/* ==========================================================================
   Shelly Bawa — Financial Advisor
   Static rebuild (from WordPress/PHP). Brand colours live in :root below —
   change them here and the whole site follows.
   ========================================================================== */

:root {
  --brand: #76323f;          /* accent (buttons, links, highlights) */
  --brand-dark: #5c2631;
  --navy: #3e4142;           /* top bar, footer, dark sections */
  --navy-2: #4b4f50;
  --ink: #1e1b1c;            /* body text */
  --muted: #625c5e;
  --line: #ebe4e5;
  --soft: #f6f4f4;           /* light section background */
  --cream: #f9f3f4;
  --white: #ffffff;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(62, 65, 66, .10);
  --font: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --container: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: var(--white); line-height: 1.65; font-size: 16px; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-dark); }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 .6em; color: var(--navy); letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1em; }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--brand); color: #fff; padding: 8px 14px; z-index: 1000; }
.skip-link:focus { left: 10px; top: 10px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 26px; border-radius: 999px; font-weight: 700; font-size: .98rem; border: 2px solid transparent; cursor: pointer; transition: .2s ease; text-align: center; }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-dark); color: #fff; transform: translateY(-1px); }
.btn-outline { border-color: currentColor; color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--cream); color: var(--navy); }

/* ---------- Top bar + header ---------- */
.topbar { background: var(--navy); color: #d5d7d8; font-size: .9rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: #fff; }
.topbar .contact-items { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar .contact-items span { display: inline-flex; align-items: center; gap: 7px; }
.topbar svg { width: 15px; height: 15px; fill: var(--brand); }
.topbar .social { display: flex; gap: 12px; }
.topbar .social svg { fill: #fff; width: 16px; height: 16px; }

.site-header { background: #fff; position: sticky; top: 0; z-index: 50; box-shadow: 0 2px 14px rgba(62,65,66,.07); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 82px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--navy); }
.brand img { height: 58px; width: auto; }
.brand .brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand .brand-text strong { font-size: 1.2rem; }
.brand .brand-text small { color: var(--muted); font-size: .8rem; }

.nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; align-items: center; }
.nav li { position: relative; }
.nav a, .nav button.sub-toggle { display: block; white-space: nowrap; padding: 10px 12px; color: var(--navy); font-weight: 600; font-size: .96rem; border-radius: 8px; background: none; border: 0; font-family: inherit; cursor: pointer; }
.nav a:hover, .nav a[aria-current="page"], .nav button.sub-toggle:hover { color: var(--brand); }
.nav .has-sub > button::after { content: ""; display: inline-block; margin-left: 6px; border: 4px solid transparent; border-top-color: currentColor; transform: translateY(2px); }
.nav .sub { position: absolute; top: 100%; left: 0; min-width: 230px; background: #fff; box-shadow: var(--shadow); border-radius: 10px; padding: 8px; display: none; flex-direction: column; gap: 0; }
.nav .has-sub:hover > .sub, .nav .has-sub:focus-within > .sub, .nav .has-sub.open > .sub { display: flex; }
.nav .sub a { padding: 9px 12px; font-weight: 500; }
.nav .nav-cta { margin-left: 8px; }
.nav .nav-cta a { background: var(--brand); color: #fff; border-radius: 999px; padding: 10px 20px; }
.nav .nav-cta a:hover { background: var(--brand-dark); color: #fff; }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 26px; height: 3px; background: var(--navy); margin: 5px 0; border-radius: 3px; }

@media (max-width: 1180px) {
  .menu-toggle { display: block; }
  .nav { position: fixed; inset: 0 0 0 auto; width: min(320px, 86vw); background: #fff; box-shadow: -10px 0 30px rgba(0,0,0,.15); transform: translateX(100%); transition: transform .25s ease; padding: 80px 18px 24px; overflow-y: auto; z-index: 60; }
  .nav.open { transform: none; }
  .nav ul { flex-direction: column; align-items: stretch; }
  .nav .sub { position: static; box-shadow: none; display: none; padding: 0 0 0 12px; }
  .nav .has-sub:hover > .sub { display: none; }
  .nav .has-sub.open > .sub { display: flex; }
  .nav .nav-cta { margin: 10px 0 0; }
  .nav-close { position: absolute; top: 18px; right: 18px; background: none; border: 0; font-size: 2rem; line-height: 1; cursor: pointer; color: var(--navy); }
  .topbar .social { display: none; }
}
@media (min-width: 1181px) { .nav-close { display: none; } }
.nav-backdrop { position: fixed; inset: 0; background: rgba(62,65,66,.45); z-index: 45; display: none; }
.nav-backdrop.show { display: block; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 60%, #555a5b 100%); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(118,50,63,.35), transparent 70%); }
.hero .container { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; padding-top: 64px; padding-bottom: 72px; position: relative; z-index: 1; }
.hero h1, .hero h2 { color: #fff; }
.hero .eyebrow { display: inline-block; background: rgba(255,255,255,.12); padding: 6px 14px; border-radius: 999px; font-size: .85rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 16px; }
.hero .lead { font-size: 1.2rem; color: #e2e4e4; margin-bottom: 22px; }
.checklist { list-style: none; padding: 0; margin: 0 0 28px; display: grid; grid-template-columns: 1fr 1fr; gap: 10px 22px; }
.checklist li { display: flex; gap: 10px; align-items: flex-start; }
.checklist li::before { content: ""; flex: 0 0 22px; height: 22px; border-radius: 50%; background: var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat; margin-top: 2px; }
.hero .quick-links { display: flex; flex-wrap: wrap; gap: 10px; }
.hero .quick-links a { background: rgba(255,255,255,.1); color: #fff; padding: 9px 16px; border-radius: 999px; font-size: .92rem; font-weight: 600; border: 1px solid rgba(255,255,255,.2); }
.hero .quick-links a:hover { background: var(--brand); border-color: var(--brand); }

.quote-card { background: #fff; color: var(--ink); border-radius: 16px; box-shadow: 0 25px 60px rgba(0,0,0,.25); padding: 26px; }
.quote-card h2 { font-size: 1.5rem; margin-bottom: 4px; color: var(--navy); }
.quote-card .sub { color: var(--muted); margin-bottom: 16px; font-size: .95rem; }
.tabs { display: flex; gap: 6px; background: var(--soft); padding: 5px; border-radius: 999px; margin-bottom: 18px; }
.tabs button { flex: 1; border: 0; background: transparent; padding: 10px 12px; border-radius: 999px; font-family: inherit; font-weight: 700; color: var(--muted); cursor: pointer; font-size: .92rem; }
.tabs button[aria-selected="true"] { background: var(--brand); color: #fff; }
.tab-panel[hidden] { display: none; }
.widget-mount { min-height: 120px; }
.widget-fallback { color: var(--muted); font-size: .92rem; text-align: center; padding: 20px 10px; }

@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; padding-top: 44px; padding-bottom: 52px; }
}
@media (max-width: 540px) { .checklist { grid-template-columns: 1fr; } }

/* ---------- Page banner (inner pages) ---------- */
.page-banner { background: linear-gradient(120deg, var(--navy), var(--navy-2)); color: #fff; padding: 52px 0 46px; }
.page-banner h1 { color: #fff; margin-bottom: 8px; }
.page-banner p { color: #d9dbdb; max-width: 760px; margin: 0; font-size: 1.08rem; }
.breadcrumb { font-size: .88rem; color: #b1b5b6; margin-bottom: 12px; }
.breadcrumb a { color: #fff; }

/* ---------- Sections ---------- */
.section { padding: 76px 0; }
.section.soft { background: var(--soft); }
.section.cream { background: var(--cream); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.section-head .kicker { color: var(--brand); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; font-size: .82rem; display: block; margin-bottom: 8px; }
.section-head p { color: var(--muted); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: center; }
.split.reverse > :first-child { order: 2; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } .split.reverse > :first-child { order: 0; } }
.media-frame { border-radius: 18px; overflow: hidden; box-shadow: var(--shadow); background: var(--soft); }

/* product cards */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 20px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; transition: .2s ease; display: flex; flex-direction: column; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.card .icon { width: 52px; height: 52px; border-radius: 12px; background: rgba(118,50,63,.1); display: grid; place-items: center; margin-bottom: 14px; }
.card .icon svg { width: 26px; height: 26px; stroke: var(--brand); fill: none; stroke-width: 2; }
.card p { color: var(--muted); font-size: .95rem; flex: 1; }
.card .more { font-weight: 700; }

/* quote widget page */
.quote-shell { background: #fff; border-radius: 16px; box-shadow: var(--shadow); padding: 28px; border: 1px solid var(--line); }
.quote-layout { display: grid; grid-template-columns: 1fr 340px; gap: 32px; align-items: start; }
@media (max-width: 980px) { .quote-layout { grid-template-columns: 1fr; } }
.side-box { background: var(--navy); color: #e2e4e4; border-radius: 16px; padding: 26px; position: sticky; top: 100px; }
.side-box h3 { color: #fff; }
.side-box ul { padding-left: 18px; margin: 0 0 18px; }
.side-box li { margin-bottom: 6px; }
.side-box .btn { width: 100%; justify-content: center; margin-top: 8px; }
.prose { max-width: 820px; }
.prose h2 { margin-top: 1.4em; }
.prose ul { padding-left: 20px; }
.prose li { margin-bottom: 6px; }
.note { background: var(--cream); border-left: 4px solid var(--brand); padding: 14px 18px; border-radius: 0 10px 10px 0; font-size: .95rem; color: var(--muted); }

/* blog */
.posts { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.post { background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: 0 4px 18px rgba(62,65,66,.07); display: flex; flex-direction: column; }
.post .thumb { aspect-ratio: 16/10; background: var(--soft) center/cover no-repeat; }
.post .thumb img { width: 100%; height: 100%; object-fit: cover; }
.post .body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.post h3 a { color: var(--navy); }
.post h3 a:hover { color: var(--brand); }
.post p { color: var(--muted); font-size: .95rem; flex: 1; }
.article-hero { border-radius: 16px; overflow: hidden; margin-bottom: 30px; aspect-ratio: 21/9; background: var(--soft); }
.article-hero img { width: 100%; height: 100%; object-fit: cover; }

/* insurers */
.insurers { display: flex; flex-wrap: wrap; gap: 12px; }
.insurers span { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 12px 18px; font-weight: 700; color: var(--navy); font-size: .95rem; }

/* testimonials */
.testimonials { position: relative; }
.t-track { display: grid; grid-auto-flow: column; grid-auto-columns: calc((100% - 48px) / 3); gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; padding: 6px 2px 18px; scrollbar-width: none; }
.t-track::-webkit-scrollbar { display: none; }
@media (max-width: 900px) { .t-track { grid-auto-columns: calc((100% - 24px) / 2); } }
@media (max-width: 600px) { .t-track { grid-auto-columns: 88%; } }
.t-card { scroll-snap-align: start; background: #fff; border-radius: var(--radius); padding: 26px; box-shadow: 0 4px 18px rgba(62,65,66,.07); display: flex; flex-direction: column; }
.t-card .stars { color: #f5a623; letter-spacing: 2px; margin-bottom: 10px; }
.t-card blockquote { margin: 0 0 18px; color: var(--ink); font-size: 1rem; flex: 1; }
.t-card .who { display: flex; align-items: center; gap: 12px; }
.t-card .avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 700; }
.t-card .who strong { display: block; color: var(--navy); }
.t-card .who small { color: var(--muted); }
.t-nav { display: flex; justify-content: center; gap: 10px; margin-top: 10px; }
.t-nav button { width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line); background: #fff; cursor: pointer; font-size: 1.2rem; color: var(--navy); }
.t-nav button:hover { background: var(--brand); color: #fff; border-color: var(--brand); }

/* FAQ */
.faq { max-width: 860px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 18px 54px 18px 22px; font-weight: 700; color: var(--navy); list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--brand); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details[open] { box-shadow: var(--shadow); border-color: transparent; }
.faq .answer { padding: 0 22px 18px; color: var(--muted); }
.faq-search { width: 100%; padding: 14px 18px; border: 1px solid var(--line); border-radius: 12px; font: inherit; margin-bottom: 20px; }

/* CTA band */
.cta-band { background: linear-gradient(110deg, var(--brand), #0289c9); color: #fff; padding: 56px 0; }
.cta-band .container { display: flex; justify-content: space-between; align-items: center; gap: 26px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { margin: 0; color: #f6e6e9; max-width: 680px; }
.cta-band .actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* contact form */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy); }
.field input, .field select, .field textarea { width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; font: inherit; background: #fff; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid rgba(118,50,63,.35); border-color: var(--brand); }
.form-status { margin-top: 12px; font-weight: 600; }
.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { display: flex; gap: 14px; margin-bottom: 18px; align-items: flex-start; }
.contact-list .ci { flex: 0 0 44px; height: 44px; border-radius: 12px; background: rgba(118,50,63,.1); display: grid; place-items: center; }
.contact-list .ci svg { width: 20px; height: 20px; fill: var(--brand); }
.map-frame { border: 0; width: 100%; height: 320px; border-radius: 16px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #bec2c3; padding-top: 64px; font-size: .95rem; }
.site-footer h3 { color: #fff; font-size: 1.1rem; margin-bottom: 16px; }
.site-footer a { color: #eceeee; }
.site-footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr; gap: 40px; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 8px; }
.footer-contact li { display: flex; gap: 10px; margin-bottom: 12px; }
.footer-contact svg { flex: 0 0 18px; width: 18px; height: 18px; fill: var(--brand); margin-top: 3px; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.1); margin-top: 44px; padding: 26px 0; font-size: .82rem; color: #9b9fa0; }
.disclaimer strong { color: #ced1d2; }
.footer-bottom { background: #2f3233; padding: 18px 0; font-size: .88rem; }
.footer-bottom .container { display: flex; justify-content: space-between; gap: 14px; flex-wrap: wrap; align-items: center; }
.footer-bottom .powered a { color: #fff; font-weight: 700; }
.footer-social { display: flex; gap: 10px; margin-top: 16px; }
.footer-social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.08); display: grid; place-items: center; }
.footer-social svg { width: 17px; height: 17px; fill: #fff; }

/* Floating WhatsApp */
.wa-float { position: fixed; right: 18px; bottom: 18px; width: 58px; height: 58px; border-radius: 50%; background: #25d366; display: grid; place-items: center; box-shadow: 0 8px 22px rgba(0,0,0,.25); z-index: 70; }
.wa-float svg { width: 32px; height: 32px; fill: #fff; }
.wa-float:hover { transform: scale(1.06); }

/* Utilities */
.text-center { text-align: center; }
.mt-2 { margin-top: 20px; }
.mt-3 { margin-top: 32px; }
.muted { color: var(--muted); }

/* Insurance Quotes Cloud statement for visiting advisors (works on any footer colour) */
.iqc-promo { background: rgba(0,0,0,.18); border-top: 1px solid rgba(255,255,255,.10); }
.iqc-promo .container { display: flex; justify-content: space-between; align-items: center; gap: 16px 28px; flex-wrap: wrap; padding-top: 20px; padding-bottom: 20px; }
.iqc-promo p { margin: 0; color: rgba(255,255,255,.82); max-width: 680px; font-size: .95rem; }
.iqc-promo strong { color: #fff; }
.iqc-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.iqc-actions a { padding: 9px 18px; border-radius: 999px; font-weight: 700; font-size: .9rem; white-space: nowrap; }
.site-footer .iqc-call { background: #fff; color: #1a1a1a; }
.site-footer .iqc-call:hover { background: rgba(255,255,255,.85); color: #1a1a1a; }
.site-footer .iqc-site { border: 1px solid rgba(255,255,255,.45); color: #fff; }
.site-footer .iqc-site:hover { background: #fff; color: #1a1a1a; }
@media (max-width: 600px) { .footer-bottom { padding-bottom: 88px; } }


/* ---------- Shelly Bawa: wine + blue + charcoal (her current scheme) ---------- */
:root { --blue: #0289c9; --blue-dark: #0272a8; }
h2 { color: var(--brand); }
.brand .brand-logo { height: 66px; width: auto; }
.brand .brand-text[hidden] { display: none; }
.brand .brand-text { white-space: nowrap; }
.brand { flex-shrink: 0; }
.topbar { background: var(--navy); }
.topbar svg { fill: #e7a3b0; }
.topbar-wa { display: inline-flex; align-items: center; gap: 7px; color: #fff; font-weight: 600; }
.topbar .social .topbar-wa svg { fill: #25d366; width: 16px; height: 16px; }

.hero-sb { background: radial-gradient(640px 360px at 92% 85%, rgba(2,137,201,.12), transparent 70%), linear-gradient(180deg, #fafafa 0%, #f1f1f1 100%); color: var(--ink); }
.hero-sb::after { background: radial-gradient(circle, rgba(118,50,63,.10), transparent 70%); }
.hero-sb h1 { color: var(--brand); }
.hero-sb .lead { color: var(--muted); }
.hero-sb .eyebrow { background: #fff; color: var(--brand); border: 1px solid #e3cdd2; }
.hero-sb .checklist li { color: var(--ink); }
.hero-sb .checklist li::before { background-color: var(--brand); }
.hero-sb .quick-links a { background: #fff; color: var(--ink); border: 1px solid var(--line); }
.hero-sb .quick-links a.blue { background: var(--blue); border-color: var(--blue); color: #fff; }
.hero-sb .quick-links a:hover { background: var(--brand); border-color: var(--brand); color: #fff; }
.hero-sb .quote-card { border-top: 6px solid var(--brand); box-shadow: 0 25px 60px rgba(62,65,66,.14); }
.hero-sb .quote-card h2 { color: var(--brand); }

.btn-outline { border-color: var(--blue); color: var(--blue); }
.btn-outline:hover { background: var(--blue); color: #fff; border-color: var(--blue); }
.card .icon { background: rgba(118,50,63,.08); }
.card .more, .post .more { color: var(--blue); }
.page-banner { background: var(--brand); }
.page-banner p { color: #f6e6e9; }
.side-box { background: var(--navy); border-top: 5px solid var(--brand); }
.side-box .btn-light { background: var(--blue); color: #fff; }
.cta-band { background: var(--brand); }
.cta-band p { color: #f6e6e9; }
.cta-band .btn-light { background: var(--blue); color: #fff; }
.cta-band .btn-light:hover { background: var(--blue-dark); color: #fff; }
.site-footer { background: var(--navy); }
.site-footer .btn-primary { background: var(--blue); }
.footer-contact svg { fill: #e7a3b0; }
.faq summary::after { color: var(--brand); }
@media (min-width: 900px) { .cards { grid-template-columns: repeat(3, 1fr); } .posts { grid-template-columns: repeat(2, 1fr); } }