/* ==========================================================================
   Insurance Why — landing page + quote funnel
   (fictitious brand; structure modeled on a standard auto-insurance LP funnel)

   Two palettes, both lifted from the LP directory:
     [data-theme="navy"]   -> index.html        (navy + orange)   — default
     [data-theme="forest"] -> variation-5.html  (deep green + gold)
   Switch with the footer toggle, or ?theme=forest in the URL.
   ========================================================================== */

:root,
[data-theme="navy"] {
  --deep: #0b2545;        /* navy */
  --deep-2: #13315c;
  --brand: #ff8a00;       /* accent */
  --brand-dark: #e57a00;  /* accent-dk */
  --mark: #ff8a00;        /* wordmark highlight */
  --ink: #1a2331;
  --ink-soft: #3b4759;
  --muted: #5b6b82;
  --line: #e3e8ef;
  --bg: #f5f7fb;
  --ok: #1a9e5c;
  --red: #d64545;
  --shadow-btn: 0 4px 12px rgba(255, 138, 0, 0.32);
  --shadow-card: 0 2px 8px rgba(11, 37, 69, 0.07);
  --radius: 8px;
  --maxw: 1140px;
}

[data-theme="forest"] {
  --deep: #06281f;        /* navy */
  --deep-2: #0b3b2e;
  --brand: #16a34a;       /* accent */
  --brand-dark: #128a3f;  /* accent-dk */
  --mark: #f5a524;        /* gold */
  --ink: #14211b;
  --ink-soft: #33443c;
  --muted: #5c6b64;
  --line: #dfe7e3;
  --bg: #f4f8f6;
  --ok: #16a34a;
  --red: #d64545;
  --shadow-btn: 0 4px 12px rgba(22, 163, 74, 0.30);
  --shadow-card: 0 2px 8px rgba(6, 40, 31, 0.07);
  --radius: 8px;
  --maxw: 1140px;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  font-family: "Poppins", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }

.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 20px;
}

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

.site-header {
  padding: 26px 0 10px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
}

.logo-mark {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: var(--deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 34px;
}

.logo-mark svg { width: 20px; height: 20px; }

.logo-a { color: var(--ink); }
.logo-b { color: var(--mark); }

.site-header--center { text-align: center; }

/* ---------- landing hero ---------- */

.hero {
  text-align: center;
  padding: 42px 0 10px;
}

.hero h1 {
  font-size: 52px;
  line-height: 1.12;
  font-weight: 400;
  margin: 0 0 6px;
  letter-spacing: -0.02em;
}

.hero h1 strong { font-weight: 800; }

.hero-sub {
  color: var(--brand);
  font-style: italic;
  font-weight: 600;
  font-size: 20px;
  margin: 0 0 26px;
}

/* ---------- zip form ---------- */

.zip-form {
  display: flex;
  justify-content: center;
  align-items: stretch;
  gap: 12px;
  flex-wrap: wrap;
}

.zip-field {
  position: relative;
  width: 220px;
}

.zip-field input {
  width: 100%;
  height: 82px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  font-family: inherit;
  font-size: 19px;
  color: var(--ink);
  padding: 0 44px 0 24px;
  outline: none;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
}

.zip-field input::placeholder { color: var(--muted); }
.zip-field input:focus { border-color: var(--brand); }
.zip-field.has-error input { border-color: var(--red); }

.zip-field .pin {
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  fill: var(--brand);
  opacity: 0.5;
  pointer-events: none;
}

.zip-error {
  display: none;
  color: var(--red);
  font-size: 13px;
  text-align: left;
  padding: 6px 2px 0;
}

.zip-field.has-error + .zip-error,
.zip-error.is-visible { display: block; }

.btn-primary {
  height: 82px;
  min-width: 330px;
  border: 0;
  border-radius: var(--radius);
  background: var(--brand);
  color: #fff;
  font-family: inherit;
  font-size: 22px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  cursor: pointer;
  box-shadow: var(--shadow-btn);
  transition: background 0.15s ease, transform 0.05s ease;
}

.btn-primary:hover { background: var(--brand-dark); }
.btn-primary:active { transform: translateY(1px); }

/* ---------- why section ---------- */

.why {
  text-align: center;
  padding: 60px 0 20px;
}

.why-eyebrow {
  color: var(--brand);
  font-style: italic;
  font-weight: 600;
  font-size: 17px;
  margin: 0 0 10px;
}

.why h2 {
  font-size: 40px;
  line-height: 1.22;
  font-weight: 800;
  letter-spacing: -0.02em;
  max-width: 640px;
  margin: 0 auto 18px;
}

.why p {
  max-width: 640px;
  margin: 0 auto;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-soft);
}

/* ---------- carrier strip ---------- */

.carriers {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 60px;
  flex-wrap: wrap;
  padding: 90px 0 40px;
  opacity: 0.45;
}

.carrier {
  display: flex;
  flex-direction: column;
  justify-content: center;
  height: 40px;
  font-weight: 700;
  font-size: 17px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  white-space: nowrap;
}

.carrier small {
  display: block;
  font-size: 10px;
  letter-spacing: 0.3em;
  font-weight: 500;
  text-align: center;
}

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

.site-footer {
  padding: 24px 0 44px;
  text-align: center;
}

.site-footer nav {
  display: flex;
  justify-content: center;
  gap: 34px;
  flex-wrap: wrap;
  font-size: 14px;
}

.site-footer a {
  text-decoration: none;
  color: var(--ink);
}

.site-footer a:hover { color: var(--brand); }

.site-footer .disclaimer {
  max-width: 780px;
  margin: 22px auto 0;
  font-size: 11px;
  line-height: 1.6;
  color: var(--muted);
}

/* ==========================================================================
   Funnel
   ========================================================================== */

.funnel-page {
  background: var(--bg);
  min-height: 100vh;
}

.funnel-bar {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 16px 0;
  text-align: center;
}

.funnel-progress {
  max-width: 560px;
  margin: 22px auto 0;
  padding: 0 20px;
}

.funnel-progress-track {
  height: 8px;
  border-radius: 99px;
  background: var(--line);
  overflow: hidden;
}

.funnel-progress-fill {
  height: 100%;
  width: 3%;
  border-radius: 99px;
  background: var(--brand);
  transition: width 0.35s ease;
}

.funnel-progress-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  text-align: right;
  padding-top: 6px;
}

.funnel-main {
  max-width: 720px;
  margin: 0 auto;
  padding: 26px 20px 60px;
}

.funnel-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: 0;
  font-family: inherit;
  font-size: 14px;
  color: var(--muted);
  cursor: pointer;
  padding: 4px 0;
  visibility: hidden;
}

.funnel-back.is-visible { visibility: visible; }
.funnel-back:hover { color: var(--brand); }

.funnel-title {
  font-size: 30px;
  line-height: 1.28;
  font-weight: 700;
  text-align: center;
  letter-spacing: -0.02em;
  margin: 10px 0 6px;
}

.funnel-subtitle {
  text-align: center;
  color: var(--muted);
  font-size: 15px;
  margin: 0 0 24px;
}

.funnel-subtitle.is-highlight {
  color: var(--brand-dark);
  font-weight: 600;
}

.funnel-step { animation: fade 0.22s ease; }

@keyframes fade {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: none; }
}

/* answer grids */

.answers { display: grid; gap: 14px; }
.answers.two-columns { grid-template-columns: repeat(2, 1fr); }
.answers.three-columns { grid-template-columns: repeat(3, 1fr); }
.answers.six-columns { grid-template-columns: repeat(6, 1fr); gap: 10px; }
.answers.funnel-long-list { grid-template-columns: repeat(3, 1fr); gap: 10px; }

.answer {
  appearance: none;
  border: 2px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 16px;
  font-weight: 600;
  color: var(--ink);
  padding: 18px 12px;
  cursor: pointer;
  text-align: center;
  line-height: 1.3;
  transition: border-color 0.12s ease, background 0.12s ease, color 0.12s ease;
}

.answer:hover,
.answer.is-selected {
  border-color: var(--brand);
  background: var(--brand);
  color: #fff;
}

.answers.six-columns .answer,
.answers.funnel-long-list .answer {
  font-size: 15px;
  padding: 14px 8px;
}

/* expand / dropdown */

.expand-row {
  text-align: center;
  padding-top: 18px;
}

.expand-btn {
  background: none;
  border: 0;
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  color: var(--brand);
  cursor: pointer;
  text-decoration: underline;
}

.dropdown-row {
  padding-top: 20px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 12px;
}

.dropdown-row select {
  height: 56px;
  border: 2px solid var(--line);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 16px;
  color: var(--ink);
  padding: 0 14px;
  background: #fff;
  outline: none;
}

.dropdown-row select:focus { border-color: var(--brand); }

.btn-next {
  height: 56px;
  min-width: 130px;
  border: 0;
  border-radius: var(--radius);
  background: var(--brand);
  color: #fff;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  text-transform: uppercase;
  cursor: pointer;
}

.btn-next:hover { background: var(--brand-dark); }

/* radio matrix step */

.radio-matrix { display: grid; gap: 12px; }

.radio-row {
  display: grid;
  grid-template-columns: 1fr 200px;
  align-items: center;
  gap: 16px;
  border-bottom: 1px solid var(--line);
  padding: 10px 2px;
}

.radio-row-title { font-size: 17px; font-weight: 600; }

.radio-options { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }

.radio-opt {
  border: 2px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
  padding: 12px 4px;
  cursor: pointer;
}

.radio-opt.is-selected {
  border-color: var(--brand);
  background: var(--brand);
  color: #fff;
}

/* field steps */

.fields { display: grid; gap: 16px; }
.fields.three-columns { grid-template-columns: repeat(3, 1fr); }

.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 6px;
}

.field input {
  width: 100%;
  height: 58px;
  border: 2px solid var(--line);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 17px;
  color: var(--ink);
  padding: 0 16px;
  outline: none;
  background: #fff;
}

.field input:focus { border-color: var(--brand); }
.field.has-error input { border-color: var(--red); }

.field-error {
  display: none;
  color: var(--red);
  font-size: 12.5px;
  padding-top: 5px;
}

.field.has-error .field-error { display: block; }

.field-suggestion {
  display: none;
  font-size: 13px;
  padding-top: 6px;
  color: var(--muted);
}

.field-suggestion.is-visible { display: block; }

.field-suggestion button {
  background: none;
  border: 0;
  padding: 0;
  font-family: inherit;
  font-size: 13px;
  font-weight: 700;
  color: var(--brand);
  cursor: pointer;
  text-decoration: underline;
}

.form-warning {
  display: none;
  color: var(--red);
  font-size: 14px;
  text-align: center;
  padding-top: 14px;
}

.form-warning.is-visible { display: block; }

.submit-row { padding-top: 22px; }

.btn-submit {
  width: 100%;
  height: 68px;
  border: 0;
  border-radius: var(--radius);
  background: var(--brand);
  color: #fff;
  font-family: inherit;
  font-size: 20px;
  font-weight: 700;
  text-transform: uppercase;
  cursor: pointer;
  box-shadow: var(--shadow-btn);
}

.btn-submit:hover { background: var(--brand-dark); }

.lock-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  font-size: 12.5px;
  color: var(--muted);
  padding-top: 14px;
}

.lock-note svg { width: 13px; height: 13px; fill: var(--muted); }

.consent {
  font-size: 10.5px;
  line-height: 1.55;
  color: var(--muted);
  padding-top: 18px;
  max-height: 132px;
  overflow-y: auto;
}

.consent a { color: var(--muted); }

.viewname {
  text-align: center;
  font-size: 14px;
  color: var(--brand);
  font-weight: 600;
  padding-bottom: 10px;
}

/* loader */

.loader {
  text-align: center;
  padding: 40px 0;
}

.loader-ring {
  width: 58px;
  height: 58px;
  margin: 0 auto 22px;
  border: 5px solid var(--line);
  border-top-color: var(--brand);
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

.loader p { font-size: 17px; font-weight: 600; margin: 0 0 6px; }
.loader small { color: var(--muted); }

/* results */

.results-head { text-align: center; padding-bottom: 8px; }
.results-head h1 { font-size: 28px; font-weight: 800; margin: 0 0 6px; }
.results-head p { color: var(--muted); margin: 0 0 24px; font-size: 15px; }

.quote-card {
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 14px;
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 18px;
  align-items: center;
  background: #fff;
  box-shadow: var(--shadow-card);
}

.quote-carrier { font-weight: 700; font-size: 18px; }
.quote-meta { font-size: 12.5px; color: var(--muted); padding-top: 3px; }

.quote-price { text-align: right; }
.quote-price b { font-size: 26px; font-weight: 800; color: var(--deep); }
.quote-price span { display: block; font-size: 11px; color: var(--muted); }

.btn-quote {
  border: 0;
  border-radius: var(--radius);
  background: var(--brand);
  color: #fff;
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  padding: 14px 22px;
  cursor: pointer;
  white-space: nowrap;
}

.btn-quote:hover { background: var(--brand-dark); }

.results-note {
  font-size: 11px;
  color: var(--muted);
  line-height: 1.6;
  padding-top: 18px;
  text-align: center;
}

/* legal pages */

.legal { max-width: 760px; margin: 0 auto; padding: 20px 20px 70px; }
.legal h1 { font-size: 32px; font-weight: 800; }
.legal h2 { font-size: 19px; font-weight: 700; margin-top: 30px; }
.legal p, .legal li { font-size: 15px; line-height: 1.7; color: var(--ink-soft); }

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

@media (max-width: 900px) {
  .hero h1 { font-size: 36px; }
  .why h2 { font-size: 30px; }
  .carriers { gap: 34px; padding-top: 56px; }
}

@media (max-width: 640px) {
  .hero { padding-top: 24px; }
  .hero h1 { font-size: 30px; }
  .hero-sub { font-size: 17px; }
  .zip-form { flex-direction: column; align-items: stretch; }
  .zip-field { width: 100%; }
  .zip-field input { height: 66px; }
  .btn-primary { height: 66px; min-width: 0; width: 100%; font-size: 18px; }
  .funnel-title { font-size: 23px; }
  .answers.three-columns { grid-template-columns: repeat(2, 1fr); }
  .answers.six-columns { grid-template-columns: repeat(4, 1fr); }
  .answers.funnel-long-list { grid-template-columns: repeat(2, 1fr); }
  .fields.three-columns { grid-template-columns: repeat(3, 1fr); }
  .radio-row { grid-template-columns: 1fr 160px; }
  .quote-card { grid-template-columns: 1fr; text-align: center; }
  .quote-price { text-align: center; }
  .dropdown-row { grid-template-columns: 1fr; }
}

/* ---------- theme toggle (review aid, not part of the funnel) ---------- */

.theme-toggle {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  padding: 5px;
  border: 1px solid var(--line);
  border-radius: 99px;
  background: #fff;
  font-size: 11px;
}

.theme-toggle button {
  border: 0;
  border-radius: 99px;
  background: none;
  font-family: inherit;
  font-size: 11px;
  font-weight: 600;
  color: var(--muted);
  padding: 5px 12px;
  cursor: pointer;
}

.theme-toggle button.is-active {
  background: var(--deep);
  color: #fff;
}