/* Lancer Insurance — shared stylesheet
   Layout: institutional multi-page site — sticky nav, full-width bands,
   content held to a centered measure; navy ground with a single copper accent. */
:root {
  --bg: #fbfaf6;
  --surface: #ffffff;
  --surface-2: #f2efe8;
  --ink: #16233a;
  --ink-soft: #46556e;
  --line: #e2ddd1;
  --accent: #ad6a2b;
  --accent-ink: #8a521e;
  --navy: #16273f;
  --navy-soft: #24395a;
  --on-navy: #eef2f8;
  --on-navy-soft: #a9b7cc;
  --good: #2f6f4f;
  --shadow: 0 1px 2px rgba(22,35,58,.06), 0 10px 28px rgba(22,35,58,.08);
  --radius: 14px;
  --measure: 1140px;
  --display: "Fraunces", Georgia, "Times New Roman", serif;
  --body: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0e1726; --surface: #142135; --surface-2: #1b2b45;
    --ink: #e8edf6; --ink-soft: #a6b4ca; --line: #2a3b57;
    --accent: #d6974f; --accent-ink: #e3ad6e;
    --navy: #0a111d; --navy-soft: #1a2a44; --on-navy: #eef2f8; --on-navy-soft: #9fb0c8;
    --good: #6bbf92;
    --shadow: 0 1px 2px rgba(0,0,0,.3), 0 14px 34px rgba(0,0,0,.4);
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0e1726; --surface: #142135; --surface-2: #1b2b45;
  --ink: #e8edf6; --ink-soft: #a6b4ca; --line: #2a3b57;
  --accent: #d6974f; --accent-ink: #e3ad6e;
  --navy: #0a111d; --navy-soft: #1a2a44; --on-navy: #eef2f8; --on-navy-soft: #9fb0c8;
  --good: #6bbf92;
  --shadow: 0 1px 2px rgba(0,0,0,.3), 0 14px 34px rgba(0,0,0,.4);
  color-scheme: dark;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: var(--body); font-size: 17px; line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3 { font-family: var(--display); font-weight: 600; line-height: 1.1; text-wrap: balance; margin: 0; }
p { margin: 0; }
a { color: inherit; }
img { max-width: 100%; }

.wrap {
  max-width: var(--measure); margin-inline: auto;
  padding-left: max(20px, env(safe-area-inset-left, 0px));
  padding-right: max(20px, env(safe-area-inset-right, 0px));
}
.eyebrow { font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--accent-ink); }
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--body); font-weight: 600; font-size: .98rem;
  padding: .72em 1.3em; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; text-decoration: none;
  transition: transform .15s ease, background .15s ease, border-color .15s ease;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-ink); transform: translateY(-1px); }
.btn-ghost { background: transparent; border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { border-color: var(--accent); color: var(--accent-ink); }
.btn-on-navy { background: transparent; border-color: rgba(255,255,255,.3); color: var(--on-navy); }
.btn-on-navy:hover { border-color: var(--accent); background: rgba(255,255,255,.04); }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }

/* ---- Header ---- */
header.site {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20;
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 21; background: var(--bg); }
.nav { display: flex; align-items: center; gap: 1.2rem; padding-block: .85rem; }
.brand { display: flex; align-items: center; gap: .6rem; font-family: var(--display); font-weight: 600; font-size: 1.2rem; text-decoration: none; color: var(--ink); }
.brand svg { width: 30px; height: 30px; flex: none; }
.brand small { display: block; font-family: var(--body); font-size: .6rem; letter-spacing: .22em; text-transform: uppercase; color: var(--ink-soft); font-weight: 700; margin-top: 1px; }
.nav-links { display: flex; gap: 1.4rem; margin-left: auto; align-items: center; }
.nav-links a { text-decoration: none; color: var(--ink-soft); font-weight: 600; font-size: .95rem; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--accent-ink); }
.nav-links a[aria-current="page"] { text-decoration: underline; text-underline-offset: 6px; text-decoration-color: var(--accent); }
.nav .btn { flex: none; color: #fff; }
.nav-toggle { display: none; }

/* ---- Hero / page banners ---- */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--on-navy); }
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(900px 420px at 82% -10%, rgba(173,106,43,.28), transparent 60%),
              radial-gradient(700px 500px at 8% 110%, rgba(36,57,90,.6), transparent 55%);
  pointer-events: none;
}
.hero .wrap { position: relative; display: grid; grid-template-columns: 1.15fr .85fr; gap: 2.5rem; align-items: center; padding-block: clamp(3rem, 7vw, 5.5rem); }
.hero h1 { font-size: clamp(2.5rem, 5.4vw, 4.1rem); letter-spacing: -.01em; }
.hero h1 em { font-style: italic; color: var(--accent); }
.hero p.lede { color: var(--on-navy-soft); font-size: 1.14rem; max-width: 34ch; margin-top: 1.1rem; }
.hero-cta { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.8rem; }
.hero-card { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 1.5rem; }
.hero-card h3 { color: var(--on-navy); font-size: 1.05rem; font-family: var(--body); font-weight: 700; }
.quote-list { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: .8rem; }
.quote-list li { display: flex; gap: .7rem; align-items: flex-start; color: var(--on-navy-soft); font-size: .96rem; }
.quote-list svg { width: 18px; height: 18px; flex: none; margin-top: .22rem; color: var(--accent); }

/* Simple page banner (inner pages) */
.banner { position: relative; overflow: hidden; background: var(--navy); color: var(--on-navy); }
.banner::after { content: ""; position: absolute; inset: 0; background: radial-gradient(800px 360px at 88% -20%, rgba(173,106,43,.26), transparent 60%); pointer-events: none; }
.banner .wrap { position: relative; padding-block: clamp(2.6rem, 6vw, 4rem); }
.banner h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); max-width: 20ch; }
.banner p { color: var(--on-navy-soft); max-width: 52ch; margin-top: .9rem; font-size: 1.1rem; }
.crumbs { font-size: .82rem; color: var(--on-navy-soft); margin-bottom: .8rem; letter-spacing: .04em; }
.crumbs a { color: var(--on-navy-soft); text-decoration: none; }
.crumbs a:hover { color: var(--accent); }

.trust { border-top: 1px solid rgba(255,255,255,.12); }
.trust .wrap { position: relative; display: flex; flex-wrap: wrap; gap: 1.5rem 2.5rem; padding-block: 1.3rem; }
.trust div { display: flex; flex-direction: column; }
.trust .n { font-family: var(--display); font-size: 1.7rem; color: var(--on-navy); font-variant-numeric: tabular-nums; }
.trust .l { font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: var(--on-navy-soft); font-weight: 600; }

/* ---- Section scaffolding ---- */
section { padding-block: clamp(3.2rem, 6vw, 5rem); }
.sec-head { max-width: 58ch; margin-bottom: 2.4rem; }
.sec-head h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); margin-top: .5rem; }
.sec-head p { color: var(--ink-soft); margin-top: .8rem; font-size: 1.08rem; }
.prose { max-width: 68ch; }
.prose p + p { margin-top: 1rem; }
.prose p { color: var(--ink-soft); }

/* ---- Card grids ---- */
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); display: flex; flex-direction: column; gap: .6rem; }
.card .ico { width: 42px; height: 42px; border-radius: 10px; background: var(--surface-2); display: grid; place-items: center; color: var(--accent-ink); margin-bottom: .4rem; }
.card .ico svg { width: 22px; height: 22px; }
.card h3 { font-size: 1.22rem; }
.card p { color: var(--ink-soft); font-size: .97rem; }
.card ul { margin: .2rem 0 0; padding-left: 1.1rem; color: var(--ink-soft); font-size: .9rem; }
.card li { margin-bottom: .2rem; }
.card .more { margin-top: auto; font-weight: 700; color: var(--accent-ink); text-decoration: none; font-size: .92rem; padding-top: .4rem; }
.card .more:hover { text-decoration: underline; }

/* ---- Bands ---- */
.band-soft { background: var(--surface-2); border-block: 1px solid var(--line); }
.cols-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 2rem; }
.item h3 { font-size: 1.2rem; margin-bottom: .4rem; display: flex; align-items: center; gap: .5rem; }
.item h3 svg { width: 20px; height: 20px; color: var(--accent); flex: none; }
.item p { color: var(--ink-soft); font-size: .98rem; }

/* ---- Steps ---- */
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.2rem; counter-reset: step; }
.step { position: relative; padding-top: 1.2rem; border-top: 2px solid var(--line); }
.step::before { counter-increment: step; content: counter(step, decimal-leading-zero); font-family: var(--display); font-size: 1rem; color: var(--accent-ink); font-weight: 600; position: absolute; top: -.9rem; background: var(--bg); padding-right: .6rem; }
.step.on-soft::before { background: var(--surface-2); }
.step h3 { font-size: 1.1rem; margin-bottom: .35rem; }
.step p { color: var(--ink-soft); font-size: .94rem; }

/* ---- Split feature ---- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: center; }
.split .media { aspect-ratio: 4/3; border-radius: var(--radius); background: linear-gradient(135deg, var(--navy), var(--navy-soft)); position: relative; overflow: hidden; box-shadow: var(--shadow); }
.split .media svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.feature-list { list-style: none; padding: 0; margin: 1.2rem 0 0; display: grid; gap: .8rem; }
.feature-list li { display: flex; gap: .7rem; align-items: flex-start; color: var(--ink-soft); }
.feature-list svg { width: 20px; height: 20px; color: var(--accent); flex: none; margin-top: .2rem; }

/* ---- Testimonial ---- */
.quote-band { background: var(--navy); color: var(--on-navy); }
.quote-band blockquote { margin: 0; max-width: 46ch; }
.quote-band .mark { font-family: var(--display); font-size: 3.5rem; line-height: .6; color: var(--accent); display: block; }
.quote-band q { font-family: var(--display); font-size: clamp(1.4rem,2.6vw,1.9rem); font-style: italic; quotes: none; display: block; margin-top: .6rem; }
.quote-band cite { display: block; margin-top: 1.2rem; font-style: normal; color: var(--on-navy-soft); font-size: .95rem; }
.quote-band cite b { color: var(--on-navy); font-weight: 700; }

/* ---- FAQ ---- */
.faq { max-width: 70ch; display: grid; gap: .6rem; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 0 1.2rem; box-shadow: var(--shadow); }
.faq summary { cursor: pointer; font-weight: 700; padding: 1.1rem 0; list-style: none; display: flex; justify-content: space-between; gap: 1rem; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--display); font-size: 1.5rem; color: var(--accent-ink); flex: none; }
.faq details[open] summary::after { content: "\2013"; }
.faq details p { color: var(--ink-soft); padding-bottom: 1.1rem; font-size: .98rem; }

/* ---- Team ---- */
.team { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.4rem; }
.member { text-align: center; }
.avatar { width: 92px; height: 92px; border-radius: 50%; margin: 0 auto .8rem; background: linear-gradient(135deg, var(--navy-soft), var(--navy)); color: var(--on-navy); display: grid; place-items: center; font-family: var(--display); font-size: 1.8rem; border: 2px solid var(--accent); }
.member h3 { font-size: 1.1rem; }
.member .role { color: var(--accent-ink); font-weight: 700; font-size: .85rem; letter-spacing: .04em; margin-top: .2rem; }
.member p { color: var(--ink-soft); font-size: .92rem; margin-top: .5rem; }

/* ---- CTA strip ---- */
.cta-strip { background: var(--accent); color: #fff; border-radius: var(--radius); padding: clamp(1.8rem, 4vw, 2.8rem); display: flex; flex-wrap: wrap; gap: 1.2rem; align-items: center; justify-content: space-between; box-shadow: var(--shadow); }
.cta-strip h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.1rem); max-width: 22ch; }
.cta-strip .btn { background: #fff; color: var(--accent-ink); border: none; }
.cta-strip .btn:hover { background: #f3e7d8; }

/* ---- Contact ---- */
.contact .panel { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.5rem, 4vw, 2.6rem); box-shadow: var(--shadow); }
.field { display: flex; flex-direction: column; gap: .35rem; margin-bottom: 1rem; }
.field label { font-size: .82rem; font-weight: 700; letter-spacing: .03em; color: var(--ink); }
.field input, .field select, .field textarea { font: inherit; font-size: .95rem; padding: .7em .85em; border-radius: 10px; border: 1.5px solid var(--line); background: var(--bg); color: var(--ink); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--accent); outline: none; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-note { font-size: .82rem; color: var(--ink-soft); margin-top: .4rem; }
.ok-msg { background: color-mix(in srgb, var(--good) 14%, transparent); border: 1px solid var(--good); color: var(--good); padding: .8em 1em; border-radius: 10px; font-size: .92rem; font-weight: 600; }
.contact aside h3 { font-size: 1.3rem; margin-bottom: 1rem; }
.contact-row { display: flex; gap: .7rem; align-items: flex-start; margin-bottom: 1.1rem; }
.contact-row svg { width: 20px; height: 20px; color: var(--accent); flex: none; margin-top: .2rem; }
.contact-row .k { font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-soft); font-weight: 700; }
.contact-row .v { font-size: 1.02rem; }
.copy-btn { background: none; border: none; color: var(--accent-ink); font: inherit; font-size: .82rem; font-weight: 700; cursor: pointer; padding: 0; margin-top: .15rem; }

/* ---- Footer ---- */
footer.site { background: var(--navy); color: var(--on-navy-soft); border-top: 4px solid var(--accent); }
footer.site .wrap { padding-block: 2.8rem 2rem; }
.foot-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; }
footer .brand { color: var(--on-navy); }
footer .brand small { color: var(--on-navy-soft); }
footer h4 { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--on-navy); margin: 0 0 .9rem; }
footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .5rem; }
footer a { text-decoration: none; color: var(--on-navy-soft); font-size: .93rem; }
footer a:hover { color: var(--accent); }
.foot-bottom { margin-top: 2.2rem; padding-top: 1.4rem; border-top: 1px solid rgba(255,255,255,.12); display: flex; flex-wrap: wrap; gap: .6rem 1.5rem; justify-content: space-between; font-size: .8rem; }
.disclaimer { max-width: 60ch; color: var(--on-navy-soft); font-size: .78rem; margin-top: 1rem; line-height: 1.5; }

@media (max-width: 920px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .grid, .cols-3, .team { grid-template-columns: repeat(2,1fr); }
  .steps { grid-template-columns: repeat(2,1fr); }
  .split { grid-template-columns: 1fr; }
  .foot-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; left: 0; right: 0; top: 100%; background: var(--bg); border-bottom: 1px solid var(--line); padding: 1rem max(20px, env(safe-area-inset-left,0px)); gap: 1rem; align-items: flex-start; }
  .nav-toggle { display: inline-grid; place-items: center; margin-left: auto; width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 10px; background: var(--surface); color: var(--ink); cursor: pointer; }
  .nav .nav-cta-top { display: none; }
  .grid, .grid-2, .cols-3, .steps, .team, .contact .panel, .foot-top { grid-template-columns: 1fr; }
  .two { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }