/* ==========================================================================
   Plan Marketing Insurance Agency — Design System
   Palette: Primary Orange #FF5001 / Off White #EFEFEF / Warm Gray #B3AEA8 /
            Slate Gray #646368 / Charcoal Black #231F20
   Type: Poppins (display) / Inter (body)
   ========================================================================== */

:root{
  --orange:#FF5001;
  --orange-dark:#D94300;
  --off-white:#EFEFEF;
  --warm-gray:#B3AEA8;
  --slate:#646368;
  --charcoal:#231F20;
  --white:#FFFFFF;

  --bg:#FFFFFF;
  --bg-alt:#F7F6F5;
  --border:#E3E1DE;

  --font-display:'Poppins', Georgia, serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-sm:8px;
  --radius-md:14px;
  --radius-lg:24px;
  --radius-pill:999px;

  --shadow-sm: 0 1px 3px rgba(35,31,32,0.06), 0 1px 2px rgba(35,31,32,0.08);
  --shadow-md: 0 10px 30px -12px rgba(35,31,32,0.18);
  --shadow-lg: 0 24px 60px -20px rgba(35,31,32,0.28);

  --container: 1180px;
  --gutter: clamp(20px, 5vw, 64px);

  --ease: cubic-bezier(.22,1,.36,1);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{ animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important; scroll-behavior:auto !important; }
}

body{
  margin:0;
  font-family:var(--font-body);
  color:var(--charcoal);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  font-size:16px;
}

img{ max-width:100%; display:block; height:auto; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }
input,textarea,select{ font-family:inherit; font-size:1rem; }

h1,h2,h3,h4,h5,h6{
  font-family:var(--font-display);
  color:var(--charcoal);
  line-height:1.18;
  margin:0 0 .5em;
  font-weight:600;
  letter-spacing:-0.01em;
}
h1{ font-size:clamp(2.25rem, 4.4vw, 3.6rem); font-weight:700; letter-spacing:-0.02em; }
h2{ font-size:clamp(1.75rem, 3vw, 2.5rem); }
h3{ font-size:clamp(1.25rem, 2vw, 1.55rem); }
p{ margin:0 0 1em; color:var(--slate); }

.container{ max-width:var(--container); margin:0 auto; padding-left:var(--gutter); padding-right:var(--gutter); }

/* Skip link */
.skip-link{
  position:absolute; left:-9999px; top:0; background:var(--charcoal); color:#fff;
  padding:14px 22px; z-index:2000; border-radius:0 0 8px 0; font-weight:600;
}
.skip-link:focus{ left:0; }

:focus-visible{ outline:3px solid var(--orange); outline-offset:3px; }

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-display); font-weight:600; font-size:.78rem;
  letter-spacing:.14em; text-transform:uppercase; color:var(--orange-dark);
  margin-bottom:14px;
}
.eyebrow::before{ content:''; width:22px; height:2px; background:var(--orange); display:inline-block; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:15px 30px; border-radius:var(--radius-pill); font-weight:600;
  font-family:var(--font-body); font-size:.98rem; border:2px solid transparent;
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  white-space:nowrap;
}
.btn-primary{ background:var(--orange); color:#fff; box-shadow:0 10px 24px -10px rgba(255,80,1,0.55); }
.btn-primary:hover{ background:var(--orange-dark); transform:translateY(-2px); box-shadow:0 16px 30px -12px rgba(255,80,1,0.6); }
.btn-outline{ background:transparent; color:var(--charcoal); border-color:var(--charcoal); }
.btn-outline:hover{ background:var(--charcoal); color:#fff; transform:translateY(-2px); }
.btn-light{ background:#fff; color:var(--charcoal); }
.btn-light:hover{ background:var(--off-white); transform:translateY(-2px); }
.btn-sm{ padding:11px 22px; font-size:.88rem; }
.btn-block{ width:100%; }

/* ---------- Header / Nav ---------- */
.site-header{
  position:sticky; top:0; z-index:1000; background:rgba(255,255,255,0.92);
  backdrop-filter:saturate(180%) blur(14px); -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--border);
}
.nav-wrap{ display:flex; align-items:center; justify-content:space-between; padding:16px var(--gutter); max-width:var(--container); margin:0 auto; gap:24px; }
.brand{ display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:700; font-size:1.15rem; color:var(--charcoal); }
.brand .brand-mark{ width:40px; height:40px; flex-shrink:0; filter:drop-shadow(0 2px 4px rgba(217,67,0,0.25)); }
.brand small{ display:block; font-family:var(--font-body); font-weight:500; font-size:.68rem; color:var(--slate); letter-spacing:.03em; }

.main-nav{ display:flex; align-items:center; }
.main-nav ul{ display:flex; align-items:center; gap:2px; list-style:none; padding:0; margin:0; }
.main-nav a{ padding:10px 16px; border-radius:var(--radius-pill); font-weight:500; font-size:.94rem; color:var(--charcoal); position:relative; transition:background .2s var(--ease), color .2s var(--ease); }
.main-nav a:hover, .main-nav a:focus-visible{ background:var(--off-white); color:var(--orange-dark); }
.main-nav a[aria-current="page"]{ color:var(--orange-dark); background:#FFF1EA; }

.nav-actions{ display:flex; align-items:center; gap:14px; }
.nav-toggle{ display:none; background:none; border:none; padding:8px; }
.nav-toggle span{ display:block; width:24px; height:2px; background:var(--charcoal); margin:5px 0; transition:transform .3s var(--ease), opacity .3s var(--ease); }

@media (max-width:960px){
  .main-nav{
    position:fixed; inset:72px 0 0 0; background:#fff; align-items:stretch;
    padding:16px var(--gutter) 40px; transform:translateY(-12px); opacity:0; pointer-events:none;
    transition:opacity .25s var(--ease), transform .25s var(--ease); overflow-y:auto;
  }
  .main-nav ul{ flex-direction:column; align-items:stretch; gap:4px; }
  .main-nav.open{ transform:translateY(0); opacity:1; pointer-events:auto; }
  .main-nav a{ padding:14px 12px; border-bottom:1px solid var(--border); border-radius:0; display:block; }
  .nav-toggle{ display:block; }
  .nav-actions .btn-primary{ display:none; }
  .nav-actions.mobile-cta .btn-primary{ display:inline-flex; }
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs{ background:var(--bg-alt); border-bottom:1px solid var(--border); }
.breadcrumbs ol{ display:flex; flex-wrap:wrap; align-items:center; gap:8px; padding:12px var(--gutter); max-width:var(--container); margin:0 auto; font-size:.86rem; color:var(--slate); }
.breadcrumbs a{ color:var(--slate); }
.breadcrumbs a:hover{ color:var(--orange-dark); }
.breadcrumbs li:not(:last-child)::after{ content:'/'; margin-left:8px; color:var(--warm-gray); }
.breadcrumbs li[aria-current]{ color:var(--charcoal); font-weight:600; }

/* ---------- Hero ---------- */
.hero{ position:relative; overflow:hidden; background:var(--bg-alt); }
.hero-grid{ display:grid; grid-template-columns:1.05fr .95fr; gap:56px; align-items:center; padding:76px var(--gutter) 90px; max-width:var(--container); margin:0 auto; }
.hero p.lead{ font-size:1.15rem; max-width:52ch; }
.hero-cta-row{ display:flex; gap:14px; flex-wrap:wrap; margin-top:30px; }
.hero-media{ position:relative; }
.hero-media img{ border-radius:var(--radius-lg); box-shadow:var(--shadow-lg); width:100%; aspect-ratio:4/5; object-fit:cover; }
.hero-card{
  position:absolute; left:-30px; bottom:-26px; background:#fff; border-radius:var(--radius-md);
  box-shadow:var(--shadow-md); padding:20px 22px; display:flex; align-items:center; gap:14px; max-width:280px;
}
.hero-card .icon{ width:46px; height:46px; border-radius:12px; background:#FFF1EA; color:var(--orange); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.hero-card strong{ display:block; font-family:var(--font-display); font-size:1.05rem; }
.hero-card span{ font-size:.85rem; color:var(--slate); }
@media (max-width:900px){
  .hero-grid{ grid-template-columns:1fr; padding-top:48px; }
  .hero-media{ order:-1; }
  .hero-card{ left:16px; bottom:-20px; }
}

/* Page header (inner pages) */
.page-header{ background:var(--charcoal); color:#fff; padding:64px var(--gutter) 72px; }
.page-header .container{ padding:0; }
.page-header .eyebrow{ color:#FFB68A; }
.page-header h1{ color:#fff; margin-bottom:14px; }
.page-header p{ color:#D8D6D4; max-width:62ch; font-size:1.08rem; }

/* ---------- Stats ---------- */
.stats-strip{ background:var(--charcoal); color:#fff; padding:44px var(--gutter); }
.stats-grid{ max-width:var(--container); margin:0 auto; display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center; }
.stat-num{ font-family:var(--font-display); font-size:clamp(1.8rem,3vw,2.6rem); font-weight:700; color:var(--orange); }
.stat-label{ font-size:.86rem; color:#C9C7C5; letter-spacing:.02em; margin-top:4px; }
@media (max-width:760px){ .stats-grid{ grid-template-columns:repeat(2,1fr); } }

/* ---------- Sections ---------- */
.section{ padding:90px var(--gutter); }
.section.tight{ padding:64px var(--gutter); }
.section-inner{ max-width:var(--container); margin:0 auto; }
.section-head{ max-width:680px; margin:0 auto 52px; text-align:center; }
.section-head.left{ margin-left:0; text-align:left; }
.bg-alt{ background:var(--bg-alt); }
.bg-charcoal{ background:var(--charcoal); color:#fff; }
.bg-charcoal h2, .bg-charcoal h3{ color:#fff; }
.bg-charcoal p{ color:#C9C7C5; }

/* ---------- Grids & Cards ---------- */
.grid{ display:grid; gap:28px; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width:960px){ .grid-3,.grid-4{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:640px){ .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; } }

.card{
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-md);
  padding:32px 28px; box-shadow:var(--shadow-sm); transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
}
.card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-md); border-color:transparent; }
.card .icon{ width:52px; height:52px; border-radius:14px; background:#FFF1EA; color:var(--orange); display:flex; align-items:center; justify-content:center; margin-bottom:20px; }
.card h3{ margin-bottom:10px; }
.card p{ margin-bottom:14px; }
.card a.card-link{ font-weight:600; color:var(--orange-dark); display:inline-flex; align-items:center; gap:6px; }
.card a.card-link .arrow{ transition:transform .25s var(--ease); }
.card a.card-link:hover .arrow{ transform:translateX(4px); }

.img-card{ border-radius:var(--radius-md); overflow:hidden; box-shadow:var(--shadow-sm); background:#fff; border:1px solid var(--border); }
.img-card img{ aspect-ratio:16/10; object-fit:cover; }
.img-card .img-card-body{ padding:26px; }

/* ---------- Process ---------- */
.process-list{ counter-reset:step; display:grid; grid-template-columns:repeat(4,1fr); gap:26px; }
.process-item{ position:relative; padding-top:8px; }
.process-item .step-num{ font-family:var(--font-display); font-size:2.4rem; font-weight:700; color:transparent; -webkit-text-stroke:1.5px var(--warm-gray); margin-bottom:10px; display:block; }
@media (max-width:900px){ .process-list{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .process-list{ grid-template-columns:1fr; } }

/* ---------- Split / Why us ---------- */
.split{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.split img{ border-radius:var(--radius-lg); box-shadow:var(--shadow-md); width:100%; aspect-ratio:4/3; object-fit:cover; }
.check-list li{ display:flex; gap:12px; padding:10px 0; align-items:flex-start; }
.check-list .chk{ width:24px; height:24px; border-radius:50%; background:#FFF1EA; color:var(--orange); flex-shrink:0; display:flex; align-items:center; justify-content:center; margin-top:2px; }
@media (max-width:900px){ .split{ grid-template-columns:1fr; gap:32px; } }

/* ---------- Testimonials ---------- */
.testimonial-card{ background:#fff; border:1px solid var(--border); border-radius:var(--radius-md); padding:30px; box-shadow:var(--shadow-sm); }
.testimonial-card .stars{ color:var(--orange); letter-spacing:2px; margin-bottom:14px; }
.testimonial-card blockquote{ margin:0 0 20px; font-style:italic; color:var(--charcoal); }
.testi-person{ display:flex; align-items:center; gap:12px; }
.testi-person img{ width:46px; height:46px; border-radius:50%; object-fit:cover; }
.testi-person strong{ display:block; font-size:.94rem; }
.testi-person span{ font-size:.82rem; color:var(--slate); }

/* ---------- FAQ ---------- */
.accordion{ max-width:820px; margin:0 auto; }
.accordion-item{ border-bottom:1px solid var(--border); }
.accordion-trigger{
  width:100%; text-align:left; background:none; border:none; padding:22px 4px; display:flex; align-items:center;
  justify-content:space-between; gap:20px; font-family:var(--font-display); font-weight:600; font-size:1.02rem; color:var(--charcoal);
}
.accordion-trigger .plus{ width:26px; height:26px; border-radius:50%; border:1.5px solid var(--warm-gray); position:relative; flex-shrink:0; transition:transform .3s var(--ease), border-color .3s var(--ease); }
.accordion-trigger .plus::before,.accordion-trigger .plus::after{ content:''; position:absolute; background:var(--charcoal); top:50%; left:50%; transform:translate(-50%,-50%); transition:opacity .25s var(--ease); }
.accordion-trigger .plus::before{ width:10px; height:1.5px; }
.accordion-trigger .plus::after{ width:1.5px; height:10px; }
.accordion-trigger[aria-expanded="true"] .plus{ transform:rotate(45deg); border-color:var(--orange); }
.accordion-panel{ max-height:0; overflow:hidden; transition:max-height .35s var(--ease); }
.accordion-panel p{ padding:0 30px 22px 4px; }

/* ---------- CTA banner ---------- */
.cta-banner{ background:linear-gradient(135deg, var(--orange), var(--orange-dark)); border-radius:var(--radius-lg); padding:56px var(--gutter); display:flex; align-items:center; justify-content:space-between; gap:30px; flex-wrap:wrap; color:#fff; }
.cta-banner h2{ color:#fff; margin-bottom:6px; }
.cta-banner p{ color:#FFE3D3; margin:0; }

/* ---------- Contact / Map ---------- */
.contact-grid{ display:grid; grid-template-columns:1fr 1fr; gap:56px; }
.map-placeholder{ border-radius:var(--radius-md); overflow:hidden; border:1px solid var(--border); aspect-ratio:16/10; background:var(--bg-alt) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="600" height="380"><rect width="600" height="380" fill="%23F7F6F5"/><g stroke="%23E3E1DE" stroke-width="1"><line x1="0" y1="63" x2="600" y2="63"/><line x1="0" y1="126" x2="600" y2="126"/><line x1="0" y1="189" x2="600" y2="189"/><line x1="0" y1="252" x2="600" y2="252"/><line x1="0" y1="315" x2="600" y2="315"/><line x1="100" y1="0" x2="100" y2="380"/><line x1="200" y1="0" x2="200" y2="380"/><line x1="300" y1="0" x2="300" y2="380"/><line x1="400" y1="0" x2="400" y2="380"/><line x1="500" y1="0" x2="500" y2="380"/></g></svg>') center/cover; display:flex; align-items:center; justify-content:center; position:relative; }
.map-placeholder .pin{ width:52px; height:52px; border-radius:50% 50% 50% 0; background:var(--orange); transform:rotate(-45deg); box-shadow:var(--shadow-md); display:flex; align-items:center; justify-content:center; }
.map-placeholder .pin span{ transform:rotate(45deg); color:#fff; font-size:1.3rem; }
.office-hours{ margin-top:24px; }
.office-hours li{ display:flex; justify-content:space-between; padding:9px 0; border-bottom:1px dashed var(--border); font-size:.92rem; }
.office-hours li span:last-child{ color:var(--charcoal); font-weight:600; }

form.contact-form{ display:grid; gap:18px; }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media (max-width:600px){ .form-row{ grid-template-columns:1fr; } .contact-grid{ grid-template-columns:1fr; } }
.field label{ display:block; font-weight:600; font-size:.88rem; margin-bottom:7px; }
.field .req{ color:var(--orange); }
.field input,.field select,.field textarea{
  width:100%; padding:13px 16px; border:1.5px solid var(--border); border-radius:var(--radius-sm);
  background:#fff; transition:border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus,.field select:focus,.field textarea:focus{ border-color:var(--orange); box-shadow:0 0 0 4px rgba(255,80,1,0.12); outline:none; }
.field .error-msg{ color:#C22; font-size:.82rem; margin-top:6px; display:none; }
.field.invalid input,.field.invalid select,.field.invalid textarea{ border-color:#C22; }
.field.invalid .error-msg{ display:block; }
.checkbox-field{ display:flex; align-items:flex-start; gap:10px; font-size:.88rem; color:var(--slate); }
.checkbox-field input{ width:18px; height:18px; margin-top:2px; accent-color:var(--orange); }
.form-success{ display:none; background:#EAF6EC; border:1px solid #B9E3BE; color:#1E6B2E; padding:18px 20px; border-radius:var(--radius-sm); font-weight:600; }
.form-success.show{ display:block; }

/* ---------- Newsletter ---------- */
.newsletter{ background:var(--off-white); border-radius:var(--radius-lg); padding:44px var(--gutter); display:flex; align-items:center; justify-content:space-between; gap:24px; flex-wrap:wrap; }
.newsletter form{ display:flex; gap:10px; flex-wrap:wrap; }
.newsletter input[type="email"]{ padding:13px 18px; border-radius:var(--radius-pill); border:1.5px solid var(--border); min-width:260px; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--charcoal); color:#C9C7C5; padding:72px var(--gutter) 30px; }
.footer-grid{ max-width:var(--container); margin:0 auto; display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:44px; border-bottom:1px solid #3A3536; }
.footer-brand .brand{ color:#fff; margin-bottom:14px; }
.footer-grid h4{ color:#fff; font-size:.86rem; letter-spacing:.06em; text-transform:uppercase; margin-bottom:18px; }
.footer-grid li{ margin-bottom:11px; font-size:.92rem; }
.footer-grid a:hover{ color:var(--orange); }
.footer-social{ display:flex; gap:10px; margin-top:20px; }
.footer-social a{ width:38px; height:38px; border-radius:50%; border:1px solid #4A4546; display:flex; align-items:center; justify-content:center; transition:background .2s var(--ease), border-color .2s var(--ease); }
.footer-social a:hover{ background:var(--orange); border-color:var(--orange); color:#fff; }
.footer-bottom{ max-width:var(--container); margin:0 auto; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; padding-top:26px; font-size:.82rem; color:#9A9694; }
.footer-bottom a{ color:#9A9694; }
.footer-bottom a:hover{ color:var(--orange); }
@media (max-width:900px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .footer-grid{ grid-template-columns:1fr; } }

/* ---------- Back to top ---------- */
.back-to-top{
  position:fixed; right:24px; bottom:24px; width:48px; height:48px; border-radius:50%; background:var(--charcoal);
  color:#fff; border:none; display:flex; align-items:center; justify-content:center; box-shadow:var(--shadow-md);
  opacity:0; pointer-events:none; transform:translateY(10px); transition:opacity .3s var(--ease), transform .3s var(--ease), background .2s var(--ease);
  z-index:900;
}
.back-to-top.visible{ opacity:1; pointer-events:auto; transform:translateY(0); }
.back-to-top:hover{ background:var(--orange); }

/* ---------- Scroll reveal ---------- */
.reveal{ opacity:0; transform:translateY(22px); transition:opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in-view{ opacity:1; transform:translateY(0); }

/* ---------- Misc content pages (legal) ---------- */
.legal-content{ max-width:820px; margin:0 auto; }
.legal-content h2{ margin-top:2.2em; }
.legal-content ul{ list-style:disc; padding-left:22px; margin-bottom:1em; }
.legal-content li{ margin-bottom:.5em; color:var(--slate); }
.legal-updated{ color:var(--warm-gray); font-size:.86rem; margin-bottom:2.4em; }

/* ---------- Sitemap page ---------- */
.sitemap-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:40px; }
.sitemap-grid h3{ margin-bottom:14px; }
.sitemap-grid li{ margin-bottom:10px; }
.sitemap-grid a{ color:var(--slate); }
.sitemap-grid a:hover{ color:var(--orange-dark); }
@media (max-width:760px){ .sitemap-grid{ grid-template-columns:1fr; } }

/* ---------- 404 ---------- */
.error-page{ text-align:center; padding:120px var(--gutter); }
.error-code{ font-family:var(--font-display); font-size:clamp(4rem,14vw,8rem); font-weight:700; color:var(--off-white); -webkit-text-stroke:2px var(--warm-gray); line-height:1; margin-bottom:10px; }

/* ---------- Utility ---------- */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }
.small{ font-size:.86rem; }
.tag{ display:inline-block; padding:5px 12px; border-radius:var(--radius-pill); background:#FFF1EA; color:var(--orange-dark); font-size:.76rem; font-weight:600; letter-spacing:.03em; }