/* ===========================================================
   JF Insurance Partners  ·  Shared design system
   Navy/Gold · Fraunces (display) + Hanken Grotesk (body)
   =========================================================== */
:root{
  --navy:#16243D; --navy-deep:#0E1828; --gold:#C39B46; --gold-bright:#D4B36A;
  --gold-deep:#A8842F; --gold-soft:#E3C787; --slate:#3A4F6E;
  /* legacy accent aliases kept so inline gradients still resolve */
  --teal:#C39B46; --teal-bright:#D4B36A; --aqua:#E3C787;
  --ink:#16202b; --muted:#5d6975; --line:#e3e7ec; --line-soft:#eef1f4; --paper:#f5f6f8; --card:#fff;
  --ok:#1f7a4d; --err:#b23b3b;
  --mark:url('jf-mark-gold.png');
  --maxw:1140px; --r:14px;
}
*{box-sizing:border-box} html,body{margin:0;padding:0} html{scroll-behavior:smooth}
body{font-family:"Hanken Grotesk",system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,.display{font-family:"Fraunces",Georgia,serif;letter-spacing:-.01em;font-weight:600}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:"Hanken Grotesk";font-weight:700;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep)}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

/* NAV */
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;gap:18px;height:74px}
.brand{display:flex;align-items:center}
.brand-logo{height:34px;width:auto;display:block}
nav.links{margin-left:auto;display:flex;align-items:center;gap:26px}
nav.links a{font-weight:600;font-size:14.5px;color:var(--navy);transition:color .15s}
nav.links a:hover{color:var(--gold-deep)}
.btn{font-family:"Hanken Grotesk";font-weight:700;font-size:14px;border-radius:10px;padding:11px 18px;display:inline-block;transition:transform .05s,background .15s;cursor:pointer;border:none;text-align:center}
.btn-solid{background:var(--gold);color:var(--navy)}.btn-solid:hover{background:var(--gold-bright)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.55)}.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-deep)}
.btn-white{background:#fff;color:var(--navy)}
.btn:active{transform:translateY(1px)}
.btn-lg{padding:15px 26px;font-size:15.5px;border-radius:11px}
.menu-toggle{display:none}
@media(max-width:880px){
  nav.links{display:none}
  .menu-toggle{display:inline-flex;margin-left:auto;background:none;border:1.5px solid var(--line);border-radius:9px;padding:9px 12px;font-weight:700;color:var(--navy);font-family:"Hanken Grotesk";cursor:pointer}
}

/* HERO — dark */
.hero{position:relative;background:linear-gradient(160deg,var(--navy-deep) 0%,var(--navy) 70%,#1d3252 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;right:-40px;top:50%;transform:translateY(-50%);width:520px;height:520px;background:var(--mark) center/contain no-repeat;opacity:.12;pointer-events:none}
.hero-in{position:relative;z-index:2;padding:90px 0 94px;max-width:730px}
.hero .eyebrow{color:var(--gold-soft)}
.hero h1{font-weight:600;font-size:clamp(34px,5vw,56px);line-height:1.05;margin:16px 0 18px}
.hero h1 .accent{color:var(--gold-soft);font-style:italic}
.hero p.lede{font-family:"Hanken Grotesk";font-size:clamp(16px,2vw,19px);color:#cdd6e2;max-width:60ch;margin:0 0 30px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
@media(max-width:880px){.hero::after{opacity:.07;width:360px;height:360px;right:-110px}}

/* HERO — light (interior) */
.hero-light{position:relative;background:var(--paper);border-bottom:1px solid var(--line);overflow:hidden}
.hero-light::after{content:"";position:absolute;right:-30px;bottom:-70px;width:330px;height:330px;background:var(--mark) center/contain no-repeat;opacity:.07;pointer-events:none}
.hero-light .hero-in{padding:64px 0 56px}
.hero-light h1{font-weight:600;font-size:clamp(30px,4.4vw,46px);line-height:1.08;color:var(--navy);margin:14px 0 16px}
.hero-light p.lede{font-family:"Hanken Grotesk";font-size:clamp(16px,2vw,19px);color:var(--muted);max-width:62ch;margin:0 0 26px}
.accent-rule{height:4px;width:64px;border-radius:3px;background:linear-gradient(90deg,var(--gold),var(--gold-deep));margin-bottom:4px}

/* TRUST STRIP */
.trust{background:var(--navy-deep);color:#d7e0ea;border-top:1px solid rgba(255,255,255,.08)}
.trust .wrap{padding:18px 24px;display:flex;align-items:center;gap:14px;font-size:15px;justify-content:center;text-align:center}
.trust b{color:#fff}
.trust .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex:0 0 auto}

/* SECTIONS */
section{padding:76px 0}
.sec-head{max-width:700px;margin-bottom:40px}
.sec-head h2{font-weight:600;font-size:clamp(26px,3.4vw,40px);color:var(--navy);line-height:1.12;margin:12px 0 12px}
.sec-head p{color:var(--muted);font-size:17px;margin:0}
.lead-block{max-width:760px;font-size:17px;color:var(--ink)}
.lead-block p{margin:0 0 16px}

/* SHELF CARDS */
.shelf{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
@media(max-width:760px){.shelf{grid-template-columns:1fr}}
.scard{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 24px 22px;transition:transform .15s,box-shadow .15s,border-color .15s;overflow:hidden;display:block}
.scard:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(22,36,61,.12);border-color:#d3dae2}
.scard .bar{position:absolute;top:0;left:0;right:0;height:4px}
.scard h3{font-weight:600;font-size:21px;color:var(--navy);margin:6px 0 8px}
.scard p{font-family:"Hanken Grotesk";color:var(--muted);font-size:15px;margin:0 0 16px}
.scard .go{font-family:"Hanken Grotesk";font-weight:700;font-size:13.5px;color:var(--gold-deep);letter-spacing:.02em}
.scard .go::after{content:" \2192"}

/* WHAT WE PLACE */
.place-list{display:grid;grid-template-columns:1fr 1fr;gap:12px 18px;list-style:none;padding:0;margin:0}
@media(max-width:600px){.place-list{grid-template-columns:1fr}}
.place-list li{display:flex;gap:11px;align-items:flex-start;font-size:15.5px}
.place-list .tick{width:22px;height:22px;border-radius:6px;background:var(--navy);color:var(--gold-soft);display:flex;align-items:center;justify-content:center;flex:0 0 auto;font-size:12px;font-weight:800;margin-top:2px}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:760px){.steps{grid-template-columns:1fr}}
.step{padding:26px 22px;border-left:3px solid var(--gold);background:var(--paper);border-radius:0 12px 12px 0}
.step .n{font-family:"Hanken Grotesk";font-weight:800;font-size:13px;letter-spacing:.16em;color:var(--gold-deep)}
.step h3{font-weight:600;font-size:19px;color:var(--navy);margin:8px 0 6px}
.step p{font-family:"Hanken Grotesk";color:var(--muted);font-size:14.5px;margin:0}

/* WHY */
.bg-paper{background:var(--paper)}
.why-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
@media(max-width:880px){.why-grid{grid-template-columns:1fr;gap:28px}}
.why ul{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:14px}
.why li{display:flex;gap:12px;font-size:15.5px;color:var(--ink)}
.why li .tick{width:22px;height:22px;border-radius:6px;background:var(--navy);color:var(--gold-soft);display:flex;align-items:center;justify-content:center;flex:0 0 auto;font-size:13px;font-weight:800;margin-top:1px}
.why-card{background:var(--navy);color:#fff;border-radius:18px;padding:34px;position:relative;overflow:hidden}
.why-card::after{content:"";position:absolute;right:-40px;bottom:-40px;width:230px;height:230px;background:var(--mark) center/contain no-repeat;opacity:.14}
.why-card .eyebrow{color:var(--gold-soft)}
.why-card h3{font-weight:600;font-size:25px;margin:10px 0 10px;position:relative;z-index:2}
.why-card p{font-family:"Hanken Grotesk";color:#cdd6e2;font-size:15px;position:relative;z-index:2;margin:0}

/* CALLOUT */
.callout{font-family:"Hanken Grotesk";font-size:14.5px;color:var(--navy);background:#faf5ea;border:1px solid #ecdcbb;border-left:3px solid var(--gold);border-radius:10px;padding:14px 16px;margin-top:18px}

/* CTA BAND */
.cta-band{background:linear-gradient(120deg,var(--gold-deep) 0%,var(--navy) 85%);color:#fff;border-radius:20px;padding:48px;text-align:center;position:relative;overflow:hidden}
.cta-band h2{font-weight:600;font-size:clamp(24px,3vw,36px);margin:0 0 10px;color:#fff}
.cta-band p{font-family:"Hanken Grotesk";color:#eee6d6;font-size:17px;margin:0 0 24px}

/* FORMS */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 24px;margin-bottom:18px}
.form-card .ftitle{font-family:"Fraunces",serif;font-weight:600;font-size:21px;color:var(--navy);margin:0 0 4px}
.form-card .fnote{font-size:13.5px;color:var(--muted);margin:0 0 18px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
@media(max-width:600px){.grid2{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}
label{font-size:13.5px;font-weight:600;color:var(--navy)}
.req{color:var(--gold-deep)}.hint{font-size:12.5px;color:var(--muted);font-weight:400}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],select,textarea{
  font-family:inherit;font-size:15px;color:var(--ink);border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;background:#fff;width:100%;transition:border-color .15s,box-shadow .15s}
textarea{min-height:84px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(195,155,70,.20)}
input.invalid,select.invalid,textarea.invalid{border-color:var(--err);box-shadow:0 0 0 3px rgba(178,59,59,.12)}
.checks{display:flex;flex-wrap:wrap;gap:8px 10px}
.chk{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--line);border-radius:999px;padding:8px 13px;font-size:13.5px;cursor:pointer;user-select:none}
.chk input{accent-color:var(--gold-deep);width:16px;height:16px;margin:0}
.chk:has(input:checked){border-color:var(--gold);background:#faf5ea}
.subhead{font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--gold-deep);margin:22px 0 12px;padding-top:18px;border-top:1px solid var(--line)}
.lines{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:600px){.lines{grid-template-columns:1fr}}
.line-opt{position:relative;cursor:pointer}
.line-opt input{position:absolute;opacity:0;inset:0;cursor:pointer;margin:0}
.line-face{border:1.5px solid var(--line);border-radius:12px;padding:15px 16px;height:100%;transition:border-color .15s,background .15s,box-shadow .15s}
.line-opt:hover .line-face{border-color:var(--slate)}
.line-opt input:checked + .line-face{border-color:var(--gold);background:#faf5ea;box-shadow:0 0 0 1px var(--gold)}
.line-name{font-weight:700;font-size:15px;color:var(--navy);display:block}
.line-desc{font-size:13px;color:var(--muted);margin-top:3px}
.cond{display:none}.cond.active{display:block}
.status{display:none;border-radius:12px;padding:16px 18px;margin-top:8px;font-size:14.5px}
.status.show{display:block}
.status.ok{background:#eef6f1;border:1px solid #bfe0cd;color:var(--ok)}
.status.err{background:#fbeeee;border:1px solid #e6c3c3;color:var(--err)}
.form-foot{font-size:12.5px;color:var(--muted);text-align:center;margin-top:12px}

/* FOOTER */
footer.site{background:var(--navy-deep);color:#a9b6c4;padding:56px 0 30px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.10)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr;gap:24px}}
footer.site .brand-logo{height:30px}
footer.site h4{font-family:"Hanken Grotesk";font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#fff;margin:0 0 14px}
footer.site a{color:#a9b6c4;display:block;margin-bottom:9px}
footer.site a:hover{color:#fff}
.fintro{font-family:"Hanken Grotesk";color:#8595a5;max-width:36ch;margin:14px 0 0}
.disc{font-size:11.5px;line-height:1.6;color:#79899a;padding-top:22px}
.disc p{margin:0 0 8px}.disc b{color:#9aa9b8}
.copy{padding-top:18px;font-size:12px;color:#6c7c8c}

@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}