/* Meeka Insurance Agency LLC — modern rebuild */
:root{
  --ink:#0d2427;
  --ink-soft:#416064;
  --teal-900:#123b3f;
  --teal-800:#1b4f53;
  --teal-700:#255559;
  --teal-500:#3d8489;
  --teal-100:#e6f0f0;
  --amber:#c8862c;
  --amber-soft:#f8ebd2;
  --paper:#ffffff;
  --bg:#f5f8f8;
  --line:#dfe8e8;
  --radius:18px;
  --shadow:0 22px 45px -26px rgba(13,36,39,.4);
  --shadow-sm:0 10px 24px -18px rgba(13,36,39,.45);
  --font-display:"Fraunces","Libre Baskerville",Georgia,serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:var(--teal-700);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-display);line-height:1.15;margin:0 0 .5em;color:var(--teal-900);font-weight:600}
h1{font-size:clamp(2rem,4.4vw,3.1rem)}
h2{font-size:clamp(1.5rem,2.7vw,2.1rem)}
h3{font-family:var(--font-body);font-size:1.08rem;font-weight:700;letter-spacing:.01em}
p{margin:0 0 1.1em}
ul{margin:0 0 1.1em;padding-left:1.15em}
li{margin:.35em 0}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;border-radius:10px;z-index:99}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{max-height:46px;width:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-family:var(--font-display);font-size:1.12rem;color:var(--teal-900);font-weight:600}
.brand-text span{font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-soft)}
.site-nav{display:flex;align-items:center;gap:26px}
.site-nav ul{display:flex;gap:24px;list-style:none;margin:0;padding:0;font-size:.96rem;font-weight:600}
.site-nav a{color:var(--teal-900);text-decoration:none;padding-bottom:2px;border-bottom:2px solid transparent}
.site-nav a:hover,.site-nav a.is-active{border-color:var(--amber);text-decoration:none}
.nav-toggle{display:none;background:none;border:0;font-size:1.4rem;color:var(--teal-900);cursor:pointer}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:999px;font-weight:700;font-size:.95rem;border:2px solid transparent;cursor:pointer;text-decoration:none}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--teal-700);color:#fff;box-shadow:var(--shadow-sm)}
.btn-primary:hover{background:var(--teal-900)}
.btn-ghost{border-color:var(--teal-700);color:var(--teal-700);background:#fff}
.btn-amber{background:var(--amber);color:#2b1c05}
.btn-amber:hover{background:#b3741f;color:#fff}

/* ---------- hero ---------- */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--teal-900)}
.hero-media{position:absolute;inset:0}
.hero-media img{width:100%;height:100%;object-fit:cover;opacity:.72}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,rgba(9,30,32,.9) 8%,rgba(9,30,32,.62) 48%,rgba(9,30,32,.28) 100%)}
.hero-inner{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center;padding:84px 0 92px}
.hero h1,.hero h2{color:#fff}
.hero .eyebrow{display:inline-block;font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--amber-soft);background:rgba(255,255,255,.12);padding:7px 14px;border-radius:999px;margin-bottom:18px}
.hero p.lede{font-size:1.12rem;color:#e6efef;max-width:34em}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px}

/* ---------- quote card / forms ---------- */
.quote-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.quote-card h3{margin-bottom:4px}
.quote-card p.hint{margin:0 0 16px;font-size:.9rem;color:var(--ink-soft)}
.quote-form{display:grid;grid-template-columns:1fr 1fr auto;gap:10px;align-items:end}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--ink-soft)}
.field select,.field input{padding:12px 12px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:.98rem;background:#fff;color:var(--ink)}
.field select:focus,.field input:focus{outline:2px solid var(--teal-500);outline-offset:1px;border-color:var(--teal-500)}
.quote-note{margin:14px 0 0;font-size:.9rem;font-weight:600;color:var(--teal-800);background:var(--teal-100);padding:10px 12px;border-radius:12px}
.quote-stack{display:grid;gap:16px}

/* ---------- sections ---------- */
section{padding:70px 0}
.section-tight{padding:52px 0}
.section-alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:46rem;margin-bottom:34px}
.section-head p{color:var(--ink-soft)}
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:1fr 1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}
.card h3{margin-bottom:8px}
.card p{margin:0;color:var(--ink-soft);font-size:.97rem}
.card-icon{width:46px;height:46px;border-radius:14px;background:var(--teal-100);color:var(--teal-800);display:grid;place-items:center;font-size:1.3rem;margin-bottom:16px;font-weight:700}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split-media{border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.pill{display:inline-block;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--teal-800);background:var(--teal-100);padding:6px 12px;border-radius:999px;margin-bottom:14px}
.prose{max-width:52rem}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.94rem}
.prose th,.prose td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
.prose th{background:var(--teal-100);color:var(--teal-900)}
.prose address{font-style:normal;margin-bottom:1.2em}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin:0 0 34px}
.toc ol{margin:0;padding-left:1.2em}
.toc li{margin:.25em 0}
.toc h2{font-size:1.15rem;margin-bottom:.4em}
.cta-band{background:var(--teal-900);color:#fff;border-radius:26px;padding:44px;display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{color:#d6e6e6;margin:0}
.cta-details{font-size:1rem;color:#eaf4f4}
.cta-details a{color:#fff;font-weight:600}
.page-hero{background:var(--teal-900);color:#fff;padding:60px 0}
.page-hero h1{color:#fff;margin-bottom:8px}
.page-hero p{color:#d6e6e6;margin:0;max-width:44rem}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.frame{border:0;width:100%;min-height:820px;border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm)}
.map{border:0;width:100%;min-height:380px;border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.contact-list{list-style:none;padding:0;margin:0 0 22px}
.contact-list li{padding:14px 0;border-bottom:1px solid var(--line)}
.contact-list strong{display:block;font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-soft)}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0;padding:0;list-style:none}
.badges li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:.86rem;font-weight:600;color:var(--teal-800)}

/* ---------- footer ---------- */
.site-footer{background:#0c2a2c;color:#c9dcdc;padding:52px 0 28px;margin-top:10px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px}
.site-footer h3{color:#fff;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;font-family:var(--font-body)}
.site-footer a{color:#e8f2f2}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.4em 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.86rem;color:#9fbcbc}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .hero-inner{grid-template-columns:1fr;padding:60px 0 66px}
  .split,.grid-2,.cta-band{grid-template-columns:1fr;gap:30px}
  .grid-3{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav-toggle{display:block}
  .site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:14px 22px 20px;display:none}
  .site-nav.is-open{display:flex}
  .site-nav ul{flex-direction:column;gap:14px}
  .site-nav .btn{justify-content:center}
  .quote-form{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  section{padding:52px 0}
  .cta-band{padding:30px}
}