/* Wilson Agency — shared styles
   Brand: FD46 / Farmers. Navy #003087, Red #b30032.
   Brand fonts are Cal Sans + Gilroy (Gilroy is commercial); Poppins + Inter
   are the licensed-clean web equivalents used here. */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@500;600;700&family=Inter:wght@400;500;600&display=swap');

:root {
  --navy: #003087;
  --navy-700: #002766;
  --red: #b30032;
  --red-700: #8f0028;
  --ink: #303640;
  --muted: #5c6470;
  --line: #e3e7ee;
  --bg: #ffffff;
  --bg-soft: #f4f6fa;
  --navy-tint: #eaf0f8;
  --maxw: 1120px;
  --radius: 14px;
  --shadow: 0 12px 34px rgba(0, 32, 86, .10);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Poppins', 'Inter', sans-serif;
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -.01em;
}

a { color: var(--navy); }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  padding-top: 12px;
  padding-bottom: 12px;
}
.brand img { height: 60px; width: auto; display: block; }
.nav { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-weight: 500;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 15px;
}
.nav a:hover { background: var(--bg-soft); color: var(--navy); }
.nav a.phone { color: var(--navy); font-weight: 600; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 16px;
  text-decoration: none;
  padding: 14px 26px;
  border-radius: 10px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .06s ease, background .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--red); color: #fff; }
.btn-primary:hover { background: var(--red-700); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-ghost:hover { border-color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-700); }
.btn-lg { font-size: 17px; padding: 16px 32px; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 70%);
  color: #fff;
  position: relative;
  overflow: hidden;
  padding: 0;
}
.hero::after {
  content: "";
  position: absolute;
  right: -60px;
  top: -40px;
  width: 360px;
  height: 360px;
  background: var(--red);
  opacity: .16;
  border-radius: 40px;
  transform: rotate(18deg);
}
.hero .wrap { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: minmax(240px, 380px) 1fr;
  gap: 48px;
  align-items: end;
  padding-top: 64px;
}
.hero-photo { align-self: end; }
.hero-photo img {
  display: block;
  width: 100%;
  height: auto;
  max-height: 500px;
  object-fit: contain;
  object-position: bottom center;
  filter: drop-shadow(0 16px 26px rgba(0, 0, 0, .30));
}
.hero-content { align-self: center; text-align: right; padding: 24px 0 72px; }
.hero .eyebrow {
  font-family: 'Poppins', sans-serif;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: 13px;
  font-weight: 600;
  color: #cdd8ef;
  margin-bottom: 14px;
}
.hero h1 { color: #fff; font-size: clamp(1.9rem, 4.2vw, 3.2rem); }
.hero p.lead { font-size: 1.16rem; color: #dbe3f3; max-width: 52ch; margin: 18px 0 30px auto; }
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; justify-content: flex-end; }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
.section-head { text-align: center; max-width: 60ch; margin: 0 auto 44px; }
.section-head h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); }
.section-head p { color: var(--muted); margin-top: 12px; font-size: 1.05rem; }
.bg-soft { background: var(--bg-soft); }

/* ---------- Lines of business ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
}
.card .ico {
  width: 52px; height: 52px;
  display: grid; place-items: center;
  background: var(--navy-tint);
  border-radius: 12px;
  color: var(--navy);
  margin-bottom: 16px;
}
.card .ico svg { width: 28px; height: 28px; }
.card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .98rem; }

/* ---------- Trust / why ---------- */
.why { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.why ul { list-style: none; margin-top: 20px; display: grid; gap: 16px; }
.why li { display: flex; gap: 14px; align-items: flex-start; }
.why li .check {
  flex: none; width: 26px; height: 26px; border-radius: 50%;
  background: var(--red); color: #fff; display: grid; place-items: center; font-size: 14px;
  margin-top: 2px;
}
.why li b { color: var(--navy); display: block; }
.why .panel {
  background: var(--navy); color: #fff; border-radius: 18px; padding: 36px;
}
.why .panel h3 { color: #fff; font-size: 1.4rem; }
.why .panel .phone-big {
  font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 1.8rem; margin: 14px 0 6px;
}
.why .panel a { color: #fff; }
.why .panel .muted { color: #c7d2e8; font-size: .95rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--red); color: #fff; text-align: center; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3.4vw, 2.2rem); }
.cta-band p { color: #ffe2e9; margin: 10px 0 26px; font-size: 1.08rem; }

/* ---------- Forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 36px; max-width: 720px; margin: 0 auto;
}
.field { margin-bottom: 20px; }
.field label { display: block; font-weight: 600; margin-bottom: 7px; font-size: .95rem; color: var(--ink); }
.field .req { color: var(--red); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; color: var(--ink);
  padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,48,135,.12);
}
.field textarea { min-height: 110px; resize: vertical; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.consent {
  background: var(--bg-soft); border: 1px solid var(--line); border-radius: 10px;
  padding: 16px; display: flex; gap: 12px; align-items: flex-start; margin-bottom: 22px;
}
.consent input[type="checkbox"] { margin-top: 4px; width: 20px; height: 20px; flex: none; }
.consent label { font-size: .86rem; color: var(--muted); line-height: 1.5; }
.consent a { color: var(--navy); }
.form-note { font-size: .85rem; color: var(--muted); margin-top: 14px; text-align: center; }

/* ---------- Legal / long-form ---------- */
.legal { max-width: 820px; margin: 0 auto; }
.legal h1 { font-size: 2.1rem; margin-bottom: 8px; }
.legal .updated { color: var(--muted); font-size: .9rem; margin-bottom: 32px; }
.legal h2 { font-size: 1.3rem; margin: 34px 0 12px; }
.legal p, .legal li { color: var(--ink); margin-bottom: 12px; }
.legal ul { margin: 0 0 12px 22px; }
.legal .callout {
  background: var(--navy-tint); border-left: 4px solid var(--navy);
  padding: 16px 18px; border-radius: 8px; margin: 18px 0;
}

/* ---------- Page hero (sub pages) ---------- */
.page-hero { background: var(--navy); color: #fff; }
.page-hero .wrap { padding: 56px 24px; }
.page-hero h1 { color: #fff; font-size: clamp(1.8rem, 4vw, 2.6rem); }
.page-hero p { color: #dbe3f3; margin-top: 10px; max-width: 60ch; }

/* ---------- Thank you ---------- */
.thanks { text-align: center; max-width: 600px; margin: 0 auto; padding: 40px 0; }
.thanks .big-check {
  width: 84px; height: 84px; border-radius: 50%; background: var(--navy-tint);
  color: var(--navy); display: grid; place-items: center; margin: 0 auto 22px;
}
.thanks h1 { font-size: 2.1rem; }
.thanks p { color: var(--muted); font-size: 1.08rem; margin: 14px 0 28px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #cdd8ef; padding: 52px 0 28px; font-size: .95rem; }
.footer-logo {
  display: inline-block;
  background: #fff;
  padding: 14px 22px;
  border-radius: 12px;
  margin-bottom: 34px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, .18);
}
.footer-logo img { height: 56px; width: auto; display: block; }
.site-footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 36px; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.site-footer a { color: #cdd8ef; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.site-footer .agency-name { color: #fff; font-family: 'Poppins', sans-serif; font-weight: 600; font-size: 1.05rem; margin-bottom: 8px; }
.site-footer ul { list-style: none; display: grid; gap: 8px; }
.site-footer .legal-line {
  border-top: 1px solid rgba(255,255,255,.16); margin-top: 36px; padding-top: 20px;
  color: #9fb2d6; font-size: .82rem; line-height: 1.6;
}

/* ---------- Responsive ---------- */
@media (max-width: 760px) {
  .hero-grid { grid-template-columns: 1fr; gap: 0; padding-top: 40px; }
  .hero-content { order: 1; text-align: center; padding: 8px 0 26px; align-self: auto; }
  .hero h1 { font-size: clamp(1.8rem, 7vw, 2.6rem); }
  .hero p.lead { margin-left: auto; margin-right: auto; }
  .hero .cta-row { justify-content: center; }
  .hero-photo { order: 2; align-self: center; max-width: 300px; margin: 0 auto; }
  .hero-photo img { max-height: 380px; }
}
@media (max-width: 900px) {
  .cards { grid-template-columns: 1fr 1fr; }
  .why { grid-template-columns: 1fr; }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .brand img { height: 50px; }
  .footer-logo img { height: 48px; }
  .cards { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .form-card { padding: 24px; }
  section { padding: 56px 0; }
  .nav a { padding: 6px 9px; font-size: 14px; }
}