/* Childers-Harris Insurance Agency: dark navy theme (system font stack, no web-font requests) */
:root{color-scheme:dark;--brand:#3d63d6;--brand-dk:#2f51b8;--brand-lt:#8fb0ff;--ink:#f2f5fb;--text:#c4ccdc;--muted:#97a1b6;--bg:#0a101d;--bg-soft:#0e1627;--surface:#131d31;--surface-2:#18243d;--line:#24314d;--deep:#060a14;--field:#0c1424;--field-line:#2c3a58;--r:14px;--shadow:0 16px 40px rgba(0,0,0,.35)}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;padding-bottom:56px}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand-lt)}
a:hover{color:#b5cbff}
h1,h2,h3{line-height:1.2;color:var(--ink);letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.5vw,2.2rem);font-weight:800;margin-top:1.4em}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
strong{color:var(--ink)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:var(--brand);color:#fff;padding:8px 14px;z-index:99}
.eyebrow{display:block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand-lt);margin-bottom:12px}
.lead{font-size:1.15rem;color:var(--muted)}
.center{text-align:center}
.mt{margin-top:28px}
.small{font-size:.88rem;color:var(--muted)}
/* top bar + header */
.top{background:var(--deep);color:var(--muted);font-size:.85rem}
.top .wrap{display:flex;flex-wrap:wrap;gap:4px 22px;justify-content:flex-end;padding-top:7px;padding-bottom:7px}
.top a{color:var(--ink);text-decoration:none}
@media(max-width:600px){.top{display:none}}
.hdr{position:sticky;top:0;z-index:40;background:rgba(10,16,29,.94);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px;position:relative}
.logo{display:inline-block;background:#fff;padding:6px 11px;border-radius:10px;line-height:0}
.logo img{width:150px;height:auto}
.nav ul{list-style:none;margin:0;padding:0}
.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.96rem}
.nav a[aria-current]{color:var(--brand-lt)}
.menu summary{list-style:none;cursor:pointer;color:var(--ink);padding:8px;display:flex;align-items:center;gap:6px;font-weight:700}
.menu summary span{position:absolute;left:-999px}
.menu summary::-webkit-details-marker{display:none}
.menu[open] ul{position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);padding:6px 20px 16px;box-shadow:var(--shadow)}
.menu li a{display:block;padding:13px 4px;border-bottom:1px solid var(--line)}
.nav-desk{display:none}
@media(min-width:1000px){.menu{display:none}.nav-desk{display:flex;align-items:center;gap:14px}.nav-desk ul{display:flex;gap:4px}.nav-desk ul a{display:block;padding:8px 11px;border-radius:8px}.nav-desk ul a:hover{background:var(--surface)}.logo img{width:190px}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;font-size:1rem;padding:13px 24px;border-radius:999px;border:2px solid var(--brand);text-align:center;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--brand-dk);border-color:var(--brand-dk);color:#fff}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.6);color:#fff}
.btn-ghost:hover{background:#fff;border-color:#fff;color:var(--bg)}
.btn-outline{background:transparent;border-color:var(--brand-lt);color:var(--brand-lt)}
.btn-outline:hover{background:var(--brand-lt);border-color:var(--brand-lt);color:var(--bg)}
.btn-light{background:#fff;border-color:#fff;color:var(--bg)}
.btn-light:hover{background:#e6ecff;border-color:#e6ecff;color:var(--bg)}
.btn-sm{padding:9px 18px;font-size:.92rem}
.btn-block{width:100%}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin:1.2em 0}
/* sections */
.sec{padding:clamp(52px,8vw,92px) 0}
.sec-tight{padding:8px 0 40px}
.sec-soft{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec h2:first-child,.sec-hd h2,.eyebrow+h2,.eyebrow+h1{margin-top:0}
.sec-hd{max-width:700px;margin-bottom:36px}
.sec-hd.center{margin-left:auto;margin-right:auto}
.grid{display:grid;gap:24px}
.g2,.g3{grid-template-columns:1fr}
@media(min-width:700px){.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}}
@media(min-width:700px) and (max-width:900px){.g3{grid-template-columns:1fr 1fr}}
.grid.mid{align-items:center;gap:48px}
.split{display:grid;gap:32px;align-items:center}
@media(min-width:900px){.split{grid-template-columns:1fr 1fr;gap:56px}}
.rounded{border-radius:var(--r);box-shadow:var(--shadow);border:1px solid var(--line)}
/* hero */
.hero{background:radial-gradient(900px 500px at 85% 20%,rgba(61,99,214,.25),transparent 60%),var(--bg);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;gap:36px;align-items:center;padding-top:clamp(40px,7vw,96px);padding-bottom:clamp(44px,7vw,96px)}
@media(min-width:960px){.hero-grid{grid-template-columns:1fr 1.05fr;gap:56px}}
.hero .lead{color:var(--text);max-width:580px}
.badges{display:flex;flex-wrap:wrap;gap:8px 24px;list-style:none;padding:0;margin:24px 0 0;font-size:.92rem;color:var(--muted)}
.badges li::before{content:"\2713";color:var(--brand-lt);font-weight:800;margin-right:8px}
.hero-photo{margin:0}
.hero-photo img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:20px;box-shadow:var(--shadow);border:1px solid var(--line)}
.hero-photo figcaption{margin-top:12px;font-size:.88rem;color:var(--muted);text-align:center}
/* quote */
.qpanel{background:var(--surface-2);border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.qpanel h2{font-size:1.5rem;margin:0 0 4px}
.qpanel>p{color:var(--muted);font-size:.95rem}
@media(max-width:480px){.qpanel{padding:24px 18px}}
.qform{display:grid;gap:16px}
.qrow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.steps{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:18px;counter-reset:step}
.steps li{display:flex;gap:14px;align-items:flex-start;counter-increment:step}
.steps li::before{content:counter(step);flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-weight:800;font-size:.95rem;background:rgba(143,176,255,.12);color:var(--brand-lt)}
.steps strong{display:block}
label,.field label{font-weight:600;font-size:.9rem;display:block;margin-bottom:6px;color:var(--ink)}
input,select,textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid var(--field-line);border-radius:10px;background:var(--field);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--brand-lt);box-shadow:0 0 0 4px rgba(143,176,255,.18)}
::placeholder{color:#6b7690}
/* cards */
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.cards{display:grid;gap:16px;grid-template-columns:1fr;margin:20px 0}
@media(min-width:640px){.cards{grid-template-columns:1fr 1fr}}
.card h3 a{text-decoration:none}
.prod{padding:34px;box-shadow:var(--shadow)}
@media(max-width:480px){.prod{padding:24px 20px}}
.prod h3{font-size:1.45rem;display:flex;align-items:center;gap:12px}
.plist{list-style:none;padding:0;margin:20px 0 26px;display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
.plist li{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--ink)}
.plist a{color:var(--ink)}
@media(max-width:400px){.plist{grid-template-columns:1fr}}
.icon{flex:none;width:40px;height:40px;border-radius:10px;display:grid;place-items:center;background:rgba(143,176,255,.12);color:var(--brand-lt)}
.icon svg{width:22px;height:22px}
.icon-lg{width:52px;height:52px;border-radius:14px}.icon-lg svg{width:28px;height:28px}
/* team */
.portraits{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.portraits img{width:100%;aspect-ratio:3/4;object-fit:cover;object-position:center 15%;border-radius:12px;border:1px solid var(--line)}
.stats{display:grid;grid-template-columns:repeat(3,auto);justify-content:start;gap:20px 36px;margin-top:26px}
@media(max-width:420px){.stats{gap:16px 20px}.stat strong{font-size:1.6rem}.stat span{font-size:.82rem}}
.stat strong{display:block;font-size:2rem;font-weight:800;color:var(--brand-lt);line-height:1.1}
.stat span{font-size:.9rem;color:var(--muted)}
.team-card{padding:0;overflow:hidden}
.team-card img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 15%}
.tc-body{padding:24px}
.role{color:var(--brand-lt);font-weight:700;font-size:.9rem;margin-bottom:10px}
.team-card p{font-size:.97rem}
/* reviews */
.review{margin:0;display:flex;flex-direction:column;gap:14px}
.stars{color:#f5b942;letter-spacing:2px;font-size:1.1rem}
.review blockquote{margin:0;color:var(--ink);font-size:1.02rem}
.review figcaption{font-weight:700;color:var(--ink);font-size:.92rem;margin-top:auto}
.review figcaption span{color:var(--muted);font-weight:600}
.sec .grid+.center{margin-top:32px}
/* carriers: static grid, logos on white tiles */
.carrier-row{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;list-style:none;padding:0;margin:0}
@media(min-width:640px){.carrier-row{grid-template-columns:repeat(4,1fr)}}
.carrier-row li{background:#fff;border-radius:12px;padding:8px 12px;display:grid;place-items:center}
.carrier-row img{width:100%;max-width:190px;height:auto;aspect-ratio:210/75;object-fit:contain}
/* CTA band */
.cta-box{background:linear-gradient(120deg,#2b4fc0 0%,#1a2f78 100%);color:#fff;border-radius:24px;padding:clamp(28px,5vw,52px);display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;border:1px solid rgba(143,176,255,.25);margin:32px 0}
.cta-box h2{color:#fff;margin:0 0 6px}
.cta-box p{margin:0;color:#dbe4ff}
.cta-box a:not(.btn){color:#fff}
.cta-box .btns{margin:0}
.sec .cta-box{margin:0}
/* inner pages */
.page-hd{background:radial-gradient(800px 420px at 85% 0%,rgba(61,99,214,.22),transparent 60%),var(--bg);border-bottom:1px solid var(--line)}
.page-hd .wrap{padding-top:clamp(40px,6vw,76px);padding-bottom:clamp(32px,5vw,56px)}
.page-hd p{max-width:760px;font-size:1.12rem}
.content{max-width:820px;padding-bottom:20px}
main>.wrap{padding-bottom:8px}
main section{scroll-margin-top:84px}
ul.ticks{padding-left:1.2em}ul.ticks li{margin:.35em 0}
ul.ticks li::marker{color:var(--brand-lt)}
details.faq{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;margin:10px 0}
details.faq summary{font-weight:700;cursor:pointer;color:var(--ink)}
details.faq p{margin:.6em 0 0}
.related{font-size:.95rem;margin-top:28px}.related a{margin-right:14px;display:inline-block}
.band{background:var(--bg-soft);padding:32px 0;margin:32px 0}
.team{margin-bottom:8px}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--surface);border-radius:var(--r);overflow:hidden}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--deep);color:var(--ink);font-size:.82rem;text-transform:uppercase;letter-spacing:.06em}
td:first-child{font-weight:700;color:var(--ink)}
@media(max-width:700px){table.stack{background:none}table.stack thead{display:none}table.stack tr{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);margin:0 0 12px;padding:8px 14px}table.stack td{display:block;border:0;padding:4px 0}}
.two{display:grid;gap:28px}@media(min-width:860px){.two{grid-template-columns:1fr 1fr}}
.map{width:100%;height:340px;border:1px solid var(--line);border-radius:var(--r)}
.quote-frame{width:100%;height:1000px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.form-grid{display:grid;gap:14px}.hp{display:none}
.notice{background:#2e2408;border:1px solid #7a5f14;color:#f5d68a;border-radius:10px;padding:10px 14px;font-size:.92rem}
.notice a{color:#ffe7a8}
/* footer */
.ftr{background:var(--deep);color:var(--muted);font-size:.95rem;padding:56px 0 0;border-top:1px solid var(--line)}
.ftr a{color:var(--ink);text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr h2{color:var(--ink);font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin:0 0 14px}
.ftr .cols{display:grid;gap:32px;grid-template-columns:1fr}
@media(min-width:600px){.ftr .cols{grid-template-columns:1fr 1fr}}
@media(min-width:960px){.ftr .cols{grid-template-columns:1.5fr 1.1fr 1fr 1fr;gap:40px}}
.ftr-logo{margin-bottom:16px}.ftr-logo img{width:180px}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.ftr li.gap{margin-top:8px}
.social{display:flex;gap:10px;margin-top:14px}
.social a{display:inline-flex;width:40px;height:40px;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.08)}
.social a:hover{background:var(--brand)}
.social svg{width:18px;height:18px;fill:#fff}
.legal{border-top:1px solid var(--line);margin-top:44px;padding:20px 0;font-size:.85rem;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}
/* sticky mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:50;display:grid;grid-template-columns:1fr 1fr;background:var(--deep);border-top:1px solid var(--line);padding-bottom:env(safe-area-inset-bottom,0px)}
.mbar a{padding:15px 8px;text-align:center;font-weight:700;text-decoration:none;color:#fff}
.mbar a+a{background:var(--brand)}
@media(min-width:1000px){.mbar{display:none}body{padding-bottom:0}}
.legal a{text-decoration:underline}