/* =========================================================================
   Honest-T Insurance — shared design system
   Extracted from the approved mockup (Honest-T_Website_Mockup.html).
   Fonts: Fraunces (serif headings) + Inter (sans body). Palette: teal + amber.
   ========================================================================= */

:root{
  --ink:#16302b;
  --teal:#0e5b57;
  --teal-dk:#0a423f;
  --teal-soft:#e7f0ee;
  --sand:#f7f3ec;
  --card:#ffffff;
  --amber:#d68a2c;
  --amber-soft:#fbead2;
  --muted:#586a65;
  --line:#e3ddd2;
  --shadow:0 1px 2px rgba(16,48,43,.04),0 8px 24px rgba(16,48,43,.06);
  --serif:"Fraunces",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;background:var(--sand);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em;margin:0}
p{margin:0 0 1rem}
a{color:inherit}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:auto}
.skip:focus{left:16px;top:10px;z-index:200;background:#fff;color:var(--teal-dk);padding:10px 14px;border-radius:8px;box-shadow:var(--shadow)}

/* ---- nav ---- */
header.nav{position:sticky;top:0;z-index:50;background:rgba(247,243,236,.92);backdrop-filter:saturate(140%) blur(8px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;gap:20px;height:64px;max-width:1080px;margin:0 auto;padding:0 24px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;font-size:20px;color:var(--teal-dk);text-decoration:none;white-space:nowrap}
.mark{width:36px;height:36px;border-radius:10px;background:linear-gradient(150deg,#0e5b57,#0a423f);display:grid;place-items:center;color:#fff;box-shadow:var(--shadow);flex:none}
.mark svg{width:21px;height:21px;display:block}
.tmark{color:var(--amber)}
footer .tmark{color:var(--amber)}
nav.links{margin-left:auto;display:flex;align-items:center;gap:26px}
nav.links a{font-size:14.5px;font-weight:500;color:var(--ink);text-decoration:none;opacity:.82;transition:opacity .15s}
nav.links a:hover{opacity:1}
nav.links a[aria-current="page"]{opacity:1;color:var(--teal-dk);font-weight:600;position:relative}
nav.links a[aria-current="page"]:after{content:"";position:absolute;left:0;right:0;bottom:-22px;height:2px;background:var(--amber);border-radius:2px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--sans);font-weight:600;font-size:14.5px;padding:11px 20px;border-radius:10px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .05s, box-shadow .15s, background .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--amber);color:#3a2404;box-shadow:var(--shadow)}
.btn-primary:hover{background:#e0962f}
.btn-ghost{background:transparent;color:var(--teal-dk);border-color:var(--teal)}
.btn-ghost:hover{background:var(--teal-soft)}
.btn-white{background:#fff;color:var(--teal-dk);box-shadow:var(--shadow)}
.nav .btn{padding:9px 16px}
.menu-btn{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:6px}
.menu-btn svg{display:block}
#m a[aria-current="page"]{color:var(--teal-dk);font-weight:600}

/* ---- home hero ---- */
.hero{position:relative;overflow:hidden;background:linear-gradient(160deg,#0e5b57 0%,#0a423f 100%);color:#eef6f4}
.hero:before{content:"";position:absolute;inset:0;background:
  radial-gradient(600px 300px at 85% -10%,rgba(214,138,44,.22),transparent 60%),
  radial-gradient(500px 340px at 5% 110%,rgba(255,255,255,.08),transparent 60%);pointer-events:none}
.hero-in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding:74px 24px 78px;max-width:1080px;margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#9fd3cb;margin-bottom:18px}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--amber)}
.hero h1{font-size:clamp(32px,4.6vw,50px);color:#fff;font-weight:600;margin-bottom:18px}
.hero p.lead{font-size:clamp(16px,1.6vw,19px);color:#d3e6e2;max-width:33ch;margin-bottom:28px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:26px}
.trust{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:13.5px;color:#bcd8d3}
.trust span{display:inline-flex;align-items:center;gap:7px}
.trust svg{flex:none}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:24px;backdrop-filter:blur(4px)}
.hero-card h4{font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:#9fd3cb;margin:0 0 14px;font-weight:700}
.hero-list{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.hero-list li{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;color:#e9f3f1}
.hero-list .ic{flex:none;width:30px;height:30px;border-radius:8px;background:rgba(214,138,44,.16);display:grid;place-items:center;color:#f2c88a}

/* ---- interior page header (sub-hero) ---- */
.subhero{position:relative;overflow:hidden;background:linear-gradient(160deg,#0e5b57 0%,#0a423f 100%);color:#eef6f4}
.subhero:before{content:"";position:absolute;inset:0;background:
  radial-gradient(560px 280px at 90% -20%,rgba(214,138,44,.2),transparent 60%);pointer-events:none}
.subhero-in{position:relative;max-width:1080px;margin:0 auto;padding:56px 24px 58px}
.subhero .kicker{color:var(--amber);margin-bottom:12px}
.subhero h1{font-size:clamp(28px,3.6vw,42px);color:#fff;margin-bottom:14px}
.subhero p{color:#d3e6e2;font-size:clamp(16px,1.5vw,18px);max-width:60ch;margin:0}

/* ---- section shells ---- */
.band{padding:74px 0}
.band.alt{background:var(--card)}
.band.deep{background:var(--teal-dk);color:#e9f3f1}
.sec-head{max-width:640px;margin-bottom:38px}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.band.deep .kicker{color:var(--amber)}
h2.title{font-size:clamp(26px,3vw,36px);margin-bottom:14px}
.sec-head p{color:var(--muted);font-size:17px;margin:0}
.band.deep .sec-head p{color:#bcd8d3}

/* ---- coverage quick cards (home) ---- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:var(--shadow)}
.band.alt .card{background:var(--sand)}
.card .ic{width:42px;height:42px;border-radius:11px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;margin-bottom:14px}
.card h3{font-size:18px;margin-bottom:7px}
.card p{font-size:14.5px;color:var(--muted);margin:0}

/* ---- why (home) ---- */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:8px}
.why .n{font-family:var(--serif);font-size:30px;color:var(--amber);font-weight:600;margin-bottom:6px}
.why h3{font-size:19px;margin-bottom:8px}
.why p{font-size:15px;color:var(--muted);margin:0}

/* ---- steps ---- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{position:relative;padding-top:8px}
.step .num{width:38px;height:38px;border-radius:50%;background:var(--amber-soft);color:#8a5410;display:grid;place-items:center;font-weight:700;font-family:var(--serif);margin-bottom:14px}
.band.deep .step .num{background:rgba(214,138,44,.18);color:#f2c88a}
.step h3{font-size:18px;margin-bottom:7px}
.step p{font-size:14.5px;color:var(--muted)}
.band.deep .step p{color:#bcd8d3}
.band.deep .step h3{color:#fff}

/* ---- coverage detail list (business page) ---- */
.cov{display:grid;gap:2px;border:1px solid var(--line);border-radius:16px;overflow:hidden;background:var(--line)}
.cov-item{background:var(--card);padding:26px;display:grid;grid-template-columns:52px 1fr;gap:18px;align-items:start}
.cov-item .ic{width:44px;height:44px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center}
.cov-item.key .ic{background:var(--amber-soft);color:#a4641a}
.cov-item h3{font-size:19px;margin-bottom:7px;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.tag{font-family:var(--sans);font-size:11px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#a4641a;background:var(--amber-soft);padding:3px 9px;border-radius:999px}
.cov-item p{font-size:15px;color:var(--muted);margin:0}
.cov-item p+p{margin-top:.6rem}

/* ---- callout ---- */
.callout{margin-top:26px;background:var(--teal-soft);border:1px solid #cfe2df;border-radius:14px;padding:22px 24px;font-size:15px;color:var(--teal-dk)}
.callout b{color:var(--teal-dk)}

/* ---- two-col generic (about / medicare / contact) ---- */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.prose p{font-size:16px;color:#33443f}
.prose h3{font-size:20px;margin:26px 0 10px}
.prose h3:first-child{margin-top:0}
.cred{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:var(--shadow);font-size:14.5px;color:var(--muted)}
.cred .row{display:flex;gap:12px;padding:11px 0;border-bottom:1px solid var(--line)}
.cred .row:last-child{border-bottom:0}
.cred .row svg{flex:none;color:var(--teal)}
.cred .row b{color:var(--ink);font-weight:600;display:block;font-size:13px}
.cred .row span{display:block}

/* ---- medicare band ---- */
.med{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:34px;box-shadow:var(--shadow);display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center}
.med .fineprint{font-size:12.5px;color:var(--muted);margin-top:14px}

/* ---- quote form ---- */
.form-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:start}
.formcard{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field.full{grid-column:1/-1}
label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:6px}
label .req{color:var(--amber)}
input,select,textarea{width:100%;font-family:var(--sans);font-size:14.5px;color:var(--ink);background:var(--sand);border:1px solid var(--line);border-radius:9px;padding:11px 12px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}
input::placeholder,textarea::placeholder{color:#9aa8a3}
textarea{resize:vertical;min-height:74px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--muted);margin:6px 0 18px}
.consent input{width:auto;margin-top:3px}
.form-note{font-size:12.5px;color:var(--muted);margin-top:12px}
.quote-aside h3{font-size:21px;margin-bottom:12px}
.quote-aside ul{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:12px}
.quote-aside li{display:flex;gap:12px;font-size:15px;color:#33443f}
.quote-aside li svg{flex:none;color:var(--teal);margin-top:3px}
/* honeypot — hidden from humans, catches bots */
.hp-field{position:absolute!important;left:-9999px!important;top:auto!important;width:1px;height:1px;overflow:hidden}
/* inline form error/validation */
.form-error{display:none;background:#fdecec;border:1px solid #f3c2c2;color:#8a2020;border-radius:9px;padding:11px 14px;font-size:13.5px;margin-bottom:14px}
.form-error.show{display:block}
input.invalid,select.invalid,textarea.invalid{border-color:#d05a5a;background:#fdf3f3}

/* ---- CTA strip ---- */
.ctastrip{background:linear-gradient(160deg,#0e5b57,#0a423f);border-radius:20px;padding:44px;color:#eef6f4;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.ctastrip h2{color:#fff;font-size:28px}
.ctastrip p{color:#c9e1dd;margin:8px 0 0}

/* ---- thank-you ---- */
.ty{max-width:640px;margin:0 auto;text-align:center;padding:26px 0}
.ty .badge{width:74px;height:74px;border-radius:50%;background:var(--amber-soft);color:#8a5410;display:grid;place-items:center;margin:0 auto 22px}
.ty h1{font-size:clamp(28px,3.4vw,40px);margin-bottom:14px}
.ty p{color:var(--muted);font-size:17px}
.ty .next{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px 26px;box-shadow:var(--shadow);text-align:left;margin:26px 0}
.ty .next ul{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.ty .next li{display:flex;gap:12px;font-size:15px;color:#33443f}
.ty .next li svg{flex:none;color:var(--teal);margin-top:3px}

/* ---- footer ---- */
footer{background:var(--ink);color:#c3d0cc;padding:44px 0 34px;font-size:14px}
footer .foot{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
footer .brand{color:#fff}
footer .mark{background:rgba(255,255,255,.12)}
footer a{color:#c3d0cc;text-decoration:none}
footer a:hover{color:#fff}
footer h5{font-size:12px;text-transform:uppercase;letter-spacing:.07em;color:#8ba39d;margin:0 0 12px;font-weight:700}
footer .fcol p{margin:0 0 8px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:20px;font-size:12.5px;color:#8ba39d;max-width:820px}

@media (max-width:860px){
  nav.links{display:none}
  .menu-btn{display:block}
  .nav .btn.desktoponly{display:none}
  .hero-in{grid-template-columns:1fr;gap:28px;padding:52px 24px}
  .hero p.lead{max-width:none}
  .cards,.why,.steps{grid-template-columns:1fr}
  .split,.form-grid{grid-template-columns:1fr;gap:28px}
  .med,.ctastrip{grid-template-columns:1fr;text-align:left}
  .frow{grid-template-columns:1fr}
  footer .foot{grid-template-columns:1fr}
}