/* ═══════════════════════════════════════════════════════════
   HorsePropertyInsurance.com — Design System
   MOBILE-FIRST: Base styles = phone (320px–599px)
   Scale UP with min-width breakpoints.
   Authority source for horse property insurance.
   ═══════════════════════════════════════════════════════════ */
:root {
  --primary:        #002B4E;
  --primary-light:  #0a3d6b;
  --secondary:      #1a5f8a;
  --accent:         #2378b5;
  --gold:           #9a7210;
  --gold-light:     #b8860b;
  --gold-bright:    #d4a017;
  --fire:           #b03010;
  --fire-light:     #d94010;
  --bg:             #ffffff;
  --bg-alt:         #f4f6f9;
  --bg-warm:        #faf8f5;
  --bg-fire:        #fff8f5;
  --text:           #1a2332;
  --text-mid:       #3d4f62;
  --text-light:     #627589;
  --border:         #dde2e8;
  --border-light:   #edf0f3;
  --success:        #0a6640;
  --warning:        #8a4a00;
  --danger:         #9a1515;
  --shadow-sm:      0 1px 3px rgba(0,30,60,0.06);
  --shadow-md:      0 4px 8px rgba(0,30,60,0.08);
  --shadow-lg:      0 10px 20px rgba(0,30,60,0.10);
  --radius:         6px;
  --radius-lg:      10px;
  --max-w:          1100px;
  --transition:     0.2s ease;
}

/* ── RESET & BASE ── */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
a,button,[onclick],.accordion-header { touch-action:manipulation; }
html { scroll-behavior:smooth; scroll-padding-top:90px; -webkit-text-size-adjust:100%; text-size-adjust:100%; }
body {
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  overscroll-behavior-y:none;
}
a { color:var(--secondary); text-decoration:none; transition:color var(--transition); }
a:hover { color:var(--primary); text-decoration:underline; }
img { max-width:100%; height:auto; display:block; }

/* ── SKIP NAV ── */
.skip-nav { position:absolute; left:-999px; top:auto; }
.skip-nav:focus { position:static; }

/* ── HEADER / NAV ── */
.site-header {
  background:var(--primary);
  position:sticky;
  top:0;
  z-index:100;
  box-shadow:0 2px 8px rgba(0,0,0,0.25);
}
.header-inner {
  max-width:var(--max-w);
  margin:0 auto;
  padding:0 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  height:58px;
  gap:12px;
}
.site-logo {
  display:flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  flex-shrink:0;
}
.logo-icon {
  width:36px;
  height:36px;
  background:var(--gold-bright);
  border-radius:6px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:20px;
  line-height:1;
}
.logo-text { display:flex; flex-direction:column; }
.logo-name {
  font-size:15px;
  font-weight:700;
  color:#ffffff;
  letter-spacing:-0.2px;
  line-height:1.1;
}
.logo-tag {
  font-size:10px;
  color:var(--gold-bright);
  letter-spacing:0.5px;
  text-transform:uppercase;
  line-height:1;
}
.nav-toggle {
  background:none;
  border:none;
  cursor:pointer;
  padding:8px;
  display:flex;
  flex-direction:column;
  gap:5px;
  border-radius:4px;
}
.nav-toggle span {
  display:block;
  width:22px;
  height:2px;
  background:#fff;
  border-radius:2px;
  transition:all 0.3s;
}
.nav-toggle.open span:nth-child(1) { transform:rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity:0; }
.nav-toggle.open span:nth-child(3) { transform:rotate(-45deg) translate(5px,-5px); }
.main-nav {
  display:none;
  position:absolute;
  top:58px;
  left:0;
  right:0;
  background:var(--primary);
  border-top:1px solid rgba(255,255,255,0.1);
  padding:8px 0 16px;
  z-index:99;
}
.main-nav.open { display:block; }
.main-nav a {
  display:block;
  padding:10px 20px;
  color:#e8edf2;
  font-size:15px;
  font-weight:500;
  border-left:3px solid transparent;
  transition:all var(--transition);
  text-decoration:none;
}
.main-nav a:hover,
.main-nav a.active { color:#fff; background:rgba(255,255,255,0.08); border-left-color:var(--gold-bright); }
.main-nav .nav-section {
  font-size:10px;
  text-transform:uppercase;
  letter-spacing:0.8px;
  color:rgba(255,255,255,0.4);
  padding:12px 20px 4px;
}

@media(min-width:768px){
  .nav-toggle { display:none; }
  .main-nav {
    display:flex !important;
    position:static;
    background:none;
    border:none;
    padding:0;
    gap:2px;
    align-items:center;
  }
  .main-nav a {
    padding:6px 12px;
    font-size:13px;
    border-left:none;
    border-radius:4px;
    color:rgba(255,255,255,0.85);
  }
  .main-nav a:hover,
  .main-nav a.active { color:#fff; background:rgba(255,255,255,0.12); border-left:none; }
  .main-nav .nav-section { display:none; }
}
@media(min-width:1024px){ .main-nav a { font-size:14px; padding:6px 14px; } }

/* ── BREADCRUMB ── */
.breadcrumb {
  background:var(--bg-alt);
  border-bottom:1px solid var(--border-light);
  padding:8px 16px;
  font-size:12px;
  color:var(--text-light);
}
.breadcrumb-inner { max-width:var(--max-w); margin:0 auto; }
.breadcrumb a { color:var(--text-light); }
.breadcrumb a:hover { color:var(--secondary); }
.breadcrumb span { margin:0 6px; }

/* ── PAGE HERO ── */
.page-hero {
  background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 60%, var(--secondary) 100%);
  padding:40px 16px 44px;
  text-align:center;
  color:#fff;
}
.page-hero h1 {
  font-size:clamp(22px,5vw,38px);
  font-weight:700;
  line-height:1.2;
  margin-bottom:12px;
  letter-spacing:-0.5px;
}
.page-hero p {
  font-size:clamp(15px,2.5vw,18px);
  color:rgba(255,255,255,0.85);
  max-width:680px;
  margin:0 auto 20px;
}
.page-hero .hero-badges {
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  justify-content:center;
}
.hero-badge {
  background:rgba(255,255,255,0.12);
  border:1px solid rgba(255,255,255,0.2);
  color:rgba(255,255,255,0.9);
  padding:4px 12px;
  border-radius:20px;
  font-size:12px;
  font-weight:500;
}

/* ── FIRE HERO VARIANT ── */
.page-hero.hero-fire {
  background:linear-gradient(135deg, #3d0a00 0%, #7a1800 50%, #b03010 100%);
}
.page-hero.hero-fire .hero-badge {
  background:rgba(255,120,40,0.2);
  border-color:rgba(255,120,40,0.3);
}

/* ── MAIN LAYOUT ── */
.page-wrap { max-width:var(--max-w); margin:0 auto; padding:24px 16px 48px; }
.content-grid {
  display:grid;
  grid-template-columns:1fr;
  gap:32px;
}
@media(min-width:900px){
  .content-grid { grid-template-columns:1fr 300px; gap:40px; }
}

/* ── CARDS ── */
.card {
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:20px;
  box-shadow:var(--shadow-sm);
}
.card + .card { margin-top:16px; }
.card-title {
  font-size:16px;
  font-weight:700;
  color:var(--primary);
  margin-bottom:12px;
  padding-bottom:10px;
  border-bottom:2px solid var(--gold-bright);
  display:flex;
  align-items:center;
  gap:8px;
}
.card-title .icon { font-size:18px; }

/* ── SECTION HEADINGS ── */
.section-label {
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:1px;
  color:var(--gold-light);
  margin-bottom:6px;
}
h2.section-title {
  font-size:clamp(20px,4vw,28px);
  font-weight:700;
  color:var(--primary);
  line-height:1.25;
  margin-bottom:12px;
}
h3.subsection {
  font-size:18px;
  font-weight:700;
  color:var(--primary);
  margin:24px 0 10px;
}
p { margin-bottom:14px; color:var(--text-mid); }
p:last-child { margin-bottom:0; }

/* ── ALERT BOXES ── */
.alert {
  border-radius:var(--radius);
  padding:14px 16px;
  margin:20px 0;
  border-left:4px solid;
  display:flex;
  gap:12px;
  align-items:flex-start;
}
.alert-icon { font-size:20px; flex-shrink:0; line-height:1.3; }
.alert-body { flex:1; }
.alert-title { font-weight:700; font-size:14px; margin-bottom:4px; }
.alert-text { font-size:14px; color:var(--text-mid); margin:0; }
.alert-warning { background:#fdf6e8; border-color:var(--gold-light); }
.alert-warning .alert-title { color:var(--warning); }
.alert-danger { background:#fdf0ee; border-color:var(--fire); }
.alert-danger .alert-title { color:var(--fire); }
.alert-info { background:#edf4fb; border-color:var(--accent); }
.alert-info .alert-title { color:var(--secondary); }
.alert-success { background:#edf7f2; border-color:var(--success); }
.alert-success .alert-title { color:var(--success); }

/* ── COVERAGE GRID ── */
.coverage-grid {
  display:grid;
  grid-template-columns:1fr;
  gap:14px;
  margin:20px 0;
}
@media(min-width:600px){ .coverage-grid { grid-template-columns:1fr 1fr; } }
@media(min-width:900px){ .coverage-grid { grid-template-columns:1fr 1fr 1fr; } }

.coverage-card {
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:16px;
  background:var(--bg);
  transition:box-shadow var(--transition), border-color var(--transition);
  text-decoration:none;
  display:block;
  color:inherit;
}
.coverage-card:hover { box-shadow:var(--shadow-md); border-color:var(--accent); text-decoration:none; }
.coverage-card-icon { font-size:28px; margin-bottom:8px; line-height:1; }
.coverage-card-title { font-size:14px; font-weight:700; color:var(--primary); margin-bottom:4px; }
.coverage-card-desc { font-size:13px; color:var(--text-light); line-height:1.5; margin:0; }

/* ── FIRE RISK CARD (highlighted) ── */
.coverage-card.card-fire {
  border-color:var(--fire);
  background:var(--bg-fire);
}
.coverage-card.card-fire .coverage-card-title { color:var(--fire); }

/* ── ACCORDION / Q&A ── */
.accordion { border:1px solid var(--border); border-radius:var(--radius-lg); overflow:hidden; margin:16px 0; }
.accordion-item { border-bottom:1px solid var(--border-light); }
.accordion-item:last-child { border-bottom:none; }
.accordion-header {
  width:100%;
  background:none;
  border:none;
  text-align:left;
  padding:14px 16px;
  font-size:15px;
  font-weight:600;
  color:var(--primary);
  cursor:pointer;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:12px;
  transition:background var(--transition);
}
.accordion-header:hover { background:var(--bg-alt); }
.accordion-header.open { background:var(--bg-alt); color:var(--secondary); }
.accordion-chevron { font-size:12px; transition:transform 0.25s; flex-shrink:0; color:var(--text-light); }
.accordion-header.open .accordion-chevron { transform:rotate(180deg); }
.accordion-body {
  display:none;
  padding:14px 16px 16px;
  font-size:14px;
  color:var(--text-mid);
  line-height:1.65;
  border-top:1px solid var(--border-light);
  background:var(--bg);
}
.accordion-body.open { display:block; }
.accordion-body p { margin-bottom:10px; }
.accordion-body p:last-child { margin-bottom:0; }

/* ── COMPARISON TABLE ── */
.compare-table {
  width:100%;
  border-collapse:collapse;
  font-size:14px;
  margin:20px 0;
  border-radius:var(--radius-lg);
  overflow:hidden;
  border:1px solid var(--border);
}
.compare-table th {
  background:var(--primary);
  color:#fff;
  padding:10px 14px;
  text-align:left;
  font-weight:600;
  font-size:13px;
}
.compare-table td {
  padding:10px 14px;
  border-bottom:1px solid var(--border-light);
  color:var(--text-mid);
  vertical-align:top;
}
.compare-table tr:last-child td { border-bottom:none; }
.compare-table tr:nth-child(even) td { background:var(--bg-alt); }
.compare-table .covered { color:var(--success); font-weight:600; }
.compare-table .not-covered { color:var(--danger); font-weight:600; }
.compare-table .maybe { color:var(--warning); font-weight:600; }

/* ── STAT CALLOUTS ── */
.stat-row {
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:12px;
  margin:20px 0;
}
@media(min-width:600px){ .stat-row { grid-template-columns:repeat(4,1fr); } }
.stat-box {
  background:var(--bg-alt);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:14px 12px;
  text-align:center;
}
.stat-box.stat-fire { background:var(--bg-fire); border-color:#f0b090; }
.stat-number { font-size:26px; font-weight:800; color:var(--primary); line-height:1; }
.stat-box.stat-fire .stat-number { color:var(--fire); }
.stat-label { font-size:11px; color:var(--text-light); margin-top:4px; line-height:1.3; }

/* ── SIDEBAR ── */
.sidebar {}
.sidebar-card {
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  overflow:hidden;
  margin-bottom:20px;
  box-shadow:var(--shadow-sm);
}
.sidebar-card-head {
  background:var(--primary);
  color:#fff;
  padding:12px 16px;
  font-size:13px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  display:flex;
  align-items:center;
  gap:8px;
}
.sidebar-card-body { padding:14px 16px; }
.sidebar-link {
  display:flex;
  align-items:center;
  gap:8px;
  padding:8px 0;
  border-bottom:1px solid var(--border-light);
  font-size:14px;
  color:var(--text-mid);
  text-decoration:none;
  transition:color var(--transition);
}
.sidebar-link:last-child { border-bottom:none; padding-bottom:0; }
.sidebar-link:hover { color:var(--secondary); }
.sidebar-link .sl-icon { font-size:14px; flex-shrink:0; }

/* ── CTA BOX ── */
.cta-box {
  background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius:var(--radius-lg);
  padding:24px 20px;
  text-align:center;
  color:#fff;
  margin:32px 0;
}
.cta-box h3 { font-size:18px; font-weight:700; margin-bottom:8px; }
.cta-box p { color:rgba(255,255,255,0.8); font-size:14px; margin-bottom:16px; }
.btn {
  display:inline-block;
  padding:10px 22px;
  border-radius:var(--radius);
  font-size:14px;
  font-weight:700;
  text-decoration:none;
  transition:all var(--transition);
  cursor:pointer;
  border:none;
}
.btn-gold {
  background:var(--gold-bright);
  color:var(--primary);
}
.btn-gold:hover { background:#e8b520; text-decoration:none; color:var(--primary); }
.btn-outline {
  background:transparent;
  color:#fff;
  border:2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover { border-color:#fff; background:rgba(255,255,255,0.1); text-decoration:none; }

/* ── DEFINITION CARD (glossary) ── */
.def-card {
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:14px 16px;
  margin-bottom:12px;
}
.def-term { font-size:15px; font-weight:700; color:var(--primary); margin-bottom:4px; }
.def-body { font-size:14px; color:var(--text-mid); margin:0; }

/* ── STATE BADGE ── */
.state-grid {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:10px;
  margin:20px 0;
}
@media(min-width:600px){ .state-grid { grid-template-columns:repeat(5,1fr); } }
.state-badge {
  display:block;
  text-align:center;
  padding:10px 6px;
  border:1px solid var(--border);
  border-radius:var(--radius);
  font-size:13px;
  font-weight:600;
  color:var(--secondary);
  text-decoration:none;
  transition:all var(--transition);
  background:var(--bg);
}
.state-badge:hover { background:var(--primary); color:#fff; border-color:var(--primary); text-decoration:none; }

/* ── TAG PILLS ── */
.tag-row { display:flex; flex-wrap:wrap; gap:6px; margin:12px 0; }
.tag {
  background:var(--bg-alt);
  border:1px solid var(--border);
  color:var(--text-mid);
  padding:3px 10px;
  border-radius:20px;
  font-size:12px;
  font-weight:500;
}
.tag-fire { background:var(--bg-fire); border-color:#f0a090; color:var(--fire); }
.tag-warning { background:#fdf6e8; border-color:#e0c060; color:var(--warning); }

/* ── CHECKLIST ── */
ul.checklist { list-style:none; padding:0; margin:12px 0; }
ul.checklist li {
  padding:5px 0 5px 24px;
  position:relative;
  font-size:14px;
  color:var(--text-mid);
  border-bottom:1px solid var(--border-light);
}
ul.checklist li:last-child { border-bottom:none; }
ul.checklist li::before {
  content:"✓";
  position:absolute;
  left:0;
  color:var(--success);
  font-weight:700;
}
ul.checklist.check-x li::before { content:"✗"; color:var(--danger); }

/* ── FOOTER ── */
.site-footer {
  background:var(--primary);
  color:rgba(255,255,255,0.65);
  padding:40px 16px 24px;
  margin-top:64px;
}
.footer-inner { max-width:var(--max-w); margin:0 auto; }
.footer-grid {
  display:grid;
  grid-template-columns:1fr;
  gap:28px;
  margin-bottom:32px;
}
@media(min-width:600px){ .footer-grid { grid-template-columns:1fr 1fr; } }
@media(min-width:900px){ .footer-grid { grid-template-columns:2fr 1fr 1fr 1fr; } }
.footer-brand .logo-name { color:#fff; font-size:17px; }
.footer-brand .logo-tag { color:var(--gold-bright); }
.footer-brand p { font-size:13px; margin-top:12px; color:rgba(255,255,255,0.55); }
.footer-col h4 { color:#fff; font-size:13px; font-weight:700; text-transform:uppercase; letter-spacing:0.5px; margin-bottom:12px; }
.footer-col a { display:block; color:rgba(255,255,255,0.55); font-size:13px; margin-bottom:7px; text-decoration:none; transition:color var(--transition); }
.footer-col a:hover { color:#fff; }
.footer-bottom {
  border-top:1px solid rgba(255,255,255,0.1);
  padding-top:20px;
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  justify-content:space-between;
  font-size:12px;
}
.footer-disclaimer { font-size:11px; color:rgba(255,255,255,0.35); margin-top:16px; line-height:1.6; }

/* ── UTILITIES ── */
.text-center { text-align:center; }
.mt-0 { margin-top:0; }
.mb-0 { margin-bottom:0; }
.mt-8 { margin-top:8px; }
.mt-16 { margin-top:16px; }
.mt-24 { margin-top:24px; }
.mb-16 { margin-bottom:16px; }
.mb-24 { margin-bottom:24px; }
.divider { border:none; border-top:1px solid var(--border); margin:28px 0; }
.prose { max-width:720px; }
.prose h2 { font-size:22px; font-weight:700; color:var(--primary); margin:32px 0 12px; }
.prose h3 { font-size:18px; font-weight:700; color:var(--primary); margin:24px 0 10px; }
.prose ul,
.prose ol { margin:12px 0 16px 20px; }
.prose li { margin-bottom:6px; font-size:15px; color:var(--text-mid); }
.prose strong { color:var(--text); font-weight:700; }

/* ── NAV JS HOOK ── */
.nav-hidden { display:none; }

/* ── RESPONSIVE TABLES ── */
.table-wrap { overflow-x:auto; -webkit-overflow-scrolling:touch; margin:16px 0; }