/* ==========================================================================
   pbhatia.ca — Pankaj Bhatia, Licensed Insurance Advisor
   BRAND COLOURS: change these two lines to re-colour the whole site.
   ========================================================================== */
:root{
  --brand:#E22658;          /* primary (buttons, accents) - original pbhatia.ca accent */
  --navy:#111111;           /* dark (top bar, hero, footer) - original pbhatia.ca black */

  --brand-dark:color-mix(in srgb,var(--brand) 82%,#000);
  --brand-soft:color-mix(in srgb,var(--brand) 9%,#fff);
  --navy-2:color-mix(in srgb,var(--navy) 88%,#fff);
  --ink:#1B2433;
  --muted:#5B6576;
  --line:#E4E7EE;
  --bg:#FFFFFF;
  --bg-alt:#F6F7FA;
  --wa:#1DA851;
  --radius:14px;
  --shadow:0 1px 2px rgba(14,30,58,.06),0 8px 24px rgba(14,30,58,.07);
  --wrap:1180px;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --display:"DM Serif Display",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-underline-offset:3px}
a:hover{color:var(--brand-dark)}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-family:var(--display);font-weight:400;font-size:clamp(2rem,4.4vw,3.3rem);letter-spacing:-.01em}
h2{font-family:var(--display);font-weight:400;font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy);color:#cfd6e4;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:40px}
.topbar a{color:#fff;text-decoration:none}
.topbar .tb-info{display:flex;gap:22px;flex-wrap:wrap}
.topbar .tb-info span{opacity:.85}
.tb-actions{display:none}
@media(max-width:820px){
  .topbar .tb-info{display:none}
  .topbar .wrap{justify-content:center;padding:6px 10px}
  .tb-actions{display:flex;gap:8px;width:100%}
  .tb-actions a{flex:1;display:flex;align-items:center;justify-content:center;gap:5px;padding:7px 4px;border-radius:999px;font-weight:600;font-size:.8rem;white-space:nowrap;background:rgba(255,255,255,.1);color:#fff}
  .tb-actions a.wa{background:var(--wa)}
  .tb-actions a.call{background:var(--brand)}
}
.ico{width:16px;height:16px;fill:currentColor;flex:none}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand .mark{width:46px;height:46px;flex:none}
.brand b{display:block;font-family:var(--display);font-weight:400;font-size:1.32rem;line-height:1.1}
.brand small{display:block;color:var(--muted);font-size:.76rem;letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:4px}
.nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.94rem;padding:10px 12px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--brand);background:var(--brand-soft)}
.nav .btn{margin-left:8px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:9px 11px;cursor:pointer}
.menu-btn span{display:block;width:22px;height:2px;background:var(--navy);margin:4px 0;transition:.2s}
@media(max-width:1020px){
  .menu-btn{display:block}
  .nav{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .nav.open{display:flex}
  .nav a{padding:13px 10px;border-bottom:1px solid var(--line);border-radius:0}
  .nav .btn{margin:12px 0 0;text-align:center}
}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--brand);color:#fff!important;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:999px;border:2px solid var(--brand);transition:.18s;cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{background:var(--brand-dark);border-color:var(--brand-dark)}
.btn.ghost{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff!important}
.btn.light{background:#fff;color:var(--navy)!important;border-color:#fff}
.btn.wa{background:var(--wa);border-color:var(--wa)}
.btn.sm{padding:9px 16px;font-size:.9rem}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1200px 500px at 85% -10%,var(--brand-soft),transparent 60%),linear-gradient(180deg,#fff,var(--bg-alt));padding:56px 0 64px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);background:var(--brand-soft);padding:6px 12px;border-radius:999px;margin-bottom:16px}
.hero .lead{font-size:1.15rem;color:var(--muted);max-width:40em}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 18px}
.trust{display:flex;gap:18px;flex-wrap:wrap;list-style:none;padding:0;margin:18px 0 0;color:var(--navy);font-weight:600;font-size:.92rem}
.trust li{display:flex;align-items:center;gap:8px}
.trust li::before{content:"";width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/12px no-repeat;flex:none}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:26px}
.hero-card h2{font-size:1.5rem;margin-bottom:6px}
.hero-card p{color:var(--muted);font-size:.95rem}
.pick{display:grid;gap:10px;margin-top:14px}
.pick a{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:16px 18px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:700;transition:.18s}
.pick a small{display:block;font-weight:500;color:var(--muted);font-size:.85rem}
.pick a:hover{border-color:var(--brand);background:var(--brand-soft)}
.pick a::after{content:"→";color:var(--brand);font-size:1.3rem}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero{padding:36px 0 44px}}

/* Page hero (inner pages) */
.page-hero{background:var(--navy);color:#dfe5f0;padding:40px 0 44px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:var(--brand);opacity:.16}
.page-hero h1{color:#fff;max-width:22em}
.page-hero .lead{font-size:1.1rem;max-width:44em;color:#c7d0e0}
.crumbs{font-size:.85rem;margin-bottom:14px;color:#9fb0c9}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-hero .hero-cta{margin-bottom:0}

/* ---------- Sections ---------- */
section.block{padding:64px 0}
section.alt{background:var(--bg-alt)}
.section-head{max-width:760px;margin-bottom:30px}
.section-head p{color:var(--muted)}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 1px 2px rgba(14,30,58,.04)}
.card h3{margin-bottom:8px}
.card p:last-child{margin-bottom:0}
.card .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--brand-soft);color:var(--brand);font-weight:800;margin-bottom:12px}
a.card{text-decoration:none;color:inherit;transition:.18s}
a.card:hover{border-color:var(--brand);transform:translateY(-2px);box-shadow:var(--shadow)}
a.card .more{color:var(--brand);font-weight:700}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{position:relative;padding-left:30px;margin:0 0 10px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/12px no-repeat}
.cols-2{columns:2;column-gap:32px}.cols-2 li{break-inside:avoid}
@media(max-width:620px){.cols-2{columns:1}}

/* Answer box (AEO) */
.answer{border-left:4px solid var(--brand);background:var(--brand-soft);padding:18px 22px;border-radius:0 12px 12px 0;margin:0 0 28px}
.answer strong:first-child{display:block;color:var(--navy);margin-bottom:4px;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}
.answer p:last-child{margin:0}

/* Content layout */
.content{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.95rem;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--bg-alt);color:var(--navy)}
.aside{position:sticky;top:96px;display:grid;gap:16px}
.aside .card{padding:22px}
.aside .card.dark{background:var(--navy);color:#cfd6e4;border:0}
.aside .card.dark h3{color:#fff}
.aside .btn{width:100%;margin-top:8px}
.toc ol{margin:0;padding-left:1.1em;font-size:.93rem}
.toc a{color:var(--navy);text-decoration:none}
.toc a:hover{color:var(--brand)}
@media(max-width:960px){.content{grid-template-columns:1fr}.aside{position:static}}

.note{background:#FFF8E6;border:1px solid #F2DFA8;border-radius:12px;padding:16px 20px;font-size:.95rem}
.updated{font-size:.85rem;color:var(--muted)}

/* Quote engine slot */
.quote-zone{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:22px;margin-top:-30px;position:relative;z-index:2}
.quote-zone-head{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:12px}
.quote-zone-head h2{font-family:var(--font);font-weight:800;font-size:1.2rem;margin:0}
.quote-zone-head span{font-size:.85rem;color:var(--muted)}
.widget-mount{min-height:220px}
.results-block{padding-top:36px}

/* FAQ */
.faq{display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 20px;transition:.18s}
.faq details[open]{border-color:var(--brand);box-shadow:var(--shadow)}
.faq summary{list-style:none;cursor:pointer;padding:18px 34px 18px 0;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.6rem;color:var(--brand);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 0 18px;color:#384254}
.faq .a p:last-child{margin:0}
.faq-cat{margin:40px 0 14px;font-family:var(--font);font-size:1.25rem;font-weight:800}
.faq-cat:first-child{margin-top:0}

/* Testimonials */
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.quote-card p{font-size:1.02rem}
.quote-card .who{font-weight:700;color:var(--navy)}
.quote-card .stars{color:#F2B01E;letter-spacing:2px;margin-bottom:8px}

/* Advisor strip */
.advisor{display:grid;grid-template-columns:220px 1fr;gap:32px;align-items:center}
.advisor .ph{width:220px;aspect-ratio:1;border-radius:20px;background:var(--navy) center/cover;overflow:hidden;box-shadow:var(--shadow)}
.advisor .ph img{width:100%;height:100%;object-fit:cover}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 0;padding:0;list-style:none}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:.88rem;font-weight:600;color:var(--navy)}
@media(max-width:700px){.advisor{grid-template-columns:1fr}.advisor .ph{width:160px}}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#dbe2ee;border-radius:22px;padding:40px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{margin:0}
.cta-band .acts{display:flex;gap:10px;flex-wrap:wrap}
@media(max-width:760px){.cta-band{grid-template-columns:1fr;padding:28px}}

/* Forms */
.form{display:grid;gap:12px}
.form label{font-weight:600;font-size:.9rem;color:var(--navy)}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1px solid #CBD2DE;border-radius:10px;font:inherit;font-size:1rem;background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--brand);border-color:transparent}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.form .row{grid-template-columns:1fr}}
.form small{color:var(--muted)}

/* Blog list */
.post-card .meta{font-size:.82rem;color:var(--muted);margin-bottom:6px;text-transform:uppercase;letter-spacing:.05em;font-weight:700}

/* Footer */
.site-footer{background:var(--navy);color:#b9c3d6;font-size:.94rem;padding:56px 0 0;margin-top:0}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:14px}
.f-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:32px}
.f-grid ul{list-style:none;padding:0;margin:0}
.f-grid li{margin:0 0 8px}
@media(max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.f-grid{grid-template-columns:1fr}}
.cities{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:22px;font-size:.88rem}
.disclaimer{font-size:.8rem;color:#8e9ab0;border-top:1px solid rgba(255,255,255,.1);margin-top:22px;padding:20px 0}
.f-bottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);padding:18px 0 26px;font-size:.84rem;color:#8e9ab0}

/* Floating WhatsApp (desktop) */
.wa-float{position:fixed;right:20px;bottom:20px;z-index:60;width:58px;height:58px;border-radius:50%;background:var(--wa);display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.wa-float svg{width:30px;height:30px;fill:#fff}
@media(max-width:820px){.wa-float{display:none}}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.topbar,.site-header,.wa-float,.site-footer,.aside,.quote-zone{display:none!important}}