/* ==========================================================================
   Honorbrook Insurance — shared site stylesheet (Heritage edition)
   Upload to:  /assets/style.css
   Headings: Playfair Display · Body: Georgia · UI: Source Sans 3
   ========================================================================== */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;600;700&family=Source+Sans+3:wght@400;500;600;700&display=swap');

:root{
  --navy:#1b2f4b; --navy-d:#142339; --gold:#c9a227; --gold-l:#e3c25c; --gold-d:#a8851a;
  --cream:#faf7f0; --cream-d:#f3eee1; --ink:#2a2a2a; --muted:#5d6b7d; --white:#ffffff; --green:#2e7d4f;
  --line:#e7e0cf;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--cream);font-size:18.5px;line-height:1.7}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;color:var(--navy);line-height:1.18;font-weight:700;letter-spacing:.2px}
.sans{font-family:'Source Sans 3','Segoe UI',Helvetica,Arial,sans-serif}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
a{color:var(--navy)}

/* ---------- top bar + header + nav ---------- */
.topbar{background:var(--navy-d);color:#d8dee8;padding:9px 0;font-size:14.5px;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.3px}
.topbar .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
.topbar a{color:var(--gold-l);text-decoration:none;font-weight:700}
header{background:var(--white);border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(20,35,57,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{display:flex;align-items:center;gap:13px;text-decoration:none}
.logo img{height:50px;width:auto;display:block}
.logo-text{font-family:'Playfair Display',Georgia,serif;font-size:25px;font-weight:700;color:var(--navy);letter-spacing:.6px;line-height:1}
.logo-text span{color:var(--gold)}
.logo-text small{display:block;font-family:'Source Sans 3',Arial,sans-serif;font-size:10.5px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--muted);margin-top:4px}
nav.menu{display:flex;gap:26px;font-family:'Source Sans 3',Arial,sans-serif}
nav.menu a{color:var(--navy);text-decoration:none;font-size:16px;font-weight:600;letter-spacing:.3px;position:relative;padding-bottom:3px}
nav.menu a::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold);transform:scaleX(0);transition:transform .2s;transform-origin:center}
nav.menu a:hover{color:var(--gold-d)}
nav.menu a:hover::after{transform:scaleX(1)}
.cta-btn{background:var(--gold);color:var(--navy-d);padding:11px 22px;border-radius:4px;text-decoration:none;font-weight:700;font-size:15.5px;white-space:nowrap;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.5px;border:1px solid var(--gold-d);box-shadow:0 2px 8px rgba(201,162,39,.25)}
.cta-btn:hover{background:var(--gold-l)}
.aep-banner{background:var(--green);color:#fff;text-align:center;padding:10px 16px;font-size:15.5px;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.2px}
.aep-banner strong{color:#ffe9a8}
.aep-banner a{color:#fff;text-decoration:underline}

/* ---------- buttons ---------- */
.btn-primary{background:var(--gold);color:var(--navy-d);padding:15px 32px;border-radius:5px;font-size:16.5px;font-weight:700;text-decoration:none;border:1px solid var(--gold-d);cursor:pointer;display:inline-block;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.5px;box-shadow:0 4px 14px rgba(201,162,39,.28)}
.btn-primary:hover{background:var(--gold-l)}
.btn-ghost{border:1.5px solid rgba(227,194,92,.6);color:#f3e7c4;padding:14px 30px;border-radius:5px;font-size:16.5px;text-decoration:none;display:inline-block;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.5px;font-weight:600}
.btn-ghost:hover{border-color:var(--gold-l);color:var(--gold-l)}

/* ---------- content-page hero ---------- */
.page-hero{position:relative;background:linear-gradient(135deg,var(--navy-d) 0%,#22384f 55%,#2c486a 100%);color:#eef1f6;padding:54px 0 60px;border-bottom:4px solid var(--gold);overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:14px;border:1px solid rgba(227,194,92,.28);border-radius:3px;pointer-events:none}
.page-hero .wrap{position:relative}
.page-hero h1{color:var(--white);font-size:46px;font-weight:700;margin:14px 0 18px;max-width:15ch}
.page-hero h1 em{color:var(--gold-l);font-style:italic}
.page-hero p.lead{font-size:20px;color:#d4dbe6;max-width:760px;margin-bottom:28px;line-height:1.66}
.page-hero .hero-ctas{display:flex;gap:16px;flex-wrap:wrap}
.breadcrumb{font-family:'Source Sans 3',Arial,sans-serif;font-size:13px;color:#9fb0c6;letter-spacing:2px;text-transform:uppercase}
.breadcrumb a{color:var(--gold-l);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}

/* ---------- kicker (heritage label) ---------- */
.kicker{font-family:'Source Sans 3',Arial,sans-serif;text-transform:uppercase;letter-spacing:3px;font-size:13px;color:var(--gold-d);font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:12px}
.kicker::after{content:"";flex:0 0 42px;height:1px;background:linear-gradient(90deg,var(--gold),transparent)}
.kicker.center{justify-content:center}
.kicker.center::before{content:"";flex:0 0 42px;height:1px;background:linear-gradient(90deg,transparent,var(--gold))}

/* ---------- article / prose ---------- */
.article{padding:58px 0}
.article .wrap{max-width:840px}
.prose h2{font-size:32px;margin:46px 0 8px;padding-bottom:12px;position:relative}
.prose h2::after{content:"";position:absolute;left:0;bottom:0;width:54px;height:3px;background:var(--gold);border-radius:2px}
.prose h3{font-size:23px;margin:30px 0 10px;color:var(--navy)}
.prose p{margin-bottom:18px}
.prose ul,.prose ol{margin:0 0 22px 2px;padding-left:6px;list-style:none}
.prose ul li{position:relative;padding-left:30px;margin-bottom:12px}
.prose ul li::before{content:"";position:absolute;left:6px;top:.62em;width:7px;height:7px;background:var(--gold);transform:rotate(45deg)}
.prose ol{counter-reset:c;padding-left:8px}
.prose ol li{position:relative;padding-left:34px;margin-bottom:12px;counter-increment:c}
.prose ol li::before{content:counter(c);position:absolute;left:0;top:.05em;width:22px;height:22px;background:var(--navy);color:var(--gold-l);font-family:'Source Sans 3',Arial,sans-serif;font-size:13px;font-weight:700;border-radius:50%;display:flex;align-items:center;justify-content:center}
.prose strong{color:var(--navy)}
.prose a{color:var(--navy);font-weight:700;text-decoration:underline;text-decoration-color:rgba(201,162,39,.5);text-underline-offset:2px}
.prose a:hover{text-decoration-color:var(--gold)}

/* ---------- ornamental divider ---------- */
.crest-divider{display:flex;align-items:center;justify-content:center;gap:16px;margin:40px 0;color:var(--gold)}
.crest-divider::before,.crest-divider::after{content:"";height:1px;width:120px;background:linear-gradient(90deg,transparent,var(--gold-d))}
.crest-divider::after{background:linear-gradient(90deg,var(--gold-d),transparent)}
.crest-divider span{font-size:14px;transform:rotate(45deg);display:inline-block}

/* ---------- callout / note ---------- */
.callout{background:linear-gradient(180deg,#fcf6e4,#faf3dd);border:1px solid #ecd9a3;border-left:4px solid var(--gold);border-radius:6px;padding:22px 26px;margin:28px 0;font-size:17.5px;line-height:1.6}
.callout strong{color:#8a6d12}
.callout.navy{background:#eef1f6;border-color:#d3dbe6;border-left-color:var(--navy)}
.callout.navy strong{color:var(--navy)}

/* ---------- comparison table ---------- */
.table-wrap{overflow-x:auto;margin:28px 0;border:1px solid var(--line);border-radius:8px}
table.compare{width:100%;border-collapse:collapse;font-size:16px;background:var(--white)}
table.compare th,table.compare td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.compare thead th{background:var(--navy);color:#f3e7c4;font-family:'Source Sans 3',Arial,sans-serif;font-size:13.5px;letter-spacing:1.2px;text-transform:uppercase;font-weight:600}
table.compare tbody tr:nth-child(even){background:#fbf9f3}
table.compare tbody tr:last-child td{border-bottom:none}
table.compare td:first-child{font-weight:700;color:var(--navy);font-family:'Playfair Display',Georgia,serif}

/* ---------- inline CTA strip ---------- */
.cta-strip{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:8px;box-shadow:0 8px 26px rgba(27,47,75,.07);padding:30px;margin:38px 0;text-align:center}
.cta-strip h3{font-size:25px;margin-bottom:8px}
.cta-strip p{color:var(--muted);font-size:16px;margin-bottom:18px;font-family:'Source Sans 3',Arial,sans-serif}

/* ---------- FAQ ---------- */
.faq{padding:52px 0;background:var(--cream-d);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:7px;margin-bottom:13px;box-shadow:0 3px 12px rgba(27,47,75,.05);overflow:hidden}
.faq summary{cursor:pointer;padding:20px 56px 20px 24px;font-size:19px;font-weight:600;color:var(--navy);font-family:'Playfair Display',Georgia,serif;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:26px;color:var(--gold);font-family:Georgia,serif}
.faq details[open] summary::after{content:"\2013"}
.faq .a{padding:0 24px 20px;font-size:17px;color:var(--muted);line-height:1.62}
.faq .a a{color:var(--navy);font-weight:600}

/* ---------- related links ---------- */
.related{padding:50px 0 60px}
.related .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rel-card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:8px;padding:24px;box-shadow:0 6px 22px rgba(27,47,75,.06);text-decoration:none;display:block;transition:transform .15s,box-shadow .15s}
.rel-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(27,47,75,.12)}
.rel-card h4{font-size:19px;margin-bottom:7px}
.rel-card p{font-size:15px;color:var(--muted);font-family:'Source Sans 3',Arial,sans-serif;line-height:1.5}
.rel-card:hover h4{color:var(--gold-d)}

/* ---------- closing band ---------- */
.band{position:relative;background:linear-gradient(135deg,var(--navy-d),#22384f);color:#eef1f6;text-align:center;padding:56px 0;border-top:4px solid var(--gold);border-bottom:4px solid var(--gold)}
.band h2{color:var(--white);font-size:34px;margin-bottom:12px}
.band p{font-size:17px;color:#c2ccdb;margin-bottom:24px;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:1px;text-transform:uppercase}
.band .phone{font-size:32px;color:var(--gold-l);font-weight:700;text-decoration:none;font-family:'Playfair Display',Georgia,serif}

/* ---------- footer ---------- */
footer{background:var(--navy-d);color:#9fb0c6;padding:48px 0 92px;font-size:14.5px;font-family:'Source Sans 3',Arial,sans-serif}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;margin-bottom:30px}
footer h4{color:var(--white);font-size:14px;margin-bottom:14px;letter-spacing:2px;text-transform:uppercase;font-family:'Source Sans 3',Arial,sans-serif;font-weight:700}
footer p{line-height:1.6}
footer a{color:#c2ccdb;text-decoration:none;display:block;margin-bottom:9px}
footer a:hover{color:var(--gold-l)}
.social-row{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;border-top:1px solid #2c3e57;padding-top:20px;margin-bottom:18px;font-size:13.5px}
.social-row a{display:inline-block;color:#c2ccdb;text-decoration:none;border-bottom:1px solid transparent;padding:2px 0}
.social-row a:hover,.social-row a:focus-visible{color:var(--gold-l);border-bottom-color:var(--gold-l)}
.map-embed{margin:22px 0 6px;border-radius:10px;overflow:hidden;border:1px solid #dfe4ea;line-height:0}
.map-embed iframe{width:100%;height:340px;border:0;display:block}
.map-actions{font-size:14px}
.svc-areas{font-size:13.5px;color:#9fb0c6;border-top:1px solid #2c3e57;padding-top:20px;margin-bottom:18px;line-height:1.7}
.svc-areas strong{color:#c2ccdb}
.svc-areas a{display:inline;color:#c2ccdb;text-decoration:underline}
.svc-areas a:hover{color:var(--gold-l)}
.disclaimer{border-top:1px solid #2c3e57;padding-top:22px;font-size:12.5px;line-height:1.75;color:#7e92ab}
.disclaimer a{color:#9fb0c6;display:inline;text-decoration:underline}

/* ---------- sticky mobile call bar ---------- */
.sticky-call{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--gold);z-index:99;padding:14px;text-align:center;box-shadow:0 -4px 16px rgba(0,0,0,.2)}
.sticky-call a{color:var(--navy-d);font-weight:700;font-size:19px;text-decoration:none;font-family:'Source Sans 3',Arial,sans-serif;letter-spacing:.5px}

@media(max-width:900px){
  nav.menu{display:none}
  .page-hero h1{font-size:33px}
  .prose h2{font-size:27px}
  .related .grid-3{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr 1fr}
  .sticky-call{display:block}
  .crest-divider::before,.crest-divider::after{width:60px}
}