/* Brad Martin Premier Insurance */
:root {
  --red: #e83d34;
  --red-dark: #c22b23;
  --ink: #1f2733;
  --slate: #4a5568;
  --mist: #f6f7f9;
  --line: #e3e6ea;
  --white: #ffffff;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: hidden; max-width: 100%; }
body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  line-height: 1.65;
  font-size: 17px;
}
img { max-width: 100%; display: block; }
a { color: var(--red); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* Nav */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 76px; gap: 16px;
}
.nav .logo img { height: 46px; width: auto; }
.nav .logo {
  font-size: 26px; font-weight: 800; letter-spacing: -0.5px;
  color: var(--ink); text-decoration: none;
}
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
.nav-links a {
  color: var(--ink); font-weight: 600; font-size: 15px;
  text-decoration: none; letter-spacing: .02em;
}
.nav-links a:hover { color: var(--red); }
.btn {
  display: inline-block; background: var(--red); color: var(--white);
  font-weight: 700; padding: 12px 26px; border-radius: 6px;
  text-decoration: none; font-size: 16px; border: none; cursor: pointer;
  transition: background .15s;
}
.btn:hover { background: var(--red-dark); text-decoration: none; }
.nav-links a.btn, .nav-links a.btn:hover { color: var(--white); }
.btn.small { padding: 10px 20px; font-size: 15px; }
.btn.ghost {
  background: transparent; color: var(--white);
  border: 2px solid var(--white);
}
.btn.ghost:hover { background: rgba(255,255,255,.15); }
.nav-check { display: none; }
.nav-toggle {
  display: none; align-items: center; justify-content: center;
  width: 44px; height: 44px; margin-left: auto; cursor: pointer;
  border: none; background: none; color: var(--ink); font-size: 28px; line-height: 1;
}
@media (max-width: 820px) {
  .nav-inner { flex-wrap: wrap; height: auto; padding: 14px 24px; gap: 0; }
  .nav-check { display: block; position: absolute; opacity: 0; pointer-events: none; }
  .nav-toggle { display: inline-flex; }
  .nav-links {
    display: none; flex-basis: 100%; flex-direction: column;
    gap: 0; border-top: 1px solid var(--line); margin-top: 12px; padding-top: 6px;
  }
  .nav-links li { width: 100%; }
  .nav-links a {
    display: block; padding: 13px 0; border-bottom: 1px solid var(--line);
    font-size: 16px; letter-spacing: 0;
  }
  .nav-links a.btn { margin: 14px 0; text-align: center; }
  .nav-links a.btn, .nav-links a.btn:hover { color: var(--white); text-align: center; }
  .nav-check:checked ~ .nav-links { display: flex; }
}

/* Hero */
.hero {
  position: relative; color: var(--white); text-align: center;
  padding: 130px 24px 140px;
  background-image: linear-gradient(rgba(18,24,32,.62), rgba(18,24,32,.62)), url("images/neighborhood.jpg");
  background-size: cover; background-position: center;
}
.hero h1 {
  font-size: clamp(34px, 6vw, 60px); font-weight: 800;
  letter-spacing: -.01em; text-transform: uppercase;
}
.hero p {
  font-size: clamp(17px, 2.4vw, 21px); max-width: 640px; margin: 18px auto 34px;
  color: rgba(255,255,255,.92);
}
.hero .actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.hero .eyebrow {
  display: inline-block; font-size: 13px; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; color: var(--white);
  border: 1px solid rgba(255,255,255,.55); border-radius: 999px;
  padding: 7px 18px; margin-bottom: 22px;
}

/* Sections */
.m-only { display: none; }
@media (max-width: 540px) {
  .m-only { display: inline; }
  .eyebrow, h2 { text-wrap: balance; }
  .stat .num { font-size: 21px; }
}
section { padding: 88px 0; }
section.alt { background: var(--mist); }
.kicker {
  color: var(--red); font-weight: 800; font-size: 13px;
  letter-spacing: .16em; text-transform: uppercase; margin-bottom: 10px;
}
h2 {
  font-size: clamp(28px, 4vw, 38px); font-weight: 800;
  letter-spacing: -.01em; margin-bottom: 18px; text-transform: uppercase;
}
.lead { color: var(--slate); font-size: 18px; max-width: 760px; }
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; min-width: 0; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0, 1fr); gap: 32px; } }
.stat-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
  .stat { min-width: 0; }
  .stat .what { overflow-wrap: break-word; }
.stat {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 10px; padding: 28px 24px;
}
.stat .num { font-size: clamp(20px, 5.2vw, 40px); font-weight: 800; color: var(--red); letter-spacing: -.02em; }
.stat .what { color: var(--slate); font-size: 15px; margin-top: 4px; }

/* Parallax bands */
.band { height: 320px; background-size: cover; background-position: center; background-attachment: fixed; }
@media (max-width: 700px) { .band { background-attachment: scroll; height: 200px; } }
.band.coverage { background-image: url("images/plains.png"); }
.band.quotes { background-image: url("images/quotes.jpg"); }

/* Carrier strip */
.carriers { padding: 26px 0; background: var(--ink); color: rgba(255,255,255,.85); }
.carriers p { text-align: center; font-size: 14px; letter-spacing: .02em; }

/* Coverage grid */
.cov-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 10px 28px; list-style: none; margin-top: 34px;
}
@media (max-width: 860px) { .cov-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .cov-grid { grid-template-columns: 1fr; } }
.cov-grid li {
  padding: 10px 0 10px 30px; position: relative; font-weight: 500;
  border-bottom: 1px solid var(--line);
}
.cov-grid li::before {
  content: ""; position: absolute; left: 4px; top: 17px;
  width: 9px; height: 9px; background: var(--red); border-radius: 2px;
}

/* Quote form */
#quotes .form-wrap {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 40px; margin-top: 34px;
}
/* Full-application page: on mobile, the prep checklist sits above the form */
@media (max-width: 900px) {
  .quote-grid { display: flex; flex-direction: column; }
  .quote-grid .prep { order: -1; }
}
@media (max-width: 640px) { #quotes .form-wrap { padding: 22px; } }

/* Blog */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
@media (max-width: 860px) { .cards { grid-template-columns: 1fr; } }
.card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 10px; overflow: hidden; display: flex; flex-direction: column;
  transition: box-shadow .15s;
}
.card:hover { box-shadow: 0 8px 24px rgba(31,39,51,.10); }
.card .thumb { height: 170px; background-size: cover; background-position: center; }
.card .body { padding: 24px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.card .meta { color: var(--slate); font-size: 13px; text-transform: uppercase; letter-spacing: .1em; font-weight: 700; }
.card h3 { font-size: 20px; line-height: 1.3; }
.card p { color: var(--slate); font-size: 15px; flex: 1; }
.card .read { font-weight: 700; font-size: 15px; }

/* Article page */
.article-header { color: var(--white); background: var(--ink); padding: 90px 0 60px; }
.article-header .meta { color: var(--red); font-weight: 700; font-size: 13px; letter-spacing: .12em; text-transform: uppercase; }
.article-header h1 { font-size: clamp(30px, 4.6vw, 44px); margin: 12px 0 8px; letter-spacing: -.01em; }
.article-header .date { color: rgba(255,255,255,.7); font-size: 15px; }
.article-body { max-width: 720px; margin: 0 auto; padding: 56px 24px 80px; }
.article-body h2 { font-size: 26px; margin: 36px 0 12px; }
.article-body p { margin-bottom: 18px; }
.article-hero { height: 340px; background-size: cover; background-position: center; border-radius: 10px; margin-bottom: 34px; }
.article-hero img { width: 100%; height: 100%; object-fit: cover; border-radius: 10px; }
.article-inline { height: 240px; background-size: cover; background-position: center; border-radius: 10px; margin: 30px 0; }
.article-body ul, .article-body ol { margin: 0 0 18px 26px; }
.article-body li { margin-bottom: 10px; }
.article-body .checklist {
  background: var(--mist); border: 1px solid var(--line);
  border-radius: 10px; padding: 28px 28px 28px 52px; margin: 24px 0;
}
.article-body .checklist li::marker { content: "☐  "; }
.callout {
  background: #fdf1f0; border-left: 4px solid var(--red);
  padding: 18px 22px; border-radius: 0 8px 8px 0; margin: 24px 0;
}
.callout strong { color: var(--red-dark); }

/* Contact */
.socials { display: flex; gap: 14px; margin: 22px 0 8px; }
.socials a {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid var(--line); border-radius: 8px;
  padding: 10px 18px; font-weight: 600; color: var(--ink); font-size: 15px;
}
.socials a:hover { border-color: var(--red); color: var(--red); text-decoration: none; }

/* Footer */
footer { background: var(--ink); color: rgba(255,255,255,.75); padding: 42px 0; font-size: 14px; }
footer .foot-inner { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; align-items: center; }
footer a { color: var(--white); }

/* ===== Added 2026-09-15: FAQ, claims/referral, quote prep, footer, callbar ===== */
.claims-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 30px; }
.claims-grid h3 { font-size: 20px; margin-bottom: 10px; }
@media (max-width: 760px) { .claims-grid { grid-template-columns: 1fr; gap: 28px; } }

.quote-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; margin-top: 34px; align-items: start; }
@media (max-width: 900px) { .quote-grid { grid-template-columns: 1fr; } }
.prep {
  background: var(--mist); border: 1px solid var(--line);
  border-radius: 12px; padding: 28px;
}
.prep h3 { font-size: 20px; margin-bottom: 8px; }
.prep-note { color: var(--slate); font-size: 15px; margin-bottom: 14px; }
.prep-list { list-style: none; padding: 0; margin: 0; }
.prep-list li {
  padding: 9px 0 9px 30px; border-bottom: 1px solid var(--line);
  position: relative; font-size: 15px; color: var(--ink);
}
.prep-list li:last-child { border-bottom: none; }
.prep-list li::before { content: "\2713"; position: absolute; left: 4px; color: var(--red); font-weight: 700; }
.sms-consent-links { margin-top: 18px; padding-top: 14px; border-top: 1px solid var(--line); font-size: 13.5px; color: var(--slate); }
.sms-consent-links a { color: var(--red); text-decoration: underline; font-weight: 600; }
.sms-consent-links a:hover { color: var(--red-dark); }

#faq { background: var(--white); }
.faq-list { margin-top: 34px; max-width: 800px; }
.faq-item {
  border: 1px solid var(--line); border-radius: 10px;
  margin-bottom: 12px; background: var(--mist); overflow: hidden;
}
.faq-item summary {
  cursor: pointer; padding: 18px 22px; font-weight: 600;
  font-size: 16.5px; color: var(--ink); list-style: none;
  position: relative; padding-right: 48px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 20px; top: 50%;
  transform: translateY(-50%); font-size: 22px; color: var(--red);
  font-weight: 400; line-height: 1;
}
.faq-item[open] summary::after { content: "\2013"; }
.faq-item[open] { background: var(--white); }
.faq-item p { padding: 0 22px 20px; color: var(--slate); font-size: 15.5px; line-height: 1.65; }
.faq-item a { color: var(--red-dark); font-weight: 600; }

.foot-addr { font-size: 13.5px; line-height: 1.7; color: rgba(255,255,255,.75); }
.foot-links { font-size: 14px; }
.foot-legal { width: 100%; text-align: center; font-size: 12.5px; color: rgba(255,255,255,.55); border-top: 1px solid rgba(255,255,255,.14); padding-top: 16px; margin-top: 6px; }

.callbar {
  display: none; position: fixed; left: 0; right: 0; bottom: 0;
  z-index: 2000; background: var(--red); color: var(--white);
  justify-content: space-between; align-items: center;
  padding: 13px 22px; font-weight: 700; font-size: 16px;
  box-shadow: 0 -4px 14px rgba(0,0,0,.18); text-decoration: none;
}
.callbar:hover { background: var(--red-dark); color: var(--white); text-decoration: none; }
.callbar .cb-num { font-size: 15px; font-weight: 600; opacity: .95; }
@media (max-width: 760px) { .callbar { display: flex; } body { padding-bottom: 54px; } }