/* ══════════════════════════════════════════════════════════════════
   Car Insurance Expert — Mockup A (Authoritative / Institutional)
   Deep navy + slate + gold · Source Serif 4 + Inter
   ══════════════════════════════════════════════════════════════════ */

:root {
  --navy: #0a2540;
  --navy-dark: #061833;
  --navy-mid: #143562;
  --slate: #475569;
  --slate-light: #94a3b8;
  --paper: #fcfaf6;
  --paper-soft: #f8f5ef;
  --white: #ffffff;
  --line: #e2e8f0;
  --line-dark: #cbd5e1;
  --gold: #c89a4a;
  --gold-dark: #a87a2c;
  --gold-soft: rgba(200, 154, 74, 0.12);
  --text: #1a2433;
  --text-soft: #475569;
  --text-muted: #64748b;
  --text-on-dark: #c1d2e8;
  --green: #15803d;
  --red: #be123c;
  --radius: 4px;
  --container-max: 1180px;
  --container-narrow: 760px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Source Serif 4', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--navy);
}

a {
  color: var(--navy);
  text-decoration: none;
  transition: color .15s, border-color .15s;
}
a:hover {
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-decoration-thickness: 2px;
  text-underline-offset: 4px;
}

p { margin: 0 0 16px 0; }
p:last-child { margin-bottom: 0; }

img { max-width: 100%; height: auto; }

.container { max-width: var(--container-max); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }

/* ── UTILITY BAR ─────────────────────────────────────────────── */
.utility-bar {
  background: var(--navy-dark);
  color: var(--text-on-dark);
  font-size: 12px;
  padding: 8px 0;
  letter-spacing: 0.02em;
}
.utility-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* ── SITE HEADER ─────────────────────────────────────────────── */
.site-header {
  background: var(--navy);
  color: var(--white);
  padding: 22px 0;
  border-bottom: 3px solid var(--gold);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Source Serif 4', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.01em;
  text-decoration: none;
}
.logo:hover { text-decoration: none; }
.logo-chevron { width: 28px; height: 28px; flex-shrink: 0; }
.logo-text { line-height: 1; }

.main-nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
}
.main-nav a {
  color: var(--text-on-dark);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  transition: border-color .15s, color .15s;
  text-decoration: none;
}
.main-nav a:hover,
.main-nav a.active {
  color: var(--white);
  border-bottom-color: var(--gold);
  text-decoration: none;
}

/* ── HERO ─────────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 100%);
  color: var(--white);
  padding: 64px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, var(--gold-soft) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { max-width: 760px; position: relative; }
.hero h1 { font-size: 48px; margin-bottom: 18px; color: var(--white); }
.hero .lead { font-size: 18px; color: var(--text-on-dark); margin-bottom: 32px; max-width: 620px; }

.eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 6px 14px;
  border: 1px solid rgba(200, 154, 74, 0.4);
  border-radius: 2px;
  margin-bottom: 22px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* ── BUTTONS ──────────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 14px 26px;
  font-weight: 600;
  font-size: 15px;
  border-radius: 2px;
  transition: all .15s;
  cursor: pointer;
  border: none;
  font-family: inherit;
  text-decoration: none;
  line-height: 1.2;
}
.btn-primary { background: var(--gold); color: var(--navy-dark); }
.btn-primary:hover { background: var(--gold-dark); color: var(--white); text-decoration: none; }
.btn-ghost { background: transparent; color: var(--white); border: 1px solid var(--text-on-dark); }
.btn-ghost:hover { background: rgba(255, 255, 255, 0.08); text-decoration: none; }
.btn-outline { background: var(--white); color: var(--navy); border: 1px solid var(--line-dark); }
.btn-outline:hover { border-color: var(--navy); text-decoration: none; }
.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn-lg { padding: 16px 32px; font-size: 16px; }

/* ── STATS STRIP ──────────────────────────────────────────────── */
.stats-band {
  background: var(--white);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 28px 0;
}
.stats-band .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.stat { text-align: center; }
.stat-num {
  font-family: 'Source Serif 4', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.stat-label {
  font-size: 12px;
  color: var(--text-soft);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-top: 6px;
}

/* ── SECTIONS ─────────────────────────────────────────────────── */
section { padding: 72px 0; }
section.section--alt { background: var(--paper-soft); }
section.section--surface { background: var(--white); }

.section-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 14px;
  display: inline-block;
}
.section-title { font-size: 32px; margin-bottom: 14px; color: var(--navy); }
.section-intro {
  font-size: 16px;
  color: var(--text-soft);
  max-width: 640px;
  margin-bottom: 40px;
}

/* ── HUB CARDS ────────────────────────────────────────────────── */
.hubs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.hub {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  transition: all .15s;
  display: block;
  text-decoration: none;
  color: inherit;
}
.hub:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 14px rgba(10, 37, 64, 0.06);
  text-decoration: none;
}
.hub-icon {
  width: 40px;
  height: 40px;
  background: var(--gold-soft);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  margin-bottom: 16px;
  font-family: 'Source Serif 4', serif;
  font-weight: 700;
  font-size: 20px;
}
.hub h3 { font-size: 18px; margin-bottom: 8px; color: var(--navy); }
.hub p { font-size: 14px; color: var(--text-soft); margin-bottom: 14px; }
.hub-meta {
  font-size: 12px;
  color: var(--gold-dark);
  font-weight: 600;
}

/* ── CONTENT TABLES (Dataset / Cost Index) ───────────────────── */
.data-table {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  overflow-x: auto;
}
.data-table table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.data-table th {
  text-align: left;
  padding: 12px 8px;
  border-bottom: 2px solid var(--navy);
  color: var(--navy);
  font-family: 'Source Serif 4', serif;
  font-weight: 600;
  font-size: 14px;
}
.data-table td {
  padding: 12px 8px;
  border-bottom: 1px solid var(--line);
}
.data-table tr:last-child td { border-bottom: none; }
.data-table td.price {
  color: var(--gold-dark);
  font-weight: 600;
}
.data-table .source-note {
  margin-top: 20px;
  font-size: 13px;
  color: var(--text-soft);
}
.data-table .increase { color: var(--red); font-weight: 500; }
.data-table .decrease { color: var(--green); font-weight: 500; }

/* ── TRUST STRIP ──────────────────────────────────────────────── */
.trust-strip {
  background: var(--white);
  padding: 36px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-strip .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-label {
  font-size: 12px;
  color: var(--text-soft);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.trust-sources {
  display: flex;
  gap: 32px;
  align-items: center;
  color: var(--slate);
  font-family: 'Source Serif 4', serif;
  font-style: italic;
  font-size: 15px;
  flex-wrap: wrap;
}

/* ── GUIDES / ARTICLE CARDS ───────────────────────────────────── */
.guides {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.guide {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 24px;
  border-radius: var(--radius);
}
.guide-meta {
  font-size: 12px;
  color: var(--slate-light);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.guide h3 { font-size: 19px; margin-bottom: 8px; }
.guide h3 a { color: var(--navy); }
.guide p { font-size: 14px; color: var(--text-soft); }

/* ── FAQ ACCORDION (matches BB pattern) ───────────────────────── */
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 0;
  font-family: 'Source Serif 4', serif;
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-icon {
  font-size: 20px;
  font-weight: 400;
  color: var(--gold);
  transition: transform .15s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease-out; }
.faq-item.open .faq-a { max-height: 800px; }
.faq-a-inner { padding: 0 0 18px 0; color: var(--text-soft); font-size: 15px; line-height: 1.7; }

/* ── SOURCES BLOCK ────────────────────────────────────────────── */
.sources-block {
  background: var(--paper-soft);
  border-left: 3px solid var(--gold);
  padding: 24px 28px;
  margin: 32px 0;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.sources-block h3 { font-size: 18px; margin-bottom: 12px; }
.sources-block ul {
  list-style: none;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.8;
}
.sources-block li::before {
  content: '·';
  margin-right: 8px;
  color: var(--gold);
  font-weight: 700;
}

/* ── FOOTER ───────────────────────────────────────────────────── */
.site-footer {
  background: var(--navy-dark);
  color: var(--text-on-dark);
  padding: 56px 0 32px;
  font-size: 14px;
  margin-top: 64px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
}
.footer-brand .logo { margin-bottom: 16px; }
.footer-brand p {
  font-size: 14px;
  color: var(--slate-light);
  max-width: 360px;
}
.site-footer h4 {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.site-footer ul { list-style: none; }
.site-footer li { padding: 5px 0; }
.site-footer a { color: var(--text-on-dark); font-size: 14px; }
.site-footer a:hover { color: var(--gold); text-decoration: none; }

.footer-disclaimer {
  background: rgba(0, 0, 0, 0.2);
  padding: 16px;
  border-radius: var(--radius);
  font-size: 12px;
  margin-top: 32px;
  color: var(--slate-light);
  line-height: 1.7;
  border-left: 3px solid var(--gold);
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  margin-top: 24px;
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--slate-light);
  gap: 16px;
  flex-wrap: wrap;
}

/* ── RESPONSIVE ───────────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero h1 { font-size: 32px; }
  .stats-band .container,
  .hubs,
  .guides,
  .footer-grid { grid-template-columns: 1fr; }
  .main-nav { display: none; }
  .site-header .container { padding: 0 16px; }
  .container { padding: 0 16px; }
}

@media (max-width: 600px) {
  .utility-bar .container { font-size: 11px; gap: 8px; flex-direction: column; align-items: flex-start; }
  .hero { padding: 48px 0 56px; }
  .hero h1 { font-size: 28px; }
  section { padding: 48px 0; }
}