/* Shared styles for the travel landing pages
   (snowbird-travel-insurance.html, annual-multi-trip-travel-insurance.html).
   Uses the site design tokens — see CLAUDE.md. Dark navy theme, matching the
   service pages. */

:root{
  --navy:#0a1628; --deep:#0d1f3c;
  --teal:#0e7c7b; --teal-light:#14a8a7;
  --gold:#c9973a; --gold-light:#e5b657;
  --cream:#f5f0e8; --white:#ffffff;
  --text-muted:#8a9ab5;
  --border:rgba(255,255,255,0.08);
  --soft:rgba(255,255,255,0.05);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--navy);color:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%}
picture{display:contents}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px;margin:0 auto;padding:0 24px}

/* ---------- nav ---------- */
header.site{position:sticky;top:0;z-index:50;background:rgba(10,22,40,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--border)}
header.site .bar{height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{font-family:'Playfair Display',serif;font-size:1.35rem;font-weight:900;text-decoration:none;white-space:nowrap}
.logo span{color:var(--gold)}
.navlinks{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.navlinks a{font-size:.9rem;text-decoration:none;color:var(--text-muted);font-weight:600}
.navlinks a:hover{color:var(--white)}
/* the Buy Online link is a primary path, not a secondary nav item, so it is
   gold and stays visible on mobile where the other text links are hidden */
.navlinks a.buy{color:var(--gold-light)}
/* buttons inside the nav must keep their own colours — `.navlinks a` would
   otherwise win on specificity and mute the button text */
.navlinks a.btn{padding:11px 18px;font-size:.88rem}
.navlinks a.btn-gold{color:var(--navy)}
.navlinks a.btn-out,.navlinks a.btn-teal{color:var(--white)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:10px;text-decoration:none;font-weight:700;padding:14px 24px;border:0;cursor:pointer;font-size:1rem;line-height:1.2}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--navy)}
.btn-teal{background:linear-gradient(135deg,var(--teal-light),var(--teal));color:#fff}
.btn-out{border:1px solid rgba(255,255,255,.28);color:var(--white);background:rgba(255,255,255,.06)}
.btn:hover{filter:brightness(1.06)}

/* ---------- hero ---------- */
.hero{background:radial-gradient(circle at 78% 22%,rgba(20,168,167,.22),transparent 38%),linear-gradient(135deg,#0a1628,#0d1f3c);padding:64px 0 52px}
.badge{display:inline-flex;gap:8px;align-items:center;color:var(--gold-light);background:rgba(201,151,58,.12);border:1px solid rgba(201,151,58,.35);padding:7px 14px;border-radius:999px;font-size:.76rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:20px}
h1{font-family:'Playfair Display',serif;font-size:clamp(2.1rem,4.6vw,3.3rem);line-height:1.08;margin-bottom:18px}
h1 em{font-style:normal;color:var(--teal-light)}
.lead{font-size:1.13rem;color:var(--text-muted);max-width:720px;margin-bottom:24px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:8px}
.trust{display:flex;align-items:center;gap:10px;margin-top:18px;font-size:.94rem;color:var(--gold-light);font-weight:600;flex-wrap:wrap}
.trust .stars{letter-spacing:2px}
.trust .who{color:#fff}

/* ---------- photo band ---------- */
.photo-band{position:relative;height:320px;overflow:hidden}
.photo-band img{width:100%;height:100%;object-fit:cover;display:block}
.photo-band .veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,15,30,.28),rgba(8,15,30,.78))}
.photo-band .cap{position:absolute;left:0;right:0;bottom:0;padding:32px 24px}
.photo-band .cap .t{font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;color:#fff;margin-bottom:4px}
.photo-band .cap .s{font-size:1rem;color:rgba(255,255,255,.85)}

/* ---------- sections ---------- */
section{padding:56px 0}
section.alt{background:linear-gradient(180deg,rgba(255,255,255,.03),transparent)}
h2{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,2.6vw,2.3rem);line-height:1.16;margin-bottom:14px}
h3{font-size:1.18rem;margin-bottom:8px;color:var(--white)}
p,li{color:var(--text-muted)}
section p{margin-bottom:16px}
ul,ol{padding-left:20px;margin-bottom:16px}
li{margin-bottom:9px}
strong{color:var(--white)}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-light);margin-bottom:12px}

/* ---------- dual path (buy online vs advisor) ---------- */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:28px 0 8px}
.path{background:var(--soft);border:1px solid var(--border);border-radius:16px;padding:28px;display:flex;flex-direction:column}
.path.buy{border-color:rgba(201,151,58,.38);background:linear-gradient(160deg,rgba(201,151,58,.12),rgba(255,255,255,.03))}
.path .tag{font-size:.72rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;margin-bottom:12px}
.path.buy .tag{color:var(--gold-light)}
.path.talk .tag{color:var(--teal-light)}
.path h3{font-family:'Playfair Display',serif;font-size:1.45rem;margin-bottom:10px}
.path ul{margin:4px 0 20px 18px}
.path .btn{margin-top:auto;width:100%}

/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:26px}
.card{background:var(--soft);border:1px solid var(--border);border-radius:14px;padding:24px}
.card .ico{font-size:1.6rem;margin-bottom:10px;display:block}
.card h3{font-size:1.08rem;margin-bottom:8px}
.card p{font-size:.95rem;margin:0}

/* ---------- buy-online provider rows ---------- */
.providers{display:flex;flex-direction:column;gap:12px;margin-top:22px}
.prov{display:flex;align-items:center;justify-content:space-between;gap:16px;background:var(--soft);border:1px solid var(--border);border-radius:12px;padding:18px 22px;text-decoration:none;transition:border-color .15s,transform .15s}
.prov:hover{border-color:rgba(201,151,58,.5);transform:translateY(-1px)}
.prov .name{display:block;font-weight:700;color:#fff;margin-bottom:3px}
.prov .sub{display:block;font-size:.88rem;color:var(--text-muted)}
.prov .go{white-space:nowrap;font-size:.82rem;font-weight:800;color:var(--navy);background:linear-gradient(135deg,var(--gold-light),var(--gold));padding:9px 15px;border-radius:8px}
.prov.secondary .go{background:rgba(255,255,255,.1);color:#fff;border:1px solid var(--border)}

/* ---------- table ---------- */
.table-scroll{overflow-x:auto;margin:24px 0}
table{width:100%;border-collapse:collapse;background:var(--soft);border-radius:12px;overflow:hidden;font-size:.96rem;min-width:560px}
th{background:rgba(255,255,255,.07);text-align:left;padding:14px 16px;font-size:.8rem;text-transform:uppercase;letter-spacing:.5px;color:#fff}
td{padding:13px 16px;border-bottom:1px solid var(--border);color:var(--text-muted)}
tr:last-child td{border-bottom:none}
td strong{color:#fff}

/* ---------- callout ---------- */
.callout{background:rgba(20,168,167,.1);border-left:4px solid var(--teal-light);border-radius:10px;padding:20px 24px;margin:26px 0}
.callout p{margin:0}
.callout strong{color:var(--teal-light)}

/* ---------- FAQ ---------- */
.faq{margin-top:24px}
.faq details{background:var(--soft);border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;color:#fff;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--gold-light);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 0}

/* ---------- form ---------- */
.form-card{background:linear-gradient(160deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border:1px solid var(--border);border-radius:18px;padding:32px}
.form-card h3{font-family:'Playfair Display',serif;font-size:1.5rem;margin-bottom:6px}
.form-card .sub{color:var(--text-muted);margin-bottom:22px;font-size:.96rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg{margin-bottom:14px;display:flex;flex-direction:column}
.fg label{font-size:.85rem;font-weight:600;color:#fff;margin-bottom:6px}
.fg input,.fg select,.fg textarea{background:rgba(10,22,40,.6);border:1px solid var(--border);border-radius:9px;padding:13px 14px;color:#fff;font-family:inherit;font-size:.98rem;width:100%}
.fg textarea{min-height:92px;resize:vertical}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--teal-light)}
.fg select option{background:var(--navy);color:#fff}
.submit-btn{width:100%;background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--navy);font-weight:800;font-size:1.05rem;padding:16px;border:0;border-radius:10px;cursor:pointer;margin-top:6px}
.form-disc{font-size:.8rem;color:var(--text-muted);margin-top:14px;text-align:center}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,rgba(14,124,123,.25),rgba(201,151,58,.14));border-top:1px solid var(--border);border-bottom:1px solid var(--border);text-align:center}
.cta-band p{max-width:680px;margin:0 auto 8px}

/* ---------- footer ---------- */
footer.site{padding:40px 0 30px;color:var(--text-muted);font-size:.86rem;border-top:1px solid var(--border);background:var(--deep)}
footer.site .cols{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap;margin-bottom:22px}
footer.site .flogo{font-family:'Playfair Display',serif;color:#fff;font-size:1.3rem;margin-bottom:8px}
footer.site .flogo span{color:var(--gold)}
footer.site a{color:var(--gold-light);text-decoration:none}
footer.site .legal{border-top:1px solid var(--border);padding-top:18px;font-size:.8rem;line-height:1.6}
.footer-social{display:flex;gap:16px;margin-top:10px}

/* ---------- disclaimer ---------- */
.disclaimer{font-size:.82rem;color:var(--text-muted);border-top:1px solid var(--border);padding-top:22px;margin-top:8px}

/* ---------- responsive ---------- */
@media(max-width:860px){
  .paths{grid-template-columns:1fr}
  .navlinks a:not(.btn){display:none}
  .navlinks a.buy{display:inline-block}
  /* let the bar grow instead of overflowing when the CTAs wrap */
  /* keep the .wrap side padding — a `padding:12px 0` shorthand here would
     zero it and push the logo and links against the screen edge */
  header.site .bar{height:auto;min-height:64px;padding:12px 24px;flex-wrap:wrap}
  .navlinks{gap:10px}
  .navlinks a.btn{padding:10px 14px;font-size:.84rem}
  .form-row{grid-template-columns:1fr}
  section{padding:44px 0}
  .photo-band{height:240px}
  .prov{flex-direction:column;align-items:flex-start;gap:12px}
  .prov .go{width:100%;text-align:center}
}