/* ============================================================
   Harris Insurance Solutions — Design System v2
   Premium, SaaS-grade, mobile-first, WCAG AA
   ============================================================ */
:root{
  --ink:#0b1626;
  --ink-2:#33415a;
  --muted:#5a6b84;
  --blue:#0099e7;
  --blue-600:#0080c4;
  --blue-700:#00679e;
  --navy:#0a1826;
  --navy-2:#102a43;
  --sky:#e8f6fe;
  --bg:#ffffff;
  --bg-soft:#f6f9fc;
  --border:#e3eaf3;
  --amber:#f5a623;
  --green:#0f9d58;
  --red:#c5221f;
  --r-sm:10px;
  --r:16px;
  --r-lg:24px;
  --shadow-sm:0 1px 2px rgba(11,22,38,.06),0 1px 3px rgba(11,22,38,.08);
  --shadow:0 4px 14px rgba(11,22,38,.07),0 1px 3px rgba(11,22,38,.05);
  --shadow-lg:0 18px 45px rgba(11,22,38,.13);
  --grad:linear-gradient(120deg,#0099e7 0%,#00c2d8 100%);
  --grad-dark:linear-gradient(120deg,#0a1826 0%,#123a5c 100%);
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  --maxw:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
.ic{width:1.4rem;height:1.4rem;flex-shrink:0}
.ic-sm{width:1rem;height:1rem;vertical-align:-2px}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
[id]{scroll-margin-top:96px}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:1.0625rem;text-rendering:optimizeLegibility}
img,svg{max-width:100%;vertical-align:middle}
a{color:var(--blue-600);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);font-weight:700;line-height:1.18;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.25rem)}
h3{font-size:1.22rem}
h4{font-size:1.02rem}
ul,ol{padding-left:1.2rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 1.4rem}
.narrow{max-width:860px}
.center{text-align:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--blue-600);background:var(--sky);border-radius:999px;padding:.32rem .9rem;margin-bottom:1rem}
.lede{font-size:1.16rem;color:var(--ink-2);max-width:52rem}
.section{padding:clamp(3.2rem,7vw,5.5rem) 0}
.section-soft{background:var(--bg-soft)}
.section-head{max-width:46rem;margin:0 auto 2.6rem;text-align:center}
.section-head p{color:var(--muted);margin-top:.7rem}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:inherit;font-weight:600;font-size:1rem;padding:.85rem 1.7rem;border-radius:12px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;transition:transform .16s ease,box-shadow .16s ease,background .16s ease;white-space:nowrap}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn:focus-visible{outline:3px solid #7fd0f7;outline-offset:2px}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 6px 18px rgba(0,153,231,.35)}
.btn-primary:hover{background:var(--blue-600);box-shadow:0 10px 24px rgba(0,153,231,.42)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2)}
.btn-ghost{border-color:var(--border);color:var(--ink);background:#fff}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue-600)}
.btn-light{background:#fff;color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.65);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.12)}
.btn-lg{padding:1.05rem 2.1rem;font-size:1.08rem;border-radius:14px}
.btn-sm{padding:.55rem 1.15rem;font-size:.92rem;border-radius:10px}
.btn-block{width:100%}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.88);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:74px}
.logo-img{height:48px;width:auto;display:block}
.main-nav{display:flex;align-items:center;gap:.4rem}
.main-nav>a,.nav-item>button{display:block;padding:.55rem .85rem;border-radius:10px;color:var(--ink);font-weight:600;font-size:.96rem;background:none;border:none;font-family:inherit;cursor:pointer}
.main-nav>a:hover,.nav-item>button:hover{background:var(--bg-soft);text-decoration:none;color:var(--blue-600)}
.nav-item{position:relative}
.nav-item>button::after{content:"\25be";font-size:.7em;margin-left:.35rem;opacity:.7}
.nav-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:.6rem;min-width:300px;z-index:90}
.nav-menu.cols{min-width:560px;column-count:2;column-gap:.4rem}
.nav-menu.show{display:block}
@media(min-width:761px){.nav-item:hover .nav-menu,.nav-item:focus-within .nav-menu{display:block}}
.nav-menu a{display:block;padding:.5rem .8rem;border-radius:9px;color:var(--ink-2);font-size:.93rem;break-inside:avoid}
.nav-menu a:hover{background:var(--sky);color:var(--blue-700);text-decoration:none}
.nav-cta{margin-left:.6rem}
.nav-phone{font-weight:700;color:var(--navy) !important;white-space:nowrap}
.menu-toggle{display:none;background:none;border:none;font-size:1.8rem;line-height:1;color:var(--navy);cursor:pointer;padding:.3rem .5rem}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(52rem 30rem at 88% -18%,rgba(0,194,216,.16),transparent 60%),
  radial-gradient(46rem 28rem at -12% 8%,rgba(0,153,231,.13),transparent 55%),
  linear-gradient(180deg,#f8fbfe 0%,#ffffff 100%)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:3.4rem;align-items:center;padding:clamp(3rem,6vw,5rem) 0}
.hero h1{margin:.9rem 0 1.1rem}
.hero .lede{margin-bottom:1.6rem}
.hero-ctas{display:flex;gap:.9rem;flex-wrap:wrap;margin-bottom:1.6rem}
.hero-bullets{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.4rem 1.4rem;color:var(--ink-2);font-size:.95rem;font-weight:500}
.hero-bullets li{padding-left:1.5rem;position:relative}
.hero-bullets li::before{content:"";position:absolute;left:0;top:.32em;width:.95em;height:.95em;background:var(--blue);border-radius:50%;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat}
.hero-panel{position:relative}
.hero-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:1.9rem}

/* trust bar */
.trust-bar{border-top:1px solid var(--border);background:#fff}
.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;padding:1.3rem 0}
.trust-item{display:flex;align-items:center;gap:.7rem;color:var(--ink-2);font-size:.93rem;font-weight:600;justify-content:center}
.trust-item .ic{width:1.35rem;height:1.35rem;color:var(--blue);flex-shrink:0}

/* ---------- stats ---------- */
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.stat{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:1.5rem;text-align:center;box-shadow:var(--shadow-sm)}
.stat b{display:block;font-size:2rem;color:var(--blue-600);letter-spacing:-.02em}
.stat span{color:var(--muted);font-size:.92rem;font-weight:500}

/* ---------- cards ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.35rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:1.7rem;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
a.card{display:block;color:inherit}
a.card:hover{text-decoration:none;transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#bfe4f9}
.card .ic-wrap{width:2.9rem;height:2.9rem;border-radius:12px;background:var(--sky);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.card .ic{width:1.5rem;height:1.5rem;color:var(--blue-600)}
.card h3{margin-bottom:.45rem}
.card p{color:var(--muted);font-size:.95rem}
.card .more{display:inline-block;margin-top:.8rem;font-weight:600;font-size:.93rem;color:var(--blue-600)}
a.card:hover .more{text-decoration:underline}

/* industries */
.ind-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.ind-tile{display:flex;align-items:center;gap:.8rem;background:#fff;border:1px solid var(--border);border-radius:var(--r-sm);padding:1rem 1.1rem;font-weight:600;font-size:.95rem;color:var(--ink);box-shadow:var(--shadow-sm);transition:all .16s ease}
a.ind-tile:hover{text-decoration:none;border-color:#bfe4f9;transform:translateY(-2px);box-shadow:var(--shadow)}
.ind-tile .ic{width:1.35rem;height:1.35rem;color:var(--blue);flex-shrink:0}

/* why list */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.35rem}
.why-item{display:flex;gap:1rem;align-items:flex-start}
.why-item .ic-wrap{flex-shrink:0;width:2.6rem;height:2.6rem;border-radius:11px;background:var(--sky);display:flex;align-items:center;justify-content:center}
.why-item .ic{width:1.35rem;height:1.35rem;color:var(--blue-600)}
.why-item h3{font-size:1.05rem;margin-bottom:.25rem}
.why-item p{color:var(--muted);font-size:.93rem}

/* testimonials */
.quote-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:1.7rem;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:1rem}
.quote-card blockquote{color:var(--ink-2);font-size:.98rem}
.quote-who{display:flex;align-items:center;gap:.8rem;font-size:.9rem}
.quote-who .avatar{width:2.6rem;height:2.6rem;border-radius:50%;background:var(--grad);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.quote-who b{display:block;color:var(--ink)}
.quote-who span{color:var(--muted)}
.stars{color:var(--amber);letter-spacing:.1em;font-size:.95rem}

/* ---------- faq ---------- */
.faq-item{background:#fff;border:1px solid var(--border);border-radius:var(--r-sm);margin-bottom:.75rem;overflow:hidden;box-shadow:var(--shadow-sm)}
.faq-item summary{padding:1.05rem 3rem 1.05rem 1.3rem;font-weight:600;cursor:pointer;list-style:none;position:relative;color:var(--ink)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);font-size:1.35rem;color:var(--blue);font-weight:400}
.faq-item[open] summary::after{content:"\2212"}
.faq-a{padding:0 1.3rem 1.15rem;color:var(--muted);font-size:.97rem}

/* ---------- CTA band ---------- */
.cta-band{background:var(--grad-dark);color:#fff;border-radius:var(--r-lg);padding:clamp(2.4rem,5vw,3.6rem);position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(40rem 20rem at 90% -30%,rgba(0,194,216,.25),transparent 60%);pointer-events:none}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{color:#c9dcec;max-width:40rem;margin-bottom:1.6rem}
.cta-band .btn-primary{box-shadow:0 8px 24px rgba(0,153,231,.5)}

/* ---------- page hero (interior) ---------- */
.page-hero{background:
  radial-gradient(40rem 22rem at 92% -20%,rgba(0,194,216,.14),transparent 60%),
  linear-gradient(180deg,#f8fbfe,#fff)}
.page-hero .inner{padding:clamp(2.6rem,5vw,4rem) 0}
.breadcrumb{font-size:.86rem;color:var(--muted);margin-bottom:.9rem}
.breadcrumb a{color:var(--muted)}
.page-hero .lede{margin-top:.9rem}
.page-hero .cta-row{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.6rem}

/* content two-col */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.check-list{list-style:none;padding:0;margin-top:.9rem}
.check-list li{padding-left:1.9rem;position:relative;margin:.6rem 0;color:var(--ink-2)}
.check-list li::before{content:"";position:absolute;left:0;top:.34em;width:1.05em;height:1.05em;border-radius:50%;background:var(--sky) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230080c4' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/62% no-repeat}
.info-card{background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--r);padding:1.5rem;margin-top:1.4rem}
.info-card h3{font-size:1rem;margin-bottom:.4rem}
.info-card p{font-size:.94rem;color:var(--ink-2)}
.related-links{margin-top:1.6rem;font-size:.95rem;color:var(--muted)}

/* ---------- forms ---------- */
.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:1.9rem}
.form-card h3{font-size:1.35rem;margin-bottom:.2rem;letter-spacing:-.01em}
.form-sub{color:var(--muted);font-size:.92rem;margin-bottom:1.15rem}
.steps-nav{display:flex;gap:.5rem;margin-bottom:1.3rem}
.steps-nav .step-dot{flex:1;height:5px;border-radius:99px;background:var(--border);transition:background .3s ease}
.steps-nav .step-dot.active{background:var(--blue)}
.step-label{font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-600);margin-bottom:.9rem}
.form-step{display:none}
.form-step.active{display:block;animation:fadeUp .3s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.f-row{margin-bottom:.95rem}
.f-2col{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.f-row label{display:block;font-weight:600;font-size:.86rem;color:var(--ink)}
.f-row input,.f-row select,.f-row textarea{width:100%;margin-top:.3rem;padding:.72rem .85rem;border:1.5px solid var(--border);border-radius:11px;font:inherit;font-size:.96rem;background:#fff;color:var(--ink);transition:border-color .15s ease,box-shadow .15s ease}
.f-row input:focus,.f-row select:focus,.f-row textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,153,231,.14)}
.f-row .hint{font-size:.78rem;color:var(--muted);margin-top:.25rem}
.chip-grid{display:grid;grid-template-columns:1fr 1fr;gap:.55rem;margin-top:.4rem}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.chip span{display:block;padding:.55rem .8rem;border:1.5px solid var(--border);border-radius:10px;font-size:.88rem;font-weight:500;color:var(--ink-2);text-align:center;transition:all .14s ease}
.chip input:checked + span{background:var(--sky);border-color:var(--blue);color:var(--blue-700);font-weight:600}
.chip input:focus-visible + span{outline:3px solid #7fd0f7;outline-offset:1px}
.form-nav{display:flex;gap:.8rem;margin-top:1.3rem}
.form-nav .btn-back{flex:0 0 auto}
.form-nav .btn-next,.form-nav .btn-submit{flex:1}
.form-status{margin-top:.75rem;font-size:.93rem;font-weight:600;min-height:1.3em}
.form-status.err{color:var(--red)}
.form-fine{font-size:.78rem;color:var(--muted);margin-top:.8rem;display:flex;gap:.45rem;align-items:flex-start}
.form-fine .ic{width:1rem;height:1rem;flex-shrink:0;color:var(--green);margin-top:.15rem}
.consent-row{margin-top:.9rem}
.consent-label{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.78rem;color:var(--muted);line-height:1.5}
.consent-label input{width:auto;margin-top:.2rem;flex-shrink:0}
.hp-field{position:absolute !important;left:-9999px !important;top:-9999px !important;height:1px;width:1px;overflow:hidden}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#a9bdd1;font-size:.94rem;margin-top:4rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2.4rem;padding:3.4rem 0 2.4rem}
.footer-logo{height:44px;width:auto;margin-bottom:1rem}
.site-footer h4{color:#fff;font-size:.98rem;margin-bottom:.85rem}
.footer-links{list-style:none;padding:0}
.footer-links li{margin:.42rem 0}
.site-footer a{color:#a9bdd1}
.site-footer a:hover{color:#fff}
.footer-contact{margin-top:.9rem;font-weight:600;line-height:2}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:1.4rem 0;text-align:center;font-size:.84rem;color:#7e94ab}
.footer-disclaimer{max-width:60rem;margin:0 auto .8rem}

/* ---------- sticky mobile CTA ---------- */
.mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:70;background:#fff;border-top:1px solid var(--border);box-shadow:0 -6px 24px rgba(11,22,38,.12);padding:.65rem .9rem;gap:.7rem}
.mobile-cta .btn{flex:1;padding:.75rem .5rem;font-size:.95rem}

/* ---------- reveal animations (only hidden when JS is running) ---------- */
html.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
html.js .reveal.visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  .btn:hover{transform:none}
}

/* ---------- utility ---------- */
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:2rem}.mt-4{margin-top:3rem}
.city-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.7rem}
.city-grid a{padding:.6rem .9rem;background:#fff;border:1px solid var(--border);border-radius:10px;font-size:.92rem;font-weight:500;color:var(--ink-2);text-align:center}
.city-grid a:hover{border-color:#bfe4f9;color:var(--blue-600);text-decoration:none}
.prose h2{margin:2rem 0 .7rem}
.prose h3{margin:1.4rem 0 .5rem}
.prose p{margin-bottom:.9rem;color:var(--ink-2)}
.prose ul{margin:.6rem 0 1rem}
.prose li{margin:.35rem 0;color:var(--ink-2)}
.dl-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem 2rem}
.dl-grid div{background:#fff;border:1px solid var(--border);border-radius:var(--r-sm);padding:1rem 1.2rem}
.dl-grid dt{font-weight:700;color:var(--ink)}
.dl-grid dd{margin:0;color:var(--muted);font-size:.94rem}

/* ---------- responsive ---------- */
@media(max-width:1020px){
  .hero-grid{grid-template-columns:1fr;gap:2.4rem}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4,.ind-grid,.stats-row{grid-template-columns:repeat(2,1fr)}
  .why-grid{grid-template-columns:repeat(2,1fr)}
  .trust-row{grid-template-columns:repeat(2,1fr);gap:.7rem}
  .footer-grid{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:2rem}
  .city-grid{grid-template-columns:repeat(3,1fr)}
  .nav-menu.cols{min-width:420px;column-count:1}
}
@media(max-width:760px){
  body{font-size:1rem;overflow-x:hidden}
  .btn{white-space:normal;text-align:center}
  .hero-ctas .btn,.cta-row .btn{width:100%}
  .menu-toggle{display:block}
  .main-nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:1rem 1.4rem 1.4rem;border-bottom:1px solid var(--border);box-shadow:var(--shadow-lg);gap:.15rem;max-height:calc(100vh - 74px);overflow-y:auto}
  .main-nav.open{display:flex}
  .nav-item>button{width:100%;text-align:left}
  .nav-menu{position:static;display:none;box-shadow:none;border:none;padding:.2rem 0 .4rem .8rem;min-width:0}
  .nav-menu.cols{column-count:1;min-width:0}
  .nav-item.open .nav-menu{display:block}
  .nav-cta{margin:.6rem 0 0}
  .grid-3,.grid-4,.why-grid,.stats-row,.ind-grid{grid-template-columns:1fr}
  .f-2col,.chip-grid,.dl-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .city-grid{grid-template-columns:repeat(2,1fr)}
  .mobile-cta{display:flex}
  body{padding-bottom:64px}
  .trust-row{grid-template-columns:1fr 1fr}
  .trust-item{justify-content:flex-start}
}