/* ============================================================
   Emley Risk Management — stylesheet
   Palette (from brand mockup v11):
     brand blue : #005078
     sky blue   : #29abe2
     ice        : #ecf2f5
     slate      : #606669
     deep navy  : #06222e  (footer / dark sections)
     gold       : #b8860b  (CTAs, stars, accents)
   ============================================================ */

:root {
  --brand: #005078;
  --brand-dark: #003a56;
  --sky: #29abe2;
  --ice: #ecf2f5;
  --slate: #606669;
  --navy: #06222e;
  --gold: #b8860b;
  --gold-dark: #9c7209;
  --ink: #16242b;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(6, 34, 46, 0.08);
  --shadow-lg: 0 20px 50px rgba(6, 34, 46, 0.18);
  --serif: "DM Serif Display", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; margin: 0 0 0.5em; color: var(--brand-dark); }
p { margin: 0 0 1em; }
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.98rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold {
  background: var(--gold);
  color: #241c05;
  border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); }
.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline-light:hover { background: rgba(255,255,255,0.12); }
.btn-navy {
  background: var(--brand);
  color: var(--white);
}
.btn-navy:hover { background: var(--brand-dark); }
.btn-block { width: 100%; }

/* ---------- Top utility bar ---------- */
.topbar {
  background: var(--brand);
  background-image:
    repeating-linear-gradient(135deg, rgba(255,255,255,0.045) 0 2px, transparent 2px 22px);
  color: var(--white);
  font-size: 0.82rem;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px;
  padding-top: 7px;
  padding-bottom: 7px;
}
.topbar .divider { margin: 0 8px; opacity: .6; }

/* ---------- Header / nav ---------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid #eef2f4;
  position: sticky;
  top: 0;
  z-index: 50;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 10px;
  padding-bottom: 10px;
  gap: 20px;
}
.logo-link {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.logo-link img {
  height: 46px;
  width: auto;
  border-radius: 6px;
}
.logo-header-img {
  height: 92px !important;
}
.main-nav {
  display: flex;
  gap: 28px;
  flex: 1;
  justify-content: center;
}
.main-nav a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover { border-color: var(--gold); color: var(--brand); }
.header-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}
.header-phone {
  font-weight: 700;
  color: var(--brand-dark);
  font-size: 1.02rem;
}
.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  cursor: pointer;
  color: var(--brand-dark);
}

/* ---------- Hero ---------- */
.hero {
  background: var(--brand);
  background-image:
    repeating-linear-gradient(135deg, rgba(255,255,255,0.045) 0 2px, transparent 2px 22px);
  color: var(--white);
  padding: 64px 0 120px;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.15fr 0.95fr;
  gap: 56px;
  align-items: start;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 14px;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 em { color: var(--gold); font-style: italic; }
.hero-lede {
  color: #dff0f8;
  font-size: 1.1rem;
  max-width: 48ch;
  margin-bottom: 28px;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.pill-row { display: flex; gap: 12px; flex-wrap: wrap; }
.pill {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.35);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 999px;
}

/* ---------- Quote card ---------- */
.quote-card {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-lg);
  border-top: 5px solid var(--gold);
}
.quote-card h2 { font-size: 1.5rem; margin-bottom: 4px; }
.quote-sub { color: var(--slate); font-size: 0.92rem; margin-bottom: 18px; }
.seg-toggle {
  display: flex;
  background: var(--ice);
  border-radius: 8px;
  padding: 4px;
  margin-bottom: 16px;
}
.seg-toggle button {
  flex: 1;
  border: none;
  background: transparent;
  padding: 10px 0;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: 6px;
  cursor: pointer;
  color: var(--slate);
}
.seg-toggle button.active {
  background: var(--brand);
  color: var(--white);
}
.quote-card form .field-row { display: flex; gap: 12px; margin-bottom: 12px; }
.quote-card input,
.quote-card textarea,
.quote-card select {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid #d7dfe3;
  border-radius: 8px;
  font-family: var(--sans);
  font-size: 0.95rem;
  background: var(--white);
  margin-bottom: 12px;
}
.quote-card textarea { min-height: 72px; resize: vertical; }
.quote-card input:focus, .quote-card textarea:focus, .quote-card select:focus {
  outline: 2px solid var(--sky);
  outline-offset: 1px;
}
.form-fine {
  font-size: 0.78rem;
  color: var(--slate);
  margin-top: 10px;
}
.form-fine a { text-decoration: underline; }
.hp-field { position: absolute; left: -9999px; top: -9999px; }
#form-status {
  margin-top: 12px;
  font-size: 0.92rem;
  font-weight: 600;
}
#form-status.ok { color: #1a7a3c; }
#form-status.err { color: #b0251f; }

/* ---------- Trust bar ---------- */
.trust-bar {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  margin: -72px auto 0;
  max-width: 1130px;
  position: relative;
  z-index: 5;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.trust-item {
  padding: 26px 24px;
  display: flex;
  gap: 14px;
  border-right: 1px solid #eef2f4;
}
.trust-item:last-child { border-right: none; }
.trust-icon {
  width: 42px; height: 42px;
  border-radius: 8px;
  background: var(--ice);
  color: var(--brand);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.trust-item strong { display: block; color: var(--brand-dark); font-size: 0.98rem; }
.trust-item span, .trust-item div.sub { color: var(--slate); font-size: 0.86rem; }

/* ---------- Section scaffolding ---------- */
section { padding: 96px 0; }
.section-head { text-align: center; max-width: 700px; margin: 0 auto 48px; }
.section-head .eyebrow { color: var(--gold-dark); }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); color: var(--brand-dark); }
.section-head p { color: var(--slate); }
.bg-ice { background: var(--ice); }
.bg-navy { background: var(--navy); color: #c9d7dd; }
.bg-navy h2, .bg-navy h3 { color: var(--white); }

/* ---------- Path split (Personal/Business) ---------- */
.path-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.path-card {
  background: var(--white);
  border: 1px solid #e7edf0;
  border-radius: var(--radius);
  padding: 34px;
  border-top: 5px solid var(--brand);
  box-shadow: var(--shadow);
}
.path-card.business { border-top-color: var(--gold); }
.path-card .eyebrow { font-size: 0.78rem; color: var(--brand); }
.path-card.business .eyebrow { color: var(--gold-dark); }
.path-card h3 { font-size: 1.5rem; }
.path-list { list-style: none; margin: 18px 0 24px; padding: 0; }
.path-list li {
  display: flex;
  gap: 10px;
  padding: 11px 0;
  border-bottom: 1px solid #eef2f4;
  color: #3a4850;
  font-size: 0.97rem;
}
.path-list li:last-child { border-bottom: none; }
.path-list li::before { content: "✓"; color: var(--gold-dark); font-weight: 700; }
.path-foot {
  text-align: center;
  margin-top: 28px;
  color: var(--slate);
}
.path-foot a { color: var(--brand); font-weight: 700; text-decoration: underline; }

/* ---------- Reach Steve banner ---------- */
.reach-banner {
  background: var(--sky);
  color: var(--navy);
  padding: 56px 0;
}
.reach-banner .container {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 32px;
  align-items: center;
}
.reach-banner h2 { color: var(--navy); font-size: clamp(1.5rem, 3vw, 2rem); }
.reach-call-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 22px;
  text-align: center;
  box-shadow: var(--shadow);
}
.reach-call-card .label {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
  color: var(--slate);
}
.reach-call-card .num {
  font-family: var(--serif);
  color: var(--brand-dark);
  font-size: 2rem;
  margin-top: 4px;
}

/* ---------- Advisor bio ---------- */
.advisor-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 56px;
  align-items: center;
}
.advisor-photo-wrap { text-align: center; }
.advisor-photo-wrap img {
  border-radius: 50%;
  width: 100%;
  max-width: 320px;
  margin: 0 auto;
  box-shadow: var(--shadow-lg);
  border: 6px solid var(--white);
  outline: 3px solid var(--ice);
}
.advisor-name-card {
  background: var(--white);
  border-radius: 8px;
  box-shadow: var(--shadow);
  padding: 14px 20px;
  margin: -34px auto 0;
  max-width: 280px;
  position: relative;
}
.advisor-name-card strong { display: block; color: var(--brand-dark); }
.advisor-name-card span { color: var(--slate); font-size: 0.88rem; }
blockquote.pull {
  border-left: 4px solid var(--gold);
  margin: 22px 0;
  padding: 4px 0 4px 20px;
  font-family: var(--serif);
  font-size: 1.25rem;
  color: var(--brand-dark);
}
.license-pills { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.license-pills span {
  background: var(--ice);
  color: var(--brand-dark);
  font-weight: 700;
  font-size: 0.82rem;
  padding: 9px 14px;
  border-radius: 999px;
}

/* ---------- Media & publishing feature ---------- */
.feature-dark {
  background: linear-gradient(135deg, var(--brand-dark), var(--navy));
  color: var(--white);
  border-radius: var(--radius);
  padding: 48px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}
.feature-dark .eyebrow { color: var(--gold); }
.feature-dark h2 { color: var(--white); font-size: clamp(1.5rem, 3vw, 2.1rem); }
.feature-dark p { color: #cfe3ec; }
.feature-list { display: flex; flex-direction: column; gap: 14px; }
.feature-list .f-item {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 16px 18px;
}
.feature-list .f-item strong { display: block; color: var(--white); margin-bottom: 4px; }
.feature-list .f-item span { color: #b9d2dd; font-size: 0.9rem; }

/* ---------- Coverage grid ---------- */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.coverage-card {
  background: var(--white);
  border: 1px solid #e7edf0;
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}
.coverage-icon {
  width: 46px; height: 46px;
  border-radius: 8px;
  background: var(--ice);
  color: var(--brand);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 14px;
}
.coverage-card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.coverage-card p { color: var(--slate); font-size: 0.93rem; }
.coverage-card a { color: var(--gold-dark); font-weight: 700; font-size: 0.92rem; }

/* ---------- Process steps ---------- */
.steps-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  position: relative;
  text-align: center;
  gap: 16px;
}
.steps-row::before {
  content: "";
  position: absolute;
  top: 28px; left: 10%; right: 10%;
  height: 2px;
  background-image: linear-gradient(to right, var(--gold) 50%, transparent 50%);
  background-size: 14px 2px;
  z-index: 0;
}
.step-circle {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--brand-dark);
  color: var(--white);
  font-family: var(--serif);
  font-size: 1.3rem;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  border: 3px solid var(--gold);
  position: relative;
  z-index: 1;
}
.step h3 { font-size: 1.1rem; }
.step p { color: var(--slate); font-size: 0.92rem; }

/* ---------- Reviews ---------- */
.reviews-wrap { text-align: center; }
.reviews-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid #d7e3e9;
  border-radius: 999px;
  padding: 14px 24px;
  box-shadow: var(--shadow);
  font-weight: 600;
  color: var(--brand-dark);
}
.reviews-cta .stars { color: var(--gold); }

/* ---------- Insights ---------- */
.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.insight-card {
  border: 1px solid #e7edf0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--white);
}
.insight-top {
  height: 110px;
  background: linear-gradient(135deg, var(--brand-dark), var(--brand));
  display: flex;
  align-items: flex-end;
  padding: 14px 18px;
}
.insight-top span {
  color: var(--gold);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.insight-body { padding: 20px; }
.insight-body h3 { font-size: 1.05rem; margin-bottom: 8px; }
.insight-body p { color: var(--slate); font-size: 0.92rem; }
.insight-body a { color: var(--gold-dark); font-weight: 700; font-size: 0.9rem; }

/* ---------- FAQ + Service area ---------- */
.faq-service-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
}
.faq-item {
  background: var(--white);
  border: 1px solid #e7edf0;
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 20px;
  font-weight: 700;
  color: var(--brand-dark);
  font-size: 1rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}
.faq-q .icon { color: var(--gold-dark); font-size: 1.3rem; }
.faq-a {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  color: var(--slate);
  font-size: 0.94rem;
  transition: max-height .25s ease, padding .25s ease;
}
.faq-item.open .faq-a { padding: 0 20px 18px; max-height: 240px; }
.map-box {
  background: var(--ice);
  border-radius: var(--radius);
  padding: 24px;
  height: 100%;
}
.map-visual {
  background: repeating-linear-gradient(0deg, #dde8ec 0 1px, transparent 1px 28px),
              repeating-linear-gradient(90deg, #dde8ec 0 1px, transparent 1px 28px);
  background-color: #f3f8fa;
  border-radius: 8px;
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--slate);
  font-size: 0.85rem;
  text-align: center;
  margin-bottom: 18px;
  border: 1px solid #dfe9ed;
}
.area-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.area-pills span {
  background: var(--white);
  border: 1px solid #d7e3e9;
  color: var(--brand-dark);
  font-weight: 700;
  font-size: 0.86rem;
  padding: 9px 16px;
  border-radius: 999px;
}

/* ---------- Final CTA ---------- */
.final-cta {
  background: var(--brand);
  color: var(--white);
  text-align: center;
  padding: 90px 0;
}
.final-cta h2 { color: var(--white); font-size: clamp(1.8rem, 4vw, 2.6rem); }
.final-cta p { color: #dff0f8; font-size: 1.05rem; margin-bottom: 30px; }
.final-cta-ctas { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #9eb4bc; padding: 72px 0 28px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 48px;
}
.footer-logo img { height: 48px; width: auto; border-radius: 6px; margin-bottom: 16px; }
.footer-grid h4 {
  color: var(--white);
  font-family: var(--sans);
  font-size: 0.82rem;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-grid a, .footer-grid p { color: #9eb4bc; font-size: 0.92rem; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-grid ul a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  font-size: 0.8rem;
  color: #7f97a0;
  line-height: 1.7;
}
.footer-bottom a { text-decoration: underline; }

/* ---------- Sticky mobile bar ---------- */
.sticky-mobile-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 60;
  background: var(--white);
  box-shadow: 0 -6px 20px rgba(0,0,0,0.12);
}
.sticky-mobile-bar .row { display: grid; grid-template-columns: 1fr 1fr; }
.sticky-mobile-bar a {
  text-align: center;
  padding: 16px 0;
  font-weight: 700;
}
.sticky-mobile-bar .call { background: var(--brand-dark); color: var(--white); }
.sticky-mobile-bar .quote { background: var(--gold); color: #241c05; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; gap: 36px; }
  .trust-bar { grid-template-columns: repeat(2, 1fr); margin-top: -40px; }
  .trust-item { border-right: none; border-bottom: 1px solid #eef2f4; }
  .path-grid { grid-template-columns: 1fr; }
  .reach-banner .container { grid-template-columns: 1fr; text-align: center; }
  .advisor-grid { grid-template-columns: 1fr; }
  .feature-dark { grid-template-columns: 1fr; padding: 32px; }
  .coverage-grid { grid-template-columns: 1fr 1fr; }
  .insights-grid { grid-template-columns: 1fr; }
  .faq-service-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  .steps-row::before { display: none; }
}
@media (max-width: 680px) {
  .main-nav { display: none; }
  .nav-toggle { display: block; }
  .header-phone { display: none; }
  .coverage-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  section { padding: 64px 0; }
  .sticky-mobile-bar { display: block; }
  body { padding-bottom: 58px; }
  .topbar .container { font-size: 0.74rem; justify-content: flex-start; }
}

/* Mobile nav drawer */
.main-nav.open {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 100%;
  left: 0; right: 0;
  background: var(--white);
  padding: 16px 24px 24px;
  box-shadow: var(--shadow);
  gap: 4px;
}
.main-nav.open a { padding: 10px 0; border-bottom: 1px solid #eef2f4; }