/* =====================================================================
   homeownersfg.com - corporate site
   Brand tokens come from assets/tokens.css, which is copied from
   lo-pages/assets/tokens.css at build. That file is the single source of
   truth for the palette and the type stack. Do not hardcode a brand hex
   here; if a value is missing, add it there so officer pages get it too.

   No framework, no third-party request. The only script on the page is
   the mobile menu toggle in the shell.
   ===================================================================== */

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--hfg-ink);
  background: var(--hfg-white);
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--hfg-teal-dark); }

.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--hfg-blue); color: #fff; padding: 12px 18px; z-index: 100;
}
.skip:focus { left: 0; }

:focus-visible { outline: 3px solid var(--hfg-teal-dark); outline-offset: 2px; }

.wrap { width: min(1160px, 100% - 48px); margin-inline: auto; }

/* ---------- eyebrow ----------
   Dunbar uppercase with wide tracking, never a monospace. Teal-dark rather
   than the official teal: #0EA0C1 is 2.9:1 on white and fails contrast at
   label sizes. Same rule the LO page and the design system follow. */
.eyebrow {
  font-family: var(--font-label);
  font-size: 12px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--hfg-teal-dark);
  margin: 0 0 10px;
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 13px 26px; border-radius: 999px;
  font-weight: 700; font-size: 16px; text-decoration: none;
  border: 2px solid transparent; cursor: pointer; white-space: nowrap;
}
.btn-lime { background: var(--hfg-lime); color: var(--hfg-ink); }
.btn-lime:hover { background: var(--hfg-lime-light); }
.btn-outline { border-color: currentColor; color: var(--hfg-blue); }
.btn-outline:hover { background: var(--hfg-off-white); }

/* ---------- header ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: var(--hfg-white);
  border-bottom: 1px solid var(--hfg-line);
}
.nav-in {
  width: min(1160px, 100% - 48px); margin-inline: auto;
  display: flex; align-items: center; gap: 28px;
  min-height: 74px;
}
.nav-logo { display: block; flex: none; }
.nav-logo img { width: 200px; height: auto; }
.nav-links { display: flex; gap: 26px; margin-left: auto; }
.nav-links a {
  color: var(--hfg-ink); text-decoration: none; font-weight: 500; font-size: 16px;
  padding: 6px 0; border-bottom: 2px solid transparent;
}
.nav-links a:hover { border-bottom-color: var(--hfg-teal); }
.nav-links a[aria-current="page"] { border-bottom-color: var(--hfg-lime); font-weight: 700; }
.nav-cta { flex: none; padding: 10px 22px; font-size: 15px; }

.nav-toggle { display: none; background: none; border: 0; padding: 10px; margin-left: auto; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--hfg-ink); margin: 5px 0; }
.nav-mobile { display: none; }

/* ---------- page head ---------- */
.phead { padding: clamp(46px, 6vw, 80px) 0 clamp(30px, 4vw, 48px); border-bottom: 1px solid var(--hfg-line); }
.phead h1 {
  font-family: var(--font-display);
  font-size: clamp(30px, 4.6vw, 50px); line-height: 1.12; font-weight: 800;
  letter-spacing: -0.015em; color: var(--hfg-blue); margin: 0 0 14px; max-width: 20ch;
}
.phead .lede { font-size: clamp(17px, 1.6vw, 20px); color: var(--hfg-gray-dark); margin: 0; max-width: 62ch; }

/* ---------- body ---------- */
.band { padding: clamp(40px, 5vw, 64px) 0; }
.prose { max-width: 68ch; }
.prose h2 { font-family: var(--font-display); font-size: clamp(22px, 2.6vw, 30px); color: var(--hfg-blue); margin: 34px 0 12px; }
.prose p { margin: 0 0 16px; }

/* ---------- stub notice ----------
   Deliberately plain. This is scaffolding, and it should look like
   scaffolding so nobody mistakes an empty page for a finished one. */
.stub {
  border: 1px dashed var(--hfg-line-strong);
  background: var(--hfg-off-white);
  border-radius: 10px;
  padding: 22px 24px;
  max-width: 68ch;
}
.stub p { margin: 0; color: var(--hfg-gray-dark); }
.stub .stub-h { font-weight: 700; color: var(--hfg-ink); margin-bottom: 6px; }

/* ---------- footer ---------- */
.foot { background: var(--hfg-blue-dark); color: var(--hfg-white); margin-top: 40px; }
.foot-in {
  width: min(1160px, 100% - 48px); margin-inline: auto;
  display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: 34px;
  padding: clamp(40px, 5vw, 60px) 0 34px;
}
.foot-logo { width: 190px; margin-bottom: 16px; }
.foot-addr { color: #C8D6E2; font-size: 15px; margin: 0 0 18px; }
.foot-ehl { width: 40px; }
.foot h5 {
  font-family: var(--font-label);
  font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--hfg-lime); margin: 0 0 12px; font-weight: 700;
}
.foot ul { list-style: none; margin: 0; padding: 0; }
.foot li { margin-bottom: 9px; }
.foot li a { color: #D9E4EE; text-decoration: none; font-size: 15px; }
.foot li a:hover { color: var(--hfg-white); text-decoration: underline; }

.foot-legal {
  border-top: 1px solid rgba(255,255,255,0.14);
  width: min(1160px, 100% - 48px); margin-inline: auto;
  padding: 24px 0 40px;
}
.legal { color: #A9BCCD; font-size: 12.5px; line-height: 1.6; margin: 0 0 10px; max-width: 110ch; }
.legal a { color: #C8D6E2; }
.legal-dim { color: #8FA4B7; }
.legal-nav { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 14px; }
.legal-nav a { color: #C8D6E2; font-size: 13px; text-decoration: none; }
.legal-nav a:hover { text-decoration: underline; }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .foot-in { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 800px) {
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: block; }
  .nav-mobile { display: block; padding: 10px 0 22px; border-top: 1px solid var(--hfg-line); }
  .nav-mobile[hidden] { display: none; }
  .nav-mobile a {
    display: block; padding: 12px 24px; color: var(--hfg-ink);
    text-decoration: none; font-weight: 500;
  }
  .nav-mobile .btn { margin: 12px 24px 0; }
  .wrap, .nav-in, .foot-in, .foot-legal { width: min(1160px, 100% - 32px); }
}
@media (max-width: 560px) {
  .foot-in { grid-template-columns: 1fr; gap: 26px; }
}

@media print {
  .nav, .nav-mobile, .skip { display: none; }
  body { font-size: 12pt; }
}