/* Coverage Gap Report — FL Condo/HOA lead-gen (thecoveragegapreport.com) */
:root {
  --navy: #0f2744;
  --navy-mid: #1a3a5c;
  --accent: #f0b429;
  --accent-dark: #d49a12;
  --sand: #f7f4ef;
  --card: #ffffff;
  --text: #1c2a3a;
  --muted: #5a6b7d;
  --border: #e2e8f0;
  --ok: #0d7a4f;
  --warn-bg: #fff8e6;
  --radius: 10px;
  --shadow: 0 8px 28px rgba(15, 39, 68, 0.08);
  --font: "Segoe UI", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--sand);
  line-height: 1.55;
  font-size: 1.05rem;
}
a { color: var(--navy-mid); }
img { max-width: 100%; height: auto; }

.wrap {
  width: min(1080px, calc(100% - 2rem));
  margin-inline: auto;
}

/* Header */
header.site {
  background: var(--navy);
  color: #fff;
  padding: 0.85rem 0;
  position: sticky;
  top: 0;
  z-index: 30;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.logo {
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #fff;
  text-decoration: none;
  font-size: 1.05rem;
}
.logo span { color: var(--accent); }
.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.1rem;
  align-items: center;
  font-size: 0.92rem;
}
.nav-links a {
  color: rgba(255,255,255,0.88);
  text-decoration: none;
}
.nav-links a:hover { color: var(--accent); }
.nav-cta {
  background: var(--accent);
  color: var(--navy) !important;
  font-weight: 700;
  padding: 0.45rem 0.9rem;
  border-radius: 6px;
}
.nav-cta:hover { background: #ffc94d; color: var(--navy) !important; }

/* Hero */
.hero {
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-mid) 55%, #234e76 100%);
  color: #fff;
  padding: 3rem 0 3.5rem;
}
.hero-grid {
  display: grid;
  gap: 2rem;
  align-items: start;
}
@media (min-width: 860px) {
  .hero-grid { grid-template-columns: 1.2fr 0.9fr; }
}
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 0.75rem;
}
h1 {
  font-size: clamp(1.65rem, 4vw, 2.35rem);
  line-height: 1.2;
  margin: 0 0 1rem;
  letter-spacing: -0.02em;
}
.hero .lead {
  font-size: 1.1rem;
  opacity: 0.92;
  margin: 0 0 1.5rem;
  max-width: 36rem;
}
.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.7rem 1.15rem;
  border-radius: 8px;
  font-weight: 700;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 0.98rem;
}
.btn-primary {
  background: var(--accent);
  color: var(--navy);
}
.btn-primary:hover { background: #ffc94d; }
.btn-secondary {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.45);
}
.btn-secondary:hover { border-color: #fff; background: rgba(255,255,255,0.06); }
.btn-dark {
  background: var(--navy);
  color: #fff;
}
.btn-dark:hover { background: var(--navy-mid); }
.btn-outline {
  background: #fff;
  color: var(--navy);
  border-color: var(--border);
}
.btn-outline:hover { border-color: var(--navy); }
.btn-disabled {
  background: #c5ced8;
  color: #3a4a5a;
  cursor: not-allowed;
  pointer-events: none;
}
.todo-badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: #ffe08a;
  color: #5a4200;
  padding: 0.15rem 0.45rem;
  border-radius: 4px;
  margin-left: 0.35rem;
  vertical-align: middle;
}
.fine {
  font-size: 0.85rem;
  opacity: 0.85;
  margin-top: 0.85rem;
}

.hero-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius);
  padding: 1.25rem 1.35rem;
  backdrop-filter: blur(6px);
}
.hero-card h2 {
  margin: 0 0 0.75rem;
  font-size: 1.05rem;
  color: var(--accent);
}
.hero-card ol {
  margin: 0;
  padding-left: 1.2rem;
}
.hero-card li { margin-bottom: 0.45rem; font-size: 0.95rem; }

/* Sections */
section {
  padding: 3rem 0;
}
section.alt { background: #fff; }
h2 {
  font-size: clamp(1.35rem, 2.5vw, 1.75rem);
  margin: 0 0 0.75rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}
h3 {
  font-size: 1.1rem;
  margin: 0 0 0.5rem;
  color: var(--navy);
}
.section-lead {
  color: var(--muted);
  max-width: 40rem;
  margin: 0 0 1.75rem;
}

.grid-3 {
  display: grid;
  gap: 1.1rem;
}
@media (min-width: 720px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
}
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
  box-shadow: var(--shadow);
}
section.alt .card {
  background: var(--sand);
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.check-list li {
  position: relative;
  padding: 0.55rem 0 0.55rem 1.85rem;
  border-bottom: 1px solid var(--border);
}
.check-list li:last-child { border-bottom: none; }
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 50%;
  background: #e6f5ee;
  color: var(--ok);
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

.compare {
  display: grid;
  gap: 1rem;
}
@media (min-width: 700px) {
  .compare { grid-template-columns: 1fr 1fr; }
}
.compare .card h3 { display: flex; align-items: center; gap: 0.5rem; }
.tag {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.2rem 0.45rem;
  border-radius: 4px;
}
.tag-flood { background: #dbeafe; color: #1e40af; }
.tag-wind { background: #fce7f3; color: #9d174d; }

.faq details {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  margin-bottom: 0.65rem;
}
.faq summary {
  font-weight: 700;
  cursor: pointer;
  color: var(--navy);
}
.faq details p {
  margin: 0.65rem 0 0;
  color: var(--muted);
  font-size: 0.98rem;
}

/* CTA bands */
.band {
  background: var(--navy);
  color: #fff;
  padding: 2.25rem 0;
}
.band .inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  align-items: center;
  justify-content: space-between;
}
.band h2 { color: #fff; margin: 0 0 0.35rem; }
.band p { margin: 0; opacity: 0.9; max-width: 32rem; }
.band-soft {
  background: var(--warn-bg);
  border-block: 1px solid #f0d78c;
  padding: 2rem 0;
}
.band-soft h2 { margin-bottom: 0.4rem; }

/* Footer */
footer.site {
  background: #0a1a2e;
  color: rgba(255,255,255,0.78);
  padding: 2.25rem 0 2.75rem;
  font-size: 0.9rem;
}
footer.site a { color: var(--accent); }
.disclaimer {
  max-width: 48rem;
  line-height: 1.5;
}
.disclaimer strong { color: #fff; }
.footer-meta {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  font-size: 0.82rem;
}