/* Harbor Group USA - State Farm benefits campaign microsite
   No dependencies. System font stack. Trust-led palette:
   white 60%, navy 25%, cool gray-blue 10%, red accent 5%. */

:root {
  --navy: #102a43;
  --navy-deep: #071b2e;
  --slate: #486581;
  --ink: #102a43;
  --body: #334e68;
  --muted: #627d98;
  --line: #d9e2ec;
  --paper: #ffffff;
  --paper-alt: #f2f6f9;
  --accent: #c62828;
  --accent-dark: #9f1d1d;
  --ok: #2e6b46;
  --no: #8a3b34;
  --max-width: 1080px;
  --narrow-width: 780px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 17px;
  line-height: 1.65;
}

h1,
h2,
h3,
.brand,
.btn,
.eyebrow,
.header-cta,
.text-link,
.hero-note,
.step-number,
.opportunity-ask,
.final-cta-note,
.footer-contact,
.footer-links,
.footer-disclaimers {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

h1,
h2,
h3 {
  color: var(--ink);
  line-height: 1.25;
  margin-top: 0;
}

a:focus-visible,
summary:focus-visible {
  outline: 3px solid #4d90c2;
  outline-offset: 4px;
}

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

.container.narrow {
  max-width: var(--narrow-width);
}

/* Header */

.site-header {
  background: var(--navy-deep);
  border-bottom: 3px solid var(--accent);
}

.header-inner {
  align-items: center;
  display: flex;
  gap: 16px;
  justify-content: space-between;
  padding-bottom: 14px;
  padding-top: 14px;
}

.brand {
  align-items: center;
  color: inherit;
  display: flex;
  gap: 12px;
  min-width: 0;
  text-decoration: none;
}

.brand-mark {
  align-items: center;
  background: var(--accent);
  border-radius: 4px;
  color: #ffffff;
  display: inline-flex;
  flex: 0 0 42px;
  font-size: 15px;
  font-weight: 700;
  height: 42px;
  justify-content: center;
  letter-spacing: 0.5px;
  width: 42px;
}

.brand-name {
  color: #f0f3f6;
  font-size: 16px;
  font-weight: 600;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.header-cta {
  border: 1px solid #829ab1;
  border-radius: 4px;
  color: #f0f3f6;
  font-size: 14px;
  font-weight: 600;
  padding: 8px 16px;
  text-decoration: none;
  white-space: nowrap;
}

.header-cta:hover {
  border-color: var(--accent);
  color: #ffffff;
}

/* Hero */

.hero {
  background: linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #d9e8f2;
  padding: 72px 0 64px;
}

.eyebrow {
  color: #b9d2e5;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 1.5px;
  margin: 0 0 16px;
  text-transform: uppercase;
}

.hero h1 {
  color: #ffffff;
  font-size: 40px;
  margin-bottom: 20px;
  max-width: 20em;
}

.hero-sub {
  color: #d9e8f2;
  font-size: 19px;
  margin: 0 0 32px;
  max-width: 40em;
}

.hero-actions {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 14px 22px;
  margin-bottom: 20px;
}

.hero-note {
  color: #b9d2e5;
  font-size: 13.5px;
  margin: 0;
}

/* Buttons and links */

.btn {
  border: 1px solid transparent;
  border-radius: 4px;
  cursor: pointer;
  display: inline-block;
  font-size: 16px;
  font-weight: 600;
  padding: 13px 26px;
  text-decoration: none;
}

.btn-primary {
  background: var(--accent);
  color: #ffffff;
}

.btn-primary:hover {
  background: var(--accent-dark);
}

.btn-large {
  font-size: 18px;
  padding: 15px 34px;
}

.text-link {
  color: #e2e8ee;
  font-size: 15px;
  font-weight: 600;
  text-underline-offset: 4px;
}

.text-link:hover {
  color: #ffffff;
}

/* Sections */

.section {
  padding: 64px 0;
}

.section-alt {
  background: var(--paper-alt);
  border-bottom: 1px solid var(--line);
  border-top: 1px solid var(--line);
}

.section h2 {
  font-size: 29px;
  margin-bottom: 18px;
}

.section-lede {
  color: var(--slate);
  font-size: 18px;
  max-width: 42em;
}

/* Plan summary and optional details */

.plans-section {
  background: #ffffff;
}

.plans-intro {
  margin-bottom: 32px;
  max-width: 760px;
}

.plans-section .eyebrow,
.plan-label {
  color: var(--accent-dark);
}

.plan-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.plan-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(16, 42, 67, 0.08);
  padding: 22px;
}

.plan-card-featured {
  border-top: 5px solid var(--accent);
  padding-top: 18px;
}

.plan-label {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 12px;
  font-weight: 750;
  letter-spacing: 0.08em;
  margin: 0 0 7px;
  text-transform: uppercase;
}

.plan-card h3 {
  font-size: 19px;
  margin-bottom: 0;
}

.plan-price {
  color: var(--navy);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 14px;
  margin: 16px 0;
}

.plan-price span {
  display: block;
  font-size: 30px;
  font-weight: 800;
  line-height: 1;
}

.plan-card dl {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  margin: 0;
}

.plan-card dl div {
  border-top: 1px solid #e7ebef;
  display: flex;
  font-size: 13px;
  gap: 10px;
  justify-content: space-between;
  padding: 11px 0;
}

.plan-card dt {
  color: var(--muted);
}

.plan-card dd {
  color: var(--ink);
  font-weight: 700;
  margin: 0;
  text-align: right;
}

.plan-summary-note {
  color: var(--muted);
  font-size: 15px;
  margin: 18px 0 24px;
}

.plan-details {
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
}

.plan-details summary {
  color: var(--ink);
  cursor: pointer;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  font-weight: 700;
  list-style-position: inside;
  padding: 18px 20px;
}

.plan-details[open] summary {
  border-bottom: 1px solid var(--line);
}

.plan-details-body {
  padding: 20px;
}

.btn-secondary {
  background: var(--navy);
  color: #ffffff;
  margin: 0 0 20px;
}

.btn-secondary:hover {
  background: var(--navy-deep);
}

.plan-comparison-image {
  display: block;
}

.plan-comparison-image img {
  border: 1px solid var(--line);
  border-radius: 6px;
  display: block;
  height: auto;
  width: 100%;
}

.pricing-disclaimer {
  color: var(--muted);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 13px;
  line-height: 1.6;
  margin: 20px 0 0;
}

/* Review cards */

.grid {
  display: grid;
  gap: 20px;
  margin-top: 28px;
}

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 4px;
  border-top: 3px solid var(--navy);
  padding: 22px 24px;
}

.card h3 {
  font-size: 17px;
  margin-bottom: 8px;
}

.card p {
  color: var(--body);
  font-size: 15.5px;
  margin: 0;
}

/* Three-step process */

.process-section {
  background: var(--paper-alt);
  border-top: 1px solid var(--line);
}

.steps {
  display: grid;
  gap: 20px;
  grid-template-columns: repeat(3, 1fr);
  list-style: none;
  margin: 28px 0 0;
  padding: 0;
}

.step {
  align-items: flex-start;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 4px;
  display: flex;
  gap: 16px;
  padding: 24px;
}

.step-number {
  align-items: center;
  background: var(--navy);
  border-radius: 50%;
  color: #ffffff;
  display: inline-flex;
  flex: 0 0 34px;
  font-size: 15px;
  font-weight: 700;
  height: 34px;
  justify-content: center;
  width: 34px;
}

.step h3 {
  font-size: 17px;
  margin-bottom: 8px;
}

.step p {
  font-size: 15.5px;
  margin: 0;
}

/* Credibility boundaries */

.two-col {
  display: grid;
  gap: 28px;
  grid-template-columns: 1fr 1fr;
  margin-top: 24px;
}

.promise-block {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 24px 26px;
}

.promise-yes {
  color: var(--ok);
  font-size: 17px;
}

.promise-no {
  color: var(--no);
  font-size: 17px;
}

.promise-block ul {
  margin: 12px 0 0;
  padding-left: 20px;
}

.promise-block li {
  font-size: 15.5px;
  margin-bottom: 10px;
}

/* Secondary opportunity */

.opportunity-section {
  background: var(--paper-alt);
  border-bottom: 1px solid var(--line);
  border-top: 1px solid var(--line);
  padding-bottom: 52px;
  padding-top: 52px;
}

.opportunity-section h2 {
  max-width: 760px;
}

.opportunity-note {
  background: #ffffff;
  border-left: 4px solid var(--ok);
  margin: 24px 0 0;
  padding: 14px 18px;
}

.opportunity-ask {
  color: var(--muted);
  font-size: 14px;
  margin: 10px 0 0 22px;
}

/* FAQ */

.faq-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 4px;
  margin-top: 12px;
  padding: 0 20px;
}

.faq-item summary {
  color: var(--ink);
  cursor: pointer;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 16.5px;
  font-weight: 600;
  list-style-position: outside;
  padding: 16px 0;
}

.faq-item[open] summary {
  border-bottom: 1px solid var(--line);
}

.faq-item p {
  font-size: 15.5px;
  margin: 0;
  padding: 14px 0 18px;
}

/* Final CTA */

.final-cta {
  background: #ffffff;
  text-align: center;
}

.final-cta p {
  margin: 0 auto 24px;
  max-width: 38em;
}

.final-cta-note {
  color: var(--muted);
  font-size: 14px;
  margin-top: 14px !important;
}

/* Coverage request form */

.coverage-form-section {
  background: var(--paper-alt);
}

.coverage-form-intro {
  margin-bottom: 28px;
}

.coverage-form-intro .eyebrow {
  color: var(--accent-dark);
}

.coverage-form-intro h2 {
  margin-bottom: 12px;
}

.coverage-form-intro p:last-child {
  margin-bottom: 0;
}

.coverage-form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 12px 32px rgba(16, 42, 67, 0.08);
  padding: 30px;
}

.form-field {
  border: 0;
  margin: 0 0 22px;
  padding: 0;
}

.form-field label,
.form-field legend {
  color: var(--ink);
  display: block;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 8px;
}

.form-field input[type="text"],
.form-field input[type="email"],
.form-field input[type="tel"] {
  appearance: none;
  background: #ffffff;
  border: 1px solid #9fb3c8;
  border-radius: 4px;
  color: var(--ink);
  font: inherit;
  min-height: 48px;
  padding: 10px 12px;
  width: 100%;
}

.form-field input:focus {
  border-color: #2878b5;
  box-shadow: 0 0 0 3px rgba(40, 120, 181, 0.18);
  outline: none;
}

.form-row {
  display: grid;
  gap: 18px;
  grid-template-columns: 1fr 1fr;
}

.coverage-options {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr 1fr;
}

.coverage-options label {
  align-items: center;
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: 4px;
  cursor: pointer;
  display: flex;
  gap: 10px;
  margin: 0;
  padding: 12px 14px;
}

.coverage-options input {
  accent-color: var(--navy);
  height: 18px;
  margin: 0;
  width: 18px;
}

.form-submit {
  border: 0;
  width: 100%;
}

.form-note {
  color: var(--muted);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 13px;
  margin: 12px 0 0;
  text-align: center;
}

.immediate-contact {
  background: var(--navy);
  border-radius: 8px;
  color: #d9e8f2;
  margin-top: 24px;
  padding: 28px;
  text-align: center;
}

.immediate-contact[hidden] {
  display: none;
}

.contact-step {
  color: #b9d2e5;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  margin: 0 0 6px !important;
  text-transform: uppercase;
}

.immediate-contact h3 {
  color: #ffffff;
  margin-bottom: 8px;
}

.immediate-contact p {
  margin: 0 0 18px;
}

.immediate-contact p a {
  color: #ffffff;
  font-weight: 700;
}

.contact-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
}

.btn-text-doug {
  background: #ffffff;
  color: var(--navy);
}

.btn-text-doug:hover {
  background: var(--paper-alt);
}

.btn-call-doug {
  background: var(--accent);
  color: #ffffff;
}

.btn-call-doug:hover {
  background: var(--accent-dark);
}

/* Direct-mail plan comparison */

.mail-hero {
  background: linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #d9e8f2;
  padding: 54px 0 50px;
}

.mail-hero h1 {
  color: #ffffff;
  font-size: 32px;
  margin-bottom: 18px;
}

.mail-hero-sub {
  font-size: 18px;
  margin: 0 0 26px;
}

.mail-hero .btn {
  margin-bottom: 18px;
}

.mail-rates-section .eyebrow,
.mail-share-section .eyebrow {
  color: var(--accent-dark);
}

.mail-plan-grid {
  display: grid;
  gap: 22px;
  grid-template-columns: minmax(0, 1fr);
}

.mail-plan-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(16, 42, 67, 0.08);
  min-width: 0;
  padding: 22px 18px;
}

.mail-plan-card h3 {
  font-size: 23px;
  margin-bottom: 0;
}

.mail-plan-card .plan-price {
  margin-bottom: 24px;
}

.mail-benefit-group {
  border-top: 3px solid var(--navy);
  margin-top: 22px;
}

.mail-benefit-group h4 {
  color: var(--navy);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 14px;
  letter-spacing: 0.04em;
  margin: 0;
  padding: 12px 0 6px;
  text-transform: uppercase;
}

.mail-benefit-group dl {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  margin: 0;
}

.mail-benefit-group dl div {
  align-items: start;
  border-top: 1px solid #e7ebef;
  display: grid;
  font-size: 13px;
  gap: 10px;
  grid-template-columns: minmax(0, 1fr) minmax(0, 48%);
  padding: 10px 0;
}

.mail-benefit-group dt {
  color: var(--muted);
  min-width: 0;
}

.mail-benefit-group dd {
  color: var(--ink);
  font-weight: 700;
  margin: 0;
  min-width: 0;
  overflow-wrap: anywhere;
  text-align: right;
}

.mail-pdf-callout {
  align-items: flex-start;
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: 8px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-top: 28px;
  padding: 22px;
}

.mail-pdf-callout h3 {
  font-size: 20px;
  margin-bottom: 6px;
}

.mail-pdf-callout p {
  font-size: 15px;
  margin: 0;
}

.mail-pdf-callout .btn {
  margin: 0;
}

.mail-compliance {
  color: var(--muted);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 12px;
  line-height: 1.6;
  margin: 24px 0 0;
}

.mail-share-section {
  background: var(--paper-alt);
  border-bottom: 1px solid var(--line);
  border-top: 1px solid var(--line);
}

.mail-share-section .btn {
  margin: 6px 0 0;
}

.mail-contact-section {
  background: var(--navy);
  color: #d9e8f2;
}

.mail-contact-section h2 {
  color: #ffffff;
}

.mail-contact-section .eyebrow {
  color: #b9d2e5;
}

.mail-contact-actions {
  align-items: flex-start;
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 26px;
}

.mail-email-link {
  color: #ffffff;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-weight: 700;
  overflow-wrap: anywhere;
  text-underline-offset: 4px;
}

@media (min-width: 760px) {
  .mail-hero {
    padding: 68px 0 62px;
  }

  .mail-hero h1 {
    font-size: 42px;
  }

  .mail-plan-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .mail-plan-card {
    padding: 26px;
  }

  .mail-pdf-callout {
    align-items: center;
    flex-direction: row;
    justify-content: space-between;
    padding: 26px;
  }

  .mail-pdf-callout .btn {
    flex: 0 0 auto;
  }

  .mail-contact-actions {
    align-items: center;
    flex-direction: row;
  }
}

/* Footer */

.site-footer {
  background: var(--navy-deep);
  color: #9fb3c8;
  font-size: 14px;
  padding: 48px 0 36px;
}

.footer-grid {
  border-bottom: 1px solid #334e68;
  display: grid;
  gap: 28px;
  grid-template-columns: 2fr 1fr;
  margin-bottom: 24px;
  padding-bottom: 24px;
}

.footer-brand {
  color: #eaf2f8;
  font-size: 16px;
  font-weight: 600;
  margin: 0 0 10px;
}

.footer-contact {
  line-height: 1.8;
  margin: 0;
}

.footer-contact a,
.footer-links a {
  color: #eaf2f8;
  text-underline-offset: 3px;
}

.footer-contact a:hover,
.footer-links a:hover {
  color: #ffffff;
}

.footer-links p {
  margin: 0 0 8px;
}

.footer-disclaimers p {
  line-height: 1.7;
  margin: 0 0 14px;
}

.footer-copy {
  color: #829ab1;
  margin-top: 20px;
}

/* Responsive */

@media (max-width: 900px) {
  .plan-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: 33px;
  }
}

@media (max-width: 640px) {
  body {
    font-size: 16px;
  }

  .brand {
    gap: 8px;
  }

  .brand-mark {
    flex-basis: 34px;
    height: 34px;
    width: 34px;
  }

  .brand-name {
    font-size: 13px;
    line-height: 1.15;
    white-space: normal;
  }

  .header-cta {
    font-size: 11px;
    padding: 7px 8px;
  }

  .hero {
    padding: 52px 0 48px;
  }

  .hero h1 {
    font-size: 27px;
  }

  .hero-sub {
    font-size: 17px;
  }

  .section {
    padding: 48px 0;
  }

  .section h2 {
    font-size: 24px;
  }

  .grid-3,
  .two-col,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .plan-grid {
    grid-template-columns: 1fr;
  }

  .form-row,
  .coverage-options {
    grid-template-columns: 1fr;
  }

  .coverage-form {
    padding: 22px 18px;
  }

  .contact-actions {
    flex-direction: column;
  }

  .contact-actions .btn {
    width: 100%;
  }


  .btn-large {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}