/* AK Insurance Partners. Brand colors sampled from the logo. */
:root {
  --navy: #081b24;
  --navy-2: #0f2d3b;
  --navy-3: #173e4f;
  --red: #aa1b2d;
  --red-dark: #8c1524;
  --cream: #f6f5f1;
  --ink: #13232b;
  --muted: #55656d;
  --line: #dfe5e7;
  --soft: #f3f6f6;
  --white: #ffffff;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(8, 27, 36, .06), 0 8px 24px rgba(8, 27, 36, .08);
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-head: "Poppins", "Inter", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  overflow-x: hidden;
}
img, svg { max-width: 100%; }
img { height: auto; display: block; }
a { color: var(--red); text-underline-offset: 3px; }
a:hover { color: var(--red-dark); }
:focus-visible { outline: 3px solid #e2a23b; outline-offset: 2px; border-radius: 4px; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 .5em;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); font-weight: 700; }
h2 { font-size: clamp(1.55rem, 2.8vw, 2.15rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: .35em; }
strong { font-weight: 600; }

.wrap { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--navy); color: var(--cream); padding: 10px 14px; z-index: 100; }
.skip-link:focus { left: 10px; top: 10px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem; line-height: 1.2;
  padding: .85em 1.35em; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-red { background: var(--red); color: var(--white); }
.btn-red:hover { background: var(--red-dark); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--cream); }
.btn-navy:hover { background: var(--navy-3); color: var(--white); }
.btn-ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-ghost:hover { background: var(--navy); color: var(--cream); }
.btn-light { border-color: rgba(246, 245, 241, .7); color: var(--cream); background: transparent; }
.btn-light:hover { background: var(--cream); color: var(--navy); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 1.5em 0 0; }

/* Top bar and header */
.topbar { background: var(--navy); color: var(--cream); font-size: .85rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 7px; padding-bottom: 7px; }
.topbar a { color: var(--cream); text-decoration: none; }
.topbar a:hover { color: var(--white); text-decoration: underline; }
.topbar-links { display: flex; gap: 20px; white-space: nowrap; }
.topbar-phone { font-weight: 600; }

.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand-mark { width: 46px; height: 46px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1; font-family: var(--font-head); }
.brand-name { font-weight: 700; font-size: 1.3rem; color: var(--navy); }
.brand-sub { font-weight: 600; font-size: .78rem; letter-spacing: .32em; text-transform: uppercase; color: var(--navy); margin-top: 5px; }

.site-nav .nav-list { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.site-nav li { margin: 0; }
.site-nav a, .nav-group-label {
  display: block; padding: 10px 14px; font-family: var(--font-head); font-weight: 600; font-size: .98rem;
  color: var(--navy); text-decoration: none; border-radius: 8px;
}
.site-nav a:hover, .nav-group:hover .nav-group-label { background: var(--soft); color: var(--navy); }
.site-nav a[aria-current="page"] { color: var(--red); }
.nav-group { position: relative; }
.nav-group-label { cursor: default; }
.nav-group-label::after { content: ""; display: inline-block; width: 7px; height: 7px; margin-left: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-3px) rotate(45deg); }
.nav-group[data-active="true"] .nav-group-label { color: var(--red); }
.nav-sub {
  display: none; position: absolute; top: 100%; left: 0; z-index: 60; min-width: 460px;
  grid-template-columns: 1fr 1fr; gap: 2px; list-style: none; margin: 0; padding: 10px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
}
.nav-group:hover .nav-sub, .nav-group:focus-within .nav-sub { display: grid; }
.nav-sub a { font-family: var(--font-body); font-weight: 500; }
.nav-cta { margin-left: 8px; }
.site-nav .nav-cta a.btn { padding: .7em 1.15em; color: var(--white); border-radius: 999px; }
.site-nav .nav-cta a.btn:hover { background: var(--red-dark); }
.menu-toggle { display: none; }

@media (max-width: 940px) {
  .topbar-note { display: none; }
  .topbar-inner { justify-content: flex-end; }
  .menu-toggle {
    display: inline-flex; align-items: center; gap: 10px; background: none; border: 2px solid var(--line);
    border-radius: 999px; padding: 8px 14px; font: 600 .95rem var(--font-head); color: var(--navy); cursor: pointer;
  }
  .menu-bars, .menu-bars::before, .menu-bars::after { display: block; width: 18px; height: 2px; background: var(--navy); position: relative; }
  .menu-bars::before, .menu-bars::after { content: ""; position: absolute; left: 0; }
  .menu-bars::before { top: -6px; }
  .menu-bars::after { top: 6px; }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); box-shadow: var(--shadow); max-height: calc(100vh - 110px); overflow-y: auto; }
  .site-header.menu-open .site-nav { display: block; }
  .site-nav .nav-list { flex-direction: column; align-items: stretch; padding: 10px 16px 18px; gap: 0; }
  .nav-group-label { color: var(--muted); font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; padding-top: 14px; }
  .nav-group-label::after { display: none; }
  .nav-group:hover .nav-group-label { background: none; }
  .nav-sub { display: grid; position: static; min-width: 0; box-shadow: none; border: 0; padding: 0 0 6px; grid-template-columns: 1fr 1fr; }
  .nav-cta { margin: 10px 0 0; }
  .site-nav .nav-cta a.btn { display: flex; }
}
@media (max-width: 420px) {
  .nav-sub { grid-template-columns: 1fr; }
  .brand-name { font-size: 1.12rem; }
  .brand-mark { width: 40px; height: 40px; }
}

/* Hero */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--cream); padding: 84px 0 92px; }
.hero::before, .hero::after { content: ""; position: absolute; pointer-events: none; transform: rotate(45deg); }
.hero::before { width: 440px; height: 440px; right: 4%; top: -250px; border-right: 54px solid rgba(255, 255, 255, .04); border-bottom: 54px solid rgba(255, 255, 255, .04); }
.hero::after { width: 440px; height: 440px; right: calc(4% + 20px); top: -150px; border-right: 3px solid var(--red); border-bottom: 3px solid var(--red); }
@media (max-width: 1180px) { .hero::before { right: -150px; } .hero::after { right: -130px; } }
@media (max-width: 760px) { .hero::before { opacity: .5; right: -220px; } .hero::after { display: none; } }
.hero .wrap { position: relative; z-index: 1; }
.hero h1 { color: var(--white); max-width: 15em; }
.hero h1 .accent { color: #f0b9c0; }
.eyebrow { font-family: var(--font-head); font-weight: 600; font-size: .85rem; letter-spacing: .14em; text-transform: uppercase; color: #e8a1aa; margin: 0 0 14px; }
.hero-lede { font-size: 1.18rem; max-width: 36em; color: #dfe6e8; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 26px; list-style: none; padding: 0; margin: 34px 0 0; color: #cfd9dc; font-size: .95rem; }
.hero-trust li { display: flex; align-items: center; gap: 8px; margin: 0; }
.hero-trust li::before { content: ""; width: 16px; height: 9px; border-left: 2.5px solid #e8a1aa; border-bottom: 2.5px solid #e8a1aa; transform: rotate(-45deg) translateY(-3px); flex: none; }

/* Inner page hero */
.page-hero { background: var(--soft); border-bottom: 1px solid var(--line); padding: 44px 0 46px; }
.page-hero h1 { margin-bottom: .35em; }
.page-hero .lede { font-size: 1.15rem; color: #34464e; max-width: 46em; margin-bottom: 0; }
.crumbs { font-size: .88rem; color: var(--muted); margin: 0 0 14px; }
.crumbs a { color: var(--muted); }
.crumbs span[aria-hidden] { margin: 0 6px; }

/* Sections */
.section { padding: 72px 0; }
.section-tight { padding: 48px 0; }
.section-soft { background: var(--soft); }
.section-head { max-width: 760px; margin: 0 0 34px; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.section-navy { background: var(--navy); color: var(--cream); }
.section-navy h2, .section-navy h3 { color: var(--white); }

/* Cards */
.cards { display: grid; gap: 18px; }
.cards-4 { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.cards-3 { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 20px; }
.card h3 { margin-bottom: .35em; }
.card p:last-child { margin-bottom: 0; }
.card-link { display: flex; flex-direction: column; text-decoration: none; color: var(--ink); transition: border-color .15s, box-shadow .15s, transform .15s; }
.card-link:hover { border-color: #b9c5c9; box-shadow: var(--shadow); transform: translateY(-2px); color: var(--ink); }
.card-title { font-family: var(--font-head); font-weight: 600; font-size: 1.12rem; color: var(--navy); margin-bottom: 6px; }
.card-text { color: var(--muted); font-size: .97rem; flex: 1; }
.card-more { margin-top: 14px; font-weight: 600; font-size: .92rem; color: var(--red); }
.card-more::after { content: " \2192"; }

/* Value grid */
.values { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 28px 34px; }
.value h3 { display: flex; align-items: center; gap: 10px; }
.value h3::before { content: ""; width: 10px; height: 10px; border-radius: 2px; background: var(--red); transform: rotate(45deg); flex: none; }
.value p { color: #3c4e56; margin: 0; }

/* Steps */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; }
.steps li { counter-increment: step; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; margin: 0; }
.steps li::before { content: counter(step); display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--cream); font: 700 1rem var(--font-head); margin-bottom: 12px; }
.steps h3 { margin-bottom: .3em; }
.steps p { margin: 0; color: #3c4e56; }

/* Split layout */
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 28px; } }

/* Andrew card */
.person { display: grid; grid-template-columns: 120px 1fr; gap: 22px; align-items: start; }
.person-photo { width: 120px; height: 120px; border-radius: 50%; background: var(--navy); color: var(--cream); display: grid; place-items: center; font: 700 2.2rem var(--font-head); overflow: hidden; }
.person-photo img { width: 100%; height: 100%; object-fit: cover; }
.person h3 { margin-bottom: .2em; }
.person .role { color: var(--muted); margin: 0 0 .6em; }
@media (max-width: 520px) { .person { grid-template-columns: 1fr; } }

/* Prose for service and guide pages */
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.3em; }
.prose > :first-child { margin-top: 0; }
.prose ul li::marker { color: var(--red); }
.content-grid { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 56px; align-items: start; }
.aside { position: sticky; top: 100px; }
.aside .card { box-shadow: var(--shadow); }
.aside .btn { width: 100%; margin-top: 10px; }
@media (max-width: 960px) { .content-grid { grid-template-columns: 1fr; } .aside { position: static; } }

.callout { border-left: 4px solid var(--red); background: #fbf3f4; padding: 18px 22px; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.6em 0; }
.callout p:last-child { margin-bottom: 0; }
.callout-title { font-family: var(--font-head); font-weight: 600; color: var(--navy); margin-bottom: .3em; }

table { width: 100%; border-collapse: collapse; margin: 1.2em 0 1.6em; font-size: .97rem; }
th, td { text-align: left; padding: 11px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-family: var(--font-head); font-weight: 600; color: var(--navy); background: var(--soft); }
.table-scroll { overflow-x: auto; }

/* FAQ */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 18px 40px 18px 0; position: relative; font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 1.05rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; font-weight: 400; color: var(--red); }
.faq details[open] summary::after { content: "\2212"; }
.faq-a { padding: 0 0 18px; color: #34464e; }
.faq-a p:last-child { margin-bottom: 0; }

/* CTA band */
.cta-band { background: var(--navy); color: var(--cream); padding: 56px 0; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; width: 300px; height: 300px; right: 6%; top: -220px; transform: rotate(45deg); border-right: 3px solid var(--red); border-bottom: 3px solid var(--red); }
@media (max-width: 760px) { .cta-band::after { display: none; } }
.cta-band h2 { color: var(--white); margin-bottom: .3em; }
.cta-band p { color: #d6dfe2; max-width: 40em; }
.cta-band .wrap { position: relative; z-index: 1; }

/* Carriers */
.carriers { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 0; }
.carriers li { margin: 0; padding: 8px 14px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); font-size: .93rem; font-weight: 500; color: var(--navy); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 18px; }
.contact-card { text-align: left; }
.contact-card .big { font-family: var(--font-head); font-weight: 700; font-size: 1.3rem; color: var(--navy); text-decoration: none; display: inline-block; margin: 4px 0 6px; word-break: break-word; }
.contact-card .big:hover { color: var(--red); }
.contact-card .big-email { font-size: 1.02rem; word-break: normal; overflow-wrap: anywhere; }

/* Embeds */
.embed { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--white); }
.embed iframe { display: block; width: 100%; height: 1150px; border: 0; }
.embed-short iframe { height: 760px; }

/* Footer */
.site-footer { background: #06141b; color: #c9d4d7; padding: 56px 0 26px; font-size: .95rem; }
.site-footer a { color: #e6ecee; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: 34px; }
.footer-name { font-family: var(--font-head); font-weight: 700; font-size: 1.2rem; color: var(--white); margin-bottom: .5em; }
.footer-head { font-family: var(--font-head); font-weight: 600; color: var(--white); margin-bottom: .7em; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .55em; }
.footer-licensed { color: #9fb0b5; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 38px; padding-top: 20px; font-size: .82rem; color: #8ea1a7; }
.footer-legal p { margin: 0; max-width: 70em; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }

@media (max-width: 640px) {
  body { font-size: 16.5px; }
  .hero { padding: 56px 0 64px; }
  .section { padding: 54px 0; }
  .btn-row .btn { flex: 1 1 100%; }
}