/* Spektra Insurance Solutions — spektralife.com
   Plain CSS, no framework. Sized for readers 50+: large base type, high contrast. */

:root {
  --navy: #14284b;
  --navy-2: #1d3a6b;
  --ink: #1b2330;
  --muted: #4a5568;
  --line: #d9dee7;
  --bg: #ffffff;
  --bg-soft: #f4f6fa;
  --accent: #c2410c;      /* warm orange, AA on white for large text and buttons */
  --accent-dark: #9a3412;
  --ok: #166534;
  --error: #b91c1c;
  --radius: 10px;
  --max: 1120px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 18px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}
img { max-width: 100%; height: auto; }
a { color: var(--navy-2); }
a:hover { color: var(--accent-dark); }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .6em; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.1rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }

.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 12px; top: 12px; background: #fff; padding: 8px 12px; z-index: 10; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 5; }
.header-inner { display: flex; align-items: center; gap: 12px 24px; min-height: 76px; flex-wrap: wrap; padding-top: 12px; padding-bottom: 12px; }
.logo { display: flex; flex-direction: column; text-decoration: none; line-height: 1; margin-right: auto; }
.logo-mark { font-family: var(--serif); font-size: 1.75rem; font-weight: 700; color: var(--navy); letter-spacing: .02em; }
.logo-sub { font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); margin-top: 4px; }
.nav { list-style: none; display: flex; gap: 22px; margin: 0; padding: 0; align-items: center; flex-wrap: wrap; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 500; }
.nav a[aria-current="page"]:not(.btn) { color: var(--accent-dark); }
.header-phone { font-weight: 700; color: var(--navy); text-decoration: none; white-space: nowrap; }

/* Buttons */
.btn {
  display: inline-block; background: var(--accent); color: #fff !important; text-decoration: none;
  font-weight: 700; padding: 14px 26px; border-radius: var(--radius); border: 0; cursor: pointer;
  font-size: 1.05rem; font-family: var(--font);
}
.btn:hover { background: var(--accent-dark); }
.btn-small { padding: 9px 16px; font-size: .95rem; }
.btn-ghost { background: transparent; color: var(--navy) !important; border: 2px solid var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff !important; }

/* Sections */
section { padding: 64px 0; }
.soft { background: var(--bg-soft); }
.hero { background: linear-gradient(180deg, #eef2f9 0%, #fff 100%); padding: 72px 0 56px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: start; }
.lead { font-size: 1.2rem; color: var(--muted); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 24px 0 12px; }
.small { font-size: .92rem; color: var(--muted); }
.checklist { list-style: none; padding: 0; margin: 20px 0; }
.checklist li { padding-left: 32px; position: relative; margin-bottom: 10px; }
.checklist li::before { content: "\2713"; position: absolute; left: 0; color: var(--ok); font-weight: 700; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.card h3 { margin-top: 0; }
.step-num { display: inline-flex; width: 40px; height: 40px; border-radius: 50%; background: var(--navy);
  color: #fff; align-items: center; justify-content: center; font-weight: 700; margin-bottom: 12px; }

.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); font-size: 1.1rem; }
.faq details p { margin: 12px 0 0; }

.cta-band { background: var(--navy); color: #fff; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #dbe3f0; }

/* Legal pages */
.legal h2 { font-size: 1.45rem; margin-top: 1.6em; }
.legal h3 { margin-top: 1.2em; }
.legal ul { padding-left: 1.3em; }
.legal li { margin-bottom: .4em; }
.updated { color: var(--muted); font-size: .95rem; }
.callout { background: var(--bg-soft); border-left: 4px solid var(--navy); padding: 16px 20px; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.2em 0; }

/* Form */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 28px; box-shadow: 0 6px 24px rgba(20, 40, 75, .08); }
.form-card h2 { font-size: 1.5rem; margin-bottom: .3em; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: .98rem; }
.field input, .field select {
  width: 100%; font-size: 1.05rem; padding: 12px 12px; border: 1.5px solid #b8c1d1; border-radius: 8px;
  font-family: var(--font); background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus { border-color: var(--navy-2); outline: none; box-shadow: 0 0 0 3px rgba(29, 58, 107, .18); }
.req { color: var(--error); }

.consent { border: 1px solid var(--line); border-radius: 8px; padding: 14px 14px 4px; margin: 10px 0 14px; background: var(--bg-soft); }
.consent legend { font-weight: 700; padding: 0 6px; font-size: .98rem; }
.consent-item { display: grid; grid-template-columns: 26px 1fr; gap: 10px; margin-bottom: 12px; align-items: start; }
.consent-item input { width: 22px; height: 22px; margin: 3px 0 0; }
.consent-item label { font-size: .86rem; line-height: 1.5; color: var(--ink); }
.consent-item label strong { display: block; font-size: .95rem; margin-bottom: 2px; }
.form-note { font-size: .82rem; color: var(--muted); line-height: 1.5; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin-top: 12px; font-weight: 600; }
.form-status.error { color: var(--error); }
.form-status.ok { color: var(--ok); }
.btn[disabled] { opacity: .6; cursor: wait; }

/* Footer */
.site-footer { background: #0f1f3b; color: #c9d3e3; padding: 48px 0 24px; font-size: .95rem; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; }
.footer-brand { font-family: var(--serif); font-size: 1.3rem; color: #fff; margin-bottom: .5em; }
.footer-heading { color: #fff; font-weight: 700; margin-bottom: .5em; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 6px; }
.footer-legal { border-top: 1px solid #2a3d61; margin-top: 32px; padding-top: 20px; font-size: .84rem; color: #a9b6cc; }

/* Responsive */
@media (max-width: 900px) {
  .hero-grid, .cards, .footer-grid { grid-template-columns: 1fr; }
  .header-phone { display: none; }
}
@media (max-width: 560px) {
  body { font-size: 17px; }
  .form-row { grid-template-columns: 1fr; }
  .nav { gap: 14px; font-size: .95rem; }
  section { padding: 48px 0; }
  .form-card { padding: 20px; }
}

/* Homepage quote card (links to /get-a-quote; no form on the homepage) */
.quote-cta .quote-steps { list-style: none; counter-reset: qs; padding: 0; margin: 20px 0 24px; }
.quote-cta .quote-steps li { counter-increment: qs; position: relative; padding-left: 48px; margin-bottom: 18px; line-height: 1.5; }
.quote-cta .quote-steps li::before { content: counter(qs); position: absolute; left: 0; top: 0; width: 32px; height: 32px; border-radius: 50%; background: #eef2f9; color: var(--navy, #14284b); font-weight: 700; display: flex; align-items: center; justify-content: center; }
.btn-block { display: block; width: 100%; text-align: center; box-sizing: border-box; }
.center { text-align: center; }
.quote-cta .small.center { margin-top: 14px; }