/* Burkholz Insurance Group — shared styles */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy:#132242;
  --navy-deep:#0B152C;
  --ink:#20293B;
  --paper:#EEF0F2;
  --paper-alt:#E2E6EA;
  --brass:#A2793C;
  --brass-light:#C9A465;
  --slate:#5B6472;
  --teal:#3E6459;
  --white:#FFFFFF;
  --line:#D4D9DE;
  --max:1120px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.55;
}
h1,h2,h3,h4{
  font-family:'Fraunces',serif;
  font-weight:600;
  color:var(--navy-deep);
  margin:0 0 .5em;
  letter-spacing:-0.01em;
}
p{margin:0 0 1em;}
a{color:var(--brass);text-decoration:none;}
a:hover{text-decoration:underline;}
img,svg{max-width:100%;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px;}
:focus-visible{outline:3px solid var(--brass-light);outline-offset:2px;}

/* Header */
header.site{
  background:var(--navy-deep);
  color:var(--paper);
  position:sticky;top:0;z-index:50;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 24px;max-width:var(--max);margin:0 auto;gap:16px;
}
.brand{
  display:flex;flex-direction:column;line-height:1.1;color:var(--white);
}
.brand .name{font-family:'Fraunces',serif;font-size:1.25rem;font-weight:700;}
.brand .tag{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-light);margin-top:2px;}
nav.main-nav{display:flex;gap:28px;align-items:center;}
nav.main-nav a{color:var(--paper);font-size:.92rem;font-weight:500;}
nav.main-nav a:hover{color:var(--brass-light);text-decoration:none;}
.call-btn{
  background:var(--brass);color:var(--white)!important;
  padding:10px 18px;border-radius:3px;font-weight:600;font-size:.9rem;
  white-space:nowrap;
}
.call-btn:hover{background:var(--brass-light);text-decoration:none;}

/* Hero */
.hero{
  background:linear-gradient(180deg,var(--navy) 0%, var(--navy-deep) 100%);
  color:var(--paper);
  padding:76px 0 88px;
}
.hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center;}
.hero .eyebrow{
  color:var(--brass-light);text-transform:uppercase;letter-spacing:.16em;
  font-size:.78rem;font-weight:600;margin-bottom:14px;
}
.hero h1{color:var(--white);font-size:2.7rem;line-height:1.08;max-width:14ch;}
.hero p.lead{color:#C6CCD6;font-size:1.1rem;max-width:46ch;margin-top:18px;}
.hero-ctas{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap;}
.btn{
  display:inline-block;padding:13px 24px;border-radius:3px;font-weight:600;
  font-size:.95rem;border:1px solid transparent;cursor:pointer;
}
.btn-primary{background:var(--brass);color:var(--white);}
.btn-primary:hover{background:var(--brass-light);text-decoration:none;}
.btn-ghost{border-color:rgba(255,255,255,.35);color:var(--white);}
.btn-ghost:hover{border-color:var(--brass-light);color:var(--brass-light);text-decoration:none;}

/* Dial signature */
.dial-wrap{display:flex;justify-content:center;}
.dial-caption{text-align:center;margin-top:10px;color:#AEB6C2;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;}
.dial-num{font-family:'Fraunces',serif;font-size:2.4rem;fill:var(--white);font-weight:700;}
.dial-den{font-family:'Fraunces',serif;font-size:1.1rem;fill:#8D96A6;}

/* Stat strip */
.stat-strip{background:var(--paper-alt);border-bottom:1px solid var(--line);}
.stat-strip .wrap{display:flex;padding:22px 24px;gap:0;justify-content:space-between;flex-wrap:wrap;}
.stat{flex:1;min-width:140px;text-align:center;padding:6px 12px;}
.stat .num{font-family:'Fraunces',serif;font-size:1.6rem;color:var(--navy-deep);font-weight:700;}
.stat .label{font-size:.78rem;color:var(--slate);text-transform:uppercase;letter-spacing:.08em;margin-top:2px;}

/* Sections */
section{padding:72px 0;}
.section-head{max-width:640px;margin-bottom:40px;}
.section-head .eyebrow{
  color:var(--brass);text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;
}
.section-head h2{font-size:2rem;margin-top:8px;}
.section-head p{color:var(--slate);}

/* Coverage grid */
.coverage-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;}
.cov-card{
  background:var(--white);border:1px solid var(--line);border-radius:6px;
  padding:26px 24px;position:relative;
}
.cov-card .icon{width:38px;height:38px;color:var(--brass);margin-bottom:14px;}
.cov-card h3{font-size:1.08rem;margin-bottom:8px;}
.cov-card p{color:var(--slate);font-size:.92rem;margin-bottom:0;}

/* Why us */
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px;}
.why-item .num{font-family:'Fraunces',serif;color:var(--brass);font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;margin-bottom:10px;}
.why-item h3{font-size:1.1rem;}
.why-item p{color:var(--slate);font-size:.95rem;}

/* Contact */
.contact-section{background:var(--navy-deep);color:var(--paper);}
.contact-section .section-head .eyebrow{color:var(--brass-light);}
.contact-section .section-head h2{color:var(--white);}
.contact-section .section-head p{color:#B7BFCA;}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;}
.contact-info p{color:#C6CCD6;}
.contact-info h3{color:var(--white);font-size:1.05rem;margin-top:26px;}
.contact-info a{color:var(--brass-light);}
form.quote-form{background:var(--white);border-radius:6px;padding:30px;color:var(--ink);}
.field{margin-bottom:16px;}
.field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px;color:var(--navy-deep);}
.field input,.field select,.field textarea{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:4px;
  font-family:inherit;font-size:.95rem;background:var(--paper);
}
.field textarea{min-height:90px;resize:vertical;}
.consent{
  display:flex;gap:10px;align-items:flex-start;background:var(--paper-alt);
  border:1px solid var(--line);border-radius:4px;padding:14px;margin-bottom:18px;
}
.consent input{margin-top:4px;flex:0 0 auto;width:auto;}
.consent label{font-size:.82rem;color:var(--slate);line-height:1.5;font-weight:400;}
.consent label a{color:var(--brass);text-decoration:underline;}

/* Footer */
footer.site{background:var(--navy-deep);color:#9AA3B0;border-top:1px solid rgba(255,255,255,.08);padding:44px 0 28px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;margin-bottom:32px;}
footer.site h4{color:var(--white);font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px;}
footer.site a{color:#B7BFCA;display:block;font-size:.9rem;margin-bottom:8px;}
footer.site a:hover{color:var(--brass-light);}
.footer-brand .name{font-family:'Fraunces',serif;color:var(--white);font-size:1.15rem;}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.08);padding-top:20px;
  font-size:.78rem;color:#7D8798;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
}
.disclosure{font-size:.78rem;color:#7D8798;max-width:760px;margin-top:10px;}

/* Legal pages */
.legal-hero{background:var(--navy-deep);color:var(--white);padding:52px 0 40px;}
.legal-hero .eyebrow{color:var(--brass-light);text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;}
.legal-hero h1{color:var(--white);font-size:2.1rem;margin-top:10px;}
.legal-hero .updated{color:#AEB6C2;font-size:.88rem;margin-top:8px;}
.legal-body{padding:50px 0 80px;}
.legal-body .wrap{max-width:820px;}
.legal-body h2{font-size:1.25rem;margin-top:2.2em;}
.legal-body h3{font-size:1.05rem;margin-top:1.6em;}
.legal-body p,.legal-body li{color:var(--ink);font-size:.98rem;}
.legal-body ul{padding-left:22px;}
.callout{
  background:var(--white);border:1px solid var(--line);border-left:4px solid var(--brass);
  border-radius:4px;padding:18px 20px;margin:20px 0;
}
.callout strong{color:var(--navy-deep);}
.legal-toc{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:20px 24px;margin-bottom:10px;}
.legal-toc h4{font-family:'Inter';font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--slate);margin-bottom:10px;}
.legal-toc ol{margin:0;padding-left:20px;}
.legal-toc a{font-size:.92rem;}

@media (max-width:860px){
  .hero-inner{grid-template-columns:1fr;}
  .hero h1{font-size:2.1rem;max-width:none;}
  .contact-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  nav.main-nav{display:none;}
}
@media (max-width:560px){
  .footer-grid{grid-template-columns:1fr;}
  .stat-strip .wrap{justify-content:flex-start;}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
}