/* ============================================================
   Illinois Alliance Insurance Agency — Global Stylesheet
   Brand color: Navy #1B2E5A  |  Accent: #3A6EA5  |  Gold: #C9A94E
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

/* ---------- reset & tokens ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --navy:      #1B2E5A;
  --navy-dark: #111D3A;
  --navy-light:#2A4478;
  --accent:    #3A6EA5;
  --accent-lt: #5A9ED6;
  --gold:      #C9A94E;
  --gold-lt:   #E0C76A;
  --cream:     #F7F5F0;
  --white:     #FFFFFF;
  --gray-100:  #F4F5F7;
  --gray-200:  #E2E4E9;
  --gray-400:  #9BA3B2;
  --gray-600:  #5A6270;
  --gray-800:  #2E333B;
  --text:      #2E333B;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Source Sans 3', 'Segoe UI', sans-serif;
  --max-w:     1200px;
  --radius:    8px;
  --shadow:    0 4px 24px rgba(27,46,90,.10);
  --shadow-lg: 0 12px 48px rgba(27,46,90,.14);
  --transition: .3s cubic-bezier(.4,0,.2,1);
}

html{scroll-behavior:smooth;font-size:16px}
body{
  font-family:var(--font-body);
  color:var(--text);
  line-height:1.7;
  background:var(--cream);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--gold)}

/* ---------- utility ---------- */
.container{width:90%;max-width:var(--max-w);margin:0 auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:var(--white);
  border-bottom:1px solid var(--gray-200);
  box-shadow:0 1px 8px rgba(27,46,90,.06);
}
.header-top{
  display:flex;align-items:center;justify-content:space-between;
  padding:.5rem 0;
  font-size:.85rem;color:var(--gray-600);
  border-bottom:1px solid var(--gray-200);
}
.header-top a{color:var(--navy);font-weight:600}
.header-main{
  display:flex;align-items:center;justify-content:space-between;
  padding:.75rem 0;
}
.logo-group{display:flex;align-items:center;gap:.85rem;text-decoration:none}
.logo-mark{width:56px;height:56px;flex-shrink:0}
.logo-text{display:flex;flex-direction:column;line-height:1.15}
.logo-text strong{font-family:var(--font-display);font-size:1.2rem;color:var(--navy);letter-spacing:.02em}
.logo-text span{font-size:.72rem;font-weight:600;color:var(--accent);letter-spacing:.14em;text-transform:uppercase}

/* nav */
.main-nav ul{display:flex;gap:.15rem;list-style:none}
.main-nav a{
  display:block;padding:.55rem 1rem;
  font-weight:600;font-size:.9rem;color:var(--navy);
  border-radius:var(--radius);
  transition:background var(--transition),color var(--transition);
}
.main-nav a:hover,.main-nav a.active{background:var(--navy);color:var(--white)}

/* hamburger */
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:.5rem}
.nav-toggle span{display:block;width:26px;height:3px;background:var(--navy);border-radius:2px;transition:var(--transition)}
.nav-toggle span+span{margin-top:5px}

/* ---------- hero ---------- */
.hero{
  position:relative;
  background:linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 40%, var(--navy-light) 100%);
  color:var(--white);
  overflow:hidden;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero .container{position:relative;z-index:1;padding:4.5rem 0 4rem;text-align:center}
.hero h1{font-family:var(--font-display);font-size:clamp(2rem,4.5vw,3.2rem);font-weight:700;margin-bottom:.6rem}
.hero .subtitle{font-size:1.15rem;opacity:.85;max-width:640px;margin:0 auto 2.5rem;font-weight:300}

/* dual CTA boxes */
.hero-ctas{
  display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;
  max-width:680px;margin:0 auto;
}
.cta-card{
  background:rgba(255,255,255,.08);
  backdrop-filter:blur(8px);
  border:2px solid rgba(255,255,255,.18);
  border-radius:12px;
  padding:2.5rem 1.5rem;
  text-align:center;
  transition:transform var(--transition),background var(--transition),border-color var(--transition);
  cursor:pointer;text-decoration:none;color:var(--white);
}
.cta-card:hover{
  transform:translateY(-4px);
  background:rgba(255,255,255,.14);
  border-color:var(--gold);
  color:var(--white);
}
.cta-card .icon{font-size:2.5rem;margin-bottom:.75rem}
.cta-card h2{font-family:var(--font-display);font-size:1.4rem;margin-bottom:.4rem}
.cta-card p{font-size:.9rem;opacity:.75}

/* ---------- section basics ---------- */
section{padding:4rem 0}
.section-title{
  font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.2rem);
  color:var(--navy);margin-bottom:.4rem;
}
.section-subtitle{color:var(--gray-600);margin-bottom:2rem;font-size:1.05rem}

/* ---------- cards grid ---------- */
.cards{display:grid;gap:1.5rem}
.cards-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.cards-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.cards-5{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.card{
  background:var(--white);border-radius:var(--radius);
  padding:2rem;box-shadow:var(--shadow);
  transition:transform var(--transition),box-shadow var(--transition);
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.card .card-icon{
  width:52px;height:52px;border-radius:50%;
  background:linear-gradient(135deg,var(--navy),var(--accent));
  color:var(--white);display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;margin-bottom:1rem;
}
.card h3{font-family:var(--font-display);color:var(--navy);margin-bottom:.5rem;font-size:1.15rem}

/* ---------- info bar / stats ---------- */
.info-bar{
  background:var(--navy);color:var(--white);
}
.info-bar .container{
  display:flex;justify-content:space-around;flex-wrap:wrap;
  padding:2rem 0;text-align:center;gap:1.5rem;
}
.info-item .number{font-family:var(--font-display);font-size:2rem;font-weight:700;color:var(--gold)}
.info-item .label{font-size:.85rem;opacity:.8;margin-top:.2rem}

/* ---------- team grid ---------- */
.team-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.5rem}
.team-card{
  background:var(--white);border-radius:var(--radius);
  padding:1.75rem;text-align:center;
  box-shadow:var(--shadow);
  border-top:4px solid var(--navy);
  transition:transform var(--transition);
}
.team-card:hover{transform:translateY(-3px)}
.team-card .avatar{
  width:72px;height:72px;border-radius:50%;margin:0 auto 1rem;
  background:linear-gradient(135deg,var(--navy),var(--accent));
  color:var(--white);display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:1.5rem;font-weight:700;
}
.team-card h3{color:var(--navy);font-size:1.05rem;margin-bottom:.3rem}
.team-card .team-email{color:var(--accent);font-size:.88rem;word-break:break-all}
.team-card .team-phone{color:var(--gray-600);font-size:.88rem}

/* ---------- carriers ---------- */
.carrier-section h3{
  font-family:var(--font-display);color:var(--navy);
  font-size:1.2rem;margin-bottom:1rem;
  padding-bottom:.5rem;border-bottom:2px solid var(--gold);
}
.carrier-list{
  display:flex;flex-wrap:wrap;gap:.6rem;margin-bottom:2rem;
}
.carrier-tag{
  background:var(--white);border:1px solid var(--gray-200);
  border-radius:6px;padding:.45rem .9rem;
  font-size:.88rem;font-weight:500;color:var(--navy);
  transition:border-color var(--transition),background var(--transition);
}
.carrier-tag:hover{border-color:var(--accent);background:var(--gray-100)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.7rem 1.6rem;border-radius:var(--radius);
  font-family:var(--font-body);font-weight:600;font-size:.95rem;
  border:none;cursor:pointer;transition:all var(--transition);
  text-decoration:none;
}
.btn-primary{background:var(--navy);color:var(--white)}
.btn-primary:hover{background:var(--navy-light);color:var(--white)}
.btn-secondary{background:var(--white);color:var(--navy);border:2px solid var(--navy)}
.btn-secondary:hover{background:var(--navy);color:var(--white)}
.btn-gold{background:var(--gold);color:var(--navy-dark)}
.btn-gold:hover{background:var(--gold-lt);color:var(--navy-dark)}
.btn-lg{padding:.85rem 2.2rem;font-size:1.05rem}

/* ---------- forms ---------- */
.form-group{margin-bottom:1.25rem}
.form-group label{display:block;font-weight:600;font-size:.9rem;color:var(--navy);margin-bottom:.35rem}
.form-group input,.form-group textarea,.form-group select{
  width:100%;padding:.65rem .9rem;
  border:1.5px solid var(--gray-200);border-radius:var(--radius);
  font-family:var(--font-body);font-size:.95rem;color:var(--text);
  transition:border-color var(--transition);
  background:var(--white);
}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{
  outline:none;border-color:var(--accent);
  box-shadow:0 0 0 3px rgba(58,110,165,.12);
}
.form-group textarea{resize:vertical;min-height:120px}
.checkbox-group{display:flex;align-items:flex-start;gap:.6rem}
.checkbox-group input[type="checkbox"]{margin-top:.35rem;accent-color:var(--navy)}

/* ---------- form messages ---------- */
.form-msg{
  display:flex;align-items:center;gap:.6rem;
  padding:1rem 1.25rem;border-radius:var(--radius);
  margin-top:1rem;font-size:.95rem;font-weight:500;
  animation:fadeUp .3s ease both;
}
.form-msg--success{background:#e8f5e9;color:#2e7d32;border:1px solid #a5d6a7}
.form-msg--error{background:#fce4ec;color:#c62828;border:1px solid #ef9a9a}
.form-msg .fm-i{font-size:1.2rem;flex-shrink:0}

/* ---------- form layout helpers ---------- */
.form-row{display:grid;gap:1rem}
.form-row.cols-2{grid-template-columns:1fr 1fr}
.form-row.cols-3{grid-template-columns:1fr 1fr 1fr}
@media(max-width:600px){.form-row.cols-2,.form-row.cols-3{grid-template-columns:1fr}}
.form-section{margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--gray-200)}
.form-section h3{font-family:var(--font-display);color:var(--navy);font-size:1.1rem;margin-bottom:1rem}
fieldset{border:none;padding:0;margin:0}
legend{font-weight:600;color:var(--navy);font-size:.95rem;margin-bottom:.5rem}
.radio-group{display:flex;flex-wrap:wrap;gap:.75rem 1.5rem}
.radio-group label{display:flex;align-items:center;gap:.4rem;font-weight:400;cursor:pointer;font-size:.92rem}
.radio-group input{accent-color:var(--navy)}

/* ---------- disclosure box ---------- */
.disclosure-box{
  background:var(--gray-100);border:1px solid var(--gray-200);
  border-radius:var(--radius);padding:1.5rem;margin-bottom:1.5rem;
}
.disclosure-box h3{color:var(--navy);margin-bottom:.75rem;font-size:1.05rem}
.disclosure-box ul{list-style:disc;padding-left:1.2rem;color:var(--gray-800)}
.disclosure-box li{margin-bottom:.6rem;font-size:.92rem;line-height:1.6}

/* ---------- option cards (quote flow) ---------- */
.option-cards{display:grid;gap:1.25rem}
.option-cards.cols-2{grid-template-columns:1fr 1fr}
.option-cards.cols-3{grid-template-columns:repeat(3,1fr)}
.option-card{
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  background:var(--white);border:2px solid var(--gray-200);
  border-radius:var(--radius);padding:2rem 1.5rem;
  text-align:center;cursor:pointer;text-decoration:none;color:var(--navy);
  transition:all var(--transition);
}
.option-card:hover{border-color:var(--navy);box-shadow:var(--shadow);transform:translateY(-2px);color:var(--navy)}
.option-card .opt-icon{font-size:2rem;margin-bottom:.75rem}
.option-card h3{font-family:var(--font-display);font-size:1.15rem;margin-bottom:.3rem}
.option-card p{font-size:.85rem;color:var(--gray-600)}

/* product icons grid */
.product-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:1.25rem;margin-top:1.5rem}
.product-card{
  background:var(--white);border:2px solid var(--gray-200);
  border-radius:var(--radius);padding:1.75rem 1rem;text-align:center;
  cursor:pointer;text-decoration:none;color:var(--navy);
  transition:all var(--transition);
}
.product-card:hover{border-color:var(--accent);box-shadow:var(--shadow)}
.product-card .prod-icon{font-size:2.5rem;margin-bottom:.6rem}
.product-card h4{font-size:.95rem;font-weight:600}

/* ---------- footer ---------- */
.site-footer{
  background:var(--navy-dark);color:rgba(255,255,255,.75);
  padding:3rem 0 1.5rem;
}
.footer-grid{
  display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:2rem;
  margin-bottom:2rem;
}
.footer-col h4{
  font-family:var(--font-display);color:var(--gold);
  margin-bottom:.85rem;font-size:1.05rem;
}
.footer-col p,.footer-col li{font-size:.9rem;line-height:1.7}
.footer-col ul{list-style:none}
.footer-col a{color:rgba(255,255,255,.75);transition:color var(--transition)}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);
  padding-top:1.25rem;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;
  font-size:.82rem;
}
.footer-bottom .states{font-style:italic;opacity:.65}

/* ---------- page-header (inner pages) ---------- */
.page-header{
  background:linear-gradient(135deg,var(--navy-dark),var(--navy));
  color:var(--white);padding:3rem 0 2.5rem;
  text-align:center;
}
.page-header h1{font-family:var(--font-display);font-size:clamp(1.8rem,3.5vw,2.6rem)}
.page-header p{opacity:.8;margin-top:.4rem;font-size:1.05rem}

/* ---------- content area ---------- */
.content-area{padding:3rem 0}
.content-area p{margin-bottom:1rem;max-width:70ch}

/* two-col layout */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.two-col-wide{grid-template-columns:1.4fr 1fr}

/* sidebar info box */
.sidebar-info{
  background:var(--white);border-radius:var(--radius);
  padding:2rem;box-shadow:var(--shadow);
  border-top:4px solid var(--gold);
}
.sidebar-info h3{font-family:var(--font-display);color:var(--navy);margin-bottom:1rem}
.sidebar-info p{font-size:.92rem;margin-bottom:.6rem}
.sidebar-info .info-line{display:flex;align-items:center;gap:.5rem;margin-bottom:.5rem;font-size:.92rem}
.sidebar-info .info-line .ico{color:var(--accent);font-size:1.1rem}

/* ---------- map placeholder ---------- */
.map-embed{
  width:100%;height:280px;border-radius:var(--radius);overflow:hidden;
  border:1px solid var(--gray-200);margin-top:1.5rem;
}
.map-embed iframe{width:100%;height:100%;border:none}

/* ---------- back link ---------- */
.back-link{display:inline-flex;align-items:center;gap:.4rem;margin-bottom:1.5rem;font-weight:600;font-size:.9rem}

/* ---------- responsive ---------- */
@media(max-width:900px){
  .hero-ctas{grid-template-columns:1fr;max-width:360px}
  .footer-grid{grid-template-columns:1fr}
  .two-col,.two-col-wide{grid-template-columns:1fr}
  .option-cards.cols-2,.option-cards.cols-3{grid-template-columns:1fr}
}
@media(max-width:768px){
  .header-top{display:none}
  .main-nav ul{
    display:none;flex-direction:column;
    position:absolute;top:100%;left:0;right:0;
    background:var(--white);box-shadow:var(--shadow-lg);
    padding:1rem;
  }
  .main-nav.open ul{display:flex}
  .nav-toggle{display:block}
  .info-bar .container{flex-direction:column;gap:1rem}
}

/* ---------- animations ---------- */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.fade-up{animation:fadeUp .6s ease both}
.fade-up-d1{animation-delay:.1s}
.fade-up-d2{animation-delay:.2s}
.fade-up-d3{animation-delay:.3s}