/* Clarity Insurance Advisors — public site (C-11, Lane E @laptop).
   Identity: IBM Plex Sans, slate-navy (#12263A) + Clarity blue (#1E6FA8) — same family as the
   CRM's design pass so the brand reads as one company. Phone-first; leads come from ads. */
:root{--navy:#12263A;--navy2:#1B3A57;--blue:#1E6FA8;--blue-d:#155A8A;--ink:#22303e;--muted:#5d7185;
--line:#dfe7ee;--paper:#f5f8fb;--card:#fff;--ok:#1e9e57;--amber:#e08a00}
*{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.6 "IBM Plex Sans",system-ui,sans-serif}
h1,h2,h3{font-weight:600;line-height:1.25;margin:0}
a{color:var(--blue)}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
/* header */
header.site{background:var(--navy);color:#e6edf5;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;height:64px}
.brandmark{display:flex;align-items:center;gap:10px;text-decoration:none;color:#e6edf5}
.brandmark b{letter-spacing:.14em;text-transform:uppercase;font-size:.82rem;font-weight:600}
.brandmark .dot{width:10px;height:10px;border-radius:50%;background:var(--blue)}
nav.main{display:flex;gap:4px;flex-wrap:wrap}
nav.main a{color:#b9cbdc;text-decoration:none;font-size:.85rem;padding:.5em .8em;border-radius:6px}
nav.main a:hover,nav.main a.on{color:#fff;background:rgba(255,255,255,.08)}
.callus{background:var(--blue);color:#fff;text-decoration:none;border-radius:8px;padding:.6em 1.1em;font-weight:600;font-size:.88rem;white-space:nowrap}
.callus:hover{background:var(--blue-d)}
@media(max-width:760px){nav.main{display:none}}
/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#eef4fa;padding:64px 0 72px}
/* brand art sits behind the copy: right-anchored, cropped, never competing with the headline */
.hero .hero-art{position:absolute;inset:0;background-position:right center;background-size:cover;background-repeat:no-repeat;opacity:.9;pointer-events:none}
.hero .hero-art::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,var(--navy) 0%,rgba(18,38,58,.92) 38%,rgba(18,38,58,.35) 68%,rgba(18,38,58,.15) 100%)}
.hero .wrap{position:relative;z-index:1}
@media(max-width:820px){.hero .hero-art{background-position:70% center;opacity:.5}.hero .hero-art::after{background:linear-gradient(180deg,rgba(18,38,58,.72),rgba(18,38,58,.94))}}
/* optional stock footage in the hero (muted loop); poster shows until it can play */
.hero video.hero-vid{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42}
@media(prefers-reduced-motion:reduce){.hero video.hero-vid{display:none}}
.hero h1{font-size:clamp(1.7rem,4.2vw,2.7rem);max-width:640px}
.hero p.sub{color:#b9cbdc;max-width:560px;font-size:1.05rem;margin:16px 0 26px}
.hero .cta{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;border-radius:10px;padding:.95em 1.7em;font-weight:600}
.hero .cta:hover{background:var(--blue-d)}
.hero .subcta{margin-left:14px;color:#b9cbdc;font-size:.9rem}
.trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:34px;color:#9fb6ca;font-size:.85rem}
.trust b{color:#e6edf5}
/* sections */
section{padding:52px 0}
section.alt{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{letter-spacing:.14em;text-transform:uppercase;font-size:.72rem;font-weight:600;color:var(--blue)}
h2.sec{font-size:1.6rem;margin:6px 0 8px}
p.lead{color:var(--muted);max-width:640px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin-top:26px}
.svc{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px;text-decoration:none;color:var(--ink);display:block}
.svc:hover{border-color:var(--blue);box-shadow:0 10px 26px -18px rgba(18,38,58,.45)}
.svc .ic{font-size:1.5rem}
.svc h3{font-size:1.05rem;margin:10px 0 6px}
.svc p{color:var(--muted);font-size:.88rem;margin:0}
.svc .go{display:inline-block;margin-top:12px;color:var(--blue);font-weight:600;font-size:.85rem}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin-top:24px}
.step{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:18px}
.step b{display:block;color:var(--blue);font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.bullets{margin:18px 0 0;padding:0;list-style:none}
.bullets li{padding:7px 0 7px 28px;position:relative;color:var(--ink)}
.bullets li:before{content:"✓";position:absolute;left:2px;color:var(--ok);font-weight:700}
/* lead form */
.leadbox{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;max-width:520px;box-shadow:0 24px 50px -34px rgba(18,38,58,.5)}
.leadbox h3{font-size:1.2rem;margin-bottom:4px}
.leadbox p.small{color:var(--muted);font-size:.85rem;margin:0 0 16px}
.leadbox label{display:block;font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:12px 0 5px}
.leadbox input,.leadbox select{width:100%;padding:.75em .85em;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fdfefe;color:var(--ink)}
.leadbox input:focus,.leadbox select:focus{outline:none;border-color:var(--blue)}
.leadbox .row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:480px){.leadbox .row{grid-template-columns:1fr}}
.leadbox button{width:100%;margin-top:16px;border:0;border-radius:9px;background:var(--blue);color:#fff;font:600 1rem "IBM Plex Sans";padding:.9em;cursor:pointer}
.leadbox button:hover{background:var(--blue-d)}
.leadbox button:disabled{opacity:.5}
.ptc{font-size:.72rem;color:var(--muted);line-height:1.5;margin-top:12px}
.form-ok{background:#f2fbf5;border:1px solid #bfe6cf;border-radius:10px;padding:18px;color:var(--ink)}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
@media(max-width:860px){.split{grid-template-columns:1fr}}
/* compliance + footer */
.notice{background:var(--paper);border-left:3px solid var(--blue);padding:12px 16px;font-size:.82rem;color:var(--muted);border-radius:0 8px 8px 0;margin:16px 0}
footer.site{background:var(--navy);color:#9fb6ca;padding:40px 0 30px;font-size:.8rem;line-height:1.7}
footer.site a{color:#b9cbdc}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
@media(max-width:720px){footer.site .cols{grid-template-columns:1fr}}
footer.site .fine{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:18px;color:#7e97ac}


/* ---------- PHOTOGRAPHY (real people; drop files into /img/photo, see img/photo/README) ---------- */
/* Hero with a photograph: the picture carries the emotion, the scrim keeps every word legible. */
.hero.has-photo{padding:0}
.hero.has-photo .hero-photo{position:absolute;inset:0;background-size:cover;background-position:center 30%;filter:saturate(1.02)}
.hero.has-photo .hero-photo::after{content:"";position:absolute;inset:0;
  background:linear-gradient(102deg,rgba(10,26,42,.95) 0%,rgba(10,26,42,.88) 34%,rgba(10,26,42,.55) 62%,rgba(10,26,42,.28) 100%)}
.hero.has-photo .wrap{padding-top:72px;padding-bottom:78px}
@media(max-width:820px){
  .hero.has-photo .hero-photo{background-position:60% 25%}
  .hero.has-photo .hero-photo::after{background:linear-gradient(180deg,rgba(10,26,42,.72) 0%,rgba(10,26,42,.93) 55%,rgba(10,26,42,.97) 100%)}
}
/* A full-width photo band between sections — faces at a human scale, not a stamp. */
.photoband{position:relative;min-height:340px;display:flex;align-items:center;background-size:cover;background-position:center 35%;color:#fff;overflow:hidden}
.photoband::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,26,42,.9) 0%,rgba(10,26,42,.7) 45%,rgba(10,26,42,.15) 100%)}
.photoband .wrap{position:relative;z-index:1;padding:44px 0}
.photoband blockquote{margin:0;max-width:30ch;font-family:Georgia,"IBM Plex Serif",serif;font-size:clamp(1.25rem,2.6vw,1.9rem);line-height:1.3}
.photoband cite{display:block;margin-top:14px;font-style:normal;font-size:.86rem;color:#b9cbdc;letter-spacing:.02em}
@media(max-width:820px){.photoband{min-height:300px}.photoband::before{background:linear-gradient(180deg,rgba(10,26,42,.55),rgba(10,26,42,.95))}}
/* Photo thumbnails on the service cards */
.svc .thumb{display:block;width:100%;aspect-ratio:16/10;border-radius:9px;background-color:#17324b;background-image:linear-gradient(135deg,#17324b,#0f2336);background-size:cover;background-position:center;margin-bottom:12px}
/* Larger, calmer body text — this audience reads on phones and tablets */
.svc p{font-size:.95rem;line-height:1.55}