/* Ask Lisa Insurance — asklisainsurance.com
   LBR Insurance Advisors LLC
   Palette: deep forest green, warm paper, ochre accent.
   Type: Newsreader (headings) + Source Sans 3 (body).
   Body text 19px minimum. WCAG 2.1 AA contrast targets.
   No trackers, no analytics, no advertising pixels. */

:root {
  --green-900: #163A2B;
  --green-700: #1F4A38;
  --green-100: #D8E3DC;
  --ochre:     #A9761F;
  --paper:     #FBF9F4;
  --band:      #EFE9DC;
  --ink:       #23231F;
  --ink-soft:  #4A4A42;
  --rule:      #D5CDBC;
  --measure:   34rem;
}

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Source Sans 3", "Source Sans Pro", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  font-size: 19px;
  line-height: 1.65;
}

h1, h2, h3, h4 {
  font-family: Newsreader, Georgia, "Times New Roman", serif;
  font-weight: 400;
  line-height: 1.2;
  color: var(--green-900);
  margin: 0 0 0.6em;
}

h1 { font-size: 2.6rem; letter-spacing: -0.01em; }
h2 { font-size: 1.95rem; }
h3 { font-size: 1.3rem; font-family: "Source Sans 3", sans-serif; font-weight: 700; color: var(--ink); }
h4 { font-size: 1.1rem; font-family: "Source Sans 3", sans-serif; font-weight: 700; color: var(--ink); }

p { margin: 0 0 1.1em; max-width: var(--measure); }
ul, ol { max-width: var(--measure); }

a { color: var(--green-700); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--ochre); }

a:focus-visible, button:focus-visible, input:focus-visible,
textarea:focus-visible, summary:focus-visible {
  outline: 3px solid var(--ochre);
  outline-offset: 2px;
}

.wrap { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* ---------- skip link ---------- */

.skip {
  position: absolute; left: -9999px;
  background: var(--green-900); color: #fff;
  padding: 12px 18px; z-index: 200;
}
.skip:focus { left: 8px; top: 8px; }

/* ---------- compliance bar ---------- */

.compliance-bar {
  background: var(--band);
  color: var(--ink);
  font-size: 15px;
  line-height: 1.45;
  text-align: center;
  padding: 9px 24px;
  border-bottom: 1px solid var(--rule);
}

/* ---------- header ---------- */

.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  position: sticky; top: 0; z-index: 100;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; min-height: 76px;
}

.wordmark { text-decoration: none; display: block; padding: 8px 0; }
.wordmark .mark {
  display: block;
  font-family: Newsreader, Georgia, serif;
  font-size: 1.6rem; line-height: 1;
  color: var(--green-900);
}
.wordmark .entity {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ochre);
  margin-top: 4px;
}
.wordmark:hover .mark { color: var(--green-700); }

.nav { display: flex; align-items: center; gap: 26px; }
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-weight: 600;
  font-size: 1rem;
  padding: 10px 0;
  border-bottom: 2px solid transparent;
}
.nav a:hover { color: var(--green-700); border-bottom-color: var(--rule); }
.nav a[aria-current="page"] { border-bottom-color: var(--ochre); }

.btn {
  display: inline-block;
  font-family: "Source Sans 3", sans-serif;
  font-weight: 700;
  font-size: 1.02rem;
  text-decoration: none;
  padding: 13px 22px;
  min-height: 44px;
  border: 2px solid var(--green-900);
  cursor: pointer;
}
.btn-primary { background: var(--green-900); color: #fff; }
.btn-primary:hover { background: var(--green-700); border-color: var(--green-700); color: #fff; }
.btn-secondary { background: transparent; color: var(--green-900); }
.btn-secondary:hover { background: var(--green-100); color: var(--green-900); }
.btn-nav { padding: 12px 20px; }

.menu-toggle { display: none; background: none; border: 2px solid var(--rule); padding: 10px 14px; font-size: 1rem; font-weight: 700; color: var(--green-900); min-height: 44px; }

/* ---------- sections ---------- */

section { padding: 60px 0; }
section.band { background: var(--band); }
section.tight { padding: 44px 0; }

.hero { padding: 56px 0 44px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 52px;
  align-items: center;
}
.hero h1 { margin-bottom: 0.45em; }
.hero p { font-size: 1.12rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }

.portrait {
  width: 100%;
  max-width: 300px;
  height: auto;
  display: block;
  border-bottom: 5px solid var(--ochre);
}

.trust-strip {
  background: var(--green-900);
  color: #fff;
  padding: 16px 0;
  font-size: 1rem;
}
.trust-strip ul {
  list-style: none; margin: 0; padding: 0; max-width: none;
  display: flex; flex-wrap: wrap; gap: 14px 46px; justify-content: center;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 34px;
}
.card { border-top: 3px solid var(--ochre); padding-top: 16px; }
.card h3 { margin-bottom: 0.4em; }
.card p { margin-bottom: 0; }

.steps { list-style: none; margin: 0; padding: 0; max-width: 46rem; }
.steps li {
  display: grid;
  grid-template-columns: 38px 1fr;
  gap: 18px;
  margin-bottom: 22px;
}
.step-num {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--green-900); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.95rem;
}
.steps p { margin: 0; }

.pullquote {
  border-left: 4px solid var(--ochre);
  padding: 4px 0 4px 20px;
  margin: 26px 0 0;
  max-width: var(--measure);
}
.pullquote p:last-child { margin-bottom: 0; }

.resource-list { list-style: none; margin: 0; padding: 0; max-width: 44rem; }
.resource-list li { border-bottom: 1px solid var(--rule); padding: 14px 0; }
.resource-list li:first-child { border-top: 1px solid var(--rule); }

.prose { max-width: var(--measure); }
.prose h2 { margin-top: 1.7em; }
.prose h3 { margin-top: 1.6em; }
.prose h2:first-child, .prose h3:first-child { margin-top: 0; }

.signature { border-top: 1px solid var(--rule); padding-top: 22px; margin-top: 36px; }
.signature p { margin-bottom: 0.3em; }

.reviewed { font-size: 0.95rem; color: var(--ink-soft); font-style: italic; margin-top: 34px; }

/* ---------- contact ---------- */

.contact-methods {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 260px));
  gap: 36px;
  margin: 32px 0 0;
}
.contact-methods h2 { font-size: 1.15rem; font-family: "Source Sans 3", sans-serif; font-weight: 700; color: var(--ink); margin-bottom: 0.3em; }
.contact-big { font-size: 1.35rem; font-weight: 700; color: var(--green-900); display: block; margin-bottom: 4px; }
.contact-big a { color: var(--green-900); }

form { max-width: 34rem; }
.field { margin-bottom: 22px; }
.field label { display: block; font-weight: 700; font-size: 1rem; margin-bottom: 7px; }
.field input, .field textarea {
  width: 100%;
  font-family: inherit;
  font-size: 1.05rem;
  padding: 12px 14px;
  min-height: 48px;
  border: 1px solid var(--green-900);
  background: #fff;
  color: var(--ink);
}
.field textarea { min-height: 168px; resize: vertical; }
.help { font-size: 0.95rem; color: var(--ink-soft); margin: -8px 0 24px; max-width: 34rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.ptc {
  border: 2px solid var(--green-900);
  background: #fff;
  padding: 20px;
  margin-bottom: 24px;
}
.ptc-row { display: grid; grid-template-columns: 26px 1fr; gap: 14px; align-items: start; }
.ptc input[type="checkbox"] { width: 24px; height: 24px; margin: 3px 0 0; }
.ptc label { font-size: 1rem; line-height: 1.5; }
.ptc p { margin: 14px 0 0; font-size: 1rem; }
.ptc .solicit { font-weight: 700; }

.error-box {
  border: 2px solid #8C2B14;
  background: #FBEEEA;
  color: #6E210F;
  padding: 16px 18px;
  margin-bottom: 26px;
  max-width: 34rem;
}
.error-box p { margin: 0; }

/* ---------- footer ---------- */

.site-footer {
  background: var(--green-900);
  color: #fff;
  font-size: 16px;
  line-height: 1.6;
  padding: 52px 0 40px;
  margin-top: 0;
}
.site-footer a { color: #fff; }
.site-footer a:hover { color: var(--green-100); }
.footer-cols {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
}
.footer-cols h2 {
  font-family: "Source Sans 3", sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--green-100);
  margin-bottom: 14px;
}
.footer-cols p, .footer-cols ul { margin: 0; max-width: none; }
.footer-cols ul { list-style: none; padding: 0; }
.footer-cols li { margin-bottom: 9px; }

.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.28);
  margin-top: 40px;
  padding-top: 26px;
}
.footer-legal p { font-size: 16px; color: #fff; max-width: 60rem; margin-bottom: 1em; }
.footer-legal p:last-child { margin-bottom: 0; }

/* ---------- mobile call bar ---------- */

.callbar { display: none; }

/* ---------- responsive ---------- */

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 30px; }
  .hero-grid .portrait-wrap { order: -1; }
  .portrait { max-width: 230px; }
  .cards { grid-template-columns: 1fr; gap: 30px; }
  .footer-cols { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 760px) {
  h1 { font-size: 2.1rem; }
  h2 { font-size: 1.65rem; }
  .menu-toggle { display: block; }
  .nav {
    display: none;
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--rule);
    padding: 8px 24px 20px;
  }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--rule); }
  .nav .btn { margin-top: 14px; text-align: center; }
  .site-header { position: static; }
  .contact-methods { grid-template-columns: 1fr; gap: 26px; }
  .trust-strip ul { flex-direction: column; gap: 8px; align-items: center; text-align: center; }
  body { padding-bottom: 68px; }
  .callbar {
    display: block;
    position: fixed; bottom: 0; left: 0; right: 0; z-index: 150;
    background: var(--green-900);
    border-top: 2px solid var(--ochre);
    text-align: center;
  }
  .callbar a {
    display: block;
    color: #fff; text-decoration: none;
    font-weight: 700; font-size: 1.05rem;
    padding: 17px 16px;
    min-height: 44px;
  }
}

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

@media print {
  .site-header, .callbar, .compliance-bar { display: none; }
}