/* Bobcat Surety — site styles */
:root {
  --ink: #14171c;
  --ink-2: #2b3038;
  --muted: #5b616b;
  --paper: #f7f3ec;
  --paper-2: #efe7da;
  --card: #fffdf9;
  --tawny: #c47a2c;      /* fills, with ink text */
  --tawny-text: #92531a; /* text on paper, 5:1+ */
  --tawny-soft: #f3e2cc;
  --line: rgba(20, 23, 28, 0.12);
  --radius: 14px;
  --shadow: 0 1px 2px rgba(20,23,28,.06), 0 12px 32px -12px rgba(20,23,28,.18);
  --wrap: 1160px;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 400 17px/1.65 var(--sans);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--tawny-text); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--tawny); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.12; letter-spacing: -0.015em; margin: 0 0 .5em; font-optical-sizing: auto; }
h1 { font-size: clamp(2.3rem, 5.2vw, 4.1rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
h3 { font-size: 1.35rem; }
p { margin: 0 0 1.1em; }
em.accent, h1 em, h2 em { font-style: italic; color: var(--tawny-text); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -9999px; top: 0; background: var(--ink); color: #fff; padding: 10px 16px; z-index: 100; }
.skip:focus { left: 12px; top: 12px; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font: 600 .78rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--tawny-text); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--tawny); }
.lead { font-size: 1.2rem; color: var(--ink-2); max-width: 40em; }
.muted { color: var(--muted); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 14px 22px; border-radius: 999px; font: 600 1rem/1 var(--sans); text-decoration: none; border: 2px solid transparent; transition: transform .15s ease, background .15s ease, color .15s ease; cursor: pointer; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--ink); color: var(--paper); }
.btn-primary:hover { background: var(--ink-2); color: #fff; }
.btn-accent { background: var(--tawny); color: var(--ink); }
.btn-accent:hover { background: #d88a3a; color: var(--ink); }
.btn-ghost { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn-ghost:hover { background: var(--ink); color: var(--paper); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* Top bar + header */
.topbar { background: var(--ink); color: #d9d4cb; font-size: .86rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247,243,236,.92); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 74px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.brand svg { width: 40px; height: 40px; }
.brand-name { font: 700 1.28rem/1 var(--serif); letter-spacing: -.01em; }
.brand-name small { display: block; font: 600 .62rem/1.4 var(--sans); letter-spacing: .18em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .96rem; padding: 8px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--paper-2); }
.nav .btn { margin-left: 8px; padding: 11px 18px; }
.nav .btn:hover { background: var(--ink-2); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--ink); }
.nav-toggle svg { width: 26px; height: 26px; }

@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .nav { position: fixed; inset: 74px 0 auto 0; flex-direction: column; align-items: stretch; background: var(--paper); border-bottom: 1px solid var(--line); padding: 12px 20px 24px; gap: 2px; transform: translateY(-120%); visibility: hidden; transition: transform .25s ease, visibility .25s; box-shadow: var(--shadow); }
  .nav.open { transform: none; visibility: visible; }
  .nav a { padding: 14px 12px; font-size: 1.05rem; }
  .nav .btn { margin: 10px 0 0; padding: 16px; }
}

/* Hero */
.hero { position: relative; overflow: hidden; padding: 72px 0 88px; }
.hero::after { content: ""; position: absolute; right: -180px; top: -140px; width: 620px; height: 620px; border-radius: 50%; background: radial-gradient(closest-side, var(--tawny-soft), transparent); z-index: -1; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.hero h1 { max-width: 13em; }
.hero .lead { margin-top: 8px; }
.hero-note { margin-top: 22px; font-size: .92rem; color: var(--muted); display: flex; gap: 18px; flex-wrap: wrap; }
.hero-note span { display: inline-flex; align-items: center; gap: 6px; }
.hero-note svg { width: 16px; height: 16px; color: var(--tawny-text); }

/* The "power" document card in hero */
.power-card { position: relative; background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: 28px; box-shadow: var(--shadow); transform: rotate(1.5deg); }
.power-card::before { content: ""; position: absolute; inset: 10px; border: 1px dashed rgba(20,23,28,.18); border-radius: 12px; pointer-events: none; }
.power-card .pc-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 22px; }
.power-card .pc-label { font: 600 .7rem/1.3 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--muted); }
.power-card .pc-title { font: 600 1.35rem/1.2 var(--serif); margin-top: 6px; }
.power-card dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 10px 18px; font-size: .94rem; }
.power-card dt { color: var(--muted); }
.power-card dd { margin: 0; font-weight: 600; text-align: right; }
.power-card .pc-bar { height: 8px; border-radius: 99px; background: var(--paper-2); margin-top: 22px; overflow: hidden; }
.power-card .pc-bar i { display: block; height: 100%; width: 92%; background: linear-gradient(90deg, var(--tawny), #e0a35f); border-radius: 99px; }
.stamp { flex: none; width: 92px; height: 92px; border-radius: 50%; border: 3px solid var(--tawny-text); color: var(--tawny-text); display: grid; place-items: center; text-align: center; font: 800 .66rem/1.15 var(--sans); letter-spacing: .12em; text-transform: uppercase; transform: rotate(-12deg); }
.stamp b { display: block; font: 700 1.25rem/1 var(--serif); letter-spacing: 0; text-transform: none; }

/* Stats band */
.stats { background: var(--ink); color: var(--paper); }
.stats .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 34px 24px; border-left: 1px solid rgba(255,255,255,.1); }
.stat:first-child { border-left: 0; }
.stat b { display: block; font: 600 2.4rem/1 var(--serif); color: #e7a865; margin-bottom: 8px; }
.stat span { font-size: .95rem; color: #cfc9be; }

/* Sections */
.section { padding: 96px 0; }
.section-alt { background: var(--paper-2); }
.section-dark { background: var(--ink); color: var(--paper); }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark .lead, .section-dark p { color: #d4cec4; }
.section-dark .eyebrow { color: #e7a865; }
.section-head { max-width: 760px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card .icon { width: 50px; height: 50px; border-radius: 12px; background: var(--tawny-soft); color: var(--tawny-text); display: grid; place-items: center; margin-bottom: 20px; }
.card .icon svg { width: 26px; height: 26px; }
a.card { text-decoration: none; color: inherit; transition: transform .15s ease, box-shadow .15s ease; display: block; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); color: inherit; }
.card .more { display: inline-block; margin-top: 14px; font-weight: 600; color: var(--tawny-text); }

.feature { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 0 0 1.2em; }
.checklist li { position: relative; padding: 0 0 12px 34px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: var(--tawny-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%2392531a' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5.5 10.5l3 3 6-7'/%3E%3C/svg%3E") center/16px no-repeat; }
.section-dark .checklist li::before { background-color: rgba(231,168,101,.18); }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; list-style: none; padding: 0; margin: 0; }
.steps li { counter-increment: step; position: relative; padding: 30px 26px 26px; border-top: 2px solid var(--ink); }
.steps li::before { content: "0" counter(step); display: block; font: 600 2.4rem/1 var(--serif); color: var(--tawny-text); margin-bottom: 14px; }
.steps h3 { font-size: 1.2rem; }
.steps p { margin: 0; color: var(--ink-2); font-size: .98rem; }

/* Panel */
.panel { background: var(--card); border: 1px solid var(--line); border-radius: 22px; padding: 44px; box-shadow: var(--shadow); }
.panel-dark { background: var(--ink-2); color: var(--paper); border: 0; }

/* CTA band */
.cta-band { background: var(--tawny); color: var(--ink); padding: 72px 0; }
.cta-band .wrap { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { margin: 0 0 8px; max-width: 18em; }
.cta-band p { margin: 0; font-size: 1.1rem; max-width: 36em; }
.cta-band .btn-ghost { border-color: var(--ink); }

/* Page header */
.page-hero { padding: 64px 0 56px; border-bottom: 1px solid var(--line); background: linear-gradient(180deg, var(--paper-2), var(--paper)); }
.page-hero h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); max-width: 18em; }
.breadcrumbs { font-size: .88rem; color: var(--muted); margin-bottom: 22px; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; padding: 0; margin: 0; }
.breadcrumbs li + li::before { content: "/"; margin-right: 8px; color: #a7a198; }
.breadcrumbs a { color: var(--muted); }

/* Prose */
.prose { max-width: 740px; }
.prose h2 { font-size: 1.9rem; margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose blockquote { margin: 1.6em 0; padding: 18px 24px; border-left: 4px solid var(--tawny); background: var(--card); border-radius: 0 10px 10px 0; }
.layout-side { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 64px; align-items: start; }
.sidebar { position: sticky; top: 100px; }
.sidebar .panel { padding: 30px; }
.sidebar h3 { font-size: 1.3rem; }

/* FAQ */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 22px 44px 22px 0; position: relative; font: 600 1.15rem/1.35 var(--serif); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 14px; height: 14px; margin-top: -9px; border-right: 2px solid var(--ink); border-bottom: 2px solid var(--ink); transform: rotate(45deg); transition: transform .2s ease; }
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.faq .answer { padding: 0 0 22px; color: var(--ink-2); max-width: 46em; }
.faq .answer p:last-child { margin: 0; }

/* Forms */
.form { display: grid; gap: 18px; }
.form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form label { display: block; font-weight: 600; font-size: .93rem; margin-bottom: 6px; }
.form .req { color: var(--tawny-text); }
.form input, .form select, .form textarea { width: 100%; font: inherit; font-size: 1rem; color: var(--ink); background: #fff; border: 1.5px solid rgba(20,23,28,.2); border-radius: 10px; padding: 13px 14px; }
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--tawny); box-shadow: 0 0 0 4px rgba(196,122,44,.2); }
.form textarea { min-height: 130px; resize: vertical; }
.form .check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: .92rem; color: var(--ink-2); }
.form .check input { width: 20px; height: 20px; margin-top: 2px; flex: none; accent-color: var(--ink); }
.form .hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form fieldset { border: 0; padding: 0; margin: 0; }
.form legend { font: 600 1.15rem/1.3 var(--serif); margin-bottom: 14px; padding: 0; }
.form-note { font-size: .86rem; color: var(--muted); }
.alert { padding: 14px 18px; border-radius: 10px; background: #fbe4dc; color: #7a2410; border: 1px solid #efb9a6; margin-bottom: 18px; display: none; }
.alert.show { display: block; }

/* Contact blocks */
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 22px; }
.contact-list li { display: flex; gap: 16px; }
.contact-list .icon { flex: none; width: 46px; height: 46px; border-radius: 12px; background: var(--tawny-soft); color: var(--tawny-text); display: grid; place-items: center; }
.contact-list .icon svg { width: 22px; height: 22px; }
.contact-list b { display: block; }
.contact-list a { font-weight: 600; }
.map-frame { border: 0; width: 100%; height: 320px; border-radius: var(--radius); margin-top: 28px; filter: grayscale(.3); }

/* Article list */
.post-card .meta { font-size: .85rem; color: var(--muted); margin-bottom: 10px; }
.post-card h3 { font-size: 1.4rem; }
.article-meta { color: var(--muted); font-size: .95rem; margin-top: 8px; }

/* City links */
.city-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.city-links a { display: flex; justify-content: space-between; align-items: center; padding: 18px 20px; border-radius: 12px; background: var(--card); border: 1px solid var(--line); text-decoration: none; color: var(--ink); font-weight: 600; transition: border-color .15s, transform .15s; }
.city-links a span { font-weight: 400; color: var(--muted); font-size: .88rem; }
.city-links a:hover { border-color: var(--tawny); transform: translateY(-2px); }

/* Footer */
.site-footer { background: var(--ink); color: #bdb7ad; padding: 72px 0 32px; font-size: .95rem; }
.site-footer a { color: #e9e4db; text-decoration: none; }
.site-footer a:hover { color: #e7a865; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.site-footer h2 { font: 600 .78rem/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: #e7a865; margin-bottom: 18px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer .brand-name small { color: #8f8a81; }
.footer-bottom { margin-top: 56px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; color: #8f8a81; }

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

@media (max-width: 980px) {
  .hero-grid, .feature, .layout-side { grid-template-columns: 1fr; gap: 44px; }
  .sidebar { position: static; }
  .grid-3, .grid-4, .steps { grid-template-columns: repeat(2, 1fr); }
  .stats .wrap { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3) { border-left: 0; }
  .stat:nth-child(n+3) { border-top: 1px solid rgba(255,255,255,.1); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .city-links { grid-template-columns: repeat(2, 1fr); }
  .power-card { max-width: 460px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; padding-bottom: 64px; }
  .wrap { padding: 0 16px; }
  .topbar .hide-sm { display: none; }
  .hero { padding: 48px 0 64px; }
  .section { padding: 68px 0; }
  .grid-2, .grid-3, .grid-4, .steps, .form .row, .city-links, .footer-grid { grid-template-columns: 1fr; }
  .stat { padding: 24px 16px; }
  .stat b { font-size: 2rem; }
  .panel { padding: 26px; }
  .card { padding: 24px; }
  .btn-row .btn { flex: 1 1 100%; }
  .power-card { transform: none; padding: 22px; }
  .stamp { width: 78px; height: 78px; }
  .call-bar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--ink); padding: 10px 12px; gap: 10px; box-shadow: 0 -6px 20px rgba(0,0,0,.2); }
  .call-bar .btn { flex: 1; padding: 13px 10px; font-size: .95rem; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; }
}

/* fixes */
.btn svg { width: 18px; height: 18px; flex: none; }
.nav a.btn, .nav a.btn:hover { color: var(--paper); background: var(--ink); }
.nav a.btn:hover { background: var(--ink-2); }
.layout-side .steps { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 640px) { .layout-side .steps { grid-template-columns: 1fr; } }