/* ============================================
   Condo Insurance Utah — Style System
   Colors: Green #8bc34a, Charcoal #333, White
   Fonts: Montserrat (headings), Lato (body)
   Style: Clean, professional
   ============================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Lato', sans-serif;
  color: #444;
  line-height: 1.75;
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #7cb342; text-decoration: none; transition: color .2s; }
a:hover { color: #558b2f; }

h1, h2, h3, h4 { font-family: 'Montserrat', sans-serif; color: #333; line-height: 1.3; font-weight: 700; }
h1 { font-size: 2.6rem; margin-bottom: 1rem; }
h2 { font-size: 1.9rem; margin-bottom: .75rem; }
h3 { font-size: 1.3rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  font-family: 'Montserrat', sans-serif;
}
.btn-primary { background: #8bc34a; color: #fff; }
.btn-primary:hover { background: #7cb342; color: #fff; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(139,195,74,.3); }
.btn-outline { border: 2px solid #8bc34a; color: #8bc34a; background: transparent; }
.btn-outline:hover { background: #8bc34a; color: #fff; }
.btn-white { background: #fff; color: #7cb342; }
.btn-white:hover { background: #f1f8e9; color: #558b2f; }
.btn-phone { background: transparent; border: 2px solid rgba(255,255,255,.4); color: #fff; }
.btn-phone:hover { border-color: #fff; background: rgba(255,255,255,.1); color: #fff; }

/* --- Header --- */
.site-header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 10px rgba(0,0,0,.06);
  border-bottom: 3px solid #8bc34a;
}
.site-header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 12px;
  padding-bottom: 12px;
}
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, #8bc34a, #7cb342);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1rem;
}
.logo-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: #333;
}
.logo-text span { color: #7cb342; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: #333; margin: 5px 0; border-radius: 2px; transition: .3s; }

.main-nav ul { list-style: none; display: flex; gap: 22px; align-items: center; }
.main-nav a { color: #555; font-weight: 600; font-size: .9rem; padding: 6px 0; transition: color .2s; }
.main-nav a:hover, .main-nav a.active { color: #7cb342; }
.header-phone { color: #333; font-weight: 700; font-size: .9rem; white-space: nowrap; }
.header-phone i { color: #8bc34a; margin-right: 4px; }
.header-phone:hover { color: #7cb342; }
.nav-cta {
  background: #8bc34a !important;
  color: #fff !important;
  padding: 10px 22px !important;
  border-radius: 6px;
  font-weight: 700 !important;
}
.nav-cta:hover { background: #7cb342 !important; }

/* --- Hero --- */
.hero {
  background: linear-gradient(170deg, rgba(40,40,40,.82) 0%, rgba(30,30,30,.75) 100%),
              url('https://images.unsplash.com/photo-1545324418-cc1a3fa10c00?w=1400&q=80') center/cover no-repeat;
  color: #fff;
  padding: 90px 0 100px;
}
.hero h1 { color: #fff; }
.hero h1 span { color: #8bc34a; }
.hero p { font-size: 1.15rem; max-width: 560px; margin-bottom: 2rem; opacity: .92; }

.hero-zip-form {
  display: flex;
  gap: 0;
  max-width: 400px;
  margin-bottom: 16px;
}
.hero-zip-form input {
  flex: 1;
  padding: 15px 18px;
  border: 2px solid rgba(255,255,255,.3);
  border-right: none;
  border-radius: 6px 0 0 6px;
  font-size: 1.05rem;
  font-family: 'Lato', sans-serif;
  background: rgba(255,255,255,.12);
  color: #fff;
  outline: none;
  transition: border-color .2s;
}
.hero-zip-form input::placeholder { color: rgba(255,255,255,.5); }
.hero-zip-form input:focus { border-color: #8bc34a; background: rgba(255,255,255,.18); }
.hero-zip-form button {
  padding: 15px 28px;
  background: #8bc34a;
  color: #fff;
  border: 2px solid #8bc34a;
  border-radius: 0 6px 6px 0;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  cursor: pointer;
  white-space: nowrap;
  transition: background .2s;
}
.hero-zip-form button:hover { background: #7cb342; border-color: #7cb342; }
.hero-zip-form.shake { animation: shake .4s ease-in-out; }
@keyframes shake { 0%,100%{transform:translateX(0)} 25%{transform:translateX(-6px)} 75%{transform:translateX(6px)} }

.hero-phone { margin-bottom: 20px; font-size: 1rem; opacity: .85; }
.hero-phone a { color: #fff; font-weight: 700; }
.hero-phone a:hover { color: #8bc34a; }

.trust-badges { display: flex; gap: 24px; flex-wrap: wrap; }
.trust-badges .badge { display: flex; align-items: center; gap: 8px; font-size: .88rem; opacity: .85; }
.trust-badges .badge i { color: #8bc34a; font-size: 1rem; }

/* --- Stats Bar --- */
.stats-bar { background: #fff; padding: 0; margin-top: -40px; position: relative; z-index: 10; }
.stats-bar .container { background: #fff; border-radius: 12px; box-shadow: 0 8px 30px rgba(0,0,0,.08); padding: 32px 40px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat-item { text-align: center; }
.stat-number { font-family: 'Montserrat', sans-serif; font-size: 1.8rem; font-weight: 800; color: #8bc34a; display: block; }
.stat-label { font-size: .85rem; color: #777; margin-top: 4px; }

/* --- Sections --- */
.section { padding: 80px 0; }
.section-alt { background: #f9faf5; }
.section-green { background: linear-gradient(135deg, #8bc34a, #689f38); color: #fff; }
.section-green h2 { color: #fff; }
.section-dark { background: #333; color: #eee; }
.section-dark h2 { color: #8bc34a; }
.section-header { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-header p { color: #777; font-size: 1.05rem; }

/* --- How It Works --- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; position: relative; }
.step-card { text-align: center; position: relative; padding: 0 16px; }
.step-number {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, #8bc34a, #7cb342);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: 1.3rem;
  margin: 0 auto 18px;
  box-shadow: 0 4px 12px rgba(139,195,74,.3);
}
.step-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.step-card p { color: #666; font-size: .92rem; margin: 0; }
.step-connector {
  position: absolute;
  top: 28px;
  left: calc(50% + 36px);
  width: calc(100% - 72px);
  height: 2px;
  background: #dcedc8;
}
.step-card:last-child .step-connector { display: none; }

/* --- Coverage Cards --- */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.coverage-card {
  background: #fff;
  border-radius: 10px;
  padding: 30px 24px;
  border: 1px solid #e8e8e8;
  transition: box-shadow .3s, transform .2s;
}
.coverage-card:hover { box-shadow: 0 8px 25px rgba(0,0,0,.06); transform: translateY(-2px); }
.coverage-card i { font-size: 1.8rem; color: #8bc34a; margin-bottom: 14px; display: block; }
.coverage-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.coverage-card p { color: #666; font-size: .9rem; margin: 0; }

/* --- Why Choose Us --- */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
.why-list { list-style: none; }
.why-list li {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 14px 0;
  border-bottom: 1px solid #eee;
}
.why-list li:last-child { border-bottom: none; }
.why-list i { color: #8bc34a; font-size: 1.2rem; margin-top: 3px; flex-shrink: 0; }
.why-list strong { display: block; color: #333; margin-bottom: 2px; }
.why-list span { color: #666; font-size: .9rem; }
.why-image {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(0,0,0,.08);
}

/* --- Content Split --- */
.content-split { display: grid; grid-template-columns: 5fr 4fr; gap: 50px; align-items: start; }

/* --- Info Cards --- */
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.info-card {
  background: #fff;
  border-radius: 10px;
  padding: 30px 24px;
  border: 1px solid #e8e8e8;
  transition: box-shadow .3s, transform .2s;
}
.info-card:hover { box-shadow: 0 8px 25px rgba(0,0,0,.06); transform: translateY(-2px); }
.info-card i { font-size: 1.8rem; color: #8bc34a; margin-bottom: 14px; }
.info-card p { color: #666; font-size: .9rem; margin: 0; }

/* --- Carrier Logos --- */
.carrier-section { text-align: center; }
.carrier-grid {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 36px; align-items: center;
  margin-top: 24px;
}
.carrier-grid span {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: #999;
  padding: 12px 20px;
  background: #f7f7f7;
  border-radius: 8px;
  border: 1px solid #eee;
}

/* --- FAQ --- */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { border: 1px solid #e8e8e8; border-radius: 8px; margin-bottom: 10px; overflow: hidden; background: #fff; }
.faq-question {
  width: 100%; padding: 18px 22px; background: none; border: none;
  display: flex; justify-content: space-between; align-items: center;
  cursor: pointer; font-family: 'Montserrat', sans-serif; font-weight: 600;
  font-size: 1rem; color: #333; text-align: left; transition: background .2s;
}
.faq-question:hover { background: #f9faf5; }
.faq-question i { color: #8bc34a; transition: transform .3s; font-size: .85rem; }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer-inner { padding: 0 22px 18px; color: #555; font-size: .95rem; line-height: 1.7; }

/* --- CTA Banner --- */
.cta-banner { background: linear-gradient(135deg, #8bc34a, #689f38); padding: 60px 0; text-align: center; color: #fff; }
.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p { font-size: 1.05rem; max-width: 520px; margin: 0 auto 24px; opacity: .9; }
.cta-buttons { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* --- Contact Section --- */
.contact-section { background: #333; color: #eee; padding: 80px 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: start; }
.contact-info h2 { color: #8bc34a; }
.contact-info p { color: rgba(255,255,255,.7); }
.contact-detail { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.contact-detail i { color: #8bc34a; font-size: 1.2rem; width: 20px; text-align: center; }
.contact-detail a { color: #fff; font-weight: 600; }
.contact-detail a:hover { color: #8bc34a; }
.contact-detail span { color: rgba(255,255,255,.7); }
.contact-form-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px;
  padding: 32px 28px;
}
.contact-form-card h3 { color: #fff; margin-bottom: 20px; }
.contact-form-card .form-group label { color: rgba(255,255,255,.8); }
.contact-form-card .form-group input,
.contact-form-card .form-group textarea {
  background: rgba(255,255,255,.08);
  border-color: rgba(255,255,255,.15);
  color: #fff;
}
.contact-form-card .form-group input:focus,
.contact-form-card .form-group textarea:focus {
  border-color: #8bc34a;
  box-shadow: 0 0 0 3px rgba(139,195,74,.15);
}
.contact-form-card .form-group input::placeholder,
.contact-form-card .form-group textarea::placeholder { color: rgba(255,255,255,.35); }

/* --- Forms --- */
.form-wrapper {
  background: #fff;
  border-radius: 12px;
  padding: 36px 32px;
  box-shadow: 0 6px 28px rgba(0,0,0,.07);
  border: 1px solid #e8e8e8;
}
.form-wrapper h2 { text-align: center; margin-bottom: 4px; font-size: 1.5rem; }
.form-subtitle { text-align: center; color: #888; margin-bottom: 24px; font-size: .9rem; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-group { margin-bottom: 14px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 5px; color: #333; font-size: .88rem; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 11px 14px; border: 1.5px solid #d0d0d0; border-radius: 6px;
  font-size: .95rem; font-family: 'Lato', sans-serif; transition: border-color .2s, box-shadow .2s;
  background: #fff;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: #8bc34a; box-shadow: 0 0 0 3px rgba(139,195,74,.12); }
.form-group textarea { resize: vertical; min-height: 70px; }
.form-group .error-msg { color: #e53935; font-size: .78rem; margin-top: 3px; display: none; }
.form-group.has-error input, .form-group.has-error select, .form-group.has-error textarea { border-color: #e53935; }
.form-group.has-error .error-msg { display: block; }
.form-consent { font-size: .8rem; color: #999; margin-bottom: 16px; display: flex; gap: 8px; align-items: flex-start; }
.form-consent input[type="checkbox"] { margin-top: 3px; accent-color: #8bc34a; }
.btn-submit { width: 100%; padding: 14px; font-size: 1rem; }
.form-success, .form-error { display: none; padding: 14px; border-radius: 8px; margin-top: 14px; font-weight: 600; text-align: center; font-size: .9rem; }
.form-success { background: #e8f5e9; color: #2e7d32; border: 1px solid #c8e6c9; }
.form-error { background: #ffebee; color: #c62828; border: 1px solid #ffcdd2; }

/* --- Multi-Step Form --- */
.form-progress { display: flex; justify-content: center; gap: 8px; margin-bottom: 28px; }
.form-progress-step {
  display: flex; align-items: center; gap: 8px;
  font-size: .85rem; font-weight: 600; color: #bbb;
  font-family: 'Montserrat', sans-serif;
}
.form-progress-step.active { color: #8bc34a; }
.form-progress-step.completed { color: #7cb342; }
.form-progress-dot {
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 2px solid #ddd;
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem; font-weight: 700;
}
.form-progress-step.active .form-progress-dot { border-color: #8bc34a; background: #8bc34a; color: #fff; }
.form-progress-step.completed .form-progress-dot { border-color: #7cb342; background: #7cb342; color: #fff; }
.form-progress-line { width: 40px; height: 2px; background: #ddd; align-self: center; }
.form-progress-line.active { background: #8bc34a; }

.form-step { display: none; }
.form-step.active { display: block; }
.form-step-nav { display: flex; gap: 12px; margin-top: 8px; }
.form-step-nav .btn { flex: 1; justify-content: center; }
.btn-skip { background: transparent; color: #999; border: 1px solid #ddd; }
.btn-skip:hover { background: #f5f5f5; color: #666; }

/* --- Trust Signals (below form) --- */
.form-trust { display: flex; justify-content: center; gap: 24px; margin-top: 20px; flex-wrap: wrap; }
.form-trust-item { display: flex; align-items: center; gap: 6px; font-size: .8rem; color: #888; }
.form-trust-item i { color: #8bc34a; }

/* --- City Links --- */
.city-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.city-link {
  display: block;
  padding: 10px 14px;
  font-size: .88rem;
  color: #555;
  border-radius: 6px;
  transition: background .2s, color .2s;
}
.city-link:hover { background: #f1f8e9; color: #7cb342; }

/* --- Breadcrumbs --- */
.breadcrumbs { padding: 14px 0; font-size: .82rem; color: #999; }
.breadcrumbs a { color: #7cb342; }
.breadcrumbs a:hover { color: #558b2f; }
.breadcrumbs span { margin: 0 6px; color: #ccc; }

/* --- Thank You Page --- */
.thank-you-icon { font-size: 4rem; color: #8bc34a; margin-bottom: 20px; }
.thank-you-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; max-width: 700px; margin: 36px auto 0; }
.thank-you-step { text-align: center; }
.thank-you-step .step-num {
  width: 44px; height: 44px;
  background: #e8f5e9;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #7cb342; font-weight: 700; font-family: 'Montserrat', sans-serif;
  margin: 0 auto 12px;
}
.thank-you-step p { font-size: .9rem; color: #666; margin: 0; }

/* --- 404 Page --- */
.error-code { font-size: 8rem; font-weight: 800; color: #8bc34a; font-family: 'Montserrat', sans-serif; line-height: 1; }

/* --- Legal Pages --- */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.4rem; margin-top: 2rem; }
.legal-content p, .legal-content li { color: #555; font-size: .95rem; }
.legal-content ul { margin: 12px 0 12px 24px; }
.legal-content li { margin-bottom: 6px; }

/* --- Footer --- */
.site-footer { background: #2a2a2a; color: rgba(255,255,255,.6); padding: 60px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-about .logo-text { color: #fff; font-size: 1.2rem; }
.footer-about p { font-size: .85rem; margin-top: 10px; }
.footer-links h4, .footer-contact h4 { color: #8bc34a; font-size: .88rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 1px; font-family: 'Montserrat', sans-serif; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: rgba(255,255,255,.6); font-size: .85rem; }
.footer-links a:hover { color: #8bc34a; }
.footer-contact p { font-size: .85rem; margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.footer-contact i { color: #8bc34a; width: 14px; }
.footer-contact a { color: rgba(255,255,255,.6); }
.footer-contact a:hover { color: #8bc34a; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 24px; display: flex; justify-content: space-between; font-size: .8rem; }
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: #8bc34a; }
.footer-legal { display: flex; gap: 20px; }

/* --- Sticky Mobile CTA --- */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #fff;
  padding: 10px 16px;
  box-shadow: 0 -4px 20px rgba(0,0,0,.1);
  z-index: 90;
  gap: 10px;
  align-items: center;
  justify-content: center;
}
.sticky-cta .btn { flex: 1; justify-content: center; padding: 12px 16px; font-size: .9rem; }
.sticky-cta .btn-call { background: #333; color: #fff; }
.sticky-cta .btn-call:hover { background: #555; }

/* --- Responsive --- */
@media (max-width: 968px) {
  .info-grid, .coverage-grid { grid-template-columns: 1fr 1fr; }
  .content-split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .city-grid { grid-template-columns: repeat(3, 1fr); }
  .stats-bar .container { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }
  .step-connector { display: none; }
  .why-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .thank-you-steps { grid-template-columns: 1fr; }
  h1 { font-size: 2.1rem; }
  .hero { padding: 60px 0 70px; }
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: fixed; top: 0; right: -100%; width: 270px; height: 100vh;
    background: #fff; box-shadow: -4px 0 20px rgba(0,0,0,.08);
    transition: right .3s; z-index: 200; padding: 70px 28px 28px;
  }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav li { border-bottom: 1px solid #eee; }
  .main-nav a { display: block; padding: 14px 0; }
  .nav-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.3); z-index: 150; }
  .nav-overlay.active { display: block; }
  .header-phone { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 24px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .section { padding: 50px 0; }
  .city-grid { grid-template-columns: 1fr 1fr; }
  .info-grid, .coverage-grid { grid-template-columns: 1fr; }
  .trust-badges { gap: 14px; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .stats-bar { margin-top: -24px; }
  .stats-bar .container { padding: 24px 20px; }
  .stat-number { font-size: 1.5rem; }
  .sticky-cta.visible { display: flex; }
  .site-footer { padding-bottom: 80px; }
}