/* ============================================================
   JCG Insurance — Design tokens (minimal, Apple-inspired)
   ============================================================ */
:root {
  --ink: #1d1d1f;
  --ink-soft: #6e6e73;
  --ink-faint: #86868b;
  --paper: #ffffff;
  --paper-dim: #f5f5f7;
  --black: #000000;
  --near-black: #0b0b0d;
  --accent: #0a5cff;
  --accent-dark: #0846c9;
  --line: rgba(0,0,0,0.08);
  --line-dark: rgba(255,255,255,0.14);

  --serif: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  font-feature-settings: "cv11", "ss01";
}

img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.022em;
  margin: 0 0 0.4em;
  color: var(--ink);
}

h1 { font-size: clamp(2.6rem, 5vw, 4.2rem); font-weight: 600; letter-spacing: -0.028em; }
h2 { font-size: clamp(1.9rem, 3vw, 2.6rem); }
h3 { font-size: 1.2rem; font-weight: 600; }

p { margin: 0 0 1em; max-width: 62ch; color: var(--ink-soft); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 32px; }
@media (max-width: 640px) { .wrap { padding: 0 20px; } }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 980px;
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 500;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease, opacity 0.2s ease;
}

.btn-brass { background: var(--accent); color: #fff; }
.btn-brass:hover { background: var(--accent-dark); }

.btn-outline-dark { border-color: var(--line); color: var(--ink); background: transparent; }
.btn-outline-dark:hover { background: var(--paper-dim); }

.btn-outline-light { border-color: rgba(255,255,255,0.32); color: #fff; background: transparent; }
.btn-outline-light:hover { background: rgba(255,255,255,0.1); border-color: #fff; }

/* ---------- Header / Nav ---------- */
.site-header {
  background: rgba(255,255,255,0.78);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 40;
}

.nav { display: flex; align-items: center; justify-content: space-between; height: 60px; }

.brand { display: flex; align-items: center; gap: 9px; text-decoration: none; color: var(--ink); }
.brand-mark {
  width: 22px; height: 22px;
  border: 1.4px solid var(--ink);
  border-radius: 50%;
  position: relative;
  flex: none;
}
.brand-mark::after, .brand-mark::before {
  content: "";
  position: absolute;
  left: 50%; top: 50%;
  width: 1.2px; height: 10px;
  background: var(--ink);
}
.brand-mark::after { transform: translate(-50%, -50%) rotate(30deg); }
.brand-mark::before { transform: translate(-50%, -50%) rotate(-30deg); }

.brand-name { font-family: var(--serif); font-weight: 600; font-size: 1rem; letter-spacing: -0.01em; color: var(--ink); }

.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 400;
  color: var(--ink-soft);
  padding: 6px 0;
}
.nav-links a:hover { color: var(--ink); }
.nav-links a.current { color: var(--ink); font-weight: 500; }

.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-cta .btn { padding: 8px 18px; font-size: 0.84rem; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; width: 32px; height: 32px; position: relative; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; position: absolute; left: 6px; right: 6px; height: 1.4px; background: var(--ink);
}
.nav-toggle span { top: 15px; }
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }

@media (max-width: 860px) {
  .nav-links {
    position: absolute; top: 60px; left: 0; right: 0;
    background: rgba(255,255,255,0.96);
    backdrop-filter: blur(16px);
    flex-direction: column; align-items: flex-start; gap: 0;
    border-bottom: 1px solid var(--line);
    max-height: 0; overflow: hidden;
    transition: max-height 0.25s ease;
  }
  .nav-links.open { max-height: 320px; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 14px 20px; width: 100%; border-bottom: 1px solid var(--line); }
  .nav-cta .btn-outline-light, .nav-cta .btn-outline-dark { display: none; }
  .nav-toggle { display: block; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--near-black); color: rgba(255,255,255,0.62); margin-top: 140px; }
.footer-top {
  padding: 64px 0 44px;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  border-bottom: 1px solid var(--line-dark);
}
.footer-top h3 { color: #fff; font-size: 0.8rem; margin-bottom: 16px; font-family: var(--sans); font-weight: 500; }
.footer-top p { color: rgba(255,255,255,0.5); font-size: 0.88rem; }
.footer-top ul { list-style: none; margin: 0; padding: 0; }
.footer-top li { margin-bottom: 10px; }
.footer-top a { text-decoration: none; color: rgba(255,255,255,0.62); font-size: 0.88rem; }
.footer-top a:hover { color: #fff; }
.footer-brand { display: flex; align-items: center; gap: 9px; color: #fff; margin-bottom: 14px; text-decoration: none; }
.footer-brand .brand-mark { border-color: rgba(255,255,255,0.7); }
.footer-brand .brand-mark::after, .footer-brand .brand-mark::before { background: rgba(255,255,255,0.7); }
.footer-brand .brand-name { color: #fff; }
.footer-bottom { padding: 20px 0; display: flex; justify-content: space-between; font-size: 0.78rem; color: rgba(255,255,255,0.38); }
@media (max-width: 760px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; gap: 10px; }
}

/* ---------- Ledger list (stats / lists) ---------- */
.ledger { border-top: 1px solid var(--line); }
.ledger-row {
  display: grid;
  grid-template-columns: 28px 1fr auto;
  gap: 20px;
  align-items: baseline;
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}
.ledger-row .num { color: var(--ink-faint); font-size: 0.82rem; font-variant-numeric: tabular-nums; }
.ledger-row h3 { margin: 0 0 4px; font-size: 1.05rem; }
.ledger-row p { margin: 0; font-size: 0.92rem; }
.ledger-row .figure { font-family: var(--serif); font-weight: 500; font-size: 1.15rem; color: var(--ink); white-space: nowrap; }
@media (max-width: 640px) {
  .ledger-row { grid-template-columns: 22px 1fr; }
  .ledger-row .figure { grid-column: 2; }
}

/* ---------- Section helpers ---------- */
section { padding: 110px 0; }
section.tight { padding: 72px 0; }
.section-head { max-width: 640px; margin-bottom: 48px; }
.eyebrow-line { color: var(--accent); font-size: 0.85rem; font-weight: 500; margin-bottom: 16px; }

.bg-navy { background: var(--near-black); color: #fff; }
.bg-navy h2, .bg-navy h1 { color: #fff; }
.bg-navy p { color: rgba(255,255,255,0.62); }
.bg-dim { background: var(--paper-dim); }

hr.rule { border: none; border-top: 1px solid var(--line); margin: 0; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
@media (max-width: 860px) {
  .grid-2 { grid-template-columns: 1fr; gap: 40px; }
  .grid-3 { grid-template-columns: 1fr; }
}

/* ---------- Hero ---------- */
.hero-dark {
  background: var(--paper);
  color: var(--ink);
  padding: 100px 0 0;
}
.hero-dark .hero-eyebrow { color: var(--accent); font-weight: 500; font-size: 0.9rem; }
.hero-dark h1 { color: var(--ink); }
.hero-dark p.lede { color: var(--ink-soft); font-size: 1.2rem; }
.hero-dark .hero-actions { justify-content: center; }

.hero-stats { margin-top: 64px; border-top: 1px solid var(--line); display: flex; }
.hero-stats .stat { flex: 1; text-align: center; padding: 34px 16px; border-right: 1px solid var(--line); }
.hero-stats .stat:last-child { border-right: none; }
.hero-stats .stat svg { width: 22px; height: 22px; stroke: var(--accent); fill: none; stroke-width: 1.4; margin-bottom: 10px; }
.hero-stats .stat .figure { font-family: var(--serif); font-weight: 600; font-size: 1.5rem; color: var(--ink); }
.hero-stats .stat .label { font-size: 0.85rem; color: var(--ink-soft); margin-top: 4px; }
@media (max-width: 760px) {
  .hero-stats { flex-wrap: wrap; }
  .hero-stats .stat { flex: 1 1 50%; border-bottom: 1px solid var(--line); }
}

.hero { padding: 90px 0 70px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 64px; align-items: start; }
.hero-eyebrow { color: var(--accent); font-size: 0.9rem; margin-bottom: 18px; font-weight: 500; }
.hero h1 { max-width: 14ch; }
.hero .lede { font-size: 1.15rem; max-width: 46ch; }
.hero-actions { display: flex; gap: 14px; margin-top: 34px; flex-wrap: wrap; }

/* ---------- Coverage icon-grid ---------- */
.protect-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.protect-item {
  background: var(--paper-dim);
  border: 1px solid transparent;
  border-radius: 20px;
  padding: 38px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  text-decoration: none;
  color: var(--ink);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.protect-item:hover { transform: translateY(-3px); box-shadow: 0 12px 32px rgba(0,0,0,0.08); }
.protect-item .icon-badge {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: rgba(10,92,255,0.1);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 8px;
}
.protect-item svg { width: 24px; height: 24px; stroke: var(--accent); fill: none; stroke-width: 1.6; }
.protect-item h3 { margin: 0; font-size: 1.05rem; color: var(--ink); }
.protect-item p { margin: 0; font-size: 0.86rem; color: var(--ink-soft); }
@media (max-width: 760px) { .protect-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Carrier logo marquee ---------- */
.carrier-marquee {
  overflow: hidden;
  background: var(--paper-dim);
  padding: 34px 0;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.carrier-track { display: flex; gap: 56px; width: max-content; animation: carrier-scroll 34s linear infinite; }
.carrier-track span { font-family: var(--serif); font-weight: 500; font-size: 1.05rem; color: var(--ink-faint); white-space: nowrap; }
@keyframes carrier-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .carrier-track { animation: none; } }

/* ---------- Team grid ---------- */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px 20px; }
.team-card { text-align: center; }
.team-avatar {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--paper-dim);
  margin: 0 auto 12px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-weight: 500; color: var(--ink-soft); font-size: 1rem;
}
.team-card h4 { margin: 0 0 2px; font-size: 0.92rem; font-weight: 500; font-family: var(--sans); }
.team-card .role { font-size: 0.78rem; color: var(--accent); }
@media (max-width: 760px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Market/carrier name grid ---------- */
.market-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.market-grid span {
  display: block;
  background: var(--paper-dim);
  border-radius: 12px;
  padding: 16px 12px;
  text-align: center;
  font-size: 0.88rem;
  font-weight: 400;
  color: var(--ink);
  transition: background-color 0.15s ease;
}
.market-grid span:hover { background: rgba(10,92,255,0.08); color: var(--accent-dark); }
@media (max-width: 760px) { .market-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .market-grid { grid-template-columns: 1fr; } }

/* ---------- Coverage cards (policy lines) ---------- */
.policy-lines { display: grid; gap: 16px; }
.policy-line {
  background: var(--paper-dim);
  border-radius: 20px;
  padding: 34px 30px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.policy-line .tag { font-size: 0.76rem; color: var(--accent); font-weight: 500; }
.policy-line h3 { margin-bottom: 2px; }
.policy-line a.more { font-size: 0.9rem; color: var(--ink); text-decoration: none; align-self: flex-start; margin-top: 6px; font-weight: 500; }
.policy-line a.more:hover { color: var(--accent); }
.policy-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 860px) { .policy-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .policy-grid { grid-template-columns: 1fr; } }

/* ---------- Quote / Contact forms ---------- */
.form-shell { background: var(--paper-dim); border-radius: 24px; padding: 44px; }
@media (max-width: 640px) { .form-shell { padding: 28px; } }

.field { margin-bottom: 20px; }
.field.hidden { display: none; }
.field label { display: block; font-size: 0.84rem; font-weight: 500; color: var(--ink); margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%;
  border: 1px solid var(--line);
  padding: 13px 16px;
  font-family: var(--sans);
  font-size: 0.98rem;
  color: var(--ink);
  background: #fff;
  border-radius: 12px;
}
.field input:focus, .field select:focus, .field textarea:focus,
.type-option input:focus-visible + .type-option-body {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }

.type-picker { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; margin-bottom: 32px; }
@media (max-width: 760px) { .type-picker { grid-template-columns: repeat(2, 1fr); } }
.type-option { position: relative; }
.type-option input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; width: 100%; height: 100%; }
.type-option-body {
  display: block;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px 10px;
  text-align: center;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--ink-soft);
  background: #fff;
}
.type-option input:checked + .type-option-body { border-color: var(--accent); color: var(--accent); background: rgba(10,92,255,0.06); }

.form-note { font-size: 0.85rem; color: var(--ink-soft); margin-top: -8px; }

#form-success { display: none; background: rgba(10,92,255,0.06); border-radius: 20px; padding: 28px 32px; margin-top: 24px; }
#form-success.visible { display: block; }
#form-success h3 { color: var(--ink); }

/* ---------- Timeline ---------- */
.timeline-row { display: grid; grid-template-columns: 100px 1fr; gap: 24px; padding: 26px 0; border-bottom: 1px solid var(--line); }
.timeline-row .year { font-family: var(--serif); font-weight: 600; font-size: 1.3rem; color: var(--accent); }
@media (max-width: 560px) { .timeline-row { grid-template-columns: 70px 1fr; } }

/* ---------- Reveal animation ---------- */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(14px); animation: reveal-in 0.7s ease forwards; }
  @keyframes reveal-in { to { opacity: 1; transform: translateY(0); } }
}

/* ---------- Misc content ---------- */
.quote-block { border-left: 2px solid var(--accent); padding-left: 26px; margin: 0; }
.quote-block p { font-family: var(--serif); font-size: 1.3rem; color: var(--ink); font-style: normal; font-weight: 500; }
.quote-block cite { font-size: 0.88rem; color: var(--ink-soft); font-style: normal; display: block; margin-top: 10px; }

.stat-strip { display: flex; gap: 0; }
.stat { flex: 1; padding: 30px 26px; }
.stat .figure { font-family: var(--serif); font-weight: 600; font-size: 2.1rem; color: #fff; }
.stat .label { font-size: 0.86rem; color: rgba(255,255,255,0.55); margin-top: 4px; }
@media (max-width: 760px) { .stat-strip { flex-wrap: wrap; } .stat { flex: 1 1 50%; } }

.person-card { display: flex; gap: 20px; align-items: flex-start; padding: 26px 0; border-bottom: 1px solid var(--line); }
.person-avatar { width: 120px; height: 120px; border-radius: 50%; background: var(--paper-dim); flex: none; }
.person-card h3 { margin-bottom: 2px; }
.person-role { font-size: 0.86rem; color: var(--accent); margin-bottom: 8px; }

.map-block {
  border-radius: 20px;
  background: var(--paper-dim);
  height: 320px;
  display: flex; align-items: center; justify-content: center;
  color: var(--ink-soft);
  font-size: 0.9rem;
}