/* ============================================================
   Trustner Insurance Brokers — trustnerinsure.com
   Shared stylesheet. Mobile-first, no frameworks, system fonts.
   ============================================================ */

:root{
  --blue:#1B75BC;          /* brand blue (logo) */
  --blue-dark:#0F5490;
  --navy:#122A3E;
  --ink:#1E3348;
  --slate:#51667C;
  --mist:#8BA0B3;
  --line:#DFE8F0;
  --bg:#FFFFFF;
  --bg-soft:#F4F8FB;
  --bg-blue:#E8F1F9;
  --amber:#E8850C;
  --amber-dark:#C56F06;
  --green:#0E7C4A;
  --green-soft:#E4F5EC;
  --red:#C13515;
  --red-soft:#FCEDE8;
  --r:12px;
  --r-lg:18px;
  --shadow:0 4px 18px rgba(18,42,62,.08);
  --shadow-lg:0 14px 40px rgba(18,42,62,.12);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1140px;margin:0 auto;padding:0 20px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}
.brand{display:flex;align-items:center;gap:10px;flex-shrink:0}
.brand:hover{text-decoration:none}
.brand img{height:40px;width:auto}
.brand-sub{font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--slate);line-height:1.2;border-left:2px solid var(--line);padding-left:10px}
.main-nav{display:none}
.main-nav a{display:block;padding:8px 11px;border-radius:8px;font-size:14px;font-weight:600;color:var(--slate);white-space:nowrap}
.main-nav a:hover{background:var(--bg-blue);color:var(--blue);text-decoration:none}
.main-nav a.active{background:var(--bg-blue);color:var(--blue)}
.header-cta{display:none;align-items:center;gap:10px}
.nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:22px;height:22px}
.mobile-nav{display:none;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 18px}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:12px 14px;border-radius:10px;font-size:15px;font-weight:600;color:var(--ink)}
.mobile-nav a:hover,.mobile-nav a.active{background:var(--bg-blue);color:var(--blue);text-decoration:none}
.mobile-nav .m-call{margin-top:10px;background:var(--blue);color:#fff;text-align:center}
.mobile-nav .m-call:hover{background:var(--blue-dark);color:#fff}

@media(min-width:960px){
  .main-nav{display:flex;gap:2px}
  .header-cta{display:flex}
  .nav-toggle{display:none}
}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 26px;border-radius:10px;font-size:15px;font-weight:700;font-family:var(--font);cursor:pointer;border:none;transition:background .2s,box-shadow .2s,transform .15s;white-space:nowrap}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(27,117,188,.35)}
.btn-primary:hover{background:var(--blue-dark);color:#fff}
.btn-amber{background:var(--amber);color:#fff;box-shadow:0 4px 14px rgba(232,133,12,.3)}
.btn-amber:hover{background:var(--amber-dark);color:#fff}
.btn-outline{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.btn-outline:hover{background:var(--bg-blue);color:var(--blue-dark)}
.btn-ghost-light{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55)}
.btn-ghost-light:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn-sm{padding:9px 18px;font-size:14px}
.btn svg{width:18px;height:18px;flex-shrink:0}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(150deg,var(--blue-dark) 0%,var(--blue) 55%,#2C8AD0 100%);color:#fff;padding:56px 0 60px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.07)}
.hero::before{content:"";position:absolute;left:-100px;bottom:-180px;width:360px;height:360px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero .container{position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;padding:7px 16px;border-radius:100px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.25);font-size:13px;font-weight:600;margin-bottom:22px}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:#7BE3A8}
.hero h1{font-size:clamp(30px,5vw,46px);font-weight:800;line-height:1.15;letter-spacing:-.02em;max-width:760px;margin-bottom:16px}
.hero p.lead{font-size:clamp(16px,2vw,19px);color:rgba(255,255,255,.88);max-width:640px;margin-bottom:30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:34px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 22px;font-size:14px;color:rgba(255,255,255,.92)}
.hero-points span{display:inline-flex;align-items:center;gap:7px;font-weight:600}
.hero-points svg{width:16px;height:16px;color:#7BE3A8}

/* ---------- Sections ---------- */
.section{padding:64px 0}
.section-soft{background:var(--bg-soft)}
.section-blue{background:var(--bg-blue)}
.kicker{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.section h2{font-size:clamp(24px,3.4vw,32px);font-weight:800;color:var(--navy);line-height:1.25;letter-spacing:-.01em;margin-bottom:12px}
.section .sub{font-size:16px;color:var(--slate);max-width:680px;margin-bottom:36px}
.center{text-align:center}
.center .sub{margin-left:auto;margin-right:auto}

/* ---------- Cards & grids ---------- */
.grid{display:grid;gap:22px}
@media(min-width:700px){.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.grid-4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:0 1px 3px rgba(18,42,62,.04);transition:box-shadow .25s,transform .25s}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.card h3{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:8px}
.card p{font-size:14px;color:var(--slate)}
.card .icon{width:48px;height:48px;border-radius:12px;background:var(--bg-blue);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .icon svg{width:24px;height:24px}
.card-link{display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:700;color:var(--blue);margin-top:14px}
.card-link svg{width:16px;height:16px}

/* ---------- Check list ---------- */
.checks{list-style:none;display:grid;gap:12px}
.checks li{display:flex;gap:11px;align-items:flex-start;font-size:15px;color:var(--ink)}
.checks svg{width:19px;height:19px;color:var(--green);flex-shrink:0;margin-top:3px}
.checks strong{color:var(--navy)}

/* ---------- Steps ---------- */
.steps{display:grid;gap:20px;counter-reset:step}
@media(min-width:760px){.steps{grid-template-columns:repeat(4,1fr)}.steps.steps-3{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 22px;position:relative}
.step .n{width:38px;height:38px;border-radius:10px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:15px;margin-bottom:14px}
.step h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:6px}
.step p{font-size:14px;color:var(--slate)}

/* ---------- Split layout ---------- */
.split{display:grid;gap:36px;align-items:center}
@media(min-width:900px){.split{grid-template-columns:1fr 1fr;gap:56px}}

/* ---------- Info / stat strip ---------- */
.fact-strip{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;grid-template-columns:1fr 1fr}
@media(min-width:800px){.fact-strip{grid-template-columns:repeat(4,1fr)}}
.fact{background:#fff;padding:22px 18px;text-align:center}
.fact .v{font-size:22px;font-weight:800;color:var(--blue);margin-bottom:2px}
.fact .l{font-size:12.5px;color:var(--slate);font-weight:600}

/* ---------- Insurer strip ---------- */
.insurer-strip{display:flex;flex-wrap:wrap;gap:10px}
.insurer-strip span{background:#fff;border:1px solid var(--line);border-radius:100px;padding:8px 18px;font-size:13.5px;font-weight:600;color:var(--slate)}
.note-line{font-size:12.5px;color:var(--mist);margin-top:16px}

/* ---------- Table ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-lg)}
table.cmp{width:100%;border-collapse:collapse;min-width:560px;background:#fff}
table.cmp th{background:var(--bg-blue);color:var(--navy);text-align:left;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.04em;padding:14px 16px}
table.cmp td{padding:13px 16px;font-size:14px;color:var(--ink);border-top:1px solid var(--line);vertical-align:top}
table.cmp td:first-child{font-weight:700;color:var(--navy)}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:0;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:17px 48px 17px 20px;font-size:15.5px;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:22px;font-weight:400;color:var(--blue)}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 20px 18px;font-size:14.5px;color:var(--slate)}
.faq .a p+p{margin-top:10px}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--blue-dark));border-radius:var(--r-lg);padding:44px 30px;color:#fff;text-align:center}
.cta-band h2{color:#fff;font-size:clamp(22px,3vw,30px);font-weight:800;margin-bottom:10px}
.cta-band p{color:rgba(255,255,255,.85);max-width:560px;margin:0 auto 26px;font-size:15.5px}
.cta-band .hero-actions{justify-content:center;margin-bottom:0}

/* ---------- Contact page ---------- */
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px}
.contact-card h3{font-size:17px;font-weight:800;color:var(--navy);margin-bottom:14px}
.contact-list{list-style:none;display:grid;gap:14px}
.contact-list li{display:flex;gap:12px;align-items:flex-start;font-size:15px}
.contact-list svg{width:20px;height:20px;color:var(--blue);flex-shrink:0;margin-top:3px}
.contact-list a{font-weight:700}
.map-wrap{border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow)}
.map-wrap iframe{display:block;width:100%;height:380px;border:0}

.form{display:grid;gap:14px}
.form label{font-size:13px;font-weight:700;color:var(--navy)}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font-size:15px;font-family:var(--font);color:var(--ink);background:#fff;outline:none;transition:border-color .2s}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--blue)}
.form-note{font-size:12.5px;color:var(--mist)}

/* ---------- Prose (privacy etc.) ---------- */
.prose{max-width:800px}
.prose h2{font-size:21px;font-weight:800;color:var(--navy);margin:34px 0 12px}
.prose h3{font-size:17px;font-weight:700;color:var(--navy);margin:24px 0 8px}
.prose p{margin-bottom:14px;color:var(--ink);font-size:15px}
.prose ul{margin:0 0 14px 22px;font-size:15px}
.prose li{margin-bottom:7px}

/* ---------- Breadcrumb ---------- */
.crumbs{font-size:13px;color:var(--mist);padding:16px 0 0}
.crumbs a{color:var(--slate);font-weight:600}

/* ---------- Footer ---------- */
.footer{background:var(--navy);color:#B9C8D6;margin-top:70px}
.footer a{color:#CFDCE8}
.footer a:hover{color:#fff}
.footer-top{display:grid;gap:36px;padding:54px 0 38px}
@media(min-width:820px){.footer-top{grid-template-columns:1.5fr 1fr 1fr 1fr}}
.footer-brand img{height:42px;width:auto;background:#fff;border-radius:9px;padding:6px 10px;margin-bottom:14px}
.footer-tagline{font-size:14px;color:#9FB2C2;max-width:300px;margin-bottom:18px}
.footer-contact{display:grid;gap:10px;font-size:14px}
.footer-contact a{display:flex;align-items:flex-start;gap:9px}
.footer-contact svg{width:17px;height:17px;flex-shrink:0;margin-top:3px;color:#7FB4DC}
.footer h4{color:#fff;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.footer-links{display:grid;gap:9px;font-size:14px}
.footer-regulatory{border-top:1px solid rgba(255,255,255,.12);padding:26px 0}
.reg-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.reg-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:100px;padding:7px 16px;font-size:12.5px;font-weight:600;color:#D7E4EF}
.reg-badge svg{width:15px;height:15px;color:#7FB4DC}
.reg-text{font-size:12.5px;color:#93A8BA;line-height:1.7}
.footer-disclaimers{border-top:1px solid rgba(255,255,255,.12);padding:24px 0}
.risk-banner{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:13px 18px;font-size:13.5px;font-weight:700;color:#EAF2F8;margin-bottom:16px}
.disc-block{font-size:12px;color:#8CA1B4;line-height:1.7;margin-bottom:10px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0 26px;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:13px;color:#8CA1B4}
.footer-quick-links{display:flex;flex-wrap:wrap;gap:16px}

/* ---------- WhatsApp FAB ---------- */
.fab-whatsapp{position:fixed;right:18px;bottom:18px;z-index:90;width:54px;height:54px;border-radius:50%;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 20px rgba(37,211,102,.45);transition:transform .2s}
.fab-whatsapp:hover{transform:scale(1.07)}
.fab-whatsapp svg{width:28px;height:28px}

/* ---------- 404 ---------- */
.err-wrap{min-height:60vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 20px}
.err-code{font-size:88px;font-weight:900;color:var(--blue);line-height:1;letter-spacing:-.04em}
.err-wrap h1{font-size:26px;font-weight:800;color:var(--navy);margin:12px 0 10px}
.err-wrap p{color:var(--slate);max-width:440px;margin:0 auto 26px}

/* ---------- Utilities ---------- */
.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-36{margin-top:36px}
.mb-0{margin-bottom:0}
@media print{.site-header,.fab-whatsapp,.mobile-nav{display:none}}