/* ===================================================================
   PEAK INSURANCE PARTNERS — Main Stylesheet
   Aesthetic: refined, institutional, trust-forward.
   Deep evergreen + gold on warm off-white. Serif display / clean sans body.
=================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Outfit:wght@300;400;500;600;700&display=swap');

:root {
  --green-900: #082A1F;
  --green-800: #0B3D2E;
  --green-700: #12513D;
  --green-600: #1A6B4F;
  --green-300: #9FD8C2;
  --green-50:  #EEF5F1;
  --gold:      #C9A24B;
  --gold-dark: #A8842F;
  --ink:       #1B2620;
  --slate:     #3A4A44;
  --muted:     #6B7B74;
  --cream:     #FAF8F3;
  --cream-2:   #F2EEE4;
  --white:     #FFFFFF;
  --line:      #E2DCCF;
  --shadow-sm: 0 1px 3px rgba(8,42,31,.08);
  --shadow-md: 0 8px 30px rgba(8,42,31,.10);
  --shadow-lg: 0 24px 60px rgba(8,42,31,.16);
  --display: 'Fraunces', Georgia, serif;
  --body: 'Outfit', system-ui, sans-serif;
  --maxw: 1200px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4 { font-family: var(--display); font-weight: 600; line-height: 1.1; color: var(--green-800); letter-spacing: -0.01em; }

a { color: var(--green-700); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--gold-dark); }

img, svg { max-width: 100%; display: block; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

.eyebrow {
  font-family: var(--body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 16px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--body); font-weight: 600; font-size: 16px;
  padding: 15px 30px; border-radius: 4px; cursor: pointer;
  border: 1.5px solid transparent; transition: all .25s ease; white-space: nowrap;
}
.btn-primary { background: var(--gold); color: var(--green-900); }
.btn-primary:hover { background: var(--gold-dark); color: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.4); }
.btn-ghost:hover { background: rgba(255,255,255,.12); color: var(--white); border-color: var(--white); }
.btn-dark { background: var(--green-800); color: var(--white); }
.btn-dark:hover { background: var(--green-900); color: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-lg { padding: 18px 38px; font-size: 17px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(250,248,243,.88); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.header-logo img { height: 46px; width: auto; }
.nav { display: flex; align-items: center; gap: 34px; }
.nav-links { display: flex; gap: 30px; list-style: none; }
.nav-links a { font-weight: 500; font-size: 15.5px; color: var(--slate); position: relative; }
.nav-links a::after { content:''; position:absolute; left:0; bottom:-6px; width:0; height:2px; background: var(--gold); transition: width .25s ease; }
.nav-links a:hover { color: var(--green-800); }
.nav-links a:hover::after { width: 100%; }
.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-phone { font-weight: 600; color: var(--green-800); font-size: 15.5px; }
.menu-toggle { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 8px; }
.menu-toggle span { width: 26px; height: 2px; background: var(--green-800); transition: .3s; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    linear-gradient(140deg, rgba(8,42,31,.94) 0%, rgba(11,61,46,.86) 45%, rgba(18,81,61,.78) 100%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='1400' height='900'%3E%3Crect fill='%230B3D2E' width='1400' height='900'/%3E%3C/svg%3E");
  background-size: cover; background-position: center;
  color: var(--white);
  overflow: hidden;
}
.hero::before {
  content:''; position:absolute; inset:0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.06) 1px, transparent 0);
  background-size: 32px 32px; opacity:.5;
}
.hero-peaks { position:absolute; bottom:0; left:0; width:100%; height:auto; opacity:.13; z-index:0; }
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; padding: 84px 0 92px; }
.hero h1 { color: var(--white); font-size: clamp(40px, 5.2vw, 66px); font-weight: 600; letter-spacing: -0.02em; }
.hero h1 .accent { color: var(--gold); font-style: italic; font-weight: 500; }
.hero-sub { font-size: 19px; color: rgba(255,255,255,.82); margin: 24px 0 34px; max-width: 540px; font-weight: 300; }
.hero-cta-row { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 44px; }
.hero-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; border-top: 1px solid rgba(255,255,255,.18); padding-top: 28px; max-width: 620px; }
.stat .num { font-family: var(--display); font-size: 30px; font-weight: 600; color: var(--gold); line-height: 1; }
.stat .lbl { font-size: 12.5px; color: rgba(255,255,255,.72); margin-top: 8px; letter-spacing: .02em; }

/* ---------- Quote form card ---------- */
.quote-card { background: var(--white); border-radius: 10px; box-shadow: var(--shadow-lg); padding: 32px; position: relative; z-index: 2; }
.quote-card h3 { font-size: 23px; margin-bottom: 4px; }
.quote-card .sub { font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: 13px; font-weight: 600; color: var(--slate); margin-bottom: 6px; }
.field label .req { color: var(--gold-dark); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 6px;
  font-family: var(--body); font-size: 15px; color: var(--ink); background: var(--cream); transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--green-600); box-shadow: 0 0 0 3px rgba(26,107,79,.12); background: var(--white);
}
.field textarea { resize: vertical; min-height: 70px; }
.consent { display: flex; gap: 10px; align-items: flex-start; margin: 6px 0 18px; }
.consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--green-700); flex-shrink: 0; }
.consent label { font-size: 12px; color: var(--muted); line-height: 1.5; }
.form-note { font-size: 12px; color: var(--muted); text-align: center; margin-top: 12px; }
.form-msg { padding: 13px 16px; border-radius: 6px; font-size: 14.5px; font-weight: 500; margin-bottom: 16px; display: none; }
.form-msg.success { background: var(--green-50); color: var(--green-700); border: 1px solid var(--green-300); display: block; }
.form-msg.error { background: #FBEBEB; color: #9B2C2C; border: 1px solid #F0C2C2; display: block; }
.btn-block { width: 100%; justify-content: center; }

/* ---------- Section scaffolding ---------- */
.section { padding: 92px 0; }
.section-head { max-width: 720px; margin-bottom: 54px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(30px, 3.6vw, 44px); }
.section-head p { font-size: 18px; color: var(--slate); margin-top: 16px; font-weight: 300; }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--green-900); color: rgba(255,255,255,.8); padding: 22px 0; }
.trustbar .container { display: flex; align-items: center; justify-content: center; gap: 46px; flex-wrap: wrap; }
.trustbar span { font-size: 14px; letter-spacing: .04em; display: flex; align-items: center; gap: 10px; }
.trustbar svg { flex-shrink: 0; }

/* ---------- Value pillars ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.pillar { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 36px 30px; transition: transform .3s ease, box-shadow .3s ease; }
.pillar:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--green-300); }
.pillar-icon { width: 56px; height: 56px; border-radius: 12px; background: var(--green-50); display: flex; align-items: center; justify-content: center; margin-bottom: 22px; }
.pillar h3 { font-size: 22px; margin-bottom: 12px; }
.pillar p { color: var(--slate); font-size: 15.5px; }

/* ---------- Coverage grid ---------- */
.coverage { background: var(--cream-2); }
.coverage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.cov-card { background: var(--white); border-radius: 9px; padding: 28px 24px; border: 1px solid var(--line); transition: all .3s ease; }
.cov-card:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); transform: translateY(-4px); }
.cov-card .ci { width: 40px; height: 40px; margin-bottom: 16px; color: var(--green-600); }
.cov-card h4 { font-size: 17.5px; margin-bottom: 8px; color: var(--green-800); }
.cov-card p { font-size: 14px; color: var(--muted); }

/* ---------- Audience / who we serve ---------- */
.serve-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: var(--white); }
.serve-item { padding: 38px 28px; border-right: 1px solid var(--line); transition: background .3s ease; }
.serve-item:last-child { border-right: none; }
.serve-item:hover { background: var(--green-50); }
.serve-num { font-family: var(--display); font-size: 15px; color: var(--gold-dark); font-weight: 600; }
.serve-item h4 { font-size: 19px; margin: 14px 0 10px; }
.serve-item p { font-size: 14.5px; color: var(--slate); }

/* ---------- Lender / split feature ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-visual { background: linear-gradient(150deg, var(--green-800), var(--green-600)); border-radius: 14px; padding: 50px; color: var(--white); position: relative; overflow: hidden; min-height: 380px; display: flex; flex-direction: column; justify-content: center; }
.split-visual::after { content:''; position:absolute; right:-60px; bottom:-60px; width:240px; height:240px; border-radius:50%; background: rgba(201,162,75,.18); }
.split-visual h3 { color: var(--white); font-size: 26px; margin-bottom: 18px; position: relative; }
.split-visual ul { list-style: none; position: relative; }
.split-visual li { padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.14); font-size: 15.5px; color: rgba(255,255,255,.9); display: flex; gap: 12px; align-items: flex-start; }
.split-visual li::before { content:'▸'; color: var(--gold); font-size: 16px; }
.split-text h2 { font-size: clamp(28px, 3.4vw, 40px); margin-bottom: 20px; }
.split-text p { font-size: 17px; color: var(--slate); margin-bottom: 18px; font-weight: 300; }
.checklist { list-style: none; margin-top: 24px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 14px; font-size: 15.5px; color: var(--ink); }
.checklist svg { flex-shrink: 0; margin-top: 3px; color: var(--green-600); }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--green-900); color: var(--white); }
.testimonials .section-head h2 { color: var(--white); }
.test-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.test-card { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 36px; }
.test-stars { color: var(--gold); font-size: 18px; letter-spacing: 3px; margin-bottom: 18px; }
.test-quote { font-family: var(--display); font-size: 19px; font-style: italic; line-height: 1.5; color: rgba(255,255,255,.94); margin-bottom: 22px; }
.test-author { font-weight: 600; font-size: 15px; }
.test-role { font-size: 13.5px; color: rgba(255,255,255,.6); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: none; cursor: pointer; padding: 26px 0; display: flex; justify-content: space-between; align-items: center; gap: 20px; font-family: var(--display); font-size: 20px; font-weight: 600; color: var(--green-800); }
.faq-q .icon { flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--gold); color: var(--gold-dark); display: flex; align-items: center; justify-content: center; font-size: 18px; transition: transform .3s ease; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); background: var(--gold); color: var(--white); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a p { padding: 0 0 26px; color: var(--slate); font-size: 16px; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(135deg, var(--green-800), var(--green-600)); color: var(--white); text-align: center; padding: 80px 0; position: relative; overflow: hidden; }
.cta-band::before { content:''; position:absolute; inset:0; background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.07) 1px, transparent 0); background-size: 28px 28px; }
.cta-band h2 { color: var(--white); font-size: clamp(30px, 3.8vw, 46px); position: relative; }
.cta-band p { font-size: 19px; color: rgba(255,255,255,.85); margin: 18px auto 34px; max-width: 600px; position: relative; font-weight: 300; }

/* ---------- Footer ---------- */
.site-footer { background: var(--green-900); color: rgba(255,255,255,.7); padding: 70px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 50px; }
.footer-logo img { height: 50px; margin-bottom: 20px; }
.footer-about { font-size: 14.5px; line-height: 1.7; max-width: 320px; }
.footer-col h5 { color: var(--white); font-family: var(--body); font-size: 13px; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { color: rgba(255,255,255,.7); font-size: 14.5px; }
.footer-col a:hover { color: var(--gold); }
.footer-contact-item { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 14px; font-size: 14.5px; }
.footer-contact-item svg { flex-shrink: 0; margin-top: 2px; color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-top: 26px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; font-size: 13px; color: rgba(255,255,255,.5); }
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-disclaimer { font-size: 12px; color: rgba(255,255,255,.4); margin-top: 20px; line-height: 1.6; max-width: 900px; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; padding: 56px 0 64px; }
  .hero-stats { max-width: none; }
  .pillars, .coverage-grid, .serve-grid, .test-grid { grid-template-columns: repeat(2, 1fr); }
  .serve-item { border-right: none; border-bottom: 1px solid var(--line); }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .nav-links, .nav-phone { display: none; }
  .menu-toggle { display: flex; }
  .nav.open .nav-links { display: flex; position: absolute; top: 78px; left: 0; right: 0; flex-direction: column; background: var(--cream); padding: 20px 24px; gap: 18px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); }
  .hero-stats { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .coverage-grid, .pillars, .serve-grid, .test-grid, .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .trustbar .container { gap: 20px; }
}