG / CSS so the site is fast.
   ========================================================================== */

:root {
  --ink-900: #071726;
  --ink-800: #0b2237;
  --ink-700: #14314b;
  --ink-600: #1d4364;
  --ice-500: #6fd0e6;
  --ice-300: #a8e4f2;
  --ember-500: #f0a13c;
  --ember-600: #d9821f;
  --bone-100: #f8f6f1;
  --bone-200: #ece7dd;
  --bone-300: #d8d2c6;
  --slate-700: #3d4c5a;
  --slate-600: #566573;
  --white: #ffffff;

  --ok: #1f7a4d;
  --warn: #a5350f;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(7, 23, 38, .08);
  --shadow: 0 10px 30px -12px rgba(7, 23, 38, .35);
  --shadow-lg: 0 30px 60px -30px rgba(7, 23, 38, .55);

  --wrap: 1140px;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
}

*, *::before, *::after { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-800);
  background: var(--bone-100);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 600; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 5.4vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.3rem); }
h3 { font-size: 1.22rem; }
p { margin: 0 0 1em; }
a { color: var(--ink-600); text-underline-offset: 3px; }
a:hover { color: var(--ember-600); }
ul { margin: 0 0 1em; padding-left: 1.2em; }
li + li { margin-top: .35em; }
strong { font-weight: 600; }

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

.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 20px; }
.skip {
  position: absolute; left: -9999px; top: 0; background: var(--ink-900); color: #fff;
  padding: 12px 18px; z-index: 200; border-radius: 0 0 var(--radius-sm) 0;
}
.skip:focus { left: 0; color: #fff; }

/* ---------- utility bar + header ---------- */
.utility {
  background: var(--ink-900);
  color: var(--bone-300);
  font-size: .82rem;
  letter-spacing: .02em;
}
.utility .wrap { display: flex; flex-wrap: wrap; gap: 6px 18px; align-items: center; justify-content: space-between; padding-block: 8px; }
.utility strong { color: var(--ice-300); font-weight: 600; }
.utility a { color: var(--bone-100); text-decoration: none; border-bottom: 1px solid rgba(248, 246, 241, .35); }
.utility a:hover { color: var(--ember-500); border-color: var(--ember-500); }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(248, 246, 241, .92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--bone-300);
}
.header-inner { display: flex; align-items: center; gap: 16px; padding-block: 12px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: inherit; }
.brand svg { width: 46px; height: 46px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong { font-family: var(--font-display); font-size: 1.06rem; font-weight: 600; }
.brand-text span { font-size: .76rem; text-transform: uppercase; letter-spacing: .09em; color: var(--slate-600); }

.site-nav { margin-left: auto; display: flex; align-items: center; gap: 22px; }
.site-nav ul { display: flex; gap: 20px; list-style: none; margin: 0; padding: 0; font-size: .94rem; }
.site-nav li + li { margin: 0; }
.site-nav a { text-decoration: none; color: var(--ink-700); font-weight: 500; }
.site-nav a:hover { color: var(--ember-600); }
.site-nav a.is-active { color: var(--ink-900); box-shadow: inset 0 -2px 0 var(--ember-500); }

.nav-toggle {
  display: none;
  margin-left: auto;
  background: none; border: 1px solid var(--bone-300); border-radius: var(--radius-sm);
  font-size: 1.1rem; line-height: 1; padding: 10px 12px; cursor: pointer; color: var(--ink-800);
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: inherit; font-weight: 600; font-size: .95rem;
  padding: 12px 20px; border-radius: 999px; border: 1px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .12s ease, background .15s ease, color .15s ease, box-shadow .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--ink-800); color: var(--bone-100); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--ink-600); color: #fff; }
.btn-amber { background: var(--ember-500); color: #241400; box-shadow: 0 8px 20px -10px rgba(217, 130, 31, .9); }
.btn-amber:hover { background: var(--ember-600); color: #1c1000; }
.btn-ghost { background: transparent; border-color: currentColor; color: var(--bone-100); }
.btn-ghost:hover { background: rgba(248, 246, 241, .14); color: #fff; }
.btn-outline { background: transparent; border-color: var(--ink-600); color: var(--ink-700); }
.btn-outline:hover { background: var(--ink-800); color: var(--bone-100); }
.btn-sm { padding: 9px 16px; font-size: .88rem; }
.btn-block { width: 100%; }

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--ink-800); color: var(--bone-100); }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(1100px 620px at 12% -10%, rgba(111, 208, 230, .30), transparent 62%),
    radial-gradient(760px 520px at 92% 8%, rgba(240, 161, 60, .22), transparent 60%),
    linear-gradient(180deg, rgba(7, 23, 38, .1), rgba(7, 23, 38, .55));
  pointer-events: none;
}
.hero-ridge { position: absolute; left: 0; right: 0; bottom: -2px; width: 100%; height: 190px; opacity: .5; }
.hero-inner {
  position: relative; display: grid; grid-template-columns: 1.08fr .92fr;
  gap: 46px; align-items: center; padding-block: clamp(48px, 8vw, 86px);
}
.eyebrow {
  display: inline-block; margin-bottom: 14px; padding: 6px 14px;
  border: 1px solid rgba(168, 228, 242, .5); border-radius: 999px;
  font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ice-300);
}
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--ice-300); }
.lede { font-size: 1.1rem; color: rgba(248, 246, 241, .9); max-width: 46ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.hero-points { list-style: none; padding: 0; margin: 26px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: .9rem; color: rgba(248, 246, 241, .82); }
.hero-points li { display: flex; gap: 8px; align-items: flex-start; }
.hero-points li::before { content: "✓"; color: var(--ember-500); font-weight: 700; }

/* ---------- quote card ---------- */
.quote-card {
  background: var(--bone-100); color: var(--ink-800);
  border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, .5);
}
.quote-card h3 { margin-bottom: 6px; }
.quote-card .hint { font-size: .9rem; color: var(--slate-600); margin-bottom: 16px; }
.step-label { font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--slate-600); font-weight: 600; display: block; margin-bottom: 8px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.chip {
  font: inherit; font-size: .87rem; font-weight: 500;
  padding: 9px 15px; border-radius: 999px; cursor: pointer;
  border: 1px solid var(--bone-300); background: var(--white); color: var(--ink-700);
}
.chip:hover { border-color: var(--ice-500); }
.chip[aria-pressed="true"] { background: var(--ink-800); border-color: var(--ink-800); color: var(--bone-100); }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: .82rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--slate-600); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px;
  border: 1px solid var(--bone-300); border-radius: var(--radius-sm); background: var(--white); color: var(--ink-800);
}
.field input::placeholder, .field textarea::placeholder { color: #9aa5ae; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.note { font-size: .9rem; margin: 12px 0 0; padding: 12px 14px; border-radius: var(--radius-sm); }
.note[hidden] { display: none; }
.note-info { background: rgba(111, 208, 230, .16); border: 1px solid rgba(111, 208, 230, .5); }
.note-warn { background: rgba(240, 161, 60, .16); border: 1px solid rgba(217, 130, 31, .45); }
.note-ok { background: rgba(31, 122, 77, .12); border: 1px solid rgba(31, 122, 77, .35); }
.note a { font-weight: 600; }
.fine { font-size: .78rem; color: var(--slate-600); margin: 12px 0 0; }

/* ---------- sections ---------- */
section { padding-block: clamp(48px, 7vw, 84px); }
.section-alt { background: var(--white); }
.section-ink { background: var(--ink-800); color: var(--bone-100); }
.section-ink h2, .section-ink h3 { color: #fff; }
.section-ink p { color: rgba(248, 246, 241, .88); }
.section-head { max-width: 62ch; margin-bottom: 34px; }
.section-head p { color: var(--slate-700); font-size: 1.05rem; margin-bottom: 0; }
.pill {
  display: inline-block; margin-bottom: 10px; font-size: .74rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--ember-600); font-weight: 700;
}

.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--bone-100); border: 1px solid var(--bone-200);
  border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
}
.section-alt .card { background: var(--bone-100); }
.card h3 { margin-bottom: 8px; }
.card p { margin-bottom: 16px; color: var(--slate-700); font-size: .96rem; }
.card .card-cta { margin-top: auto; display: flex; gap: 10px; flex-wrap: wrap; }
.card-icon {
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--ice-500), var(--ink-600)); color: #fff;
  font-family: var(--font-display); font-weight: 600; margin-bottom: 14px;
}
.badge-line { display: flex; flex-wrap: wrap; gap: 8px; margin: 18px 0 0; padding: 0; list-style: none; }
.badge-line li {
  font-size: .8rem; font-weight: 600; letter-spacing: .02em;
  background: rgba(20, 49, 75, .08); color: var(--ink-700); border-radius: 999px; padding: 6px 13px;
}
.section-ink .badge-line li { background: rgba(248, 246, 241, .12); color: var(--bone-100); }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 22px; grid-template-columns: repeat(3, 1fr); }
.steps li { position: relative; padding-left: 0; }
.steps li + li { margin-top: 0; }
.steps h3 { display: flex; align-items: center; gap: 12px; }
.steps h3::before {
  counter-increment: step; content: counter(step);
  width: 34px; height: 34px; flex: none; border-radius: 50%;
  background: var(--ember-500); color: #241400; font-family: var(--font-body);
  font-size: .95rem; font-weight: 700; display: grid; place-items: center;
}

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 46px; align-items: center; }
.adv-list { list-style: none; padding: 0; margin: 0; }
.adv-list li { padding: 16px 0; border-top: 1px solid var(--bone-200); }
.section-ink .adv-list li { border-color: rgba(248, 246, 241, .18); }
.adv-list li:first-child { border-top: 0; padding-top: 0; }
.adv-list strong { display: block; font-family: var(--font-display); font-size: 1.05rem; margin-bottom: 2px; }
.adv-list p { margin: 0; font-size: .96rem; }
.story { background: var(--bone-200); border-radius: var(--radius-lg); padding: 30px; }
.story p:last-child { margin-bottom: 0; }

.contact-list { list-style: none; padding: 0; margin: 0 0 20px; }
.contact-list li { display: grid; grid-template-columns: 108px 1fr; gap: 14px; padding: 12px 0; border-top: 1px solid var(--bone-200); font-size: .97rem; }
.contact-list li:first-child { border-top: 0; }
.contact-list strong { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-600); padding-top: 3px; }
.contact-list a { word-break: break-word; }
.embed-shell { background: var(--white); border: 1px solid var(--bone-200); border-radius: var(--radius); padding: 18px; box-shadow: var(--shadow-sm); }
.embed-shell .frame { width: 100%; min-height: 460px; border: 0; border-radius: var(--radius-sm); background: var(--bone-100); }
.embed-placeholder { text-align: center; padding: 26px 14px; }
.embed-placeholder p { color: var(--slate-600); font-size: .94rem; }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--bone-200); }
.faq details { border-bottom: 1px solid var(--bone-200); }
.faq summary {
  cursor: pointer; list-style: none; padding: 18px 40px 18px 0; position: relative;
  font-family: var(--font-display); font-size: 1.06rem; font-weight: 600; color: var(--ink-800);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%);
  font-family: var(--font-body); font-size: 1.4rem; font-weight: 400; color: var(--ember-600); line-height: 1;
}
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 40px 20px 0; color: var(--slate-700); font-size: .98rem; }
.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--ink-800), var(--ink-600) 65%, var(--ink-700));
  color: var(--bone-100); border-radius: var(--radius-lg);
  padding: clamp(26px, 4vw, 40px); display: grid; grid-template-columns: 1.25fr .75fr; gap: 30px; align-items: center;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(248, 246, 241, .9); margin-bottom: 0; }
.cta-band .cta-side { display: flex; flex-direction: column; gap: 12px; }
.cta-band .cta-side a.btn { width: 100%; }

/* ---------- footer ---------- */
.site-footer { background: var(--ink-900); color: var(--bone-300); padding-block: 52px 26px; font-size: .92rem; }
.site-footer h3 { color: #fff; font-size: 1rem; font-family: var(--font-body); font-weight: 600; letter-spacing: .02em; }
.site-footer a { color: var(--bone-100); text-decoration: none; border-bottom: 1px solid rgba(248, 246, 241, .28); }
.site-footer a:hover { color: var(--ember-500); border-color: var(--ember-500); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.footer-bottom {
  display: flex; flex-wrap: wrap; gap: 10px 22px; justify-content: space-between;
  margin-top: 36px; padding-top: 20px; border-top: 1px solid rgba(248, 246, 241, .16);
  font-size: .82rem; color: rgba(216, 210, 198, .85);
}
.disclaimer { font-size: .78rem; color: rgba(216, 210, 198, .7); margin-top: 14px; max-width: 80ch; }

/* ---------- sticky mobile action bar ---------- */
.action-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 120;
  display: none; gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  background: rgba(7, 23, 38, .96); backdrop-filter: blur(8px);
  border-top: 1px solid rgba(248, 246, 241, .16);
  transform: translateY(110%); transition: transform .22s ease;
}
.action-bar.is-shown { transform: translateY(0); }
.action-bar .btn { flex: 1; }

/* ---------- responsive ---------- */
@media (max-width: 1000px) {
  .hero-inner { grid-template-columns: 1fr; gap: 34px; }
  .grid-3, .steps { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 30px; }
  .cta-band { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 780px) {
  .nav-toggle { display: block; }
  .site-nav {
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--bone-100); border-bottom: 1px solid var(--bone-300);
    padding: 8px 20px 18px; display: none; max-height: 78vh; overflow: auto;
    box-shadow: var(--shadow);
  }
  .site-nav.is-open { display: flex; }
  .site-nav ul { flex-direction: column; gap: 0; }
  .site-nav ul li { border-bottom: 1px solid var(--bone-200); }
  .site-nav ul a { display: block; padding: 14px 2px; font-size: 1rem; }
  .site-nav .btn { margin-top: 14px; }
  .grid-3, .steps, .grid-2 { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .action-bar { display: flex; }
  body { padding-bottom: 74px; }
  .footer-grid { grid-template-columns: 1fr; }
  .utility .wrap { justify-content: flex-start; }
  .brand-text span { font-size: .68rem; }
  .embed-shell .frame { min-height: 380px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .btn:hover { transform: none; }
}

@media print {
  .site-header, .action-bar, .utility, .hero-ridge { display: none !important; }
  body { background: #fff; padding: 0; }
}