/* ==========================================================================
   UCB Insurance — shared stylesheet
   Warm, professional, agricultural palette
   ========================================================================== */

:root {
  --green-900: #24361f;
  --green-800: #2f4a2b;
  --green-700: #3a5a34;
  --green-600: #4a6b41;
  --green-100: #e7eee2;
  --gold-600: #b8842b;
  --gold-500: #cf9a34;
  --gold-400: #e2b355;
  --wheat: #f3e9d2;
  --cream: #faf6ec;
  --paper: #ffffff;
  --ink: #2a2822;
  --ink-soft: #55524a;
  --line: #e4ddcb;
  --shadow: 0 6px 24px rgba(36, 54, 31, 0.10);
  --shadow-sm: 0 2px 10px rgba(36, 54, 31, 0.08);
  --radius: 14px;
  --radius-sm: 9px;
  --wrap: 1140px;
  --font: "Segoe UI", Roboto, "Helvetica Neue", Arial, system-ui, sans-serif;
  --serif: "Georgia", "Times New Roman", serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--serif); color: var(--green-800); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { font-size: 1.28rem; }
p { margin: 0 0 1rem; }
a { color: var(--green-700); text-decoration: none; }
a:hover { color: var(--gold-600); }
img { max-width: 100%; display: block; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }

.eyebrow {
  display: inline-block;
  font-family: var(--font);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: .7rem;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: .82rem 1.6rem;
  border-radius: 40px;
  font-weight: 700;
  font-size: .98rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform .12s ease, box-shadow .18s ease, background .18s ease;
}
.btn-primary { background: var(--gold-500); color: #3a2a08; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--gold-400); color: #3a2a08; transform: translateY(-2px); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.65); }
.btn-ghost:hover { background: rgba(255,255,255,.14); color: #fff; }
.btn-green { background: var(--green-700); color: #fff; }
.btn-green:hover { background: var(--green-800); color: #fff; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--green-700); border-color: var(--green-600); }
.btn-outline:hover { background: var(--green-700); color: #fff; transform: translateY(-2px); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 24px; max-width: var(--wrap); margin: 0 auto;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand .mark { flex: none; }
.brand-logo { height: 50px; width: auto; display: block; }
.brand .name { font-family: var(--serif); font-weight: 700; font-size: 1.35rem; color: var(--green-800); line-height: 1; }
.brand .sub { display: block; font-family: var(--font); font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-600); font-weight: 700; margin-top: 3px; }
@media (max-width: 560px) { .brand-logo { height: 42px; } }

.nav-links { display: flex; align-items: center; gap: 6px; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  display: block; padding: .5rem .85rem; border-radius: 8px;
  font-weight: 600; color: var(--ink); font-size: .97rem;
}
.nav-links a:hover { background: var(--green-100); color: var(--green-800); }
.nav-links a.active { color: var(--green-800); background: var(--green-100); }
.nav-cta { margin-left: 6px; }

.nav-toggle {
  display: none; background: none; border: 0; cursor: pointer;
  padding: 8px; border-radius: 8px;
}
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--green-800); margin: 5px 0; border-radius: 2px; transition: .2s; }

/* ---------- Hero ---------- */
.hero {
  position: relative; color: #fff; overflow: hidden;
  background: linear-gradient(135deg, var(--green-800) 0%, var(--green-600) 60%, #6d7f43 100%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; opacity: .16; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='90' viewBox='0 0 60 90'%3E%3Cg fill='none' stroke='%23ffffff' stroke-width='1.4' stroke-linecap='round'%3E%3Cpath d='M30 88 V40'/%3E%3Cpath d='M30 52 q-9 -6 -12 -16'/%3E%3Cpath d='M30 52 q9 -6 12 -16'/%3E%3Cpath d='M30 44 q-8 -6 -10 -15'/%3E%3Cpath d='M30 44 q8 -6 10 -15'/%3E%3Cpath d='M30 37 q-6 -5 -7 -13'/%3E%3Cpath d='M30 37 q6 -5 7 -13'/%3E%3C/g%3E%3C/svg%3E");
  background-size: 60px 90px;
}
.hero .wrap { position: relative; z-index: 1; padding-top: 80px; padding-bottom: 90px; }
.hero h1 { color: #fff; max-width: 16ch; }
.hero p.lead { font-size: 1.2rem; max-width: 52ch; color: #f2f0e6; }
.hero .hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 26px; }
.hero-sub { max-width: 640px; }

/* ---------- Sections ---------- */
.section { padding: 74px 0; }
.section.tint { background: var(--paper); }
.section.wheat { background: var(--wheat); }
.section-head { max-width: 720px; margin-bottom: 44px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.lead { font-size: 1.12rem; color: var(--ink-soft); }

/* ---------- Grid / Cards ---------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 30px 28px; box-shadow: var(--shadow-sm);
  transition: transform .15s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card .ic {
  width: 52px; height: 52px; border-radius: 12px; display: grid; place-items: center;
  background: var(--green-100); margin-bottom: 16px;
}
.card .ic svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: .4rem; }
.card p { color: var(--ink-soft); margin-bottom: 0; font-size: .98rem; }

.feature-card { border-top: 4px solid var(--gold-500); }

/* ---------- Split / media rows ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.panel {
  border-radius: var(--radius); min-height: 320px; box-shadow: var(--shadow);
  background: linear-gradient(150deg, var(--green-700), #7c8b4c);
  position: relative; overflow: hidden;
}
.panel.gold { background: linear-gradient(150deg, var(--gold-500), #a9722a); }
.panel-illustration { position: absolute; inset: 0; display: grid; place-items: center; }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat .num { font-family: var(--serif); font-size: 2.4rem; color: var(--gold-600); font-weight: 700; }
.stat .lbl { font-size: .92rem; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .06em; }

/* ---------- Callout / CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--green-800), var(--green-600));
  color: #fff; text-align: center; padding: 66px 0;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #eef0e6; max-width: 56ch; margin: 0 auto 26px; font-size: 1.1rem; }

/* ---------- Location cards ---------- */
.loc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.loc-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.loc-card .loc-banner { height: 8px; background: linear-gradient(90deg, var(--green-700), var(--gold-500)); }
.loc-card .loc-body { padding: 28px; }
.loc-card h3 { margin-bottom: .3rem; }
.loc-line { display: flex; gap: 12px; align-items: flex-start; margin: .55rem 0; color: var(--ink-soft); }
.loc-line svg { flex: none; width: 20px; height: 20px; margin-top: 3px; color: var(--gold-600); }
.loc-line a { font-weight: 600; }
.map-embed { width: 100%; border: 0; border-top: 1px solid var(--line); display: block; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .92rem; color: var(--green-800); }
.field input, .field select, .field textarea {
  font-family: inherit; font-size: 1rem; padding: .7rem .85rem;
  border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--green-600); box-shadow: 0 0 0 3px rgba(74,107,65,.15);
}
.field textarea { resize: vertical; min-height: 130px; }

/* ---------- Lists ---------- */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 34px; margin-bottom: .8rem; color: var(--ink-soft); }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--green-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233a5a34' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/13px no-repeat;
}

/* ---------- Placeholder marker ---------- */
.ph {
  background: #fff6dd; border: 1px dashed var(--gold-500); color: #7a5a12;
  padding: .05em .45em; border-radius: 5px; font-size: .92em; font-weight: 600;
}

/* ---------- Breadcrumb / page header ---------- */
.page-head {
  background: linear-gradient(135deg, var(--green-800), var(--green-600));
  color: #fff; padding: 62px 0 56px; position: relative; overflow: hidden;
}
.page-head::after {
  content: ""; position: absolute; inset: 0; opacity: .12;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='90' viewBox='0 0 60 90'%3E%3Cg fill='none' stroke='%23ffffff' stroke-width='1.4' stroke-linecap='round'%3E%3Cpath d='M30 88 V40'/%3E%3Cpath d='M30 52 q-9 -6 -12 -16'/%3E%3Cpath d='M30 52 q9 -6 12 -16'/%3E%3Cpath d='M30 44 q-8 -6 -10 -15'/%3E%3Cpath d='M30 44 q8 -6 10 -15'/%3E%3C/g%3E%3C/svg%3E");
  background-size: 60px 90px;
}
.page-head .wrap { position: relative; z-index: 1; }
.page-head h1 { color: #fff; margin-bottom: .35rem; }
.page-head p { color: #eef0e6; margin: 0; max-width: 60ch; }

/* ---------- Team ---------- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.team-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; text-align: center; box-shadow: var(--shadow-sm); }
.avatar { width: 92px; height: 92px; border-radius: 50%; margin: 0 auto 14px; display: grid; place-items: center; background: var(--green-100); color: var(--green-700); font-family: var(--serif); font-size: 2rem; font-weight: 700; overflow: hidden; }
.avatar img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.team-card h3 { margin-bottom: .1rem; }
.team-card .role { color: var(--gold-600); font-weight: 600; font-size: .9rem; margin-bottom: .6rem; }
.team-card p { color: var(--ink-soft); font-size: .95rem; margin-bottom: 0; }

/* ---------- Photos / media ---------- */
.photo { position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); background: var(--green-100); min-height: 340px; margin: 0; }
.photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.photo .photo-real { z-index: 2; }
.media-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.media-3 .photo { min-height: 210px; }
.media-item .cap { text-align: center; font-weight: 700; color: var(--green-800); margin-top: 12px; }
.media-item .cap span { display: block; font-weight: 400; color: var(--ink-soft); font-size: .9rem; }
.hero-media { position: absolute; inset: 0; z-index: 0; }
.hero-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-media .photo-real { z-index: 1; }
.hero-overlay { position: absolute; inset: 0; z-index: 1; background: linear-gradient(120deg, rgba(31,47,26,.90) 0%, rgba(47,74,43,.74) 55%, rgba(74,90,50,.60) 100%); }
@media (max-width: 900px) { .media-3 { grid-template-columns: 1fr 1fr; } .photo { min-height: 260px; } }
@media (max-width: 560px) { .media-3 { grid-template-columns: 1fr; } }

/* ---------- Carriers ---------- */
.carrier-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; align-items: stretch; }
.carrier {
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  min-height: 104px; display: flex; flex-direction: column; align-items: center; justify-content: center;
  padding: 18px 16px; box-shadow: var(--shadow-sm); text-align: center; gap: 4px;
  transition: transform .15s ease, box-shadow .2s ease;
}
.carrier:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.carrier img { max-height: 54px; max-width: 100%; width: auto; object-fit: contain; }
.carrier-name { font-family: var(--serif); font-weight: 700; color: var(--green-800); font-size: 1.02rem; line-height: 1.18; }
.carrier .tag { display: block; font-family: var(--font); font-size: .68rem; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-600); font-weight: 700; margin-top: 3px; }
.carrier--dark { background: var(--green-800); border-color: var(--green-800); }
.carrier--dark .carrier-name { color: #fff; }
.carrier-note { text-align: center; color: var(--ink-soft); font-size: .95rem; margin-top: 22px; }
@media (max-width: 900px) { .carrier-strip { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 560px) { .carrier-strip { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Footer ---------- */
.site-footer { background: var(--green-900); color: #d8dccf; padding: 56px 0 26px; }
.site-footer a { color: #d8dccf; }
.site-footer a:hover { color: var(--gold-400); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 34px; }
.site-footer h4 { color: #fff; font-family: var(--font); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: .5rem; }
.footer-brand .name { font-family: var(--serif); font-size: 1.4rem; color: #fff; }
.footer-brand p { font-size: .95rem; color: #b9bfae; margin-top: 10px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 40px; padding-top: 20px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .86rem; color: #9ba491; }

/* ---------- Utilities ---------- */
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.narrow { max-width: 760px; margin-left: auto; margin-right: auto; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column;
    align-items: stretch; background: var(--paper); border-bottom: 1px solid var(--line);
    padding: 10px 16px 18px; gap: 2px; box-shadow: var(--shadow); display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: .75rem .6rem; }
  .nav-cta { margin: 8px 0 0; text-align: center; }
  .nav-toggle { display: block; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 30px; }
  .panel { min-height: 240px; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 26px; }
  .loc-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .hero .wrap { padding-top: 56px; padding-bottom: 64px; }
  .section { padding: 54px 0; }
}