/* ================================================
   MAPLERIDGE UNDERWRITING – STYLESHEET
   Palette: Deep mahogany, warm amber gold, parchment, slate
   ================================================ */

:root {
  --mahogany: #3B1F0F;
  --mahogany-mid: #5C2E12;
  --amber: #B8832A;
  --amber-light: #D4A550;
  --parchment: #F7F3ED;
  --parchment-mid: #EDE5D8;
  --charcoal: #2A2420;
  --slate: #6B5F55;
  --white: #FFFFFF;
  --border: rgba(184, 131, 42, 0.25);

  --font-display: 'Georgia', 'Times New Roman', serif;
  --font-body: 'Palatino Linotype', 'Palatino', 'Book Antiqua', Georgia, serif;
  --font-ui: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --max-width: 1160px;
  --section-pad: 80px 24px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.7;
  font-size: 16.5px;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ── CONTAINER ─────────────────────── */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

/* ── TYPOGRAPHY ─────────────────────── */
h1, h2, h3 { font-family: var(--font-display); font-weight: normal; line-height: 1.2; color: var(--mahogany); }
h1 { font-size: clamp(2.2rem, 4.5vw, 3.6rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); letter-spacing: -0.01em; }
h3 { font-size: 1.2rem; margin-bottom: 0.6rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.section-eyebrow {
  font-family: var(--font-ui);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 0.6rem;
}
.centered { text-align: center; }

/* ── BUTTONS ─────────────────────── */
.btn {
  display: inline-block;
  font-family: var(--font-ui);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 14px 32px;
  border-radius: 2px;
  transition: all 0.2s ease;
  cursor: pointer;
  border: none;
}
.btn-primary {
  background: var(--mahogany);
  color: var(--amber-light);
}
.btn-primary:hover { background: var(--mahogany-mid); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.5);
}
.btn-outline:hover { border-color: var(--amber-light); color: var(--amber-light); }

.btn-outline-dark {
  background: transparent;
  color: var(--mahogany);
  border: 1.5px solid var(--mahogany);
}
.btn-outline-dark:hover { background: var(--mahogany); color: var(--amber-light); }

/* ── NAV ─────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--mahogany);
  border-bottom: 2px solid var(--amber);
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo img { height: 52px; width: auto; }
.nav-links {
  display: flex;
  gap: 40px;
  align-items: center;
}
.nav-links a {
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(247,243,237,0.75);
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--amber-light); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--parchment);
  font-size: 1.5rem;
  cursor: pointer;
}

/* ── HERO ─────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--mahogany) 0%, #2A1508 60%, #1C0D04 100%);
  padding: 110px 24px 90px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(184,131,42,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1rem;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  color: var(--parchment);
  font-weight: normal;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1.4rem;
}
.hero-sub {
  color: rgba(247,243,237,0.6);
  font-size: 1rem;
  letter-spacing: 0.02em;
  margin-bottom: 2.4rem;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-divider {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--amber) 0%, var(--amber-light) 50%, var(--amber) 100%);
}

/* ── INTRO STRIP ─────────────────────── */
.intro-strip {
  background: var(--parchment-mid);
  padding: 48px 24px;
  border-bottom: 1px solid var(--border);
}
.intro-strip p {
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
  font-size: 1.1rem;
  color: var(--slate);
  line-height: 1.8;
}

/* ── PRODUCT FEATURE ─────────────────────── */
.product-feature {
  padding: var(--section-pad);
  background: var(--white);
}
.product-feature-inner {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 70px;
  align-items: center;
}
.product-feature-image img {
  width: 240px;
  margin: 0 auto;
  filter: drop-shadow(0 8px 30px rgba(59,31,15,0.2));
}
.product-feature-content h2 { margin-bottom: 1rem; }
.product-feature-content p { color: var(--slate); margin-bottom: 1.6rem; }

/* ── KEY SECTIONS / CARDS ─────────────────────── */
.key-sections {
  padding: var(--section-pad);
  background: var(--parchment);
}
.key-sections h2 { margin-bottom: 2.4rem; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 36px 28px;
  border-top: 3px solid var(--amber);
  transition: box-shadow 0.2s;
}
.card:hover { box-shadow: 0 6px 24px rgba(59,31,15,0.1); }
.card-icon {
  color: var(--amber);
  font-size: 0.7rem;
  margin-bottom: 1rem;
  letter-spacing: 0.2em;
}
.card h3 { color: var(--mahogany); margin-bottom: 0.8rem; }
.card p, .card li { color: var(--slate); font-size: 0.96rem; line-height: 1.7; }

.policy-list {
  list-style: none;
  padding: 0;
}
.policy-list li {
  padding: 6px 0;
  padding-left: 16px;
  position: relative;
  color: var(--slate);
  font-size: 0.93rem;
}
.policy-list li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--amber);
}

/* ── CLAIMS ─────────────────────── */
.claims-section {
  padding: var(--section-pad);
  background: var(--mahogany);
}
.claims-inner {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 70px;
  align-items: center;
}
.claims-content .section-eyebrow { color: var(--amber-light); }
.claims-content h2 { color: var(--parchment); margin-bottom: 1rem; }
.claims-content p { color: rgba(247,243,237,0.72); margin-bottom: 1rem; }
.claims-content .btn-outline-dark {
  border-color: var(--amber-light);
  color: var(--amber-light);
  margin-top: 0.8rem;
}
.claims-content .btn-outline-dark:hover { background: var(--amber-light); color: var(--mahogany); }

.claims-aside {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.claims-stat {
  border-left: 3px solid var(--amber);
  padding-left: 20px;
}
.stat-number {
  display: block;
  font-family: var(--font-display);
  font-size: 2.4rem;
  color: var(--amber-light);
  line-height: 1;
  margin-bottom: 4px;
}
.stat-label {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  color: rgba(247,243,237,0.55);
  text-transform: uppercase;
}

/* ── DOWNLOADS ─────────────────────── */
.downloads-section {
  padding: var(--section-pad);
  background: var(--white);
}
.downloads-section h2 { margin-bottom: 2.4rem; }
.downloads-grid {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 40px;
}
.download-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 32px 40px;
  border: 1.5px solid var(--border);
  background: var(--parchment);
  transition: all 0.2s;
  min-width: 180px;
}
.download-item:hover {
  border-color: var(--amber);
  background: var(--parchment-mid);
}
.download-icon {
  font-size: 2rem;
  color: var(--amber);
}
.download-label {
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--mahogany);
}

/* ── PAGE HEADER ─────────────────────── */
.page-header {
  background: linear-gradient(135deg, var(--mahogany) 0%, #2A1508 100%);
  padding: 80px 24px 70px;
  border-bottom: 3px solid var(--amber);
}
.page-header .section-eyebrow { color: var(--amber-light); }
.page-header h1 { color: var(--parchment); }
.page-header-sub {
  color: rgba(247,243,237,0.65);
  font-size: 1rem;
  max-width: 600px;
  margin-top: 0.8rem;
}

.labourguard-header { padding: 70px 24px; }
.labourguard-header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.labourguard-shield img {
  width: 200px;
  filter: drop-shadow(0 0 40px rgba(184,131,42,0.3));
}

/* ── ABOUT ─────────────────────── */
.about-intro { padding: var(--section-pad); background: var(--white); }
.about-intro-inner {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 60px;
  align-items: start;
}
.about-text h2 { margin-bottom: 1rem; }
.about-text p { color: var(--slate); }

.badge-box {
  background: var(--mahogany);
  border: 2px solid var(--amber);
  padding: 32px 28px;
  text-align: center;
}
.badge-top {
  font-family: var(--font-ui);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(247,243,237,0.5);
  margin-bottom: 6px;
}
.badge-main {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--parchment);
  margin-bottom: 12px;
}
.badge-rating {
  font-family: var(--font-ui);
  font-size: 0.85rem;
  color: var(--amber-light);
}
.badge-rating strong { font-size: 1.4rem; display: block; margin-top: 4px; color: var(--amber-light); }

.expertise-section { padding: var(--section-pad); background: var(--parchment); }
.expertise-section h2 { margin-bottom: 2.4rem; }
.expertise-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.expertise-item {
  border-left: 3px solid var(--amber);
  padding-left: 24px;
}
.expertise-item h3 { color: var(--mahogany); margin-bottom: 0.5rem; }
.expertise-item p { color: var(--slate); font-size: 0.96rem; }

.leadership-section { padding: var(--section-pad); background: var(--white); }
.leadership-section h2 { margin-bottom: 2.4rem; }
.leader-card {
  max-width: 800px;
  margin: 48px auto 0;
  border: 1px solid var(--border);
  border-top: 4px solid var(--amber);
  padding: 44px 40px;
  background: var(--parchment);
}
.leader-info h3 { font-size: 1.6rem; margin-bottom: 4px; }
.leader-title {
  font-family: var(--font-ui);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1.2rem;
}
.leader-info p { color: var(--slate); margin-bottom: 0.9rem; }

/* ── POLICY OVERVIEW ─────────────────────── */
.policy-overview {
  background: var(--parchment-mid);
  padding: 48px 24px;
  border-bottom: 1px solid var(--border);
}
.policy-overview p {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
  font-size: 1.05rem;
  color: var(--slate);
  line-height: 1.8;
}

/* ── WHO IS COVERED ─────────────────────── */
.who-covered { padding: var(--section-pad); background: var(--white); }
.who-covered h2 { margin-bottom: 2.4rem; }
.covered-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 48px;
}
.covered-item {
  background: var(--parchment);
  border: 1px solid var(--border);
  border-left: 4px solid var(--amber);
  padding: 20px 24px;
  font-family: var(--font-ui);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--mahogany);
  letter-spacing: 0.03em;
}

/* ── CONTACT ─────────────────────── */
.contact-section { padding: var(--section-pad); background: var(--white); }
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 70px;
  align-items: start;
}
.contact-details h2 { margin-bottom: 2rem; }
.contact-person { margin-bottom: 2rem; }
.contact-name {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--mahogany);
  margin-bottom: 2px;
}
.contact-role {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1.2rem;
}
.contact-lines { display: flex; flex-direction: column; gap: 10px; }
.contact-line {
  display: flex;
  align-items: baseline;
  gap: 12px;
}
.contact-label {
  font-family: var(--font-ui);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--slate);
  min-width: 48px;
}
.contact-line a { color: var(--mahogany); transition: color 0.2s; }
.contact-line a:hover { color: var(--amber); }
.lloyds-note {
  margin-top: 2.4rem;
  padding: 20px 20px;
  background: var(--parchment);
  border-left: 3px solid var(--amber);
  font-size: 0.9rem;
  color: var(--slate);
}

.contact-form-wrap h2 { margin-bottom: 2rem; }
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
}
.form-group input,
.form-group select,
.form-group textarea {
  font-family: var(--font-body);
  font-size: 0.96rem;
  color: var(--charcoal);
  background: var(--parchment);
  border: 1.5px solid var(--border);
  padding: 12px 14px;
  border-radius: 2px;
  outline: none;
  transition: border-color 0.2s;
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--amber); background: var(--white); }
.form-group textarea { resize: vertical; line-height: 1.6; }
.contact-form .btn { align-self: flex-start; margin-top: 4px; }

/* ── FOOTER ─────────────────────── */
.footer {
  background: var(--charcoal);
  padding: 56px 24px 36px;
  border-top: 3px solid var(--amber);
}
.footer-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
  text-align: center;
}
.footer-logo { height: 56px; width: auto; filter: brightness(0.9); margin: 0 auto; }
.footer-links {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  justify-content: center;
}
.footer-links a {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(247,243,237,0.5);
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--amber-light); }
.footer-note p {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  color: rgba(247,243,237,0.35);
  margin-bottom: 4px;
  line-height: 1.5;
}

/* ── RESPONSIVE ─────────────────────── */
@media (max-width: 900px) {
  .cards { grid-template-columns: 1fr; }
  .product-feature-inner { grid-template-columns: 1fr; text-align: center; }
  .product-feature-image { display: none; }
  .claims-inner { grid-template-columns: 1fr; }
  .claims-aside { flex-direction: row; flex-wrap: wrap; }
  .about-intro-inner { grid-template-columns: 1fr; }
  .expertise-grid { grid-template-columns: 1fr; }
  .contact-inner { grid-template-columns: 1fr; }
  .labourguard-header-inner { flex-direction: column; }
  .labourguard-shield { display: none; }
  .covered-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--mahogany);
    flex-direction: column;
    gap: 0;
    border-top: 1px solid var(--amber);
    padding: 8px 0;
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 14px 24px; }
  .nav-toggle { display: block; }
  .nav { position: relative; }
  .hero { padding: 70px 24px 60px; }
  .hero-actions { flex-direction: column; }
  .form-row { grid-template-columns: 1fr; }
  .covered-grid { grid-template-columns: 1fr; }
  .footer-links { gap: 20px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}