/* Kelley Insurance Services — kelleyhealthandlife.com
   Senior-friendly, mobile-first stylesheet. No frameworks. */

:root {
  --navy: #1b3a5c;
  --navy-dark: #122a44;
  --navy-light: #2a5078;
  --gold: #c9a227;
  --gold-dark: #a8861c;
  --gold-light: #f5e9c8;
  --white: #ffffff;
  --offwhite: #f6f8fa;
  --ink: #1c1c1c;
  --muted: #4a5560;
  --border: #d9e0e8;
  --radius: 10px;
  --maxw: 1100px;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}

h1, h2, h3 {
  font-family: Georgia, "Times New Roman", Times, serif;
  color: var(--navy);
  line-height: 1.25;
  margin-top: 0;
}
h1 { font-size: 2rem; margin-bottom: 0.6em; }
h2 { font-size: 1.55rem; margin: 1.6em 0 0.5em; }
h3 { font-size: 1.2rem; margin: 1.3em 0 0.4em; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em 1.2em; padding: 0; }
li { margin-bottom: 0.45em; }
a { color: var(--navy-light); }
a:hover { color: var(--navy); }

img { max-width: 100%; height: auto; display: block; }

/* Accessibility */
.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--gold); color: var(--navy-dark);
  padding: 12px 18px; font-weight: 700; z-index: 200;
}
.skip-link:focus { left: 8px; top: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
section.block { padding: 40px 0; }
.alt-bg { background: var(--offwhite); }

/* ---------- Header / nav ---------- */
.site-header {
  background: var(--navy);
  color: var(--white);
  position: sticky; top: 0; z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; padding: 10px 20px; max-width: var(--maxw); margin: 0 auto;
}
.brand { color: var(--white); text-decoration: none; display: flex; align-items: center; gap: 10px; }
.brand-name { font-family: Georgia, serif; font-size: 1.25rem; font-weight: 700; line-height: 1.2; }
.brand-tag { display: block; font-size: 0.8rem; color: var(--gold-light); font-family: -apple-system, "Segoe UI", sans-serif; font-weight: 400; }

.nav-toggle {
  background: transparent; border: 2px solid var(--gold); color: var(--white);
  border-radius: 8px; min-width: 48px; min-height: 48px; font-size: 1.4rem;
  cursor: pointer; line-height: 1;
}
.main-nav { display: none; background: var(--navy-dark); }
.main-nav.open { display: block; }
.main-nav ul { list-style: none; margin: 0; padding: 8px 20px 16px; }
.main-nav a {
  display: block; color: var(--white); text-decoration: none;
  padding: 14px 4px; font-size: 1.1rem; border-bottom: 1px solid rgba(255,255,255,0.15);
  min-height: 48px;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--gold); }
.header-call { display: none; }

@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .main-nav { display: block !important; background: transparent; }
  .main-nav ul { display: flex; flex-wrap: wrap; gap: 2px; padding: 0; align-items: center; }
  .main-nav a { border: none; padding: 10px 10px; font-size: 0.98rem; white-space: nowrap; }
  .header-call {
    display: inline-flex; align-items: center; justify-content: center;
    background: var(--gold); color: var(--navy-dark); font-weight: 700;
    text-decoration: none; border-radius: 8px; padding: 12px 20px;
    min-height: 48px; font-size: 1.05rem; white-space: nowrap;
  }
  .header-call:hover { background: var(--gold-light); color: var(--navy-dark); }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 56px; padding: 14px 30px; border-radius: 10px;
  font-size: 1.15rem; font-weight: 700; text-decoration: none;
  border: none; cursor: pointer; text-align: center; line-height: 1.3;
}
.btn-gold { background: var(--gold); color: var(--navy-dark); }
.btn-gold:hover { background: var(--gold-dark); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-light); color: var(--white); }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin: 1.4em 0; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); color: var(--white); padding: 48px 0; }
.hero h1 { color: var(--white); font-size: 2.2rem; }
.hero p.lead { font-size: 1.2rem; color: #e8eef4; }
.hero-grid { display: grid; gap: 28px; align-items: center; }
.hero-photo img {
  border-radius: 14px; border: 4px solid var(--gold);
  max-width: 320px; width: 100%; margin: 0 auto;
  box-shadow: 0 8px 24px rgba(0,0,0,0.35);
}
.hero-photo figcaption { text-align: center; color: var(--gold-light); font-size: 0.95rem; margin-top: 10px; }
.trust-badges { display: flex; flex-wrap: wrap; gap: 10px; margin: 1.2em 0; padding: 0; list-style: none; }
.trust-badges li {
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25);
  border-radius: 999px; padding: 8px 16px; font-size: 0.95rem; margin: 0;
}
@media (min-width: 800px) {
  .hero-grid { grid-template-columns: 1.4fr 1fr; }
  .hero h1 { font-size: 2.6rem; }
}

/* ---------- Cards ---------- */
.cards { display: grid; gap: 20px; margin: 1.5em 0; }
@media (min-width: 700px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .cards.cols-3 { grid-template-columns: repeat(3, 1fr); } }
.card {
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px; background: var(--white);
  box-shadow: 0 2px 6px rgba(27,58,92,0.08);
  display: flex; flex-direction: column;
}
.card h3 { margin-top: 0; font-size: 1.3rem; }
.card h3 a { color: var(--navy); text-decoration: none; }
.card h3 a:hover { text-decoration: underline; }
.card p { color: var(--muted); flex-grow: 1; }
.card .btn { margin-top: 10px; align-self: flex-start; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy); color: var(--white); text-align: center; padding: 52px 0; }
.cta-band h2 { color: var(--gold); font-size: 1.8rem; margin-top: 0; }
.cta-band p { color: #e8eef4; font-size: 1.15rem; max-width: 700px; margin: 0 auto 1.4em; }
.phone-big {
  display: inline-block; font-size: 1.9rem; font-weight: 800; color: var(--white);
  text-decoration: none; margin: 0.3em 0 0.8em; letter-spacing: 1px;
}
.phone-big:hover { color: var(--gold); }

/* ---------- FAQ accordion (native details) ---------- */
.faq details {
  border: 1px solid var(--border); border-radius: var(--radius);
  margin-bottom: 12px; background: var(--white); overflow: hidden;
}
.faq summary {
  cursor: pointer; padding: 18px 20px; font-weight: 700; font-size: 1.1rem;
  color: var(--navy); list-style: none; min-height: 48px;
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.6rem; color: var(--gold-dark); flex-shrink: 0; }
.faq details[open] summary::after { content: "–"; }
.faq summary:hover { background: var(--offwhite); }
.faq .faq-a { padding: 0 20px 20px; color: var(--muted); }
.faq .faq-a p:last-child { margin-bottom: 0; }

/* ---------- Steps / lists ---------- */
.steps { counter-reset: step; list-style: none; margin-left: 0; padding: 0; }
.steps li {
  counter-increment: step; position: relative; padding: 6px 0 6px 58px; margin-bottom: 14px;
}
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: 2px;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  font-weight: 700; display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.checklist { list-style: none; margin-left: 0; padding: 0; }
.checklist li { padding-left: 34px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: #1e7a3c; font-weight: 800; font-size: 1.2rem; }

.notice {
  border-left: 5px solid var(--gold); background: var(--gold-light);
  padding: 18px 22px; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.5em 0;
}
.notice strong { color: var(--navy); }
.fineprint { font-size: 0.9rem; color: var(--muted); }

/* ---------- About layout ---------- */
.about-grid { display: grid; gap: 30px; align-items: start; }
.about-grid img { border-radius: 14px; border: 4px solid var(--gold); max-width: 340px; width: 100%; }
@media (min-width: 800px) { .about-grid { grid-template-columns: 340px 1fr; } }

/* ---------- Contact ---------- */
.contact-grid { display: grid; gap: 28px; }
@media (min-width: 800px) { .contact-grid { grid-template-columns: 1fr 1fr; } }
.contact-card {
  background: var(--offwhite); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 30px; text-align: center;
}
.contact-card .phone-big { color: var(--navy); font-size: 1.7rem; }
form.contact-form { display: grid; gap: 16px; max-width: 640px; }
.contact-form label { font-weight: 700; color: var(--navy); display: block; margin-bottom: 6px; }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%; font-size: 1.1rem; padding: 14px; border: 2px solid var(--border);
  border-radius: 8px; font-family: inherit; min-height: 56px; background: var(--white);
}
.contact-form textarea { min-height: 140px; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  border-color: var(--navy-light); outline: 3px solid var(--gold-light);
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-dark); color: #cfd9e3; padding: 44px 0 110px; font-size: 0.98rem; }
.site-footer h3 { color: var(--gold); font-size: 1.1rem; font-family: -apple-system, "Segoe UI", sans-serif; }
.site-footer a { color: #e8eef4; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; gap: 28px; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.15); margin-top: 28px; padding-top: 20px; font-size: 0.88rem; color: #9fb0c1; }

/* ---------- Sticky mobile call button ---------- */
.sticky-call {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 90;
  background: var(--navy-dark); padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
  box-shadow: 0 -2px 10px rgba(0,0,0,0.3);
}
.sticky-call a {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--gold); color: var(--navy-dark); font-weight: 800; font-size: 1.25rem;
  text-decoration: none; border-radius: 10px; min-height: 56px;
}
@media (min-width: 900px) { .sticky-call { display: none; } .site-footer { padding-bottom: 44px; } }

/* ---------- Breadcrumbs ---------- */
.breadcrumbs { font-size: 0.95rem; color: var(--muted); padding: 18px 0 0; }
.breadcrumbs a { color: var(--navy-light); }
.breadcrumbs [aria-current] { color: var(--muted); }

/* ---------- 404 ---------- */
.center { text-align: center; }
.big-404 { font-size: 5rem; color: var(--navy); font-family: Georgia, serif; margin: 0.3em 0 0; }

@media print {
  .sticky-call, .nav-toggle, .site-header .btn { display: none; }
}