/* Road Wise — Gallagher/ajg.ie inspired advertorial */
:root {
  --navy: #0b3a6e;
  --navy-deep: #072a52;
  --navy-soft: #1a4f8a;
  --blue: #1460b0;
  --orange: #f36c00;
  --orange-hover: #d95f00;
  --ink: #1f2933;
  --ink-soft: #3e4c59;
  --muted: #6b7785;
  --line: #e4e8ee;
  --wash: #f4f6f9;
  --surface: #ffffff;
  --max: 1120px;
  --font: "Manrope", system-ui, sans-serif;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow: 0 12px 40px rgba(7, 42, 82, 0.1);
  --ease: cubic-bezier(0.25, 0.8, 0.25, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink-soft);
  background: var(--wash);
  min-height: 100vh;
  overflow-x: hidden;
}

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

a {
  color: var(--blue);
  text-decoration-thickness: 1.25px;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--navy);
}

.ad-label {
  display: none;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: var(--navy);
}

.brand-logo {
  width: 2.35rem;
  height: 2.35rem;
  border-radius: 10px;
  flex-shrink: 0;
  display: block;
}

.footer-brand .brand-logo {
  width: 2.1rem;
  height: 2.1rem;
}

.brand-text {
  font-weight: 800;
  font-size: 1.2rem;
  letter-spacing: -0.03em;
  line-height: 1;
}

.page {
  min-height: 100vh;
}

.shell {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.15rem 2.5rem;
}

@media (min-width: 800px) {
  .shell {
    padding: 0 1.5rem 3.25rem;
  }
}

/* —— topbar —— */
.topbar-wrap {
  background: var(--surface);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 40;
}

.topbar {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0.85rem 1.15rem;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1rem;
}

.nav {
  display: none;
  justify-content: center;
  gap: 1.4rem;
}

.nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-size: 0.92rem;
  font-weight: 600;
}

.nav a:hover {
  color: var(--navy);
}

.top-cta {
  display: none;
  background: var(--orange);
  color: #fff !important;
  text-decoration: none !important;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  padding: 0.72rem 1.1rem;
  border-radius: 4px;
  transition: background 0.2s var(--ease);
}

.top-cta:hover {
  background: var(--orange-hover);
}

.nav-toggle {
  width: 2.4rem;
  height: 2.4rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  display: grid;
  place-items: center;
  gap: 5px;
  cursor: pointer;
  justify-self: end;
}

.nav-toggle span {
  display: block;
  width: 1.05rem;
  height: 2px;
  background: var(--navy);
}

.mobile-nav {
  display: none;
  gap: 0.35rem;
  padding: 0 1.15rem 1rem;
  max-width: var(--max);
  margin: 0 auto;
  border-top: 1px solid var(--line);
}

.mobile-nav.is-open {
  display: grid;
}

.mobile-nav a {
  text-decoration: none;
  color: var(--ink);
  font-weight: 600;
  padding: 0.65rem 0.2rem;
}

@media (min-width: 900px) {
  .nav {
    display: flex;
  }
  .top-cta {
    display: inline-flex;
  }
  .nav-toggle {
    display: none;
  }
  .mobile-nav,
  .mobile-nav.is-open {
    display: none !important;
  }
}

/* —— hero —— */
.hero {
  position: relative;
  margin: 1.25rem 0 2rem;
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-height: clamp(280px, 42vw, 460px);
  background: var(--navy-deep);
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
}

.hero-media {
  position: absolute;
  inset: 0;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-shade {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(7, 42, 82, 0.88) 0%, rgba(7, 42, 82, 0.55) 48%, rgba(7, 42, 82, 0.2) 100%),
    linear-gradient(180deg, rgba(7, 42, 82, 0.15) 0%, rgba(7, 42, 82, 0.45) 100%);
}

.hero-copy {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  width: 100%;
  max-width: 38rem;
  padding: clamp(2.25rem, 5.5vw, 3.75rem) clamp(1.4rem, 4.5vw, 3.25rem);
  color: #fff;
}

.hero-badge {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.5rem;
  margin: 0 0 1.65rem;
  max-width: 24rem;
}

.hero-badge-label {
  display: inline-block;
  font-size: 0.64rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-deep);
  background: rgba(255, 255, 255, 0.94);
  border-radius: 999px;
  padding: 0.32rem 0.75rem;
}

.hero-badge-text {
  font-size: 0.76rem;
  line-height: 1.45;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.76);
}

.hero-titles {
  margin: 0 0 1.75rem;
}

.hero h1 {
  margin: 0 0 0.45rem;
  font-size: clamp(2.65rem, 6.4vw, 4.25rem);
  line-height: 0.96;
  letter-spacing: -0.045em;
  color: #fff;
  font-weight: 800;
}

.hero-sub {
  margin: 0;
  font-size: clamp(1.2rem, 2.4vw, 1.6rem);
  line-height: 1.28;
  font-weight: 500;
  letter-spacing: -0.02em;
  color: rgba(255, 255, 255, 0.93);
}

.hero-cta {
  padding: 1rem 1.8rem;
  font-size: 0.95rem;
  letter-spacing: 0.045em;
}

/* —— buttons —— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.85rem 1.35rem;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.92rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  text-decoration: none !important;
  border: none;
  cursor: pointer;
  transition: background 0.2s var(--ease), transform 0.2s var(--ease);
}

.btn-orange {
  background: var(--orange);
  color: #fff !important;
}

.btn-orange:hover {
  background: var(--orange-hover);
}

.btn-navy {
  background: var(--navy);
  color: #fff !important;
}

.btn-navy:hover {
  background: var(--navy-deep);
}

.btn-ghost {
  background: transparent;
  color: var(--navy) !important;
  border: 1.5px solid var(--navy);
}

/* —— article —— */
.story {
  padding-bottom: 1rem;
}

.section {
  margin: 0 0 2.35rem;
}

.section h2 {
  margin: 0 0 0.85rem;
  color: var(--navy);
  font-size: clamp(1.45rem, 2.6vw, 1.85rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  font-weight: 800;
}

.section h3 {
  margin: 1.35rem 0 0.55rem;
  color: var(--navy-deep);
  font-size: 1.12rem;
  font-weight: 750;
}

.section p {
  margin: 0 0 0.95rem;
}

.lead-copy {
  max-width: 42rem;
}

.lead-copy p {
  margin: 0 0 0.95rem;
}

.check-list {
  list-style: none;
  margin: 0.85rem 0 1.25rem;
  padding: 0;
  display: grid;
  gap: 0.55rem;
}

.check-list li {
  position: relative;
  padding-left: 1.65rem;
  color: var(--ink);
  font-weight: 500;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.35rem;
  width: 0.95rem;
  height: 0.95rem;
  border-radius: 50%;
  background: var(--navy);
  box-shadow: inset 0 0 0 2px var(--navy);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='2.2' d='M3.5 8.2l2.8 2.8 6-6'/%3E%3C/svg%3E");
  background-size: 70%;
  background-repeat: no-repeat;
  background-position: center;
}

.cover-grid {
  display: grid;
  gap: 1rem;
  margin-top: 1rem;
}

@media (min-width: 760px) {
  .cover-grid {
    grid-template-columns: 1fr 1fr;
    align-items: stretch;
  }
}

.cover-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.35rem 1.25rem 1.4rem;
  box-shadow: 0 6px 20px rgba(7, 42, 82, 0.04);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.cover-label {
  margin: 0 0 0.45rem;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--orange);
}

.cover-card h3 {
  margin: 0 0 0.55rem;
  color: var(--navy);
  font-size: 1.2rem;
}

.cover-card p:last-child {
  margin-bottom: 0;
  flex: 1;
}

.cover-cta {
  margin-top: 1.35rem;
  display: flex;
  justify-content: center;
}

.note {
  font-size: 0.95rem;
  color: var(--muted);
  font-style: italic;
}

.split-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3.5vw, 2.25rem);
  margin: 2rem 0;
}

.split-band h2 {
  color: #fff;
  margin-bottom: 0.65rem;
}

.split-band p {
  color: rgba(255, 255, 255, 0.9);
}

.split-band .btn {
  margin-top: 0.35rem;
}

.cta-inline {
  margin: 1rem 0 0;
}

/* —— FAQ —— */
.faq-list {
  display: grid;
  gap: 0.65rem;
}

.faq-item {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 1rem 1.15rem;
  font-weight: 700;
  color: var(--navy);
  position: relative;
  padding-right: 2.5rem;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 1.1rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.25rem;
  color: var(--orange);
  font-weight: 700;
}

.faq-item[open] summary::after {
  content: "–";
}

.faq-item p {
  margin: 0;
  padding: 0 1.15rem 1.1rem;
  color: var(--ink-soft);
}

/* —— final CTA —— */
.cta-final {
  text-align: left;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  box-shadow: var(--shadow);
}

.cta-final h2 {
  margin-top: 0;
}

.disclaimer {
  margin-top: 1.1rem;
  font-size: 0.88rem;
  color: var(--muted);
  font-style: italic;
}

/* —— legal pages —— */
.legal-shell {
  padding: 1.75rem 0 2rem;
}

.legal-page h1 {
  margin: 0 0 1rem;
  color: var(--navy);
  font-size: clamp(1.7rem, 3vw, 2.2rem);
}

.legal-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.25rem, 3vw, 2rem);
}

.legal-card h2 {
  color: var(--navy);
  font-size: 1.2rem;
  margin: 1.5rem 0 0.55rem;
}

.legal-card h3 {
  color: var(--navy-deep);
  font-size: 1.05rem;
  margin: 1.15rem 0 0.4rem;
}

.kicker {
  margin: 0 0 0.4rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--orange);
}

/* —— footer —— */
.site-footer {
  margin-top: 2rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--line);
}

.footer-top {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.15rem;
}

.footer-nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-weight: 600;
  font-size: 0.92rem;
}

.footer-disclosures {
  display: grid;
  gap: 1.15rem;
}

.footer-disc {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.15rem;
}

.footer-disc h3 {
  margin: 0 0 0.5rem;
  color: var(--navy);
  font-size: 0.95rem;
}

.footer-disc p {
  margin: 0 0 0.65rem;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.55;
}

.footer-disc p:last-child {
  margin-bottom: 0;
}

.footer-bottom {
  margin-top: 1.25rem;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}

.footer-copy,
.footer-note {
  margin: 0 0 0.4rem;
  font-size: 0.85rem;
  color: var(--muted);
}

/* —— cookie —— */
.cookie-bar {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 90;
  max-width: 520px;
  margin: 0 auto;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1rem 1.1rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
  justify-content: space-between;
}

.cookie-bar[hidden] {
  display: none !important;
}

.cookie-bar p {
  margin: 0;
  font-size: 0.88rem;
  color: var(--ink-soft);
  flex: 1 1 220px;
}

.cookie-bar button {
  background: var(--navy);
  color: #fff;
  border: none;
  border-radius: 4px;
  padding: 0.65rem 1rem;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
}

/* —— motion —— */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.55s var(--ease), transform 0.55s var(--ease);
}

.reveal.is-in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}