/* Novaro Insurance — Christopher Momcilovich, Battle Creek MI */

:root {
  --paper:      #F7F8F5;
  --surface:    #FFFFFF;
  --tint:       #E8EFE9;
  --pine:       #2F5D50;
  --pine-deep:  #1E4137;
  --ink:        #16201B;
  --ink-soft:   #4E5D55;
  --ink-faint:  #83918A;
  --rule:       #D8DED7;
  --copper:     #AA5F31;
  --copper-tint:#F7EBE1;

  --f-display: "Newsreader", Georgia, "Times New Roman", serif;
  --f-body: "IBM Plex Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  --f-mono: "IBM Plex Mono", ui-monospace, Menlo, Consolas, monospace;

  --pad: clamp(20px, 5vw, 64px);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--f-body);
  font-size: 17px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; }

.inner {
  max-width: 1080px;
  margin: 0 auto;
  padding-inline: var(--pad);
}

.skip {
  position: absolute;
  left: -9999px;
  background: var(--pine);
  color: #fff;
  padding: 10px 16px;
  z-index: 100;
}
.skip:focus { left: 12px; top: 12px; }

/* ---------------- nav ---------------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(247,248,245,.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--rule);
}
.nav-in {
  display: flex;
  align-items: center;
  gap: 26px;
  padding-block: 14px;
  padding-inline: var(--pad);
  max-width: 1080px;
  margin: 0 auto;
}
.wordmark {
  font-family: var(--f-display);
  font-size: 1.32rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1;
  white-space: nowrap;
  color: var(--ink);
  text-decoration: none;
}
.wordmark span { color: var(--pine); }
.navlinks {
  display: flex;
  gap: 22px;
  margin-left: auto;
  font-size: .93rem;
  color: var(--ink-soft);
}
.navlinks a {
  color: inherit;
  text-decoration: none;
  padding-block: 4px;
  border-bottom: 1px solid transparent;
}
.navlinks a:hover,
.navlinks a:focus-visible,
.navlinks a[aria-current="page"] { color: var(--pine); border-bottom-color: var(--pine); }
.navphone {
  font-family: var(--f-mono);
  font-size: .88rem;
  color: var(--ink);
  white-space: nowrap;
  text-decoration: none;
}

.btn {
  display: inline-block;
  background: var(--pine);
  color: #F7F8F5;
  font-size: .93rem;
  font-weight: 600;
  padding: 11px 20px;
  border: 1px solid var(--pine);
  text-decoration: none;
  white-space: nowrap;
  transition: background .15s ease;
  cursor: pointer;
}
.btn:hover, .btn:focus-visible { background: var(--pine-deep); border-color: var(--pine-deep); }
.btn.ghost { background: transparent; color: var(--pine); }
.btn.ghost:hover, .btn.ghost:focus-visible { background: var(--tint); }
.btn.light { background: #F7F8F5; color: var(--pine-deep); border-color: #F7F8F5; }
.btn.light:hover { background: #FFFFFF; }
a:focus-visible, button:focus-visible { outline: 2px solid var(--copper); outline-offset: 3px; }

/* ---------------- type ---------------- */
.eyebrow {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--copper);
  margin: 0 0 18px;
}
h1 {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(2.4rem, 5.4vw, 3.8rem);
  line-height: 1.05;
  letter-spacing: -0.02em;
  text-wrap: balance;
  margin: 0 0 22px;
}
h2 {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(1.8rem, 3.6vw, 2.5rem);
  line-height: 1.15;
  letter-spacing: -0.018em;
  text-wrap: balance;
  margin: 0 0 18px;
}
h3 {
  font-family: var(--f-display);
  font-weight: 600;
  font-size: 1.18rem;
  line-height: 1.3;
  margin: 0 0 8px;
}
p { margin: 0 0 18px; }
p:last-child { margin-bottom: 0; }
.lede { font-size: 1.08rem; color: var(--ink-soft); max-width: 60ch; }
a { color: var(--pine); }

/* ---------------- hero ---------------- */
.hero { padding-block: clamp(52px, 8vw, 92px) clamp(48px, 7vw, 78px); }
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}
.hero p.body { font-size: 1.08rem; color: var(--ink-soft); max-width: 52ch; }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin: 28px 0 14px; }
.reassure { font-size: .9rem; color: var(--ink-faint); max-width: 46ch; }

.photo {
  position: relative;
  aspect-ratio: 4 / 5;
  max-width: 100%;
  background:
    repeating-linear-gradient(135deg, rgba(47,93,80,.05) 0 14px, rgba(47,93,80,.09) 14px 28px),
    linear-gradient(160deg, #CBD8CE, #A9BDB1);
  border: 1px solid var(--rule);
  display: flex;
  align-items: flex-end;
  padding: 18px;
  overflow: hidden;
}
.photo img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }
.photo span {
  position: relative;
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--pine-deep);
  background: rgba(247,248,245,.88);
  padding: 7px 10px;
  line-height: 1.5;
}
.photo.wide { aspect-ratio: 5 / 4; }

/* ---------------- credential band ---------------- */
.credband { background: var(--tint); border-block: 1px solid var(--rule); padding-block: 16px; }
.credband p {
  font-family: var(--f-mono);
  font-size: .78rem;
  letter-spacing: .03em;
  color: var(--pine-deep);
  text-align: center;
  margin: 0;
  line-height: 2;
}
.credband .dot { color: var(--ink-faint); padding-inline: 6px; }

/* ---------------- sections ---------------- */
.band { padding-block: clamp(56px, 8vw, 96px); }
.band.tight { padding-block: clamp(40px, 5vw, 64px); }
.band.surface { background: var(--surface); border-block: 1px solid var(--rule); }
.narrow { max-width: 34rem; margin-inline: auto; }
.narrow h2 { font-size: clamp(1.7rem, 3.4vw, 2.25rem); }
.narrow p { color: var(--ink-soft); }
.prose { max-width: 38rem; }
.prose p, .prose li { color: var(--ink-soft); }
.prose h2 { margin-top: 44px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 30px; color: var(--ink); }
.prose ul { padding-left: 20px; }
.prose li { margin-bottom: 10px; }

/* ---------------- explainer steps ---------------- */
.step {
  display: grid;
  grid-template-columns: 2.6rem 1fr;
  gap: 0 18px;
  border-top: 1px solid var(--rule);
  padding-block: 20px;
  max-width: 46rem;
}
.step:last-of-type { border-bottom: 1px solid var(--rule); }
.step .n { font-family: var(--f-mono); font-size: .82rem; color: var(--copper); padding-top: .35rem; }
.step strong { display: block; font-size: 1.02rem; margin-bottom: 4px; }
.step p { color: var(--ink-soft); font-size: .98rem; margin: 0; }

.honest {
  background: var(--copper-tint);
  border-left: 3px solid var(--copper);
  padding: clamp(24px, 4vw, 34px);
  margin-top: 40px;
  max-width: 46rem;
}
.honest h3 {
  font-family: var(--f-mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 16px;
}
.honest ul { margin: 0; padding-left: 20px; }
.honest li { margin-bottom: 12px; color: var(--ink); }
.honest li:last-child { margin-bottom: 0; }

/* ---------------- three / cards ---------------- */
.three {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  margin-top: 42px;
}
.three > div { padding: 0 clamp(18px, 3vw, 32px); border-left: 1px solid var(--rule); }
.three > div:first-child { padding-left: 0; border-left: none; }
.three .n {
  font-family: var(--f-mono);
  font-size: .78rem;
  letter-spacing: .1em;
  color: var(--copper);
  display: block;
  margin-bottom: 12px;
}
.three p { color: var(--ink-soft); font-size: .97rem; }

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
  margin-top: 42px;
}
.card { background: var(--surface); border: 1px solid var(--rule); padding: clamp(24px, 3vw, 32px); }
.card .rule { width: 30px; height: 2px; background: var(--copper); margin-bottom: 18px; }
.card p { color: var(--ink-soft); font-size: .97rem; }

/* ---------------- about split ---------------- */
.about-grid {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr);
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}
.about-grid p { color: var(--ink-soft); }
.textlink {
  font-weight: 600;
  color: var(--pine);
  text-decoration: none;
  border-bottom: 1px solid var(--pine);
  padding-bottom: 2px;
}
.textlink:hover { color: var(--copper); border-bottom-color: var(--copper); }

/* ---------------- quiet band ---------------- */
.quiet { background: var(--tint); border-block: 1px solid var(--rule); padding-block: clamp(40px, 5vw, 58px); }
.quiet h3 { font-size: 1.35rem; margin-bottom: 12px; }
.quiet p { color: var(--ink-soft); max-width: 58ch; }
.quiet .lines {
  font-family: var(--f-mono);
  font-size: .82rem;
  color: var(--pine-deep);
  margin-top: 18px;
}
.quiet .lines .dot { color: var(--ink-faint); padding-inline: 8px; }

/* ---------------- faq ---------------- */
.faq { max-width: 40rem; margin-inline: auto; }
.faq .q { border-top: 1px solid var(--rule); padding-block: 22px; }
.faq .q:last-child { border-bottom: 1px solid var(--rule); }
.faq h3 { margin-bottom: 8px; }
.faq p { color: var(--ink-soft); font-size: .98rem; }

/* ---------------- closing ---------------- */
.closing {
  background: var(--pine-deep);
  color: #EAF0EC;
  padding-block: clamp(64px, 9vw, 104px);
  text-align: center;
}
.closing h2 { color: #FFFFFF; margin-bottom: 16px; }
.closing p { color: #B9CDC3; max-width: 44ch; margin-inline: auto; }
.closing .cta-row { justify-content: center; margin-top: 30px; }
.closing .reassure { color: #94AFA3; margin-inline: auto; text-align: center; }
.closing .reassure strong { color: #FFFFFF; }

/* ---------------- embed ---------------- */
.embed {
  background: var(--surface);
  border: 1px solid var(--rule);
  padding: 8px;
  margin-top: 32px;
}
.embed iframe { display: block; width: 100%; border: 0; min-height: 900px; }

/* ---------------- footer ---------------- */
.foot {
  background: var(--ink);
  color: #A3B2AA;
  padding-block: clamp(48px, 6vw, 68px) 34px;
  font-size: .93rem;
}
.foot-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 32px; }
.foot h4 {
  font-family: var(--f-mono);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: #7C8D84;
  margin: 0 0 14px;
}
.foot a { color: #D5DED8; text-decoration: none; display: block; margin-bottom: 8px; }
.foot a:hover { color: #FFFFFF; }
.foot p { color: #A3B2AA; }
.foot .fmark { font-family: var(--f-display); font-size: 1.3rem; color: #FFFFFF; margin-bottom: 10px; }
.foot .legal {
  border-top: 1px solid #2C3831;
  margin-top: 40px;
  padding-top: 24px;
  font-size: .78rem;
  line-height: 1.7;
  color: #7C8D84;
  max-width: 78ch;
}

@media (max-width: 860px) {
  .hero-grid, .about-grid { grid-template-columns: 1fr; }
  .hero .photo, .about-grid .photo { max-width: 380px; }
  .navlinks { display: none; }
  .three > div {
    border-left: none;
    padding-inline: 0;
    padding-block: 22px;
    border-top: 1px solid var(--rule);
  }
  .three > div:first-child { border-top: none; padding-top: 0; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .navphone { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}

.btn-lg {
  font-size: 1.05rem;
  padding: 16px 32px;
}