:root {
  --ground: #100E0B;
  --surface: #1B1815;
  --rule: #2C2721;
  --text: #F3EDE2;
  --muted: #9C9385;
  --accent: #FFB020;
  --display: "Barlow Condensed", "Arial Narrow", Impact, sans-serif;
  --body: "Barlow", "Helvetica Neue", Arial, sans-serif;
  --mono: "IBM Plex Mono", "SFMono-Regular", Menlo, monospace;
}

* { box-sizing: border-box }
html { background: var(--ground); scroll-behavior: smooth }
body {
  margin: 0;
  background: var(--ground);
  color: var(--text);
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
}

a { color: var(--accent); text-decoration: none }
a:hover { filter: brightness(1.08) }

.site-header {
  width: 100%;
  max-width: 960px;
  margin: 0 auto;
  padding: 20px 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  text-decoration: none;
}
.brand-mark {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  object-fit: contain;
  display: block;
}
.brand-name {
  font-family: var(--display);
  font-weight: 800;
  font-size: 22px;
  letter-spacing: .02em;
  text-transform: uppercase;
}
.nav-link {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
  border-bottom: 1px solid var(--rule);
}
.nav-link:hover { color: var(--text) }

main { flex: 1; width: 100% }

.wrap {
  width: 100%;
  max-width: 960px;
  margin: 0 auto;
  padding: 28px 20px 48px;
}

.hero {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: center;
  padding: 24px 0 40px;
}
@media (min-width: 800px) {
  .hero {
    grid-template-columns: 1.1fr 0.9fr;
    gap: 40px;
    padding: 40px 0 56px;
  }
}

.cat {
  width: min(320px, 75vw);
  height: auto;
  display: block;
  margin: 0 auto;
  object-fit: contain;
}
.cat-hero { width: min(260px, 62vw); filter: drop-shadow(0 18px 30px rgba(0,0,0,.35)); }
.hero-art { order: -1; }
@media (min-width: 800px) {
  .cat { margin: 0 0 0 auto }
  .hero-art { order: 0; }
  .cat-hero { width: min(440px, 100%); }
}

@keyframes blink {
  0%, 92%, 100% { transform: scaleY(1) }
  95% { transform: scaleY(.08) }
}
.eye { transform-origin: center; transform-box: fill-box }
@media (prefers-reduced-motion: no-preference) {
  .eye { animation: blink 6.5s ease-in-out infinite }
  .eye.r { animation-delay: .12s }
}

.eyebrow {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 12px;
}
.wordmark {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(48px, 10vw, 72px);
  line-height: .9;
  letter-spacing: .01em;
  text-transform: uppercase;
  margin: 0 0 10px;
}
.tag {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 5vw, 38px);
  line-height: 1.05;
  margin: 0;
}
.tag em { font-style: normal; color: var(--accent) }
.sub {
  font-family: var(--mono);
  font-size: 12.5px;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 10px 0 0;
}
.lede {
  margin: 18px 0 0;
  max-width: 48ch;
  text-wrap: pretty;
}
.lede b { font-weight: 500; color: var(--accent) }
.where { margin: 10px 0 0; color: var(--muted); font-size: 15px }

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 22px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent);
  color: var(--ground);
  border: 0;
  font-family: var(--display);
  font-weight: 800;
  font-size: 18px;
  letter-spacing: .03em;
  text-transform: uppercase;
  padding: 12px 22px;
  border-radius: 8px;
  cursor: pointer;
  text-decoration: none;
}
.btn:hover { filter: brightness(1.06); color: var(--ground) }
.btn:focus-visible { outline: 3px solid var(--text); outline-offset: 2px }
.btn-ghost {
  background: transparent;
  color: var(--text);
  border: 1px solid var(--rule);
}
.btn-ghost:hover { border-color: var(--muted); color: var(--text); filter: none }

.section {
  padding: 36px 0;
  border-top: 1px solid var(--rule);
}
.section h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(28px, 5vw, 36px);
  text-transform: uppercase;
  letter-spacing: .02em;
  margin: 0 0 8px;
}
.section-intro {
  color: var(--muted);
  max-width: 52ch;
  margin: 0 0 28px;
}

.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 720px) {
  .steps { grid-template-columns: repeat(3, 1fr); gap: 18px }
}
.step {
  background: var(--surface);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 20px 18px;
}
.step-num {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 10px;
}
.step h3 {
  font-family: var(--display);
  font-weight: 800;
  font-size: 24px;
  text-transform: uppercase;
  margin: 0 0 8px;
  line-height: 1.1;
}
.step p { margin: 0; color: var(--muted); font-size: 15.5px }
/* Homepage "How it works": 3 steps as an ordered list, then a link to /how-it-works.html */
ol.steps { list-style: none; padding: 0; margin: 0 }
.steps-more { margin: 18px 0 0; font-family: var(--mono); font-size: 13px; letter-spacing: .06em; text-transform: uppercase }
.steps-more a { border-bottom: 1px solid rgba(255, 176, 32, .45); padding-bottom: 2px }

.panel {
  background: var(--surface);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 24px 20px;
}
@media (min-width: 720px) { .panel { padding: 28px 28px } }

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
@media (min-width: 640px) {
  .form-grid { grid-template-columns: 1fr 1fr }
  .form-grid .full { grid-column: 1 / -1 }
}

label, .label {
  display: block;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 6px;
}
.req { color: var(--accent) }

input[type=text],
input[type=email],
input[type=tel],
input[type=file],
select,
textarea {
  width: 100%;
  background: var(--ground);
  border: 1px solid var(--rule);
  color: var(--text);
  font: inherit;
  font-size: 16px;
  padding: 12px 14px;
  border-radius: 8px;
  outline: none;
}
textarea { min-height: 110px; resize: vertical }
input::placeholder, textarea::placeholder { color: #6F685E }
select {
  appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%),
    linear-gradient(135deg, var(--muted) 50%, transparent 50%);
  background-position: calc(100% - 18px) calc(50% - 3px), calc(100% - 12px) calc(50% - 3px);
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right: 36px;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(255, 176, 32, .22);
}
input[type=file] {
  padding: 10px 12px;
  font-family: var(--mono);
  font-size: 13px;
  color: var(--muted);
}
.file-hint {
  margin: 6px 0 0;
  font-size: 13px;
  color: var(--muted);
}

.fine {
  font-size: 13.5px;
  color: var(--muted);
  margin: 14px 0 0;
}
.fine a { color: var(--muted); border-bottom: 1px solid var(--rule) }
.fine a:hover { color: var(--text) }

.hp {
  position: absolute;
  left: -9999px;
  opacity: 0;
  height: 0;
  overflow: hidden;
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  margin-top: 6px;
}

.center-card {
  max-width: 540px;
  margin: 48px auto;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
}
.center-card .cat { width: min(200px, 55vw) }
/* Thanks page: short, skimmable "what happens next" */
.thanks .tag { margin-bottom: 10px }
.thanks .tag em { display: block }
.thanks-lede { margin: 0 auto 22px; max-width: 34ch }
.thanks-h { font-family: var(--mono); font-weight: 500; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--accent); margin: 0 0 10px }
.thanks-steps { list-style: none; counter-reset: ts; padding: 0; margin: 0 auto 18px; max-width: 420px; text-align: left; display: grid; gap: 10px }
.thanks-steps li { counter-increment: ts; position: relative; padding: 12px 14px 12px 50px; background: var(--surface); border: 1px solid var(--rule); border-radius: 10px; font-size: 16px; line-height: 1.45; color: var(--muted) }
.thanks-steps li strong { color: var(--text); font-weight: 500 }
.thanks-steps li::before { content: counter(ts); position: absolute; left: 14px; top: 11px; width: 24px; height: 24px; border-radius: 50%; background: var(--accent); color: var(--ground); font-family: var(--mono); font-size: 13px; line-height: 24px; text-align: center }
.thanks-contact { list-style: none; padding: 0; margin: 16px 0 0; color: var(--muted); font-size: 15px }
.thanks-contact li { margin: 2px 0 }

footer.site-footer {
  width: 100%;
  max-width: 960px;
  margin: 0 auto;
  padding: 16px 20px 28px;
  border-top: 1px solid var(--rule);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px 16px;
  font-family: var(--mono);
  font-size: 12px;
  color: var(--muted);
  letter-spacing: .02em;
}
footer.site-footer a {
  color: var(--muted);
  text-decoration: none;
  border-bottom: 1px solid var(--rule);
}
footer.site-footer a:hover { color: var(--text) }

.stub-note {
  background: var(--surface);
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 14px 16px;
  color: var(--muted);
  font-size: 14.5px;
  margin: 0 0 18px;
  max-width: 46ch;
}

.check-row {
  margin-top: 4px;
}
.check-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-family: var(--body);
  font-size: 15px;
  letter-spacing: 0;
  text-transform: none;
  color: var(--text);
  cursor: pointer;
  line-height: 1.4;
}
.check-label input[type=checkbox] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--accent);
  cursor: pointer;
}
.form-error {
  color: #FF8A6A;
  font-size: 14.5px;
  margin: 0 0 8px;
  grid-column: 1 / -1;
}

/* Quote preference radio group */
.choice-group {
  border: 0;
  margin: 0;
  padding: 0;
  min-width: 0;
}
.choice-group legend {
  padding: 0;
  float: left;
  width: 100%;
}
.choice-row {
  clear: both;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.choice {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0;
  flex: 1 1 140px;
  background: var(--ground);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: 12px 14px;
  font-family: var(--body);
  font-size: 16px;
  letter-spacing: 0;
  text-transform: none;
  color: var(--text);
  cursor: pointer;
  line-height: 1.2;
}
.choice input[type=radio] {
  width: 18px;
  height: 18px;
  margin: 0;
  flex-shrink: 0;
  accent-color: var(--accent);
  cursor: pointer;
}
.choice:hover { border-color: var(--muted) }
.choice:has(input:checked) {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(255, 176, 32, .22);
}
.choice:has(input:focus-visible) { outline: 2px solid var(--text); outline-offset: 2px }

/* SMS consent */
.check-label-sms { font-size: 14px; color: var(--muted) }
.check-label-sms a { color: var(--text); border-bottom: 1px solid var(--rule) }
.check-label-sms a:hover { color: var(--accent) }
.optional { color: var(--muted) }

/* Privacy / legal page */
.prose { max-width: 68ch }
.prose h1 {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(36px, 7vw, 52px);
  text-transform: uppercase;
  letter-spacing: .02em;
  line-height: 1;
  margin: 8px 0 10px;
}
.prose h2 {
  font-family: var(--display);
  font-weight: 800;
  font-size: 24px;
  text-transform: uppercase;
  letter-spacing: .02em;
  margin: 32px 0 8px;
  line-height: 1.1;
}
.prose p, .prose li { color: var(--text); font-size: 16px }
.prose p { margin: 0 0 12px }
.prose ul { margin: 0 0 12px; padding-left: 20px }
.prose li { margin: 0 0 6px }
.prose .muted { color: var(--muted) }
.prose a { border-bottom: 1px solid var(--rule) }

/* Header nav: About / FAQ / Learn / Get a rate (wraps under the logo on phones) */
.site-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  flex-wrap: wrap;
  gap: 4px 18px;
}
.site-nav .nav-link { padding: 8px 0 4px; white-space: nowrap }
.site-nav .nav-link[aria-current="page"] { color: var(--text); border-bottom-color: var(--accent) }
.site-nav .nav-cta { color: var(--accent); border-bottom-color: rgba(255, 176, 32, .45) }
.site-nav .nav-cta:hover { color: var(--accent) }
@media (max-width: 560px) {
  .site-header { flex-wrap: wrap; row-gap: 10px }
  .site-nav {
    width: 100%;
    justify-content: space-between;
    gap: 4px 12px;
    border-top: 1px solid var(--rule);
    padding-top: 4px;
  }
}
@media (max-width: 400px) {
  .site-nav { gap: 4px 8px }
  .site-nav .nav-link { font-size: 11px; letter-spacing: .05em }
}

/* Designer credit */
footer.site-footer .wm-credit { flex-basis: 100%; font-size: 11px; opacity: .75; }
footer.site-footer .wm-credit a { border-bottom-color: transparent; }
footer.site-footer .wm-credit a:hover { border-bottom-color: var(--rule); }

/* Español / English toggle + footer compliance line (es) */
.site-nav .nav-lang { color: var(--muted); white-space: nowrap }
.site-nav .nav-lang b { color: var(--text); font-weight: inherit }
.site-nav .nav-link small { font-size: .8em; text-transform: none; opacity: .7 }
footer.site-footer .compliance { flex-basis: 100%; margin: 0; font-size: 11px; opacity: .85 }
.loa-en-note { margin-top: 6px }

/* 2026-10-22 SEO: hero H1 uses eyebrow styling; wordmark is now a <p>. */
h1.eyebrow { font-weight: 500; }