/* ==========================================================================
   Insure USA, Inc. — Shared Site Styles
   ========================================================================== */

/* RESET & BASE */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary:    #223C75;
  --secondary:  #0E214A;
  --accent:     #CB2235;
  --white:      #FFFFFF;
  --light-gray: #F5F5F5;
  --gray:       #E6E3E3;
  --text:       #717171;
  --font-sans:  'PT Sans', 'Roboto', sans-serif;
  --font-serif: 'PT Serif', serif;
  --font-script:'Oooh Baby', cursive;
  --radius:     10px;
  --shadow:     -8px 8px 20px -10px rgba(0,0,0,0.2);
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  color: var(--text);
  line-height: 1.6;
  font-size: 16px;
}

img { max-width: 100%; height: auto; display: block; }
a   { color: inherit; text-decoration: none; }
ul  { list-style: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--primary);
  color: var(--white);
  padding: 8px 16px;
  z-index: 99999;
  font-size: 0.875rem;
}
.skip-link:focus { left: 0; }

/* BUTTONS */
.btn {
  display: inline-block;
  padding: 10px 24px;
  background: var(--primary);
  color: var(--white);
  border: 1px solid var(--white);
  border-radius: 3px;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.2s;
}
.btn:hover        { opacity: 0.88; transform: scale(1.03); }
.btn-large        { padding: 14px 32px; font-size: 1rem; }
.btn-secondary    { background: var(--secondary); }
.btn-accent       { background: var(--accent); }

/* TOP BAR */
.topbar {
  background: var(--secondary);
  color: var(--white);
  padding: 8px 20px;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 20px;
  font-size: 0.875rem;
}
.topbar a {
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: opacity 0.2s;
}
.topbar a:hover { opacity: 0.8; }

/* HEADER & NAVIGATION */
.site-header {
  background: var(--white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.1);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 18px 24px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
}

.header-quote {
  grid-column: 1;
  justify-self: start;
}
.logo-link {
  grid-column: 2;
  justify-self: center;
}
.logo { height: 65px; width: auto; }

.nav-toggle {
  display: none;
  grid-column: 3;
  justify-self: end;
  background: var(--accent);
  border: none;
  color: var(--white);
  padding: 8px 13px;
  border-radius: 4px;
  font-size: 1.2rem;
  cursor: pointer;
  line-height: 1;
  align-items: center;
}

.main-nav {
  grid-column: 3;
  justify-self: end;
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-list {
  display: flex;
  align-items: center;
}

.nav-list > li > a {
  display: block;
  padding: 14px 13px;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--secondary);
  white-space: nowrap;
  transition: color 0.2s;
}
.nav-list > li > a:hover,
.nav-list > li > a.active { color: var(--accent); }

.has-submenu { position: relative; }

.submenu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
  min-width: 230px;
  border-top: 3px solid var(--accent);
  z-index: 1001;
}

.submenu li a {
  display: block;
  padding: 10px 16px;
  font-size: 0.875rem;
  color: var(--secondary);
  border-bottom: 1px solid var(--light-gray);
  transition: background 0.15s, color 0.15s;
}
.submenu li a:hover { background: var(--light-gray); color: var(--accent); }

.submenu .has-submenu .submenu {
  left: 100%;
  top: 0;
  border-top: none;
  border-left: 3px solid var(--accent);
}

.has-submenu:hover > .submenu { display: block; }

.nav-quote { display: none; }

/* PAGE HERO (inner pages — smaller than homepage) */
.page-hero {
  background: var(--secondary);
  padding: 60px 20px;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-serif);
  font-size: 2.4rem;
  font-weight: 400;
  color: var(--white);
  margin-bottom: 8px;
}
.page-hero .breadcrumb {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
}
.page-hero .breadcrumb a { color: rgba(255,255,255,0.85); }
.page-hero .breadcrumb a:hover { color: var(--white); }

/* MAIN CONTENT AREA */
.page-main {
  padding: 60px 20px;
}
.page-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 50px;
  max-width: 1200px;
  margin: 0 auto;
}

/* CONTENT TYPOGRAPHY */
.content h2 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 400;
  color: var(--secondary);
  margin: 30px 0 12px;
}
.content h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--secondary);
  margin: 20px 0 8px;
}
.content p  { margin-bottom: 16px; font-size: 1rem; line-height: 1.7; }
.content ul { list-style: disc; padding-left: 24px; margin-bottom: 16px; }
.content ul li { margin-bottom: 6px; font-size: 1rem; }
.content strong { color: var(--secondary); }

/* SIDEBAR */
.sidebar {}
.sidebar-card {
  background: var(--secondary);
  color: var(--white);
  border-radius: 4px;
  border-left: 4px solid var(--accent);
  padding: 26px 22px;
  margin-bottom: 20px;
  text-align: center;
}
.sidebar-card h3 {
  font-size: 0.9rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.sidebar-card p {
  font-size: 0.875rem;
  opacity: 0.85;
  margin-bottom: 16px;
  line-height: 1.5;
}
.sidebar-card .btn {
  background: var(--accent);
  border-color: transparent;
  width: 100%;
  text-align: center;
}
.sidebar-contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 12px;
  text-decoration: none;
  text-align: left;
}
.sidebar-contact a:hover { color: var(--white); }
.sidebar-contact i { width: 18px; text-align: center; color: var(--accent); flex-shrink: 0; }

/* COVERAGE LIST & CALLOUT */
.cov-list {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}
.cov-list li {
  padding: 11px 16px;
  border-left: 3px solid var(--accent);
  background: var(--light-gray);
  margin-bottom: 7px;
  border-radius: 0 5px 5px 0;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: var(--secondary);
}
.cov-list li i { color: var(--accent); margin-top: 2px; flex-shrink: 0; }
.callout {
  background: var(--secondary);
  color: var(--white);
  border-radius: 8px;
  padding: 22px 28px;
  margin: 28px 0;
  border-left: 5px solid var(--accent);
}
.callout h3 { color: var(--white); font-size: 1.05rem; margin-bottom: 6px; }
.callout p  { color: rgba(255,255,255,0.88); margin: 0; font-size: 0.92rem; line-height: 1.6; }
.cov-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 20px 0 28px;
}
.cov-split-col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 9px 14px;
  margin: 0;
  border-radius: 5px 5px 0 0;
}
.cov-split-col.yes h4 { background: #145214; color: #fff; }
.cov-split-col.no  h4 { background: var(--accent); color: #fff; }
.cov-split-col ul { list-style: none; padding: 0; margin: 0; background: var(--light-gray); border-radius: 0 0 5px 5px; }
.cov-split-col ul li { padding: 9px 14px; border-bottom: 1px solid #ddd; font-size: 0.85rem; color: var(--secondary); }
.cov-split-col ul li:last-child { border-bottom: none; }
@media (max-width: 600px) { .cov-split { grid-template-columns: 1fr; } }

/* OWNER PROFILE CARD */
.owner-profile {
  display: flex;
  gap: 28px;
  align-items: flex-start;
  background: var(--light-gray);
  border-radius: 8px;
  padding: 28px;
  margin: 28px 0;
  border-left: 4px solid var(--accent);
}
.owner-photo {
  width: 150px;
  height: 150px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  border: 3px solid var(--primary);
}
.owner-avatar {
  width: 130px;
  height: 130px;
  border-radius: 50%;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 3px solid var(--accent);
}
.owner-avatar i { font-size: 3rem; color: rgba(255,255,255,0.85); }
.owner-info { flex: 1; min-width: 0; }
.owner-info h3 {
  font-size: 1.4rem;
  color: var(--secondary);
  margin-bottom: 4px;
}
.owner-info .title {
  color: var(--accent);
  font-weight: 700;
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.6px;
  margin-bottom: 14px;
}
.owner-sig {
  font-style: italic;
  color: var(--secondary);
  font-weight: 600;
  margin-top: 10px;
}
@media (max-width: 600px) {
  .owner-profile { flex-direction: column; align-items: center; text-align: center; }
}

/* CONTACT CTA */
.contact-cta {
  background: linear-gradient(90deg, var(--accent) 50%, var(--primary) 50%);
  padding: 100px 20px;
  text-align: center;
}
.contact-cta h2 {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  color: var(--white);
  font-weight: 400;
  margin-bottom: 12px;
}
.contact-cta p {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 28px;
}

/* FOOTER */
.site-footer {
  background: var(--secondary);
  color: var(--white);
  padding: 60px 20px 16px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 60px;
  margin-bottom: 20px;
}
.footer-contact h3,
.footer-nav-col  h3 {
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent);
  margin-bottom: 14px;
}
.footer-contact p,
.footer-contact a {
  display: block;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 8px;
  line-height: 1.5;
}
.footer-contact a:hover { color: var(--white); }
.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 14px;
}
.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 0;
  transition: background 0.2s;
}
.footer-social a:hover { background: var(--accent); }
.footer-nav-cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.footer-nav-col ul li  { margin-bottom: 8px; }
.footer-nav-col ul a   { font-size: 0.875rem; color: rgba(255,255,255,0.78); transition: color 0.2s; }
.footer-nav-col ul a:hover { color: var(--white); }
.footer-map { margin-bottom: 30px; }
.footer-map iframe {
  width: 100%;
  height: 250px;
  border: none;
  border-radius: var(--radius);
}
.footer-service-area {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  text-align: center;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

/* COVERAGE HIGHLIGHTS */
.coverage-highlights {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin: 28px 0;
}
.highlight-box {
  background: var(--light-gray, #f5f6f8);
  border-radius: 6px;
  padding: 22px 18px;
  text-align: center;
  border-top: 3px solid var(--primary);
}
.highlight-box i {
  font-size: 1.8rem;
  color: var(--accent);
  margin-bottom: 10px;
  display: block;
}
.highlight-box strong {
  display: block;
  font-size: 1.1rem;
  color: var(--primary);
  margin-bottom: 4px;
  font-weight: 700;
}
.highlight-box span {
  font-size: 0.8rem;
  color: #555;
  line-height: 1.4;
}
@media (max-width: 768px) {
  .coverage-highlights { grid-template-columns: repeat(2, 1fr); }
}

/* RESPONSIVE */
@media (max-width: 1024px) {
  .page-layout { grid-template-columns: 1fr; }
  .sidebar { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .contact-cta { padding: 60px 20px; }
}

@media (max-width: 768px) {
  .header-inner { display: flex; justify-content: space-between; }
  .logo-link    { grid-column: unset; justify-self: unset; }
  .nav-toggle   { display: flex; grid-column: unset; justify-self: unset; }

  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    box-shadow: 0 8px 16px rgba(0,0,0,0.1);
    padding: 12px 16px 20px;
    gap: 0;
    z-index: 1002;
  }
  .main-nav.open { display: flex; }

  .nav-list      { flex-direction: column; align-items: stretch; width: 100%; }
  .nav-list > li > a { padding: 11px 8px; border-bottom: 1px solid var(--light-gray); }
  .nav-quote     { margin-left: 0; margin-top: 10px; text-align: center; }

  .submenu {
    position: static;
    display: none;
    border-top: none;
    border-left: 3px solid var(--accent);
    box-shadow: none;
    background: var(--light-gray);
    padding-left: 12px;
  }
  .submenu .has-submenu .submenu {
    left: 0;
    padding-left: 12px;
    border-left: 3px solid var(--primary);
  }
  .has-submenu.open > .submenu { display: block; }
  .has-submenu:hover > .submenu { display: none; }

  .page-hero h1   { font-size: 1.7rem; }
  .sidebar        { display: block; }
  .contact-cta h2 { font-size: 1.8rem; }
  .contact-cta    { padding: 40px 20px; background: var(--accent); }
  .footer-grid        { grid-template-columns: 1fr; gap: 36px; }
  .footer-nav-cols    { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .topbar          { justify-content: center; gap: 16px; }
  .footer-nav-cols { grid-template-columns: 1fr; }
}