/* ==========================================================================
   ABG Insurance
   Rebuilt from the recovered Base44 design, 2026-08-16.

   Palette and type scale come from the original design record:
     Independence Navy  #0A1128
     Valor Crimson      #D90429
     Federal Silver     #E2E2E2
   Body copy never goes below 18px — the audience is seniors and families,
   and that was an explicit constraint in the original brief.
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,600;8..60,700&family=Inter:wght@400;500;600;700&display=swap');

:root {
  --navy:        #0A1128;
  --navy-700:    #12203f;
  --navy-500:    #1d3054;
  --crimson:     #D90429;
  --crimson-600: #b30320;
  --silver:      #E2E2E2;
  --ink:         #16203a;
  --muted:       #55617c;
  --line:        #dde3ee;
  --bg:          #ffffff;
  --bg-soft:     #f6f8fc;

  --serif: 'Source Serif 4', 'Iowan Old Style', Palatino, Georgia, serif;
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --wrap: 1200px;
  --r: 10px;
  --shadow: 0 1px 2px rgba(10,17,40,.05), 0 12px 28px -12px rgba(10,17,40,.18);
}

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 18px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}

img { max-width: 100%; height: auto; display: block; }
svg { width: 100%; height: 100%; fill: currentColor; }

a { color: var(--crimson); }
h1, h2, h3 { font-family: var(--serif); line-height: 1.12; text-wrap: balance; margin: 0; }

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

.wrap { width: min(100% - 3rem, var(--wrap)); margin-inline: auto; }

.skip {
  position: absolute; left: -9999px;
  background: var(--navy); color: #fff; padding: .75rem 1.25rem; z-index: 100;
}
.skip:focus { left: 1rem; top: 1rem; }

/* --- Utility bar --------------------------------------------------------- */
.utility {
  background: var(--bg-soft);
  border-bottom: 1px solid var(--line);
  font-size: .875rem;
}
.utility__inner {
  display: flex; align-items: center; gap: 1rem;
  min-height: 40px; color: var(--muted);
}
.utility__phone {
  display: inline-flex; align-items: center; gap: .45rem;
  color: var(--navy); font-weight: 600; text-decoration: none;
}
.utility__phone svg { width: 15px; height: 15px; color: var(--crimson); }
.utility__phone:hover { color: var(--crimson); }
.utility__sep { width: 1px; height: 16px; background: var(--line); }
.utility__tty { letter-spacing: .04em; }
@media (max-width: 640px) {
  .utility__sep:last-of-type, .utility__tty { display: none; }
}

/* --- Masthead ------------------------------------------------------------ */
.masthead {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.masthead__inner {
  display: flex; align-items: center; gap: 2rem;
  min-height: 76px;
}
.brand img { width: 88px; height: auto; }

.nav { display: flex; gap: 1.6rem; margin-inline: auto; }
.nav a {
  color: var(--navy); text-decoration: none; font-weight: 500;
  font-size: 1rem; padding: .35rem 0; position: relative;
}
.nav a::after {
  content: ''; position: absolute; left: 0; right: 100%; bottom: 0; height: 2px;
  background: var(--crimson); transition: right .22s ease;
}
.nav a:hover::after, .nav a:focus-visible::after { right: 0; }

.masthead__actions { display: flex; align-items: center; gap: 1rem; }

.callbtn {
  display: inline-flex; align-items: center; gap: .6rem;
  color: var(--navy); font-weight: 700; font-size: 1.0625rem; text-decoration: none;
  white-space: nowrap;
}
.callbtn__ring {
  width: 34px; height: 34px; flex: none;
  display: grid; place-items: center;
  border: 2px solid var(--crimson); border-radius: 50%;
  color: var(--crimson);
}
.callbtn__ring svg { width: 15px; height: 15px; }
.callbtn:hover { color: var(--crimson); }

/* --- Buttons ------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: .5rem; padding: .7rem 1.35rem;
  font-family: var(--sans); font-size: 1rem; font-weight: 600;
  border-radius: var(--r); border: 2px solid transparent;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .12s ease, background-color .18s ease, color .18s ease;
}
.btn:active { transform: translateY(1px); }
.btn--lg { padding: .95rem 1.9rem; font-size: 1.0625rem; }
.btn--block { width: 100%; }

.btn--primary { background: var(--crimson); color: #fff; }
.btn--primary:hover { background: var(--crimson-600); }

.btn--ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--ghost:hover { background: var(--navy); color: #fff; }
.cta .btn--ghost, .cookies .btn--ghost { color: #fff; border-color: rgba(255,255,255,.55); }
.cta .btn--ghost:hover, .cookies .btn--ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* --- Burger / mobile nav ------------------------------------------------- */
.burger {
  display: none; width: 44px; height: 44px; padding: 10px;
  background: none; border: 0; cursor: pointer;
}
.burger span {
  display: block; height: 2px; background: var(--navy);
  margin: 5px 0; transition: transform .2s ease, opacity .2s ease;
}
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobilenav { display: none; border-top: 1px solid var(--line); padding: .5rem 0 1rem; }
.mobilenav.is-open { display: block; }
.mobilenav a {
  display: block; padding: .85rem 1.5rem;
  color: var(--navy); text-decoration: none; font-weight: 600;
  border-bottom: 1px solid var(--line);
}

@media (max-width: 1080px) {
  .nav { display: none; }
  .burger { display: block; }
  .masthead__actions { margin-inline-start: auto; }
}
@media (max-width: 720px) {
  .callbtn span, .callbtn { font-size: 0; gap: 0; }
  .callbtn__ring { font-size: 1rem; }
  .masthead__inner { min-height: 66px; gap: 1rem; }
}

/* --- Hero ---------------------------------------------------------------- */
.hero { padding: clamp(2.5rem, 6vw, 5rem) 0 clamp(3rem, 7vw, 6rem); }
.hero__grid {
  display: grid; grid-template-columns: 1fr 1.05fr;
  gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
@media (max-width: 900px) { .hero__grid { grid-template-columns: 1fr; } }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  margin: 0 0 1.5rem; padding: .5rem 1.1rem;
  border: 1px solid var(--line); border-radius: 999px;
  background: var(--bg-soft);
  font-size: .8125rem; font-weight: 700;
  letter-spacing: .11em; text-transform: uppercase; color: var(--navy);
}
.eyebrow__stars { color: var(--crimson); letter-spacing: .12em; }
.eyebrow--dark { background: transparent; }

.hero h1 {
  font-size: clamp(2.6rem, 5.4vw, 4.25rem);
  font-weight: 700; color: var(--navy); margin-bottom: 1.5rem;
}
.hero h1 em { font-style: normal; color: var(--crimson); }

.lede { font-size: 1.1875rem; color: var(--muted); margin: 0 0 2rem; max-width: 34em; }
.lede--dark { color: var(--muted); }

.hero__cta { display: flex; flex-wrap: wrap; gap: 1rem; }
.hero__note { margin: 1.5rem 0 0; font-size: .9375rem; color: var(--muted); }

.hero__media img {
  width: 100%; border-radius: 14px; box-shadow: var(--shadow);
  border: 1px solid var(--line);
}

/* --- Sections ------------------------------------------------------------ */
.section { padding: clamp(3.5rem, 8vw, 6.5rem) 0; }
.section--navy { background: var(--navy); color: #fff; }

.sectionhead { max-width: 46rem; margin: 0 0 3rem; }
.sectionhead h2 { font-size: clamp(2rem, 3.6vw, 2.75rem); color: var(--navy); margin-bottom: .85rem; }
.sectionhead p { font-size: 1.125rem; color: var(--muted); margin: 0; }
.sectionhead--light h2 { color: #fff; }
.sectionhead--light p { color: rgba(255,255,255,.72); }

/* --- Coverage cards ------------------------------------------------------ */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 900px) { .cards { grid-template-columns: 1fr; } }

.card {
  display: block; padding: 2rem 1.85rem 1.75rem;
  border: 1px solid var(--line); border-radius: 14px;
  background: #fff; text-decoration: none; color: inherit;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: rgba(217,4,41,.35);
}
.card__icon {
  display: grid; place-items: center; width: 46px; height: 46px;
  margin-bottom: 1.25rem; border-radius: 10px;
  background: rgba(217,4,41,.08); color: var(--crimson);
}
.card__icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 1.5rem; color: var(--navy); margin-bottom: .6rem; }
.card p { color: var(--muted); margin: 0 0 1.25rem; font-size: 1.0625rem; }
.card__go { font-weight: 600; color: var(--crimson); font-size: 1rem; }
.card__go::after { content: ' →'; }

/* --- Steps --------------------------------------------------------------- */
.steps {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 2.5rem;
}
@media (max-width: 900px) { .steps { grid-template-columns: 1fr; gap: 2rem; } }
.steps li { position: relative; padding-top: 1.5rem; border-top: 2px solid rgba(255,255,255,.16); }
.steps__n {
  display: block; font-family: var(--serif); font-size: 1.125rem;
  font-weight: 700; color: var(--crimson); margin-bottom: .75rem;
}
.steps h3 { font-size: 1.4375rem; color: #fff; margin-bottom: .6rem; }
.steps p { color: rgba(255,255,255,.72); margin: 0; font-size: 1.0625rem; }

/* --- Split / agencies ---------------------------------------------------- */
.split {
  display: grid; grid-template-columns: 1.1fr .9fr;
  gap: clamp(2rem, 5vw, 4rem); align-items: center;
}
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split h2 { font-size: clamp(1.9rem, 3.4vw, 2.5rem); color: var(--navy); margin-bottom: 1rem; }

.ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.ticks li {
  position: relative; padding-left: 2.25rem;
  font-size: 1.0625rem; color: var(--ink);
}
.ticks li::before {
  content: ''; position: absolute; left: 0; top: .3rem;
  width: 22px; height: 22px; border-radius: 50%;
  background: rgba(217,4,41,.1);
}
.ticks li::after {
  content: ''; position: absolute; left: 7px; top: .62rem;
  width: 8px; height: 4px;
  border-left: 2px solid var(--crimson); border-bottom: 2px solid var(--crimson);
  transform: rotate(-45deg);
}

/* --- CTA ----------------------------------------------------------------- */
.cta { background: var(--navy); color: #fff; padding: clamp(3.5rem, 7vw, 5.5rem) 0; }
.cta__inner { text-align: center; }
.cta h2 { font-size: clamp(2rem, 3.6vw, 2.75rem); margin-bottom: .75rem; }
.cta p { color: rgba(255,255,255,.75); margin: 0 0 2rem; font-size: 1.125rem; }
.cta__buttons { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }
.cta__tty { margin-top: 1.75rem !important; font-size: .9375rem; }

/* --- Footer -------------------------------------------------------------- */
.footer { background: var(--navy-700); color: rgba(255,255,255,.72); padding: 4rem 0 2.5rem; font-size: 1rem; }
.footer__grid {
  display: grid; grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 2.5rem; padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }

.footer__brand img { background: #fff; padding: .5rem .65rem; border-radius: 8px; margin-bottom: 1.25rem; }
.footer__brand p { margin: 0 0 1.25rem; max-width: 26em; }
.footer__tel { display: block; color: #fff; font-size: 1.375rem; font-weight: 700; text-decoration: none; font-family: var(--serif); }
.footer__tty { margin: .25rem 0 0 !important; font-size: .875rem; letter-spacing: .04em; }

.footer h2 { font-family: var(--sans); font-size: .8125rem; font-weight: 700; letter-spacing: .11em; text-transform: uppercase; color: #fff; margin-bottom: 1.1rem; }
.footer nav a { display: block; color: rgba(255,255,255,.72); text-decoration: none; padding: .35rem 0; }
.footer nav a:hover { color: #fff; }

.footer__legal { padding-top: 2rem; font-size: .875rem; line-height: 1.65; color: rgba(255,255,255,.55); }
.footer__legal p { margin: 0 0 .9rem; max-width: 70ch; }
.footer__copy { color: rgba(255,255,255,.72); }

/* --- Cookie notice ------------------------------------------------------- */
.cookies {
  position: fixed; inset-inline: 0; bottom: 0; z-index: 90;
  background: var(--navy); color: #fff;
  border-top: 3px solid var(--crimson);
  padding: 1.75rem 0 2rem;
  box-shadow: 0 -12px 40px rgba(10,17,40,.35);
}
.cookies[hidden] { display: none; }
.cookies h2 { font-size: 1.375rem; margin-bottom: .6rem; }
.cookies p { margin: 0 0 1.25rem; color: rgba(255,255,255,.8); font-size: 1rem; max-width: 78ch; }
.cookies a { color: #fff; }
.cookies__row { display: grid; gap: .75rem; max-width: 1160px; }
.cookies__settings { display: inline-block; margin-top: 1rem; color: rgba(255,255,255,.8); font-size: .9375rem; }

/* --- Interior pages ------------------------------------------------------ */
.pagehead {
  padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(1.5rem, 3vw, 2.5rem);
  border-bottom: 1px solid var(--line);
  background: var(--bg-soft);
}
.pagehead h1 {
  font-size: clamp(2.1rem, 4.2vw, 3.25rem);
  color: var(--navy);
  margin-bottom: 1.1rem;
  max-width: 20ch;
}
.pagehead .lede { margin-bottom: 0; }

/* Long-form copy. Measure is capped so lines stay readable for older eyes,
   which is the same reason body text never drops below 18px. */
.prose { max-width: 68ch; }
.prose h2 {
  font-size: clamp(1.55rem, 2.6vw, 2rem);
  color: var(--navy);
  margin: 3rem 0 1rem;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  font-family: var(--sans);
  font-size: 1.1875rem;
  font-weight: 700;
  color: var(--navy);
  margin: 2rem 0 .6rem;
}
.prose p { margin: 0 0 1.15rem; }
.prose ul, .prose ol { margin: 0 0 1.5rem; padding-left: 1.35rem; }
.prose li { margin-bottom: .6rem; }
.prose li::marker { color: var(--crimson); }
.prose strong { color: var(--navy); }
.prose .ticks { padding-left: 0; }

.prose a { color: var(--crimson); text-decoration-thickness: 1px; text-underline-offset: 2px; }
.prose a:hover { color: var(--crimson-600); }

.contact__big {
  font-family: var(--serif);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  margin: 0 0 .5rem !important;
}
.contact__big a { text-decoration: none; color: var(--navy); }
.contact__big a:hover { color: var(--crimson); }

.legalnote {
  margin-top: 3rem !important;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
  font-size: .9375rem;
  color: var(--muted);
}

.nav a[aria-current="page"] { color: var(--crimson); }
.nav a[aria-current="page"]::after { right: 0; }
.mobilenav a[aria-current="page"] { color: var(--crimson); }