/* =========================================================
   Nonpareil Insurance Consulting
   Design system: Coinbase-inspired (trust-focused, institutional)
   Brand blue #0052ff · near-black #0a0b0d · pill CTAs · alt sections
   ========================================================= */

:root {
  --blue: #0052ff;
  --blue-hover: #578bfa;
  --blue-link: #0667d0;
  --black: #0a0b0d;
  --dark-card: #282b31;
  --white: #ffffff;
  --surface: #eef0f3;
  --border: rgba(91, 97, 110, 0.2);
  --muted: #5b616e;

  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 28px;
  --radius-pill: 56px;

  --maxw: 1180px;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  color: var(--black);
  background: var(--white);
  line-height: 1.56;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
a { color: var(--blue-link); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Typography ---------- */
h1, h2, h3 { line-height: 1.05; letter-spacing: -0.02em; font-weight: 700; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 16px;
}
.section-title { font-size: clamp(30px, 4vw, 44px); margin-bottom: 16px; }
.section-lead { font-size: 18px; color: var(--muted); max-width: 620px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 15px 28px;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-hover); text-decoration: none; }
.btn-secondary { background: var(--surface); color: var(--black); }
.btn-secondary:hover { background: #e2e6ec; text-decoration: none; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.btn-ghost:hover { background: rgba(255,255,255,0.08); text-decoration: none; }
.btn-block { width: 100%; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 19px; letter-spacing: -0.02em; color: var(--black); }
.brand:hover { text-decoration: none; }
.brand .mark {
  width: 34px; height: 34px; border-radius: 9px;
  background: var(--blue); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 17px;
}
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { color: var(--black); font-weight: 600; font-size: 15px; }
.nav-links a:hover { color: var(--blue); text-decoration: none; }
.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-phone { font-weight: 700; color: var(--black); font-size: 15px; }
.nav-phone:hover { color: var(--blue); text-decoration: none; }
.menu-toggle { display: none; background: none; border: 0; cursor: pointer; font-size: 26px; color: var(--black); }

/* ---------- Hero ---------- */
.hero { padding: 84px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(40px, 6vw, 72px); line-height: 1.0; margin-bottom: 22px; }
.hero p.lead { font-size: 20px; color: var(--muted); margin-bottom: 32px; max-width: 540px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { margin-top: 30px; display: flex; gap: 10px; align-items: center; color: var(--muted); font-size: 14px; }
.hero-card {
  background: var(--black); color: #fff; border-radius: var(--radius-lg);
  padding: 38px; box-shadow: 0 30px 60px -30px rgba(10,11,13,0.4);
}
.hero-card h3 { font-size: 22px; margin-bottom: 6px; }
.hero-card p { color: rgba(255,255,255,0.7); font-size: 15px; margin-bottom: 24px; }
.hero-card .field { margin-bottom: 14px; }
.no-fee-pill {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,82,255,0.12); color: #9db9ff;
  padding: 7px 14px; border-radius: var(--radius-pill);
  font-size: 13px; font-weight: 700; margin-bottom: 20px;
}

/* ---------- Stats ---------- */
.stats { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 40px 24px; text-align: center; border-right: 1px solid var(--border); }
.stat:last-child { border-right: 0; }
.stat .num { font-size: 44px; font-weight: 800; letter-spacing: -0.03em; color: var(--blue); }
.stat .label { color: var(--muted); font-size: 15px; margin-top: 4px; }

/* ---------- Section base ---------- */
section.block { padding: 88px 0; }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-head .section-lead { margin: 0 auto; }

/* ---------- Services ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  border: 1px solid var(--border); border-radius: var(--radius-md);
  padding: 30px; background: #fff; transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 24px 48px -28px rgba(10,11,13,0.25); border-color: rgba(0,82,255,0.35); }
.card .ico {
  width: 48px; height: 48px; border-radius: 12px; background: var(--surface);
  display: grid; place-items: center; font-size: 24px; margin-bottom: 18px;
}
.card h3 { font-size: 21px; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 15px; }

/* ---------- Dark "Why us" ---------- */
.dark { background: var(--black); color: #fff; }
.dark .section-title { color: #fff; }
.dark .section-lead { color: rgba(255,255,255,0.7); }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.pillar { background: var(--dark-card); border-radius: var(--radius-md); padding: 32px; }
.pillar .ico { font-size: 30px; margin-bottom: 16px; }
.pillar h3 { font-size: 20px; margin-bottom: 10px; color: #fff; }
.pillar p { color: rgba(255,255,255,0.7); font-size: 15px; }

/* ---------- Testimonials ---------- */
.quotes { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.quote { border: 1px solid var(--border); border-radius: var(--radius-md); padding: 30px; background: #fff; }
.quote .stars { color: #f5a623; margin-bottom: 14px; letter-spacing: 2px; }
.quote p { font-size: 17px; margin-bottom: 18px; }
.quote .who { display: flex; align-items: center; gap: 12px; }
.quote .avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; font-weight: 700; }
.quote .who strong { display: block; font-size: 15px; }
.quote .who span { color: var(--muted); font-size: 13px; }

/* ---------- Partners ---------- */
.partners { text-align: center; }
.partner-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 18px; margin-top: 36px; }
.partner { border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 10px 20px; font-weight: 600; font-size: 14px; color: var(--muted); background: #fff; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--blue); color: #fff; border-radius: var(--radius-lg); padding: 56px; text-align: center; }
.cta-band h2 { font-size: clamp(28px, 4vw, 40px); margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,0.85); font-size: 18px; margin-bottom: 28px; }
.cta-band .btn-secondary { background: #fff; }
.cta-band .btn-secondary:hover { background: #eef0f3; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: start; }
.contact-info ul { list-style: none; margin-top: 28px; }
.contact-info li { display: flex; gap: 14px; margin-bottom: 22px; align-items: flex-start; }
.contact-info .ico { width: 44px; height: 44px; border-radius: 12px; background: var(--surface); display: grid; place-items: center; font-size: 20px; flex: none; }
.contact-info strong { display: block; font-size: 16px; }
.contact-info span { color: var(--muted); font-size: 15px; }

.form-card { border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 34px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; font-size: 15px; font-family: var(--font-sans);
  border: 1px solid var(--border); border-radius: var(--radius-sm); background: #fff; color: var(--black);
}
.hero-card .field input, .hero-card .field select {
  background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.18); color: #fff;
}
.hero-card .field input::placeholder { color: rgba(255,255,255,0.5); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid var(--blue); border-color: var(--blue);
}
.consent { display: flex; gap: 11px; align-items: flex-start; margin-bottom: 18px; }
.consent input { margin-top: 4px; flex: none; width: 18px; height: 18px; accent-color: var(--blue); }
.consent label { font-size: 12.5px; color: var(--muted); line-height: 1.5; }
.hero-card .consent label { color: rgba(255,255,255,0.6); }

/* ---------- Footer ---------- */
.site-footer { background: var(--black); color: rgba(255,255,255,0.7); padding: 64px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px; }
.site-footer .brand { color: #fff; margin-bottom: 14px; }
.site-footer p { font-size: 14px; max-width: 320px; }
.footer-col h4 { color: #fff; font-size: 14px; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.7); font-size: 15px; margin-bottom: 11px; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 48px; padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 13.5px; }
.footer-bottom a { color: rgba(255,255,255,0.7); }

/* ---------- Legal pages ---------- */
.legal { padding: 56px 0 80px; }
.legal-wrap { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.legal h1 { font-size: clamp(32px, 5vw, 46px); margin-bottom: 10px; }
.legal .updated { color: var(--muted); font-size: 15px; margin-bottom: 40px; }
.legal h2 { font-size: 24px; margin: 38px 0 14px; }
.legal h3 { font-size: 18px; margin: 24px 0 10px; }
.legal p, .legal li { font-size: 16px; color: #2a2d33; margin-bottom: 14px; }
.legal ul, .legal ol { padding-left: 22px; margin-bottom: 14px; }
.legal li { margin-bottom: 8px; }
.legal .callout {
  background: var(--surface); border-left: 4px solid var(--blue);
  border-radius: var(--radius-sm); padding: 18px 22px; margin: 24px 0;
}
.legal .callout p { margin-bottom: 0; }
.back-home { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; margin-bottom: 28px; }

/* ---------- Responsive ---------- */
@media (max-width: 940px) {
  .hero-grid, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .cards, .pillars, .quotes { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid var(--border); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .nav-links { display: none; }
  .menu-toggle { display: block; }
  .cards, .pillars, .quotes, .footer-grid { grid-template-columns: 1fr; }
  .cta-band { padding: 40px 24px; }
  section.block { padding: 60px 0; }
  .nav-phone { display: none; }
}