/* Cacho Insurance Agency brand kit: 60% white, 30% teal, 10% red. Dark blue text. */
:root {
  --teal: #00A8A8;
  --teal-dark: #008A8A;
  --teal-soft: #E6F6F6;
  --red: #D1224D;
  --blue: #1F628E;
  --ink: #163E5A;
  --muted: #4E6B80;
  --line: #D9E6EC;
  --bg: #FFFFFF;
  --bg-alt: #F5FAFB;
  --radius: 14px;
  --font: Calibri, Carlito, "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 18px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); }
h1, h2, h3 { color: var(--blue); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.3rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.section { padding: 80px 0; }
.section.alt { background: var(--bg-alt); }
.eyebrow {
  display: inline-block; font-size: .85rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--teal-dark); margin-bottom: 12px;
}
.lead { font-size: 1.2rem; color: var(--muted); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 24px; border-radius: 999px; font-weight: 700; font-size: 1.05rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, background .15s ease;
  font-family: inherit;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--red); color: #fff; }
.btn-primary:hover { background: #B81B42; }
.btn-ghost { background: #fff; color: var(--blue); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--teal); }
.btn-teal { background: var(--teal); color: #fff; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line); backdrop-filter: blur(6px);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { width: 42px; height: 42px; flex: none; }
.brand-text { line-height: 1; }
.brand-text b { display: block; color: var(--red); font-size: 1.35rem; letter-spacing: .06em; }
.brand-text span { display: block; color: var(--teal-dark); font-size: .68rem; font-weight: 700; letter-spacing: .14em; margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: 1rem; }
.nav a:hover { color: var(--teal-dark); }
.nav .btn { padding: 10px 18px; font-size: .95rem; color: #fff; }
@media (max-width: 820px) { .nav a:not(.btn) { display: none; } }

/* Hero */
.hero { padding: 72px 0 64px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; }
.hero h1 span { color: var(--teal-dark); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 22px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: .95rem; color: var(--muted); }
.trust-row span::before { content: ""; display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--teal); margin-right: 8px; vertical-align: middle; }
.hero-card {
  background: var(--teal); color: #fff; border-radius: 22px; padding: 32px;
  box-shadow: 0 20px 50px rgba(0, 120, 120, .18); position: relative; overflow: hidden;
}
.hero-card::after {
  content: ""; position: absolute; right: -60px; bottom: -60px; width: 200px; height: 200px;
  border-radius: 50%; background: rgba(255,255,255,.12);
}
.hero-card h3 { color: #fff; font-size: 1.3rem; }
.hero-card ul { list-style: none; padding: 0; margin: 18px 0 0; }
.hero-card li { display: flex; gap: 12px; padding: 10px 0; border-top: 1px solid rgba(255,255,255,.25); }
.hero-card li:first-child { border-top: 0; }
.tick { flex: none; width: 24px; height: 24px; border-radius: 50%; background: #fff; color: var(--teal-dark); display: grid; place-items: center; font-weight: 800; font-size: .85rem; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }

/* Gaps */
.gap-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 40px; }
.gap { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.gap .num { font-weight: 800; color: var(--red); font-size: .9rem; letter-spacing: .08em; }
.gap h3 { margin-top: 8px; }
.gap p { color: var(--muted); font-size: 1rem; margin: 0; }
@media (max-width: 960px) { .gap-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .gap-grid { grid-template-columns: 1fr; } }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px; counter-reset: step; }
.step { position: relative; padding: 28px 24px 24px; border-radius: var(--radius); background: var(--teal-soft); }
.step::before {
  counter-increment: step; content: counter(step);
  width: 44px; height: 44px; border-radius: 50%; background: var(--teal); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 1.2rem; margin-bottom: 14px;
}
.step p { color: var(--muted); margin: 0; font-size: 1rem; }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }

/* Why */
.why-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
.why-list { display: grid; gap: 18px; }
.why-item { display: flex; gap: 16px; }
.why-item .icon { flex: none; width: 48px; height: 48px; border-radius: 50%; background: var(--teal); display: grid; place-items: center; }
.why-item .icon svg { width: 24px; height: 24px; stroke: #fff; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.why-item p { margin: 0; color: var(--muted); font-size: 1rem; }
.quote-box { border-left: 4px solid var(--red); padding: 6px 0 6px 20px; margin-top: 28px; font-size: 1.25rem; color: var(--blue); font-weight: 700; }
@media (max-width: 900px) { .why-grid { grid-template-columns: 1fr; } }

/* Coverage cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; background: #fff; }
.card .icon { width: 44px; height: 44px; border-radius: 50%; background: var(--teal-soft); display: grid; place-items: center; margin-bottom: 14px; }
.card .icon svg { width: 22px; height: 22px; stroke: var(--teal-dark); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card p { color: var(--muted); font-size: 1rem; margin: 0; }
.card.featured { border-color: var(--teal); box-shadow: 0 0 0 1px var(--teal) inset; }
.tag { display: inline-block; font-size: .75rem; font-weight: 700; color: #fff; background: var(--red); padding: 2px 10px; border-radius: 999px; margin-bottom: 10px; }
.card .fine { font-size: .82rem; margin-top: 12px; color: var(--muted); }
@media (max-width: 900px) { .cards { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .cards { grid-template-columns: 1fr; } }

/* FAQ */
.faq { max-width: 800px; margin: 36px auto 0; }
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--blue); font-size: 1.1rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--teal-dark); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 12px 0 0; color: var(--muted); }

/* Lead form */
.lead-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.form-card { background: #fff; border-radius: 22px; padding: 32px; border: 1px solid var(--line); box-shadow: 0 16px 40px rgba(31, 98, 142, .08); }
.field { margin-bottom: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { display: block; font-weight: 700; font-size: .95rem; margin-bottom: 6px; color: var(--ink); }
label .opt { font-weight: 400; color: var(--muted); }
input, select, textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px;
  font: inherit; font-size: 1rem; color: var(--ink); background: #fff;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(0,168,168,.15); }
textarea { min-height: 90px; resize: vertical; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--muted); margin: 6px 0 18px; }
.consent input { width: 20px; height: 20px; margin-top: 3px; flex: none; accent-color: var(--teal); }
.form-note { font-size: .85rem; color: var(--muted); margin-top: 12px; }
.form-error { display: none; background: #FDEEF2; color: #8E1433; border-radius: 10px; padding: 12px 14px; font-size: .95rem; margin-top: 14px; }
.hp { position: absolute; left: -9999px; }
.contact-lines { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 12px; }
.contact-lines a { font-weight: 700; text-decoration: none; }
@media (max-width: 900px) { .lead-grid { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; } .form-card { padding: 22px; } }

/* CTA band */
.cta-band { background: var(--blue); color: #fff; border-radius: 22px; padding: 44px; display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin: 0; }
.cta-band p { margin: 6px 0 0; opacity: .9; }

/* Footer */
.site-footer { background: #0F3550; color: #CFE0EA; padding: 56px 0 28px; font-size: .95rem; }
.site-footer a { color: #fff; }
.foot-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 36px; }
.site-footer h4 { color: #fff; margin: 0 0 10px; font-size: 1rem; }
.site-footer p { margin: 0 0 8px; }
.disclosures { border-top: 1px solid rgba(255,255,255,.15); margin-top: 36px; padding-top: 22px; font-size: .82rem; color: #A9C3D3; }
.disclosures p { margin-bottom: 10px; }
.bir-badge { max-width: 160px; background: #fff; border-radius: 8px; padding: 6px; margin-top: 10px; }
@media (max-width: 820px) { .foot-grid { grid-template-columns: 1fr; } }

/* Floating chat */
.float-chat { position: fixed; right: 16px; bottom: 16px; z-index: 60; display: flex; flex-direction: column; gap: 8px; }
.float-chat a { display: flex; align-items: center; gap: 8px; padding: 12px 16px; border-radius: 999px; color: #fff; font-weight: 700; text-decoration: none; font-size: .95rem; box-shadow: 0 8px 22px rgba(0,0,0,.18); }
.float-chat .viber { background: #7360F2; }
.float-chat .wa { background: #1FA855; }
@media (min-width: 900px) { .float-chat a span.long { display: inline; } }

/* Simple pages */
.page { padding: 64px 0 80px; }
.page .wrap { max-width: 820px; }
.page h2 { font-size: 1.4rem; margin-top: 36px; }
.page li { margin-bottom: 6px; }
.thanks { text-align: center; padding: 90px 0; }
.thanks .big-tick { width: 84px; height: 84px; border-radius: 50%; background: var(--teal); color: #fff; display: grid; place-items: center; margin: 0 auto 24px; font-size: 2.4rem; font-weight: 800; }
.next-steps { text-align: left; max-width: 560px; margin: 32px auto; background: var(--bg-alt); border-radius: var(--radius); padding: 24px 28px; }
.next-steps ol { margin: 0; padding-left: 20px; }
.next-steps li { margin-bottom: 8px; }