/* ============================================================
   American Cover Connect — classic business-theme look
   Palette: navy (#1a2342) + brand red (#b32d2e) on white/light-grey,
   Merriweather display / Source Sans Pro body — the serif+sans,
   boxed-section pairing typical of pre-2018 WordPress business themes.
   ============================================================ */

:root {
  --navy: #1a2342;
  --navy-2: #0f1626;
  --accent: #b32d2e;
  --accent-2: #8f2423;
  --bg: #ffffff;
  --bg-alt: #f5f6fa;
  --text: #2d3142;
  --text-muted: #6b7280;
  --border: #e5e7eb;
  --font-display: 'Merriweather', Georgia, 'Times New Roman', serif;
  --font-body: 'Source Sans Pro', -apple-system, 'Segoe UI', Arial, sans-serif;
}

* { margin: 0; padding: 0; outline: none; box-sizing: border-box; }
img { border: 0; max-width: 100%; }
input, button, select, textarea { font-family: inherit; font-size: inherit; line-height: inherit; }
html { scroll-behavior: smooth; }
body { background: var(--bg); font: 16px/1.6 var(--font-body); color: var(--text); }
ul { list-style: none; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--navy); text-wrap: balance; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

.container { max-width: 1170px; min-width: 320px; margin: 0 auto; padding: 0 20px; position: relative; }

/* ---------- Top utility bar ---------- */
.topbar { background: var(--navy-2); color: #c7cbdb; font-size: 13px; }
.topbar .container { display: flex; align-items: center; justify-content: space-between; min-height: 38px; flex-wrap: wrap; gap: 6px 0; }
.topbar-tagline { font-weight: 400; }
.topbar-cta { color: #fff; text-decoration: none; font-weight: 700; letter-spacing: .02em; }
.topbar-cta:hover { color: var(--accent); }

/* ---------- Header ---------- */
header { background: #fff; border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 50; transition: box-shadow .25s ease; }
header.is-scrolled { box-shadow: 0 6px 18px rgba(15,22,38,.1); }
header .container { display: flex; align-items: center; justify-content: space-between; min-height: 84px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; font-family: var(--font-display); font-weight: 900; font-size: 21px; color: var(--navy); text-transform: uppercase; letter-spacing: .01em; }
.logo .logo-bar { width: 5px; height: 28px; background: var(--accent); display: inline-block; }
.main-nav { display: flex; align-items: center; gap: 30px; }
.main-nav a:not(.btn) { text-decoration: none; color: var(--navy); font-weight: 600; font-size: 15px; letter-spacing: .01em; padding: 6px 0; border-bottom: 2px solid transparent; transition: color .2s ease, border-color .2s ease; }
.main-nav a:not(.btn):hover { color: var(--accent); border-color: var(--accent); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 0 30px; height: 52px; background: var(--accent); background-image: linear-gradient(135deg, var(--accent) 0%, var(--accent-2) 100%); background-size: 160% 100%; background-position: 0 0; color: #fff; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; font-size: 14px; text-decoration: none; border: none; border-radius: 3px; cursor: pointer; box-shadow: 0 10px 22px rgba(179,45,46,.28); transition: background-position .45s ease, box-shadow .25s ease, transform .15s ease; }
.btn:hover { background-position: 100% 0; box-shadow: 0 14px 28px rgba(179,45,46,.4); transform: translateY(-2px); }
.btn:active { transform: translateY(0) scale(.98); }
.btn-lg { height: 58px; padding: 0 38px; font-size: 15px; }
.btn-outline { background: transparent; background-image: none; color: #fff; border: 2px solid rgba(255,255,255,.6); box-shadow: none; }
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: #fff; }

/* ---------- Hero ---------- */
.hero { position: relative; color: #fff; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; }
.hero-bg::after { content: ''; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(15,22,38,.93) 0%, rgba(15,22,38,.82) 42%, rgba(26,35,66,.55) 100%); }
.hero .container { position: relative; padding: 110px 20px 100px; }
.hero-eyebrow { display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #ff9b94; margin-bottom: 18px; animation: fadeUp .6s ease both; }
.hero h1 { color: #fff; font-size: 54px; line-height: 1.15; max-width: 640px; margin-bottom: 20px; animation: fadeUp .6s .08s ease both; }
.hero p { font-size: 19px; line-height: 1.6; color: #d7dae6; max-width: 520px; margin-bottom: 34px; animation: fadeUp .6s .16s ease both; }
.hero .btn-row { display: flex; gap: 16px; flex-wrap: wrap; animation: fadeUp .6s .24s ease both; }

@keyframes fadeUp { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: translateY(0); } }

/* ---------- Section heading ---------- */
.section-head { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-head .eyebrow { display: block; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.section-head h2 { font-size: 34px; margin-bottom: 14px; }
.section-head p { color: var(--text-muted); font-size: 17px; line-height: 1.6; }

.section { padding: 86px 0; }
.section-alt { background: var(--bg-alt); }

/* ---------- Trust / feature strip ---------- */
.feature-strip { background: #fff; border-bottom: 1px solid var(--border); }
.feature-strip .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.feature-item { text-align: center; padding: 42px 20px; border-left: 1px solid var(--border); transition: background .2s ease; }
.feature-item:first-child { border-left: none; }
.feature-item:hover { background: var(--bg-alt); }
.feature-item .ico { width: 56px; height: 56px; margin: 0 auto 16px; display: flex; align-items: center; justify-content: center; border-radius: 50%; background: rgba(179,45,46,.08); transition: transform .25s ease; }
.feature-item:hover .ico { transform: translateY(-3px) scale(1.05); }
.feature-item .ico img { width: 26px; height: 26px; }
.feature-item strong { display: block; font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.feature-item span { font-size: 13px; color: var(--text-muted); }

/* ---------- Coverage card grid ---------- */
.coverage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.coverage-card { background: #fff; border: 1px solid var(--border); border-radius: 6px; padding: 30px 22px; text-align: center; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.coverage-card:hover { transform: translateY(-5px); box-shadow: 0 18px 36px rgba(15,22,38,.1); border-color: rgba(179,45,46,.3); }
.coverage-card .ico { width: 48px; height: 48px; margin: 0 auto 16px; border-radius: 50%; border: 2px solid rgba(179,45,46,.25); display: flex; align-items: center; justify-content: center; }
.coverage-card .ico img { width: 24px; height: 24px; }
.coverage-card h3 { font-family: var(--font-body); font-size: 15px; font-weight: 700; color: var(--navy); line-height: 1.4; }
.coverage-note { text-align: center; color: var(--text-muted); font-size: 14px; margin-top: 36px; }

/* ---------- Why-us panel ---------- */
.why-panel { display: flex; align-items: center; gap: 60px; }
.why-panel-media { flex: 1 1 420px; position: relative; }
.why-panel-media::before { content: ''; position: absolute; top: -16px; left: -16px; width: 100%; height: 100%; border: 6px solid rgba(179,45,46,.18); border-radius: 6px; z-index: 0; }
.why-panel-media img { position: relative; z-index: 1; display: block; width: 100%; border-radius: 6px; box-shadow: 0 25px 50px rgba(15,22,38,.18); }
.why-panel-badge { position: absolute; z-index: 2; bottom: -22px; right: -22px; background: var(--navy); color: #fff; border-radius: 6px; padding: 18px 24px; box-shadow: 0 16px 34px rgba(15,22,38,.3); text-align: center; }
.why-panel-badge strong { display: block; font-family: var(--font-display); font-size: 26px; line-height: 1; margin-bottom: 4px; color: #fff; }
.why-panel-badge span { font-size: 12px; text-transform: uppercase; letter-spacing: .08em; color: #c7cbdb; }
.why-panel-text { flex: 1 1 420px; }
.why-panel-text .eyebrow { display: block; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.why-panel-text h2 { font-size: 32px; margin-bottom: 22px; }
.why-panel-text ul li { display: flex; gap: 14px; padding: 12px 0; border-top: 1px solid var(--border); font-size: 16px; color: var(--text); }
.why-panel-text ul li:first-of-type { border-top: none; }
.why-panel-text ul li .check { flex-shrink: 0; width: 24px; height: 24px; border-radius: 50%; background: var(--accent); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 900; margin-top: 2px; }

/* ---------- Lead form ---------- */
.lead-form-wrap { background: #fff; border: 1px solid var(--border); border-radius: 8px; padding: 56px; box-shadow: 0 25px 60px rgba(15,22,38,.08); transition: box-shadow .3s ease, border-color .3s ease; }
.lead-form-wrap:focus-within { border-color: rgba(179,45,46,.4); box-shadow: 0 25px 60px rgba(15,22,38,.08), 0 0 0 4px rgba(179,45,46,.08); }
.lead-form { max-width: 720px; margin: 0 auto; }
.lead-form-row { display: flex; gap: 20px; margin-bottom: 18px; }
.lead-form-field { flex: 1; }
.lead-form-field-full { margin-bottom: 18px; }
.lead-form-field label, .lead-form-field-full label { display: block; font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 8px; color: var(--navy); }
.lead-form input[type="text"], .lead-form input[type="tel"], .lead-form input[type="email"], .lead-form select, .lead-form textarea { width: 100%; padding: 13px 16px; background: var(--bg-alt); border: 1px solid var(--border); border-radius: 4px; color: var(--text); font-size: 15px; transition: border-color .2s ease, background .2s ease; }
.lead-form input::placeholder, .lead-form textarea::placeholder { color: #9aa0b4; }
.lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus { border-color: var(--accent); background: #fff; }
.lead-form select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='2' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; }
.lead-form textarea { resize: vertical; }
.lead-form-honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.lead-form-consent { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; line-height: 1.6; color: var(--text-muted); font-weight: 400; margin-bottom: 26px; cursor: pointer; }
.lead-form-consent input { margin-top: 3px; width: 16px; height: 16px; flex-shrink: 0; }
.lead-form button[type="submit"] { display: block; width: 100%; }
.lead-form-status { margin-top: 16px; text-align: center; font-weight: 700; font-size: 15px; }
.lead-form-status.success { color: var(--accent); }
.lead-form-status.error { color: #c0392b; }

/* ---------- Process steps ---------- */
.process { position: relative; }
.process-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }
.process-list::before { content: ''; position: absolute; top: 34px; left: calc(100% / 6); right: calc(100% / 6); height: 2px; background: repeating-linear-gradient(to right, var(--border) 0 10px, transparent 10px 20px); z-index: 0; }
.process-step { position: relative; z-index: 1; text-align: center; }
.process-step .num { width: 68px; height: 68px; margin: 0 auto 22px; border-radius: 50%; background: #fff; border: 2px solid var(--accent); color: var(--accent); font-family: var(--font-display); font-weight: 900; font-size: 26px; display: flex; align-items: center; justify-content: center; box-shadow: 0 10px 24px rgba(179,45,46,.15); transition: transform .25s ease, background .25s ease, color .25s ease; }
.process-step:hover .num { transform: translateY(-4px); background: var(--accent); color: #fff; }
.process-step h3 { font-size: 19px; margin-bottom: 10px; }
.process-step p { color: var(--text-muted); font-size: 15px; line-height: 1.6; max-width: 260px; margin: 0 auto; }

/* ---------- CTA banner ---------- */
.cta-banner { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; text-align: center; padding: 76px 0; }
.cta-banner h2 { color: #fff; font-size: 32px; margin-bottom: 16px; }
.cta-banner p { color: #c7cbdb; font-size: 17px; margin-bottom: 32px; }

/* ---------- Footer ---------- */
footer { background: var(--navy-2); color: #aab0c4; }
.footer-main { padding: 70px 0 50px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 50px; }
.footer-col h4 { color: #fff; font-family: var(--font-body); font-size: 15px; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 20px; }
.footer-col p { font-size: 14px; line-height: 1.7; margin-bottom: 18px; }
.footer-col .logo { color: #fff; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 11px; }
.footer-col ul li a { font-size: 14px; text-decoration: none; color: #aab0c4; transition: color .2s ease, padding-left .2s ease; }
.footer-col ul li a:hover { color: var(--accent); padding-left: 4px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 26px 0; }
.footer-bottom .container { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; font-size: 12px; color: #7d84a0; }
.footer-disclaimer { max-width: 760px; margin: 0 auto; padding: 24px 0 0; text-align: center; font-size: 12px; line-height: 1.7; color: #7d84a0; }
.footer-disclaimer strong { color: #c7cbdb; }

/* ---------- Simple header/footer (legal pages) ---------- */
.header-simple .container { justify-content: flex-start; gap: 24px; }
.header-simple .back-link { font-size: 14px; font-weight: 600; color: var(--text-muted); text-decoration: none; }
.header-simple .back-link:hover { color: var(--accent); }
.footer-simple .container { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; padding: 30px 20px; }
.footer-simple ul { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-simple ul li a { font-size: 14px; color: #aab0c4; text-decoration: none; }
.footer-simple ul li a:hover { color: var(--accent); }

/* ---------- Legal pages ---------- */
.legal-page { padding: 70px 0 90px; max-width: 820px; margin: 0 auto; }
.legal-page h1 { font-size: 36px; margin-bottom: 10px; }
.legal-page .updated { color: var(--text-muted); font-size: 14px; margin-bottom: 40px; }
.legal-page h2 { font-size: 21px; margin: 36px 0 14px; color: var(--accent); font-family: var(--font-body); font-weight: 700; }
.legal-page p, .legal-page li { font-size: 15px; line-height: 1.7; color: var(--text); margin-bottom: 14px; }
.legal-page ul { list-style: disc; padding-left: 22px; }
.legal-page a { color: var(--accent); }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s cubic-bezier(.22,1,.36,1), transform .6s cubic-bezier(.22,1,.36,1); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero h1 { font-size: 44px; }
  .coverage-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .topbar .container { justify-content: center; text-align: center; }
  .main-nav { display: none; }
  header .container { min-height: 64px; }
  .hero .container { padding: 70px 20px; }
  .hero h1 { font-size: 36px; max-width: 100%; }
  .hero p { max-width: 100%; }
  .feature-strip .container { grid-template-columns: repeat(2, 1fr); }
  .feature-item { border-left: none; border-top: 1px solid var(--border); }
  .feature-item:nth-child(1), .feature-item:nth-child(2) { border-top: none; }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .why-panel { flex-direction: column; }
  .why-panel-media { max-width: 420px; }
  .why-panel-badge { right: 0; }
  .process-list { grid-template-columns: 1fr; gap: 50px; }
  .process-list::before { display: none; }
  .lead-form-wrap { padding: 34px 24px; }
  .lead-form-row { flex-direction: column; gap: 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .section { padding: 60px 0; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 30px; }
  .coverage-grid { grid-template-columns: 1fr; }
  .footer-bottom .container { flex-direction: column; text-align: center; }
}