/* NIV Insurance Solutions — Puerto Rico life insurance landing page
   Design system inherited from the NIV brand kit. Do not redesign.
   Palette sampled from the logo kit; cream confirmed against her onboarding
   design direction (#FDF9EF). */

:root {
  --cream:       #FDF9EF;
  --cream-deep:  #F5EEE0;
  --cream-line:  #E4D8C2;
  --gold:        #D6A347;
  --gold-deep:   #A97C27;
  --gold-soft:   #EFDFBC;
  --brown:       #2A1D12;
  --brown-deep:  #191009;
  --ink:         #4A3A2A;
  --ink-soft:    #6E5B47;
  --white:       #FFFFFF;

  --display: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --body: "Archivo", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --wrap: 1140px;
  --radius: 4px;
  --shadow: 0 1px 2px rgba(42, 29, 18, .06), 0 8px 28px rgba(42, 29, 18, .09);
  --shadow-lift: 0 2px 4px rgba(42, 29, 18, .07), 0 18px 44px rgba(42, 29, 18, .14);
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--gold-deep); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 22px; }

.serif { font-family: var(--display); font-weight: 400; }
.italic { font-style: italic; }

/* ---------- header: logo only, no navigation ---------- */

.site-header {
  padding: 22px 0 18px;
  border-bottom: 1px solid var(--cream-line);
  background: var(--cream);
}
.site-header .wrap { display: flex; justify-content: center; }
.site-header img { width: 232px; height: auto; }

/* ---------- hero ---------- */

.hero { padding: 26px 0 8px; }

/* Mobile order is deliberate: headline, one-line promise, THEN the form.
   The portrait comes after. The brief requires the form above the fold and a
   full-height portrait swallows it. */
.hero-grid {
  display: grid;
  gap: 22px;
  grid-template-areas:
    "copy"
    "form"
    "portrait";
}
.hero-copy     { grid-area: copy; }
.hero-form-col { grid-area: form; }
.hero-portrait { grid-area: portrait; }

.hero h1 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(2.35rem, 8.2vw, 3.9rem);
  line-height: 1.03;
  letter-spacing: -.018em;
  color: var(--brown);
  margin: 0 0 12px;
  text-wrap: balance;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold-deep);
}

.hero-sub {
  font-size: 1.06rem;
  line-height: 1.52;
  color: var(--ink-soft);
  margin: 0 0 20px;
  max-width: 34em;
  text-wrap: pretty;
}

.portrait-frame { position: relative; margin: 0; }
.portrait-frame img {
  width: 100%;
  /* Cropped to head-and-shoulders on mobile so it reads at a glance without
     taking a full screen; full frame returns at the desktop breakpoint. */
  aspect-ratio: 4 / 3;
  object-fit: cover;
  object-position: 50% 22%;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.portrait-frame::after {
  content: "";
  position: absolute;
  inset: 11px -11px -11px 11px;
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  z-index: -1;
}
.portrait-cap {
  margin: 16px 0 0;
  font-size: .84rem;
  letter-spacing: .075em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 600;
}
.portrait-cap span {
  display: block;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
  font-size: .95rem;
  color: var(--ink-soft);
  margin-top: 3px;
}

/* ---------- lead form ---------- */

.form-card {
  background: var(--white);
  border: 1px solid var(--cream-line);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 22px 20px 22px;
  box-shadow: var(--shadow);
}
.form-card h2 {
  font-family: var(--display);
  font-weight: 400;
  font-size: 1.53rem;
  line-height: 1.2;
  color: var(--brown);
  margin: 0 0 6px;
}
.form-card .form-lede {
  margin: 0 0 16px;
  font-size: .965rem;
  color: var(--ink-soft);
  line-height: 1.5;
}

.field { margin-bottom: 12px; }
.field label {
  display: block;
  font-size: .79rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 6px;
}
.field input {
  width: 100%;
  font-family: var(--body);
  font-size: 1.02rem;
  padding: 13px 14px;
  color: var(--brown);
  background: var(--cream);
  border: 1px solid var(--cream-line);
  border-radius: var(--radius);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input::placeholder { color: #A9997F; }
.field input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(214, 163, 71, .2);
}
.field input:user-invalid {
  border-color: #B4442F;
  box-shadow: 0 0 0 3px rgba(180, 68, 47, .13);
}

.btn {
  display: block;
  width: 100%;
  font-family: var(--body);
  font-size: 1.03rem;
  font-weight: 700;
  letter-spacing: .022em;
  color: var(--brown-deep);
  background: linear-gradient(178deg, #E5B85E 0%, var(--gold) 46%, #C08E33 100%);
  border: none;
  border-radius: var(--radius);
  padding: 16px 18px;
  margin-top: 6px;
  cursor: pointer;
  box-shadow: 0 2px 0 var(--gold-deep), var(--shadow);
  transition: transform .12s ease, box-shadow .12s ease, filter .12s ease;
}
.btn:hover { filter: brightness(1.045); }
.btn:active { transform: translateY(2px); box-shadow: 0 0 0 var(--gold-deep); }
.btn:focus-visible { outline: 3px solid var(--brown); outline-offset: 2px; }
.btn[disabled] { opacity: .6; cursor: progress; }

.form-note {
  margin: 13px 0 0;
  font-size: .8rem;
  line-height: 1.5;
  color: var(--ink-soft);
  text-align: center;
}

.form-status { margin: 14px 0 0; font-size: .93rem; line-height: 1.5; }
.form-status:empty { margin: 0; }
.form-status.is-ok {
  color: #2E6B45;
  background: #EAF4EE;
  border: 1px solid #BCDDC8;
  border-radius: var(--radius);
  padding: 12px 14px;
}
.form-status.is-err {
  color: #8E3623;
  background: #FBEDEA;
  border: 1px solid #E7C3B9;
  border-radius: var(--radius);
  padding: 12px 14px;
}

/* ---------- trust strip ---------- */

.trust {
  background: var(--brown);
  color: var(--cream);
  margin-top: 44px;
  padding: 26px 0;
}
.trust ul {
  list-style: none;
  margin: 0; padding: 0;
  display: grid;
  gap: 16px;
}
.trust li {
  font-size: .93rem;
  line-height: 1.4;
  padding-left: 22px;
  position: relative;
  color: #EFE6D6;
}
.trust li::before {
  content: "";
  position: absolute;
  left: 0; top: .52em;
  width: 9px; height: 9px;
  background: var(--gold);
  transform: rotate(45deg);
}
.trust strong { color: var(--white); font-weight: 600; }

/* ---------- sections ---------- */

section { scroll-margin-top: 20px; }

.band { padding: 62px 0; }
.band-cream { background: var(--cream); }
.band-deep { background: var(--cream-deep); }

.eyebrow {
  font-size: .77rem;
  font-weight: 700;
  letter-spacing: .17em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin: 0 0 12px;
}

h2.section-title {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(1.85rem, 5.6vw, 2.55rem);
  line-height: 1.13;
  letter-spacing: -.014em;
  color: var(--brown);
  margin: 0 0 14px;
  text-wrap: balance;
}
h2.section-title em { font-style: italic; color: var(--gold-deep); }

.section-lede {
  font-size: 1.06rem;
  color: var(--ink-soft);
  margin: 0 0 34px;
  max-width: 38em;
  text-wrap: pretty;
}

/* ---------- product cards ---------- */

/* A single rectangle divided by two hairlines — not three floating cards. */
.cards {
  display: grid;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--cream-line);
}

.card { padding: 30px 26px 28px; }
.card + .card { border-top: 1px solid var(--cream-line); }
.card-num {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.6rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 14px;
}
.card h3 {
  font-family: var(--display);
  font-weight: 400;
  font-size: 1.42rem;
  line-height: 1.2;
  color: var(--brown);
  margin: 0 0 10px;
}
.card p { margin: 0; font-size: .985rem; line-height: 1.6; color: var(--ink-soft); }

/* ---------- why nilsa ---------- */

.why-grid { display: grid; gap: 30px; }
.why p { font-size: 1.045rem; line-height: 1.68; margin: 0 0 18px; color: var(--ink); }
.why p:last-of-type { margin-bottom: 0; }

.pullquote {
  font-family: var(--display);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(1.4rem, 4.4vw, 1.85rem);
  line-height: 1.32;
  color: var(--brown);
  border-left: 2px solid var(--gold);
  padding: 4px 0 4px 22px;
  margin: 30px 0 0;
  text-wrap: pretty;
}

.creds { list-style: none; margin: 26px 0 0; padding: 0; }
.creds li {
  padding: 13px 0;
  border-bottom: 1px solid var(--cream-line);
  font-size: .96rem;
  color: var(--ink);
  display: flex;
  gap: 12px;
  align-items: baseline;
}
.creds li:first-child { border-top: 1px solid var(--cream-line); }
.creds li::before { content: "—"; color: var(--gold); flex: none; }

/* ---------- closing CTA ---------- */

.close-cta { background: var(--brown-deep); color: var(--cream); padding: 62px 0; }
.close-cta .eyebrow { color: var(--gold); }
.close-cta h2.section-title { color: var(--cream); }
.close-cta h2.section-title em { color: var(--gold); }
.close-cta .section-lede { color: #C6B69F; }

.close-grid { display: grid; gap: 30px; }

.site-footer {
  background: var(--brown);
  color: #B7A68E;
  padding: 44px 0 40px;
  border-top: 1px solid rgba(214, 163, 71, .22);
}
.site-footer img { width: 176px; margin-bottom: 22px; }
.footer-tag {
  font-family: var(--display);
  font-style: italic;
  color: var(--gold);
  font-size: 1.02rem;
  margin: 0 0 26px;
}
.disclaimer {
  font-size: .805rem;
  line-height: 1.62;
  margin: 0 0 22px;
  max-width: 62em;
  color: #9C8B74;
}
.footer-links {
  list-style: none; margin: 0 0 16px; padding: 0;
  display: flex; flex-wrap: wrap; gap: 8px 20px;
  font-size: .85rem;
}
.footer-links a { color: #C6B69F; text-decoration: none; border-bottom: 1px solid transparent; }
.footer-links a:hover { color: var(--gold); border-bottom-color: var(--gold); }
.copyright { font-size: .8rem; margin: 0; color: #8A7A65; }

/* ---------- legal sub-pages ---------- */

.legal { padding: 52px 0 68px; max-width: 44em; }
.legal h1 {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(2rem, 6vw, 2.7rem);
  color: var(--brown);
  line-height: 1.1;
  margin: 0 0 8px;
}
.legal .updated { color: var(--ink-soft); font-size: .9rem; margin: 0 0 34px; }
.legal h2 {
  font-family: var(--display);
  font-weight: 400;
  font-size: 1.4rem;
  color: var(--brown);
  margin: 34px 0 10px;
}
.legal p, .legal li { font-size: 1rem; line-height: 1.65; }
.legal ul { padding-left: 20px; }
.legal .back { display: inline-block; margin-top: 36px; font-size: .92rem; }

/* ---------- responsive ---------- */

@media (min-width: 720px) {
  .trust ul { grid-template-columns: repeat(2, 1fr); gap: 18px 34px; }
  .cards { grid-template-columns: repeat(3, 1fr); }
  .card + .card { border-top: none; border-left: 1px solid var(--cream-line); }
  .form-card { padding: 30px 28px 28px; }
}

@media (min-width: 940px) {
  body { font-size: 17.5px; }
  .hero { padding: 52px 0 10px; }
  .hero-sub { font-size: 1.115rem; margin-bottom: 26px; }
  .hero-grid {
    grid-template-columns: 1.02fr .98fr;
    grid-template-areas:
      "copy     form"
      "portrait form";
    column-gap: 56px;
    row-gap: 30px;
    align-items: start;
  }
  .hero-copy { padding-top: 6px; }
  .portrait-frame img { aspect-ratio: auto; object-fit: initial; }
  .hero-form-col { position: sticky; top: 24px; }
  .trust ul { grid-template-columns: repeat(4, 1fr); gap: 26px; }
  .trust li { font-size: .89rem; }
  .why-grid { grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: start; }
  .close-grid { grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
  .band { padding: 82px 0; }
  .close-cta { padding: 82px 0; }
}