/* Shared styles for AllInsuranceQuotes — used across all sub-pages */
:root {
  --ink: #0E1F2C;
  --ink-soft: #2A3F4F;
  --paper: #FAF6EE;
  --paper-warm: #F2EBDC;
  --accent: #C8513A;
  --accent-deep: #A03F2C;
  --gold: #C8A24A;
  --line: #1a2b38;
  --muted: #6A7A85;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter Tight', sans-serif;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
.display { font-family: 'Fraunces', serif; font-weight: 600; letter-spacing: -0.02em; }

/* Disclosure bar */
.disclosure-bar {
  background: var(--ink);
  color: var(--paper);
  text-align: center;
  padding: 8px 16px;
  font-size: 12px;
  letter-spacing: 0.02em;
}
.disclosure-bar a { color: var(--gold); text-decoration: underline; }

/* Header */
header {
  background: rgba(250, 246, 238, 0.92);
  border-bottom: 1px solid rgba(14, 31, 44, 0.1);
  padding: 18px 32px;
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(8px);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.logo {
  font-family: 'Fraunces', serif;
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--ink);
}
.logo-mark {
  width: 32px;
  height: 32px;
  background: var(--ink);
  border-radius: 50%;
  position: relative;
  display: inline-block;
}
.logo-mark::after {
  content: '';
  position: absolute;
  inset: 7px;
  border: 2px solid var(--gold);
  border-radius: 50%;
}
.logo-mark::before {
  content: '';
  position: absolute;
  width: 4px;
  height: 4px;
  background: var(--accent);
  border-radius: 50%;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  z-index: 2;
}
.header-cta {
  display: flex;
  align-items: center;
  gap: 20px;
}
.header-phone {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.header-phone span:first-child { color: var(--accent); }
.cta-btn {
  background: var(--accent);
  color: var(--paper);
  border: none;
  padding: 12px 22px;
  font-family: 'Inter Tight', sans-serif;
  font-weight: 600;
  font-size: 14px;
  border-radius: 3px;
  cursor: pointer;
  transition: background 0.2s;
  letter-spacing: 0.02em;
  text-decoration: none;
  display: inline-block;
}
.cta-btn:hover { background: var(--accent-deep); }

/* Page layout */
.page-hero {
  background: var(--paper-warm);
  padding: 60px 32px 50px;
  border-bottom: 1px solid rgba(14, 31, 44, 0.08);
}
.page-hero-inner {
  max-width: 880px;
  margin: 0 auto;
}
.crumbs {
  font-size: 12px;
  color: var(--muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.crumbs a { color: var(--accent); text-decoration: none; }
.page-hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 600;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.page-hero .lead {
  font-size: 17px;
  color: var(--ink-soft);
  max-width: 640px;
}
.last-updated {
  display: inline-block;
  margin-top: 24px;
  padding: 6px 12px;
  background: var(--paper);
  font-size: 12px;
  color: var(--muted);
  border: 1px solid rgba(14, 31, 44, 0.1);
  border-radius: 2px;
  letter-spacing: 0.04em;
}

/* Content */
.content {
  max-width: 880px;
  margin: 0 auto;
  padding: 60px 32px 100px;
}
.content h2 {
  font-family: 'Fraunces', serif;
  font-size: 28px;
  font-weight: 600;
  margin: 48px 0 16px;
  letter-spacing: -0.01em;
  color: var(--ink);
  border-bottom: 1px solid rgba(14, 31, 44, 0.12);
  padding-bottom: 10px;
}
.content h2:first-child { margin-top: 0; }
.content h3 {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 600;
  margin: 32px 0 12px;
  color: var(--ink);
}
.content p {
  margin-bottom: 16px;
  color: var(--ink-soft);
  font-size: 16px;
}
.content ul, .content ol {
  margin: 16px 0 16px 24px;
  color: var(--ink-soft);
}
.content li { margin-bottom: 8px; font-size: 16px; }
.content a { color: var(--accent); text-decoration: underline; }
.content strong { color: var(--ink); font-weight: 600; }
.content table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 14px;
}
.content table th, .content table td {
  text-align: left;
  padding: 12px 16px;
  border-bottom: 1px solid rgba(14, 31, 44, 0.1);
}
.content table th {
  background: var(--paper-warm);
  font-weight: 600;
  color: var(--ink);
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: 0.05em;
}

.callout {
  background: var(--paper-warm);
  border-left: 3px solid var(--accent);
  padding: 20px 24px;
  margin: 24px 0;
  border-radius: 0 3px 3px 0;
}
.callout p:last-child { margin-bottom: 0; }
.callout strong { display: block; margin-bottom: 6px; font-family: 'Fraunces', serif; font-size: 16px; }

/* Footer */
footer {
  background: var(--ink);
  color: rgba(250, 246, 238, 0.7);
  padding: 60px 32px 32px;
  font-size: 13px;
  line-height: 1.7;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(250, 246, 238, 0.1);
}
.footer-grid h5 {
  color: var(--paper);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  font-weight: 600;
}
.footer-grid a {
  color: rgba(250, 246, 238, 0.7);
  text-decoration: none;
  display: block;
  margin-bottom: 8px;
}
.footer-grid a:hover { color: var(--gold); }
.footer-disclaimer {
  font-size: 11px;
  color: rgba(250, 246, 238, 0.5);
  line-height: 1.7;
  margin-bottom: 24px;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 12px;
  color: rgba(250, 246, 238, 0.5);
}
.footer-logo {
  color: var(--paper);
  margin-bottom: 16px;
}

/* Mobile */
@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .header-phone span:last-child { display: none; }
  .header-cta { gap: 12px; }
  .content h2 { font-size: 24px; }
}