/* Auto Rates Now — shared styles
   Palette: petrol-navy structure + savings-green accent
   Type: Bricolage Grotesque (display) / Hanken Grotesk (body) */

:root {
  --ink:        #0D1F2D;
  --ink-2:      #12293A;
  --ink-3:      #1B394D;
  --paper:      #FFFFFF;
  --surface:    #F3F7F5;
  --surface-2:  #E9F1ED;
  --line:       #DCE6E2;
  --line-ink:   #274255;

  --green:      #0E9F6E;
  --green-deep: #0A7E56;
  --green-soft: #E4F5EE;
  --amber:      #F2B01E;
  --alert:      #E4573D;

  --text:       #15232E;
  --muted:      #566A78;
  --on-ink:     #EAF2EF;
  --on-ink-mut: #9BB2BF;

  --radius-s: 10px;
  --radius:   16px;
  --radius-l: 24px;
  --shadow-cta: 0 10px 24px -10px rgba(14,159,110,.55);
  --wrap: 1120px;
  --gutter: clamp(20px, 5vw, 56px);
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

body {
  margin: 0;
  font-family: "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: "Bricolage Grotesque", "Hanken Grotesk", sans-serif;
  font-weight: 700;
  line-height: 1.06;
  letter-spacing: -0.02em;
  margin: 0 0 .5em;
  color: var(--ink);
}

p { margin: 0 0 1em; }
a { color: var(--green-deep); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: var(--gutter); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font-family: "Hanken Grotesk", sans-serif;
  font-weight: 700; font-size: 1.02rem;
  padding: .95rem 1.6rem;
  border-radius: var(--radius-s);
  border: 1px solid transparent;
  cursor: pointer; transition: transform .15s ease, background .15s ease, box-shadow .15s ease;
  text-align: center; line-height: 1.1;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--green); color: #fff; box-shadow: var(--shadow-cta); }
.btn-primary:hover { background: var(--green-deep); transform: translateY(-1px); }
.btn-primary:active { transform: translateY(0); }
.btn-ghost { background: transparent; color: var(--on-ink); border-color: var(--line-ink); }
.btn-ghost:hover { background: rgba(255,255,255,.06); }
.btn-lg { padding: 1.1rem 2rem; font-size: 1.1rem; }
.btn-block { width: 100%; }

:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 4px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: inline-flex; align-items: center; gap: .6rem; font-family: "Bricolage Grotesque", sans-serif; font-weight: 700; font-size: 1.25rem; color: var(--ink); letter-spacing: -.02em; }
.brand:hover { text-decoration: none; }
.brand .mark { width: 34px; height: 34px; flex: none; }
.nav { display: flex; align-items: center; gap: 2rem; }
.nav-links { display: flex; gap: 1.6rem; }
.nav-links a { color: var(--muted); font-weight: 500; font-size: .98rem; }
.nav-links a:hover { color: var(--ink); text-decoration: none; }
.header-cta { padding: .7rem 1.15rem; font-size: .96rem; }
@media (max-width: 860px) {
  .nav-links { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(120% 120% at 85% 0%, #163B52 0%, rgba(22,59,82,0) 55%),
    linear-gradient(180deg, var(--ink) 0%, var(--ink-2) 100%);
  color: var(--on-ink);
  padding: clamp(56px, 8vw, 104px) 0 clamp(64px, 8vw, 108px);
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2.4rem, 5.2vw, 4.1rem); letter-spacing: -.03em; }
.hero .lede { color: var(--on-ink-mut); font-size: clamp(1.08rem, 1.6vw, 1.28rem); max-width: 34ch; margin-bottom: 1.8rem; }
.hero-cta-row { display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; }
.hero-note { color: var(--on-ink-mut); font-size: .9rem; margin: 1.4rem 0 0; max-width: 46ch; }
.hero-note strong { color: var(--on-ink); font-weight: 600; }

.pill { display: inline-flex; align-items: center; gap: .5rem; background: rgba(14,159,110,.14); border: 1px solid rgba(14,159,110,.4); color: #6EE7B0; font-weight: 600; font-size: .86rem; padding: .38rem .8rem; border-radius: 999px; margin-bottom: 1.4rem; }
.pill .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px rgba(14,159,110,.25); }

/* Gauge visual */
.gauge-card {
  background: linear-gradient(180deg, rgba(255,255,255,.06), rgba(255,255,255,.02));
  border: 1px solid var(--line-ink);
  border-radius: var(--radius-l);
  padding: clamp(24px, 3vw, 36px);
  position: relative;
}
.gauge-card svg { width: 100%; height: auto; display: block; }
.gauge-caption { display: flex; justify-content: space-between; margin-top: .4rem; color: var(--on-ink-mut); font-size: .82rem; font-weight: 600; }
.gauge-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 1.4rem; border-top: 1px solid var(--line-ink); padding-top: 1.2rem; }
.gauge-stats .stat { text-align: center; padding: 0 .4rem; }
.gauge-stats .stat + .stat { border-left: 1px solid var(--line-ink); }
.gauge-stats .num { font-family: "Bricolage Grotesque", sans-serif; font-weight: 700; font-size: 1.5rem; color: #fff; line-height: 1; }
.gauge-stats .lbl { color: var(--on-ink-mut); font-size: .8rem; margin-top: .35rem; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .gauge-card { max-width: 460px; }
}

/* ---------- Sections ---------- */
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section-alt { background: var(--surface); }
.section-head { max-width: 60ch; margin-bottom: 2.6rem; }
.section-head.center { margin-inline: auto; text-align: center; }
.section h2 { font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
.section-head p { color: var(--muted); font-size: 1.1rem; margin-bottom: 0; }
.eyebrow { display: inline-block; color: var(--green-deep); font-weight: 700; font-size: .95rem; margin-bottom: .7rem; }

/* Steps (a genuine sequence — numbered) */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; counter-reset: step; }
.step { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem 1.6rem; position: relative; }
.step-num { font-family: "Bricolage Grotesque", sans-serif; font-weight: 700; font-size: 1.05rem; color: var(--green-deep); background: var(--green-soft); width: 40px; height: 40px; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 1rem; }
.step h3 { font-size: 1.2rem; margin-bottom: .4rem; }
.step p { color: var(--muted); margin: 0; font-size: 1rem; }
.step::after { content: ""; position: absolute; right: -1.1rem; top: 50%; width: 1.4rem; height: 2px; background: var(--line); }
.step:last-child::after { display: none; }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } .step::after { display: none; } }

/* Benefits */
.benefits { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem 2.6rem; }
.benefit { display: flex; gap: 1rem; align-items: flex-start; padding: 1.1rem 0; border-top: 1px solid var(--line); }
.benefit .ic { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--ink); color: #fff; display: grid; place-items: center; }
.benefit .ic svg { width: 22px; height: 22px; }
.benefit h3 { font-size: 1.12rem; margin: .1rem 0 .3rem; }
.benefit p { color: var(--muted); margin: 0; font-size: .98rem; }
@media (max-width: 720px) { .benefits { grid-template-columns: 1fr; gap: 0; } }

/* Coverage chips */
.coverage { background: var(--ink); color: var(--on-ink); border-radius: var(--radius-l); padding: clamp(32px, 5vw, 56px); }
.coverage h2 { color: #fff; }
.coverage p.sub { color: var(--on-ink-mut); max-width: 56ch; }
.chip-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 2rem; }
.chip { background: var(--ink-2); border: 1px solid var(--line-ink); border-radius: var(--radius); padding: 1.2rem 1.3rem; }
.chip h3 { color: #fff; font-size: 1.05rem; margin: 0 0 .25rem; }
.chip p { color: var(--on-ink-mut); font-size: .92rem; margin: 0; }
@media (max-width: 820px) { .chip-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .chip-grid { grid-template-columns: 1fr; } }

/* FAQ */
.faq { max-width: 780px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); padding: .4rem 0; }
.faq summary { cursor: pointer; list-style: none; padding: 1.1rem 0; font-family: "Bricolage Grotesque", sans-serif; font-weight: 600; font-size: 1.14rem; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .plus { flex: none; width: 26px; height: 26px; position: relative; }
.faq summary .plus::before, .faq summary .plus::after { content: ""; position: absolute; background: var(--green-deep); border-radius: 2px; }
.faq summary .plus::before { left: 50%; top: 4px; width: 2px; height: 18px; transform: translateX(-50%); transition: transform .2s ease; }
.faq summary .plus::after { top: 50%; left: 4px; height: 2px; width: 18px; transform: translateY(-50%); }
.faq details[open] summary .plus::before { transform: translateX(-50%) scaleY(0); }
.faq details p { color: var(--muted); padding: 0 0 1.2rem; margin: 0; max-width: 68ch; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--green-deep), var(--green)); color: #fff; border-radius: var(--radius-l); padding: clamp(36px, 6vw, 68px); text-align: center; }
.cta-band h2 { color: #fff; font-size: clamp(1.8rem, 3.6vw, 2.7rem); }
.cta-band p { color: rgba(255,255,255,.9); max-width: 52ch; margin: 0 auto 2rem; font-size: 1.12rem; }
.cta-band .btn-primary { background: #fff; color: var(--green-deep); box-shadow: 0 12px 30px -12px rgba(0,0,0,.5); }
.cta-band .btn-primary:hover { background: #F4FBF8; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: var(--on-ink-mut); padding: clamp(48px, 6vw, 72px) 0 2rem; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 2.4rem; padding-bottom: 2.4rem; border-bottom: 1px solid var(--line-ink); }
.footer-brand .brand { color: #fff; }
.footer-brand p { margin: 1rem 0 0; font-size: .94rem; max-width: 42ch; }
.footer-col h4 { color: #fff; font-family: "Hanken Grotesk", sans-serif; font-size: .82rem; letter-spacing: .04em; text-transform: uppercase; margin: 0 0 1rem; font-weight: 700; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .65rem; }
.footer-col a { color: var(--on-ink-mut); font-size: .96rem; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-disclosure { padding: 2rem 0 0; font-size: .86rem; color: var(--on-ink-mut); display: grid; gap: 1rem; }
.footer-disclosure p { margin: 0; max-width: 100%; line-height: 1.65; }
.footer-legal { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 1.4rem; padding-top: 1.6rem; border-top: 1px solid var(--line-ink); font-size: .86rem; }
.footer-legal .links { display: flex; flex-wrap: wrap; gap: 1.2rem; }
@media (max-width: 820px) { .footer-top { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-top { grid-template-columns: 1fr; } }

/* ---------- Legal / content pages ---------- */
.page-hero { background: linear-gradient(180deg, var(--ink), var(--ink-2)); color: var(--on-ink); padding: clamp(48px, 7vw, 84px) 0 clamp(40px, 5vw, 60px); }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 3rem); }
.page-hero .updated { color: var(--on-ink-mut); font-size: .95rem; margin: .6rem 0 0; }
.page-hero .crumb { color: var(--on-ink-mut); font-size: .9rem; margin-bottom: 1rem; }
.page-hero .crumb a { color: #6EE7B0; }

.legal { padding: clamp(40px, 6vw, 72px) 0 clamp(56px, 8vw, 96px); }
.legal-wrap { max-width: 820px; margin: 0 auto; padding-inline: var(--gutter); }
.legal-wrap h2 { font-size: 1.5rem; margin: 2.4rem 0 .7rem; }
.legal-wrap h3 { font-size: 1.15rem; margin: 1.6rem 0 .5rem; }
.legal-wrap p, .legal-wrap li { color: #33454F; }
.legal-wrap ul, .legal-wrap ol { padding-left: 1.3rem; margin: 0 0 1.2rem; }
.legal-wrap li { margin-bottom: .5rem; }
.legal-wrap a { color: var(--green-deep); text-decoration: underline; }
.legal-wrap .callout { background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--green); border-radius: var(--radius-s); padding: 1.1rem 1.3rem; margin: 1.6rem 0; }
.legal-wrap .callout p:last-child { margin-bottom: 0; }
.legal-toc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem 1.5rem; margin-bottom: 2.4rem; }
.legal-toc h4 { margin: 0 0 .7rem; font-size: .82rem; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); font-family: "Hanken Grotesk", sans-serif; }
.legal-toc ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .4rem; grid-template-columns: 1fr 1fr; }
.legal-toc a { color: var(--green-deep); font-size: .95rem; text-decoration: none; }
@media (max-width: 560px) { .legal-toc ul { grid-template-columns: 1fr; } }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; margin-top: 1rem; }
.contact-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.7rem; }
.contact-card h3 { font-size: 1.1rem; margin: 0 0 .5rem; }
.contact-card p { color: #33454F; margin: 0 0 .3rem; }
.contact-card a { color: var(--green-deep); }
@media (max-width: 640px) { .contact-grid { grid-template-columns: 1fr; } }

.skip { position: absolute; left: -999px; top: 0; background: #fff; color: var(--ink); padding: .6rem 1rem; z-index: 100; border-radius: 0 0 8px 0; }
.skip:focus { left: 0; }