/* LicensedUP: licensedup.app. Colors from the apps: Life & Health teal, Property & Casualty red, brand amber. */
:root {
  --ink: #0b1b2b;
  --ink-soft: #4a5b6d;
  --paper: #f7f9fb;
  --card: #ffffff;
  --line: #e3e9ef;
  --teal: #0f766e;
  --teal-dark: #0b5952;
  --teal-soft: #e6f4f2;
  --red: #b91c1c;
  --red-soft: #fdecec;
  --amber: #ffb830;
  --amber-soft: #fff4dc;
  --navy: #0b1b2b;
  --radius: 20px;
  --shadow: 0 12px 34px rgba(11, 27, 43, 0.08);
  --shadow-lg: 0 30px 70px rgba(11, 27, 43, 0.18);
  --font: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 17px/1.6 var(--font);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); }
h1, h2, h3 { line-height: 1.12; margin: 0 0 0.5em; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.4rem, 5.6vw, 4rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.8vw, 2.8rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }
.wrap { width: min(1160px, 100% - 32px); margin-inline: auto; }
.center { text-align: center; }
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--teal);
  margin-bottom: 12px;
}
.lede { font-size: 1.18rem; color: var(--ink-soft); max-width: 60ch; }
.center .lede { margin-inline: auto; }
.up { color: var(--amber); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(247, 249, 251, 0.88);
  backdrop-filter: saturate(1.6) blur(12px);
  -webkit-backdrop-filter: saturate(1.6) blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}
.site-header.scrolled { border-bottom-color: var(--line); }
.nav { display: flex; align-items: center; gap: 24px; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-weight: 800; font-size: 1.25rem; letter-spacing: -0.02em; }
.brand svg { width: 34px; height: 34px; flex: none; }
.nav-links { display: flex; gap: 22px; margin-left: auto; align-items: center; }
.nav-links a { color: var(--ink-soft); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.nav-links a:hover { color: var(--ink); }
.nav-links a.btn-primary, .nav-links a.btn-primary:hover { color: #fff; }
.menu-btn { display: none; margin-left: auto; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--ink); }
.menu-btn svg { width: 26px; height: 26px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px;
  border-radius: 14px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: 0;
  cursor: pointer;
  transition: transform 0.15s, box-shadow 0.15s, background 0.15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--teal); color: #fff; box-shadow: 0 8px 22px rgba(15, 118, 110, 0.32); }
.btn-primary:hover { background: var(--teal-dark); }
.btn-ghost { background: var(--card); color: var(--ink); border: 1px solid var(--line); }
.btn-small { padding: 9px 16px; font-size: 0.92rem; border-radius: 11px; }
.btn svg { width: 20px; height: 20px; }

/* Store badges: a link once the app is live, else "Coming soon" text */
.stores { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.store {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 10px 18px 10px 14px;
  border-radius: 14px;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  min-width: 190px;
}
.store svg { width: 28px; height: 28px; flex: none; }
.store small { display: block; font-size: 0.72rem; opacity: 0.75; line-height: 1.2; }
.store strong { display: block; font-size: 1.08rem; line-height: 1.25; }
.store.soon { opacity: 0.92; }

/* Hero */
.hero { position: relative; overflow: hidden; padding: 72px 0 40px; }
.hero::before {
  content: "";
  position: absolute;
  inset: -40% -10% auto auto;
  width: 900px;
  height: 900px;
  background: radial-gradient(circle at center, rgba(15, 118, 110, 0.16), rgba(15, 118, 110, 0) 62%);
  pointer-events: none;
}
.hero-grid { position: relative; display: grid; grid-template-columns: 1.05fr 1fr; gap: 48px; align-items: center; }
.hero h1 .accent { color: var(--teal); }
.hero .lede { margin-top: 6px; }
.tagline { font-weight: 800; color: var(--ink); font-size: 1.05rem; margin-top: 22px; }
.tagline span { color: var(--amber); }
.hero-points { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 10px; }
.hero-points li { display: flex; gap: 10px; align-items: flex-start; color: var(--ink-soft); }
.hero-points svg { width: 22px; height: 22px; flex: none; color: var(--teal); margin-top: 2px; }

.phones { position: relative; height: 640px; }
.phone {
  position: absolute;
  width: 290px;
  border-radius: 46px;
  padding: 10px;
  background: #0b1320;
  box-shadow: var(--shadow-lg);
}
.phone img { border-radius: 37px; width: 100%; aspect-ratio: 1206 / 2622; object-fit: cover; object-position: top; background: #fff; }
.phone.front { right: 150px; top: 30px; z-index: 2; }
.phone.back { right: 0; top: 0; transform: rotate(6deg) scale(0.92); transform-origin: top right; opacity: 0.97; }

/* Stats band */
.stats { padding: 26px 0 64px; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.stat { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 20px; }
.stat strong { display: block; font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; color: var(--ink); }
.stat span { color: var(--ink-soft); font-size: 0.95rem; }

/* Sections */
section { scroll-margin-top: 80px; }
.section { padding: 84px 0; }
.section-head { max-width: 760px; margin-bottom: 44px; }
.section-head.center { margin-inline: auto; }
.band { background: var(--card); border-block: 1px solid var(--line); }
.dark { background: var(--navy); color: #e8eef4; }
.dark h2, .dark h3 { color: #fff; }
.dark .lede, .dark p { color: #b9c7d4; }
.dark .eyebrow { color: var(--amber); }

/* Exams */
.exam-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.exam-card {
  position: relative;
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: 20px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}
.exam-card img { width: 96px; height: 96px; border-radius: 22px; box-shadow: 0 8px 18px rgba(11, 27, 43, 0.18); }
.exam-card h3 { margin-bottom: 6px; font-size: 1.35rem; }
.exam-card p { color: var(--ink-soft); margin-bottom: 12px; }
.exam-card ul { margin: 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-block; padding: 5px 11px; border-radius: 999px; font-size: 0.82rem; font-weight: 700; background: var(--teal-soft); color: var(--teal-dark); }
.chip.red { background: var(--red-soft); color: var(--red); }
.chip.blue { background: #e8eefb; color: #1e40af; }
.chip.amber { background: var(--amber-soft); color: #8a5a00; }
.badge { position: absolute; top: 18px; right: 18px; font-size: 0.75rem; font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase; padding: 5px 10px; border-radius: 999px; background: var(--amber); color: var(--navy); }
.coming { margin-top: 26px; padding: 22px 24px; border-radius: var(--radius); border: 1px dashed #c6d2dc; display: flex; flex-wrap: wrap; gap: 10px 14px; align-items: center; }
.coming strong { margin-right: 6px; }
.coming .chip { background: #eef2f6; color: var(--ink-soft); }

/* Features */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.feature { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.band .feature { background: var(--paper); }
.feature .icon { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); margin-bottom: 16px; }
.feature .icon svg { width: 26px; height: 26px; }
.feature:nth-child(3n+2) .icon { background: var(--amber-soft); color: #b77900; }
.feature:nth-child(3n) .icon { background: #eaf0ff; color: #2952cc; }
.feature p { color: var(--ink-soft); margin: 0; }

/* Showcase rows */
.show { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.show + .show { margin-top: 96px; }
.show.flip .show-media { order: 2; }
.show-media { display: flex; justify-content: center; gap: 22px; }
.show-media .phone { position: relative; width: 260px; }
.show-media .phone.small { width: 230px; margin-top: 60px; }
.show-copy ul { padding: 0; list-style: none; margin: 18px 0 0; display: grid; gap: 12px; }
.show-copy li { display: flex; gap: 12px; color: var(--ink-soft); }
.show-copy li svg { width: 22px; height: 22px; flex: none; color: var(--teal); margin-top: 2px; }
.show-copy li strong { color: var(--ink); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step { position: relative; padding: 26px 22px 22px; border-radius: var(--radius); background: rgba(255, 255, 255, 0.05); border: 1px solid rgba(255, 255, 255, 0.1); }
.step::before {
  counter-increment: step;
  content: counter(step);
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 12px;
  background: var(--amber);
  color: var(--navy);
  font-weight: 800;
  margin-bottom: 16px;
}
.step p { margin: 0; }

/* States */
.states-box { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.state-list { display: flex; flex-wrap: wrap; gap: 7px; }
.state-list span { display: inline-grid; place-items: center; width: 46px; height: 34px; border-radius: 9px; font-size: 0.82rem; font-weight: 800; background: var(--teal); color: #fff; }
.state-list span.pc { background: var(--teal-soft); color: var(--teal-dark); }
.legend { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 16px; font-size: 0.9rem; color: var(--ink-soft); }
.legend i { display: inline-block; width: 14px; height: 14px; border-radius: 4px; vertical-align: -2px; margin-right: 6px; background: var(--teal); }
.legend i.pc { background: var(--teal-soft); border: 1px solid #b9dcd7; }

/* Pricing */
.price-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 22px; align-items: stretch; }
.price-grid.two { grid-template-columns: 1fr 1fr; max-width: 820px; margin-inline: auto; }
.price { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; display: flex; flex-direction: column; }
.price.featured { border: 2px solid var(--teal); box-shadow: var(--shadow); position: relative; }
.price.featured::before { content: "Most popular"; position: absolute; top: -13px; left: 28px; background: var(--teal); color: #fff; font-size: 0.75rem; font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }
.price h3 { margin-bottom: 4px; }
.price .amount { font-size: 2.8rem; font-weight: 800; letter-spacing: -0.03em; margin: 8px 0 2px; }
.price .amount small { font-size: 1rem; font-weight: 600; color: var(--ink-soft); letter-spacing: 0; }
.price .note { color: var(--ink-soft); font-size: 0.95rem; }
.price ul { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; }
.price li { display: flex; gap: 10px; color: var(--ink-soft); font-size: 0.97rem; }
.price li svg { width: 20px; height: 20px; flex: none; color: var(--teal); margin-top: 3px; }

/* FAQ */
.faq { max-width: 820px; margin-inline: auto; }
.faq details { background: var(--card); border: 1px solid var(--line); border-radius: 16px; padding: 4px 22px; margin-bottom: 12px; }
.faq summary { cursor: pointer; list-style: none; font-weight: 700; padding: 16px 0; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--teal); transition: transform 0.2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--ink-soft); margin: 0 0 18px; }

/* CTA */
.cta { text-align: center; }
.cta-box {
  border-radius: 28px;
  padding: 64px 24px;
  background: linear-gradient(135deg, var(--teal) 0%, #0d5f75 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-box h2 { color: #fff; }
.cta-box p { color: #d9f0ec; max-width: 56ch; margin-inline: auto; }
.cta-box .stores { justify-content: center; }
.cta-box .store { background: #fff; color: var(--navy); }
.cta-box p a { color: #fff; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }

/* Footer */
.site-footer { padding: 56px 0 40px; color: var(--ink-soft); font-size: 0.93rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.site-footer h4 { color: var(--ink); font-size: 0.95rem; margin: 0 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: var(--ink-soft); text-decoration: none; }
.site-footer a:hover { color: var(--teal); }
.fine { border-top: 1px solid var(--line); margin-top: 40px; padding-top: 22px; font-size: 0.85rem; }

/* Document pages (privacy, support) */
.doc { padding: 56px 0 80px; }
.doc .wrap { max-width: 780px; }
.doc h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
.doc h2 { font-size: 1.3rem; margin-top: 2em; letter-spacing: -0.01em; }
.doc p, .doc li { color: #2c3c4d; }
.doc .updated { color: var(--ink-soft); }
.contact-card { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; justify-content: space-between; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; margin: 26px 0 8px; box-shadow: var(--shadow); }
.contact-card p { margin: 0; }

/* App pages (/life-health, /property-casualty) */
.app-id { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.app-id img { width: 64px; height: 64px; border-radius: 15px; box-shadow: 0 8px 18px rgba(11, 27, 43, 0.18); }
.app-id strong { display: block; font-size: 1.1rem; }
.app-id small { display: block; color: var(--ink-soft); font-size: 0.9rem; }
.chapter-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; max-width: 980px; margin-inline: auto; }
.chapter { display: flex; justify-content: space-between; align-items: center; gap: 16px; background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 14px 18px; }
.chapter strong { display: block; line-height: 1.35; }
.chapter small { display: block; color: var(--ink-soft); font-size: 0.86rem; }
.chapter .w { font-weight: 800; color: var(--teal); white-space: nowrap; }
.track-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; }
.track { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; border-top: 4px solid var(--teal); }
.track p { color: var(--ink-soft); margin: 0; }
.exam-card.wide { grid-column: 1 / -1; }
.exam-card .stores { margin-top: 18px; }
.exam-card .stores + .more { margin-top: 16px; }
.exam-card .more { display: inline-block; margin-top: 14px; font-weight: 700; text-decoration: none; }
.theme-pc .exam-card .more, .exam-card .more.red { color: var(--red); }
.exam-card .more.blue { color: #1e40af; }

/* Property & Casualty pages use the app's red */
.theme-pc { --teal: #b91c1c; --teal-dark: #8f1616; --teal-soft: #fdecec; }
.theme-pc .hero::before { background: radial-gradient(circle at center, rgba(185, 28, 28, 0.13), rgba(185, 28, 28, 0) 62%); }
.theme-pc .btn-primary { box-shadow: 0 8px 22px rgba(185, 28, 28, 0.3); }
.theme-pc .cta-box { background: linear-gradient(135deg, #b91c1c 0%, #7f1d1d 100%); }
.theme-pc .cta-box p { color: #fde2e2; }
.theme-pc .feature:nth-child(3n+1) .icon { background: var(--teal-soft); color: var(--teal); }
.theme-sie { --teal: #1e40af; --teal-dark: #1e3a8a; --teal-soft: #e8eefb; }
.theme-sie .hero::before { background: radial-gradient(circle at center, rgba(30, 64, 175, 0.13), rgba(30, 64, 175, 0) 62%); }
.theme-sie .btn-primary { box-shadow: 0 8px 22px rgba(30, 64, 175, 0.3); }
.theme-sie .cta-box { background: linear-gradient(135deg, #1e40af 0%, #1e3a8a 100%); }
.theme-sie .cta-box p { color: #dbe4ff; }
.theme-sie .feature:nth-child(3n+1) .icon { background: var(--teal-soft); color: var(--teal); }

/* Reveal on scroll */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.js .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* Responsive */
@media (max-width: 1000px) {
  .hero-grid, .show, .states-box { grid-template-columns: 1fr; }
  .show.flip .show-media { order: 0; }
  .phones { height: 560px; max-width: 470px; margin-inline: auto; width: 100%; }
  .phone { width: 250px; }
  .phone.front { right: auto; left: 0; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .price-grid, .price-grid.two { grid-template-columns: 1fr; max-width: 480px; margin-inline: auto; }
  .exam-grid { grid-template-columns: 1fr; }
  .chapter-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .menu-btn { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 16px 18px;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 4px; font-size: 1.05rem; }
  .nav-links .btn { margin-top: 8px; justify-content: center; }
  .hero { padding-top: 40px; }
  .phones { height: 470px; }
  .phone { width: 210px; border-radius: 36px; padding: 8px; }
  .phone img { border-radius: 29px; }
  .phone.back { right: 0; }
  .section { padding: 64px 0; }
  .feature-grid, .steps { grid-template-columns: 1fr; }
  .exam-card { grid-template-columns: 1fr; }
  .show-media .phone { width: 200px; }
  .show-media .phone.small { width: 170px; margin-top: 40px; }
  .footer-grid { grid-template-columns: 1fr; }
  .store { min-width: 0; flex: 1 1 200px; }
}