/* ============================================================
   Fran Kelly Professional Liability — Desktop Styles
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&family=DM+Sans:ital,wght@0,300;0,400;0,500;1,400&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #1a2a3a;
  --navy-mid:   #253646;
  --slate:      #3d5166;
  --gold:       #b59a5e;
  --gold-light: #d4bc88;
  --cream:      #f8f5ef;
  --cream-dark: #ede9e0;
  --text:       #1a2a3a;
  --muted:      #5a6a78;
  --border:     #d6cfc2;
  --white:      #ffffff;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  font-weight: 400;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}

a { color: inherit; text-decoration: none; transition: color 0.2s; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 200;
  background: var(--white); border-bottom: 1px solid var(--border);
  padding: 0 5%; display: flex; align-items: center;
  justify-content: space-between; height: 68px;
}
.nav-logo { display: flex; flex-direction: column; line-height: 1.2; }
.nav-logo .name {
  font-family: 'Libre Baskerville', serif; font-size: 15px;
  font-weight: 700; color: var(--navy); letter-spacing: 0.02em;
}
.nav-logo .tagline {
  font-size: 11px; color: var(--muted); letter-spacing: 0.06em; text-transform: uppercase;
}
.nav-links { display: flex; list-style: none; align-items: center; }
.nav-links > li { position: relative; }
.nav-links > li > a,
.nav-links > li > span {
  display: block; padding: 8px 14px; font-size: 13px; font-weight: 400;
  color: var(--muted); letter-spacing: 0.02em; cursor: pointer;
  transition: color 0.2s; white-space: nowrap;
}
.nav-links > li > a:hover,
.nav-links > li > span:hover { color: var(--navy); }
.nav-links > li > span.has-arrow::after { content: ' ▾'; font-size: 10px; }
.nav-links > li > a.nav-active { color: var(--navy); font-weight: 500; }

.dropdown {
  display: none; position: absolute; top: 100%; left: 0;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 4px; min-width: 210px; z-index: 300;
  padding: 6px 0; box-shadow: 0 8px 24px rgba(26,42,58,.10);
}
.nav-links > li:hover .dropdown { display: block; }
.dropdown a {
  display: block; padding: 9px 16px; font-size: 13px;
  color: var(--muted); transition: background .15s, color .15s;
}
.dropdown a:hover { background: var(--cream); color: var(--navy); }

.nav-cta {
  background: var(--navy) !important; color: var(--white) !important;
  padding: 9px 20px !important; border-radius: 4px;
  font-weight: 500 !important; font-size: 13px !important; margin-left: 8px;
}
.nav-cta:hover { background: var(--slate) !important; color: var(--white) !important; }

/* Mobile burger — hidden on desktop */
.nav-burger { display: none; }

/* ── SHARED UTILITIES ── */
.container { padding: 64px 5%; max-width: 1100px; margin: 0 auto; }

.section-label {
  font-size: 11px; font-weight: 500; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 10px;
}
.section-title {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(22px, 3vw, 30px); font-weight: 700;
  color: var(--navy); line-height: 1.25; margin-bottom: 32px;
}
.section-title em { display: block; font-style: italic; font-weight: 400; }

.prose p { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 16px; }
.prose p:last-child { margin-bottom: 0; }
.prose strong { color: var(--navy); font-weight: 500; }

.callout {
  background: var(--cream); border-left: 3px solid var(--gold);
  border-radius: 0 4px 4px 0; padding: 16px 20px; margin: 24px 0;
  font-size: 14px; color: var(--navy); line-height: 1.7;
}

.btn-primary {
  background: var(--gold); color: var(--navy); padding: 13px 28px;
  border-radius: 4px; font-size: 14px; font-weight: 500;
  letter-spacing: .02em; transition: background .2s;
  display: inline-block; cursor: pointer; border: none; font-family: inherit;
}
.btn-primary:hover { background: var(--gold-light); color: var(--navy); }

.btn-outline {
  background: transparent; color: var(--navy); border: 1px solid var(--navy);
  padding: 12px 26px; border-radius: 4px; font-size: 14px;
  display: inline-block; cursor: pointer; font-family: inherit;
  transition: background .2s, color .2s;
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

.action-row { display: flex; gap: 14px; margin-top: 24px; flex-wrap: wrap; }

/* ── PAGE HEADER ── */
.page-header { background: var(--navy); padding: 56px 5% 48px; }
.page-header .breadcrumb {
  font-size: 12px; color: var(--gold); letter-spacing: .08em;
  text-transform: uppercase; margin-bottom: 10px; display: inline-block;
}
.page-header .breadcrumb:hover { color: var(--gold-light); }
.page-header h1 {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(24px, 3.5vw, 38px); font-weight: 700;
  color: var(--white); line-height: 1.2;
}
.page-header p { font-size: 16px; color: #a0b0bf; max-width: 560px; margin-top: 12px; line-height: 1.7; }

/* ── HOME HERO ── */
.hero {
  background: var(--navy); padding: 90px 5% 80px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center;
}
.hero-left h1 {
  font-family: 'Libre Baskerville', serif;
  font-size: clamp(28px, 4vw, 44px); font-weight: 700;
  color: var(--white); line-height: 1.2; margin-bottom: 20px;
}
.hero-left h1 em { font-style: italic; color: var(--gold-light); }
.hero-left p { font-size: 16px; color: #a0b0bf; max-width: 460px; line-height: 1.75; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.btn-hero-primary {
  background: var(--gold); color: var(--navy); padding: 13px 28px;
  border-radius: 4px; font-size: 14px; font-weight: 500;
  display: inline-block; cursor: pointer; transition: background .2s;
}
.btn-hero-primary:hover { background: var(--gold-light); color: var(--navy); }

.btn-hero-secondary {
  background: transparent; color: var(--cream);
  border: 1px solid rgba(255,255,255,.25); padding: 13px 28px;
  border-radius: 4px; font-size: 14px; display: inline-block;
  cursor: pointer; transition: border-color .2s, color .2s;
}
.btn-hero-secondary:hover { border-color: rgba(255,255,255,.5); color: var(--white); }

.hero-right { display: flex; flex-direction: column; gap: 14px; }
.trust-stat {
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: 6px; padding: 18px 22px; display: flex; align-items: center; gap: 18px;
}
.trust-stat .number {
  font-family: 'Libre Baskerville', serif; font-size: 28px;
  font-weight: 700; color: var(--gold-light); min-width: 72px;
}
.trust-stat .desc { font-size: 13.5px; color: #a0b0bf; line-height: 1.5; }
.trust-stat .desc strong { display: block; color: var(--white); font-weight: 500; margin-bottom: 2px; }

.intro-band {
  background: var(--cream); padding: 44px 5%;
  text-align: center; border-bottom: 1px solid var(--border);
}
.intro-band p { font-size: 17px; color: var(--navy); max-width: 680px; margin: 0 auto; line-height: 1.75; }

.home-services { padding: 72px 5%; }
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px,1fr)); gap: 18px; }

.service-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 6px; padding: 26px; display: block;
  transition: box-shadow .2s, border-color .2s;
}
.service-card:hover { box-shadow: 0 4px 20px rgba(26,42,58,.08); border-color: var(--gold); }
.service-icon { width: 32px; height: 32px; margin-bottom: 14px; color: var(--gold); }
.service-card h3 {
  font-family: 'Libre Baskerville', serif; font-size: 15px;
  font-weight: 700; color: var(--navy); margin-bottom: 8px;
}
.service-card p { font-size: 13.5px; color: var(--muted); line-height: 1.65; }
.card-link {
  display: inline-block; margin-top: 12px; font-size: 12.5px;
  font-weight: 500; color: var(--navy); border-bottom: 1px solid var(--gold); padding-bottom: 1px;
}

.why-section {
  background: var(--cream); border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border); padding: 72px 5%;
  display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center;
}
.why-list { list-style: none; display: flex; flex-direction: column; gap: 20px; }
.why-list li { display: flex; gap: 14px; align-items: flex-start; }
.why-bullet { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); margin-top: 8px; flex-shrink: 0; }
.why-list .text strong { display: block; font-size: 14.5px; font-weight: 500; color: var(--navy); margin-bottom: 3px; }
.why-list .text p { font-size: 13.5px; color: var(--muted); line-height: 1.6; }
.why-right { background: var(--navy); border-radius: 8px; padding: 36px; }
.why-right h3 { font-family: 'Libre Baskerville', serif; font-size: 18px; color: var(--white); margin-bottom: 18px; font-weight: 700; }
.sponsor-list { list-style: none; }
.sponsor-list li {
  font-size: 13px; color: #a0b0bf; padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
  display: flex; align-items: center; gap: 10px;
}
.sponsor-list li::before { content:''; display:inline-block; width:5px; height:5px; border-radius:50%; background:var(--gold); flex-shrink:0; }
.sponsor-list li a { color: #a0b0bf; }
.sponsor-list li a:hover { color: var(--white); }

.cta-row { padding: 72px 5%; display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.cta-card {
  text-align: center; padding: 32px 24px;
  border: 1px solid var(--border); border-radius: 6px; transition: box-shadow .2s;
}
.cta-card:hover { box-shadow: 0 4px 20px rgba(26,42,58,.07); }
.cta-card svg { width: 30px; height: 30px; color: var(--gold); margin: 0 auto 14px; display: block; }
.cta-card h3 { font-family: 'Libre Baskerville', serif; font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.cta-card p { font-size: 13.5px; color: var(--muted); margin-bottom: 18px; }
.cta-card a, .cta-card button {
  display: inline-block; font-size: 13px; font-weight: 500; color: var(--navy);
  border: 1px solid var(--navy); padding: 9px 20px; border-radius: 4px;
  background: transparent; cursor: pointer; font-family: inherit;
  transition: background .2s, color .2s;
}
.cta-card a:hover, .cta-card button:hover { background: var(--navy); color: var(--white); }

/* ── CONTACT ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-people { display: flex; flex-direction: column; gap: 16px; }
.contact-person { background: var(--white); border: 1px solid var(--border); border-radius: 6px; padding: 28px; }
.contact-avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--cream-dark);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Libre Baskerville', serif; font-size: 16px; font-weight: 700;
  color: var(--navy); margin-bottom: 16px; border: 1px solid var(--border);
}
.contact-person h3 { font-family: 'Libre Baskerville', serif; font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.contact-detail { display: flex; gap: 10px; align-items: center; font-size: 14px; color: var(--muted); margin-bottom: 8px; }
.contact-detail .label { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; min-width: 50px; }
.contact-detail a { color: var(--navy); font-weight: 500; }
.contact-detail a:hover { color: var(--gold); }
.address-box { background: var(--cream); border: 1px solid var(--border); border-radius: 6px; padding: 28px; }
.address-box h3 { font-family: 'Libre Baskerville', serif; font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.address-box p { font-size: 14px; color: var(--muted); line-height: 1.75; margin-bottom: 10px; }

/* ── APPLICATIONS ── */
.app-section { margin-bottom: 40px; }
.app-section h2 { font-family: 'Libre Baskerville', serif; font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 16px; padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.app-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.app-list li {
  display: flex; align-items: center; justify-content: space-between;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 5px; padding: 14px 18px; transition: border-color .2s;
}
.app-list li:hover { border-color: var(--gold); }
.app-name { font-size: 14px; color: var(--navy); display: flex; align-items: center; gap: 10px; }
.app-name::before { content:''; width:6px; height:6px; border-radius:50%; background:var(--gold); flex-shrink:0; }
.app-list a {
  font-size: 12.5px; font-weight: 500; color: var(--navy);
  border: 1px solid var(--border); padding: 5px 14px; border-radius: 3px;
  white-space: nowrap; transition: background .2s, color .2s, border-color .2s;
}
.app-list a:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ── FAQs ── */
.faq-list { display: flex; flex-direction: column; border: 1px solid var(--border); border-radius: 6px; overflow: hidden; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:last-child { border-bottom: none; }
.faq-q {
  padding: 18px 22px; font-size: 14.5px; font-weight: 500; color: var(--navy);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  gap: 16px; transition: background .15s; user-select: none;
}
.faq-q:hover { background: var(--cream); }
.faq-q .arrow { font-size: 12px; color: var(--gold); flex-shrink: 0; transition: transform .2s; }
.faq-item.open .faq-q { background: var(--cream); }
.faq-item.open .arrow { transform: rotate(180deg); }
.faq-a { display: none; padding: 0 22px 18px; font-size: 14px; color: var(--muted); line-height: 1.75; }
.faq-a ul { margin: 8px 0 0 16px; }
.faq-a ul li { margin-bottom: 6px; }
.faq-item.open .faq-a { display: block; }

/* ── SERVICE DETAIL ── */
.service-detail { display: grid; grid-template-columns: 2fr 1fr; gap: 48px; align-items: start; }
.service-sidebar { display: flex; flex-direction: column; gap: 16px; }
.sidebar-card { background: var(--cream); border: 1px solid var(--border); border-radius: 6px; padding: 22px; }
.sidebar-card h4 { font-family: 'Libre Baskerville', serif; font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.sidebar-card p { font-size: 13.5px; color: var(--muted); line-height: 1.65; margin-bottom: 12px; }
.sidebar-nav { list-style: none; background: var(--white); border: 1px solid var(--border); border-radius: 6px; overflow: hidden; }
.sidebar-nav li a,
.sidebar-nav li span {
  display: flex; align-items: center; gap: 8px;
  padding: 11px 16px; font-size: 13.5px; color: var(--muted);
  cursor: pointer; border-bottom: 1px solid var(--border);
  transition: background .15s, color .15s;
}
.sidebar-nav li:last-child a,
.sidebar-nav li:last-child span { border-bottom: none; }
.sidebar-nav li a:hover, .sidebar-nav li span:hover { background: var(--cream); color: var(--navy); }
.sidebar-nav li.active a, .sidebar-nav li.active span { background: var(--navy); color: var(--white); font-weight: 500; }
.sidebar-nav li a::before, .sidebar-nav li span::before { content: '›'; color: var(--gold); font-size: 16px; }
.sidebar-nav li.active a::before, .sidebar-nav li.active span::before { color: var(--gold-light); }

.claim-example { background: var(--white); border: 1px solid var(--border); border-radius: 6px; padding: 20px 22px; margin-bottom: 16px; }
.claim-example h4 { font-size: 13px; font-weight: 500; color: var(--navy); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 8px; }
.claim-example p { font-size: 13.5px; color: var(--muted); line-height: 1.7; }

.coverage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 20px 0; }
.coverage-item {
  background: var(--cream); border-radius: 5px; padding: 14px 16px;
  font-size: 13.5px; color: var(--navy);
  display: flex; align-items: flex-start; gap: 8px; line-height: 1.5;
}
.coverage-item::before { content: '✓'; color: var(--gold); font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ── FOOTER ── */
footer {
  background: var(--navy); color: #a0b0bf;
  padding: 48px 5% 32px;
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 48px;
}
footer h4 { font-size: 11px; text-transform: uppercase; letter-spacing: .1em; color: var(--gold); margin-bottom: 14px; font-weight: 500; }
footer p, footer li { font-size: 13.5px; line-height: 1.7; }
footer ul { list-style: none; display: flex; flex-direction: column; gap: 6px; }
footer a { color: #a0b0bf; }
footer a:hover { color: var(--white); }
footer li a { font-size: 13.5px; transition: color .2s; }
.footer-bottom {
  background: var(--navy); border-top: 1px solid rgba(255,255,255,.1);
  padding: 18px 5%; display: flex; justify-content: space-between; font-size: 12px; color: #607080;
}
.footer-bottom a { color: #607080; }
.footer-bottom a:hover { color: #a0b0bf; }