/* Libertas Insurance — www stylesheet. Brand tokens mirror index_QUOTE. */
:root{
  --navy:#1a2744;--navy-l:#243460;--blue:#2a4a8c;
  --gold:#c8972a;--gold-l:#e8b84b;
  --cream:#faf8f4;--cream-d:#f0ede6;
  --text:#1a1a2e;--muted:#6b7280;
  --border:#e2ddd6;
  --sh:0 4px 24px rgba(26,39,68,.10);
  --sh-lg:0 12px 48px rgba(26,39,68,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',-apple-system,BlinkMacSystemFont,sans-serif;background:var(--cream);color:var(--text);line-height:1.6}
img{max-width:100%}
a{color:var(--blue)}
h1,h2,h3{line-height:1.2;color:var(--navy);font-weight:700}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}

/* HEADER */
.hdr{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.06)}
.hdr-in{max-width:1080px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:0 24px;height:68px;gap:16px}
.hdr-logo img{height:38px;width:auto;display:block}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--navy);text-decoration:none;font-weight:500;font-size:15px;white-space:nowrap}
.nav a:hover{color:var(--gold)}
.btn{display:inline-block;white-space:nowrap;background:var(--gold);color:#fff !important;font-weight:700;text-decoration:none;padding:11px 22px;border-radius:8px;border:none;font-size:15px;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--gold-l)}
.btn-lg{padding:15px 32px;font-size:17px;border-radius:10px}
.btn-ghost{background:transparent;border:2px solid rgba(255,255,255,.55);color:#fff !important;font-weight:600}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy)}
.btn-navy:hover{background:var(--navy-l)}
.nav-toggle{display:none}
.nav-burger{display:none;cursor:pointer;width:30px;height:24px;position:relative;flex-shrink:0}
.nav-burger span{position:absolute;left:0;width:100%;height:3px;background:var(--navy);border-radius:2px;transition:.2s}
.nav-burger span:nth-child(1){top:0}.nav-burger span:nth-child(2){top:10px}.nav-burger span:nth-child(3){top:20px}
@media(max-width:880px){
  .nav-burger{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 24px;gap:16px;border-bottom:1px solid var(--border);box-shadow:var(--sh-lg)}
  .nav-toggle:checked ~ .nav{display:flex}
}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-l) 60%,var(--blue) 100%);color:#fff;padding:72px 0 64px}
.hero h1{color:#fff;font-size:clamp(30px,4.6vw,48px);max-width:720px;letter-spacing:-.5px}
.hero p.sub{font-size:clamp(16px,2vw,20px);color:rgba(255,255,255,.85);max-width:640px;margin:18px 0 30px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.trust{display:flex;gap:10px 28px;flex-wrap:wrap;margin-top:38px;color:rgba(255,255,255,.78);font-size:14px;font-weight:500}
.trust span::before{content:"✓ ";color:var(--gold-l);font-weight:700}

/* PAGE HERO (interior) */
.phero{background:linear-gradient(135deg,var(--navy),var(--navy-l));color:#fff;padding:48px 0 42px}
.phero h1{color:#fff;font-size:clamp(26px,3.6vw,38px)}
.phero p{color:rgba(255,255,255,.82);max-width:680px;margin-top:12px;font-size:17px}
.crumb{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:14px}
.crumb a{color:rgba(255,255,255,.75);text-decoration:none}

/* SECTIONS */
section{padding:56px 0}
section.alt{background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.kicker{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:13px;margin-bottom:10px}
h2.sec{font-size:clamp(24px,3vw,32px);margin-bottom:14px}
.lede{color:var(--muted);max-width:680px;margin-bottom:34px;font-size:17px}

/* CARDS */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px;box-shadow:var(--sh);display:flex;flex-direction:column}
section.alt .card{background:var(--cream)}
.card h3{font-size:19px;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px;flex:1}
.card .more{margin-top:14px;font-weight:600;text-decoration:none;font-size:15px}
.card .ic{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:12px;background:rgba(200,151,42,.12);color:var(--gold);margin-bottom:16px}
.card .ic svg{width:26px;height:26px}

/* STEPS */
.steps{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));counter-reset:step}
.step{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px;box-shadow:var(--sh)}
.step::before{counter-increment:step;content:counter(step);display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold-l);font-weight:700;font-size:17px;margin-bottom:14px}
.step h3{font-size:18px;margin-bottom:6px}
.step p{color:var(--muted);font-size:15px}

/* PROSE (interior body copy) */
.prose{max-width:760px}
.prose h2{font-size:24px;margin:36px 0 12px}
.prose h3{font-size:19px;margin:26px 0 8px}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 16px 22px}
.prose li{margin-bottom:8px}
.prose .note{background:#fff;border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:16px 20px;box-shadow:var(--sh);margin:22px 0;font-size:15px}

/* FAQ */
.faq{max-width:760px}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:12px;box-shadow:var(--sh)}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:16px}
.faq details p{margin-top:10px;color:var(--muted);font-size:15px}

/* CTA BAND */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;text-align:center;padding:60px 24px}
.cta-band h2{color:#fff;font-size:clamp(24px,3.2vw,34px);margin-bottom:12px}
.cta-band p{color:rgba(255,255,255,.82);margin-bottom:26px;font-size:17px}
.cta-band .hero-ctas{justify-content:center}

/* FORM */
form.contact{max-width:620px;display:grid;gap:14px}
form.contact label{font-weight:600;font-size:14px;color:var(--navy)}
form.contact input,form.contact select,form.contact textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-family:inherit;font-size:15px;background:#fff;margin-top:5px}
form.contact .consent{font-size:13px;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
form.contact .consent input{width:auto;margin-top:3px}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.75);padding:54px 0 30px;font-size:14px}
.f-grid{display:grid;gap:34px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));margin-bottom:36px}
.f-grid h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.f-grid a{display:block;color:rgba(255,255,255,.75);text-decoration:none;margin-bottom:9px}
.f-grid a:hover{color:var(--gold-l)}
.f-cities{font-size:13px;color:rgba(255,255,255,.55);border-top:1px solid rgba(255,255,255,.14);padding-top:22px;margin-bottom:22px;line-height:2}
.f-cities a{color:rgba(255,255,255,.55);text-decoration:none;margin-right:14px}
.f-cities a:hover{color:var(--gold-l)}
.f-license{font-size:12px;color:rgba(255,255,255,.45);margin-bottom:18px;letter-spacing:.01em}
.f-legal{display:flex;flex-wrap:wrap;gap:8px 22px;align-items:center;border-top:1px solid rgba(255,255,255,.14);padding-top:22px;font-size:13px;color:rgba(255,255,255,.5)}
.f-legal a{color:rgba(255,255,255,.6);text-decoration:none}
table.simple{border-collapse:collapse;width:100%;margin:0 0 16px}
table.simple th,table.simple td{border:1px solid var(--border);padding:10px 14px;text-align:left;font-size:15px}
table.simple th{background:var(--cream-d);color:var(--navy)}

/* CHAT WIDGET — floating launcher that lazy-loads the Libertas assistant.
   The assistant runs in an iframe on its own origin (quote.libertasinsurance.com),
   so it works on any host this site is deployed to, including a test domain. */
#lib-chat-launch{position:fixed;right:20px;bottom:20px;z-index:9998;display:inline-flex;align-items:center;gap:9px;background:var(--gold);color:#fff;border:none;border-radius:999px;padding:13px 20px 13px 16px;font-family:inherit;font-weight:700;font-size:15px;line-height:1;cursor:pointer;box-shadow:0 8px 28px rgba(26,39,68,.28);transition:background .15s,transform .15s}
#lib-chat-launch:hover{background:var(--gold-l);transform:translateY(-1px)}
#lib-chat-launch svg{width:22px;height:22px}
#lib-chat-launch.lib-hide{display:none}
#lib-chat-panel{position:fixed;right:20px;bottom:20px;z-index:9999;width:390px;max-width:calc(100vw - 32px);height:640px;max-height:calc(100vh - 40px);background:#fff;border-radius:16px;overflow:hidden;display:none;flex-direction:column;box-shadow:0 18px 60px rgba(26,39,68,.34);border:1px solid var(--border)}
#lib-chat-panel.lib-open{display:flex}
.lib-chat-head{display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--navy);color:#fff;padding:13px 14px 13px 18px;flex-shrink:0}
.lib-chat-title{display:flex;flex-direction:column;line-height:1.3}
.lib-chat-title strong{font-size:15px}
.lib-chat-title span{font-size:12px;color:rgba(255,255,255,.7)}
.lib-chat-x{background:transparent;border:none;color:#fff;cursor:pointer;padding:6px;border-radius:8px;display:inline-flex;line-height:0}
.lib-chat-x:hover{background:rgba(255,255,255,.14)}
.lib-chat-x svg{width:20px;height:20px}
.lib-chat-body{position:relative;flex:1;background:var(--cream)}
.lib-chat-body iframe{width:100%;height:100%;border:0;display:block}
.lib-chat-loading{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;padding:24px;text-align:center;color:var(--muted);font-size:14px}
@media(max-width:480px){
  #lib-chat-panel{right:0;bottom:0;width:100vw;max-width:100vw;height:100dvh;max-height:100dvh;border-radius:0;border:none}
  #lib-chat-launch{right:14px;bottom:14px}
}
@media print{#lib-chat-launch,#lib-chat-panel{display:none !important}}

/* ===== Cowork build: layout polish on top of brand tokens ===== */
.hero{position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(232,184,75,.18),transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:44px;align-items:center;position:relative;z-index:1}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:30px}}
.quote-card{background:#fff;color:var(--text);border-radius:18px;padding:28px;box-shadow:var(--sh-lg)}
.quote-card .qc-k{color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.1em;font-size:12px;margin-bottom:8px}
.quote-card h2{font-size:23px;margin-bottom:8px}
.quote-card p{color:var(--muted);font-size:15px;margin-bottom:18px}
.quote-card .btn{display:block;text-align:center;margin-bottom:10px}
.quote-card .qc-foot{font-size:14px;color:var(--muted);margin-top:6px;text-align:center}
.check{list-style:none;margin:0 0 16px;padding:0}
.check li{position:relative;padding:6px 0 6px 30px;color:var(--text)}
.check li::before{content:"✓";position:absolute;left:0;top:6px;color:var(--gold);font-weight:800}
.lead-in{font-size:18px;color:var(--text);font-weight:500;max-width:760px;margin-bottom:18px}
.split{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.panel{background:#fff;border:1px solid var(--border);border-radius:16px;padding:30px;box-shadow:var(--sh)}
.panel.dark{background:#0e1830;border-color:#1d2b4d}
.panel.dark h3,.panel.dark p,.panel.dark li,.panel.dark .muted{color:#e7eefb}
.panel.dark .muted{color:#9fb3d8}
.eyebrow-pill{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px;background:rgba(200,151,42,.14);color:var(--gold);margin-bottom:14px}
.panel.dark .eyebrow-pill{background:rgba(232,184,75,.18);color:var(--gold-l)}
pre.code{background:#0b1326;color:#cfe0ff;border-radius:12px;padding:18px 20px;overflow:auto;font-size:13px;line-height:1.6;border:1px solid #1d2b4d;font-family:ui-monospace,Menlo,monospace}
.toollist{list-style:none;margin:0;padding:0}
.toollist li{padding:11px 0;border-bottom:1px solid var(--border)}
.toollist li:last-child{border-bottom:none}
.toollist code{background:var(--cream-d);padding:2px 8px;border-radius:6px;font-weight:700;color:var(--navy);font-size:14px}
.toollist em{display:block;color:var(--muted);font-size:14px;margin-top:3px;font-style:normal}
.statrow{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}
.stat{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;text-align:center;box-shadow:var(--sh)}
.stat b{display:block;font-size:28px;color:var(--navy)}
.stat span{color:var(--muted);font-size:14px}
.ways{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.tag{display:inline-block;background:var(--navy);color:#fff;font-size:12px;font-weight:700;padding:4px 10px;border-radius:6px;margin-bottom:12px}
.card.feature{border-top:3px solid var(--gold)}
.inline-cta{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0 4px}
.subnav{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.subnav a{font-size:14px;font-weight:600;color:var(--navy);background:#fff;border:1px solid var(--border);border-radius:999px;padding:7px 14px;text-decoration:none}
.subnav a:hover{border-color:var(--gold);color:var(--gold)}