/* =========================================================
   Chambers Insurance — Design tokens
   ========================================================= */
:root {
  --color-primary: #ba1e23;
  --color-primary-dark: #8f1519;
  --color-primary-hover: #f52027;
  --color-ink: #1e1e1f;
  --color-ink-soft: #4a4a4d;
  --color-white: #ffffff;
  --color-bg-alt: #f6f5f3;
  --color-bg-dark: #17171a;
  --color-border: #e6e3df;

  --font-heading: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-body: "Mulish", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1240px;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 10px 30px rgba(30, 30, 31, 0.08);
  --shadow-lg: 0 20px 50px rgba(30, 30, 31, 0.14);
  --header-height: 84px;
}

/* =========================================================
   Reset
   ========================================================= */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--color-ink);
  background: var(--color-white);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-primary); text-decoration: none; }
a:hover { color: var(--color-primary-hover); }
ul { margin: 0; padding: 0; list-style: none; }
button { font-family: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 800;
  color: var(--color-ink);
  line-height: 1.15;
  margin: 0 0 0.5em;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.25rem, 4vw + 1rem, 3.75rem); }
h2 { font-size: clamp(1.75rem, 2.5vw + 1rem, 2.75rem); }
h3 { font-size: clamp(1.35rem, 1.4vw + 1rem, 1.75rem); }
h4 { font-size: 1.2rem; }
p { margin: 0 0 1.1em; color: var(--color-ink-soft); }
p:last-child { margin-bottom: 0; }

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}
.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--color-primary);
  color: #fff;
  padding: 12px 20px;
  z-index: 10000;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* =========================================================
   Buttons
   ========================================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: var(--color-primary);
  color: #fff;
  box-shadow: 0 8px 20px rgba(186, 30, 35, 0.28);
}
.btn-primary:hover { background: var(--color-primary-hover); color: #fff; }
.btn-outline {
  background: transparent;
  border-color: currentColor;
  color: var(--color-ink);
}
.btn-outline:hover { background: var(--color-ink); color: #fff; }
.btn-outline-light {
  background: transparent;
  border-color: rgba(255,255,255,0.7);
  color: #fff;
}
.btn-outline-light:hover { background: #fff; color: var(--color-ink); }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-block { width: 100%; }

/* =========================================================
   Header
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--color-border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: var(--header-height);
}
.site-logo img { height: 42px; width: auto; }
.site-logo { display: flex; align-items: center; }

.primary-nav { display: none; }
@media (min-width: 1080px) {
  .primary-nav { display: block; }
}
.primary-nav > ul { display: flex; align-items: center; gap: 4px; }
.primary-nav > ul > li { position: relative; display: flex; align-items: center; }
.primary-nav .menu-link {
  display: flex;
  align-items: center;
  padding: 10px 16px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-ink);
  border-radius: 999px;
}
.primary-nav .menu-link:hover,
.primary-nav > ul > li:hover > .menu-link,
.primary-nav > ul > li.menu-open > .menu-link {
  background: var(--color-bg-alt);
  color: var(--color-primary);
}
.primary-nav .submenu-toggle {
  display: flex; align-items: center; justify-content: center;
  width: 26px; height: 26px;
  margin-left: -6px;
  background: none; border: none; cursor: pointer;
  color: var(--color-ink-soft);
}
.primary-nav .caret { font-size: 0.7em; display: inline-block; transition: transform 0.15s ease; }
.primary-nav li.menu-open .caret,
.primary-nav li:hover .caret { transform: rotate(180deg); }

.sub-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 260px;
  background: #fff;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s ease;
}
.primary-nav li:hover > .sub-menu,
.primary-nav li.menu-open > .sub-menu,
.primary-nav li:focus-within > .sub-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.sub-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: 8px;
  color: var(--color-ink);
  font-size: 0.92rem;
  font-weight: 500;
}
.sub-menu a:hover { background: var(--color-bg-alt); color: var(--color-primary); }

.header-actions { display: flex; align-items: center; gap: 12px; }
.header-phone {
  display: none;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--color-ink);
}
@media (min-width: 780px) { .header-phone { display: flex; } }
.header-phone svg { flex: none; }

.mobile-nav-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 999px;
  border: 1px solid var(--color-border);
  background: #fff;
  cursor: pointer;
}
@media (min-width: 1080px) { .mobile-nav-toggle { display: none; } }
.mobile-nav-toggle svg { width: 20px; height: 20px; }

/* Mobile menu panel */
.mobile-nav {
  position: fixed;
  inset: 0;
  z-index: 1000;
  background: #fff;
  transform: translateX(100%);
  transition: transform 0.25s ease;
  overflow-y: auto;
  padding: 20px 24px 60px;
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.mobile-nav-close {
  width: 44px; height: 44px; border-radius: 999px; border: 1px solid var(--color-border);
  background: #fff; display: flex; align-items: center; justify-content: center; cursor: pointer;
}
.mobile-nav ul { display: flex; flex-direction: column; }
.mobile-nav > ul > li { border-bottom: 1px solid var(--color-border); }
.mobile-nav > ul > li { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; }
.mobile-nav .menu-link {
  flex: 1;
  display: block;
  padding: 16px 4px; font-family: var(--font-heading);
  font-weight: 700; font-size: 1.05rem; color: var(--color-ink);
}
.mobile-nav .submenu-toggle {
  width: 44px; height: 44px;
  display: flex; align-items: center; justify-content: center;
  background: none; border: none; cursor: pointer; color: var(--color-ink-soft);
}
.mobile-nav .submenu-toggle .caret { font-size: 1rem; transition: transform 0.15s ease; }
.mobile-nav li.menu-open .submenu-toggle .caret { transform: rotate(180deg); }
.mobile-nav .sub-menu {
  position: static; box-shadow: none; border: none; opacity: 1; visibility: visible;
  transform: none; display: none; width: 100%; padding: 0 0 12px 12px; background: transparent;
}
.mobile-nav li.menu-open .sub-menu { display: block; }
.mobile-nav .sub-menu a { font-weight: 500; font-size: 0.98rem; padding: 10px 4px; }
.mobile-cta { margin-top: 24px; display: flex; flex-direction: column; gap: 12px; }

body.nav-open { overflow: hidden; }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--color-ink);
  color: #fff;
}
.hero-media {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
}
.hero-media::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(20,20,22,0.92) 0%, rgba(20,20,22,0.72) 45%, rgba(186,30,35,0.55) 100%);
}
.hero-inner {
  position: relative;
  padding: 90px 0 100px;
  max-width: 680px;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 6px 16px; border-radius: 999px;
  font-family: var(--font-heading); font-weight: 700; font-size: 0.8rem;
  letter-spacing: 0.04em; text-transform: uppercase;
  margin-bottom: 20px;
}
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero p.lead { color: rgba(255,255,255,0.86); font-size: 1.15rem; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }

/* Simple page hero (inner pages) */
.page-hero {
  background: var(--color-ink);
  color: #fff;
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(60% 100% at 100% 0%, rgba(186,30,35,0.45), transparent 60%);
}
.page-hero .container { position: relative; }
.page-hero .breadcrumb { color: rgba(255,255,255,0.6); font-size: 0.85rem; margin-bottom: 14px; font-weight: 600; }
.page-hero .breadcrumb a { color: rgba(255,255,255,0.75); }
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p.lead { color: rgba(255,255,255,0.82); font-size: 1.1rem; max-width: 640px; margin-bottom: 0; }
.page-hero .hero-actions { margin-top: 24px; }

/* =========================================================
   Sections / layout helpers
   ========================================================= */
.section { padding: 76px 0; }
.section-alt { background: var(--color-bg-alt); }
.section-dark { background: var(--color-bg-dark); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark p { color: rgba(255,255,255,0.75); }

.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head.center { margin-inline: auto; text-align: center; }
.eyebrow {
  display: inline-block;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(1, 1fr); }
.grid-3 { grid-template-columns: repeat(1, 1fr); }
.grid-4 { grid-template-columns: repeat(2, 1fr); }
@media (min-width: 680px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 980px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.two-col {
  display: grid;
  gap: 48px;
  align-items: center;
  grid-template-columns: 1fr;
}
@media (min-width: 900px) {
  .two-col { grid-template-columns: 1fr 1fr; }
  .two-col.reverse > *:first-child { order: 2; }
}
.two-col img { border-radius: var(--radius); box-shadow: var(--shadow-lg); }

/* Cards */
.card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card .icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: rgba(186,30,35,0.1);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  font-size: 1.4rem;
}
.card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.card p { margin-bottom: 0; font-size: 0.96rem; }
.card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; font-weight: 700; font-family: var(--font-heading); font-size: 0.92rem; }

/* Stat strip */
.stat-strip { display: grid; gap: 24px; grid-template-columns: repeat(2, 1fr); }
@media (min-width: 780px) { .stat-strip { grid-template-columns: repeat(4, 1fr); } }
.stat { text-align: center; }
.stat .num { font-family: var(--font-heading); font-weight: 800; font-size: clamp(1.9rem, 3vw, 2.6rem); color: var(--color-primary); display: block; }
.stat .label { font-weight: 600; color: var(--color-ink-soft); font-size: 0.9rem; }

/* Insurer logos strip */
.logo-strip { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; align-items: center; }
@media (min-width: 680px) { .logo-strip { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 980px) { .logo-strip { grid-template-columns: repeat(6, 1fr); } }
.logo-strip img { max-height: 46px; width: auto; margin-inline: auto; filter: grayscale(100%); opacity: 0.7; transition: filter 0.2s ease, opacity 0.2s ease; }
.logo-strip img:hover { filter: grayscale(0%); opacity: 1; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(120deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  color: #fff;
  border-radius: var(--radius);
  padding: 52px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.cta-banner h2 { color: #fff; margin-bottom: 6px; }
.cta-banner p { color: rgba(255,255,255,0.88); margin-bottom: 0; }
.cta-banner .btn-primary { background: #fff; color: var(--color-primary); box-shadow: none; }
.cta-banner .btn-primary:hover { background: var(--color-ink); color: #fff; }

/* Chip list (Who it's for / discounts) */
.chip-list { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--color-ink);
}

/* Content blocks used on coverage pages */
.content-block { margin-bottom: 40px; }
.content-block:last-child { margin-bottom: 0; }
.content-block h2 { margin-bottom: 18px; }
.content-block h3 { margin-top: 28px; margin-bottom: 8px; color: var(--color-primary); }
.coverage-item { padding: 18px 0; border-bottom: 1px solid var(--color-border); }
.coverage-item:last-child { border-bottom: none; }
.coverage-item strong { font-family: var(--font-heading); color: var(--color-ink); }
.check-list li { position: relative; padding-left: 30px; margin-bottom: 10px; color: var(--color-ink-soft); }
.check-list li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  color: var(--color-primary); font-weight: 800;
}

.page-layout { display: grid; gap: 48px; grid-template-columns: 1fr; padding: 72px 0; }
@media (min-width: 980px) { .page-layout { grid-template-columns: 2fr 1fr; } }
.page-sidebar { display: flex; flex-direction: column; gap: 24px; }
.sidebar-card {
  background: var(--color-bg-alt);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--color-border);
}
.sidebar-card h3 { font-size: 1.1rem; }
.sidebar-card.dark { background: var(--color-ink); color: #fff; }
.sidebar-card.dark h3, .sidebar-card.dark p { color: #fff; }
.sidebar-card .phone-link { font-family: var(--font-heading); font-weight: 800; font-size: 1.3rem; color: var(--color-primary); display: block; margin: 10px 0; }

/* Office cards (Contact page) */
.office-card { padding: 32px; }
.office-card h3 { color: var(--color-primary); margin-bottom: 18px; }
.office-meta { display: grid; gap: 16px; grid-template-columns: 1fr; margin-top: 18px; }
@media (min-width: 560px) { .office-meta { grid-template-columns: 1fr 1fr; } }
.office-meta .label { font-family: var(--font-heading); font-weight: 700; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-ink-soft); margin-bottom: 4px; }
.office-meta .value { font-weight: 600; }

/* Forms */
.form-field { margin-bottom: 18px; }
.form-field label { display: block; font-weight: 700; font-family: var(--font-heading); margin-bottom: 6px; font-size: 0.92rem; }
.form-field input, .form-field textarea, .form-field select {
  width: 100%;
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--color-border);
  font-family: var(--font-body);
  font-size: 1rem;
  background: #fff;
}
.form-field input:focus, .form-field textarea:focus, .form-field select:focus {
  outline: none; border-color: var(--color-primary);
}
.form-note { font-size: 0.82rem; color: var(--color-ink-soft); margin-top: 10px; }

/* Team / people */
.team-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg); }

/* Job cards (careers) */
.job-card { display: flex; flex-direction: column; gap: 12px; }
.job-card .meta { font-size: 0.85rem; font-weight: 700; color: var(--color-primary); text-transform: uppercase; letter-spacing: 0.04em; }

/* Steps (refer a friend) */
.step-list { counter-reset: step; display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 780px) { .step-list { grid-template-columns: repeat(3, 1fr); } }
.step { position: relative; padding-top: 8px; }
.step::before {
  counter-increment: step;
  content: counter(step);
  display: flex; align-items: center; justify-content: center;
  width: 44px; height: 44px;
  border-radius: 999px;
  background: var(--color-primary);
  color: #fff;
  font-family: var(--font-heading); font-weight: 800; font-size: 1.1rem;
  margin-bottom: 16px;
}

/* Generic block-editor content styling (fallback for page.php) */
.entry-content > * + * { margin-top: 1.1em; }
.entry-content h2 { margin-top: 1.4em; }
.entry-content ul { list-style: disc; padding-left: 1.4em; }
.entry-content ul li { margin-bottom: 6px; color: var(--color-ink-soft); }
.entry-content .wp-block-button__link { display: inline-flex; }

/* =========================================================
   Footer
   ========================================================= */
.site-footer { background: var(--color-bg-dark); color: rgba(255,255,255,0.75); padding: 72px 0 0; }
.footer-top { display: grid; gap: 40px; grid-template-columns: 1fr; padding-bottom: 56px; border-bottom: 1px solid rgba(255,255,255,0.1); }
@media (min-width: 780px) { .footer-top { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-top h4 { color: #fff; font-size: 0.95rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 18px; }
.footer-brand img { height: 38px; margin-bottom: 16px; }
.footer-brand p { max-width: 320px; }
.footer-top ul li { margin-bottom: 10px; }
.footer-top a { color: rgba(255,255,255,0.75); }
.footer-top a:hover { color: #fff; }
.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.25);
  display: flex; align-items: center; justify-content: center;
}
.footer-social a:hover { background: var(--color-primary); border-color: var(--color-primary); }
.footer-bottom {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 12px; padding: 24px 0; font-size: 0.85rem;
}
.footer-bottom ul { display: flex; flex-wrap: wrap; gap: 18px; }

/* =========================================================
   Misc
   ========================================================= */
.divider { height: 1px; background: var(--color-border); margin: 56px 0; }
.badge-canadian {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-heading); font-weight: 700; font-size: 0.85rem;
}