/*
 * Before It Happens theme layer.
 *
 * bih.css carries the layout and components; this file loads after it and owns
 * the palette and the handful of components this site adds. Keeping the two
 * apart means a re-skin never has to touch 45KB of working layout CSS.
 *
 * Colour note: the CTA colour is dark enough to carry white text at 4.5:1, and
 * the link colour clears 4.5:1 on white. Both were checked, not eyeballed.
 */

:root {
  --ink: #1d2333;
  --navy: #232e4d;
  --navy-deep: #171f36;
  --teal: #2f5f92;          /* primary / links      — 5.6:1 on white */
  --teal-light: #e4ecf6;
  --aqua: #93b2d6;
  --coral: #b3392a;         /* calls to action      — 6.2:1 with white text */
  --coral-dark: #8f2c1f;
  --cream: #f7f5f1;
  --paper: #ffffff;
  --muted: #56607a;
  --line: #dfe3ec;
  --shadow-sm: 0 10px 30px rgba(29, 35, 51, .08);
  --shadow-lg: 0 24px 70px rgba(23, 31, 54, .22);
}

a:hover { color: #24486e; }
.site-brand strong { color: var(--teal); }
.assurance-items i { color: var(--aqua); }
.eyebrow-light { color: #a9c4e4; }
:focus-visible { outline: 3px solid #f0a08f; outline-offset: 3px; }

/* Brand mark: a shield with a tick. The inherited mark drew a medical cross,
   which belongs to the health-insurance site, not this one. */
.brand-mark {
  width: 32px;
  height: 36px;
  background: var(--teal);
  border-radius: 13px 13px 16px 16px;
  clip-path: polygon(50% 0, 94% 15%, 88% 70%, 50% 100%, 12% 70%, 6% 15%);
}
.brand-mark::before,
.brand-mark::after {
  content: "";
  position: absolute;
  background: #fff;
  border-radius: 2px;
}
.brand-mark::before { left: 34%; top: 46%; width: 4px; height: 9px; transform: translate(-50%, -50%) rotate(-45deg); }
.brand-mark::after  { left: 56%; top: 40%; width: 4px; height: 15px; transform: translate(-50%, -50%) rotate(35deg); }

/* ---------------------------------------------------------------- Static pages */

.static-body { padding: 60px 0 84px; }
.static-body h2 { margin: 2.6rem 0 1rem; font-size: clamp(1.4rem, 2.4vw, 1.85rem); }
.static-body h2:first-child { margin-top: 0; }
.static-body p, .static-body li { color: #33405c; }
.static-body > .container > :last-child { margin-bottom: 0; }

.tick-list, .numbered-list { margin: 0 0 1.6rem; padding: 0; }
.tick-list { list-style: none; }
.tick-list li { position: relative; margin: 0 0 .8rem; padding-left: 1.9rem; }
.tick-list li::before { position: absolute; left: 0; top: 0; color: var(--teal); content: "✓"; font-weight: 900; }
.numbered-list { padding-left: 1.35rem; }
.numbered-list li { margin: 0 0 .8rem; padding-left: .35rem; }
.numbered-list li::marker { color: var(--teal); font-weight: 800; }

/* ---------------------------------------------------------------- Quote page */

.quote-page-shell { padding: 56px 0 80px; background: var(--cream); }
.quote-page-subhead { margin-top: 2.4rem; font-size: 1.25rem; }

/* ---------------------------------------------------------------- Guide index */

.cluster-list { display: flex; flex-direction: column; gap: .75rem; }
.cluster-list-item {
  position: relative;
  display: block;
  padding: 1.15rem 3rem 1.15rem 1.35rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  color: inherit;
  text-decoration: none !important;
  transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease;
}
.cluster-list-item:hover { border-color: var(--aqua); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.cluster-list-title { display: block; color: var(--ink); font-weight: 800; line-height: 1.35; }
.cluster-list-desc { display: block; margin-top: .35rem; color: var(--muted); font-size: .92rem; line-height: 1.55; }
.cluster-list-item b { position: absolute; right: 1.25rem; top: 50%; color: var(--teal); transform: translateY(-50%); }
.cluster-others { background: var(--cream); }

/* Topic cards without artwork: the guide corpus is text and data, not photography,
   so the cards lead on the count and the promise instead of a stock image. */
.topic-card-plain { display: block; }
.topic-card-plain .topic-card-copy {
  display: block;
  padding: 1.5rem 1.6rem 1.4rem;
  background: #fff;
  border: 1px solid var(--line);
  border-top: 4px solid var(--teal);
  border-radius: var(--radius-sm);
  height: 100%;
}
.topic-card-plain:hover .topic-card-copy { border-color: var(--aqua); border-top-color: var(--coral); }
.topic-card-plain small { display: block; margin-bottom: .5rem; color: var(--teal); font-size: .74rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.topic-card-plain strong { display: block; margin-bottom: .5rem; color: var(--ink); font-size: 1.14rem; font-weight: 800; letter-spacing: -.02em; line-height: 1.25; }
.topic-card-plain > .topic-card-copy > span { display: block; margin-bottom: .9rem; color: var(--muted); font-size: .92rem; line-height: 1.55; }
.topic-card-plain b { color: var(--coral); font-size: .86rem; font-weight: 800; }

/* ---------------------------------------------------------------- Form additions */

.pill-group-stack { display: grid; grid-template-columns: 1fr; gap: .5rem; }
.pill-group-inline { display: flex; gap: .5rem; }
.pill-group-inline .pill { flex: 1 1 0; }
.field-hint { margin: .55rem 0 0; color: var(--muted); font-size: .82rem; line-height: 1.45; }
.quote-form fieldset legend.quote-label { float: none; width: auto; margin-bottom: .5rem; font-size: .88rem; }

/* ---------------------------------------------------------------- Article hero */

/* No hero artwork on guides, so the copy column takes the full width rather than
   leaving a hole where an image used to sit. */
.guide-hero-grid-wide { grid-template-columns: minmax(0, 1fr); }
.guide-hero-plain { background: linear-gradient(145deg, var(--navy) 0%, var(--navy-deep) 100%); }
.guide-hero-plain .guide-hero-copy h1 { max-width: 20ch; }
.guide-hero-plain .guide-deck { max-width: 62ch; }
.broker-grid-single { grid-template-columns: minmax(0, 1fr); max-width: 780px; }

@media (min-width: 992px) {
  .guide-hero-plain .guide-hero-copy h1 { max-width: 24ch; font-size: clamp(2.1rem, 3.6vw, 3.1rem); }
}