/* ============================================
   FOUNDATION — MDL INSURANCE SOLUTIONS
   Desert Modern: Adobe terracotta, saguaro sage,
   warm sandstone, Southwest topographic motifs.
   Humanist serif display + clean sans body.
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800;900&family=Inter:wght@400;500;600;700&family=Inter+Tight:wght@600;700&display=swap');

:root {
  /* Color tokens */
  --terracotta:       #C4622D;
  --terracotta-dark:  #A34E22;
  --terracotta-light: #E8956D;
  --sage:             #2D4A3E;
  --sage-soft:        #3D5C4F;
  --sage-pale:        #EBF0ED;
  --sand:             #F5F0E8;
  --sand-dark:        #E8DFD0;
  --taupe:            #8B7355;
  --taupe-light:      #C4B49A;
  --paper:            #F9F6F0;
  --ink:              #1A1A17;
  --ink-soft:         #3D3830;

  /* Type */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', system-ui, sans-serif;
  --font-tight: 'Inter Tight', 'Inter', sans-serif;

  /* Layout */
  --maxw: 1200px;
  --radius: 4px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--sand);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }

.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 28px;
}

h1, h2 {
  font-family: var(--font-display);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.02em;
}
h3, h4 {
  font-family: var(--font-tight);
  font-weight: 700;
  line-height: 1.2;
}

h1 { font-size: clamp(2.6rem, 5.5vw, 4.8rem); }
h2 { font-size: clamp(1.9rem, 3.5vw, 3rem); }
h3 { font-size: 1.1rem; }

p { font-size: 1rem; color: var(--ink-soft); line-height: 1.65; }

.label {
  font-family: var(--font-tight);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--terracotta);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.label::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--terracotta);
  display: inline-block;
}

/* Topographic texture — subtle SVG background for sections */
.topo-bg {
  background-color: var(--sand);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='400' height='400'%3E%3Cpath d='M0 200 Q100 150 200 200 Q300 250 400 200' fill='none' stroke='%23C4B49A' stroke-width='1' opacity='0.4'/%3E%3Cpath d='M0 220 Q100 170 200 220 Q300 270 400 220' fill='none' stroke='%23C4B49A' stroke-width='1' opacity='0.3'/%3E%3Cpath d='M0 180 Q100 130 200 180 Q300 230 400 180' fill='none' stroke='%23C4B49A' stroke-width='1' opacity='0.3'/%3E%3Cpath d='M0 240 Q100 190 200 240 Q300 290 400 240' fill='none' stroke='%23C4B49A' stroke-width='0.8' opacity='0.25'/%3E%3Cpath d='M0 160 Q100 110 200 160 Q300 210 400 160' fill='none' stroke='%23C4B49A' stroke-width='0.8' opacity='0.25'/%3E%3Cpath d='M0 260 Q100 210 200 260 Q300 310 400 260' fill='none' stroke='%23C4B49A' stroke-width='0.6' opacity='0.2'/%3E%3Cpath d='M0 140 Q100 90 200 140 Q300 190 400 140' fill='none' stroke='%23C4B49A' stroke-width='0.6' opacity='0.2'/%3E%3C/svg%3E");
  background-size: 400px 400px;
}

.sage-bg {
  background: var(--sage);
  color: var(--paper);
}
.sage-bg p { color: var(--taupe-light); }
.sage-bg h1, .sage-bg h2, .sage-bg h3 { color: var(--paper); }

.paper-bg { background: var(--paper); }
.sand-dark-bg { background: var(--sand-dark); }

/* ============== HEADER ============== */
header {
  position: sticky; top: 0; z-index: 50;
  background: var(--sage);
  border-bottom: 3px solid var(--terracotta);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 28px;
  max-width: var(--maxw); margin: 0 auto;
}
.logo {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.3rem;
  color: var(--paper);
  letter-spacing: -0.02em;
  line-height: 1;
}
.logo span { color: var(--terracotta-light); }
.logo small {
  display: block;
  font-family: var(--font-body);
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--taupe-light);
  margin-top: 2px;
}
nav { display: flex; align-items: center; gap: 28px; }
nav a {
  font-family: var(--font-tight);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--taupe-light);
  transition: color 0.15s;
}
nav a:hover, nav a.active { color: var(--paper); }
.nav-cta {
  background: var(--terracotta);
  color: var(--paper) !important;
  padding: 10px 22px;
  border-radius: var(--radius);
  transition: background 0.15s !important;
}
.nav-cta:hover { background: var(--terracotta-dark) !important; }
.mobile-toggle { display: none; background: none; border: none; color: var(--paper); font-size: 1.6rem; cursor: pointer; line-height: 1; padding: 4px 8px; }

/* Mobile nav */
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--sage);
  border-top: 1px solid var(--sage-soft);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-family: var(--font-tight);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--taupe-light);
  padding: 16px 28px;
  border-bottom: 1px solid var(--sage-soft);
}
.mobile-nav a.nav-cta {
  background: var(--terracotta);
  color: var(--paper);
}
.mobile-nav a:hover, .mobile-nav a.active { color: var(--paper); }

/* ============== BUTTONS ============== */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-tight);
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.02em;
  padding: 15px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.15s ease;
}
.btn-primary {
  background: var(--terracotta);
  color: var(--paper);
  border-color: var(--terracotta);
}
.btn-primary:hover { background: var(--terracotta-dark); border-color: var(--terracotta-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(196,98,45,0.3); }
.btn-ghost {
  background: transparent;
  border-color: var(--taupe);
  color: var(--ink);
}
.btn-ghost:hover { border-color: var(--sage); color: var(--sage); transform: translateY(-1px); }
.btn-ghost-light {
  background: transparent;
  border-color: var(--taupe-light);
  color: var(--paper);
}
.btn-ghost-light:hover { border-color: var(--paper); transform: translateY(-1px); }

/* ============== HERO ============== */
.hero {
  padding: 80px 0 72px;
  position: relative;
  overflow: hidden;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero h1 { margin-bottom: 22px; }
.hero h1 em { font-style: italic; color: var(--terracotta); }
.hero p { font-size: 1.1rem; max-width: 480px; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust {
  display: flex;
  gap: 28px;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid var(--sand-dark);
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  flex-direction: column;
}
.trust-num {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 900;
  color: var(--terracotta);
  line-height: 1;
}
.trust-label {
  font-size: 0.75rem;
  color: var(--taupe);
  margin-top: 4px;
  font-weight: 500;
}
.hero-card {
  background: var(--paper);
  border-radius: 8px;
  padding: 36px;
  box-shadow: 0 8px 40px rgba(45,74,62,0.12);
  border: 1px solid var(--sand-dark);
}
.hero-card-label {
  font-family: var(--font-tight);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--taupe);
  margin-bottom: 20px;
}
.hero-card h3 { font-size: 1.2rem; margin-bottom: 20px; }
.quick-links { display: flex; flex-direction: column; gap: 10px; }
.quick-link {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 16px;
  background: var(--sand);
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  font-weight: 600;
  font-size: 0.9rem;
  transition: all 0.15s;
}
.quick-link:hover { background: var(--sage-pale); border-color: var(--sage); color: var(--sage); }
.quick-link span { color: var(--terracotta); font-size: 1.1rem; }

/* ============== SECTIONS ============== */
section { padding: 88px 0; }
.section-head { max-width: 600px; margin-bottom: 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { margin-bottom: 14px; }

/* ============== POLICY CARDS ============== */
.policy-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.policy-card {
  background: var(--paper);
  border: 1px solid var(--sand-dark);
  border-radius: 6px;
  padding: 26px 22px;
  display: flex;
  flex-direction: column;
  transition: all 0.15s;
  position: relative;
  overflow: hidden;
}
.policy-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--terracotta);
  opacity: 0;
  transition: opacity 0.15s;
}
.policy-card:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(45,74,62,0.1); border-color: var(--taupe-light); }
.policy-card:hover::before { opacity: 1; }
.policy-icon {
  font-size: 1.6rem;
  margin-bottom: 14px;
}
.policy-card h3 { margin-bottom: 8px; font-size: 1rem; }
.policy-card p { font-size: 0.84rem; flex-grow: 1; }
.policy-type {
  font-family: var(--font-tight);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--taupe);
  margin-bottom: 10px;
}

/* ============== STATS ============== */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
  background: var(--sage-soft);
  border-radius: 8px;
  overflow: hidden;
}
.stat-cell {
  background: var(--sage);
  padding: 36px 28px;
  text-align: center;
}
.stat-cell .num {
  font-family: var(--font-display);
  font-size: 2.6rem;
  font-weight: 900;
  color: var(--terracotta-light);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-cell .lbl {
  font-size: 0.82rem;
  color: var(--taupe-light);
  font-weight: 500;
}

/* ============== PROCESS ============== */
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.process-step-card {
  position: relative;
  padding-top: 20px;
}
.step-num {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 900;
  color: var(--sand-dark);
  line-height: 1;
  margin-bottom: 14px;
}
.process-step-card h3 { margin-bottom: 8px; }
.process-step-card p { font-size: 0.88rem; }

/* ============== TESTIMONIALS ============== */
.testimonial-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.testimonial {
  background: var(--paper);
  border-radius: 6px;
  padding: 32px;
  border: 1px solid var(--sand-dark);
}
.testimonial-stars { color: var(--terracotta); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial p { font-size: 0.95rem; color: var(--ink-soft); margin-bottom: 18px; font-style: italic; }
.testimonial-author { font-weight: 700; font-size: 0.85rem; color: var(--ink); }
.testimonial-location { font-size: 0.78rem; color: var(--taupe); }

/* ============== FORM ============== */
.form-panel {
  background: var(--paper);
  border-radius: 8px;
  border: 1px solid var(--sand-dark);
  padding: 44px;
  box-shadow: 0 4px 24px rgba(45,74,62,0.08);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-family: var(--font-tight);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--taupe);
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 12px 14px;
  border: 1.5px solid var(--sand-dark);
  background: var(--sand);
  color: var(--ink);
  border-radius: var(--radius);
  transition: border-color 0.15s;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--terracotta);
  background: var(--paper);
}
.checkbox-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.checkbox-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.85rem;
  border: 1.5px solid var(--sand-dark);
  padding: 10px 12px;
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 0.15s;
}
.checkbox-item input { width: 15px; height: 15px; accent-color: var(--terracotta); }
.checkbox-item:hover { border-color: var(--terracotta); background: var(--sage-pale); }

/* ============== FOOTER ============== */
footer { background: var(--sage); color: var(--taupe-light); padding: 60px 0 28px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--sage-soft);
}
.footer-col h4 {
  font-family: var(--font-tight);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  color: var(--paper);
  margin-bottom: 16px;
  text-transform: uppercase;
}
.footer-col a, .footer-col p { display: block; font-size: 0.85rem; color: var(--taupe-light); margin-bottom: 10px; }
.footer-col a:hover { color: var(--terracotta-light); }
.footer-bottom {
  padding-top: 22px;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.75rem;
  color: var(--taupe);
  flex-wrap: wrap;
  gap: 10px;
}

/* ============== UTILS ============== */
.flex-between { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; }

/* ============== RESPONSIVE ============== */
@media (max-width: 960px) {
  nav { display: none; }
  .mobile-toggle { display: block; }
  .hero-inner { grid-template-columns: 1fr; }
  .policy-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .checkbox-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .policy-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .checkbox-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 20px; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }
:focus-visible { outline: 3px solid var(--terracotta); outline-offset: 2px; }

/* ============== CARRIER STRIP ============== */
.carrier-section {
  padding: 32px 0;
  background: var(--paper);
  border-top: 1px solid var(--sand-dark);
  border-bottom: 1px solid var(--sand-dark);
  overflow: hidden;
}
.carrier-label {
  font-family: var(--font-tight);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--taupe);
  margin-bottom: 16px;
  text-align: center;
}
.carrier-track-wrap { overflow: hidden; width: 100%; }
.carrier-track {
  display: flex;
  align-items: center;
  gap: 10px;
  width: max-content;
  padding: 0 10px;
  animation: scroll-carriers 32s linear infinite;
}
.carrier-track:hover { animation-play-state: paused; }
.carrier-track span {
  font-family: var(--font-tight);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--sage);
  background: var(--sand);
  border: 1.5px solid var(--sand-dark);
  padding: 7px 18px;
  border-radius: 999px;
  white-space: nowrap;
  letter-spacing: 0.01em;
  transition: all 0.15s;
  flex-shrink: 0;
}
.carrier-track span:hover {
  background: var(--terracotta);
  border-color: var(--terracotta);
  color: var(--paper);
}
@keyframes scroll-carriers {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}