/* Tutelage Insurance — site styles
   Palette from the logo: the "A" blue (#3F47CC) is the one accent; ink navy carries the weight. */
:root {
  --ink: #0e1430;
  --ink-2: #1a2247;
  --blue: #3f47cc;
  --blue-deep: #2e35a6;
  --blue-tint: #e9ebfc;
  --paper: #f5f6fa;
  --white: #ffffff;
  --text: #161b2e;
  --muted: #4d5470;
  --line: #d9dce8;
  --on-ink: #eceef8;
  --on-ink-muted: #b4b9d3;
  --link-on-ink: #c3c7ff;
  --error: #b42318;
  --ok: #1d6b3a;

  --font-display: "Marcellus", "Times New Roman", serif;
  --font-body: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;

  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: 1.5rem;
  --step-3: clamp(1.75rem, 1.4rem + 1.4vw, 2.25rem);
  --step-4: clamp(2.125rem, 1.5rem + 2.6vw, 3.25rem);
  --step-5: clamp(2.5rem, 1.6rem + 3.8vw, 4.25rem);

  --space-1: 0.5rem;
  --space-2: 1rem;
  --space-3: 1.5rem;
  --space-4: 2rem;
  --space-5: 3rem;
  --space-6: 4.5rem;
  --space-7: 6.5rem;

  --radius: 6px;
  --wrap: 1180px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 96px; }
body {
  margin: 0;
  background: var(--white);
  color: var(--text);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 0.18em; }
a:hover { color: var(--blue-deep); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 2px; }
h1, h2, h3 { font-family: var(--font-display); font-weight: 400; line-height: 1.12; margin: 0 0 var(--space-2); letter-spacing: -0.005em; text-wrap: balance; }
h1 { font-size: var(--step-5); }
h2 { font-size: var(--step-4); }
h3 { font-size: var(--step-2); }
p { margin: 0 0 var(--space-2); }
.wrap { width: min(100% - 2rem, var(--wrap)); margin-inline: auto; }
.measure { max-width: 64ch; }
.lead { font-size: var(--step-1); color: var(--muted); max-width: 58ch; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.skip-link { position: absolute; left: 1rem; top: -4rem; z-index: 100; background: var(--ink); color: var(--white); padding: .6rem 1rem; border-radius: var(--radius); }
.skip-link:focus { top: 1rem; color: var(--white); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  min-height: 48px; padding: .7rem 1.4rem;
  border-radius: var(--radius); border: 2px solid transparent;
  font: 600 1rem/1.2 var(--font-body); text-decoration: none; cursor: pointer;
  transition: background-color .18s var(--ease), color .18s var(--ease), border-color .18s var(--ease);
}
.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-deep); color: var(--white); }
.btn-ghost { border-color: currentColor; color: var(--white); background: transparent; }
.btn-ghost:hover { background: var(--white); color: var(--ink); border-color: var(--white); }
.btn-quiet { border-color: var(--line); color: var(--text); background: var(--white); }
.btn-quiet:hover { border-color: var(--blue); color: var(--blue); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: var(--white); border-bottom: 1px solid var(--line); }
.header-row { display: flex; align-items: center; gap: var(--space-3); min-height: 76px; }
.brand img { width: 220px; height: auto; }
.menu-toggle { display: none; }
.site-nav { display: flex; align-items: center; gap: var(--space-3); margin-left: auto; }
.nav-list { display: flex; gap: .25rem; list-style: none; margin: 0; padding: 0; }
.nav-list a, .sub-toggle {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 .7rem;
  font: 500 .975rem/1 var(--font-body); color: var(--text); text-decoration: none;
  background: none; border: 0; cursor: pointer; border-radius: var(--radius);
}
.nav-list a:hover, .sub-toggle:hover { color: var(--blue); }
.nav-list [aria-current="page"] { color: var(--blue); box-shadow: inset 0 -2px 0 var(--blue); border-radius: 0; }
.sub-toggle::after { content: ""; width: .45em; height: .45em; margin-left: .45em; border: solid currentColor; border-width: 0 2px 2px 0; transform: translateY(-25%) rotate(45deg); transition: transform .18s var(--ease); }
.sub-toggle[aria-expanded="true"]::after { transform: translateY(15%) rotate(225deg); }
.has-sub { position: relative; }
.sub-menu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 270px;
  list-style: none; margin: 0; padding: .5rem; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 18px 40px -18px rgba(14, 20, 48, .35);
  display: none;
}
.sub-toggle[aria-expanded="true"] + .sub-menu { display: block; }
.sub-menu a { display: flex; width: 100%; padding: .65rem .8rem; min-height: 44px; }
.sub-menu a:hover { background: var(--blue-tint); }
.nav-actions { display: flex; align-items: center; gap: var(--space-2); }
.nav-phone { font-weight: 600; color: var(--ink); text-decoration: none; white-space: nowrap; }
.nav-phone:hover { color: var(--blue); }
.nav-actions .btn { min-height: 44px; padding: .55rem 1.1rem; }

@media (max-width: 1080px) {
  .brand img { width: 180px; }
  .menu-toggle {
    display: inline-flex; align-items: center; gap: .6rem; margin-left: auto;
    min-height: 44px; padding: 0 1rem; border: 1px solid var(--line); border-radius: var(--radius);
    background: var(--white); font: 600 1rem/1 var(--font-body); color: var(--ink); cursor: pointer;
  }
  .menu-toggle-bars, .menu-toggle-bars::before, .menu-toggle-bars::after { display: block; width: 18px; height: 2px; background: currentColor; position: relative; }
  .menu-toggle-bars::before, .menu-toggle-bars::after { content: ""; position: absolute; left: 0; }
  .menu-toggle-bars::before { top: -6px; }
  .menu-toggle-bars::after { top: 6px; }
  .site-nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--white); border-bottom: 1px solid var(--line);
    padding: .5rem 1rem 1.25rem; max-height: calc(100dvh - 76px); overflow-y: auto;
  }
  .site-nav.is-open { display: flex; }
  .nav-list { flex-direction: column; }
  .nav-list a, .sub-toggle { width: 100%; min-height: 48px; font-size: 1.05rem; }
  .nav-list [aria-current="page"] { box-shadow: inset 3px 0 0 var(--blue); }
  .sub-menu { position: static; box-shadow: none; border: 0; border-left: 2px solid var(--blue-tint); border-radius: 0; margin: 0 0 .5rem .7rem; padding: 0; }
  .nav-actions { flex-direction: column; align-items: stretch; margin-top: var(--space-2); }
  .nav-phone { min-height: 48px; display: flex; align-items: center; padding: 0 .7rem; }
}

/* Home hero: photo chooser */
.hero { position: relative; isolation: isolate; color: var(--on-ink); background: var(--ink); overflow: hidden; }
.hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-media img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  opacity: 0; transition: opacity .7s var(--ease);
}
.hero-media img.is-active { opacity: 1; }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(90deg, rgba(14, 20, 48, .94) 0%, rgba(14, 20, 48, .82) 38%, rgba(14, 20, 48, .25) 78%, rgba(14, 20, 48, .1) 100%),
    linear-gradient(0deg, rgba(14, 20, 48, .55), rgba(14, 20, 48, 0) 45%);
}
.hero-inner { min-height: min(84svh, 760px); display: flex; flex-direction: column; justify-content: center; padding-block: var(--space-6) calc(var(--space-6) + 40px); }
.hero h1 { max-width: 15ch; color: var(--white); }
.hero-sub { font-size: var(--step-1); max-width: 46ch; color: var(--on-ink); margin-bottom: var(--space-4); }
.chooser-label { font-weight: 600; margin-bottom: .75rem; color: var(--white); }
.chooser { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: var(--space-3); max-width: 640px; }
.chooser button {
  min-height: 44px; padding: .5rem 1.05rem; border-radius: 999px;
  border: 1.5px solid rgba(255, 255, 255, .45); background: rgba(14, 20, 48, .35);
  color: var(--white); font: 500 1rem/1 var(--font-body); cursor: pointer;
  transition: background-color .18s var(--ease), border-color .18s var(--ease), color .18s var(--ease);
}
.chooser button:hover { border-color: var(--white); }
.chooser button[aria-pressed="true"] { background: var(--white); color: var(--ink); border-color: var(--white); }
.chooser-note { min-height: 3.2em; max-width: 48ch; color: var(--on-ink-muted); margin-bottom: var(--space-3); }
.hero-actions { display: flex; flex-wrap: wrap; gap: var(--space-2); align-items: center; }
.hero-actions .call { color: var(--white); font-weight: 600; text-decoration: none; padding: .7rem .2rem; }
.hero-actions .call:hover { color: var(--link-on-ink); text-decoration: underline; }

/* Client task strip, overlapping the hero */
.tasks { position: relative; z-index: 2; margin-top: -40px; }
.tasks-row {
  display: grid; grid-template-columns: repeat(4, 1fr);
  background: var(--white); border-radius: var(--radius); box-shadow: 0 24px 50px -28px rgba(14, 20, 48, .45);
  border: 1px solid var(--line);
}
.task { display: block; padding: 1.15rem 1.4rem; text-decoration: none; color: var(--text); border-left: 1px solid var(--line); }
.task:first-child { border-left: 0; }
.task strong { display: block; color: var(--ink); font-size: 1.05rem; }
.task span { color: var(--muted); font-size: var(--step--1); }
.task:hover strong { color: var(--blue); text-decoration: underline; }
@media (max-width: 760px) {
  .tasks-row { grid-template-columns: 1fr 1fr; }
  .task:nth-child(3) { border-left: 0; }
  .task:nth-child(n+3) { border-top: 1px solid var(--line); }
}

/* Sections */
.section { padding-block: var(--space-7); }
.section-tight { padding-block: var(--space-6); }
.section-paper { background: var(--paper); }
.section-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--space-4); align-items: end; margin-bottom: var(--space-5); }
.section-head p { color: var(--muted); margin: 0; }
@media (max-width: 820px) { .section-head { grid-template-columns: 1fr; gap: var(--space-2); } }

.split { display: grid; grid-template-columns: 5fr 6fr; gap: var(--space-6); align-items: start; }
.split-even { grid-template-columns: 1fr 1fr; }
@media (max-width: 900px) { .split, .split-even { grid-template-columns: 1fr; gap: var(--space-4); } }

.statement { font-family: var(--font-display); font-size: var(--step-4); line-height: 1.15; margin: 0; color: var(--ink); }
.carriers { margin-top: var(--space-3); padding-top: var(--space-3); border-top: 1px solid var(--line); color: var(--muted); }
.carriers strong { color: var(--text); }

/* Vehicle mosaic */
.mosaic {
  display: grid; gap: 12px;
  grid-template-columns: repeat(6, 1fr);
  grid-template-rows: 300px 260px;
  grid-template-areas:
    "moto moto road road boat boat"
    "moto moto classic classic home home";
}
.tile { position: relative; overflow: hidden; border-radius: var(--radius); color: var(--white); text-decoration: none; background: var(--ink); }
.tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.tile::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(14, 20, 48, .88) 0%, rgba(14, 20, 48, .2) 55%, rgba(14, 20, 48, 0) 100%); }
.tile-text { position: absolute; left: 0; right: 0; bottom: 0; z-index: 1; padding: 1.1rem 1.25rem; }
.tile-text strong { display: block; font-family: var(--font-display); font-weight: 400; font-size: var(--step-2); line-height: 1.15; }
.tile-text span { font-size: var(--step--1); color: var(--on-ink); }
.tile:hover img { transform: scale(1.04); }
.tile:hover strong { text-decoration: underline; text-underline-offset: .15em; }
.tile-moto { grid-area: moto; }
.tile-moto img { object-position: 55% 75%; } .tile-road img { object-position: 55% 55%; } .tile-road { grid-area: road; } .tile-boat { grid-area: boat; }
.tile-classic { grid-area: classic; } .tile-home { grid-area: home; }
.mosaic-more { margin-top: var(--space-3); color: var(--muted); }
@media (max-width: 900px) {
  .mosaic { grid-template-columns: 1fr 1fr; grid-template-rows: 340px 220px 220px; grid-template-areas: "moto moto" "road boat" "classic home"; }
}
@media (max-width: 520px) {
  .mosaic { grid-template-columns: 1fr; grid-template-rows: repeat(5, 220px); grid-template-areas: "moto" "road" "boat" "classic" "home"; }
}

/* Industry list */
.industry-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.industry-list li { border-bottom: 1px solid var(--line); }
.industry-list a { display: grid; grid-template-columns: 132px 1fr; gap: var(--space-3); align-items: center; padding: 1rem 0; text-decoration: none; color: var(--text); }
.industry-list img { width: 132px; height: 88px; object-fit: cover; border-radius: 4px; }
.industry-list strong { display: block; font-family: var(--font-display); font-weight: 400; font-size: var(--step-2); color: var(--ink); line-height: 1.2; }
.industry-list span { color: var(--muted); font-size: .975rem; }
.industry-list a:hover strong { color: var(--blue); text-decoration: underline; text-underline-offset: .15em; }
@media (max-width: 520px) { .industry-list a { grid-template-columns: 88px 1fr; gap: var(--space-2); } .industry-list img { width: 88px; height: 66px; } }

/* Dark photo band */
.band { position: relative; isolation: isolate; color: var(--on-ink); background: var(--ink); }
.band > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.band::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(14, 20, 48, .95) 0%, rgba(14, 20, 48, .85) 55%, rgba(14, 20, 48, .55) 100%); }
.band h2 { color: var(--white); max-width: 20ch; }
.band a:not(.btn) { color: var(--link-on-ink); }
.risk-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); margin: var(--space-5) 0; }
.risk-grid h3 { color: var(--white); font-size: var(--step-1); font-family: var(--font-body); font-weight: 600; margin-bottom: .4rem; }
.risk-grid p { color: var(--on-ink-muted); font-size: .975rem; margin: 0; }
@media (max-width: 900px) { .risk-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .risk-grid { grid-template-columns: 1fr; } }

/* Steps (a real sequence) */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); counter-reset: step; }
.steps li { counter-increment: step; border-top: 2px solid var(--ink); padding-top: var(--space-3); }
.steps li::before { content: counter(step); display: block; font-family: var(--font-display); font-size: var(--step-4); line-height: 1; color: var(--blue); margin-bottom: var(--space-2); }
.steps h3 { font-family: var(--font-body); font-weight: 600; font-size: var(--step-1); }
.steps p { color: var(--muted); margin: 0; }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }

/* Interior page hero */
.page-hero { position: relative; isolation: isolate; background: var(--ink); color: var(--on-ink); }
.page-hero > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.page-hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(14, 20, 48, .94) 0%, rgba(14, 20, 48, .8) 50%, rgba(14, 20, 48, .35) 100%); }
.page-hero .wrap { padding-block: var(--space-6); }
.page-hero h1 { color: var(--white); font-size: var(--step-5); max-width: 18ch; }
.page-hero p { color: var(--on-ink); font-size: var(--step-1); max-width: 54ch; margin-bottom: var(--space-3); }
.page-hero .crumb { font-size: var(--step--1); color: var(--on-ink-muted); margin-bottom: var(--space-2); }
.page-hero .crumb a { color: var(--link-on-ink); }
.page-hero-plain { background: var(--paper); color: var(--text); }
.page-hero-plain::before { display: none; }
.page-hero-plain h1 { color: var(--ink); }
.page-hero-plain p { color: var(--muted); }

/* Coverage lists */
.coverage { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: var(--space-5); }
.coverage-item { padding: var(--space-3) 0; border-top: 1px solid var(--line); }
.coverage-item h3 { font-size: var(--step-1); font-family: var(--font-body); font-weight: 600; color: var(--ink); margin-bottom: .35rem; }
.coverage-item p { color: var(--muted); margin: 0; }
@media (max-width: 760px) { .coverage { grid-template-columns: 1fr; } }

.feature { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-5); align-items: center; padding-block: var(--space-5); border-top: 1px solid var(--line); }
.feature:first-of-type { border-top: 0; }
.feature img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; border-radius: var(--radius); }
.feature-flip img { order: 2; }
.feature h2 { font-size: var(--step-3); }
.feature ul { padding-left: 1.2rem; color: var(--muted); margin: 0 0 var(--space-2); }
.feature li { margin-bottom: .3rem; }
@media (max-width: 820px) { .feature { grid-template-columns: 1fr; gap: var(--space-3); } .feature-flip img { order: 0; } }

.callout { background: var(--blue-tint); border-left: 4px solid var(--blue); padding: var(--space-3) var(--space-4); border-radius: 0 var(--radius) var(--radius) 0; }
.callout p:last-child { margin: 0; }
.callout h3 { font-family: var(--font-body); font-weight: 600; font-size: var(--step-1); color: var(--ink); }

.cta-band { background: var(--ink); color: var(--on-ink); }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--space-3); padding-block: var(--space-5); }
.cta-band h2 { color: var(--white); font-size: var(--step-3); margin: 0; max-width: 26ch; }
.cta-band .actions { display: flex; flex-wrap: wrap; gap: var(--space-2); }

/* Tables (carriers) */
.carrier-table { width: 100%; border-collapse: collapse; font-size: 1rem; }
.carrier-table th, .carrier-table td { text-align: left; padding: .85rem .75rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.carrier-table th { font-size: var(--step--1); color: var(--muted); font-weight: 600; }
.carrier-table td:first-child { font-weight: 600; color: var(--ink); }
@media (max-width: 620px) {
  .carrier-table thead { display: none; }
  .carrier-table tr { display: block; padding: .75rem 0; border-bottom: 1px solid var(--line); }
  .carrier-table td { display: block; border: 0; padding: .2rem 0; }
}

/* Forms */
.form { display: grid; gap: var(--space-3); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-3); }
@media (max-width: 620px) { .form-row { grid-template-columns: 1fr; } }
.field label, .field legend { display: block; font-weight: 600; margin-bottom: .4rem; color: var(--ink); padding: 0; }
.field .req { color: var(--error); }
.field .hint { display: block; font-size: var(--step--1); color: var(--muted); margin-top: .35rem; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 48px; padding: .7rem .85rem;
  border: 1.5px solid #b9bdd0; border-radius: var(--radius); background: var(--white);
  font: 400 1rem/1.4 var(--font-body); color: var(--text);
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid var(--blue); outline-offset: 1px; border-color: var(--blue); }
.field [aria-invalid="true"] { border-color: var(--error); }
.field .error { display: block; color: var(--error); font-size: var(--step--1); margin-top: .35rem; font-weight: 500; }
fieldset.field { border: 0; margin: 0; padding: 0; }
.radio-row { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; }
.radio-row label { display: inline-flex; align-items: center; gap: .45rem; font-weight: 400; min-height: 44px; margin: 0; }
.radio-row input { width: 20px; height: 20px; min-height: 0; accent-color: var(--blue); }
.form-note { font-size: var(--step--1); color: var(--muted); }
.form-status { padding: var(--space-2) var(--space-3); border-radius: var(--radius); background: var(--blue-tint); color: var(--ink); }
.form-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: var(--space-4); box-shadow: 0 24px 50px -32px rgba(14, 20, 48, .35); }
@media (max-width: 520px) { .form-panel { padding: var(--space-3); } }
.hp { display: none; }

/* Footer */
.site-footer { background: var(--ink); color: var(--on-ink-muted); font-size: .975rem; }
.site-footer a { color: var(--on-ink); }
.site-footer a:hover { color: var(--link-on-ink); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: var(--space-4); padding-block: var(--space-6) var(--space-5); }
.footer-brand img { width: 240px; margin-bottom: var(--space-3); }
.footer-affil { font-size: var(--step--1); }
.footer-head { font-family: var(--font-body); font-weight: 600; font-size: 1rem; color: var(--white); margin: 0 0 .5rem; }
.footer-head ~ .footer-head { margin-top: var(--space-3); }
.site-footer address { font-style: normal; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: .35rem; }
.footer-base { border-top: 1px solid rgba(255, 255, 255, .12); padding-block: var(--space-3); font-size: var(--step--1); }
.footer-base p { margin: 0; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
  .tile:hover img { transform: none; }
}

.photo-credit { margin-top: 1rem; font-size: .8125rem; color: var(--muted); }
.photo-credit a { color: inherit; }