/* Wesley Hutchinson — Final Expense Quote Site (draft)
   Mobile-first, high contrast, large type for readers roughly 50–85. */

:root {
  --bg: #f4f0ea;
  --bg-warm: #ece6dc;
  --paper: #fffcf7;
  --ink: #1b2428;
  --ink-soft: #3a474c;
  --muted: #5a656a;
  --line: #d4cdc3;
  --teal: #1b5850;
  --teal-dark: #123e39;
  --teal-soft: #e6f0ee;
  --bronze: #7a5c2e;
  --focus: #0e6e62;
  --error: #8a2b2b;
  --shadow: 0 1px 2px rgba(27, 36, 40, 0.06), 0 8px 24px rgba(27, 36, 40, 0.06);
  --radius: 12px;
  --font-serif: "Source Serif 4", "Iowan Old Style", Palatino, "Palatino Linotype", Georgia, serif;
  --font-sans: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --space: 1.25rem;
  --max: 42rem;
  --max-wide: 64rem;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1.125rem; /* 18px */
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }

a {
  color: var(--teal);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.15em;
}

a:hover { color: var(--teal-dark); }

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: 0.75rem;
  top: -4rem;
  z-index: 100;
  background: var(--ink);
  color: #fff;
  padding: 0.6rem 1rem;
  border-radius: 6px;
  text-decoration: none;
}

.skip-link:focus { top: 0.75rem; }

/* Header */
.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 20;
}

.header-inner {
  max-width: var(--max-wide);
  margin: 0 auto;
  padding: 0.75rem 1.25rem;
  display: flex;
  flex-wrap: nowrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.65rem 1rem;
}

.wordmark {
  text-decoration: none;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  gap: 0.05rem;
}

.wordmark-name {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.2rem;
  letter-spacing: -0.01em;
  line-height: 1.2;
}

.wordmark-role {
  font-size: 0.8rem;
  color: var(--muted);
  letter-spacing: 0.02em;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--teal);
  text-decoration: none;
  padding: 0.4rem 0.65rem;
  border-radius: 8px;
  background: var(--teal-soft);
  white-space: nowrap;
  flex-shrink: 0;
}

.header-phone:hover { background: #d7e8e4; color: var(--teal-dark); }

.header-phone svg { width: 1.15rem; height: 1.15rem; flex-shrink: 0; }

/* Hero */
.hero {
  background:
    linear-gradient(180deg, var(--paper) 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--line);
  padding: 2.25rem 1.25rem 2.75rem;
}

.hero-inner {
  max-width: var(--max);
  margin: 0 auto;
}

.hero-photo {
  display: block;
  width: 7.25rem;
  height: 7.25rem;
  object-fit: cover;
  object-position: center 18%;
  border-radius: 50%;
  border: 3px solid #fff;
  box-shadow: var(--shadow);
  margin: 0 0 1.25rem;
}

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--bronze);
  margin: 0 0 0.85rem;
}

.hero h1 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(2rem, 7vw, 3.15rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 1rem;
  color: var(--ink);
  text-wrap: balance;
}

.hero-sub {
  font-size: 1.2rem;
  line-height: 1.55;
  color: var(--ink-soft);
  margin: 0 0 0.75rem;
  max-width: 38rem;
}

.hero-faith {
  margin: 0 0 1.5rem;
  font-size: 1.15rem;
  line-height: 1.5;
  color: var(--ink-soft);
  max-width: 38rem;
}

.welcome-note {
  margin: 0 0 1.5rem;
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--ink-soft);
}

.hero-actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: inherit;
  font-size: 1.125rem;
  font-weight: 700;
  line-height: 1.2;
  text-decoration: none;
  border-radius: 10px;
  padding: 0.95rem 1.35rem;
  border: 2px solid transparent;
  cursor: pointer;
  min-height: 3.25rem;
  text-align: center;
}

.btn svg { width: 1.25rem; height: 1.25rem; flex-shrink: 0; }

.btn-primary {
  background: var(--teal);
  color: #fff;
  border-color: var(--teal);
}

.btn-primary:hover {
  background: var(--teal-dark);
  border-color: var(--teal-dark);
  color: #fff;
}

.btn-secondary {
  background: transparent;
  color: var(--teal-dark);
  border-color: var(--teal);
}

.btn-secondary:hover {
  background: var(--teal-soft);
  color: var(--teal-dark);
}

.hero-note {
  margin: 1.25rem 0 0;
  font-size: 1rem;
  color: var(--muted);
}

/* Sections */
.section {
  padding: 2.75rem 1.25rem;
}

.section-inner {
  max-width: var(--max);
  margin: 0 auto;
}

.section-wide .section-inner {
  max-width: var(--max-wide);
}

.section h2 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.6rem, 4.5vw, 2.1rem);
  line-height: 1.25;
  margin: 0 0 0.5rem;
  letter-spacing: -0.015em;
  text-wrap: balance;
}

.lede {
  margin: 0 0 1.75rem;
  color: var(--ink-soft);
  font-size: 1.15rem;
}

.section-alt {
  background: var(--bg-warm);
}

.section-paper {
  background: var(--paper);
}

/* How it works */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 1rem;
}

.step {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.25rem 1.15rem;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem 1rem;
  align-items: start;
  box-shadow: var(--shadow);
}

.step-num {
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  background: var(--teal);
  color: #fff;
  font-weight: 700;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
}

.step h3 {
  margin: 0 0 0.25rem;
  font-size: 1.2rem;
  font-weight: 700;
}

.step p {
  margin: 0;
  color: var(--ink-soft);
  grid-column: 2;
}

/* Coverage cards */
.cover-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 1rem;
}

.cover-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.25rem;
  box-shadow: var(--shadow);
}

.cover-icon {
  width: 2.5rem;
  height: 2.5rem;
  color: var(--teal);
  margin: 0 0 0.65rem;
}

.cover-item h3 {
  margin: 0 0 0.3rem;
  font-size: 1.2rem;
}

.cover-item p {
  margin: 0;
  color: var(--ink-soft);
}

.fine-print {
  margin: 1.5rem 0 0;
  font-size: 0.98rem;
  color: var(--muted);
}

/* About */
.about-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.35rem;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
  align-items: center;
}

.about-photo {
  display: block;
  width: 100%;
  max-width: 15rem;
  height: auto;
  aspect-ratio: 800 / 992;
  object-fit: cover;
  object-position: center 18%;
  border-radius: 16px;
  box-shadow: var(--shadow);
}

.about-text { width: 100%; }

.about-card p { margin: 0 0 1rem; }
.about-card p:last-child { margin-bottom: 0; }

/* FAQ */
.faq-list {
  display: grid;
  gap: 0.75rem;
}

.faq-list details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0;
  box-shadow: var(--shadow);
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  font-size: 1.1rem;
  line-height: 1.35;
  padding: 1rem 1.15rem;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.faq-list summary::-webkit-details-marker { display: none; }

.faq-list summary::after {
  content: "+";
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 50%;
  background: var(--teal-soft);
  color: var(--teal-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.25rem;
  line-height: 1;
}

.faq-list details[open] summary::after { content: "–"; }

.faq-list details p {
  margin: 0;
  padding: 0 1.15rem 1.15rem;
  color: var(--ink-soft);
}

/* Form */
#quote {
  scroll-margin-top: 5rem;
}

.form-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.25rem 1.75rem;
  box-shadow: var(--shadow);
}

.form-grid {
  display: grid;
  gap: 1.1rem;
}

.field label,
.field-label {
  display: block;
  font-weight: 700;
  font-size: 1rem;
  margin: 0 0 0.35rem;
}

.optional {
  font-weight: 500;
  color: var(--muted);
}

.hint {
  display: block;
  font-size: 0.9rem;
  color: var(--muted);
  margin: 0.3rem 0 0;
}

input[type="text"],
input[type="tel"],
input[type="email"],
select,
textarea {
  width: 100%;
  font-family: inherit;
  font-size: 1.125rem; /* prevents iOS zoom */
  color: var(--ink);
  background: #fff;
  border: 1.5px solid #b7b1a8;
  border-radius: 8px;
  padding: 0.7rem 0.8rem;
  min-height: 3rem;
  appearance: none;
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath fill='none' stroke='%231b2428' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round' d='M3 6l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.8rem center;
  background-size: 1rem;
  padding-right: 2.4rem;
}

textarea {
  min-height: 7rem;
  resize: vertical;
  line-height: 1.45;
}

input:hover, select:hover, textarea:hover {
  border-color: #8d877e;
}

.consent {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.7rem;
  align-items: start;
  padding: 0.85rem 0 0.25rem;
}

.consent input[type="checkbox"] {
  width: 1.25rem;
  height: 1.25rem;
  margin: 0.2rem 0 0;
  accent-color: var(--teal);
  flex-shrink: 0;
}

.consent label {
  font-weight: 500;
  font-size: 1rem;
  color: var(--ink-soft);
}

.form-actions {
  margin-top: 0.4rem;
}

.form-fallback {
  margin: 1rem 0 0;
  font-size: 0.98rem;
  color: var(--muted);
}

/* Hide the Netlify Forms honeypot from people, but keep it in the page for bots. */
.honeypot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* Recruiting */
.recruit {
  background: var(--teal);
  color: #f4f0ea;
}

.recruit h2 { color: #fff; }

.recruit .lede,
.recruit p { color: #e4ecea; }

.recruit a { color: #fff; }

.recruit a.btn-on-dark,
.recruit a.btn-on-dark:hover {
  color: var(--teal-dark);
}

.recruit-actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 1rem;
}

.btn-on-dark {
  background: #fff;
  color: var(--teal-dark);
  border-color: #fff;
}

.btn-on-dark:hover {
  background: var(--teal-soft);
  border-color: var(--teal-soft);
  color: var(--teal-dark);
}

.btn-on-dark-outline {
  background: transparent;
  color: #fff;
  border-color: #fff;
}

.btn-on-dark-outline:hover {
  background: rgba(255,255,255,0.12);
  color: #fff;
}

/* Footer */
.site-footer {
  background: #1b2428;
  color: #d8d4ce;
  padding: 2.5rem 1.25rem 2rem;
  font-size: 0.98rem;
  line-height: 1.6;
}

.footer-inner {
  max-width: var(--max-wide);
  margin: 0 auto;
}

.footer-brand {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: #fff;
  margin: 0 0 0.15rem;
  font-weight: 600;
}

.footer-role {
  margin: 0 0 1rem;
  color: #c5c0b8;
}

.footer-contact {
  margin: 0 0 1.25rem;
}

.footer-contact a {
  color: #fff;
}

.licenses {
  margin: 0 0 1.25rem;
  color: #c5c0b8;
}

.disclaimer,
.privacy,
.copyright {
  margin: 0 0 0.9rem;
  color: #b7b2aa;
  font-size: 0.9rem;
}

.copyright { margin-bottom: 0; }

/* Desktop / wider phones in landscape */
@media (min-width: 640px) {
  .hero-actions,
  .recruit-actions {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .steps {
    grid-template-columns: 1fr;
  }

  .cover-list {
    grid-template-columns: 1fr 1fr 1fr;
  }

  .form-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.1rem;
  }

  .form-card {
    padding: 2rem 2rem 2.15rem;
  }

  .about-card {
    padding: 1.75rem 2rem;
    flex-direction: row;
    align-items: center;
    gap: 1.75rem;
  }

  .about-photo {
    width: 12.5rem;
    max-width: 12.5rem;
    flex-shrink: 0;
    align-self: flex-start;
  }
}

@media (min-width: 900px) {
  .hero {
    padding: 3.75rem 1.5rem 4rem;
  }

  .hero-inner {
    max-width: var(--max-wide);
    display: grid;
    grid-template-columns: 1fr 15.5rem;
    grid-template-areas:
      "eyebrow photo"
      "title photo"
      "sub photo"
      "faith photo"
      "actions photo"
      "note photo";
    column-gap: 3rem;
    row-gap: 0;
    align-items: center;
  }

  .hero-inner .eyebrow { grid-area: eyebrow; }
  .hero-inner h1 { grid-area: title; }
  .hero-sub { grid-area: sub; }
  .hero-faith { grid-area: faith; }
  .hero-photo {
    grid-area: photo;
    width: 15.5rem;
    height: 15.5rem;
    margin: 0;
    justify-self: end;
    align-self: center;
  }
  .hero-actions { grid-area: actions; }
  .hero-note { grid-area: note; }

  .section {
    padding: 3.5rem 1.5rem;
  }

  .steps {
    grid-template-columns: 1fr 1fr 1fr;
  }

  .step {
    grid-template-columns: 1fr;
    text-align: left;
    padding: 1.5rem;
  }

  .step p { grid-column: 1; }

  .header-inner {
    padding: 0.9rem 1.5rem;
  }

  .wordmark-name { font-size: 1.3rem; }

  .header-phone { font-size: 1.15rem; padding: 0.4rem 0.7rem; }
}


/* Site navigation */
.site-nav {
  border-top: 1px solid var(--line);
  background: var(--paper);
}

.nav-inner {
  max-width: var(--max-wide);
  margin: 0 auto;
  padding: 0.35rem 1.25rem 0.55rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.15rem 0.35rem;
}

.site-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 2.6rem;
  padding: 0.25rem 0.65rem;
  text-decoration: none;
  font-weight: 700;
  font-size: 1rem;
  color: var(--teal-dark);
  border-radius: 8px;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: var(--teal-soft);
  color: var(--teal-dark);
}

/* Breadcrumbs */
.breadcrumb {
  max-width: var(--max);
  margin: 0 auto 1.25rem;
  padding: 0;
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.45rem;
  font-size: 1rem;
  color: var(--muted);
}

.breadcrumb li:not(:last-child)::after {
  content: "›";
  margin-left: 0.45rem;
  color: var(--muted);
}

.breadcrumb a { color: var(--teal); }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(180deg, var(--paper) 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--line);
  padding: 1.5rem 1.25rem 2.25rem;
}

.page-hero-inner { max-width: var(--max); margin: 0 auto; }

.article-body,
.prose {
  max-width: var(--max);
}

.article-body h2,
.prose h2 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.4rem, 4vw, 1.85rem);
  line-height: 1.25;
  margin: 2rem 0 0.6rem;
  letter-spacing: -0.015em;
  text-wrap: balance;
}

.article-body p,
.prose p { margin: 0 0 1rem; color: var(--ink-soft); }

.article-body ul,
.prose ul,
.article-body ol,
.prose ol {
  margin: 0 0 1.2rem;
  padding-left: 1.25rem;
  color: var(--ink-soft);
}

.article-body li,
.prose li { margin: 0 0 0.4rem; }

.compare {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 1.5rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  font-size: 1.05rem;
}

.compare th,
.compare td {
  text-align: left;
  padding: 0.8rem 0.9rem;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

.compare th {
  background: var(--teal-soft);
  color: var(--ink);
  font-weight: 700;
}

.compare tr:last-child td { border-bottom: 0; }

/* Cards / link lists */
.card-list,
.state-list,
.related-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.85rem;
}

.card-list a,
.state-list a,
.related-list a {
  display: block;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.05rem 1.15rem;
  text-decoration: none;
  color: var(--ink);
  box-shadow: var(--shadow);
}

.card-list a:hover,
.state-list a:hover,
.related-list a:hover {
  border-color: var(--teal);
  color: var(--ink);
}

.card-list h3,
.related-list h3,
.state-list h3 {
  margin: 0 0 0.25rem;
  font-size: 1.15rem;
  color: var(--teal-dark);
}

.card-list p,
.state-list p,
.related-list p {
  margin: 0;
  color: var(--ink-soft);
  font-size: 1.05rem;
}

@media (min-width: 640px) {
  .card-list,
  .state-list { grid-template-columns: 1fr 1fr; }
}

/* CTA band */
.cta-band {
  background: var(--teal);
  color: #f4f0ea;
  padding: 2.25rem 1.25rem;
}

.cta-band h2 { color: #fff; margin-bottom: 0.5rem; }
.cta-band p { color: #e4ecea; margin: 0 0 1.1rem; }
.cta-band .welcome-note { color: #e4ecea; }
.cta-band a.btn-on-dark,
.cta-band a.btn-on-dark:hover { color: var(--teal-dark); }
.cta-band a.btn-on-dark-outline,
.cta-band a.btn-on-dark-outline:hover { color: #fff; }

/* Share */
.share {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 1.5rem 0 0;
}

.share a,
.share button {
  display: inline-flex;
  align-items: center;
  min-height: 2.6rem;
  padding: 0.35rem 0.8rem;
  border-radius: 8px;
  border: 1.5px solid var(--line);
  background: var(--paper);
  color: var(--teal-dark);
  font: inherit;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
}

.share a:hover,
.share button:hover { background: var(--teal-soft); color: var(--teal-dark); }

/* Footer page links */
.footer-nav {
  margin: 0 0 1.35rem;
}

.footer-nav h2 {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #c5c0b8;
  margin: 1rem 0 0.4rem;
  font-weight: 700;
}

.footer-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.9rem;
}

.footer-nav a { color: #fff; }

/* Checklist */
.checklist {
  list-style: none;
  margin: 0 0 1.5rem;
  padding: 0;
}

.checklist li {
  margin: 0 0 0.55rem;
}

.checklist label {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.7rem;
  align-items: start;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
}

.checklist input[type="checkbox"] {
  width: 1.25rem;
  height: 1.25rem;
  margin: 0.2rem 0 0;
  accent-color: var(--teal);
}

.print-actions { margin: 0 0 1.25rem; }

@media print {
  .site-header,
  .site-nav,
  .cta-band,
  .share,
  .site-footer,
  .skip-link,
  .print-actions,
  .recruit { display: none !important; }
  body { background: #fff; color: #000; }
  .page-hero { border: 0; padding: 0; background: #fff; }
  .section { padding: 0.5rem 0; }
  a { color: #000; text-decoration: none; }
  .checklist label { border: 1px solid #444; box-shadow: none; }
}

#quote, #learn, #states { scroll-margin-top: 8rem; }

@media (max-width: 47.99rem) {
  .nav-inner {
    padding: 0.2rem 0.85rem 0.35rem;
    gap: 0.05rem 0.15rem;
  }
  .site-nav a {
    min-height: 2.35rem;
    padding: 0.15rem 0.45rem;
    font-size: 0.92rem;
  }
}