/* ============================================================
   SMB Insure — commercial lines Quote & Bind
   Aesthetic: refined financial-trust. Navy + warm gold,
   Fraunces display / Manrope UI, warm paper background.
   ============================================================ */
:root {
    --ink: #15202b;
    --navy: #1b2a41;
    --navy-700: #243650;
    --accent: #c2873b;       /* warm gold */
    --accent-600: #a8722c;
    --success: #2f7d5d;
    --danger: #b3402f;
    --bg: #f4f0e8;           /* warm paper */
    --surface: #ffffff;
    --surface-2: #fbf9f4;
    --line: #e4ddcf;
    --line-strong: #d3cab8;
    --muted: #6c7480;
    --radius: 14px;
    --radius-sm: 9px;
    --shadow: 0 1px 2px rgba(21,32,43,.05), 0 10px 30px rgba(21,32,43,.06);
    --shadow-lg: 0 24px 60px rgba(21,32,43,.16);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
    font-family: 'Manrope', system-ui, sans-serif;
    background:
        radial-gradient(1200px 600px at 100% -10%, rgba(194,135,59,.10), transparent 60%),
        var(--bg);
    color: var(--ink);
    font-size: 15px;
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
    min-height: 100vh;
}
h1, h2, h3, h4 { font-family: 'Fraunces', Georgia, serif; font-weight: 600; line-height: 1.15; margin: 0 0 .4em; letter-spacing: -.01em; }
h1 { font-size: 2rem; }
h2 { font-size: 1.45rem; }
h3 { font-size: 1.15rem; }
a { color: var(--accent-600); text-decoration: none; }
a:hover { text-decoration: underline; }
p { margin: 0 0 1rem; }

/* ---------- top bar ---------- */
.topbar {
    background: var(--navy);
    color: #f3eee3;
    border-bottom: 3px solid var(--accent);
}
.topbar-inner {
    max-width: 1120px; margin: 0 auto; padding: 0 24px;
    height: 64px; display: flex; align-items: center; gap: 28px;
}
.brand { display: flex; align-items: center; gap: 10px; font-family: 'Fraunces', serif; font-size: 1.3rem; color: #fff; font-weight: 600; }
.brand:hover { text-decoration: none; }
.brand .mark {
    width: 30px; height: 30px; border-radius: 8px;
    background: linear-gradient(135deg, var(--accent), #e0a85a);
    display: grid; place-items: center; color: var(--navy); font-weight: 800; font-family: 'Manrope', sans-serif; font-size: .95rem;
}
.nav { display: flex; gap: 4px; margin-left: 12px; }
.nav a { color: #cfd6df; padding: 8px 14px; border-radius: 8px; font-weight: 600; font-size: .92rem; }
.nav a:hover { background: var(--navy-700); color: #fff; text-decoration: none; }
.nav a.active { background: var(--navy-700); color: #fff; }
.topbar .spacer { flex: 1; }
.userbox { display: flex; align-items: center; gap: 12px; font-size: .9rem; color: #cfd6df; }
.userbox .who { font-weight: 600; color: #fff; }
.btn-logout { background: transparent; border: 1px solid rgba(255,255,255,.25); color: #f3eee3; padding: 7px 13px; border-radius: 8px; cursor: pointer; font: inherit; font-size: .85rem; }
.btn-logout:hover { background: rgba(255,255,255,.1); }

/* ---------- layout ---------- */
.container { max-width: 1120px; margin: 0 auto; padding: 36px 24px 80px; }
.container-narrow { max-width: 460px; margin: 0 auto; padding: 6vh 24px 60px; }
.page-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; margin-bottom: 24px; flex-wrap: wrap; }
.page-head .sub { color: var(--muted); margin: 0; }

/* ---------- cards ---------- */
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px; }
.card + .card { margin-top: 20px; }
.card-title { display: flex; align-items: center; gap: 10px; margin-bottom: 18px; }
.card-title .step { width: 26px; height: 26px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-size: .82rem; font-weight: 700; font-family: 'Manrope',sans-serif; }

/* ---------- auth ---------- */
.auth-card { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); padding: 38px 34px; }
.auth-logo { display:flex; align-items:center; gap:10px; justify-content:center; margin-bottom: 6px; }
.auth-logo .mark { width: 34px; height: 34px; border-radius: 9px; background: linear-gradient(135deg, var(--accent), #e0a85a); display:grid; place-items:center; color: var(--navy); font-weight: 800; }
.auth-head { text-align: center; margin-bottom: 24px; }
.auth-head p { color: var(--muted); margin: 4px 0 0; }
.auth-alt { text-align: center; margin-top: 20px; color: var(--muted); font-size: .92rem; }
.demo-hint { margin-top: 18px; padding: 11px 14px; background: var(--surface-2); border: 1px dashed var(--line-strong); border-radius: var(--radius-sm); font-size: .82rem; color: var(--muted); text-align:center; }
.demo-hint code { color: var(--ink); background: #efe9dc; padding: 1px 6px; border-radius: 5px; }

/* ---------- forms ---------- */
.form-row { margin-bottom: 16px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
label { display: block; font-weight: 600; font-size: .85rem; margin-bottom: 6px; color: var(--navy); }
input[type=text], input[type=email], input[type=password], input[type=number], input[type=date], input[type=tel], select {
    width: 100%; padding: 11px 13px; border: 1px solid var(--line-strong); border-radius: var(--radius-sm);
    background: var(--surface-2); font: inherit; color: var(--ink); transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(194,135,59,.18); background: #fff; }
.hint { font-size: .78rem; color: var(--muted); margin-top: 5px; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 22px; border-radius: var(--radius-sm); border: 1px solid transparent; font: inherit; font-weight: 700; cursor: pointer; transition: transform .05s, background .15s, box-shadow .15s; }
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--accent); color: #221603; box-shadow: 0 2px 0 var(--accent-600); }
.btn-primary:hover { background: var(--accent-600); color: #fff; }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-700); }
.btn-ghost { background: transparent; border-color: var(--line-strong); color: var(--navy); }
.btn-ghost:hover { background: var(--surface-2); }
.btn-block { width: 100%; }
.btn-bind { background: var(--success); color: #fff; font-size: 1.05rem; padding: 14px 26px; }
.btn-bind:hover { background: #266449; }
.btn-row { display: flex; gap: 12px; align-items: center; margin-top: 8px; }

/* ---------- validation / alerts ---------- */
.field-validation-error, .text-danger { color: var(--danger); font-size: .8rem; display: block; margin-top: 5px; font-weight: 600; }
.input-validation-error { border-color: var(--danger) !important; background: #fdf3f1 !important; }
.validation-summary-errors { background: #fdf3f1; border: 1px solid #eebfb6; color: var(--danger); border-radius: var(--radius-sm); padding: 12px 16px; margin-bottom: 18px; font-size: .88rem; }
.validation-summary-errors ul { margin: 0; padding-left: 18px; }
.alert { padding: 12px 16px; border-radius: var(--radius-sm); margin-bottom: 18px; font-size: .9rem; font-weight: 600; }
.alert-error { background: #fdf3f1; border: 1px solid #eebfb6; color: var(--danger); }
.alert-success { background: #eef6f1; border: 1px solid #b9dbc9; color: var(--success); }

/* ---------- dashboard ---------- */
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 26px; }
.stat { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.stat .label { color: var(--muted); font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; font-weight: 700; }
.stat .value { font-family: 'Fraunces', serif; font-size: 2rem; margin-top: 6px; color: var(--navy); }

/* ---------- tables ---------- */
table.data { width: 100%; border-collapse: collapse; }
table.data th { text-align: left; font-size: .76rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); padding: 10px 12px; border-bottom: 2px solid var(--line); }
table.data td { padding: 13px 12px; border-bottom: 1px solid var(--line); }
table.data tr:last-child td { border-bottom: none; }
table.data tr:hover td { background: var(--surface-2); }
.mono { font-variant-numeric: tabular-nums; }
.num { text-align: right; font-variant-numeric: tabular-nums; }

/* ---------- coverage rows ---------- */
.cov-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 110px; gap: 14px; align-items: end; padding: 16px 0; border-bottom: 1px solid var(--line); }
.cov-row .cov-name { font-weight: 700; color: var(--navy); font-size: .98rem; }
.cov-row .premium-cell { text-align: right; font-variant-numeric: tabular-nums; font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.cov-head { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 110px; gap: 14px; font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); font-weight: 700; padding-bottom: 8px; border-bottom: 2px solid var(--line); }
.cov-head .num { text-align: right; }
.premium-bar { display: flex; align-items: center; justify-content: space-between; margin-top: 22px; padding: 20px 24px; background: var(--navy); border-radius: var(--radius); color: #fff; }
.premium-bar .ttl { font-size: .85rem; color: #cdd5df; text-transform: uppercase; letter-spacing: .06em; font-weight: 700; }
.premium-bar .amt { font-family: 'Fraunces', serif; font-size: 2rem; }
.premium-bar .amt small { font-size: 1rem; color: #cdd5df; font-family:'Manrope',sans-serif; }

/* ---------- badges ---------- */
.badge { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: .74rem; font-weight: 700; letter-spacing: .02em; }
.badge-quoted { background: #fdf1dd; color: #9a6a17; }
.badge-bound  { background: #e7f3ec; color: var(--success); }
.badge-draft  { background: #eceef1; color: var(--muted); }
.badge-active { background: #e7f3ec; color: var(--success); }

/* ---------- review / summary ---------- */
.kv { display: grid; grid-template-columns: 180px 1fr; gap: 8px 18px; }
.kv dt { color: var(--muted); font-weight: 600; }
.kv dd { margin: 0; font-weight: 600; color: var(--ink); }
.cols-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.policy-hero { text-align:center; padding: 30px; background: linear-gradient(160deg, var(--navy), var(--navy-700)); color:#fff; border-radius: var(--radius); margin-bottom: 22px; }
.policy-hero .num { font-family:'Fraunces',serif; font-size: 1.9rem; letter-spacing: .02em; }
.policy-hero .lbl { color:#cdd5df; text-transform: uppercase; letter-spacing:.08em; font-size:.78rem; font-weight:700; }

.empty { text-align: center; padding: 50px 20px; color: var(--muted); }
.spinner { display:inline-block; width:16px; height:16px; border:2px solid rgba(255,255,255,.4); border-top-color:#fff; border-radius:50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg);} }

@media (max-width: 760px) {
    .form-grid, .form-grid-3, .stat-grid, .cols-2 { grid-template-columns: 1fr; }
    .cov-row, .cov-head { grid-template-columns: 1fr 1fr; }
    .cov-head { display: none; }
    .nav { display: none; }
}

/* keep the sign-out form inline in the top bar */
.userbox form { margin: 0; display: inline-flex; }