/* Kiwi Insurance — built on the Kiwi Mortgages design system · v1 · July 2026 */
:root{
  --bg:#FCF7E0;            /* Cream */
  --bg-elevated:#FFFFFF;
  --card:#FFFDF3;          /* Cream-tint card */
  --fg:#114733;            /* Native */
  --fg-muted:#4A6358;
  --accent:#EFC498;        /* Peach */
  --accent-hover:#EAB47F;  /* ~peach-300 */
  --accent-strong:#B85C38; /* Rust */
  --native-600:#1A5A42;
  --border:rgba(17,71,51,0.14);
  --cream-on-native:#F7F1DC;
  --muted-on-native:#CBDCD0;
  --sage:#D5E6DC;

  --shadow-xs:0 1px 3px rgba(17,71,51,0.06);
  --shadow-sm:0 2px 10px rgba(17,71,51,0.08);
  --shadow-md:0 8px 24px rgba(17,71,51,0.12);
  --shadow-lg:0 18px 48px rgba(17,71,51,0.16);

  --r-xs:6px; --r-sm:10px; --r-md:16px; --r-lg:24px; --r-xl:36px; --r-pill:999px;

  --display:"p22-mackinac-pro","Lora",Georgia,serif;
  --accent-italic:"Cormorant Garamond",Georgia,serif;
  --body:"Outfit",system-ui,sans-serif;

  --ease-out:cubic-bezier(0.22,1,0.36,1);
  --dur-fast:140ms; --dur-base:220ms; --dur-slow:400ms;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);font-weight:400;color:var(--fg);background:var(--bg);font-size:16px;line-height:1.55}
h1,h2,h3,h4{font-family:var(--display);font-weight:500;letter-spacing:-0.02em;line-height:1.1}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--body);font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--fg-muted)}
.dot{color:var(--accent-strong)}
.dot-peach{color:var(--accent)}
em.accent{font-family:var(--accent-italic);font-style:italic;font-weight:500;letter-spacing:0}

a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:var(--r-xs)}

.btn{display:inline-block;font-family:var(--body);font-weight:600;font-size:15px;padding:14px 28px;border-radius:var(--r-pill);text-decoration:none;transition:background var(--dur-fast) var(--ease-out),transform var(--dur-fast) var(--ease-out),box-shadow var(--dur-fast) var(--ease-out);border:0;cursor:pointer}
.btn:active{transform:scale(.98)}
.btn-native{background:var(--fg);color:var(--cream-on-native)}
.btn-native:hover{background:var(--native-600)}
.btn-peach{background:var(--accent);color:var(--fg)}
.btn-peach:hover{background:var(--accent-hover)}
.btn-ghost-cream{border:1px solid rgba(247,241,220,.5);color:var(--cream-on-native);background:transparent}
.btn-ghost-cream:hover{background:rgba(247,241,220,.08)}
.btn-ghost{border:1px solid var(--border);color:var(--fg);background:transparent}
.btn-ghost:hover{background:rgba(17,71,51,0.06)}

/* Reveal motion — fade + 12px up, staggered in JS */
.reveal{opacity:0;transform:translateY(12px);transition:opacity var(--dur-slow) var(--ease-out),transform var(--dur-slow) var(--ease-out)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none!important;animation:none!important}
  .reveal{opacity:1;transform:none}
}

/* Header */
header{position:sticky;top:0;z-index:50;background:var(--bg);transition:background var(--dur-base) var(--ease-out),box-shadow var(--dur-base) var(--ease-out)}
header.scrolled{background:rgba(252,247,224,.85);backdrop-filter:blur(10px);box-shadow:var(--shadow-xs)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo{font-family:var(--display);font-weight:500;font-size:22px;text-decoration:none;color:var(--fg);white-space:nowrap;display:flex;align-items:center}
.logo em{font-family:var(--accent-italic);font-style:italic;font-weight:600;margin-right:2px}
.logo img{height:32px;width:auto;display:block}
@media(max-width:480px){.logo img{height:26px}}
.nav-links{display:flex;gap:28px;list-style:none;align-items:center}
.nav-links a{text-decoration:none;font-size:15px;font-weight:500;color:var(--fg);transition:color var(--dur-fast) var(--ease-out)}
.nav-links a:hover{color:var(--accent-strong)}
.nav-links a.nav-complaints{color:var(--accent-strong);text-decoration:underline;text-underline-offset:3px}
.nav-links a.nav-complaints:hover{color:var(--fg)}
.nav-cta{display:flex;align-items:center;gap:18px}
.nav-phone{font-weight:600;font-size:15px;text-decoration:none;color:var(--fg)}
.nav-phone:hover{color:var(--accent-strong)}
.nav .btn{padding:10px 22px}
.menu-btn{display:none;background:none;border:1px solid var(--border);border-radius:var(--r-sm);padding:9px 11px;color:var(--fg)}
.mobile-menu{display:none;background:var(--card);box-shadow:var(--shadow-md);border-radius:0 0 var(--r-md) var(--r-md);padding:10px 24px 20px}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:12px 0;text-decoration:none;font-weight:500;font-size:16px;border-bottom:1px solid var(--border)}
.mobile-menu li:last-child a{border-bottom:0}
.mobile-menu a.nav-complaints{color:var(--accent-strong);font-weight:600}
.mobile-menu.open{display:block}
@media(max-width:940px){
  .nav-links,.nav-phone{display:none}
  .menu-btn{display:inline-flex;align-items:center}
}

/* Hero — native feature panel on cream */
.hero-outer{padding:20px 0 0}
.hero{background:var(--fg);color:var(--cream-on-native);border-radius:var(--r-xl);padding:88px 72px 80px;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
@media(max-width:700px){.hero{padding:56px 28px 52px;border-radius:var(--r-lg)}}
.hero .eyebrow{color:var(--accent)}
.hero h1{font-size:clamp(42px,6.4vw,72px);margin:20px 0 22px;max-width:14ch;color:#FCF7E0}
.hero p{max-width:52ch;font-size:18px;color:var(--muted-on-native)}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:36px}
.hero-trust{margin-top:48px;display:flex;gap:12px 30px;flex-wrap:wrap;font-size:14px;color:var(--muted-on-native)}
.hero-trust span{display:flex;align-items:center;gap:8px}
.hero-trust svg{flex:none;color:var(--accent)}

/* Page hero — cream, for interior pages */
.page-hero .wrap{padding:80px 24px 0}
.page-hero h1{font-size:clamp(40px,5.6vw,64px);margin-top:16px;max-width:16ch}
.page-hero p{margin-top:20px;font-size:18px;color:var(--fg-muted);max-width:56ch}

/* Why us / cards */
.props .wrap{padding:112px 24px 0}
.props h2{font-size:clamp(30px,4vw,44px);margin-top:14px}
.props-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
@media(max-width:820px){.props-grid{grid-template-columns:1fr}}
.prop{background:var(--card);border-radius:var(--r-md);padding:32px 30px;box-shadow:var(--shadow-sm);transition:transform var(--dur-fast) var(--ease-out),box-shadow var(--dur-fast) var(--ease-out)}
.prop:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.prop svg{color:var(--fg);margin-bottom:18px}
.prop h3{font-size:22px;margin-bottom:10px}
.prop p{color:var(--fg-muted);font-size:15.5px}

/* Covers */
.covers .wrap{padding:112px 24px 0}
.covers-head{max-width:58ch}
.covers h2{font-size:clamp(30px,4vw,44px);margin-top:14px}
.covers-head p{margin-top:14px;color:var(--fg-muted);font-size:18px;max-width:52ch}
.covers-body{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start;margin-top:52px}
@media(max-width:920px){.covers-body{grid-template-columns:1fr;gap:0}}
.cover-rail{position:sticky;top:100px;list-style:none;display:flex;flex-direction:column;gap:6px}
@media(max-width:920px){.cover-rail{display:none}}
.cover-rail a{display:block;text-decoration:none;font-weight:500;font-size:15.5px;color:var(--fg-muted);padding:11px 18px;border-radius:var(--r-pill);transition:background var(--dur-fast) var(--ease-out),color var(--dur-fast) var(--ease-out)}
.cover-rail a:hover{background:rgba(17,71,51,0.06);color:var(--fg)}
.cover-rail a.active{background:var(--fg);color:var(--cream-on-native)}
.cover-item{background:var(--card);border-radius:var(--r-lg);padding:40px 42px;margin-bottom:24px;box-shadow:var(--shadow-sm);scroll-margin-top:110px}
.cover-item:last-child{margin-bottom:0}
@media(max-width:700px){.cover-item{padding:28px 24px}}
.chip{display:inline-block;font-size:13px;font-weight:600;color:var(--fg);background:var(--sage);padding:6px 14px;border-radius:var(--r-pill);margin-bottom:16px}
.chip-peach{background:#FAE9D3}
.cover-item h3{font-size:26px;margin-bottom:14px}
.cover-item p{color:var(--fg-muted);margin-bottom:12px}
.cover-item p:last-of-type{margin-bottom:0}
.cover-item ul{margin:6px 0 14px 20px;color:var(--fg-muted)}
.cover-item li{margin-bottom:6px}

/* Process — kit "— 01" pattern */
.process .wrap{padding:112px 24px 0}
.process h2{font-size:clamp(30px,4vw,44px);margin-top:14px}
.process-head p{margin-top:14px;color:var(--fg-muted);font-size:18px;max-width:52ch}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:36px 28px;margin-top:52px}
.step-num{display:flex;align-items:center;gap:10px;font-family:var(--body);font-weight:600;font-size:14px;letter-spacing:.16em;color:var(--accent-strong)}
.step-num::before{content:"";width:28px;height:2px;background:var(--accent-strong)}
.step h3{font-size:22px;margin:12px 0 8px}
.step p{color:var(--fg-muted);font-size:15px}

/* Native feature panel (FAQ, about band) */
.panel-outer .wrap{padding:112px 24px 0}
.panel{background:var(--fg);color:var(--cream-on-native);border-radius:var(--r-xl);padding:80px 72px;box-shadow:var(--shadow-md)}
.panel .eyebrow{color:var(--accent)}
.panel h2{font-size:clamp(30px,4vw,42px);margin-top:14px;color:#FCF7E0}
.panel p{color:var(--muted-on-native)}
@media(max-width:880px){.panel{padding:52px 28px;border-radius:var(--r-lg)}}
.faq-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:60px}
@media(max-width:880px){.faq-grid{grid-template-columns:1fr;gap:36px}}
.faq-intro p{margin-top:16px}
.faq-intro a{color:var(--cream-on-native)}
.panel details{border-bottom:1px solid rgba(247,241,220,.16)}
.panel summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-family:var(--display);font-weight:500;font-size:18px}
.panel summary::-webkit-details-marker{display:none}
.panel summary::after{content:"+";font-family:var(--body);font-weight:400;font-size:22px;color:var(--accent);flex:none;transition:transform var(--dur-base) var(--ease-out)}
.panel details[open] summary::after{transform:rotate(45deg)}
.panel details p{padding:0 0 20px;font-size:15.5px;max-width:60ch}

/* About page */
.story .wrap{padding:96px 24px 0}
.story-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media(max-width:820px){.story-grid{grid-template-columns:1fr;gap:28px}}
.story h2{font-size:clamp(30px,4vw,44px);margin-top:14px}
.story p{color:var(--fg-muted);margin-bottom:14px;font-size:16.5px}
.story p strong{color:var(--fg)}
.team .wrap{padding:112px 24px 0}
.team h2{font-size:clamp(30px,4vw,44px);margin-top:14px}
.team-head p{margin-top:14px;color:var(--fg-muted);font-size:18px;max-width:52ch}
.team-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:24px;margin-top:44px}
.person{background:var(--card);border-radius:var(--r-md);padding:20px 20px 26px;box-shadow:var(--shadow-sm);transition:transform var(--dur-fast) var(--ease-out),box-shadow var(--dur-fast) var(--ease-out)}
.person:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.person-photo{background:var(--sage);border-radius:var(--r-sm);overflow:hidden;aspect-ratio:1/1;display:flex;align-items:flex-end;justify-content:center;margin-bottom:18px}
.person-photo img{width:100%;height:100%;object-fit:cover;object-position:top center;display:block}
.person h3{font-size:22px}
.person .role{color:var(--fg-muted);font-size:14.5px;margin:4px 0 14px}
.person a{display:block;text-decoration:none;font-size:14.5px;font-weight:500;margin-bottom:6px;color:var(--fg)}
.person a:hover{color:var(--accent-strong)}
.panel-cta{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.panel-cta h2{max-width:20ch}
.panel-cta .btn{flex:none}

/* CTA */
.cta .wrap{padding:112px 24px;text-align:center}
.cta h2{font-size:clamp(32px,4.6vw,48px);max-width:22ch;margin:14px auto 0}
.cta p{margin-top:16px;color:var(--fg-muted);font-size:18px}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:32px}
.cta-contact{margin-top:22px;font-weight:500}
.cta-contact a{text-decoration:underline;text-underline-offset:3px}
.cta-contact a:hover{color:var(--accent-strong)}

/* Footer */
footer{background:var(--fg);color:var(--muted-on-native);font-size:14px}
footer .wrap{padding:64px 24px 40px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:44px;padding-bottom:44px;border-bottom:1px solid rgba(247,241,220,.14)}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr}}
.foot-logo{font-family:var(--display);font-weight:500;font-size:21px;color:#FCF7E0;margin-bottom:14px}
.foot-logo em{font-family:var(--accent-italic);font-style:italic;font-weight:600;margin-right:2px}
footer h4{font-family:var(--body);font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:#8FA99A;margin-bottom:16px}
footer ul{list-style:none}
footer li{margin-bottom:10px}
footer a{text-decoration:none}
footer a:hover{color:#FCF7E0}
.foot-complaint{margin-top:20px}
.foot-legal{padding-top:28px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#8FA99A;font-size:13px}