/* ============ HMD Insurance Center — design tokens (classic financial, sleek precision) ============ */
:root{
  --navy: #101E33;
  --navy-deep: #0A1524;
  --navy-mid: #1C3A5C;
  --steel: #4B5768;
  --gold: #A9812E;
  --gold-deep: #86671F;
  --blue: #2054A0;

  --bg: #F4F6F9;
  --bg-elevated: #EAEEF3;
  --bg-panel: #FFFFFF;
  --bg-panel-2: #F1F4F8;
  --line: #D9DFE7;
  --line-soft: #E4E9EF;

  --text-primary: #10192B;
  --text-muted: #4B5768;
  --text-dim: #8792A0;

  --container: 1140px;
  --font-display: 'Source Serif 4', serif;
  --font-body: 'Inter', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--bg);
  color:var(--text-primary);
  font-family:var(--font-body);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%; display:block;}
a{color:inherit; text-decoration:none;}
.wrap{max-width:var(--container); margin:0 auto; padding:0 32px;}

h1,h2,h3,h4{font-family:var(--font-display); font-weight:600; margin:0; color:var(--text-primary);}
h1{font-size:clamp(32px, 4.6vw, 52px); line-height:1.14; letter-spacing:-0.01em;}
h2{font-size:clamp(23px, 2.8vw, 30px); line-height:1.24; letter-spacing:-0.005em;}
h3{font-size:18.5px; font-weight:600;}
p{color:var(--text-muted); margin:0;}
.lede{font-size:clamp(16px, 1.3vw, 17.5px); color:var(--text-muted); max-width:600px; line-height:1.7;}

.eyebrow{
  font-family:var(--font-mono);
  font-size:11px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold-deep);
  font-weight:600;
  margin-bottom:14px;
}
.eyebrow.gold{color:var(--gold-deep);}

.mt-8{margin-top:8px;} .mt-16{margin-top:16px;} .mt-24{margin-top:24px;}
.mt-32{margin-top:32px;} .mt-48{margin-top:48px;} .mt-64{margin-top:64px;}

/* ---------- Header / nav ---------- */
header.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:var(--navy-mid);
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.nav-inner{
  max-width:1400px;
  margin:0 auto;
  padding:14px 32px;
  display:flex;
  align-items:center;
  justify-content:space-between;
}
.brand .logo-img{height:50px; width:auto; display:block;}

nav.primary-nav{display:flex; align-items:center; gap:36px;}
nav.primary-nav a{
  font-size:14.5px;
  font-weight:500;
  color:rgba(255,255,255,0.68);
  transition:color .15s ease;
  position:relative;
}
nav.primary-nav a:hover, nav.primary-nav a:focus-visible{color:#fff;}
nav.primary-nav a.current{color:#fff; font-weight:600;}
nav.primary-nav a.current::after{
  content:"";
  position:absolute;
  left:0; right:0; bottom:-6px;
  height:2px;
  background:var(--gold);
}
.nav-links{display:flex; align-items:center; gap:36px;}

.nav-cta{
  font-family:var(--font-body);
  font-size:13.5px;
  font-weight:600;
  color:var(--navy-deep);
  background:var(--gold);
  padding:11px 22px;
  border-radius:2px;
  white-space:nowrap;
  transition:background .15s ease;
}
.nav-cta:hover{background:var(--gold-deep); color:#fff;}

.nav-toggle{
  display:none;
  background:none;
  border:1px solid rgba(255,255,255,0.25);
  border-radius:2px;
  width:40px; height:40px;
  color:#fff;
  font-size:18px;
  cursor:pointer;
}

@media (max-width:860px){
  .nav-links{
    position:fixed;
    top:72px; left:0; right:0;
    background:var(--navy-mid);
    border-bottom:1px solid rgba(255,255,255,0.1);
    flex-direction:column;
    align-items:flex-start;
    gap:0;
    padding:8px 24px 20px;
    transform:translateY(-8px);
    opacity:0;
    pointer-events:none;
    transition:opacity .18s ease, transform .18s ease;
  }
  .nav-links.open{opacity:1; transform:translateY(0); pointer-events:auto;}
  .nav-links a{width:100%; padding:14px 0; border-bottom:1px solid rgba(255,255,255,0.1);}
  .nav-cta{margin-top:14px; text-align:center; display:block;}
  .nav-toggle{display:block;}
}

/* ---------- Hero (text-only, used on Services/Contact) ---------- */
.hero{padding:72px 0 52px;}
.hero-dark{
  background:var(--navy-mid);
  padding:64px 0 56px;
  color:#fff;
}
.hero-dark h1{color:#fff;}
.hero-dark .lede{color:rgba(255,255,255,0.78);}
.hero-dark .eyebrow{color:var(--gold);}
.btn-row{display:flex; gap:14px; flex-wrap:wrap;}

.hero-media{
  margin-top:48px;
  border-radius:2px;
  overflow:hidden;
  border:1px solid var(--line);
}
.hero-media img{width:100%; display:block;}

/* ---------- Full-screen hero (Home) ---------- */
.hero-full{
  position:relative;
  min-height:88vh;
  display:flex;
  align-items:flex-end;
  overflow:hidden;
}
.hero-full-media{position:absolute; inset:0; z-index:0;}
.hero-full-media img{width:100%; height:100%; object-fit:cover; display:block;}
.hero-full-veil{
  position:absolute; inset:0;
  background:
    linear-gradient(180deg, rgba(10,21,36,0.55) 0%, rgba(10,21,36,0.35) 38%, rgba(10,21,36,0.88) 100%);
}
.hero-full-content{
  position:relative;
  z-index:1;
  width:100%;
  padding:80px 0 96px;
  color:#fff;
}
.hero-full-content h1{color:#fff;}
.hero-full-content .lede{color:rgba(255,255,255,0.82); max-width:600px;}
.hero-full-content .eyebrow{color:var(--gold);}
.hero-full-content .credential-line{color:rgba(255,255,255,0.75);}
.hero-full-content .credential-line .item{border-left-color:rgba(255,255,255,0.22);}
.hero-full-content .credential-line strong{color:#fff;}
.hero-full-content .badge{color:#fff;}
.hero-full-content .badge:not(:first-child){border-left-color:rgba(255,255,255,0.22);}

.hero-scroll-cue{
  position:absolute;
  bottom:28px;
  left:50%;
  transform:translateX(-50%);
  z-index:1;
  width:1px; height:44px;
  background:linear-gradient(180deg, rgba(255,255,255,0.65), transparent);
}
.hero-scroll-cue span{
  position:absolute; top:0; left:-2px;
  width:5px; height:5px;
  border-radius:50%;
  background:var(--gold);
  animation:scrolldrop 2.4s ease infinite;
}
@keyframes scrolldrop{
  0%{top:0; opacity:0;}
  20%{opacity:1;}
  90%{opacity:0;}
  100%{top:40px; opacity:0;}
}
@media (max-width:760px){
  .hero-full{min-height:78vh;}
  .hero-full-content{padding:56px 0 64px;}
}

/* Credential strip — thin-divided data line instead of pills */
.credential-line{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:0;
  font-family:var(--font-mono);
  font-size:11.5px;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--text-dim);
  font-weight:500;
}
.credential-line .item{padding:0 18px; border-left:1px solid var(--line);}
.credential-line .item:first-child{padding-left:0; border-left:none;}
.credential-line strong{color:var(--navy); font-weight:600;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family:var(--font-body);
  font-size:14px;
  font-weight:600;
  padding:14px 26px;
  border-radius:2px;
  transition:background .15s ease, color .15s ease, border-color .15s ease;
  border:1px solid transparent;
  cursor:pointer;
}
.btn-primary{background:var(--navy); color:#fff;}
.btn-primary:hover{background:var(--navy-deep);}
.btn-ghost{border-color:var(--line); color:var(--text-primary); background:transparent;}
.btn-ghost:hover{border-color:var(--navy); color:var(--navy);}
.btn-ghost-light{border-color:rgba(255,255,255,0.4); color:#fff; background:transparent;}
.btn-ghost-light:hover{border-color:#fff; background:rgba(255,255,255,0.08);}

/* ---------- Sections ---------- */
.section{padding:60px 0;}
.section-tight{padding:38px 0;}
.section-head{max-width:640px; margin-bottom:38px;}
.bg-panel{background:var(--bg-elevated);}

/* Full-bleed edge-to-edge photo section */
.full-bleed{position:relative; width:100%; overflow:hidden; margin:64px 0;}
.full-bleed img{width:100%; height:460px; object-fit:cover; display:block;}
.full-bleed-veil{
  position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(10,21,36,0.90) 20%, rgba(10,21,36,0.30) 75%);
  display:flex; align-items:center;
}
.full-bleed-text{max-width:520px; color:#fff;}
.full-bleed-text h2{color:#fff; font-size:clamp(24px, 2.8vw, 32px);}
.full-bleed-text .eyebrow{color:var(--gold);}
@media (max-width:760px){
  .full-bleed img{height:400px;}
  .full-bleed-veil{background:linear-gradient(180deg, rgba(10,21,36,0.35) 0%, rgba(10,21,36,0.92) 65%); align-items:flex-end; padding-bottom:36px;}
}

/* ---------- Grids / cards ---------- */
.grid-2{display:grid; grid-template-columns:1fr 1fr; gap:20px;}
.grid-3{display:grid; grid-template-columns:repeat(3, 1fr); gap:20px;}
.grid-4{display:grid; grid-template-columns:repeat(4, 1fr); gap:20px;}
@media (max-width:860px){
  .grid-2, .grid-3, .grid-4{grid-template-columns:1fr;}
}

.card{
  background:var(--bg-panel);
  border:1px solid var(--line);
  border-radius:2px;
  padding:32px;
  transition:border-color .15s ease;
}
.card:hover{border-color:#B7C1CE;}
.card .tag{
  display:inline-block;
  font-family:var(--font-mono);
  font-size:11px;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold-deep);
  font-weight:600;
  margin-bottom:16px;
  padding-bottom:8px;
  border-bottom:2px solid var(--gold);
}
.card .tag.gold{color:var(--gold-deep); border-bottom-color:var(--gold);}
.card h3{margin-bottom:9px;}
.card p{font-size:14px;}

/* Coverage card with photo */
.cover-card{
  border:1px solid var(--line);
  border-radius:2px;
  overflow:hidden;
  background:var(--bg-panel);
  position:relative;
  transition:border-color .15s ease;
}
.cover-card:hover{border-color:#B7C1CE;}
.cover-card .photo{aspect-ratio:4/3; overflow:hidden; position:relative;}
.cover-card .photo img{width:100%; height:100%; object-fit:cover; filter:saturate(0.94);}
.cover-card .photo::after{
  content:"";
  position:absolute; inset:0;
  background:linear-gradient(180deg, transparent 55%, rgba(255,255,255,0.97) 100%);
}
.cover-card .body{padding:22px;}
.cover-card .body h3{font-size:17.5px; margin-bottom:6px;}
.cover-card .body p{font-size:13.5px;}

/* Icon service card — icon rendered flat, no tile */
.icon-card{
  background:var(--bg-panel);
  border:1px solid var(--line);
  padding:30px;
  transition:border-color .15s ease;
}
.icon-card:hover{border-color:#B7C1CE;}
.icon-card .icon-wrap{margin-bottom:18px;}
.icon-card .icon-wrap svg{width:25px; height:25px;}
.icon-card h3{font-size:16.5px; margin-bottom:8px;}
.icon-card p{font-size:13.5px;}
.icon-card ul{margin:12px 0 0; padding-left:18px; color:var(--text-muted); font-size:13.5px;}
.icon-card ul li{margin-bottom:5px;}

/* Trust badge row — flat data-style */
.badge-row{display:flex; gap:0; flex-wrap:wrap; align-items:center;}
.badge{
  display:inline-flex; align-items:center; gap:0;
  font-family:var(--font-mono);
  font-size:11.5px; font-weight:500; letter-spacing:0.04em;
  text-transform:uppercase;
  color:var(--navy);
  padding:0 18px;
  border-left:1px solid var(--line);
}
.badge:first-child{padding-left:0; border-left:none;}
.badge .dot{display:none;}

/* CTA band */
.cta-band{
  background:var(--navy);
  border-radius:2px;
  padding:46px 50px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
  color:#fff;
}
.cta-band h2{color:#fff; margin-bottom:6px;}
.cta-band p{color:rgba(255,255,255,0.62); font-family:var(--font-mono); font-size:11.5px; letter-spacing:0.06em; text-transform:uppercase;}
.cta-band .btn-primary{background:var(--gold); color:var(--navy-deep);}
.cta-band .btn-primary:hover{background:var(--gold-deep); color:#fff;}

/* Process steps — flat, hairline-divided */
.step-row{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--line); border:1px solid var(--line);}
.step{background:var(--bg-panel); padding:26px 24px;}
.step .num{
  font-family:var(--font-mono);
  font-size:12px; font-weight:600;
  color:var(--gold-deep);
  margin-bottom:12px;
  display:block;
  letter-spacing:0.06em;
}
.step h4{font-family:var(--font-display); font-size:16.5px; margin-bottom:6px; color:var(--text-primary); font-weight:600;}
.step p{font-size:13.5px;}
@media (max-width:760px){.step-row{grid-template-columns:1fr;}}

/* Values / bullet list */
.value-list{list-style:none; margin:0; padding:0;}
.value-list li{
  display:flex; gap:16px; align-items:flex-start;
  padding:18px 0;
  border-bottom:1px solid var(--line-soft);
}
.value-list li:last-child{border-bottom:none;}
.value-list .check{
  width:18px; height:18px;
  color:var(--gold-deep);
  display:flex; align-items:center; justify-content:center;
  font-size:14px; font-weight:700; flex:0 0 auto; margin-top:2px;
}

/* Scroll reveal */
.reveal{opacity:0; transform:translateY(14px); transition:opacity .55s ease, transform .55s ease;}
.reveal.in{opacity:1; transform:translateY(0);}
@media (prefers-reduced-motion: reduce){
  .reveal{opacity:1; transform:none; transition:none;}
}

/* ---------- Contact form ---------- */
.form-field{margin-bottom:20px;}
.form-field label{
  display:block;
  font-family:var(--font-mono);
  font-size:10.5px;
  letter-spacing:0.06em;
  color:var(--text-dim);
  text-transform:uppercase;
  margin-bottom:8px;
  font-weight:500;
}
.form-field input, .form-field textarea, .form-field select{
  width:100%;
  background:var(--bg-panel-2);
  border:1px solid var(--line);
  border-radius:2px;
  padding:12px 14px;
  color:var(--text-primary);
  font-family:var(--font-body);
  font-size:14.5px;
  transition:border-color .15s ease, background .15s ease;
}
.form-field input:focus, .form-field textarea:focus, .form-field select:focus{
  outline:none; border-color:var(--navy); background:#fff;
}
.form-field textarea{resize:vertical; min-height:120px;}
.form-row{display:grid; grid-template-columns:1fr 1fr; gap:18px;}
@media (max-width:600px){.form-row{grid-template-columns:1fr;}}

.contact-info-item{
  display:flex; align-items:flex-start; gap:14px;
  padding:16px 0; border-bottom:1px solid var(--line-soft);
}
.contact-info-item:last-child{border-bottom:none;}
.contact-info-item .ico{
  width:30px; height:30px;
  display:flex; align-items:center; justify-content:center;
  flex:0 0 auto;
}
.contact-info-item .ico svg{width:18px; height:18px;}
.contact-info-item .label{
  font-family:var(--font-mono);
  font-size:10px; letter-spacing:0.06em;
  color:var(--text-dim); text-transform:uppercase; margin-bottom:4px; font-weight:500;
}
.contact-info-item .value{font-size:15px; color:var(--text-primary);}

/* ---------- Footer ---------- */
footer.site-footer{border-top:1px solid var(--line); padding:50px 0 32px; margin-top:36px; background:var(--navy);}
.footer-grid{display:flex; justify-content:space-between; flex-wrap:wrap; gap:36px; margin-bottom:34px;}
.footer-col h4{
  font-family:var(--font-mono);
  font-size:11px; letter-spacing:0.08em;
  color:rgba(255,255,255,0.42); text-transform:uppercase; margin-bottom:14px; font-weight:500;
}
.footer-col a, .footer-col p{display:block; font-size:14px; color:rgba(255,255,255,0.72); margin-bottom:9px;}
.footer-col a:hover{color:var(--gold);}
.footer-nav-links{display:flex; flex-wrap:wrap; gap:9px 20px;}
.footer-nav-links a{display:inline-block; margin-bottom:0;}
.footer-bottom{
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px;
  padding-top:20px; border-top:1px solid rgba(255,255,255,0.13);
  font-family:var(--font-mono);
  font-size:10.5px; letter-spacing:0.04em; color:rgba(255,255,255,0.42);
}

.center{text-align:center; margin-left:auto; margin-right:auto;}