/* Experts of Insurance — design system
   Palette mirrors theworkerscompexperts.com:
   navy #0a2e63 · blue #256bc8 · green #3fb830 · light-green #92fc76 · dark #0a1628 */

:root{
  --navy:#0a2e63; --navy-dark:#0a1628; --blue:#256bc8; --blue-soft:#e8f0fb;
  --green:#3fb830; --green-dark:#2f9423; --green-light:#92fc76; --green-soft:#eefbe9;
  --ink:#1a2332; --gray:#5b6474; --gray-light:#8a92a3; --line:#e4e8ef;
  --bg:#f7f9fc; --white:#fff;
  --radius:14px; --radius-sm:10px;
  --shadow:0 4px 18px rgba(10,46,99,.09);
  --shadow-lg:0 12px 40px rgba(10,46,99,.14);
  --font-display:"Barlow Condensed",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --font-body:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;vertical-align:middle}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1160px;margin:0 auto;padding:0 22px}
.container-narrow{max-width:860px;margin:0 auto;padding:0 22px}

h1,h2,h3,.display{font-family:var(--font-display);font-weight:700;line-height:1.12;color:var(--navy);letter-spacing:.2px}
h1{font-size:clamp(2.3rem,5.2vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem)}
h3{font-size:1.35rem}
p.lead{font-size:1.18rem;color:var(--gray)}

/* ── Buttons ─────────────────────────────────────── */
.btn{display:inline-block;font-weight:700;border-radius:var(--radius-sm);padding:14px 30px;font-size:1.05rem;
  cursor:pointer;border:0;text-align:center;transition:transform .12s ease,box-shadow .12s ease,background .12s ease;text-decoration:none!important}
.btn:active{transform:translateY(1px)}
.btn-green{background:var(--green);color:#fff;box-shadow:0 4px 14px rgba(63,184,48,.35)}
.btn-green:hover{background:var(--green-dark);box-shadow:0 6px 20px rgba(63,184,48,.45)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:#0d3a7d}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55)}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-outline-navy{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.btn-outline-navy:hover{background:var(--blue-soft)}
.btn-lg{padding:17px 38px;font-size:1.15rem}
.btn-block{display:block;width:100%}

/* ── Header ─────────────────────────────────────── */
.topbar{background:var(--navy-dark);color:#cdd7e8;font-size:.83rem;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:12px}
.topbar a{color:var(--green-light);font-weight:600}
.topbar .tb-left{display:flex;gap:18px;align-items:center}
header.site{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(10,22,40,.35)}
header.site .container{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:13px;padding-bottom:13px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none!important}
.brand .mark{width:42px;height:42px;flex:none}
.brand .word{font-family:var(--font-display);color:#fff;font-size:1.5rem;font-weight:700;letter-spacing:1.5px;line-height:1.05}
.brand .word em{font-style:normal;color:var(--green-light);font-weight:600}
.brand .tag{display:block;font-family:var(--font-body);font-size:.62rem;letter-spacing:1.8px;color:#9fb2d4;text-transform:uppercase;font-weight:600}
nav.main{display:flex;gap:26px;align-items:center}
nav.main a{color:#dbe4f3;font-weight:600;font-size:.95rem;text-decoration:none}
nav.main a:hover{color:var(--green-light)}
.hdr-cta{display:flex;align-items:center;gap:14px}
.hdr-phone{color:#fff;font-weight:700;font-size:1rem;white-space:nowrap;text-decoration:none}
.hdr-phone span{color:var(--green-light)}
.hdr-cta .btn{padding:11px 22px;font-size:.95rem}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:6px}
.nav-toggle svg{width:28px;height:28px;stroke:#fff}
@media(max-width:1000px){
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;padding:18px 22px;gap:16px;align-items:flex-start;box-shadow:0 14px 24px rgba(10,22,40,.4)}
  nav.main.open{display:flex}
  .nav-toggle{display:block}
  .hdr-phone{display:none}
  .topbar .tb-left .tb-hide{display:none}
}

/* ── Hero ─────────────────────────────────────── */
.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,#114080 100%);color:#fff;padding:76px 0 84px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-160px;top:-160px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(63,184,48,.22) 0%,transparent 70%)}
.hero h1{color:#fff;margin-bottom:18px;max-width:730px;position:relative;z-index:1}
.hero h1 em{font-style:normal;color:var(--green-light)}
.hero p.lead{color:#c7d3e8;max-width:640px;margin-bottom:30px;position:relative;z-index:1}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;position:relative;z-index:1}
.hero-trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:34px;position:relative;z-index:1}
.chip{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);color:#e6edf8;font-size:.85rem;font-weight:600;padding:7px 15px;border-radius:100px;display:inline-flex;align-items:center;gap:7px}
.chip svg{width:15px;height:15px;fill:var(--green-light);flex:none}
.hero.sub{padding:56px 0 60px}
.crumbs{font-size:.83rem;color:#93a7c9;margin-bottom:16px;position:relative;z-index:1}
.crumbs a{color:#b8c8e4}

/* ── Sections ─────────────────────────────────────── */
section{padding:66px 0}
section.alt{background:var(--bg)}
.sec-head{text-align:center;max-width:700px;margin:0 auto 46px}
.sec-head .kicker{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--green-dark);background:var(--green-soft);padding:5px 14px;border-radius:100px;margin-bottom:14px}
.sec-head p{color:var(--gray);margin-top:12px;font-size:1.08rem}

/* cards */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.grid-3{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}
a.card{text-decoration:none!important;color:inherit;display:block}
a.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#c9d8ee}
.card .ico{width:52px;height:52px;border-radius:12px;background:var(--blue-soft);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:27px;height:27px;fill:var(--navy)}
.card h3{margin-bottom:8px}
.card p{color:var(--gray);font-size:.96rem}
.card .more{display:inline-block;margin-top:14px;font-weight:700;color:var(--green-dark);font-size:.92rem}
a.card:hover .more{text-decoration:underline}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:step}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;position:relative;box-shadow:var(--shadow)}
.step .num{width:44px;height:44px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;font-size:1.25rem;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-family:var(--font-display)}
.step h3{margin-bottom:8px}
.step p{color:var(--gray);font-size:.96rem}

/* checklist */
ul.checks{list-style:none;display:grid;gap:13px}
ul.checks li{padding-left:32px;position:relative;color:var(--ink)}
ul.checks li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;
  background:var(--green-soft) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill="%232f9423" d="M8.1 13.3 4.9 10l-1.3 1.3 4.5 4.5 9-9-1.3-1.3z"/></svg>') center/13px no-repeat}
ul.checks li strong{color:var(--navy)}

/* split layout */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
@media(max-width:880px){.split{grid-template-columns:1fr;gap:34px}}

/* callout / phone band */
.band{background:linear-gradient(135deg,var(--navy) 0%,#114080 100%);border-radius:var(--radius);color:#fff;padding:44px 46px;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;box-shadow:var(--shadow-lg)}
.band h2{color:#fff}
.band p{color:#c7d3e8;margin-top:6px}
.band .btn{flex:none}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;box-shadow:var(--shadow);overflow:hidden}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 22px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--green);font-weight:400;line-height:1;flex:none}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 22px 20px;color:var(--gray)}

/* prose (SEO body content) */
.prose h2{margin:44px 0 16px}
.prose h3{margin:30px 0 10px}
.prose p{margin-bottom:16px;color:#333c4e}
.prose ul,.prose ol{margin:0 0 18px 24px;color:#333c4e}
.prose ul li,.prose ol li{margin-bottom:8px}
.prose .tip{background:var(--green-soft);border-left:4px solid var(--green);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:16px 20px;margin:22px 0;color:#274b1f}
.prose .tip strong{color:var(--green-dark)}
table.rates{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}
table.rates th{background:var(--navy);color:#fff;text-align:left;padding:11px 14px;font-weight:600}
table.rates td{border:1px solid var(--line);padding:10px 14px;color:#333c4e}
table.rates tr:nth-child(even) td{background:var(--bg)}
.table-wrap{overflow-x:auto}

/* quote CTA card (sidebar-ish, used inline) */
.cta-inline{background:linear-gradient(180deg,var(--green-soft),#fff);border:2px solid var(--green);border-radius:var(--radius);padding:30px;text-align:center;margin:36px 0}
.cta-inline h3{font-size:1.5rem;margin-bottom:8px}
.cta-inline p{color:var(--gray);margin-bottom:18px}
.cta-inline .or{display:block;margin-top:14px;font-size:.92rem;color:var(--gray)}
.cta-inline .or a{font-weight:700;color:var(--navy)}

/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-lg)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:620px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-weight:600;font-size:.9rem;color:var(--navy)}
.field input,.field select,.field textarea{border:1.5px solid #cdd6e4;border-radius:9px;padding:12px 14px;font-size:1rem;font-family:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,107,200,.14)}
.form-note{font-size:.83rem;color:var(--gray-light);margin-top:12px}
.form-ok{background:var(--green-soft);border:1.5px solid var(--green);border-radius:var(--radius-sm);padding:18px 22px;color:#274b1f;font-weight:600;display:none}

/* footer */
footer.site{background:var(--navy-dark);color:#aab8d0;padding:56px 0 30px;font-size:.93rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px;margin-bottom:38px}
@media(max-width:880px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media(max-width:560px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{color:#fff;font-family:var(--font-display);font-size:1.05rem;letter-spacing:1.2px;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#aab8d0;display:block;margin-bottom:9px}
footer.site a:hover{color:var(--green-light)}
footer.site .fbrand .word{font-family:var(--font-display);color:#fff;font-size:1.35rem;font-weight:700;letter-spacing:1.5px}
footer.site .fbrand .word em{font-style:normal;color:var(--green-light)}
footer.site .fbrand p{margin-top:12px;line-height:1.7}
.fphone{font-size:1.25rem;font-weight:800;color:#fff!important}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;text-align:center;font-size:.8rem;color:#7484a0}
.legal a{display:inline;color:#94a3bd}

/* utility */
.tc{text-align:center}
.mt-1{margin-top:10px}.mt-2{margin-top:20px}.mt-3{margin-top:30px}.mt-4{margin-top:44px}
.hidden{display:none}