/* Haul Good Insurance site styles. Built on brand-tokens v2.0 */
:root {
  --hg-navy: #05293E;
  --hg-navy-light: #143A50;
  --hg-cream: #FEF5E4;
  --hg-white: #FFFFFF;
  --hg-gold: #F3A604;
  --hg-orange: #EB6906;
  --hg-rust: #B42121;
  --hg-ink: #102B3D;
  --hg-muted: #55636A;
  --hg-border: #DED8CB;
  --hg-radius: 12px;
  --hg-shadow: 0 8px 26px rgba(5,41,62,.10);
  --hg-font-body: "Source Sans 3", Arial, Helvetica, sans-serif;
  --hg-font-display: "Bitter", Georgia, "Times New Roman", serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--hg-cream); color: var(--hg-navy); font-family: var(--hg-font-body); font-size: 1.0625rem; line-height: 1.6; }
img { max-width: 100%; height: auto; }
a { color: inherit; }
p { margin: 0 0 1em; }
.container { width: min(100% - 36px, 1200px); margin-inline: auto; }
.narrow { width: min(100% - 36px, 820px); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--hg-navy); color: var(--hg-cream); padding: 10px 16px; z-index: 100; }
.skip-link:focus { left: 12px; top: 12px; }

/* Header */
.site-header { background: var(--hg-cream); border-bottom: 1px solid var(--hg-border); position: relative; z-index: 20; }
.site-header .container { min-height: 104px; display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-block: 10px; }
.brand-link { display: inline-flex; min-width: 0; max-width: 100%; align-items: center; }
.site-logo { display: block; width: min(100%, 340px); height: auto; object-fit: contain; overflow: visible; }
.site-nav { display: flex; align-items: center; gap: clamp(14px,2vw,28px); font-weight: 700; }
.site-nav a { text-decoration: none; white-space: nowrap; }
.site-nav a:not(.button):hover { color: var(--hg-rust); }
.nav-toggle { display: none; background: none; border: 2px solid var(--hg-navy); border-radius: 7px; padding: 8px 12px; font: inherit; font-weight: 800; color: var(--hg-navy); cursor: pointer; }
.header-phone { font-weight: 800; text-decoration: none; }

/* Buttons */
.button { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 7px; border: 2px solid var(--hg-navy); text-decoration: none; font-size: 1rem; font-weight: 800; line-height: 1.2; cursor: pointer; font-family: inherit; }
.button-primary { color: var(--hg-cream); background: var(--hg-navy); }
.button-primary:hover { background: var(--hg-navy-light); }
.button-secondary { background: transparent; color: var(--hg-navy); }
.button-secondary:hover { background: var(--hg-white); }
.button-gold { background: var(--hg-gold); border-color: var(--hg-gold); color: var(--hg-navy); }
.button-gold:hover { background: #ffb928; }
.button-light { background: transparent; border-color: var(--hg-cream); color: var(--hg-cream); }
.button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, button:focus-visible { outline: 3px solid var(--hg-orange); outline-offset: 3px; }

/* Type */
h1,h2,h3 { line-height: 1.15; margin: 0 0 .5em; font-family: var(--hg-font-display); }
h1 { font-size: clamp(2.3rem,4.4vw,4rem); letter-spacing: -.035em; }
h2 { font-size: clamp(1.7rem,2.8vw,2.5rem); letter-spacing: -.02em; }
h3 { font-size: 1.25rem; }
.eyebrow { text-transform: uppercase; font-size: .83rem; font-weight: 800; letter-spacing: .09em; color: var(--hg-rust); margin: 0 0 .4em; }
.lead { max-width: 60ch; font-size: 1.22rem; color: var(--hg-ink); }
.muted { color: var(--hg-muted); }
.accent-stripes { display: flex; width: 150px; gap: 5px; margin-block: 20px 24px; }
.accent-stripes span { height: 7px; flex: 1; background: var(--hg-rust); }
.accent-stripes span:nth-child(2) { background: var(--hg-orange); }
.accent-stripes span:nth-child(3) { background: var(--hg-gold); }

/* Hero */
.hero { padding: clamp(52px,7vw,96px) 0; }
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 56px; align-items: center; }
.cta-row { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 28px; }
.hero-card { border-radius: 18px; background: var(--hg-white); padding: 34px; box-shadow: var(--hg-shadow); }
.hero-card img { display: block; width: 62%; margin: 0 auto 18px; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { padding: 8px 0 8px 32px; position: relative; border-bottom: 1px solid var(--hg-border); }
.check-list li:last-child { border-bottom: 0; }
.check-list li::before { content: ""; position: absolute; left: 4px; top: 15px; width: 14px; height: 8px; border-left: 3px solid var(--hg-orange); border-bottom: 3px solid var(--hg-orange); transform: rotate(-45deg); }
.page-hero { padding: clamp(40px,6vw,72px) 0 clamp(28px,4vw,44px); }
.breadcrumbs { font-size: .9rem; color: var(--hg-muted); margin-bottom: 18px; }
.breadcrumbs a { text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }
.answer-box { background: var(--hg-white); border-left: 6px solid var(--hg-gold); border-radius: 0 var(--hg-radius) var(--hg-radius) 0; padding: 20px 24px; margin: 26px 0 0; max-width: 72ch; box-shadow: var(--hg-shadow); }
.answer-box p:last-child { margin-bottom: 0; }
.answer-box strong.label { display: block; text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; color: var(--hg-rust); margin-bottom: 4px; }

/* Sections */
.section { padding: clamp(48px,6vw,84px) 0; }
.section-white { background: var(--hg-white); }
.section-navy { background: var(--hg-navy); color: var(--hg-cream); }
.section-navy .eyebrow { color: var(--hg-gold); }
.section-head { max-width: 760px; margin-bottom: 30px; }
.card-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.card { display: block; background: var(--hg-white); border: 1px solid var(--hg-border); border-radius: var(--hg-radius); padding: 24px; text-decoration: none; transition: transform .15s, box-shadow .15s; }
a.card:hover { transform: translateY(-2px); box-shadow: var(--hg-shadow); }
.card h3 { margin-bottom: .35em; }
.card p { margin: 0; color: var(--hg-muted); }
.card .more { display: inline-block; margin-top: 12px; font-weight: 800; color: var(--hg-rust); }
.section-navy .card { background: transparent; border-color: rgba(254,245,228,.28); }
.section-navy .card p { color: rgba(254,245,228,.85); }
.section-navy .card .more { color: var(--hg-gold); }
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; counter-reset: step; }
.step { background: var(--hg-cream); border-radius: var(--hg-radius); padding: 26px; position: relative; }
.step::before { counter-increment: step; content: counter(step); display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--hg-navy); color: var(--hg-gold); font-weight: 800; font-family: var(--hg-font-display); margin-bottom: 12px; }

/* Article content */
.content-grid { display: grid; grid-template-columns: minmax(0,1fr) 320px; gap: 56px; align-items: start; }
.prose { max-width: 72ch; }
.prose h2 { margin-top: 1.6em; font-size: clamp(1.5rem,2.2vw,2rem); }
.prose h3 { margin-top: 1.3em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1em; }
.prose li { margin-bottom: .4em; }
.prose a { color: var(--hg-rust); font-weight: 600; }
.prose table { width: 100%; border-collapse: collapse; margin: 0 0 1.2em; background: var(--hg-white); border-radius: var(--hg-radius); overflow: hidden; font-size: .98rem; }
.prose th, .prose td { text-align: left; padding: 11px 14px; border-bottom: 1px solid var(--hg-border); vertical-align: top; }
.prose th { background: var(--hg-navy); color: var(--hg-cream); font-weight: 700; }
.table-wrap { overflow-x: auto; }
.sidebar { position: sticky; top: 20px; display: grid; gap: 20px; }
.side-card { background: var(--hg-white); border: 1px solid var(--hg-border); border-radius: var(--hg-radius); padding: 24px; }
.side-card.navy { background: var(--hg-navy); color: var(--hg-cream); border: 0; }
.side-card h3 { font-size: 1.2rem; }
.side-card ul { list-style: none; padding: 0; margin: 0; }
.side-card li a { display: block; padding: 7px 0; text-decoration: none; border-bottom: 1px solid var(--hg-border); }
.side-card li:last-child a { border-bottom: 0; }
.side-card li a:hover { color: var(--hg-rust); }
.updated { font-size: .9rem; color: var(--hg-muted); margin-top: 14px; }

/* FAQ */
.faq { max-width: 860px; }
.faq details { background: var(--hg-white); border: 1px solid var(--hg-border); border-radius: 10px; margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 18px 52px 18px 22px; font-weight: 800; font-size: 1.08rem; list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--hg-orange); }
.faq details[open] summary::after { content: "\2013"; }
.faq .answer { padding: 0 22px 18px; color: var(--hg-ink); }
.faq .answer p:last-child { margin-bottom: 0; }

/* CTA band */
.cta-band { background: var(--hg-navy); color: var(--hg-cream); padding: clamp(44px,6vw,72px) 0; }
.cta-band .container { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; }
.cta-band h2 { margin: 0 0 .2em; }
.cta-band p { margin: 0; opacity: .9; }

/* Forms */
.quote-wrap { background: var(--hg-white); border-radius: 18px; box-shadow: var(--hg-shadow); padding: clamp(22px,4vw,40px); }
.form-progress { display: flex; gap: 6px; margin-bottom: 24px; }
.form-progress span { flex: 1; height: 6px; border-radius: 3px; background: var(--hg-border); }
.form-progress span.active { background: var(--hg-orange); }
.form-step { display: none; border: 0; padding: 0; margin: 0; }
.form-step.active { display: block; }
.form-step legend { font-family: var(--hg-font-display); font-size: 1.5rem; font-weight: 700; margin-bottom: 18px; }
.field { margin-bottom: 18px; }
.field label, .field .label { display: block; font-weight: 700; margin-bottom: 6px; }
.field .hint { font-size: .9rem; color: var(--hg-muted); margin: 4px 0 0; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=number], .field select, .field textarea { width: 100%; padding: 12px 14px; border: 2px solid var(--hg-border); border-radius: 8px; font: inherit; color: var(--hg-ink); background: var(--hg-white); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--hg-navy); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.choice-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 10px; }
.choice { display: flex; align-items: center; gap: 10px; padding: 12px 14px; border: 2px solid var(--hg-border); border-radius: 8px; cursor: pointer; font-weight: 600; }
.choice:has(input:checked) { border-color: var(--hg-navy); background: var(--hg-cream); }
.choice input { accent-color: var(--hg-navy); width: 18px; height: 18px; }
.consent { font-size: .88rem; color: var(--hg-muted); display: flex; gap: 10px; align-items: flex-start; }
.consent input { margin-top: 4px; width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--hg-navy); }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; }
.form-error { color: var(--hg-rust); font-weight: 700; display: none; margin-top: 8px; }
.form-error.show { display: block; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* Footer */
.site-footer { background: #041f2f; color: rgba(254,245,228,.82); padding: 56px 0 28px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 36px; }
.footer-logo { width: 240px; margin-bottom: 14px; }
.site-footer h3 { color: var(--hg-cream); font-family: var(--hg-font-body); font-size: .85rem; text-transform: uppercase; letter-spacing: .09em; margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 7px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--hg-gold); }
.footer-legal { border-top: 1px solid rgba(254,245,228,.18); margin-top: 40px; padding-top: 22px; font-size: .84rem; color: rgba(254,245,228,.66); }
.footer-legal p { margin-bottom: .6em; }

/* Mobile call bar */
.mobile-cta { display: none; }

@media (max-width: 1120px) and (min-width: 861px) {
  .header-phone { display: none; }
  .site-nav { gap: 16px; font-size: .95rem; }
  .site-logo { width: min(100%, 270px); }
}
@media (max-width: 980px) {
  .content-grid { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .site-header .container { min-height: 84px; flex-wrap: wrap; }
  .brand-link { flex: 1 1 0; max-width: 250px; }
  .site-logo { width: 100%; }
  .nav-toggle { display: inline-block; flex-shrink: 0; }
  .site-nav { display: none; width: 100%; flex-direction: column; align-items: stretch; gap: 0; padding-bottom: 14px; }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px 0; border-bottom: 1px solid var(--hg-border); }
  .site-nav a.button { margin-top: 12px; border-bottom: 2px solid var(--hg-navy); }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .card-grid, .steps { grid-template-columns: 1fr; }
  .field-row, .choice-grid { grid-template-columns: 1fr; }
  .mobile-cta { display: grid; grid-template-columns: 1fr 1fr; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; box-shadow: 0 -4px 16px rgba(5,41,62,.18); }
  .mobile-cta a { padding: 15px 10px; text-align: center; font-weight: 800; text-decoration: none; }
  .mobile-cta .call { background: var(--hg-navy); color: var(--hg-cream); }
  .mobile-cta .quote { background: var(--hg-gold); color: var(--hg-navy); }
  body { padding-bottom: 54px; }
}
@media (max-width: 520px) {
  .footer-grid { grid-template-columns: 1fr; }
  .container, .narrow { width: min(100% - 32px, 1200px); }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .card { transition: none; } }