/* Paradigm Insurance — site styles (modern & bold, navy/gold) */
:root {
  --navy: #0B1F3A;
  --navy-deep: #071528;
  --navy-mid: #1A3A5C;
  --gold: #E8A020;
  --gold-light: #F5C060;
  --gold-pale: #FEF6E4;
  --cream: #F7F4EE;
  --white: #FFFFFF;
  --text-dark: #0B1F3A;
  --text-mid: #3A5068;
  --text-light: #6E8399;
  --border: rgba(11,31,58,0.12);
  --shadow: 0 10px 40px rgba(11,31,58,0.12);
  --radius: 16px;
  --font-head: 'Archivo', 'Arial Black', sans-serif;
  --font-body: 'Inter', Arial, sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--text-dark); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
section { padding: 110px 0; }

/* Type */
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); }
.eyebrow::before { content: ''; width: 28px; height: 3px; background: var(--gold); }
h1, h2, h3 { font-family: var(--font-head); line-height: 1.05; letter-spacing: -0.02em; }
h1 { font-size: clamp(42px, 6.4vw, 84px); font-weight: 900; }
h2 { font-size: clamp(34px, 4.4vw, 56px); font-weight: 900; margin: 14px 0 18px; }
h3 { font-size: 24px; font-weight: 800; }
.lead { font-size: 19px; color: var(--text-mid); max-width: 620px; }
.hl { color: var(--gold); }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 16px 28px; border-radius: 10px; font-weight: 700; font-size: 16px; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .15s, background .15s, color .15s; font-family: var(--font-body); }
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); }
.btn-outline { border-color: rgba(255,255,255,.5); color: var(--white); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold-light); }
.btn-navy { background: var(--navy); color: var(--white); }

/* Nav */
.nav { position: sticky; top: 0; z-index: 50; background: var(--navy); border-bottom: 1px solid rgba(255,255,255,.08); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--white); }
.logo-mark { width: 42px; height: 42px; border-radius: 10px; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-family: var(--font-head); font-weight: 900; font-size: 22px; }
.logo-img { height: 46px; width: auto; }
.logo-name { font-family: 'Montserrat', var(--font-head); font-weight: 800; font-size: 22px; letter-spacing: 1px; line-height: 1; }
.logo-sub { font-size: 10px; letter-spacing: 2.6px; font-weight: 700; margin-top: 3px; text-transform: uppercase; color: var(--gold-light); }
.nav-links { display: flex; align-items: center; gap: 26px; }
.nav-links a { color: rgba(255,255,255,.82); text-decoration: none; font-size: 15px; font-weight: 600; }
.nav-links a:hover, .nav-links a.active { color: var(--gold-light); }
.nav-phone { color: var(--white); font-weight: 700; text-decoration: none; white-space: nowrap; }
.nav-toggle { display: none; background: none; border: 0; color: var(--white); font-size: 28px; cursor: pointer; }

/* Hero */
.hero { background: radial-gradient(1200px 600px at 85% 20%, rgba(232,160,32,.16), transparent 60%), var(--navy); color: var(--white); padding: 90px 0 0; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: end; min-height: 640px; }
.hero-copy { align-self: center; }
.hero-copy { padding-bottom: 70px; }
.hero h1 { margin: 18px 0 22px; }
.hero .lead { color: rgba(255,255,255,.78); }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 34px; }
.hero-trust { display: flex; gap: 28px; flex-wrap: wrap; margin-top: 46px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.12); }
.hero-trust div { font-size: 14px; color: rgba(255,255,255,.7); }
.hero-trust strong { display: block; font-family: var(--font-head); font-size: 30px; color: var(--gold); line-height: 1.1; }
.hero-photo { position: relative; align-self: end; }
.hero-photo::before { content: ''; position: absolute; left: 8%; right: 8%; bottom: 0; height: 78%; background: var(--gold); border-radius: 220px 220px 0 0; }
.hero-photo img { position: relative; width: auto; height: auto; max-height: 600px; max-width: 100%; margin: 0 auto; }
.hero-badge { position: absolute; left: 0; bottom: 60px; background: var(--white); color: var(--navy); border-radius: 12px; padding: 14px 18px; box-shadow: var(--shadow); font-size: 13px; }
.hero-badge strong { display: block; font-family: var(--font-head); font-size: 16px; }

/* Services */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; margin-top: 54px; }
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 34px 28px; text-decoration: none; display: flex; flex-direction: column; gap: 14px; transition: transform .2s, box-shadow .2s, border-color .2s; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--gold); }
.card-icon { width: 56px; height: 56px; border-radius: 14px; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 26px; }
.card p { color: var(--text-mid); font-size: 15px; flex: 1; }
.card-link { font-weight: 700; color: var(--navy); }
.card-link::after { content: ' →'; color: var(--gold); }

/* Bond band */
.band-navy { background: var(--navy); color: var(--white); }
.band-navy .lead { color: rgba(255,255,255,.75); }
.split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 64px; align-items: center; }
.checks { list-style: none; display: grid; gap: 12px; margin: 26px 0; }
.checks li { padding-left: 32px; position: relative; font-size: 16px; }
.checks li::before { content: '✓'; position: absolute; left: 0; top: 0; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); color: var(--navy); font-weight: 900; font-size: 13px; display: grid; place-items: center; }
.pills { display: flex; gap: 10px; flex-wrap: wrap; }
.pill { background: rgba(232,160,32,.15); color: var(--gold-light); border: 1px solid rgba(232,160,32,.4); font-size: 12px; font-weight: 700; letter-spacing: 1px; padding: 7px 14px; border-radius: 30px; }
.bond-widget { width: 100%; max-width: 460px; margin: 0 auto; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,.35); color: var(--navy); }
.bond-widget-head { background: var(--gold); color: var(--navy); font-family: var(--font-head); font-weight: 900; font-size: 24px; padding: 20px 24px; }
.bond-widget-body { padding: 26px 24px 28px; }
.bond-widget-body label { display: block; font-weight: 700; font-size: 15px; margin-bottom: 12px; }
.bond-widget form { display: flex; gap: 10px; flex-wrap: wrap; }
.bond-widget input { flex: 1 1 200px; padding: 14px; font-size: 16px; border: 2px solid var(--border); border-radius: 10px; font-family: var(--font-body); }
.bond-widget input:focus { outline: none; border-color: var(--gold); }
.bond-widget small { display: block; margin-top: 14px; color: var(--text-light); font-size: 13px; }
#surety-pro-stepper { display: none; width: 100%; max-width: 800px; margin: 0 auto; background: var(--white); border-radius: var(--radius); overflow: hidden; }
#surety-pro-stepper iframe { width: 100%; height: 720px; border: 0; display: block; }

/* Why */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 50px; }
.why-item { padding: 32px; border-radius: var(--radius); background: var(--cream); }
.why-num { font-family: var(--font-head); font-weight: 900; font-size: 46px; color: var(--gold); line-height: 1; }
.why-item h3 { margin: 14px 0 10px; }
.why-item p { color: var(--text-mid); }

/* Meet */
.meet { background: var(--cream); }
.meet-photo { background: var(--navy); border-radius: 24px; padding-top: 30px; overflow: hidden; max-width: 440px; }
.meet-photo img { margin: 0 auto; max-height: 520px; width: auto; }

/* States + carriers */
.states { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.state { background: var(--navy); color: var(--white); font-family: var(--font-head); font-weight: 800; padding: 14px 22px; border-radius: 12px; font-size: 18px; }
.state span { color: var(--gold); margin-right: 8px; }
.carriers { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.carrier { border: 1px solid var(--border); padding: 12px 20px; border-radius: 10px; font-weight: 700; color: var(--text-mid); background: var(--white); }

/* Quote form */
.quote { background: var(--navy); color: var(--white); }
.quote .split { align-items: start; }
.quote .lead { color: rgba(255,255,255,.75); }
.contact-list { list-style: none; display: grid; gap: 18px; margin-top: 32px; }
.contact-list li { display: flex; gap: 14px; align-items: center; }
.contact-list .ci { width: 48px; height: 48px; border-radius: 12px; background: rgba(232,160,32,.15); display: grid; place-items: center; font-size: 20px; flex-shrink: 0; }
.contact-list small { display: block; color: rgba(255,255,255,.55); font-size: 12px; text-transform: uppercase; letter-spacing: 1px; }
.contact-list a, .contact-list b { color: var(--white); text-decoration: none; font-weight: 700; }
.form-card { background: var(--white); color: var(--navy); border-radius: 20px; padding: 40px 34px; box-shadow: 0 20px 60px rgba(0,0,0,.3); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
.form-grid label { display: block; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--text-mid); margin-bottom: 6px; }
.form-grid input, .form-grid select, .form-grid textarea { width: 100%; padding: 13px 14px; font-size: 16px; border: 2px solid var(--border); border-radius: 10px; font-family: var(--font-body); background: var(--white); color: var(--navy); }
.form-grid textarea { min-height: 110px; resize: vertical; }
.form-grid input:focus, .form-grid select:focus, .form-grid textarea:focus { outline: none; border-color: var(--gold); }
.form-grid .btn { width: 100%; justify-content: center; }

/* Page header (inner pages) */
.page-head { background: var(--navy); color: var(--white); padding: 90px 0 80px; }
.page-head .lead { color: rgba(255,255,255,.78); }

/* Footer */
.footer { background: var(--navy-deep); color: rgba(255,255,255,.7); padding: 70px 0 30px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; }
.footer h4 { color: var(--white); font-family: var(--font-head); font-size: 16px; margin-bottom: 16px; }
.footer ul { list-style: none; display: grid; gap: 10px; }
.footer a { text-decoration: none; }
.footer a:hover { color: var(--gold-light); }
.footer-bottom { margin-top: 50px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 13px; color: rgba(255,255,255,.45); }

/* Responsive */
@media (max-width: 1000px) {
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  section { padding: 76px 0; }
  .nav-links { display: none; position: absolute; top: 76px; left: 0; right: 0; background: var(--navy); flex-direction: column; align-items: flex-start; padding: 20px 24px 28px; gap: 18px; border-bottom: 1px solid rgba(255,255,255,.1); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .nav-phone { display: none; }
  .hero .wrap, .split { grid-template-columns: 1fr; }
  .hero-copy { padding-bottom: 20px; }
  .hero-photo img { max-height: 420px; }
  .hero-badge { bottom: 30px; }
  .grid-3 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-card { padding: 30px 22px; }
}
@media (max-width: 560px) {
  .grid-4, .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 20px; }
}
.page-head + .band-navy { padding-top: 20px; }

.hero-mark { display: grid; place-items: center; align-self: center; padding-bottom: 70px; }
.hero-mark img { width: 100%; max-width: 340px; height: auto; filter: drop-shadow(0 30px 60px rgba(232,160,32,.25)); }
@media (max-width: 860px) { .hero-mark { display: none; } }
.why-item.product { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--border); }
.why-item.product p { flex: 1; }
.why-item.product .card-icon { margin-bottom: 4px; }
.card-quote { margin-top: 20px; align-self: flex-start; padding: 12px 20px; font-size: 15px; }
.card-quote:hover { background: var(--gold); color: var(--navy); }
.form-grid.flash { animation: flash 1.2s ease; }
@keyframes flash { 0%,100% { box-shadow: none; } 30% { box-shadow: 0 0 0 4px var(--gold); border-radius: 12px; } }
@media (prefers-reduced-motion: reduce) { .form-grid.flash { animation: none; } }

.tpmo { margin-top: 36px; font-size: 13px; line-height: 1.6; color: rgba(255,255,255,.7); max-width: 900px; }