/* Lesk Life Insurance — 2026 site styles */
:root{
  --navy:#1B2A41; --navy-deep:#0F1A2C; --gold:#8A6417; --gold-dark:#6E4F11; --gold-light:#E6B95C; --gold-tint:#F3EBD8;
  --cream:#F7F5F0; --line:#E3DED3; --ink:#1B2A41; --ink-soft:#3D4A5E; --muted:#6B6659; --on-dark:#D8D2C4; --on-dark-soft:#A9A297;
  --serif:'Libre Baskerville',Georgia,'Times New Roman',serif; --sans:'Source Sans 3',system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--gold);text-decoration:none}a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--serif);margin:0;line-height:1.2;color:var(--ink)}
p{margin:0}
ul,ol{margin:0;padding:0}
.serif{font-family:var(--serif)}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.eyebrow.light{color:var(--gold-light)}
.lead{font-size:19px;line-height:1.55;color:var(--ink-soft)}
.muted{color:var(--muted)}
.small{font-size:14px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:8px;top:8px}

/* Buttons */
.btn{display:inline-flex;white-space:nowrap;align-items:center;justify-content:center;min-height:50px;padding:12px 26px;border-radius:6px;font-weight:700;font-size:15px;border:0;cursor:pointer;font-family:var(--sans);text-align:center;transition:background .15s,color .15s}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-dark);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-deep);color:#fff}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:#EDE8DD;color:var(--navy)}
.btn-outline{border:2px solid var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border:2px solid var(--on-dark);color:#fff;background:transparent}.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-lg{min-height:56px;padding:14px 32px;font-size:16px}
.btn-row{display:flex;flex-wrap:wrap;gap:16px}
.arrow{font-weight:700;font-size:15px}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.brand{display:flex;flex-direction:column;gap:2px;color:var(--navy)}
.brand .name{font-family:var(--serif);font-size:22px;font-weight:700;color:var(--navy)}
.brand .tagline{white-space:nowrap;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700}
.brand img{height:56px;width:auto}
.nav{display:flex;gap:28px;align-items:center}
.nav a{color:var(--navy);font-size:15px;font-weight:600;letter-spacing:.02em;white-space:nowrap}.nav a:hover,.nav a[aria-current="page"]{color:var(--gold)}
.header-cta{display:flex;gap:20px;align-items:center}
.header-cta .phone{font-weight:700;font-size:16px;color:var(--navy);white-space:nowrap}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:28px;height:28px}

/* Sections */
.section{padding:72px 0}
.section-white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-navy{background:var(--navy);color:var(--on-dark)}
.section-navy h1,.section-navy h2,.section-navy h3{color:#fff}
.section-navy .lead,.section-navy p{color:var(--on-dark)}
.page-hero{padding:64px 0 56px}
.page-hero h1{font-size:46px;line-height:1.15;max-width:960px}
.page-hero .lead{max-width:880px;margin-top:8px}
.stack{display:flex;flex-direction:column;gap:14px}
.stack-lg{display:flex;flex-direction:column;gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px 64px;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.grid-2-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.center{align-items:center}
.section-title{display:flex;flex-direction:column;gap:10px;margin-bottom:36px}
.section-title h2{font-size:34px}
h2.h-md{font-size:32px}
h3.h-sm{font-size:22px;line-height:1.3}

/* Cards */
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:32px}
.card.tint{background:var(--cream);border:0}
.card.accent{border-color:var(--gold);border-width:2px}
.card.top-gold{border-top:4px solid var(--gold)}
.card.left-gold{border-left:6px solid var(--gold)}
.card h3{font-size:22px;line-height:1.3;margin-bottom:12px}
.card p{color:var(--ink-soft);font-size:16px}
.num-tag{font-family:var(--serif);font-size:15px;font-weight:700;color:var(--gold);display:block;margin-bottom:10px}
.big-num{font-family:var(--serif);font-size:30px;font-weight:700;color:var(--gold);width:48px;flex-shrink:0}
.service-row{display:flex;gap:24px;background:var(--cream);border-radius:10px;padding:32px}
.service-row .stack{gap:12px}

/* Hero */
.hero{padding:80px 0}
.hero .grid-2{align-items:center}
.hero h1{font-size:50px;line-height:1.12}
.stats{background:var(--navy);border-radius:14px;padding:40px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.stat .n{font-family:var(--serif);font-size:44px;font-weight:700;color:var(--gold-light);display:block;line-height:1.1;margin-bottom:8px}
.stat p{font-size:15px;line-height:1.5;color:var(--on-dark)}

/* Testimonial */
.quote{max-width:880px;margin:0 auto;display:flex;flex-direction:column;gap:20px;align-items:center;text-align:center}
.quote p{font-family:var(--serif);font-size:22px;line-height:1.55;font-style:italic;color:var(--ink)}
.quote cite{font-style:normal;font-size:15px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.section-navy .quote p{color:#fff}.section-navy .quote cite{color:var(--gold-light)}
.testimonial-card p{font-family:var(--serif);font-size:16px;font-style:italic;color:var(--ink);margin-bottom:16px}
.testimonial-card cite{font-style:normal;font-size:14px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}

/* CTA band */
.cta-band{background:var(--navy);padding:72px 0}
.cta-band .grid-2{align-items:center}
.cta-band h2{color:#fff;font-size:34px;line-height:1.25;margin-bottom:16px}
.cta-band p{color:var(--on-dark)}
.cta-band .btn-row{justify-content:flex-end}

/* Lists */
.steps{list-style:none;display:flex;flex-direction:column;gap:20px}
.steps li{display:flex;gap:16px;align-items:flex-start}
.steps li p{color:var(--ink-soft);font-size:16px}
.num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold-light);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0}
.checks{list-style:none;display:flex;flex-direction:column;gap:14px}
.checks li{display:flex;gap:12px;align-items:flex-start;color:var(--ink-soft);font-size:16px;line-height:1.5}
.checks svg{width:22px;height:22px;flex-shrink:0;margin-top:2px}
.bullets{padding-left:18px;display:flex;flex-direction:column;gap:8px;font-size:15px;line-height:1.55;color:var(--ink-soft)}

/* Table */
table{border-collapse:collapse;width:100%}
th,td{text-align:left;padding:14px 16px;font-size:16px;border-bottom:1px solid var(--line)}
th{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
td:last-child,th:last-child{text-align:right;font-weight:700}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-top:6px solid var(--gold);border-radius:10px;padding:32px;display:flex;flex-direction:column;gap:14px}
.form-card h2{font-size:22px}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:700;color:var(--ink)}
.field input,.field select,.field textarea{font:inherit;font-weight:400;font-size:16px;padding:12px 14px;border:1px solid #C9C3B6;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.field input[type=file]{padding:10px}
.two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.hidden{display:none}
.privacy-note{font-size:13px;line-height:1.5;color:var(--muted)}

/* Contact rows */
.rows{display:flex;flex-direction:column}
.row{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.row:last-child{border-bottom:0}
.row .k{width:140px;flex-shrink:0;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700;padding-top:3px}
.row .v{font-size:17px;line-height:1.5}
.row a.v{color:var(--navy);font-weight:700}
.map{width:100%;aspect-ratio:16/9;border:0;border-radius:12px;background:var(--line)}

/* Insights */
.post{display:flex;flex-direction:column;gap:12px}
.post .date{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700}
.post h2{font-size:21px;line-height:1.3;margin:0}
.post h2 a{color:var(--ink)}.post h2 a:hover{color:var(--gold)}
.tag{align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);background:var(--gold-tint);padding:4px 10px;border-radius:4px}
.post.archive{flex-direction:row;align-items:center;gap:24px;padding:20px 28px}
.post.archive h2{font-size:17px;flex-grow:1}

/* Photo slot */
.photo{border-radius:12px;overflow:hidden;background:var(--line)}
.photo img{width:100%;height:auto;object-fit:cover}
.credentials{margin-top:16px}
.credentials span{display:block;font-size:15px;line-height:1.6}

/* Footer */
.site-footer{background:var(--navy-deep);color:var(--on-dark);padding:56px 0 40px}
.site-footer a{color:var(--on-dark)}.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:48px;margin-bottom:32px}
.footer-grid>div{display:flex;flex-direction:column;gap:10px;font-size:15px;line-height:1.6}
.footer-grid .name{font-family:var(--serif);font-size:20px;font-weight:700;color:#fff}
.footer-grid .label{font-weight:700;color:#fff;letter-spacing:.08em;text-transform:uppercase;font-size:13px}
.disclosure{font-size:12px;line-height:1.65;color:var(--on-dark-soft);border-top:1px solid #2A3A54;padding-top:24px}
.copyright{font-size:12px;color:var(--on-dark-soft);margin-top:16px;display:flex;flex-wrap:wrap;gap:8px 20px}
.copyright a{color:var(--on-dark-soft)}

/* Prose (privacy, articles) */
.prose{max-width:800px}
.prose h2{font-size:26px;margin:36px 0 12px}
.prose p,.prose li{color:var(--ink-soft);margin-bottom:14px}
.prose ul{padding-left:20px}

/* Responsive */
@media (max-width:1180px){
  .nav{gap:18px}
  .header-cta .phone{display:none}
}
@media (max-width:1024px){
  .hero h1{font-size:42px}
  .page-hero h1{font-size:38px}
  .grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .header-cta .phone{display:none}
}
@media (max-width:860px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0}
  .nav.open{display:flex}
  .nav a{padding:14px 24px;border-top:1px solid var(--line)}
  .nav-toggle{display:block}
  .header-cta .btn{display:none}
  .brand .tagline{display:none}
  .grid-2,.grid-2-cards,.two,.stats,.grid-2[style]{grid-template-columns:1fr !important}
  .grid-2{gap:40px}
  .hero{padding:56px 0}
  .hero h1{font-size:36px}
  .section{padding:56px 0}
  .cta-band .btn-row{justify-content:flex-start}
  .service-row{flex-direction:column;gap:12px}
  .post.archive{flex-direction:column;align-items:flex-start;gap:8px}
}
@media (max-width:560px){
  .grid-3,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:32px}
  .page-hero h1{font-size:32px}
  .section-title h2,.cta-band h2,h2.h-md{font-size:28px}
  .quote p{font-size:19px}
  .stats{padding:28px}
  .stat .n{font-size:36px}
  .row{flex-direction:column;gap:4px}
  .row .k{width:auto}
  .card{padding:24px}
}