/* ==========================================================================
   Maru Insurance — Design System
   Modern, warm & friendly. Turquoise blue + warm amber. Accessible & fast.
   ========================================================================== */

:root {
  /* Brand palette — turquoise blue */
  --teal-900: #063947;
  --teal-800: #0a566a;
  --teal-700: #0c7d95;
  --teal-600: #0e97b3;
  --teal-500: #16b6d4;
  --teal-400: #4fd0e4;
  --teal-100: #d3f1f9;
  --teal-50:  #eef9fc;

  --amber-600: #d98324;
  --amber-500: #f2a044;
  --amber-400: #f7b96b;
  --amber-100: #fde9d2;

  --ink-900: #0c1f26;
  --ink-700: #29393f;
  --ink-500: #52646b;
  --ink-300: #86999f;
  --line:    #e0edf0;
  --paper:   #ffffff;
  --paper-2: #f5fafc;
  --paper-3: #ecf5f8;

  --good: #2e9e6b;
  --warn: #d98324;
  --bad:  #d6543f;

  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 3px rgba(16,32,31,.06), 0 1px 2px rgba(16,32,31,.04);
  --shadow:    0 6px 24px rgba(16,32,31,.08);
  --shadow-lg: 0 18px 48px rgba(16,32,31,.14);

  --max: 1160px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  --serif: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink-700);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-700); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink-900); line-height: 1.15; margin: 0 0 .5em; font-weight: 600; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.1rem); }
h2 { font-size: clamp(1.55rem, 3.2vw, 2.2rem); margin-top: 1.6em; }
h3 { font-size: clamp(1.2rem, 2.2vw, 1.45rem); margin-top: 1.4em; }
p { margin: 0 0 1.1em; }
.lead { font-size: 1.2rem; color: var(--ink-500); }

.container { max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.narrow { max-width: 820px; margin-left: auto; margin-right: auto; }
.section { padding: 62px 0; }
.section--tint { background: var(--paper-2); }
.section--deep { background: var(--teal-900); color: #d3edf4; }
.section--deep h2, .section--deep h3 { color: #fff; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; gap: 20px; height: 92px; }
.brand { display: flex; align-items: center; gap: 11px; font-weight: 700; color: var(--ink-900); font-size: 1.15rem; }
.brand:hover { text-decoration: none; }
.brand svg { height: 58px; width: auto; }
/* Constrain inline icon SVGs so they never balloon inside flex containers */
.btn svg, .card-link svg, .legend svg, .nav-links svg, li svg, .author-box svg, p svg, .stat svg { width: 1.1em; height: 1.1em; flex-shrink: 0; vertical-align: -0.15em; }
.site-footer .footer-brand svg { height: 34px; width: auto; }
/* Keep the wordmark legible on the dark footer (amber subline reads fine as-is) */
.site-footer .footer-brand svg .wm-name { fill: #ffffff; }
.nav-links { display: flex; gap: 4px; margin-left: auto; align-items: center; flex-wrap: wrap; }
.nav-links a { color: var(--ink-700); padding: 9px 13px; border-radius: 10px; font-weight: 500; font-size: .96rem; }
.nav-links a:hover { background: var(--teal-50); text-decoration: none; color: var(--teal-800); }
.nav-cta { background: var(--amber-500); color: #3a2405 !important; font-weight: 700 !important; }
.nav-cta:hover { background: var(--amber-400); }
.nav-phone { font-weight: 700; color: var(--teal-800); white-space: nowrap; }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 10px; padding: 8px 10px; cursor: pointer; font-size: 1.2rem; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 22px; border-radius: 999px; font-weight: 700; font-size: 1rem; border: 2px solid transparent; cursor: pointer; transition: transform .08s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--amber-500); color: #3a2405; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--amber-400); box-shadow: var(--shadow); }
.btn-teal { background: var(--teal-600); color: #fff; }
.btn-teal:hover { background: var(--teal-500); }
.btn-ghost { background: transparent; color: var(--teal-800); border-color: var(--teal-400); }
.btn-ghost:hover { background: var(--teal-50); }
.btn-lg { padding: 16px 30px; font-size: 1.08rem; }
.btn-white { background:#fff; color: var(--teal-800); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(155deg, var(--teal-50) 0%, #fff 55%, var(--amber-100) 140%); }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 44px; align-items: center; padding: 70px 0 64px; }
.hero .eyebrow { display: inline-block; background: var(--teal-100); color: var(--teal-800); font-weight: 700; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; padding: 6px 13px; border-radius: 999px; margin-bottom: 16px; }
.hero-cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.hero-trust { display: flex; gap: 22px; margin-top: 26px; flex-wrap: wrap; color: var(--ink-700); font-size: .92rem; }
.hero-trust div { display: inline-flex; align-items: center; gap: 7px; font-weight: 600; }
.hero-trust b { color: var(--ink-900); font-size: 1.35rem; font-family: var(--serif); display: block; }
.hero-card { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 26px; border: 1px solid var(--line); }

.hero-tags { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin: 16px 0 4px; font-weight: 700; color: var(--teal-800); font-size: 1rem; }
.hero-tags svg { width: 18px; height: 18px; vertical-align: middle; margin-right: 2px; }
.hero-tags span { color: var(--ink-300); font-weight: 400; }

/* ---------- Hero contact form ---------- */
.hero-media { display: flex; align-items: stretch; }
.hero-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 24px 24px 22px; margin-top: 26px; }
.hero-form h3 { margin: 0; font-size: 1.3rem; }
.hero-form label { display: block; font-size: .82rem; font-weight: 700; color: var(--ink-700); margin-bottom: 12px; }
.hero-form .hf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.hero-form input, .hero-form select { width: 100%; margin-top: 5px; padding: 11px 12px; border: 1px solid var(--line); border-radius: 10px; font: inherit; font-size: .95rem; font-weight: 400; color: var(--ink-900); background: var(--paper-2); }
.hero-form input:focus, .hero-form select:focus { outline: 2px solid var(--teal-400); border-color: var(--teal-500); background: #fff; }
.hero-form a { color: var(--teal-700); font-weight: 700; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm); transition: box-shadow .2s ease, transform .1s ease, border-color .2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); border-color: var(--teal-100); }
.card h3 { margin-top: 0; }
.card .ico { width: 46px; height: 46px; border-radius: 12px; background: var(--teal-50); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; color: var(--teal-700); }
.card .ico svg { width: 26px; height: 26px; }
.card-link { font-weight: 700; color: var(--teal-700); display: inline-flex; align-items: center; gap: 6px; }
.card--amber .ico { background: var(--amber-100); color: var(--amber-600); }

.pill { display: inline-block; background: var(--teal-50); color: var(--teal-800); border: 1px solid var(--teal-100); border-radius: 999px; padding: 5px 12px; font-size: .85rem; font-weight: 600; margin: 0 6px 8px 0; }
/* Linked pills read as clickable; plain (span) pills are muted "not-yet-a-guide" badges. */
a.pill { cursor: pointer; text-decoration: none; transition: background .15s, border-color .15s, box-shadow .15s; }
a.pill:hover { background: var(--teal-100); border-color: var(--teal-800); box-shadow: 0 1px 4px rgba(0,0,0,.08); text-decoration: none; }
span.pill { background: var(--paper-2); color: var(--ink-500); border-color: var(--line); font-weight: 500; }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); margin: 22px 0; }
table.data { width: 100%; border-collapse: collapse; font-size: .96rem; background:#fff; }
table.data caption { text-align: left; font-weight: 600; color: var(--ink-500); padding: 12px 16px; font-family: var(--serif); }
table.data th, table.data td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); }
table.data thead th { background: var(--teal-800); color: #fff; font-weight: 600; font-family: var(--font); position: sticky; top: 0; }
table.data tbody tr:nth-child(even) { background: var(--paper-2); }
table.data tbody tr:hover { background: var(--teal-50); }
table.data td.num { text-align: right; font-variant-numeric: tabular-nums; }

/* ---------- Charts (pure CSS/SVG) ---------- */
.chart { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm); margin: 22px 0; }
.chart h4 { margin: 0 0 4px; font-family: var(--font); font-size: 1.05rem; color: var(--ink-900); }
.chart .sub { color: var(--ink-500); font-size: .88rem; margin-bottom: 16px; }
.bars { display: flex; flex-direction: column; gap: 12px; }
.bar-row { display: grid; grid-template-columns: 150px 1fr auto; gap: 12px; align-items: center; font-size: .9rem; }
.bar-track { background: var(--paper-3); border-radius: 999px; height: 22px; overflow: hidden; }
.bar-fill { height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--teal-500), var(--teal-600)); display: flex; align-items: center; }
.bar-fill.amber { background: linear-gradient(90deg, var(--amber-400), var(--amber-600)); }
.bar-val { font-weight: 700; color: var(--ink-900); font-variant-numeric: tabular-nums; }
.legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: .86rem; color: var(--ink-500); margin-top: 14px; }
.legend span { display: inline-flex; align-items: center; gap: 6px; }
.dot { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
figure.chart-note { font-size: .82rem; color: var(--ink-300); margin: 6px 0 0; }

/* ---------- Callouts / stats ---------- */
.callout { border-left: 4px solid var(--teal-500); background: var(--teal-50); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 22px; margin: 24px 0; }
.callout.amber { border-color: var(--amber-500); background: var(--amber-100); }
.stat-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin: 26px 0; }
.stat { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 20px; text-align: center; box-shadow: var(--shadow-sm); }
.stat b { font-family: var(--serif); font-size: 2rem; color: var(--teal-700); display: block; }
.stat span { color: var(--ink-500); font-size: .9rem; }

/* ---------- FAQ ---------- */
.faq details { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; background:#fff; box-shadow: var(--shadow-sm); overflow: hidden; }
.faq summary { cursor: pointer; padding: 18px 22px; font-weight: 600; color: var(--ink-900); font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--teal-600); font-size: 1.4rem; font-weight: 700; }
.faq details[open] summary::after { content: "\2212"; }
.faq details[open] summary { background: var(--teal-50); }
.faq .faq-body { padding: 4px 22px 20px; color: var(--ink-700); }

/* ---------- Breadcrumbs / TOC ---------- */
.crumbs { font-size: .86rem; color: var(--ink-500); padding: 16px 0 0; }
.crumbs a { color: var(--ink-500); }
.crumbs a:hover { color: var(--teal-700); }
.toc { background: var(--paper-2); border:1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; margin: 24px 0; }
.toc strong { display:block; margin-bottom: 8px; color: var(--ink-900); font-family: var(--serif); }
.toc ul { margin: 0; padding-left: 18px; columns: 2; }
.toc li { margin-bottom: 5px; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(135deg, var(--teal-700), var(--teal-900)); color:#fff; border-radius: var(--radius-lg); padding: 44px; text-align: center; box-shadow: var(--shadow-lg); }
.cta-band h2 { color:#fff; margin-top: 0; }
.cta-band p { color: #cfeaf2; max-width: 620px; margin: 0 auto 24px; }
.cta-band .btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Author / trust box ---------- */
.author-box { display: flex; gap: 16px; align-items: center; background: var(--paper-2); border:1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; margin: 30px 0; }
.author-box .ab-ava { width: 60px; height: 60px; border-radius: 50%; background: var(--teal-600); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-family: var(--serif); font-size: 1.2rem; flex-shrink:0; overflow:hidden; }
.author-box .ab-ava img { width:100%; height:100%; object-fit:cover; object-position:center top; display:block; }
.author-box small { color: var(--ink-500); }

/* Advisor photo (home + about) */
.advisor-photo { width:100%; border-radius:20px; box-shadow: var(--shadow-lg); object-fit:cover; object-position:center top; display:block; }
.advisor-band { background: var(--paper-2); }
.advisor-grid { display:grid; grid-template-columns: 0.85fr 1.15fr; gap:44px; align-items:center; }
.advisor-grid .photo-wrap { position:relative; }
.advisor-grid .photo-wrap .badge-float { position:absolute; bottom:-14px; left:22px; background:#fff; border:1px solid var(--line); box-shadow:var(--shadow); border-radius:999px; padding:8px 16px; font-weight:700; color:var(--teal-800); font-size:.9rem; display:inline-flex; align-items:center; gap:8px; }
@media (max-width: 900px){ .advisor-grid { grid-template-columns:1fr; } .advisor-grid .photo-wrap { max-width:360px; margin:0 auto; } }

/* Hero advisor photo (home) */
.hero-photo-wrap { position:relative; width:100%; }
.hero-media .hero-advisor-photo { aspect-ratio: auto; max-height: 620px; }
.hero-advisor-photo { width:100%; border-radius:20px; box-shadow: var(--shadow-lg); object-fit:cover; object-position:center top; display:block; aspect-ratio: 4 / 5; }
.hero-photo-wrap .badge-float { position:absolute; bottom:-14px; left:22px; background:#fff; border:1px solid var(--line); box-shadow:var(--shadow); border-radius:999px; padding:8px 16px; font-weight:700; color:var(--teal-800); font-size:.9rem; display:inline-flex; align-items:center; gap:8px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--teal-900); color: #b3d7e2; padding: 54px 0 26px; margin-top: 40px; }
.site-footer h4 { color:#fff; font-family: var(--font); font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 30px; }
.site-footer a { color: #b3d7e2; display: block; padding: 3px 0; font-size: .93rem; }
.site-footer a:hover { color:#fff; }
.footer-brand p { font-size: .92rem; color:#8ebcc9; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 34px; padding-top: 20px; font-size: .82rem; color: #7da6b0; display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; }
.footer-cols a.footer-h { color:#fff; font-weight:700; }

/* ---------- Utility ---------- */
.center { text-align:center; }
.mt0{margin-top:0}.mb0{margin-bottom:0}
.muted { color: var(--ink-500); }
.badge { display:inline-block; background:var(--good); color:#fff; font-size:.72rem; font-weight:700; padding:3px 9px; border-radius:999px; text-transform:uppercase; letter-spacing:.04em; }
hr.rule { border: none; border-top: 1px solid var(--line); margin: 40px 0; }
.two-col { columns: 2; column-gap: 40px; }
.two-col p { break-inside: avoid; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid, .grid-2, .grid-3, .grid-4, .stat-row, .footer-grid { grid-template-columns: 1fr; }
  .hero-media { order: -1; }
  .hero-media .hero-advisor-photo { max-height: 460px; }
  .hero-form .hf-row { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: repeat(2,1fr); }
  .two-col, .toc ul { columns: 1; }
  .nav-links { display: none; position: absolute; top: 72px; left:0; right:0; background:#fff; flex-direction: column; padding: 12px; border-bottom:1px solid var(--line); box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .nav-links a { width: 100%; }
  .menu-toggle { display: block; margin-left: auto; }
  .bar-row { grid-template-columns: 110px 1fr auto; font-size:.82rem; }
  .cta-band { padding: 30px 20px; }
}
@media (max-width: 560px) {
  .stat-row { grid-template-columns: 1fr 1fr; }
  body { font-size: 16px; }
}