/* Omni Insurance — site styles
   Design language is deliberately NOT Imperial Systems':
   light-dominant (not dark), all-sans display (not serif), blue (not gold),
   rounded cards (not hairline ledger rows), quote-form-first hero. */

:root{
  --paper:#FFFFFF;
  --ground:#F3F6FA;
  --ground-deep:#E8EDF4;
  --ink:#0F1B2E;
  --ink-soft:#22344D;
  --mute:#5D6E85;
  --faint:#5D6E85;   /* WCAG AA: 5.21:1 on paper, 4.80:1 on ground */
  --rule:#DDE4EC;
  --rule-soft:#EAEFF5;

  --accent:#1D5BD6;
  --accent-deep:#1547A8;
  --accent-wash:#EDF3FE;
  --accent-line:#C6D9F8;

  --navy:#0F1B2E;
  --navy-line:rgba(255,255,255,.16);

  --f-body:"Archivo","Helvetica Neue",Arial,sans-serif;
  --f-display:"Archivo","Helvetica Neue",Arial,sans-serif;

  --wrap:1160px;
  --r:10px;
  --shadow:0 1px 2px rgba(15,27,46,.05), 0 6px 20px rgba(15,27,46,.06);
  --shadow-lg:0 2px 4px rgba(15,27,46,.06), 0 18px 44px rgba(15,27,46,.10);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--ground);color:var(--ink);
  font-family:var(--f-body);font-size:16.5px;line-height:1.62;font-weight:400;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{color:var(--accent-deep)}
a:focus-visible,button:focus-visible,input:focus-visible,
select:focus-visible,textarea:focus-visible{
  outline:2px solid var(--accent);outline-offset:2px;border-radius:3px;
}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--f-display);color:var(--ink);margin:0;font-weight:700}
h1{font-size:clamp(2.15rem,4.6vw,3.5rem);line-height:1.08;letter-spacing:-.032em}
h2{font-size:clamp(1.6rem,2.7vw,2.3rem);line-height:1.16;letter-spacing:-.024em}
h3{font-size:1.16rem;line-height:1.3;letter-spacing:-.012em;font-weight:700}
h4{font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;color:var(--faint);font-weight:700}
h1 em,h2 em{font-style:normal;color:var(--accent)}
p{margin:0 0 1.05em}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 28px}
.narrow{max-width:760px}
section{padding:78px 0}
section.alt{background:var(--paper);border-block:1px solid var(--rule)}
section.navy{background:var(--navy);color:#fff}
section.navy h1,section.navy h2,section.navy h3{color:#fff}
section.navy p{color:rgba(255,255,255,.76)}

.eyebrow{
  font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;
  color:var(--accent);display:block;margin-bottom:14px;
}
section.navy .eyebrow,.cta .eyebrow{color:#7FA9F0}
.lede{font-size:1.1rem;color:var(--mute);max-width:56ch}
.sec-intro{max-width:640px;margin-bottom:44px}
.sec-intro p{color:var(--mute);margin-top:12px}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;font-family:var(--f-body);font-weight:600;font-size:.94rem;
  padding:14px 26px;border-radius:var(--r);border:1.5px solid transparent;
  cursor:pointer;text-align:center;
  transition:background .15s,color .15s,border-color .15s,box-shadow .15s;
}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent);box-shadow:var(--shadow)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep);color:#fff}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.28)}
.btn-ghost:hover{background:rgba(255,255,255,.16);color:#fff}
.btn-outline{background:var(--paper);color:var(--accent);border-color:var(--accent-line)}
.btn-outline:hover{background:var(--accent-wash);border-color:var(--accent);color:var(--accent-deep)}

/* ---------- header ---------- */
.site-header{background:var(--paper);border-bottom:1px solid var(--rule);position:sticky;top:0;z-index:40}
.topbar{background:var(--navy);color:rgba(255,255,255,.72);font-size:.8rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:4px 26px;justify-content:flex-end;padding-block:8px}
.topbar a{color:#fff;font-weight:600}
.topbar a:hover{color:#9DBEF5}

.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:15px}
.brand{display:flex;align-items:center;gap:11px;color:var(--ink)}
.brand-mark{flex:none;width:36px;height:36px;color:var(--ink)}
.brand-txt{display:block}
.brand .name{
  font-family:var(--f-display);font-size:1.24rem;font-weight:700;
  letter-spacing:-.022em;display:block;color:var(--ink);line-height:1.1;
}
.brand .tag{
  font-size:.58rem;letter-spacing:.17em;text-transform:uppercase;
  color:var(--faint);margin-top:3px;font-weight:700;display:block;
}
.nav-links{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a{
  display:block;padding:9px 14px;border-radius:7px;font-size:.87rem;font-weight:600;
  color:var(--ink-soft);letter-spacing:.01em;
}
.nav-links a:hover{background:var(--ground);color:var(--accent)}
.nav-links a[aria-current="page"]{background:var(--accent-wash);color:var(--accent)}
.nav-toggle{
  display:none;background:var(--paper);color:var(--ink);border:1.5px solid var(--rule);
  border-radius:8px;padding:9px 15px;font:600 .84rem var(--f-body);cursor:pointer;
}

/* ---------- hero ---------- */
.hero{background:var(--paper);border-bottom:1px solid var(--rule);padding:70px 0 76px}
.hero .split{align-items:start;gap:52px}
.hero h1{margin-bottom:20px}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-facts{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(148px,1fr));
  gap:22px;margin-top:44px;padding-top:30px;border-top:1px solid var(--rule);
}
.hero-facts dt{font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--faint);font-weight:700;margin-bottom:6px}
.hero-facts dd{margin:0;font-size:.9rem;color:var(--ink-soft);font-weight:500}

/* quote card that sits in the hero */
.form-wrap{
  background:var(--paper);border:1px solid var(--rule);border-radius:14px;
  padding:30px 28px;box-shadow:var(--shadow-lg);
}
.form-wrap h2{font-size:1.42rem;margin-bottom:6px}
.form-wrap .hint{font-size:.85rem;color:var(--mute);margin-bottom:20px}

/* ---------- page head (sub-pages) ---------- */
.page-head{background:var(--paper);border-bottom:1px solid var(--rule);padding:62px 0 58px}
.page-head h1{margin-bottom:18px}
.page-head p{color:var(--mute);font-size:1.06rem;max-width:60ch;margin:0}

/* ---------- coverage cards (replaces Imperial's ledger rows) ---------- */
.ledger{display:grid;grid-template-columns:repeat(auto-fit,minmax(310px,1fr));gap:18px}
.ledger-row{
  background:var(--paper);border:1px solid var(--rule);border-radius:var(--r);
  padding:28px 26px;transition:box-shadow .16s,border-color .16s;
}
.ledger-row:hover{box-shadow:var(--shadow);border-color:var(--accent-line)}
.ledger-row h3{margin-bottom:10px}
.ledger-row .body p{color:var(--mute);font-size:.94rem;margin-bottom:16px}
.ledger-row ul{list-style:none;margin:0;padding:0}
.ledger-row li{
  font-size:.9rem;color:var(--ink-soft);padding:6px 0 6px 20px;position:relative;
}
.ledger-row li::before{
  content:"";position:absolute;left:0;top:14px;width:8px;height:8px;
  border-radius:50%;background:var(--accent-wash);border:1.5px solid var(--accent-line);
}
.more{margin:16px 0 0}
.more a{font-weight:600;font-size:.9rem}

/* ---------- misc blocks ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:46px}
.stack{display:grid;gap:18px}
.cta{background:var(--navy);color:#fff;padding:74px 0}
.cta h2{color:#fff}
.cta p{color:rgba(255,255,255,.76)}
.note-card{
  background:var(--accent-wash);border:1px solid var(--accent-line);
  border-radius:var(--r);padding:24px 26px;
}
.note-card h3{margin-bottom:8px}
.note-card p{color:var(--ink-soft);margin:0;font-size:.94rem}
.person h3{margin-bottom:2px}
.role{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);font-weight:700;margin-bottom:10px}
.detail{color:var(--mute);font-size:.94rem}
.hours{list-style:none;margin:0;padding:0;color:var(--mute)}
.hours li{padding:7px 0;border-bottom:1px solid var(--rule-soft);font-size:.93rem}
.tags{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:16px 0 0;padding:0}
.tags li{
  font-size:.8rem;background:var(--ground);border:1px solid var(--rule);
  border-radius:100px;padding:5px 13px;color:var(--ink-soft);
}
.facts{margin:0}
.facts dt{font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--faint);font-weight:700;margin-top:18px}
.facts dd{margin:5px 0 0;color:var(--ink-soft)}

/* ---------- service tiles ---------- */
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin-top:26px}
.tile{
  background:var(--paper);border:1px solid var(--rule);border-radius:var(--r);
  padding:22px 20px;display:block;transition:border-color .15s,box-shadow .15s,transform .15s;
}
.tile:hover{border-color:var(--accent);box-shadow:var(--shadow);transform:translateY(-2px)}
.tile h3{font-size:.98rem;margin-bottom:6px;color:var(--ink)}
.tile p{font-size:.85rem;color:var(--mute);margin:0;line-height:1.5}

/* ---------- forms ---------- */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column}
.field.full{grid-column:1/-1}
.field label{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--ink-soft);margin-bottom:7px}
.field input,.field select,.field textarea{
  font:inherit;font-size:.94rem;color:var(--ink);background:var(--paper);
  border:1.5px solid var(--rule);border-radius:8px;padding:11px 13px;width:100%;
  transition:border-color .14s,box-shadow .14s;
}
.field input:hover,.field select:hover,.field textarea:hover{border-color:var(--faint)}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-wash);
}
.field textarea{min-height:112px;resize:vertical}
.req{color:var(--accent)}
.form-note{font-size:.8rem;color:var(--mute);margin:16px 0 0;line-height:1.55}
.form-actions{margin-top:20px}
.form-actions .btn{width:100%}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.7);padding:64px 0 36px;font-size:.9rem}
.site-footer a{color:rgba(255,255,255,.82)}
.site-footer a:hover{color:#fff}
.footer-top{
  margin-bottom:40px;padding-bottom:30px;border-bottom:1px solid var(--navy-line);
  display:flex;align-items:baseline;gap:14px;flex-wrap:wrap;
}
.footer-top .name{font-family:var(--f-display);font-size:1.2rem;font-weight:700;color:#fff;letter-spacing:-.02em}
.footer-top .tag{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:#93A3B7}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:34px}
.footer-grid h4{color:#7FA9F0;margin-bottom:14px}
.footer-grid ul{list-style:none;margin:0;padding:0}
.footer-grid li{padding:5px 0}
.footer-grid p{margin:0 0 .4em}
.legal{margin-top:44px;padding-top:26px;border-top:1px solid var(--navy-line);font-size:.78rem;color:rgba(255,255,255,.5)}
.legal p{margin:0 0 .7em}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .split{grid-template-columns:1fr;gap:34px}
  .hero{padding:48px 0 54px}
  section{padding:56px 0}
}
@media (max-width:760px){
  .nav-toggle{display:block}
  .nav-links{
    display:none;position:absolute;left:0;right:0;top:100%;
    flex-direction:column;gap:0;background:var(--paper);
    border-bottom:1px solid var(--rule);box-shadow:var(--shadow);padding:8px 0;
  }
  .nav-links.open{display:flex}
  .nav{position:relative}
  .nav-links a{padding:13px 28px;border-radius:0}
  .form-grid{grid-template-columns:1fr}
  .topbar .wrap{justify-content:flex-start}
}

/* label-style headings (footer columns, benefit blocks) — h3 for correct
   heading order, styled as the small uppercase label they read as */
h3.label{
  font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--faint);font-weight:700;
}
.footer-grid h3.label{color:#7FA9F0;margin-bottom:14px}

/* ---------- photography ---------- */
.media{margin:0}
.media img{
  width:100%;height:100%;object-fit:cover;display:block;
  border-radius:var(--r);border:1px solid var(--rule);
}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.feature .media{aspect-ratio:16/10}
.feature h2{margin-bottom:14px}
.feature p{color:var(--mute)}
.feature .stack{margin-top:26px;gap:20px}
.feature .stack h3{margin-bottom:5px}
.feature .stack p{margin:0;font-size:.92rem}
.feature.flip .media{order:2}
@media (max-width:900px){
  .feature{grid-template-columns:1fr;gap:28px}
  .feature.flip .media{order:0}
}
.media.banner{aspect-ratio:32/9;margin-bottom:46px}
@media (max-width:760px){.media.banner{aspect-ratio:16/9;margin-bottom:32px}}