/* =========================================================
   Tripp Insurance Solutions — Global Stylesheet
   Design system from Brand Guide v1.0
   Mobile-first · WCAG 2.2 AA · Core Web Vitals friendly
   ========================================================= */

:root{
  --navy:#0F3350;
  --navy-700:#0B2740;
  --ink:#0A2033;
  --copper:#A6491C;
  --copper-600:#8E3D16;
  --sunset:#E08A3C;
  --teal:#2E7D74;
  --teal-700:#256760;
  --sand:#F6F1E7;
  --slate:#5B6B78;
  --line:#E4DED2;
  --charcoal:#1E2A33;
  --white:#ffffff;
  --ok:#276749;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --maxw:1140px;
  --radius:14px;
  --shadow:0 6px 24px rgba(10,32,51,.08);
  --shadow-lg:0 16px 44px rgba(10,32,51,.14);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.001ms!important;transition-duration:.001ms!important}}
body{
  margin:0;font-family:var(--sans);color:var(--charcoal);background:var(--white);
  line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.15;font-weight:600;letter-spacing:-.01em;margin:0 0 .4em}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
a{color:var(--teal-700);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--copper)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;font-weight:700;color:var(--copper);margin-bottom:.5em}
.lead{font-size:1.18rem;color:var(--slate);max-width:60ch}
.center{text-align:center}
.center .lead,.center p{margin-left:auto;margin-right:auto}

/* Accessibility */
.skip{position:absolute;left:-999px;top:0;background:var(--copper);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip:focus{left:0}
:focus-visible{outline:3px solid var(--sunset);outline-offset:2px;border-radius:4px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:var(--sans);font-weight:600;font-size:1rem;
  padding:14px 26px;border-radius:10px;text-decoration:none;cursor:pointer;border:2px solid transparent;transition:transform .15s ease,background .15s ease;line-height:1}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--copper);color:#fff}
.btn-primary:hover{background:var(--copper-600);color:#fff}
.btn-secondary{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-secondary:hover{background:var(--navy);color:#fff}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-lg{padding:17px 32px;font-size:1.06rem}

/* Header / Nav */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:saturate(160%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none}
.brand .wm{font-family:var(--serif);font-weight:700;color:var(--navy);line-height:1}
.brand .wm b{display:block;font-size:1.15rem;letter-spacing:.01em}
.brand .wm span{font-family:var(--sans);font-weight:600;text-transform:uppercase;letter-spacing:.16em;font-size:.55rem;color:var(--copper)}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem;padding:9px 12px;border-radius:8px}
.nav-links a:hover,.nav-links a[aria-current="page"]{background:var(--sand);color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-phone{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--navy);text-decoration:none;white-space:nowrap}
.nav-toggle{display:none;background:none;border:2px solid var(--line);border-radius:8px;padding:8px 10px;cursor:pointer}
.nav-toggle svg{display:block}

@media (max-width:960px){
  .nav-toggle{display:inline-flex}
  .nav-links{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;
    border-bottom:1px solid var(--line);padding:10px 22px 18px;gap:2px;box-shadow:var(--shadow);display:none}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 10px;border-radius:8px}
  .nav .nav-phone-inline{display:none}
}

/* Sections */
section{padding:72px 0}
.section-sand{background:var(--sand)}
.section-navy{background:var(--navy);color:#EAF0F5}
.section-navy h1,.section-navy h2,.section-navy h3{color:#fff}
.section-navy .lead{color:#C7D3DD}

/* Hero */
.hero{background:linear-gradient(155deg,var(--navy) 0%,var(--ink) 100%);color:#fff;padding:84px 0 76px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-80px;bottom:-80px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(224,138,60,.28),transparent 70%)}
.hero h1{color:#fff;max-width:15ch}
.hero .lead{color:#CFDAE4;font-size:1.25rem;max-width:52ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 22px}
.trust-strip{display:flex;flex-wrap:wrap;gap:18px 28px;margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.15)}
.trust-strip div{display:flex;align-items:center;gap:9px;font-size:.92rem;color:#DCE5EC}
.trust-strip svg{flex:none;color:var(--sunset)}

/* Grid + cards */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;box-shadow:var(--shadow)}
.card h3{color:var(--navy);margin-top:.2em}
.card .icon{width:52px;height:52px;border-radius:12px;background:var(--sand);display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--copper)}
.card .icon svg{width:26px;height:26px}
.card ul{margin:.4em 0 0;padding-left:18px;color:var(--slate);font-size:.95rem}
.card ul li{margin:.25em 0}
.card .card-link{display:inline-block;margin-top:14px;font-weight:600;text-decoration:none}
.card .card-link::after{content:" \2192"}
.audience{border-top:4px solid var(--copper)}
.audience.medicare{border-top-color:var(--teal)}

/* Steps */
.steps{counter-reset:step;display:grid;gap:20px;grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:26px 22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:-16px;left:22px;width:34px;height:34px;background:var(--copper);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:var(--serif)}
.step h3{font-size:1.1rem;margin-top:8px;color:var(--navy)}
.step p{margin:0;font-size:.95rem;color:var(--slate)}

/* Testimonials */
.quote{background:#fff;border:1px solid var(--line);border-left:5px solid var(--copper);border-radius:0 12px 12px 0;padding:24px 26px}
.quote p{font-family:var(--serif);font-size:1.1rem;color:var(--ink);margin:0 0 12px}
.quote .who{font-size:.9rem;color:var(--slate);font-weight:600}
.stars{color:var(--sunset);letter-spacing:2px;margin-bottom:8px}

/* Forms */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.form .row{display:grid;gap:16px;grid-template-columns:1fr 1fr}
@media(max-width:560px){.form .row{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;margin-bottom:16px}
.field label{font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--ink)}
.field input,.field select,.field textarea{font-family:var(--sans);font-size:1rem;padding:12px 14px;border:1.5px solid var(--line);border-radius:9px;background:#fff;color:var(--charcoal)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy);outline:3px solid var(--sunset);outline-offset:1px}
.field .req{color:var(--copper)}
.form-note{font-size:.8rem;color:var(--slate);margin-top:6px}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--copper),var(--copper-600));color:#fff;border-radius:20px;padding:44px;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#FCEBDF;max-width:52ch;margin:0 auto 22px}

/* Lead magnet */
.magnet{display:grid;grid-template-columns:1.1fr 1fr;gap:34px;align-items:center;background:var(--navy);border-radius:20px;padding:40px;color:#fff}
.magnet h2{color:#fff}.magnet .lead{color:#C7D3DD}
@media(max-width:760px){.magnet{grid-template-columns:1fr;padding:30px}}
.inline-form{display:flex;gap:10px;flex-wrap:wrap}
.inline-form input{flex:1;min-width:180px;padding:13px 15px;border-radius:9px;border:none;font-size:1rem}

/* Footer */
.site-footer{background:var(--ink);color:#A9B8C4;padding:56px 0 26px;font-size:.92rem}
.site-footer a{color:#CBD7E0;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-family:var(--sans);font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.45em 0}
.footer-brand .wm b{color:#fff;font-family:var(--serif);font-size:1.2rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:20px;font-size:.8rem;color:#8497A6;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between}
.states{font-size:.82rem;color:#8497A6;margin-top:8px}
.badge-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:14px}
.badge{border:1px solid rgba(255,255,255,.2);border-radius:8px;padding:7px 12px;font-size:.72rem;color:#CBD7E0}

/* Breadcrumbs */
.crumbs{font-size:.82rem;color:var(--slate);padding:14px 0}
.crumbs a{color:var(--slate)}
.crumbs span{color:var(--ink);font-weight:600}