/* Tom Chapman Insurance — shared site styles. Senior-first, advisor-led, navy/gold. System fonts (no web-font dependency). */
:root{
  --navy:#0c2742; --navy-deep:#081d31; --navy-soft:#15395b;
  --teal:#0f7a6b; --teal-deep:#0a5a4f;
  --gold:#e7972c; --gold-deep:#b96f12; --gold-ink:#3a2405;
  --cream:#fbf7f0; --cream-2:#f4ecdf; --line:#e7ddcd;
  --ink:#15222d; --muted:#4f6171; --white:#fff;
  --radius:14px; --maxw:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:18px;line-height:1.7;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Georgia,"Iowan Old Style","Times New Roman",serif;font-weight:600;line-height:1.15;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2.2rem,4.4vw,3.4rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem)}
h3{font-size:1.3rem}
p{margin:0 0 1rem}
a{color:var(--navy-soft)}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:1.05rem;padding:16px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.15s;min-height:56px;text-decoration:none}
.btn:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.btn-gold{background:var(--gold);color:var(--gold-ink);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-deep)}
.btn-ghost{background:transparent;color:var(--navy);border-color:#cdd8e2}
.btn-ghost:hover{background:#eef3f8}
.btn-lg{font-size:1.15rem;padding:18px 30px;min-height:62px}
.eyebrow{font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.82rem;color:var(--teal-deep)}
.center{text-align:center}

/* top utility bar */
.util{background:var(--navy-deep);color:#cfe0ee;font-size:.92rem}
.util .wrap{display:flex;justify-content:space-between;align-items:center;min-height:46px;gap:16px}
.util a{color:#fff;font-weight:600;text-decoration:none}
.util .right{display:flex;gap:22px;align-items:center}

/* header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:24px;min-height:78px}
.brand{display:flex;align-items:center;gap:13px;margin-right:auto;text-decoration:none}
.mono{width:50px;height:50px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-weight:700;font-size:1.35rem}
.brand b{font-family:Georgia,serif;font-weight:700;font-size:1.3rem;color:var(--navy);display:block;line-height:1.1}
.brand span{font-size:.82rem;color:var(--muted);font-weight:500}
.nav nav{display:flex;gap:22px}
.nav nav a{font-weight:600;font-size:1rem;color:#28384a;padding:6px 2px;border-bottom:2px solid transparent;text-decoration:none}
.nav nav a:hover,.nav nav a.active{color:var(--navy);border-color:var(--gold)}
.nav .cta{display:flex;gap:12px;align-items:center}

/* hero (home) */
.hero{background:linear-gradient(180deg,var(--cream),#fff);padding:64px 0 44px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{margin-top:14px}
.lead{font-size:1.3rem;color:#33485a;max-width:38ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 22px}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;margin-top:10px}
.trust-row .t{display:flex;gap:9px;align-items:flex-start;font-weight:600;color:#27414f;font-size:1rem;max-width:16ch}
.check{flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:#dff0ec;color:var(--teal-deep);display:grid;place-items:center;font-weight:800;margin-top:2px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 24px 60px -38px rgba(12,39,66,.5)}
.portrait{aspect-ratio:1/1;border-radius:16px;background:repeating-linear-gradient(135deg,#eef3f8,#eef3f8 14px,#e7eef5 14px,#e7eef5 28px);display:grid;place-items:center;text-align:center;color:#7388a0;border:1px dashed #c2d2e0}
.portrait .av{width:84px;height:84px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-size:1.9rem;margin-bottom:10px}
.ph{font-size:.86rem;font-weight:600;color:#7388a0}
img.portrait{object-fit:cover;border:1px solid #c2d2e0;background:none;display:block;width:100%}

/* inner-page hero */
.page-hero{background:var(--navy);color:#fff;padding:54px 0}
.page-hero h1{color:#fff;margin:0}
.page-hero p{color:#c3d3e3;font-size:1.2rem;margin:10px 0 0;max-width:60ch}
.page-hero .eyebrow{color:var(--gold)}

/* sections */
section{padding:64px 0}
.section-head{text-align:center;max-width:48ch;margin:0 auto 46px}
.section-head p{color:var(--muted);font-size:1.15rem;margin-top:8px}
.cream{background:var(--cream)}
.navyband{background:var(--navy);color:#e8f0f8}
.navyband h2{color:#fff}.navyband .section-head p{color:#b9cbdc}

/* cards / grids */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card.lift{transition:.15s}.card.lift:hover{transform:translateY(-4px);box-shadow:0 22px 40px -30px rgba(12,39,66,.55)}
.card .ic{width:54px;height:54px;border-radius:13px;background:#e7f3f0;color:var(--teal-deep);display:grid;place-items:center;margin-bottom:16px;font-size:1.5rem}
.card.alt .ic{background:#fbeed7;color:var(--gold-deep)}
.card h3{margin-bottom:8px}
.card p{margin:0;color:#3c4f5e;font-size:1rem}

/* steps */
.step .n{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font-family:Georgia,serif;font-size:1.4rem;display:grid;place-items:center;margin-bottom:16px}

/* value items (navy band) */
.vitem h3{color:#fff;font-family:inherit;font-weight:700;font-size:1.15rem;display:flex;gap:12px;align-items:center;margin-bottom:10px}
.vitem p{color:#bccfe0;margin:0;font-size:1rem}
.badge{width:40px;height:40px;border-radius:11px;background:var(--gold);color:var(--gold-ink);display:grid;place-items:center;flex:0 0 auto;font-size:1.2rem}

/* testimonials */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.stars{color:var(--gold);font-size:1.2rem;letter-spacing:2px;margin-bottom:10px}
.quote p{font-size:1.05rem;color:#27384a}
.quote .who{font-weight:700;color:var(--navy);margin-top:14px}

/* FAQ (CSS-only accordion) */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;font-size:1.1rem;padding:14px 0;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--gold);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq details p{color:#3c4f5e;margin:0 0 14px}

/* prose (articles / legal) */
.prose{max-width:760px;margin:0 auto}
.prose h2{margin-top:1.6em}.prose h3{margin-top:1.3em}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.5em}

/* forms */
.formcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;margin-bottom:6px;color:#28384a}
.field input,.field select,.field textarea{width:100%;padding:14px;border:1px solid #cdd8e2;border-radius:10px;font-size:1.05rem;font-family:inherit}
.field input:focus,.field textarea:focus,.field select:focus{outline:3px solid var(--teal);outline-offset:1px;border-color:var(--teal)}
.field textarea{min-height:120px}
.consent{font-size:.95rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.consent input{width:22px;height:22px;margin-top:3px;flex:0 0 auto}
.formnote{font-size:.95rem;color:var(--muted)}

/* final CTA */
.final{background:var(--gold);text-align:center}
.final h2{color:var(--gold-ink)}
.final p{color:#4a3209;font-size:1.2rem;max-width:42ch;margin:0 auto 26px;font-weight:500}

/* footer */
footer.site{background:var(--navy-deep);color:#aebfd0;font-size:.96rem;padding:60px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:34px}
footer.site h4{color:#fff;font-size:1.05rem;margin:0 0 14px}
footer.site a{color:#c4d3e2;display:block;padding:5px 0;text-decoration:none}
footer.site a:hover{color:#fff}
.foot-brand b{font-family:Georgia,serif;color:#fff;font-size:1.25rem}
.disclaimer{border-top:1px solid #1c3a59;padding-top:24px;color:#9fb2c6;font-size:.9rem;line-height:1.6}
.disclaimer strong{color:#d7e3ef}
.copy{margin-top:18px;color:#7e94aa;font-size:.86rem}

/* mobile */
.mobile-bar{display:none}
@media(max-width:980px){
  .hero-grid,.g2,.g3,.foot-grid{grid-template-columns:1fr}
  .g3{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{font-size:17px;padding-bottom:78px}
  .nav nav,.util .left,.nav .cta .btn-ghost{display:none}
  .g3,.foot-grid{grid-template-columns:1fr}
  section{padding:48px 0}
  .mobile-bar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:10px;box-shadow:0 -8px 24px -16px rgba(0,0,0,.4)}
  .mobile-bar .btn{flex:1;justify-content:center;padding:14px;min-height:54px;font-size:1.02rem}
}