/* Coromandel Insurance Services — site styles
   Palette: deep sea (hero, footer), paper (content), sea (primary), pōhutukawa (accent) */
:root{
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
  --deep:#0B2D31;
  --deep-2:#0E3A3F;
  --foam:#9FD8CE;
  --foam-dim:#5E938C;
  --paper:#FAF8F3;
  --card:#FFFFFF;
  --ink:#182A2D;
  --ink-soft:#51625F;
  --sea:#0F6167;
  --sea-deep:#0A464B;
  --shallow:#E7EFEA;
  --line:#DCE2DC;
  --pohutukawa:#C63F44;
  --on-accent:#FFFFFF;
  --code-bg:#0A2226;
  --code-ink:#BFE0D7;
  --gutter-l:max(1.4rem, env(safe-area-inset-left,0px));
  --gutter-r:max(1.4rem, env(safe-area-inset-right,0px));
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --paper:#0E1D20; --card:#13272B; --ink:#E7EFEB; --ink-soft:#9DB4AE;
    --sea:#63B8B0; --sea-deep:#8ED2CA; --shallow:#122A2E; --line:#24413F;
    --pohutukawa:#E0666B; --code-bg:#081B1E; --code-ink:#A9CFC5;
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --paper:#0E1D20; --card:#13272B; --ink:#E7EFEB; --ink-soft:#9DB4AE;
  --sea:#63B8B0; --sea-deep:#8ED2CA; --shallow:#122A2E; --line:#24413F;
  --pohutukawa:#E0666B; --code-bg:#081B1E; --code-ink:#A9CFC5;
  color-scheme:dark;
}
html{scroll-behavior:smooth; scroll-padding-top:calc(4.4rem + env(safe-area-inset-top,0px));}
*,*:before,*:after{box-sizing:inherit;}
body{
  margin:0; background:var(--paper); color:var(--ink);
  font-family:"Public Sans","Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  font-size:16.5px; line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%; height:auto;}
h1,h2,h3{font-family:"Bricolage Grotesque","Segoe UI",system-ui,Arial,sans-serif; line-height:1.08; margin:0; letter-spacing:-.015em; text-wrap:balance;}
a{color:var(--sea); text-decoration-thickness:1px; text-underline-offset:3px;}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{
  outline:2px solid var(--pohutukawa); outline-offset:2px; border-radius:2px;
}
.wrap{max-width:72rem; margin:0 auto; padding-left:var(--gutter-l); padding-right:var(--gutter-r);}
.visually-hidden{position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap;}

/* ---------- test site banner (shown by site.js on dev hosts) ---------- */
.devbar{display:none; background:var(--pohutukawa); color:#fff; font-size:.85rem; font-weight:600; text-align:center; padding:.35rem var(--gutter-r) .35rem var(--gutter-l);}
.devbar.show{display:block;}

/* ---------- header ---------- */
header.site{
  position:sticky; top:0; z-index:30;
  background:var(--deep); color:#EAF4F1;
  padding-top:env(safe-area-inset-top,0px);
  border-bottom:1px solid rgba(159,216,206,.18);
}
.bar{display:flex; align-items:center; gap:1.2rem; height:4.2rem;}
.brand{display:flex; align-items:center; text-decoration:none;}
.brand img{height:2.2rem; width:auto; display:block;}
nav.top{margin-left:auto; display:flex; gap:1.25rem; align-items:center; flex-wrap:wrap;}
nav.top a{font-size:.93rem; color:#C8DCD6; text-decoration:none;}
nav.top a:hover{color:#fff;}
.call-pill{
  background:var(--pohutukawa); color:#fff !important; font-weight:600;
  padding:.42rem .85rem; border-radius:2rem; font-size:.9rem; white-space:nowrap;
}
.call-pill:hover{filter:brightness(1.08);}

/* ---------- hero ---------- */
.hero{
  position:relative; background:var(--deep); color:#EAF4F1; overflow:hidden; isolation:isolate;
}
.hero-photo{
  position:absolute; inset:0; z-index:-1;
  background:var(--deep) url("../img/hero.jpg") center 62% / cover no-repeat;
}
.hero-video{position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center; display:none;}
@media (min-width:901px){ .hero-video{display:block;} }
.hero-photo:after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(8,24,28,.72) 0%, rgba(8,24,28,.52) 28%, rgba(8,24,28,.18) 52%, rgba(8,24,28,0) 72%);
}
.hero .wrap{
  display:grid; grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr); gap:2rem;
  padding-top:5.2rem; padding-bottom:5.6rem; align-items:center;
}
.hero-copy h1{font-size:clamp(2.3rem,5.2vw,3.9rem); font-weight:800; color:#F4FBF8; max-width:15ch; text-shadow:0 2px 18px rgba(0,0,0,.45);}
.hero-copy .tide{color:var(--foam);}
.hero-copy p{font-size:1.1rem; color:#EAF3F0; max-width:36rem; margin:1.3rem 0 1.9rem; text-shadow:0 1px 10px rgba(0,0,0,.5);}
.cta-row{display:flex; gap:.8rem; flex-wrap:wrap;}
.btn{display:inline-block; border-radius:.5rem; padding:.8rem 1.3rem; font-weight:600; font-size:1rem; text-decoration:none; border:1px solid transparent; cursor:pointer; font-family:inherit;}
.btn.accent{background:var(--pohutukawa); color:var(--on-accent);}
.btn.accent:hover{filter:brightness(1.08);}
.btn.ghost{border-color:rgba(159,216,206,.45); color:#E4F2EE; background:transparent;}
.btn.ghost:hover{border-color:var(--foam); color:#fff;}
.btn.solid{background:var(--sea); color:#fff;}
.btn.solid:hover{background:var(--sea-deep);}
.btn[disabled]{opacity:.65; cursor:wait;}
:root[data-theme="dark"] .btn.solid{color:#0B1D1F;}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]) .btn.solid{color:#0B1D1F;} }

.map-side{display:flex; justify-content:center; background:var(--deep); border-radius:.8rem; padding:1.2rem 1rem;}
.map-side svg{width:min(13rem,80%); height:auto; display:block;}
.map-label{font-family:"Public Sans",system-ui,sans-serif; font-size:11.5px; fill:#D8E9E4;}
.map-town{fill:var(--pohutukawa);}
@keyframes rise{from{opacity:0; transform:translateY(14px);} to{opacity:1; transform:none;}}
.hero-copy{animation:rise .7s ease-out both;}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  .hero-copy{animation:none;}
}

/* trust strip */
.strip{background:var(--deep-2); color:#B9D2CC; font-size:.9rem;}
.strip .wrap{display:flex; gap:.6rem 2rem; flex-wrap:wrap; padding-top:.85rem; padding-bottom:.85rem; align-items:center;}
.strip b{color:#EAF6F2; font-weight:600;}

/* ---------- sections ---------- */
section{padding:4rem 0;}
section + section{border-top:1px solid var(--line);}
.sec-head{max-width:46rem; margin-bottom:2rem;}
.sec-head h2{font-size:clamp(1.7rem,3.4vw,2.5rem); font-weight:800;}
.sec-head p{color:var(--ink-soft); margin:.7rem 0 0; font-size:1.03rem;}

/* cover grid */
.svc{display:grid; grid-template-columns:repeat(3,1fr); gap:1.1rem;}
.svc article{
  background:var(--card); border:1px solid var(--line); border-radius:.8rem;
  padding:1.35rem 1.4rem 1.25rem; min-width:0;
}
.svc .ic{width:2.1rem; height:2.1rem; margin-bottom:.7rem; color:var(--sea);}
.svc h3{font-size:1.12rem; font-weight:600; margin-bottom:.4rem;}
.svc p{margin:0; font-size:.94rem; color:var(--ink-soft);}

/* claims story */
.story{background:var(--shallow); border-radius:1rem; padding:2.6rem 2.8rem; display:grid; grid-template-columns:1.2fr .8fr; gap:2.5rem; align-items:center;}
.story > div{min-width:0;}
.story h2{font-size:clamp(1.6rem,3vw,2.2rem); font-weight:800;}
.story p{color:var(--ink-soft); margin:.9rem 0 0; font-size:1.02rem;}
.story p b{color:var(--ink);}
.creds{display:grid; gap:.9rem;}
.cred{background:var(--card); border:1px solid var(--line); border-left:4px solid var(--sea); border-radius:.6rem; padding:.95rem 1.1rem;}
.cred b{display:block; font-weight:600; font-size:1rem;}
.cred span{font-size:.88rem; color:var(--ink-soft);}

/* steps */
.steps{display:grid; grid-template-columns:repeat(3,1fr); gap:1.1rem; counter-reset:step;}
.step{background:var(--card); border:1px solid var(--line); border-radius:.8rem; padding:1.4rem; min-width:0;}
.step:before{
  counter-increment:step; content:counter(step);
  display:inline-flex; width:2rem; height:2rem; align-items:center; justify-content:center;
  border-radius:50%; background:var(--sea); color:#fff; font-weight:700; font-family:"Bricolage Grotesque",sans-serif;
  margin-bottom:.8rem;
}
:root[data-theme="dark"] .step:before,:root[data-theme="dark"] .avatar{color:#0B1D1F;}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]) .step:before,:root:not([data-theme="light"]) .avatar{color:#0B1D1F;} }
.step h3{font-size:1.08rem; font-weight:600; margin-bottom:.35rem;}
.step p{margin:0; font-size:.94rem; color:var(--ink-soft);}

/* forms */
.split{display:grid; grid-template-columns:.9fr 1.1fr; gap:2.6rem; align-items:start;}
.split > *{min-width:0;}
form{background:var(--card); border:1px solid var(--line); border-radius:.9rem; padding:1.6rem; box-shadow:0 10px 30px rgba(11,45,49,.05);}
fieldset{border:0; margin:0 0 .4rem; padding:0; min-width:0;}
legend{font-weight:600; font-size:1rem; padding:0 0 .4rem; font-family:"Bricolage Grotesque",sans-serif;}
label{display:block; font-size:.87rem; font-weight:600; margin:.75rem 0 .28rem;}
input,select,textarea{
  width:100%; padding:.6rem .7rem; font:inherit; font-size:.96rem;
  border:1px solid var(--line); border-radius:.45rem; background:var(--paper); color:var(--ink);
}
textarea{min-height:5.4rem; resize:vertical;}
.grid2{display:grid; grid-template-columns:1fr 1fr; gap:0 1rem;}
.grid2 > div{min-width:0;}
.hint{font-size:.82rem; color:var(--ink-soft); margin:.5rem 0 0;}
.notice{margin-top:1.1rem; padding:1rem 1.1rem; border-radius:.6rem; background:var(--shallow); font-size:.92rem; display:none;}
.notice.show{display:block;}
.notice strong{color:var(--sea);}
.notice.err strong{color:var(--pohutukawa);}
pre.payload{
  background:var(--code-bg); color:var(--code-ink); border-radius:.55rem;
  padding:1rem; font-size:.79rem; line-height:1.55; overflow-x:auto; margin:.8rem 0 0;
  font-family:"Courier New",ui-monospace,monospace;
}
.honey{position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden;}

/* AI section */
.ai{position:relative; isolation:isolate; overflow:hidden; background:var(--deep) url("../img/sunrise.jpg") center 30% / cover no-repeat; color:#DCEBE6; border-radius:1rem; padding:2.8rem;}
.ai:before{content:""; position:absolute; inset:0; z-index:-1; background:linear-gradient(180deg, rgba(11,45,49,.90), rgba(11,45,49,.84));}
.ai h2{color:#F2FAF7; font-size:clamp(1.6rem,3vw,2.2rem); font-weight:800;}
.ai > p{color:#AFC9C3; max-width:46rem; margin:.8rem 0 1.8rem; font-size:1.02rem;}
.ai-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:1rem;}
.ai-card{border:1px solid rgba(159,216,206,.25); border-radius:.7rem; padding:1.15rem 1.25rem; background:rgba(11,45,49,.55); min-width:0;}
.ai-card h3{color:var(--foam); font-size:1.02rem; font-weight:600; margin-bottom:.35rem;}
.ai-card p{margin:.2rem 0 .5rem; font-size:.92rem; color:#B9D2CC;}
code.inline{background:var(--code-bg); color:var(--code-ink); padding:.14rem .45rem; border-radius:.3rem; font-size:.84em; font-family:"Courier New",ui-monospace,monospace; word-break:break-all;}
.ai .keep{margin:1.7rem 0 0; font-size:.92rem; color:#9CB8B1; max-width:48rem;}

/* faq */
details{border:1px solid var(--line); border-radius:.6rem; background:var(--card); padding:.95rem 1.2rem; margin-bottom:.75rem;}
summary{cursor:pointer; font-weight:600; font-size:1rem;}
details p{margin:.75rem 0 .2rem; color:var(--ink-soft); font-size:.95rem;}

/* team */
.team{display:grid; grid-template-columns:repeat(3,1fr); gap:1.1rem;}
.person{background:var(--card); border:1px solid var(--line); border-radius:.8rem; padding:1.3rem 1.35rem; min-width:0;}
.avatar{width:2.9rem; height:2.9rem; border-radius:50%; background:var(--sea); color:#fff; display:flex; align-items:center; justify-content:center; font-family:"Bricolage Grotesque",sans-serif; font-weight:700; font-size:1rem; margin-bottom:.75rem; overflow:hidden;}
.avatar img{width:100%; height:100%; object-fit:cover; display:block;}
.person h3{font-size:1.08rem; font-weight:600;}
.person .role{color:var(--sea); font-size:.85rem; font-weight:600; margin:.15rem 0 .5rem;}
.person p{margin:0; font-size:.92rem; color:var(--ink-soft);}

/* disclosure and complaints */
.complaints{background:var(--shallow); border-radius:.9rem; padding:1.7rem 1.9rem; margin-top:1.5rem; display:grid; grid-template-columns:1.1fr .9fr; gap:1.8rem;}
.complaints > div{min-width:0;}
.complaints h3{font-size:1.3rem; font-weight:700; margin-bottom:.5rem;}
.complaints p{font-size:.95rem; color:var(--ink-soft); margin:.45rem 0;}
.complaints p b{color:var(--ink);}
.fscl{background:var(--card); border:1px solid var(--line); border-left:4px solid var(--pohutukawa); border-radius:.6rem; padding:1.05rem 1.15rem; font-size:.92rem; align-self:start;}
.fscl b{display:block; margin-bottom:.3rem;}
.fscl span{color:var(--ink-soft);}

/* footer */
footer{background:var(--deep); color:#A9C3BD; font-size:.89rem; padding:3rem 0 3.2rem; margin-top:4rem;}
footer .cols{display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:2rem;}
footer .cols > div{min-width:0;}
footer .flogo{height:2rem; width:auto; display:block; margin-bottom:1rem;}
footer h3{font-size:1rem; font-weight:600; color:#EAF4F1; margin-bottom:.6rem; font-family:"Bricolage Grotesque",sans-serif;}
footer p{margin:.28rem 0;}
footer a{color:var(--foam);}
.fine{margin-top:2.2rem; padding-top:1.1rem; border-top:1px solid rgba(159,216,206,.2); font-size:.8rem; color:#7FA09A;}

@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr; padding-top:2.8rem; padding-bottom:3rem;}
  .hero-video{position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center; display:none;}
@media (min-width:901px){ .hero-video{display:block;} }
.hero-photo:after{background:linear-gradient(180deg, rgba(11,45,49,.90) 0%, rgba(11,45,49,.80) 60%, rgba(11,45,49,.62) 100%);}
  .hero-copy p{color:#E3EFEB;}
  .svc,.steps,.team{grid-template-columns:1fr 1fr;}
  .complaints{grid-template-columns:1fr; padding:1.4rem 1.3rem;}
  .split{grid-template-columns:1fr;}
  .story{grid-template-columns:1fr; padding:1.8rem 1.6rem;}
  .ai{padding:1.8rem 1.5rem;}
  .ai-grid{grid-template-columns:1fr;}
  footer .cols{grid-template-columns:1fr;}
  nav.top a:not(.call-pill){display:none;}
}
@media (max-width:560px){
  .svc,.steps,.team{grid-template-columns:1fr;}
  .grid2{grid-template-columns:1fr;}
  .brand img{height:1.8rem;}
}

/* ---------- photos ---------- */
figure{margin:0;}
.band{margin:0 0 1.6rem; border-radius:.9rem; overflow:hidden; aspect-ratio:1512/600; max-width:100%;}
.band img{width:100%; height:100%; object-fit:cover; display:block;}
.story-photo{border-radius:.8rem; overflow:hidden; background:var(--card); border:1px solid var(--line);}
.story-photo img{width:100%; height:auto; display:block; aspect-ratio:4/3; object-fit:cover;}
.story-photo figcaption{font-size:.85rem; color:var(--ink-soft); padding:.7rem .95rem;}
.side-photo{margin-top:1.6rem; max-width:100%;}
.side-photo img{width:100%; height:auto; aspect-ratio:4/3; object-fit:cover; display:block; border-radius:.8rem;}
.side-photo figcaption{font-size:.85rem; color:var(--ink-soft); padding:.6rem .2rem 0;}
.mapcard{background:var(--deep); border-color:var(--deep); color:#DCEBE6; display:grid; grid-template-rows:auto auto 1fr; align-items:start;}
.mapcard svg{width:min(9rem,60%); height:auto; display:block; margin:0 auto .9rem;}
.mapcard h3{color:#F2FAF7;}
.mapcard p{color:#B9D2CC;}