/* ==========================================================================
   Nate Hall Insurance — styles
   Mobile-first. Palette drawn from the brushed-steel shield logo.
   ========================================================================== */

:root {
  --ink: #14171c;        /* header, hero, footer */
  --charcoal: #262b33;   /* dark panels */
  --steel: #5b6573;      /* secondary text on light */
  --silver: #c9ced6;     /* text/borders on dark */
  --line: #dde1e6;       /* borders on light */
  --mist: #f3f4f6;       /* light section background */
  --white: #ffffff;
  --text: #1b1f25;       /* body text on light */
  --gold: #c9a24a;       /* accent on dark backgrounds / button fill */
  --gold-hover: #d8b663;
  --gold-text: #8a6420;  /* accent text on light backgrounds */

  --font-body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-head: "Cormorant Garamond", Georgia, "Times New Roman", serif;

  --radius: 12px;
  --shadow: 0 1px 2px rgba(20, 23, 28, .06), 0 8px 24px rgba(20, 23, 28, .08);
  --header-h: 68px;
  --mobile-bar-h: 72px;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  padding-bottom: var(--mobile-bar-h); /* room for the mobile action bar */
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--gold-text); text-underline-offset: 3px; }
a:hover { color: var(--text); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; }
p { margin: 0 0 1em; }
[hidden] { display: none !important; }
:target, section[id] { scroll-margin-top: calc(var(--header-h) + 12px); }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 100;
  background: var(--gold); color: var(--ink); padding: 10px 16px; border-radius: 6px;
  font-weight: 600; text-decoration: none;
}
.skip-link:focus { top: 12px; }

.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.icon {
  width: 24px; height: 24px; flex-shrink: 0;
  fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round;
}
.icon-sm { width: 18px; height: 18px; }

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.container-narrow { max-width: 820px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 12px 22px; border-radius: 999px;
  font: 600 1rem/1.2 var(--font-body); text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: background-color .15s, color .15s, border-color .15s;
}
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: var(--gold-hover); color: var(--ink); }
.btn-outline-light { border-color: var(--silver); color: var(--white); background: transparent; }
.btn-outline-light:hover { background: var(--white); color: var(--ink); border-color: var(--white); }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(20, 23, 28, .97);
  border-bottom: 1px solid rgba(201, 206, 214, .15);
  transition: box-shadow .2s;
}
.site-header.is-scrolled { box-shadow: 0 4px 18px rgba(0, 0, 0, .35); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: var(--header-h); }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--white); }
.brand:hover, .brand:active, .brand:focus { color: var(--white); } /* stay light on the dark header */
.brand img { width: 48px; height: auto; border-radius: 6px; }
.brand-text { font-family: var(--font-head); font-size: 1.35rem; font-weight: 700; letter-spacing: .02em; line-height: 1.1; }
.brand-text span { color: var(--silver); font-weight: 600; }
.header-nav { display: flex; align-items: center; gap: 6px; }
.nav-link {
  color: var(--white); text-decoration: none; font-weight: 600; padding: 10px 14px; border-radius: 999px;
}
.nav-link:hover { color: var(--gold); }
.icon-link {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 50%; color: var(--silver);
}
.icon-link:hover { color: var(--gold); background: rgba(255, 255, 255, .06); }

@media (max-width: 380px) {
  .brand-text span { display: none; }
}

/* ---------- Hero / agent card ---------- */
.hero {
  color: var(--white);
  background:
    radial-gradient(ellipse 60% 50% at 70% 0%, rgba(201, 162, 74, .14), transparent 70%),
    repeating-linear-gradient(90deg, rgba(255,255,255,.012) 0 2px, transparent 2px 4px),
    linear-gradient(160deg, #22272f 0%, var(--ink) 60%);
  padding: 40px 0 48px;
}
.hero-inner { display: grid; gap: 28px; align-items: center; }
.agent-photo {
  width: min(260px, 70vw); margin: 0 auto;
  padding: 6px; border-radius: 20px;
  background: linear-gradient(145deg, #eef0f3, #8a929e 45%, #e4e7eb 70%, #7b838f);
  box-shadow: 0 18px 40px rgba(0, 0, 0, .45);
}
.agent-photo img { border-radius: 15px; aspect-ratio: 4 / 5; object-fit: cover; width: 100%; }
.agent-info { text-align: center; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .2em; font-size: .78rem; font-weight: 600;
  color: var(--gold); margin-bottom: .4em;
}
.hero h1 { font-family: var(--font-head); font-size: clamp(2.6rem, 9vw, 3.75rem); font-weight: 700; margin-bottom: .1em; }
.agent-title { font-size: 1.15rem; color: var(--silver); margin-bottom: .25em; }
.agent-location { display: inline-flex; align-items: center; gap: 6px; color: var(--silver); margin-bottom: 1.25em; }
.agent-location .icon { color: var(--gold); }
.hero-intro { max-width: 58ch; margin: 0 auto 1.5em; color: #e6e9ed; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.btn-row .btn { flex: 1 1 200px; max-width: 280px; }

@media (min-width: 768px) {
  .hero { padding: 64px 0 72px; }
  .hero-inner { grid-template-columns: 300px 1fr; gap: 56px; }
  .agent-photo { width: 100%; margin: 0; }
  .agent-info { text-align: left; }
  .hero-intro { margin-left: 0; }
  .btn-row { justify-content: flex-start; }
  .btn-row .btn { flex: 0 0 auto; }
}

/* ---------- Sections ---------- */
.section { padding: 56px 0; }
.section-tight { padding: 0 0 56px; }
.section-mist { background: var(--mist); }
.section-dark { background: var(--charcoal); color: #e6e9ed; }
.section-title {
  font-family: var(--font-head); font-weight: 700; text-align: center;
  font-size: clamp(2rem, 6vw, 2.6rem); margin-bottom: .6em; position: relative;
}
.section-title::after {
  content: ""; display: block; width: 56px; height: 2px; margin: 14px auto 0;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.section-title-left { text-align: left; }
.section-title-left::after { margin-left: 0; background: var(--gold); }
.section-dark .section-title { color: var(--white); }
.section-lead { text-align: center; max-width: 60ch; margin: -.5em auto 2em; color: var(--steel); }
.section-dark .section-lead { color: var(--silver); }

/* ---------- Specializing In ---------- */
.tile-grid {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px;
}
.tile {
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px;
  height: 100%; min-height: 132px; padding: 20px 12px; text-align: center;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  color: var(--text); text-decoration: none; font-weight: 600; box-shadow: var(--shadow);
  transition: transform .15s, border-color .15s;
}
.tile:hover { transform: translateY(-2px); border-color: var(--gold); color: var(--text); }
.tile-icon {
  display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%;
  background: var(--ink); color: var(--gold);
}
.tile-icon .icon { width: 26px; height: 26px; }
@media (min-width: 600px) { .tile-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; } }
@media (min-width: 1024px) { .tile-grid { grid-template-columns: repeat(6, 1fr); } }

/* Retirement callout under the tiles */
.callout {
  display: grid; gap: 16px; align-items: center; margin-top: 24px;
  padding: 24px 22px; border-radius: var(--radius);
  background: linear-gradient(135deg, #22272f, var(--ink));
  border: 1px solid #3a414c; border-left: 4px solid var(--gold);
  color: #e6e9ed; box-shadow: var(--shadow);
}
.callout-icon {
  display: grid; place-items: center; width: 52px; height: 52px; border-radius: 12px;
  border: 1px solid var(--gold); color: var(--gold);
}
.callout h3 { font-family: var(--font-head); font-size: 1.7rem; color: var(--white); margin-bottom: .25em; }
.callout p { margin: 0; color: var(--silver); }
@media (min-width: 768px) {
  .callout { grid-template-columns: auto 1fr auto; gap: 24px; padding: 26px 32px; }
}

/* ---------- Office box ---------- */
.office-box {
  background: var(--ink); color: var(--white); border-radius: calc(var(--radius) + 4px);
  padding: 28px 22px; box-shadow: var(--shadow);
  border: 1px solid #3a414c;
}
.office-title {
  font-family: var(--font-head); font-size: 1.9rem; margin-bottom: .75em; text-align: center;
}
.office-grid { display: grid; gap: 18px; margin: 0; }
.office-item { padding-top: 16px; border-top: 1px solid rgba(201, 206, 214, .18); }
.office-item:first-child { border-top: 0; padding-top: 0; }
.office-item dt {
  display: flex; align-items: center; gap: 8px; color: var(--gold);
  font-size: .8rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
}
.office-item dt .icon { width: 18px; height: 18px; }
.office-item dd { margin: 6px 0 0; font-size: 1.05rem; }
.office-item dd a { color: var(--white); font-weight: 600; }
.office-item dd a:hover { color: var(--gold); }
@media (min-width: 600px) {
  .office-box { padding: 32px 36px; }
  /* 2 x 2 on tablets */
  .office-grid { grid-template-columns: 1fr 1fr; gap: 24px 32px; }
  .office-item:nth-child(2) { border-top: 0; padding-top: 0; }
}
@media (min-width: 1024px) {
  /* 4 across on desktop; the hours column gets extra room */
  .office-grid { grid-template-columns: .9fr 1.1fr 1.45fr 1fr; gap: 24px; }
  .office-item { border-top: 0; padding-top: 0; border-left: 1px solid rgba(201, 206, 214, .18); padding-left: 20px; }
  .office-item:first-child { border-left: 0; padding-left: 0; }
}

/* ---------- Tabs ---------- */
.tab-list {
  display: flex; gap: 4px; padding: 4px; margin: 0 auto 24px; max-width: 520px;
  background: var(--white); border: 1px solid var(--line); border-radius: 999px;
}
.tab {
  flex: 1; min-height: 44px; padding: 8px 10px; border: 0; border-radius: 999px; cursor: pointer;
  background: transparent; color: var(--steel); font: 600 .98rem/1.2 var(--font-body);
}
.tab:hover { color: var(--text); }
.tab[aria-selected="true"] { background: var(--ink); color: var(--white); }
.tab-panel {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px 20px; box-shadow: var(--shadow);
}
.tab-panel:focus-visible { outline-offset: 4px; }
.prose { max-width: 70ch; margin: 0 auto; }
.prose h3 { font-family: var(--font-head); font-size: 1.7rem; }
@media (min-width: 768px) { .tab-panel { padding: 36px 40px; } }

.card-grid { display: grid; gap: 16px; }
@media (min-width: 700px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .card-grid { grid-template-columns: repeat(3, 1fr); } }
.card {
  border: 1px solid var(--line); border-radius: var(--radius); padding: 22px;
  background: var(--white); display: flex; flex-direction: column;
}
.card:target { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201, 162, 74, .25); }
.card-head { display: flex; align-items: center; gap: 12px; margin-bottom: 10px; }
.card-head h3 { margin: 0; font-family: var(--font-head); font-size: 1.55rem; }
.card-icon {
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%;
  background: var(--ink); color: var(--gold); flex-shrink: 0;
}
.card-icon .icon { width: 22px; height: 22px; }
.card-featured { border: 2px solid var(--gold); position: relative; }
.card-badge {
  align-self: flex-start; margin: 0 0 12px; padding: 3px 10px; border-radius: 999px;
  background: var(--ink); color: var(--gold); font-size: .75rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
}
.card .who {
  margin: auto 0 0; padding-top: 12px; border-top: 1px dashed var(--line);
  font-size: .95rem; color: var(--steel);
}
.card .who strong { color: var(--text); }

.state-list {
  list-style: none; padding: 0; margin: 0 0 1.25em;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px;
}
.state-list li {
  display: flex; align-items: center; gap: 8px; padding: 12px 14px;
  background: var(--mist); border-radius: 10px; font-weight: 600;
}
.state-list .icon { color: var(--gold-text); stroke-width: 2.5; }

/* ---------- Why independent ---------- */
.why-grid { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; }
@media (min-width: 700px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .why-grid { grid-template-columns: repeat(4, 1fr); } }
.why-item {
  background: rgba(255, 255, 255, .04); border: 1px solid rgba(201, 206, 214, .16);
  border-radius: var(--radius); padding: 24px 20px;
}
.why-item h3 { color: var(--white); font-size: 1.12rem; margin-top: 14px; }
.why-item p { color: var(--silver); margin: 0; font-size: 1rem; }
.why-icon {
  display: grid; place-items: center; width: 48px; height: 48px; border-radius: 12px;
  border: 1px solid var(--gold); color: var(--gold);
}

/* ---------- Testimonials carousel ---------- */
.carousel { max-width: 760px; margin: 0 auto; text-align: center; }
.carousel-track { position: relative; min-height: 160px; }
.testimonial { margin: 0; }
.testimonial blockquote {
  margin: 0 0 14px; font-family: var(--font-head); font-size: clamp(1.3rem, 4vw, 1.7rem); line-height: 1.4;
}
.testimonial figcaption { color: var(--steel); font-weight: 600; }
.carousel-controls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 20px; }
.carousel-btn {
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; cursor: pointer;
  background: var(--white); border: 1px solid var(--line); color: var(--text);
}
.carousel-btn:hover { border-color: var(--gold); }
.carousel-status { margin: 0; min-width: 4em; color: var(--steel); font-size: .95rem; }

/* ---------- FAQ accordion ---------- */
.accordion { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-heading { margin: 0; font-size: 1rem; }
.acc-trigger {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; width: 100%;
  padding: 18px 4px; background: none; border: 0; cursor: pointer; text-align: left;
  font: 600 1.06rem/1.4 var(--font-body); color: var(--text);
}
.acc-trigger:hover { color: var(--gold-text); }
.acc-icon { color: var(--gold-text); transition: transform .2s; }
.acc-trigger[aria-expanded="true"] .acc-icon { transform: rotate(180deg); }
.acc-panel { padding: 0 4px 18px; color: #343a44; }
.acc-panel p { margin: 0; }

/* ---------- Contact ---------- */
.contact-layout { display: grid; gap: 28px; }
@media (min-width: 900px) {
  .contact-layout { grid-template-columns: 1fr 1.5fr; gap: 48px; align-items: start; }
  .form-success { grid-column: 2; }
}
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.contact-list li { display: flex; align-items: center; gap: 10px; }
.contact-list .icon { color: var(--gold-text); }
.contact-list a { color: var(--text); font-weight: 600; word-break: break-word; }

.contact-form, .form-success {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 18px; box-shadow: var(--shadow);
}
@media (min-width: 768px) { .contact-form, .form-success { padding: 32px; } }
.notice {
  background: #fbf5e6; border-left: 4px solid var(--gold); color: #4a3a12;
  padding: 12px 14px; border-radius: 6px; margin-bottom: 20px; font-size: .95rem;
}
.field-row { display: grid; gap: 0 16px; }
@media (min-width: 600px) { .field-row { grid-template-columns: 1fr 1fr; } .field-zip { max-width: 50%; padding-right: 8px; } }
.field { margin: 0 0 16px; }
.field label, .field legend { display: block; font-weight: 600; margin-bottom: 6px; }
.req { color: #a3320b; }
.hint { font-weight: 400; color: var(--steel); }
input[type="text"], input[type="email"], input[type="tel"], textarea {
  width: 100%; min-height: 48px; padding: 10px 12px; border-radius: 8px;
  border: 1px solid #9aa2ad; background: var(--white); color: var(--text);
  font: 400 1rem/1.4 var(--font-body);
}
textarea { resize: vertical; min-height: 110px; }
input:focus-visible, textarea:focus-visible { outline: 3px solid var(--gold); outline-offset: 1px; border-color: var(--ink); }
input[aria-invalid="true"] { border-color: #a3320b; }
.checks { border: 0; padding: 0; margin: 0 0 16px; display: grid; gap: 8px; }
@media (min-width: 600px) { .checks { grid-template-columns: 1fr 1fr; } .checks legend { grid-column: 1 / -1; } }
.check {
  display: flex !important; align-items: center; gap: 10px; min-height: 44px; padding: 8px 12px; margin: 0 !important;
  border: 1px solid var(--line); border-radius: 8px; font-weight: 500 !important; cursor: pointer;
}
.check:has(input:checked) { border-color: var(--gold); background: #fbf5e6; }
.check input { width: 20px; height: 20px; accent-color: var(--ink); margin: 0; }
.form-error { color: #a3320b; font-weight: 600; }
.form-fine { font-size: .88rem; color: var(--steel); margin: 12px 0 0; text-align: center; }
.form-success h3 { font-family: var(--font-head); font-size: 2rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: var(--silver); padding: 40px 0 28px; font-size: .95rem; }
.footer-inner { display: grid; gap: 20px; padding-bottom: 20px; margin-bottom: 20px; border-bottom: 1px solid rgba(201, 206, 214, .15); }
.footer-brand p { margin: 0 0 .2em; }
.footer-name { font-family: var(--font-head); font-size: 1.5rem; font-weight: 700; color: var(--white); }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 24px; align-items: center; }
.footer-links a { color: var(--white); display: inline-flex; align-items: center; gap: 6px; min-height: 44px; }
.footer-links a:hover { color: var(--gold); }
.disclaimer { font-size: .85rem; line-height: 1.6; max-width: 90ch; }
.copyright { font-size: .85rem; margin: 0; }
@media (min-width: 768px) {
  .footer-inner { grid-template-columns: 1fr auto; align-items: center; }
}

/* ---------- Mobile sticky action bar ---------- */
.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
  padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
  background: rgba(20, 23, 28, .97); border-top: 1px solid rgba(201, 206, 214, .2);
  box-shadow: 0 -6px 20px rgba(0, 0, 0, .25);
}
.mobile-bar .btn { min-height: 50px; padding: 10px; }
@media (min-width: 768px) {
  .mobile-bar { display: none; }
  body { padding-bottom: 0; }
}

/* ---------- Privacy page ---------- */
.page-header { background: var(--ink); color: var(--white); padding: 48px 0 40px; }
.page-header h1 { font-family: var(--font-head); font-size: clamp(2.4rem, 7vw, 3.2rem); margin: 0; }
.page-header p { color: var(--silver); margin: .4em 0 0; }
.legal { padding: 40px 0 64px; }
.legal h2 { font-family: var(--font-head); font-size: 1.7rem; margin-top: 1.4em; }
.legal ul { padding-left: 1.2em; }
.legal li { margin-bottom: .4em; }
.page-privacy { padding-bottom: 0; }

/* Office hours list */
.hours { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.hours li { display: flex; gap: 8px; white-space: nowrap; }
.hours span { font-weight: 600; min-width: 5.2em; color: var(--white); }
.hours-note { margin: 6px 0 0; font-size: .92rem; color: var(--silver); }