/* AAA Insurance Coverages — shared public site styles (gold / white / charcoal, no blue) */
:root{
  --dark:#23262b;--dark-2:#31302a;--gold:#c9a327;--gold-deep:#977415;--gold-bright:#e2c04a;
  --ink:#282a2e;--muted:#6b6a60;--line:#e5ddc7;--bg:#ffffff;--cream:#f6efdd;
  --radius:14px;--shadow:0 12px 34px rgba(35,38,43,.12);--shadow-sm:0 4px 14px rgba(35,38,43,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--gold-deep);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.2;color:var(--dark);margin:0 0 .5em}
h2{font-size:1.95rem;margin-top:0}
.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;font-weight:800;color:var(--gold-deep);margin-bottom:.6rem}
.btn{display:inline-block;background:var(--gold);color:#fff !important;padding:15px 32px;border-radius:26px;font-weight:800;border:none;cursor:pointer;transition:transform .15s,box-shadow .2s,filter .15s;box-shadow:0 6px 16px rgba(120,90,15,.32);text-shadow:0 1px 2px rgba(70,50,0,.4)}
.btn:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 11px 24px rgba(120,90,15,.4);filter:brightness(1.04)}
.btn.secondary{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.55)}
.btn.big{padding:16px 34px;font-size:1.05rem}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;flex-direction:column;font-weight:800;color:var(--gold-deep);font-size:1.34rem;line-height:1.1}
.brand small{font-weight:600;font-size:.75rem;color:var(--muted);letter-spacing:.04em;margin-top:3px}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a{color:var(--ink);font-weight:700;font-size:.95rem}
.nav-links a.current{color:var(--gold-deep)}
.nav-links .btn{color:#fff}
.nav-links .stafflink{font-size:.82rem !important;color:var(--muted) !important;font-weight:700;border:1px solid var(--line);padding:8px 13px;border-radius:999px}
.nav-links .stafflink:hover{color:var(--dark) !important;background:var(--cream);text-decoration:none}
.menu-btn{display:none;background:none;border:none;font-size:1.7rem;color:var(--dark);cursor:pointer;line-height:1;padding:6px 10px}
@media(max-width:860px){
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:14px 22px;border-bottom:1px solid var(--line);gap:6px;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 4px;border-bottom:1px solid var(--cream)}
  .nav-links .btn{text-align:center}
  .menu-btn{display:block}
}

/* dark / photo sections */
.dark{position:relative;color:#fff;background:#484b51;overflow:hidden}
.photo{position:relative;color:#fff}
.photo::before{content:"";position:absolute;inset:0;background:
   linear-gradient(150deg,rgba(30,31,35,.86),rgba(45,40,25,.78)),
   var(--photo,none);
   background-size:cover;background-position:center;z-index:0}
.photo > *{position:relative;z-index:1}
.dark h1,.dark h2,.photo h1,.photo h2{color:#fff}
.dark .lead,.photo .lead{color:#e9e3d4}
.dark .eyebrow,.photo .eyebrow{color:var(--gold-bright)}

/* hero */
.hero{padding:84px 0 92px}
.hero-inner{display:flex;gap:46px;align-items:center}
.hero-text{flex:1;min-width:0}
.hero h1{font-size:2.7rem;max-width:16ch}
.hero p{font-size:1.2rem;max-width:56ch;color:#efe7d4;margin-bottom:14px}
.hero .eyebrow{color:var(--gold-bright)}
.hero .smallbiz{color:var(--gold-bright);font-weight:800;margin:0 0 20px;font-size:1.02rem}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-img{width:38%;max-width:380px;border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.32);flex:none;background:#fbf3dd}
.trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;color:#eadfc6;font-size:.92rem}
.trust span{display:flex;align-items:center;gap:8px}
.trust .dot{width:9px;height:9px;border-radius:50%;background:var(--gold-bright)}
@media(max-width:860px){.hero-inner{flex-direction:column-reverse;gap:26px}.hero-img{width:80%}.hero h1{font-size:2rem}.hero{padding:54px 0 60px}}

/* sections */
section{padding:74px 0}
.section-soft{background:#f3e7c4}
.center{text-align:center}
.lead{font-size:1.12rem;color:var(--muted);max-width:64ch;margin:0 auto 8px}
.grid{display:grid;gap:22px;margin-top:38px}
.grid.g3{grid-template-columns:repeat(3,1fr)}
.grid.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.grid.g3,.grid.g2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}
.card .ico{width:50px;height:50px;border-radius:12px;background:#f5edd8;display:grid;place-items:center;margin-bottom:16px;font-size:1.5rem}
.card h3{font-size:1.2rem}
.card p{color:var(--muted);margin:0}
.note{font-size:.82rem;color:var(--muted)}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 20px;margin-bottom:12px}
details summary{cursor:pointer;font-weight:800;color:var(--dark);padding:14px 0;list-style:none;display:flex;justify-content:space-between;align-items:center}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-size:1.4rem;color:var(--gold-deep)}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin:0 0 16px}

/* secure form */
.lock-badges{display:flex;gap:16px;flex-wrap:wrap;justify-content:center;margin:8px 0 6px}
.lock-badges span{display:flex;align-items:center;gap:8px;font-size:.9rem;color:var(--dark);font-weight:600;background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:999px}
.secure-form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px;margin:30px auto 0;max-width:620px;box-shadow:var(--shadow)}
.secure-form label{display:block;font-weight:700;margin:18px 0 7px;font-size:1.02rem;color:var(--dark)}
.secure-form input,.secure-form textarea{width:100%;padding:13px 15px;border:1px solid #cfc7b0;border-radius:10px;font:inherit;font-size:1.05rem;background:#fff}
.secure-form input:focus,.secure-form textarea:focus{outline:2px solid var(--gold);background:#fff}
.filehint{font-size:.92rem;color:var(--muted);margin:8px 0 0}
.filepreview{margin-top:8px}
.fp-row{background:#eef6ee;border:1px solid #cbe6cb;color:#14622f;border-radius:8px;padding:8px 12px;font-size:.9rem}
.fp-check{font-weight:800}
.fp-size{color:#5a6b5a}
.fp-thumb{display:block;margin-top:8px;max-width:220px;max-height:150px;border-radius:8px;border:1px solid var(--line)}
.secure-form .row{display:flex;gap:14px}
.secure-form .row>div{flex:1}
@media(max-width:560px){.secure-form .row{flex-direction:column;gap:0}}
.secure-form .hint{font-size:.8rem;color:var(--muted);margin:6px 0 0}
.telwrap{display:flex;align-items:stretch}
.telpfx{display:flex;align-items:center;gap:5px;padding:0 12px;background:#efe7d2;border:1px solid var(--line);border-right:none;border-radius:10px 0 0 10px;font-weight:700;color:var(--dark);white-space:nowrap}
.telwrap input{border-radius:0 10px 10px 0 !important}
.filebtn{display:block;border:1.5px dashed var(--line);background:var(--cream);border-radius:10px;padding:14px;text-align:center;color:var(--muted);font-size:.95rem;cursor:pointer}
.filebtn input{display:none}

/* footer */
footer{background:var(--dark);color:#cfc9ba;padding:52px 0 30px;font-size:.9rem}
footer .fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
@media(max-width:820px){footer .fgrid{grid-template-columns:1fr}}
footer h4{color:#fff;margin:0 0 12px;font-size:1rem}
footer a{color:#cfc9ba}
footer a:hover{color:var(--gold-bright)}
.footer-contact b{color:#fff;font-size:1.15rem}
.staff-mini{color:#7c776c;font-size:.8rem}
.disclaimer{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:22px;color:#9a9484;font-size:.8rem;line-height:1.7}