/* Homepage-specific */

.bg-warm { background: var(--color-bg-warm); }

/* HERO */
.hero {
  padding: clamp(var(--space-12), 6vw, var(--space-24)) 0 clamp(var(--space-16), 8vw, var(--space-24));
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: clamp(var(--space-8), 5vw, var(--space-20));
  align-items: center;
}
.hero-copy .eyebrow { display: block; margin-bottom: var(--space-4); }
.hero h1 {
  font-weight: 400;
  margin-bottom: var(--space-6);
}
.hero h1 em {
  font-style: italic;
  font-family: var(--font-display);
  font-weight: 300;
  color: var(--color-warm);
}
.section-head h2 em {
  font-style: italic;
  font-family: var(--font-display);
  font-weight: 300;
  color: var(--color-warm);
}
.hero-lede {
  font-size: var(--text-lg);
  color: var(--color-ink-soft);
  max-width: 52ch;
  margin-bottom: var(--space-8);
}
.hero-figure {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.hero-figure img {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  display: block;
}
.hero-figure figcaption {
  position: absolute;
  bottom: var(--space-4);
  left: var(--space-4);
  right: var(--space-4);
  background: rgba(20, 33, 58, 0.82);
  backdrop-filter: blur(8px);
  color: white;
  font-size: var(--text-xs);
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-sm);
  letter-spacing: 0.02em;
  border-left: 2px solid var(--color-warm-soft);
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-figure { order: -1; max-height: 320px; }
  .hero-figure img { aspect-ratio: 16/9; }
}

/* ZIP form */
.zip-form {
  background: var(--color-bg-elev);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow);
}
.zip-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-ink);
  margin-bottom: var(--space-3);
}
.zip-inputs {
  display: flex;
  gap: var(--space-3);
}
.zip-inputs input {
  flex: 1;
  min-width: 0;
  padding: 0.875rem 1rem;
  font-size: var(--text-base);
  font-family: var(--font-body);
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  background: var(--color-bg);
  color: var(--color-ink);
  transition: border-color 150ms, box-shadow 150ms;
}
.zip-inputs input:focus {
  outline: none;
  border-color: var(--color-warm);
  box-shadow: 0 0 0 3px rgba(176, 136, 56, 0.15);
}
.zip-fine {
  font-size: var(--text-xs);
  color: var(--color-ink-mute);
  margin-top: var(--space-3);
}
@media (max-width: 520px) {
  .zip-inputs { flex-direction: column; }
}

/* ZIP result */
#zip-result { margin-top: var(--space-4); }
.zip-msg {
  padding: var(--space-6);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-line);
  background: var(--color-bg-elev);
  box-shadow: var(--shadow);
}
.zip-msg--warn {
  background: #FDF6E7;
  border-color: #E9D8A6;
  color: #6B4E00;
}
.zip-msg--warn p { color: #6B4E00; }
.zip-msg--ok { background: var(--color-bg-elev); }
.zip-msg-head {
  margin-bottom: var(--space-3);
}
.zip-msg-head strong {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-ink);
  margin-top: var(--space-1);
}
.zip-msg-actions {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-4);
  flex-wrap: wrap;
}

/* Stats strip */
.stats-strip {
  background: var(--color-ink);
  color: white;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
}
.stat {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(2rem, 1.5rem + 2vw, 3rem);
  font-weight: 300;
  color: white;
  letter-spacing: -0.02em;
  line-height: 1;
}
.stat-label {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.6);
}
@media (max-width: 640px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-6); }
}

/* Section head */
.section-head {
  max-width: 62ch;
}
.section-head .eyebrow { display: block; margin-bottom: var(--space-3); }
.section-head h2 { margin-bottom: var(--space-4); }
.section-lede {
  font-size: var(--text-lg);
  color: var(--color-ink-soft);
}

/* Situation cards */
.situation-card {
  padding: var(--space-8);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  min-height: 240px;
}
.situation-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.situation-icon {
  font-size: 1.75rem;
  color: var(--color-accent);
  line-height: 1;
  margin-bottom: var(--space-2);
}
.situation-card h3 {
  font-size: var(--text-lg);
  font-family: var(--font-display);
  font-weight: 500;
}
.situation-card p {
  font-size: var(--text-sm);
  flex: 1;
}
.situation-card em { font-style: italic; color: var(--color-ink); font-weight: 500; }

/* Timeline */
.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.timeline::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 5%;
  right: 5%;
  height: 1px;
  background: var(--color-line);
  z-index: 0;
}
.timeline-item {
  padding: 0 var(--space-4);
  position: relative;
  z-index: 1;
}
.timeline-date {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-accent);
  background: var(--color-bg-warm);
  padding: 0 var(--space-3);
  display: inline-block;
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  height: 40px;
  line-height: 38px;
  margin-bottom: var(--space-4);
}
.timeline-item--all-year .timeline-date {
  color: var(--color-warm);
  border-color: rgba(176, 136, 56, 0.4);
  background: rgba(217, 191, 122, 0.15);
}
.timeline-body h4 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 500;
  margin-bottom: var(--space-2);
}
.timeline-body p {
  font-size: var(--text-sm);
}
@media (max-width: 800px) {
  .timeline { grid-template-columns: 1fr; gap: var(--space-8); }
  .timeline::before { display: none; }
  .timeline-item { padding: 0; border-left: 2px solid var(--color-line); padding-left: var(--space-6); }
}

/* Carrier cards */
.carriers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}
@media (max-width: 900px) { .carriers-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .carriers-grid { grid-template-columns: 1fr; } }

.carrier-card {
  padding: var(--space-6);
  background: var(--color-bg-elev);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  transition: transform 200ms, border-color 200ms, box-shadow 200ms;
}
.carrier-card:hover { transform: translateY(-2px); border-color: var(--color-ink-mute); box-shadow: var(--shadow); }
.carrier-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--space-3);
}
.carrier-head h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 500;
}
.carrier-tag {
  font-size: var(--text-xs);
  color: var(--color-warm);
  background: rgba(176, 136, 56, 0.10);
  padding: 2px 8px;
  border-radius: 100px;
  white-space: nowrap;
  font-weight: 500;
  height: fit-content;
}
.carrier-stats {
  display: flex;
  gap: var(--space-6);
  padding: var(--space-3) 0;
  border-top: 1px solid var(--color-line-soft);
  border-bottom: 1px solid var(--color-line-soft);
}
.carrier-stats > div {
  font-size: var(--text-sm);
  color: var(--color-ink-soft);
}
.carrier-stats span {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 500;
  color: var(--color-ink);
  line-height: 1;
}
.carrier-card p {
  font-size: var(--text-sm);
  flex: 1;
}
.carrier-all {
  background: transparent;
  border-style: dashed;
  justify-content: center;
  text-align: center;
}

/* States grid */
.states-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
}
@media (max-width: 900px) { .states-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 640px) { .states-grid { grid-template-columns: repeat(2, 1fr); } }

.state-tile {
  padding: var(--space-6);
  background: var(--color-bg-elev);
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  transition: border-color 150ms, transform 150ms;
}
.state-tile:hover { border-color: var(--color-accent); transform: translateY(-1px); text-decoration: none; }
.state-tile strong {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-ink);
}
.state-tile span {
  font-size: var(--text-xs);
  color: var(--color-ink-mute);
  letter-spacing: 0.02em;
}
.state-tile--all {
  background: var(--color-ink);
  border-color: var(--color-ink);
}
.state-tile--all strong, .state-tile--all span { color: white; }
.state-tile--all span { color: rgba(255,255,255,0.6); }

/* Quotes */
.quote {
  padding: var(--space-8);
  background: var(--color-bg-elev);
  border-left: 3px solid var(--color-accent);
  border-radius: 0 var(--radius) var(--radius) 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}
.quote p {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  line-height: 1.5;
  color: var(--color-ink);
  font-weight: 400;
  font-style: italic;
}
.quote footer {
  font-size: var(--text-sm);
  color: var(--color-ink-mute);
}
.quote footer strong { color: var(--color-ink); font-weight: 600; }

/* FAQ */
.faq {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.faq details {
  background: var(--color-bg-elev);
  border: 1px solid var(--color-line);
  border-radius: var(--radius);
  transition: border-color 150ms;
}
.faq details[open] { border-color: var(--color-ink-mute); }
.faq summary {
  padding: var(--space-6);
  cursor: pointer;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--color-accent);
  transition: transform 200ms;
  line-height: 1;
}
.faq details[open] summary::after { content: '−'; }
.faq details > div {
  padding: 0 var(--space-6) var(--space-6);
}

/* Advisor section */
.advisor-section { padding: clamp(var(--space-16), 8vw, var(--space-32)) 0; }
.advisor-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(var(--space-8), 5vw, var(--space-16));
  align-items: center;
}
.advisor-figure {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.advisor-figure img {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  display: block;
}
.advisor-copy .eyebrow { display: block; margin-bottom: var(--space-3); }
.advisor-copy h2 { margin-bottom: var(--space-6); max-width: 22ch; }
.advisor-copy p { margin-bottom: var(--space-4); }
.advisor-facts {
  list-style: none;
  padding: var(--space-6);
  margin: var(--space-6) 0 0;
  background: var(--color-bg-warm);
  border-left: 3px solid var(--color-warm);
  border-radius: 0 var(--radius) var(--radius) 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-ink-soft);
}
.advisor-facts strong { color: var(--color-ink); font-weight: 600; }
@media (max-width: 900px) {
  .advisor-grid { grid-template-columns: 1fr; }
  .advisor-figure { max-height: 480px; }
  .advisor-figure img { aspect-ratio: 3/2; object-position: center 30%; }
}

/* CTA / Lead form */
.cta-section {
  background: var(--color-ink);
  color: white;
  padding: clamp(var(--space-16), 8vw, var(--space-24)) 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 20% 20%, rgba(176, 136, 56, 0.12), transparent 40%);
  pointer-events: none;
}
.cta-section > * { position: relative; }
.cta-head { max-width: 42ch; margin-left: auto; margin-right: auto; }
.cta-section h2 { color: white; }
.cta-section h2 em { color: var(--color-warm-soft); font-style: italic; font-weight: 300; }
.cta-section .cta-head p { color: rgba(255, 255, 255, 0.78); font-size: var(--text-lg); }
.cta-section .eyebrow { color: var(--color-warm-soft); }

.lead-form {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.lead-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}
@media (max-width: 640px) {
  .lead-row { grid-template-columns: 1fr; }
  .lead-form { padding: var(--space-6); }
}
.lead-form label {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.85);
  font-weight: 500;
}
.lead-form input,
.lead-form select {
  padding: 0.75rem 0.875rem;
  font-size: var(--text-base);
  font-family: var(--font-body);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius);
  background: rgba(255,255,255,0.06);
  color: white;
  transition: border-color 150ms, background 150ms;
}
.lead-form input::placeholder { color: rgba(255,255,255,0.4); }
.lead-form input:focus,
.lead-form select:focus {
  outline: none;
  border-color: var(--color-warm-soft);
  background: rgba(255,255,255,0.10);
  box-shadow: 0 0 0 3px rgba(217, 191, 122, 0.18);
}
.lead-form select option { color: var(--color-ink); background: white; }
.lead-full { grid-column: 1 / -1; }
.lead-consent {
  flex-direction: row;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
  font-weight: 400;
}
.lead-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--color-warm);
  flex-shrink: 0;
}
.lead-consent strong { color: white; }
.lead-submit {
  background: var(--color-warm);
  color: var(--color-ink);
  border: none;
  padding: 1rem 1.5rem;
  font-weight: 600;
  font-size: var(--text-base);
  margin-top: var(--space-2);
  transition: background 150ms, transform 150ms;
}
.lead-submit:hover { background: var(--color-warm-soft); transform: translateY(-1px); }
.lead-fine {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.55);
  text-align: center;
  margin-top: var(--space-2);
}
.lead-success {
  background: rgba(59, 122, 90, 0.15);
  border: 1px solid rgba(217, 191, 122, 0.35);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  text-align: center;
  color: white;
  margin-top: var(--space-8);
}
.lead-success h3 { color: white; font-family: var(--font-display); margin-bottom: var(--space-3); }
.lead-success p { color: rgba(255,255,255,0.85); }
.lead-success a { color: var(--color-warm-soft); text-decoration: underline; }