/* The Charlotte Marie Agency — TCF build */
:root{
  --navy:#162640;
  --navy-dark:#0E1A2E;
  --navy-mid:#1E3252;
  --gold:#C9A25A;
  --gold-dark:#AE8843;
  --cream:#F7F4EE;
  --white:#FFFFFF;
  --ink:#1E2A3C;
  --muted:#5A6A80;
  --line:#E4DFD5;
  --serif:Georgia,'Times New Roman',serif;
  --sans:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
h1,h2,h3,.wordmark{font-family:var(--serif);color:var(--navy);line-height:1.2}
h1{font-size:2.6rem}
h2{font-size:2rem}
h3{font-size:1.25rem}
p{margin:.6rem 0}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
section{padding:70px 0}
.kicker{display:inline-block;font-family:var(--sans);font-size:.8rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:.6rem}
.lead{font-size:1.12rem;color:var(--muted)}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:14px 30px;border-radius:6px;font-weight:700;font-size:1rem;cursor:pointer;border:0;transition:transform .15s,box-shadow .15s}
.btn-solid{background:linear-gradient(180deg,#D4AF6A 0%,var(--gold) 55%,var(--gold-dark) 100%);color:var(--navy-dark);text-shadow:0 1px 1px rgba(255,255,255,.25);box-shadow:0 2px 5px rgba(0,0,0,.28)}
.btn-solid:hover{transform:translateY(-1px);box-shadow:0 3px 7px rgba(0,0,0,.3)}
.btn-navy{background:linear-gradient(180deg,#22395E 0%,var(--navy) 55%,var(--navy-dark) 100%);color:var(--white);text-shadow:0 1px 2px rgba(0,0,0,.35);box-shadow:0 2px 5px rgba(0,0,0,.28)}
.btn-navy:hover{transform:translateY(-1px)}
.btn-ghost{background:transparent;border:2px solid var(--gold);color:var(--gold)}
.btn-ghost:hover{background:rgba(201,162,90,.12)}
.btn-ghost.on-light{border-color:var(--navy);color:var(--navy)}

/* ---------- Top strip + header ---------- */
.topstrip{background:var(--navy-dark);color:#C7D1E0;font-size:.86rem;padding:7px 0}
.topstrip .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px}
.topstrip a{color:var(--gold);font-weight:700}
.topstrip .tagline{letter-spacing:.04em}
header.site{background:var(--navy);position:sticky;top:0;z-index:60;box-shadow:0 2px 10px rgba(0,0,0,.25)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px}
.wordmark{color:var(--white);font-size:1.32rem;letter-spacing:.01em;line-height:1.15}
.wordmark .the{display:block;font-size:.62rem;letter-spacing:.34em;color:var(--gold);text-transform:uppercase;font-family:var(--sans);font-weight:700}
.nav > ul{display:flex;align-items:center;gap:26px;list-style:none}
.nav a{color:#DCE4F0;font-weight:600;font-size:.98rem}
.nav a:hover{color:var(--gold)}
.nav a.active{color:var(--gold)}
.nav a.nav-cta{background:linear-gradient(180deg,#D4AF6A 0%,var(--gold) 55%,var(--gold-dark) 100%);color:var(--navy-dark);padding:10px 22px;border-radius:6px;text-shadow:0 1px 1px rgba(255,255,255,.25);box-shadow:0 2px 5px rgba(0,0,0,.28)}
.nav a.nav-cta:hover{color:var(--navy-dark)}
.burger{display:none;background:none;border:0;cursor:pointer;width:40px;height:40px;position:relative}
.burger span{display:block;height:3px;background:var(--white);border-radius:2px;margin:7px 8px;transition:.25s}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1100px 500px at 75% -10%,var(--navy-mid) 0%,var(--navy) 55%,var(--navy-dark) 100%);color:var(--white);padding:96px 0 88px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(115deg,rgba(255,255,255,.025) 0 2px,transparent 2px 90px);pointer-events:none}
.hero .wrap{position:relative;z-index:1;max-width:880px;text-align:center}
.hero h1{color:var(--white);font-size:3rem;margin-bottom:.8rem}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{color:#C7D1E0;font-size:1.18rem;max-width:640px;margin:0 auto 1.8rem}
.hero-ctas{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.hero .trustline{margin-top:1.6rem;font-size:.92rem;color:#9FB0C8;letter-spacing:.03em}
.hero .rule{width:70px;height:3px;background:var(--gold);margin:0 auto 1.4rem}

/* hero with agent photo (home page) */
.hero .wrap.hero-grid{max-width:1120px;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;text-align:left}
.hero .wrap.hero-grid .rule{margin:0 0 1.4rem}
.hero .wrap.hero-grid p{margin:0 0 1.8rem}
.hero .wrap.hero-grid .hero-ctas{justify-content:flex-start}
.hero-photo{justify-self:center;max-width:370px;position:relative}
.hero-photo img{border-radius:14px;border:4px solid var(--gold);box-shadow:0 18px 44px rgba(0,0,0,.45)}
.hero-photo .badge{position:absolute;left:50%;transform:translateX(-50%);bottom:-20px;background:linear-gradient(180deg,#D4AF6A 0%,var(--gold) 55%,var(--gold-dark) 100%);color:var(--navy-dark);font-weight:800;padding:8px 22px;border-radius:8px;white-space:nowrap;box-shadow:0 2px 5px rgba(0,0,0,.28);font-size:.98rem;text-align:center;text-shadow:0 1px 1px rgba(255,255,255,.25)}
.hero-photo .badge span{display:block;font-weight:700;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase}

/* ---------- Bands & grids ---------- */
.band-cream{background:var(--cream)}
.band-navy{background:var(--navy);color:var(--white)}
.band-navy h2,.band-navy h3{color:var(--white)}
.band-navy p{color:#C7D1E0}
.center{text-align:center}
.grid{display:grid;gap:24px;margin-top:2.2rem}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:28px 24px;box-shadow:0 2px 8px rgba(22,38,64,.06)}
.card .icon{font-size:1.9rem;margin-bottom:.6rem}
.card h3{margin-bottom:.35rem}
.card p{font-size:.97rem;color:var(--muted);margin:0}
.band-navy .card{background:var(--navy-mid);border-color:#2A4166}
.band-navy .card p{color:#B7C4D8}

/* image-topped cards + slim callout */
.card.img-top{padding:0;overflow:hidden;text-align:left}
.card.img-top img{width:100%;aspect-ratio:9/5;object-fit:cover}
.card.img-top .card-body{padding:26px 26px 30px}
.callout{display:flex;align-items:center;justify-content:space-between;gap:22px;background:var(--white);border:1px solid var(--line);border-radius:10px;padding:24px 30px;margin-top:24px;text-align:left;flex-wrap:wrap;box-shadow:0 2px 8px rgba(22,38,64,.06)}
.callout .icon{font-size:1.9rem}
.callout h3{margin-bottom:.2rem}
.callout p{font-size:.97rem;color:var(--muted);margin:0}
.side-photo{border-radius:10px;overflow:hidden;margin-bottom:20px;box-shadow:0 10px 26px rgba(22,38,64,.16)}

/* two-column feature */
.feature{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;margin-top:2.4rem}
.feature .photo{border-radius:12px;overflow:hidden;box-shadow:0 12px 34px rgba(22,38,64,.22)}
.feature ul{list-style:none;margin-top:1rem}
.feature ul li{padding:.42rem 0 .42rem 1.9rem;position:relative}
.feature ul li::before{content:"\2713";position:absolute;left:0;top:.42rem;color:var(--gold-dark);font-weight:700}

/* steps */
.steps{counter-reset:step}
.steps .card{position:relative;padding-top:58px}
.steps .card::before{counter-increment:step;content:counter(step);position:absolute;top:18px;left:24px;width:34px;height:34px;border-radius:50%;background:var(--gold);color:var(--navy-dark);font-weight:800;display:flex;align-items:center;justify-content:center;font-family:var(--serif)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy-dark),var(--navy-mid));color:var(--white);text-align:center;padding:78px 0}
.cta-band h2{color:var(--white);margin-bottom:.5rem}
.cta-band p{color:#C7D1E0;margin-bottom:1.6rem}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-dark);color:#AEBBD0;padding:60px 0 0;font-size:.95rem}
footer.site .cols{display:grid;grid-template-columns:1.3fr 1fr 1.2fr;gap:44px;padding-bottom:44px}
footer.site h4{color:var(--white);font-family:var(--serif);font-size:1.05rem;margin-bottom:.9rem}
footer.site a{color:#AEBBD0}
footer.site a:hover{color:var(--gold)}
footer.site ul{list-style:none}
footer.site li{margin:.4rem 0}
footer.site .fwordmark{color:var(--white);font-family:var(--serif);font-size:1.2rem;margin-bottom:.5rem}
footer.site .bottombar{border-top:1px solid #24344E;padding:18px 0;font-size:.85rem;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}
footer.site .bottombar a{color:var(--gold)}

/* ---------- Quote funnel ---------- */
.quote-page{background:var(--cream);min-height:calc(100vh - 260px);padding:56px 0 90px}
.quote-shell{max-width:640px;margin:0 auto;padding:0 22px}
.quote-card{background:var(--white);border-radius:14px;box-shadow:0 10px 34px rgba(22,38,64,.12);padding:42px 40px;border-top:5px solid var(--gold)}
.progress{height:8px;background:var(--line);border-radius:6px;overflow:hidden;margin-bottom:2rem}
.progress i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-dark));border-radius:6px;transition:width .3s}
.q-title{font-family:var(--serif);font-size:1.5rem;color:var(--navy);margin-bottom:.35rem}
.q-sub{color:var(--muted);font-size:.95rem;margin-bottom:1.4rem}
.q-options{display:grid;gap:12px}
.q-options.two-col{grid-template-columns:1fr 1fr}
.opt{display:block;width:100%;text-align:left;padding:15px 18px;border:2px solid var(--line);border-radius:9px;background:var(--white);font-size:1rem;font-weight:600;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--gold)}
.opt.selected{border-color:var(--gold);background:#FBF6EC}
.q-input{width:100%;padding:14px 16px;border:2px solid var(--line);border-radius:9px;font-size:1.05rem;font-family:var(--sans);color:var(--ink)}
.q-input:focus{outline:none;border-color:var(--gold)}
.q-fields{display:grid;gap:14px}
.q-fields .row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.q-fields label{font-size:.85rem;font-weight:700;color:var(--navy);display:block;margin-bottom:.3rem}
.q-error{color:#B3261E;font-size:.9rem;margin-top:.7rem;display:none}
.q-nav{display:flex;justify-content:space-between;align-items:center;margin-top:1.8rem}
.q-back{background:none;border:0;color:var(--muted);font-size:.95rem;cursor:pointer;padding:8px 0}
.q-back:hover{color:var(--navy)}
.q-secure{text-align:center;color:var(--muted);font-size:.82rem;margin-top:1.3rem}
.q-done{text-align:center;padding:20px 0}
.q-done .icon{font-size:3rem;margin-bottom:.8rem}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;margin-top:2rem}
.info-card{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:30px}
.info-card .big-phone{font-family:var(--serif);font-size:1.8rem;color:var(--navy);font-weight:700;display:inline-block;margin:.3rem 0}

/* ---------- Mobile sticky call bar ---------- */
.sticky-call{display:none;position:fixed;bottom:0;left:0;right:0;z-index:80;background:var(--navy-dark);padding:10px 12px;gap:10px;box-shadow:0 -4px 14px rgba(0,0,0,.3)}
.sticky-call a{flex:1;text-align:center;padding:12px 8px;border-radius:8px;font-weight:800;font-size:.98rem}
.sticky-call .call{background:linear-gradient(180deg,#D4AF6A,var(--gold) 55%,var(--gold-dark));color:var(--navy-dark);text-shadow:0 1px 1px rgba(255,255,255,.25);box-shadow:0 2px 5px rgba(0,0,0,.28)}
.sticky-call .quote{background:transparent;border:2px solid var(--gold);color:var(--gold)}

/* ---------- Responsive ---------- */
@media(max-width:940px){
  .hero .wrap.hero-grid{gap:36px;grid-template-columns:1.1fr .9fr}
  .grid.cols-4{grid-template-columns:repeat(2,1fr)}
  .grid.cols-3{grid-template-columns:repeat(2,1fr)}
  .feature{grid-template-columns:1fr;gap:34px}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .hero h1{font-size:2.4rem}
}
@media(max-width:760px){
  section{padding:52px 0}
  h1{font-size:2rem}h2{font-size:1.6rem}
  .hero{padding:66px 0 62px}
  .hero h1{font-size:2.05rem}
  .topstrip .tagline{display:none}
  .topstrip .wrap{justify-content:center}
  .hero .wrap.hero-grid{grid-template-columns:1fr;text-align:center;gap:30px}
  .hero .wrap.hero-grid .rule{margin:0 auto 1.4rem}
  .hero .wrap.hero-grid .hero-ctas{justify-content:center}
  .hero-photo{max-width:250px;margin-bottom:16px}
  .grid.cols-2,.grid.cols-3,.grid.cols-4{grid-template-columns:1fr}
  .q-options.two-col{grid-template-columns:1fr}
  .quote-card{padding:30px 22px}
  .q-fields .row2{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  footer.site .cols{grid-template-columns:1fr}
  body{padding-bottom:64px}
  .sticky-call{display:flex}
  .hero .btn-call-desktop{display:none}
  .burger{display:block}
  .nav{position:fixed;top:0;right:-290px;width:280px;height:100vh;background:var(--navy-dark);padding:86px 28px 28px;transition:right .28s;box-shadow:-6px 0 24px rgba(0,0,0,.4);z-index:70}
  .nav.open{right:0}
  .nav > ul{flex-direction:column;align-items:flex-start;gap:20px}
  .nav a{font-size:1.08rem}
  .burger.open span:nth-child(1){transform:translateY(10px) rotate(45deg)}
  .burger.open span:nth-child(2){opacity:0}
  .burger.open span:nth-child(3){transform:translateY(-10px) rotate(-45deg)}
}