/* ============================================================
   CHAMPP INSURANCE — shared design system (subpages)
   Emerald night + champagne gold · Fraunces + Inter
   ============================================================ */
:root{
  --pine:#062119; --pine-2:#0a3528; --emerald:#0e5c46; --emerald-soft:#177a5d;
  --mint:#9fd6bf; --ivory:#f8f4ea; --paper:#fffdf7; --ink:#0d211a; --ink-soft:#42584f;
  --gold:#e6b64e; --gold-deep:#c98f2b; --gold-grad:linear-gradient(100deg,#f4cf7a,#e6b64e 45%,#c98f2b);
  --line:#e6dfd0; --line-dark:rgba(255,255,255,.12);
  --shadow:0 30px 60px -25px rgba(6,33,25,.35); --r:20px;
  --fd:"Fraunces",Georgia,serif; --fb:"Inter",-apple-system,"Segoe UI",sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--fb);background:var(--ivory);color:var(--ink);line-height:1.7;font-size:16.5px;overflow-x:hidden}
a{color:inherit;text-decoration:none}
ul{list-style:none}
img,svg{display:block;max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 26px}
h1,h2,h3,.serif{font-family:var(--fd);font-weight:600;letter-spacing:-.015em;line-height:1.15;font-variant-numeric:lining-nums}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:11.5px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--emerald)}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:15px 28px;border-radius:999px;font-weight:800;font-size:15px;border:none;cursor:pointer;font-family:var(--fb);transition:.28s}
.btn-gold{background:var(--gold-grad);color:#3a2606;box-shadow:0 14px 34px -12px rgba(201,143,43,.55)}
.btn-gold:hover{transform:translateY(-3px)}
.btn-green{background:var(--emerald);color:#fff}
.btn-green:hover{background:var(--pine-2);transform:translateY(-3px)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}

/* header */
header{position:sticky;top:0;z-index:100;background:rgba(6,33,25,.9);backdrop-filter:blur(16px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:12px}
.logo-mark{width:44px;height:44px;border-radius:12px;background:var(--gold-grad);display:grid;place-items:center;font-family:var(--fd);font-weight:700;font-size:22px;color:#2c1d05}
.logo-word{font-family:var(--fd);font-size:21px;font-weight:700;color:#fff;line-height:1}
.logo-word small{display:block;font-family:var(--fb);font-size:8.5px;font-weight:800;letter-spacing:.34em;text-transform:uppercase;color:var(--gold);margin-top:4px}
.nav-links{display:flex;gap:24px;font-weight:600;font-size:13.5px;color:#cfe0d7}
.nav-links a{padding:8px 0;border-bottom:2px solid transparent}
.nav-links a:hover,.nav-links a.active{color:#fff;border-color:var(--gold)}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav .btn{padding:11px 22px;font-size:13.5px}
@media(max-width:980px){.nav-links{display:none}}

/* page hero */
.phero{background:radial-gradient(900px 420px at 85% -20%,rgba(230,182,78,.22),transparent 60%),linear-gradient(140deg,#0a3528,#062119);color:#fff;padding:56px 0 60px}
.crumbs{font-size:12.5px;color:#9dbcac;margin-bottom:22px;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.crumbs a{color:var(--gold);font-weight:600}
.crumbs span.sep{color:#557567}
.phero h1{font-size:clamp(32px,4.6vw,52px);max-width:900px;margin:14px 0 18px}
.phero h1 em{font-style:italic;color:var(--gold)}
.phero .pdesc{font-size:17.5px;color:#c4dacf;max-width:720px}
.byline{display:flex;align-items:center;gap:14px;margin-top:28px;flex-wrap:wrap}
.byline .avatar{width:46px;height:46px;border-radius:50%;background:var(--gold-grad);color:#2c1d05;display:grid;place-items:center;font-family:var(--fd);font-weight:700;font-size:18px}
.byline b{font-size:14.5px;display:block;color:#fff}
.byline span{font-size:12.5px;color:#9dbcac}
.byline .sep-dot{color:#557567}

/* article layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:54px;padding:64px 0 80px}
@media(max-width:980px){.layout{grid-template-columns:1fr}}
.quickbox{background:#eef7f2;border:1.5px solid var(--emerald);border-radius:18px;padding:24px 28px;margin-bottom:38px;position:relative}
.quickbox::before{content:"⚡ Quick Answer";display:block;font-size:11px;font-weight:900;letter-spacing:.18em;text-transform:uppercase;color:var(--emerald);margin-bottom:10px}
.quickbox p{font-size:16.5px;font-weight:500;color:var(--ink);line-height:1.65}
.content h2{font-size:clamp(24px,2.8vw,32px);color:var(--ink);margin:44px 0 16px;scroll-margin-top:100px}
.content h2:first-child{margin-top:0}
.content h3{font-size:20px;margin:30px 0 12px;color:var(--emerald)}
.content p{color:#33493f;margin-bottom:16px}
.content ul,.content ol{margin:0 0 18px 6px}
.content ul li,.content ol li{padding-left:28px;position:relative;color:#33493f;margin-bottom:10px}
.content ul li::before{content:"✦";position:absolute;left:0;top:1px;color:var(--gold-deep);font-size:13px}
.content ol{counter-reset:o}
.content ol li{counter-increment:o}
.content ol li::before{content:counter(o);position:absolute;left:0;top:2px;width:20px;height:20px;background:var(--emerald);color:#fff;border-radius:50%;font-size:11.5px;font-weight:800;display:grid;place-items:center}
.content a{color:var(--emerald);font-weight:700;border-bottom:1.5px solid rgba(14,92,68,.3)}
.content a:hover{border-color:var(--emerald)}
.content blockquote{font-family:var(--fd);font-style:italic;font-size:19.5px;color:var(--emerald);border-left:3px solid var(--gold);padding:6px 0 6px 24px;margin:28px 0}
.content strong{color:var(--ink)}
table.ctable{width:100%;border-collapse:collapse;margin:24px 0 30px;background:var(--paper);border-radius:14px;overflow:hidden;box-shadow:0 10px 30px -18px rgba(6,33,25,.3);font-size:14.5px}
table.ctable th{background:var(--pine);color:#fff;text-align:left;padding:13px 18px;font-weight:700}
table.ctable td{padding:12px 18px;border-bottom:1px solid var(--line);color:#33493f}
table.ctable tr:last-child td{border-bottom:none}
table.ctable tr:nth-child(even) td{background:#faf6ec}

/* sidebar */
.sidebar>div{margin-bottom:26px}
.side-card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px}
.side-card h4{font-family:var(--fd);font-size:18px;margin-bottom:14px}
.toc a{display:block;font-size:13.5px;color:var(--ink-soft);padding:7px 0 7px 14px;border-left:2px solid var(--line);font-weight:600}
.toc a:hover,.toc a.on{color:var(--emerald);border-color:var(--gold)}
.side-cta{background:linear-gradient(155deg,var(--pine-2),var(--pine));color:#fff;border:none;text-align:center}
.side-cta .sc-eyebrow{font-size:10.5px;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.side-cta h4{color:#fff;font-size:20px;margin-bottom:8px}
.side-cta p{font-size:13.5px;color:#b9d2c6;margin-bottom:18px}
.side-cta .btn{width:100%;margin-bottom:10px;padding:13px}
.side-cta .fine{font-size:11px;color:#7fa192;margin-top:8px}
.sticky{position:sticky;top:98px}

/* faq */
.faq-block{margin-top:52px}
.faq-block h2{font-size:clamp(24px,2.8vw,32px);margin-bottom:22px}
details{background:var(--paper);border:1px solid var(--line);border-radius:15px;margin-bottom:12px;overflow:hidden;transition:.25s}
details summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;font-size:15.5px;display:flex;justify-content:space-between;gap:16px;align-items:center}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-family:var(--fd);font-size:24px;color:var(--gold-deep);line-height:1;transition:.3s;flex:none}
details[open]{border-color:var(--emerald);background:#fff}
details[open] summary::after{transform:rotate(45deg)}
.faq-a{padding:0 22px 18px;font-size:14.5px;color:var(--ink-soft);line-height:1.7}

/* related */
.related{margin-top:56px}
.related h2{font-size:24px;margin-bottom:20px}
.rel-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.rel-card{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 22px;font-weight:700;font-size:14.5px;display:flex;justify-content:space-between;align-items:center;gap:12px;transition:.25s;color:var(--ink)}
.rel-card::after{content:"→";color:var(--gold-deep);transition:.2s}
.rel-card:hover{border-color:var(--emerald);transform:translateX(4px)}
@media(max-width:640px){.rel-grid{grid-template-columns:1fr}}

/* cta band */
.cta-band{background:var(--gold-grad);padding:56px 0}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(24px,3.4vw,36px);color:#2c1d05}
.cta-band p{color:#6b4f16;font-weight:600;font-size:15px}
.cta-band .btn-green{padding:16px 32px}

/* forms */
.f-field{margin-bottom:14px}
.f-field label{display:block;font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:6px}
.f-field input,.f-field select,.f-field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;font-size:15px;font-family:var(--fb);background:#fff;color:var(--ink)}
.f-field input:focus,.f-field select:focus,.f-field textarea:focus{outline:none;border-color:var(--emerald);box-shadow:0 0 0 3px rgba(14,92,68,.14)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}
@media(max-width:640px){.f-row{grid-template-columns:1fr}}

/* footer */
footer{background:#04160f;color:#8fae9f;padding:70px 0 0;font-size:14px}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1.1fr;gap:40px;padding-bottom:48px}
.fgrid h4{color:#fff;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px;font-family:var(--fb);font-weight:700}
.fgrid li{margin-bottom:10px}
.fgrid a:hover{color:var(--gold)}
.fbrand p{margin:18px 0 0;max-width:300px;line-height:1.75;font-size:13.5px}
.fdisc{font-size:11.5px;color:#4f6e60;padding:20px 0 0;border-top:1px solid rgba(255,255,255,.08);line-height:1.7}
.fbottom{border-top:1px solid rgba(255,255,255,.08);padding:22px 0;font-size:12px;color:#5c7d6e;margin-top:20px}
.fbottom .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
@media(max-width:980px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}}

/* floaters */
.wa-float{position:fixed;bottom:26px;right:26px;z-index:90;width:58px;height:58px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 16px 34px -10px rgba(37,211,102,.6);transition:.25s}
.wa-float:hover{transform:scale(1.1)}

/* blog index cards */
.bindex{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:64px 0 90px}
.bix-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:.3s;display:flex;flex-direction:column}
.bix-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.bix-thumb{height:150px;display:grid;place-items:center;font-size:46px}
.bix-body{padding:24px;display:flex;flex-direction:column;flex:1}
.bix-meta{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}
.bix-body h2{font-size:18.5px;line-height:1.35;margin-bottom:10px}
.bix-body p{font-size:14px;color:var(--ink-soft);flex:1;margin-bottom:16px}
.bix-body .go{font-weight:800;font-size:13.5px;color:var(--emerald)}
@media(max-width:980px){.bindex{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.bindex{grid-template-columns:1fr}}

/* contact */
.ccards{display:grid;gap:14px;margin:26px 0}
.ccard{display:flex;align-items:center;gap:16px;background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:18px 20px;font-weight:700;transition:.25s}
.ccard:hover{border-color:var(--emerald);transform:translateX(5px)}
.ccard .ic{width:44px;height:44px;border-radius:12px;background:var(--gold-grad);color:#2c1d05;display:grid;place-items:center;font-size:19px;flex:none}
.ccard small{display:block;font-weight:500;color:var(--ink-soft);font-size:12.5px}

/* reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}