/* ==========================================================================
   CrashReportHQ design system — trust-first, fast, mobile-first.
   Palette (locked): navy #0B2545 · trust-blue #1466B8 · CTA orange #FF6B35
   success-green #16A34A · bg #F7F9FC · ink #1A2433
   Fonts: Montserrat (headlines) / Open Sans (body) — self-hosted.
   ========================================================================== */

/* ---------- Fonts ---------- */
@font-face{font-family:'Montserrat';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/montserrat-latin-700-normal.woff2') format('woff2')}
@font-face{font-family:'Montserrat';font-style:normal;font-weight:800;font-display:swap;src:url('../fonts/montserrat-latin-800-normal.woff2') format('woff2')}
@font-face{font-family:'Open Sans';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/open-sans-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'Open Sans';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/open-sans-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'Open Sans';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/open-sans-latin-700-normal.woff2') format('woff2')}

/* ---------- Tokens ---------- */
:root{
  --navy:#0B2545; --navy-2:#123763; --blue:#1466B8; --blue-soft:#EAF2FB;
  --cta:#FF6B35; --cta-hover:#E4551F;
  --green:#16A34A; --green-soft:#E9F7EF;
  --bg:#F7F9FC; --ink:#1A2433; --muted:#5B6B7B; --line:#E4E9EF;
  --star:#F5A623;
  --font-head:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --font-body:'Open Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --radius:12px; --radius-lg:16px;
  --shadow-card:0 24px 60px rgba(5,20,40,.32);
}

/* ---------- Base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);font-size:16px;line-height:1.6;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}
a{color:var(--blue)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.15;margin:0 0 .5em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.screen-reader-text{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-head);font-weight:800;font-size:16px;padding:14px 26px;border-radius:var(--radius);text-decoration:none;cursor:pointer;border:none;transition:background .15s}
.btn-cta,.btn-call{background:var(--cta);color:#fff !important;box-shadow:0 4px 14px rgba(255,107,53,.35)}
.btn-cta:hover,.btn-call:hover{background:var(--cta-hover)}
.btn-ghost{background:#fff;border:2px solid var(--cta);color:var(--cta) !important}
.btn-blue{background:var(--blue);color:#fff !important}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy);color:#CFE0F3;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:12px}
.topbar b{color:#fff}
.topbar .tb-left span{margin-right:18px;white-space:nowrap}
@media(max-width:760px){.topbar .tb-left span:not(.keep){display:none}.topbar .tb-right{display:none}}

/* ---------- Header ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:44px;height:44px;border-radius:9px}
.brand .brand-name{font-family:var(--font-head);font-weight:800;font-size:21px;letter-spacing:-.2px;color:var(--navy);line-height:1.05}
.brand .brand-name span{color:var(--cta)}
.brand .brand-sub{font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.6px;text-transform:uppercase}
.header-call{display:flex;align-items:center;gap:12px}
.header-call .cap{text-align:right;font-size:12px;color:var(--muted);line-height:1.25}
.header-call .cap b{display:block;font-size:13px;color:var(--ink)}
@media(max-width:760px){.header-call .cap{display:none}.brand .brand-name{font-size:16px}.brand .brand-sub{display:none}}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#17457C 100%);color:#fff;padding:44px 0 56px}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;column-gap:44px;row-gap:18px;align-items:start}
.hero-intro{grid-column:1;grid-row:1;align-self:end}
.hero-more{grid-column:1;grid-row:2;align-self:start}
.hero .formcard{grid-column:2;grid-row:1/span 2}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);padding:6px 13px;border-radius:100px;font-size:12.5px;font-weight:700;letter-spacing:.4px;margin-bottom:18px}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:#39D98A;box-shadow:0 0 0 4px rgba(57,217,138,.25)}
.hero h1{font-size:40px;letter-spacing:-.5px;color:#fff;font-weight:800}
.hero h1 em{color:#FFA585;font-style:normal}
.hero p.lead{font-size:17.5px;color:#D7E4F2;margin-top:14px;max-width:530px}
.crhq-sponsor-line{font-size:14.5px;color:#BFE3CE;background:rgba(22,163,74,.16);border:1px solid rgba(22,163,74,.45);border-radius:10px;padding:10px 14px;margin-top:16px;max-width:530px}
.crhq-sponsor-line b{color:#fff}
.crhq-sponsor-line a{color:#9FD9B4}
.checks{margin:22px 0 0;display:grid;gap:11px;padding:0;list-style:none}
.checks li{display:flex;align-items:flex-start;gap:11px;font-size:15.5px;color:#EAF2FD}
.checks .ic{flex:0 0 22px;height:22px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;margin-top:1px}
.hero-callbox{margin-top:22px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:18px 20px;max-width:400px}
.hero-callbox .hcb-text{font-size:15px;color:#EAF2FD;font-weight:600;margin-bottom:12px}
@media(max-width:900px){
  .hero .grid{display:block}
  .hero .grid>*{margin-bottom:24px}
  .hero h1{font-size:30px}
  .hero{padding:26px 0 40px}
}

/* ---------- Form card ---------- */
.formcard{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-card);overflow:hidden;color:var(--ink)}
.formcard .fc-head{background:var(--cta);color:#fff;padding:18px 24px;text-align:center}
.formcard .fc-head h2,.formcard .fc-head h3{font-size:20px;font-weight:800;letter-spacing:.3px;margin:0;color:#fff}
.formcard .fc-head p{font-size:13px;color:#FFE3D6;margin:3px 0 0}
.fc-body{padding:20px 24px 8px}
.fc-body .urgency{font-size:12.5px;color:var(--green);font-weight:700;text-align:center;margin:0 0 12px}
.fc-body .reassure{font-size:13px;font-weight:700;color:var(--green);text-align:center;margin:14px 2px 4px}
.crhq-not-gov{font-size:12px;color:var(--muted);text-align:center;margin:10px 2px 6px;line-height:1.5}
.or-call{text-align:center;padding:8px 24px 20px}
.or-call .divider{display:flex;align-items:center;gap:12px;color:var(--muted);font-size:12px;margin-bottom:12px}
.or-call .divider::before,.or-call .divider::after{content:"";flex:1;height:1px;background:var(--line)}
.fc-foot{display:flex;align-items:center;justify-content:center;gap:8px;font-size:12.5px;color:var(--muted);padding:14px 24px;border-top:1px solid var(--line);background:#FAFCFE}
.fc-foot .lock{color:var(--green)}
.crhq-form-placeholder{border:2px dashed var(--line);border-radius:10px;padding:26px;text-align:center;color:var(--muted);font-size:14px}

/* ---------- WPForms inside cards ---------- */
.fc-body .wpforms-container{margin:0}
.fc-body .wpforms-form .wpforms-field{padding:0 0 14px}
.fc-body .wpforms-form .wpforms-field-label{font-size:14px;font-weight:700;color:var(--ink)!important;margin-bottom:6px}
.fc-body .wpforms-form input[type=text],.fc-body .wpforms-form input[type=email],.fc-body .wpforms-form input[type=tel],.fc-body .wpforms-form select,.fc-body .wpforms-form textarea{width:100%;min-height:48px;padding:0 14px;border:1.5px solid var(--line);border-radius:10px;font-size:15px;color:var(--ink);background:#fff}
.fc-body .wpforms-form textarea{padding:12px 14px}
.fc-body .wpforms-form input:focus,.fc-body .wpforms-form select:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px var(--blue-soft)}
.fc-body .wpforms-form button[type=submit],.fc-body .wpforms-form .wpforms-submit,.fc-body .wpforms-form .wpforms-page-next{width:100%;background:var(--cta)!important;color:#fff!important;border:none!important;font-family:var(--font-head);font-size:17px;font-weight:800;padding:15px;border-radius:11px;cursor:pointer;box-shadow:0 6px 16px rgba(255,107,53,.35)}
.fc-body .wpforms-form button[type=submit]:hover,.fc-body .wpforms-form .wpforms-submit:hover,.fc-body .wpforms-form .wpforms-page-next:hover{background:var(--cta-hover)!important}
.fc-body .wpforms-form .wpforms-page-prev{width:auto;background:#fff!important;color:var(--muted)!important;border:1.5px solid var(--line)!important;box-shadow:none!important}
.fc-body label.wpforms-error{color:#D63638!important;font-size:13px!important;font-weight:400!important}

/* ---------- Trust bar ---------- */
.trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trustbar .wrap{display:flex;justify-content:space-around;align-items:center;gap:18px;padding:20px;flex-wrap:wrap}
.trustbar div{font-size:14px;font-weight:700;color:var(--navy)}

/* ---------- Content sections ---------- */
section.block{padding:60px 0}
.kicker{text-align:center;color:var(--blue);font-weight:800;font-size:13px;letter-spacing:1px;text-transform:uppercase;margin-bottom:10px;font-family:var(--font-head)}
h2.title,h3.title{text-align:center;font-size:30px;font-weight:800;letter-spacing:-.3px;margin:0}
p.sub{text-align:center;color:var(--muted);max-width:640px;margin:12px auto 0;font-size:16px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.stepcard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 24px;text-align:center}
.stepcard .num{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--font-head);font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.stepcard h3,.stepcard h4{font-size:18px;margin:0 0 8px}
.stepcard p{font-size:14.5px;color:var(--muted);margin:0}
@media(max-width:820px){.steps{grid-template-columns:1fr}}

/* ---------- Agency grid (hubs) ---------- */
.agency-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:36px}
.agency-card{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;font-size:14.5px;text-decoration:none;transition:box-shadow .15s}
.agency-card:hover{box-shadow:0 8px 24px rgba(5,20,40,.10)}
.agency-card b{display:block;color:var(--navy);font-family:var(--font-head);font-size:15px;margin-bottom:4px}
.agency-card span{color:var(--muted);font-size:13.5px}
@media(max-width:820px){.agency-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.agency-grid{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:36px auto 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0}
.faq summary{cursor:pointer;font-family:var(--font-head);font-weight:700;font-size:16px;color:var(--navy);padding:18px 20px;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:14px;font-size:22px;color:var(--blue)}
.faq details[open] summary::after{content:"–"}
.faq .faq-a{padding:0 20px 18px;color:var(--muted);font-size:15px}

/* ---------- CTA band ---------- */
.ctaband{background:linear-gradient(120deg,var(--navy),#17457C);color:#fff;text-align:center;padding:52px 0}
.ctaband h2,.ctaband h3{font-size:29px;font-weight:800;margin:0;color:#fff}
.ctaband p{color:#D3E2F2;margin-top:10px;font-size:16px}
.ctaband .btns{margin-top:26px;display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- State selector (national home) ---------- */
.state-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}
.state-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 24px;text-align:center;text-decoration:none;transition:box-shadow .15s,transform .15s}
.state-card:hover{box-shadow:0 10px 30px rgba(5,20,40,.12);transform:translateY(-2px)}
.state-card .st-abbr{font-family:var(--font-head);font-weight:800;font-size:26px;color:var(--blue)}
.state-card .st-name{font-family:var(--font-head);font-weight:700;font-size:18px;color:var(--navy);margin-top:4px}
.state-card .st-note{font-size:13px;color:var(--muted);margin-top:8px}
@media(max-width:820px){.state-grid{grid-template-columns:1fr}}

/* ---------- Prose (privacy/terms/sponsors + hub body) ---------- */
.prose{max-width:780px;margin:0 auto}
.prose h2{font-size:24px;margin-top:1.6em}
.prose h3{font-size:19px;margin-top:1.4em}
.prose p,.prose li{font-size:15.5px;color:#33404E}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#A9BDD4;font-size:12.5px;padding:36px 0 42px;margin-top:0}
.site-footer .disc{max-width:900px;margin:0 auto;text-align:center;line-height:1.7}
.site-footer .disc b{color:#D6E4F4}
.site-footer .foot-links{text-align:center;margin-top:16px}
.site-footer .foot-links a{color:#CFE0F3;margin:0 10px;text-decoration:none}
.site-footer .foot-links a:hover{text-decoration:underline}
.site-footer .copy{text-align:center;margin-top:14px;color:#7D95B0}

/* ---------- Sticky mobile call bar ---------- */
.mcall{display:none}
@media(max-width:760px){
  .mcall{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:999;background:var(--cta);color:#fff !important;align-items:center;justify-content:center;gap:8px;font-family:var(--font-head);font-weight:800;font-size:17px;padding:15px;box-shadow:0 -4px 18px rgba(0,0,0,.25);text-decoration:none}
  body.has-mcall{padding-bottom:62px}
}

/* ---------- Thank-you ---------- */
.ty-hero{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:70px 0}
.ty-hero .tick{width:72px;height:72px;border-radius:50%;background:var(--green);color:#fff;font-size:38px;display:flex;align-items:center;justify-content:center;margin:0 auto 22px}
.ty-hero h1{color:#fff;font-size:34px}
.ty-hero p{color:#D7E4F2;font-size:17px;max-width:560px;margin:12px auto 0}
.ty-speed{background:#fff;border:1px solid var(--line);border-radius:16px;max-width:640px;margin:-34px auto 0;position:relative;padding:28px;text-align:center;box-shadow:0 14px 40px rgba(5,20,40,.14)}
.ty-speed h2{font-size:21px}
.ty-speed p{color:var(--muted);font-size:15px}

/* ---------- Inline icons / rating / report visual (refinement pass) ---------- */
.crhq-ic{vertical-align:-3px;flex:0 0 auto}
.trustbar .crhq-ic,.fc-foot .crhq-ic{color:var(--blue)}
.rating-strip{text-align:center;padding:0 24px 14px;display:flex;align-items:center;justify-content:center;gap:8px}
.rating-strip .stars{color:var(--star);font-size:17px;letter-spacing:2px}
.rating-strip .rlabel{font-size:13px;color:var(--muted);font-weight:700}
.report-visual{margin-top:26px;display:flex;align-items:center;gap:18px;max-width:400px}
.report-visual img{width:150px;height:auto;flex:0 0 auto}
.report-visual .rv-cap{font-size:14px;color:#C3D3E6;font-weight:600;line-height:1.5}
@media(max-width:760px){.report-visual img{width:120px}}

/* ---------- Hub: after-crash checklist (D4 DNA) ---------- */
.ck-head{max-width:880px;margin:0 auto;padding:46px 22px 8px;text-align:center}
.ck-head h1{font-size:34px;font-weight:800;letter-spacing:-.6px;margin-top:10px}
.ck-head p{color:var(--muted);font-size:16.5px;margin-top:12px;max-width:680px;margin-left:auto;margin-right:auto}
.ck-head p b{color:var(--ink)}
.ck-list{max-width:760px;margin:36px auto 0;padding:0 20px 60px}
.ck-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin-bottom:14px;display:flex;gap:16px;align-items:flex-start}
.ck-box{flex:0 0 28px;height:28px;border-radius:8px;border:2px solid #C6D2DE;margin-top:2px;display:flex;align-items:center;justify-content:center;font-weight:800;color:#fff;font-family:var(--font-head)}
.ck-item.done .ck-box{background:var(--green);border-color:var(--green)}
.ck-item h2{font-size:16.5px;margin:0 0 4px}
.ck-item p{font-size:14.5px;color:var(--muted);margin:0}
.ck-item.done h2{text-decoration:line-through;color:#7C8B9A}
.ck-feature{border:2px solid var(--cta);box-shadow:0 14px 40px rgba(255,107,53,.14);flex-direction:column;padding:0;overflow:hidden}
.ck-fhead{display:flex;gap:16px;align-items:flex-start;padding:20px 22px 6px}
.ck-feature .ck-box{background:var(--cta);border-color:var(--cta)}
.ck-badge{display:inline-block;background:#FFF0E9;color:#C24E1F;font-size:11.5px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;border-radius:100px;padding:4px 12px;margin-bottom:8px;font-family:var(--font-head)}
.ck-formwrap{padding:12px 22px 22px 66px}
.ck-formwrap .wpforms-form input[type=text],.ck-formwrap .wpforms-form input[type=tel],.ck-formwrap .wpforms-form input[type=email],.ck-formwrap .wpforms-form select{width:100%;min-height:48px;border:1.5px solid #D9E1EA;border-radius:10px;padding:0 14px;font-size:15px}
.ck-formwrap .wpforms-form input:focus,.ck-formwrap .wpforms-form select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-soft)}
.ck-formwrap .wpforms-field{padding:0 0 12px}
.ck-formwrap .wpforms-field-label{font-size:13.5px;font-weight:700;color:var(--ink)!important;margin-bottom:5px}
.ck-formwrap .wpforms-submit{width:100%;background:var(--cta)!important;color:#fff!important;border:none!important;border-radius:11px;font-family:var(--font-head);font-size:16.5px;font-weight:800;padding:15px;cursor:pointer;box-shadow:0 6px 16px rgba(255,107,53,.3)}
.ck-formwrap .wpforms-submit:hover{background:var(--cta-hover)!important}
.ck-formwrap label.wpforms-error{color:#D63638!important;font-size:13px!important;font-weight:400!important}
.ck-whyfree{font-size:12.5px;color:#166534;background:#F1FAF4;border-radius:9px;padding:9px 13px;margin-top:12px}
.ck-whyfree a{color:#166534}
.ck-formwrap .crhq-not-gov{text-align:left;margin:10px 0 0}
.ck-orcall{font-size:13.5px;color:var(--muted);margin-top:12px;text-align:center}
.ck-orcall a{color:var(--navy);font-weight:800;text-decoration:none}
@media(max-width:640px){.ck-head h1{font-size:26px}.ck-formwrap{padding-left:22px}}

/* ---------- Agency pages (DIY vs free compare) ---------- */
.ag-compare{max-width:1020px;margin:36px auto 0;padding:0 20px 40px;display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
.ag-col{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 26px 22px}
.ag-col h2{font-size:19px;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.ag-tag{font-size:11px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;background:#EEF2F7;color:#5B6B7B;border-radius:100px;padding:4px 12px;font-family:var(--font-head)}
.ag-tag-free{background:#E9F7EF;color:#166534}
.ag-us{border:2px solid var(--cta);box-shadow:0 14px 40px rgba(255,107,53,.13)}
.ag-facts{list-style:none;padding:0;margin:14px 0 0;display:grid;gap:10px}
.ag-facts li{font-size:14.5px;color:#33404E;line-height:1.55}
.ag-facts b{color:var(--navy)}
.ag-note{font-size:13.5px;color:var(--muted);background:var(--bg);border-radius:10px;padding:10px 14px;margin-top:14px}
.ag-updated{font-size:11.5px;color:#8695A5;margin-top:14px;line-height:1.5}
.ag-us-sub{font-size:14.5px;color:var(--muted);margin:10px 0 16px}
.ag-us .wpforms-form input[type=text],.ag-us .wpforms-form input[type=tel],.ag-us .wpforms-form input[type=email],.ag-us .wpforms-form select{width:100%;min-height:48px;border:1.5px solid #D9E1EA;border-radius:10px;padding:0 14px;font-size:15px}
.ag-us .wpforms-field{padding:0 0 12px}
.ag-us .wpforms-field-label{font-size:13.5px;font-weight:700;color:var(--ink)!important;margin-bottom:5px}
.ag-us .wpforms-submit{width:100%;background:var(--cta)!important;color:#fff!important;border:none!important;border-radius:11px;font-family:var(--font-head);font-size:16px;font-weight:800;padding:14px;cursor:pointer}
.ag-us label.wpforms-error{color:#D63638!important;font-size:13px!important}
@media(max-width:860px){.ag-compare{grid-template-columns:1fr}}

/* ---------- Mobile: header call button hidden (sticky bottom call bar covers mobile) ---------- */
@media(max-width:760px){.header-call{display:none}}