/* AZ Family Insurance / Neal Insurance Agency
   Colors from Arizona Home Insurance; flow from Alpine. */

:root {
  --navy: #01345B;
  --navy-deep: #01243f;
  --navy-mid: #02456f;
  --az: #0475D1;
  --az-soft: #e8f3fc;
  --teal: #5CE0D8;
  --gold: #FFCF43;
  --gold-soft: #FFCB6B;
  --body: #212529;
  --muted: #5a6570;
  --hairline: #E9ECEF;
  --line-navy: #c5d0d8;
  --white: #ffffff;
  --off: #f7f8f9;
  --serif: "PT Serif", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --sans: "PT Sans", "Source Sans 3", system-ui, -apple-system, sans-serif;
  --wrap: 1160px;
  --radius: 3px;
  --header-h: 74px;
  --util-h: 45px;
  --shadow: 0 10px 40px rgba(1, 52, 91, 0.12);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  background: var(--white);
}
img:not(.logo-img) { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }
a:hover { color: var(--navy-mid); }
h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.22;
  letter-spacing: -0.01em;
  margin: 0 0 0.6em;
}
h1 { font-size: clamp(2rem, 4vw, 3.05rem); }
h2 { font-size: clamp(1.55rem, 2.6vw, 2.15rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1.1em; padding-left: 1.2em; }
li { margin-bottom: 0.35em; }

.skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--gold);
  color: var(--navy);
  padding: 8px 12px;
  z-index: 200;
}
.skip:focus { left: 12px; top: 12px; }

.wrap {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--sans);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.02em;
  text-decoration: none;
  border-radius: var(--radius);
  padding: 12px 20px;
  border: 2px solid transparent;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  white-space: nowrap;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-soft); color: var(--navy); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-ghost:hover { background: rgba(255,255,255,0.08); color: var(--white); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-mid); color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* Top chrome */
.site-top {
  position: sticky;
  top: 0;
  z-index: 80;
}
.util-bar {
  background: var(--navy-deep);
  color: #d7e2ea;
  font-size: 17px;
  min-height: var(--util-h);
  display: flex;
  align-items: center;
  border-top: 2px solid var(--az);
  padding: 5px 0;
}
.util-bar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px 20px;
  flex-wrap: wrap;
  width: min(var(--wrap), calc(100% - 40px));
}
.util-bar a { color: var(--gold); text-decoration: none; font-weight: 700; }
.util-bar a:hover { color: var(--gold-soft); }
.util-links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-end;
  gap: 6px 16px;
}
.stars { color: var(--gold); letter-spacing: 1px; margin-left: 6px; }

.site-header {
  background: var(--white);
  height: var(--header-h);
  overflow: hidden;
  display: flex;
  align-items: center;
  position: relative;
  border-bottom: 0;
}
.site-header::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--navy) 72%, var(--az) 100%);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
}
.logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 3px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-mark {
  display: block;
  height: 44px;
  width: 288px;
  max-width: 288px;
  overflow: hidden;
  flex-shrink: 0;
}
.logo-img {
  width: 288px !important;
  height: 44px !important;
  max-width: 288px !important;
  max-height: 44px !important;
  min-width: 0 !important;
  aspect-ratio: 288 / 44;
  object-fit: contain;
  object-position: left center;
  display: block;
}
.logo-agency {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  line-height: 1;
}
.logo:hover .logo-agency { color: var(--az); }
.site-nav {
  display: flex;
  align-items: center;
  gap: 4px 18px;
  flex: 1;
}
.site-nav a {
  color: var(--navy);
  text-decoration: none;
  font-size: 16.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--az);
  border-bottom-color: var(--gold);
}
.header-cta { margin-left: auto; flex-shrink: 0; }
.nav-toggle {
  display: none;
  margin-left: auto;
  background: transparent;
  border: 1px solid var(--navy);
  color: var(--navy);
  font-family: var(--sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 8px 12px;
  border-radius: var(--radius);
  cursor: pointer;
}

/* Hero */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy) center/cover no-repeat;
  color: var(--white);
  text-align: center;
  padding: 72px 20px 140px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(1, 36, 63, 0.42);
}
.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 820px;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2.15rem, 5vw, 3.4rem);
  margin-bottom: 18px;
  text-shadow: 0 2px 18px rgba(0,0,0,0.25);
}
.hero-phone {
  display: inline-block;
  font-family: var(--serif);
  font-style: italic;
  font-weight: 700;
  font-size: clamp(1.7rem, 3.4vw, 2.45rem);
  color: var(--gold);
  text-decoration: none;
  text-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.hero-phone:hover { color: var(--gold-soft); }
.hero-actions,
.cta-actions,
.contact-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 12px;
}
.hero-actions { margin-top: 22px; }
.contact-actions { justify-content: flex-start; margin: 0; }
.page-hero {
  position: relative;
  min-height: 280px;
  display: flex;
  align-items: flex-end;
  background: var(--navy) center/cover no-repeat;
  padding: 80px 0 48px;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(1, 36, 63, 0.5);
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 8px; }
.page-hero p { color: #e8eef3; margin: 0; max-width: 640px; font-size: 18px; }

/* Overlapping category doors */
.doors-slot {
  position: relative;
  z-index: 2;
  margin-top: -78px;
  margin-bottom: 8px;
}
.doors {
  background: var(--white);
  border: 1px solid var(--line-navy);
  box-shadow: var(--shadow);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 4px solid var(--gold);
}
.door {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  padding: 32px 16px 28px;
  text-decoration: none;
  color: var(--navy);
  border-right: 1px solid var(--line-navy);
  transition: background 0.15s;
}
.door:last-child { border-right: 0; }
.door:hover { background: var(--az-soft); }
.door:hover .door-icon,
.door:hover span { color: var(--az); }
.door-icon {
  width: 52px;
  height: 52px;
  color: var(--navy);
}
.door-icon svg { width: 100%; height: 100%; }
.door span {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy);
}

/* Sections */
.section { padding: 64px 0; }
.section-tight { padding: 48px 0; }
.section-navy {
  background: var(--navy);
  color: #e4ecf2;
}
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: #d5dee6; }
.section-off { background: var(--off); }
.section-photo {
  position: relative;
  background: var(--navy) center/cover no-repeat;
  color: var(--white);
  padding: 80px 0;
}
.section-photo::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(1, 36, 63, 0.62);
}
.section-photo > .wrap { position: relative; z-index: 1; }
.section-photo h2 { color: var(--white); }
.section-photo p { color: #e8eef3; }
.kicker {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--az);
  margin-bottom: 8px;
}
.section-navy .kicker,
.section-photo .kicker { color: var(--teal); }
.lede { font-size: 1.08em; max-width: 68ch; }

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.split-media {
  min-height: 320px;
  background: var(--navy) center/cover no-repeat;
  border: 1px solid var(--hairline);
}

/* Product cards */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.pcard {
  background: var(--white);
  border: 1px solid var(--hairline);
  padding: 26px 24px 24px;
  display: flex;
  flex-direction: column;
  min-height: 100%;
}
.pcard h3 {
  margin: 0 0 8px;
  font-size: 1.2rem;
}
.pcard p {
  color: var(--muted);
  font-size: 15.5px;
  margin: 0 0 16px;
  flex: 1;
}
.icon-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--teal);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.icon-circle svg { width: 24px; height: 24px; }
.more {
  font-weight: 700;
  font-size: 16.5px;
  text-decoration: none;
  color: var(--navy);
}
.more:hover { color: var(--navy-mid); }
.section-navy .pcard { border-color: rgba(255,255,255,0.12); }

/* Reviews */
.reviews {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 22px;
}
.review-box {
  border: 1px solid var(--hairline);
  padding: 28px 26px;
  background: var(--white);
}
.review-box strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 8px;
}

/* Hub layout */
.hub {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 48px;
  padding: 56px 0 72px;
  align-items: start;
}
.subnav {
  border: 1px solid var(--line-navy);
  background: var(--white);
  margin-bottom: 18px;
}
.subnav a {
  display: block;
  padding: 12px 16px;
  text-decoration: none;
  color: var(--navy);
  font-weight: 700;
  font-size: 15px;
  border-bottom: 1px solid var(--hairline);
}
.subnav a:last-child { border-bottom: 0; }
.subnav a:hover { background: var(--off); }
.subnav a[aria-current="page"] {
  background: var(--navy);
  color: var(--white);
}
.side-cta {
  background: var(--navy);
  color: var(--white);
  padding: 24px 22px;
}
.side-cta h3 { color: var(--white); font-size: 1.25rem; margin-bottom: 8px; }
.side-cta p { color: #d5dee6; font-size: 15px; }
.side-cta .btn { width: 100%; margin-top: 8px; }
.hub-main h1, .hub-main > h2:first-child { margin-top: 0; }
.hub-main .cards { margin-top: 28px; }

/* Article / guides */
.article {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 56px;
  padding: 56px 0 72px;
  align-items: start;
}
.prose { max-width: 72ch; }
.prose h1 { margin-bottom: 0.4em; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.2em; }
.prose a { color: var(--navy); font-weight: 700; }
.prose hr {
  border: 0;
  border-top: 1px solid var(--hairline);
  margin: 2em 0;
}
.byline {
  font-size: 15px;
  color: var(--muted);
  margin: 2em 0 0;
  padding-top: 1.2em;
  border-top: 1px solid var(--hairline);
}
.guide-cta {
  background: var(--navy);
  color: var(--white);
  padding: 22px 22px 20px;
  margin-bottom: 22px;
}
.guide-cta h3 { color: var(--white); }
.guide-cta p { color: #d5dee6; font-size: 15px; }
.guide-cta .btn { width: 100%; margin-top: 8px; }
.related { border: 1px solid var(--hairline); padding: 20px 20px 12px; }
.related h3 { font-size: 1.05rem; }
.related a {
  display: block;
  font-size: 16.5px;
  font-weight: 700;
  text-decoration: none;
  padding: 7px 0;
  border-bottom: 1px solid var(--hairline);
  color: var(--navy);
}
.related a:last-of-type { border-bottom: 0; }

/* Guides index */
.guide-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.gcard {
  border: 1px solid var(--hairline);
  padding: 24px;
  background: var(--white);
  text-decoration: none;
  color: inherit;
  display: block;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.gcard:hover { border-color: var(--line-navy); box-shadow: var(--shadow); }
.gcard h3 { font-size: 1.15rem; margin-bottom: 8px; }
.gcard p { color: var(--muted); font-size: 15px; margin: 0; }

.quote-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 10px;
  margin-top: 20px;
}
.quote-row a {
  display: inline-block;
  border: 1px solid var(--line-navy);
  padding: 6px 12px;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  color: var(--navy);
  border-radius: var(--radius);
  background: var(--white);
}
.quote-row a:hover {
  border-color: var(--navy);
  background: var(--az-soft);
}

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 40px;
  align-items: start;
}
.vcard p { margin-bottom: 0.45em; }
.vcard a { font-weight: 700; }
.map-frame {
  border: 1px solid var(--hairline);
  min-height: 360px;
  width: 100%;
}
.map-frame iframe {
  width: 100%;
  height: 360px;
  border: 0;
}
.hours-list,
.team-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1em;
}
.hours-list li,
.team-list li { margin-bottom: 0.25em; }
.vcard h3 { font-size: 1.05rem; margin: 1.1em 0 0.35em; }
.contact-faq { max-width: 720px; }

/* CTA band */
.cta-band {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 64px 20px;
}
.cta-band h2 { color: var(--white); margin-bottom: 10px; }
.cta-band p {
  color: #d5dee6;
  max-width: 540px;
  margin: 0 auto 22px;
}
.cta-band .hero-phone {
  display: block;
  margin-bottom: 18px;
}
.cta-band .cta-actions { margin-top: 4px; }

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #c9d5de;
  padding: 56px 0 0;
  font-size: 15px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1.1fr;
  gap: 32px;
  padding-bottom: 40px;
}
.site-footer h4 {
  font-family: var(--serif);
  color: var(--gold);
  font-size: 15px;
  letter-spacing: 0.04em;
  margin-bottom: 14px;
}
.site-footer a { color: #e4ecf2; text-decoration: none; }
.site-footer a:hover { color: var(--teal); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.legal {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 16px 0 20px;
  font-size: 13px;
  color: #8fa0ad;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

/* Mobile call bar */
.mob-call {
  display: none;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  background: var(--gold);
  color: var(--navy);
  text-align: center;
  padding: 12px 16px;
  font-family: var(--serif);
  font-weight: 700;
  font-style: italic;
  font-size: 1.15rem;
  text-decoration: none;
  z-index: 70;
  box-shadow: 0 -4px 18px rgba(0,0,0,0.12);
}

@media (max-width: 980px) {
  .cards, .cards-4, .reviews, .split, .guide-list, .contact-grid, .foot-grid {
    grid-template-columns: 1fr 1fr;
  }
  .hub, .article { grid-template-columns: 1fr; }
  .hub-side { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
}

@media (max-width: 780px) {
  :root { --util-h: 64px; }
  .util-bar { font-size: 13px; padding: 8px 0; }
  .util-bar .wrap {
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    gap: 4px 12px;
  }
  .util-links { justify-content: center; gap: 0; }
  .util-links a { padding: 0 10px; border-right: 1px solid rgba(255,207,67,0.35); }
  .util-links a:last-child { border-right: 0; }
  .nav-toggle { display: inline-flex; }
  .site-nav {
    display: none;
    position: absolute;
    left: 0; right: 0;
    top: calc(var(--util-h) + var(--header-h));
    background: var(--navy-deep);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 20px;
    gap: 0;
  }
  .site-nav.is-open { display: flex; }
  .site-nav a {
    color: var(--white);
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .site-nav a:hover,
  .site-nav a[aria-current="page"] {
    color: var(--gold);
    border-bottom-color: var(--gold);
  }
  .header-cta { display: none; }
  .doors { grid-template-columns: 1fr 1fr; }
  .door { border-bottom: 1px solid var(--line-navy); }
  .door:nth-child(2n) { border-right: 0; }
  .cards, .cards-4, .cards-2, .reviews, .split,
  .guide-list, .contact-grid, .foot-grid, .hub-side {
    grid-template-columns: 1fr;
  }
  .hero { min-height: 440px; padding: 56px 16px 100px; }
  .section { padding: 48px 0; }
  .mob-call { display: block; }
  body { padding-bottom: 56px; }
  .legal { flex-direction: column; }
}

@media (max-width: 920px) {
  .header-cta { display: none; }
}
@media (max-width: 560px) {
  :root { --util-h: 68px; }
  .stars { display: none; }
  .util-bar { font-size: 12.5px; padding: 8px 0; }
  .util-bar .wrap { width: min(var(--wrap), calc(100% - 24px)); }
  .util-links { justify-content: center; }
  .logo-mark { height: 32px; width: 212px; max-width: 212px; }
  .logo-img { width: 212px !important; height: 32px !important; max-width: 212px !important; max-height: 32px !important; min-width: 0 !important; }
  .logo-agency { font-size: 11px; }
}