/* =========================================================
   COASO Risk Partners — site stylesheet
   Colors and fonts are defined once below in :root.
   ========================================================= */

:root {
  --navy-950: #081a33;
  --navy-900: #0b2343;
  --navy-800: #12305a;
  --navy-700: #1d4073;
  --slate-800: #1e293b;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50: #f8fafc;
  --white: #ffffff;

  /* Single accent color (teal). Passes WCAG AA on white. */
  --accent: #0f766e;
  --accent-dark: #115e59;
  --accent-on-dark: #5eead4; /* accent for text on navy backgrounds */

  --text: var(--slate-800);
  --text-muted: var(--slate-600);
  --border: var(--slate-200);

  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;

  --radius: 6px;
  --container: 1160px;
  --shadow: 0 1px 2px rgba(11, 35, 67, 0.06), 0 4px 16px rgba(11, 35, 67, 0.06);
}

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
}

img, svg { max-width: 100%; height: auto; }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 0.6em;
  font-weight: 600;
}
h1 { font-size: clamp(2.1rem, 4.5vw, 3.2rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.1rem; }

p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: 0.35em; }

a { color: var(--accent); text-underline-offset: 0.18em; }
a:hover { color: var(--accent-dark); }

:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 2px;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0);
  white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute;
  left: 1rem; top: -100px;
  background: var(--navy-900);
  color: var(--white);
  padding: 0.6rem 1rem;
  z-index: 100;
  border-radius: var(--radius);
}
.skip-link:focus { top: 1rem; color: var(--white); }

/* ---------- Header / navigation ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 1rem;
}
.logo {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy-900);
  text-decoration: none;
  white-space: nowrap;
}
.logo span { color: var(--accent); }
.logo:hover { color: var(--navy-900); }

.nav-toggle {
  display: none;
  align-items: center;
  gap: 0.5rem;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.5rem 0.75rem;
  font: inherit;
  font-size: 0.95rem;
  color: var(--navy-900);
  cursor: pointer;
}
.nav-toggle-bars,
.nav-toggle-bars::before,
.nav-toggle-bars::after {
  display: block;
  width: 18px; height: 2px;
  background: currentColor;
  position: relative;
}
.nav-toggle-bars::before,
.nav-toggle-bars::after { content: ""; position: absolute; left: 0; }
.nav-toggle-bars::before { top: -6px; }
.nav-toggle-bars::after { top: 6px; }

.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.primary-nav li { margin: 0; }
.primary-nav a {
  display: block;
  padding: 0.5rem 0.75rem;
  color: var(--slate-700);
  text-decoration: none;
  font-size: 0.97rem;
  font-weight: 500;
  border-radius: var(--radius);
}
.primary-nav a:hover { color: var(--navy-900); background: var(--slate-100); }
.primary-nav a[aria-current="page"] {
  color: var(--navy-900);
  box-shadow: inset 0 -2px 0 var(--accent);
  border-radius: 0;
}
.primary-nav .nav-cta { margin-left: 0.5rem; }
.primary-nav .nav-cta a {
  background: var(--navy-900);
  color: var(--white);
  padding: 0.55rem 1rem;
  border-radius: var(--radius);
  box-shadow: none;
}
.primary-nav .nav-cta a:hover { background: var(--navy-700); color: var(--white); }

@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .primary-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow);
  }
  .primary-nav.is-open { display: block; }
  .primary-nav ul {
    flex-direction: column;
    align-items: stretch;
    padding: 0.75rem 1.25rem 1.25rem;
  }
  .primary-nav a { padding: 0.75rem 0.5rem; }
  .primary-nav a[aria-current="page"] { box-shadow: inset 3px 0 0 var(--accent); padding-left: 0.85rem; }
  .primary-nav .nav-cta { margin: 0.5rem 0 0; }
  .primary-nav .nav-cta a { text-align: center; }
}
/* Without JavaScript, always show the menu */
.no-js .nav-toggle { display: none; }
.no-js .primary-nav { display: block; position: static; box-shadow: none; border: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.8rem 1.4rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  font-family: inherit;
  line-height: 1.3;
}
.btn-primary { background: var(--accent); color: var(--white); }
.btn-primary:hover { background: var(--accent-dark); color: var(--white); }
.btn-outline { border-color: var(--navy-900); color: var(--navy-900); background: transparent; }
.btn-outline:hover { background: var(--navy-900); color: var(--white); }
.btn-light { background: var(--white); color: var(--navy-900); }
.btn-light:hover { background: var(--slate-100); color: var(--navy-900); }
.btn-outline-light { border-color: rgba(255,255,255,0.7); color: var(--white); background: transparent; }
.btn-outline-light:hover { background: rgba(255,255,255,0.1); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.75rem; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy-950) 0%, var(--navy-800) 100%);
  color: var(--slate-200);
  padding: 5.5rem 0 5rem;
}
.hero h1 { color: var(--white); max-width: 20ch; }
.hero .lead { font-size: 1.2rem; max-width: 60ch; color: var(--slate-200); }
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.9rem;
}
.hero .eyebrow, .band-dark .eyebrow { color: var(--accent-on-dark); }

.page-hero {
  background: var(--navy-900);
  color: var(--slate-200);
  padding: 4rem 0 3.5rem;
}
.page-hero h1 { color: var(--white); margin-bottom: 0.4em; }
.page-hero p { max-width: 65ch; font-size: 1.12rem; margin: 0; }
.page-hero .eyebrow { color: var(--accent-on-dark); }

/* ---------- Sections ---------- */
.section { padding: 5rem 0; }
.section-tight { padding: 3.5rem 0; }
.band-muted { background: var(--slate-50); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.band-dark { background: var(--navy-900); color: var(--slate-200); }
.band-dark h2, .band-dark h3 { color: var(--white); }
.section-header { max-width: 720px; margin-bottom: 2.75rem; }
.section-header p { color: var(--text-muted); font-size: 1.1rem; }
.band-dark .section-header p { color: var(--slate-300); }

.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .section { padding: 3.5rem 0; }
  .hero { padding: 4rem 0 3.5rem; }
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
}
.card h3 { margin-bottom: 0.5em; }
.card p { color: var(--text-muted); }
.card .card-link { margin-top: auto; font-weight: 600; text-decoration: none; }
.card .card-link:hover { text-decoration: underline; }
.card-accent { border-top: 3px solid var(--accent); }

.icon {
  width: 44px; height: 44px;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--slate-100);
  color: var(--navy-800);
  border-radius: var(--radius);
  margin-bottom: 1rem;
}
.icon svg { width: 24px; height: 24px; }

.check-list { list-style: none; padding: 0; }
.check-list li {
  position: relative;
  padding-left: 1.75rem;
  margin-bottom: 0.6em;
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0.2rem; top: 0.45em;
  width: 0.45rem; height: 0.8rem;
  border: solid var(--accent);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.band-dark .check-list li::before { border-color: var(--accent-on-dark); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 2rem; } }

.feature { padding-left: 1.25rem; border-left: 3px solid var(--accent); }
.feature h3 { font-size: 1.15rem; }
.feature p { color: var(--text-muted); margin: 0; }
.band-dark .feature p { color: var(--slate-300); }
.band-dark .feature { border-left-color: var(--accent-on-dark); }

.steps { counter-reset: step; list-style: none; padding: 0; }
.steps li {
  counter-increment: step;
  position: relative;
  padding: 0 0 1.5rem 3.25rem;
  margin: 0;
}
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 0;
  width: 2.2rem; height: 2.2rem;
  border-radius: 50%;
  background: var(--navy-900); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.95rem;
}
.steps h3 { font-size: 1.1rem; margin-bottom: 0.25em; }
.steps p { color: var(--text-muted); margin: 0; }

/* ---------- Services detail ---------- */
.service-nav {
  display: flex; flex-wrap: wrap; gap: 0.5rem;
  list-style: none; padding: 0; margin: 0;
}
.service-nav li { margin: 0; }
.service-nav a {
  display: block;
  padding: 0.45rem 0.9rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  text-decoration: none;
  color: var(--navy-800);
  font-size: 0.95rem;
  background: var(--white);
}
.service-nav a:hover { border-color: var(--accent); color: var(--accent-dark); }

.service-block { scroll-margin-top: 90px; }
.service-block + .service-block { border-top: 1px solid var(--border); }
.service-block .split { grid-template-columns: 2fr 3fr; }
@media (max-width: 860px) { .service-block .split { grid-template-columns: 1fr; } }
.service-block h2 { margin-bottom: 0.4em; }
.service-block .intro { color: var(--text-muted); font-size: 1.08rem; }
.offering { margin-bottom: 1.4rem; }
.offering h3 { font-size: 1.12rem; font-family: var(--font-sans); font-weight: 700; margin-bottom: 0.25em; }
.offering p { color: var(--text-muted); margin: 0; }

.callout {
  background: var(--slate-50);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy-700);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius);
  font-size: 0.98rem;
  color: var(--slate-700);
}
.callout p:last-child { margin: 0; }

/* ---------- Placeholders (content the owner must replace) ---------- */
.placeholder {
  border: 2px dashed #b45309;
  background: #fffbeb;
  color: #78350f;
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
}
.placeholder strong { color: #78350f; }
.placeholder-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: #b45309;
  color: var(--white);
  padding: 0.15rem 0.5rem;
  border-radius: 3px;
  margin-bottom: 0.6rem;
}

/* ---------- Insights ---------- */
.article-card .meta {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}
.article-card .tag {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.4rem;
}
.prose { max-width: 72ch; }
.prose h2 { margin-top: 1.75em; }
.prose h3 { margin-top: 1.5em; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--slate-200);
  padding: 4.5rem 0;
}
.cta-band h2 { color: var(--white); }
.cta-band p { max-width: 60ch; font-size: 1.1rem; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field label {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy-900);
  margin-bottom: 0.35rem;
}
.field .req { color: #b91c1c; }
.field .hint { font-weight: 400; color: var(--text-muted); font-size: 0.88rem; }
.field input,
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  color: var(--text);
  padding: 0.7rem 0.85rem;
  border: 1px solid #94a3b8;
  border-radius: var(--radius);
  background: var(--white);
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus { outline: 3px solid rgba(15, 118, 110, 0.35); border-color: var(--accent); }
.field input[aria-invalid="true"],
.field select[aria-invalid="true"],
.field textarea[aria-invalid="true"] { border-color: #b91c1c; }
.field-error { color: #b91c1c; font-size: 0.88rem; margin-top: 0.3rem; }
.consent { display: flex; gap: 0.6rem; align-items: flex-start; font-size: 0.95rem; color: var(--slate-700); }
.consent input { margin-top: 0.35rem; width: auto; flex: none; }
.form-note { font-size: 0.9rem; color: var(--text-muted); }
.hp-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-status {
  margin-top: 1rem;
  padding: 0.9rem 1.1rem;
  border-radius: var(--radius);
  display: none;
}
.form-status.is-visible { display: block; }
.form-status.is-success { background: #ecfdf5; border: 1px solid #6ee7b7; color: #065f46; }
.form-status.is-error { background: #fef2f2; border: 1px solid #fca5a5; color: #991b1b; }

.contact-aside .card { margin-bottom: 1.25rem; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: var(--slate-300);
  padding: 4rem 0 2rem;
  font-size: 0.95rem;
}
.site-footer a { color: var(--slate-200); text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.3fr;
  gap: 2rem;
}
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .logo { color: var(--white); }
.footer-brand .logo span { color: var(--accent-on-dark); }
.footer-brand p { margin-top: 0.75rem; max-width: 36ch; }
.site-footer h2 {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1rem;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.5rem; }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 3rem;
  padding-top: 1.75rem;
  font-size: 0.87rem;
  color: var(--slate-300);
}
.footer-disclaimer p { max-width: 95ch; }
.footer-bottom {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem;
  font-size: 0.87rem;
}
.footer-bottom ul { display: flex; gap: 1.25rem; }
.footer-bottom li { margin: 0; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.muted { color: var(--text-muted); }
.small { font-size: 0.92rem; }
.placeholder-inline {
  background: #fef3c7;
  color: #78350f;
  padding: 0 0.3rem;
  border-radius: 3px;
  outline: 1px dashed #b45309;
}
.split-form { grid-template-columns: 3fr 2fr; }
@media (max-width: 860px) { .split-form { grid-template-columns: 1fr; } }