/* ==========================================================
   Emergency Medical Insurance — emergencymedicalinsurance.ca
   Design system: espresso black + saddle brown + copper
   ========================================================== */
:root{
  --ink:#15100c;          /* espresso black */
  --ink-2:#221912;        /* raised black-brown */
  --brown:#4a2c1a;        /* deep brown */
  --saddle:#8a5530;       /* saddle brown */
  --copper:#c07a3c;       /* copper accent (CTA) */
  --copper-hi:#d68e4c;
  --sand:#e9d8c2;
  --cream:#f8f2ea;        /* page */
  --paper:#ffffff;
  --text:#2a201a;
  --muted:#6e5d50;
  --line:#e3d5c4;
  --ok:#2f6b3f;
  --radius:14px;
  --shadow:0 10px 30px -12px rgba(21,16,12,.25);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --max:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--text);font:16px/1.65 var(--sans);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--saddle);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--copper)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.7rem,3vw,2.5rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:999;background:#fff;padding:8px 12px}
.eyebrow{display:inline-block;font:600 .78rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--copper);margin-bottom:14px}
.lead{font-size:1.15rem;color:var(--muted);max-width:62ch}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.9em 1.4em;border-radius:999px;font:600 .98rem/1 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.2s}
.btn-primary{background:var(--copper);color:#fff}
.btn-primary:hover{background:var(--copper-hi);color:#fff;transform:translateY(-1px)}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:var(--brown);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}
.btn-outline{border-color:var(--saddle);color:var(--saddle)}.btn-outline:hover{background:var(--saddle);color:#fff}

/* ---------- top bar + header ---------- */
.topbar{background:var(--ink);color:#d9c7b3;font-size:.86rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#f3e3cf;text-decoration:none}.topbar a:hover{color:var(--copper-hi)}
.topbar .tb-left{display:flex;gap:18px;flex-wrap:wrap}
.header{position:sticky;top:0;z-index:50;background:rgba(21,16,12,.96);backdrop-filter:blur(8px);border-bottom:1px solid #3a2a1f}
.header .container{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:#fff}
.brand img{height:52px;width:auto;display:block}
.brand-text{font-family:var(--serif);font-size:1.12rem;line-height:1.1;color:#fff}
.brand-text small{display:block;font:500 .7rem/1.3 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--copper-hi)}
.nav{display:flex;align-items:center;gap:4px}
.nav>ul{list-style:none;margin:0;padding:0;display:flex;gap:2px}
.nav>ul>li{position:relative}
.nav>ul>li>a,.nav>ul>li>button{display:block;padding:10px 13px;color:#efe2d3;text-decoration:none;font:500 .94rem/1 var(--sans);background:none;border:0;cursor:pointer;border-radius:8px}
.nav>ul>li>a:hover,.nav>ul>li>button:hover,.nav>ul>li>a[aria-current=page]{color:#fff;background:#2c2018}
.nav .has-sub>button::after{content:"";display:inline-block;margin-left:6px;border:4px solid transparent;border-top-color:currentColor;transform:translateY(2px)}
.sub{position:absolute;top:100%;left:0;min-width:270px;background:var(--paper);border-radius:12px;box-shadow:var(--shadow);padding:10px;list-style:none;margin:6px 0 0;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{opacity:1;visibility:visible;transform:none}
.sub a{display:block;padding:10px 12px;border-radius:8px;color:var(--text);text-decoration:none;font-size:.94rem}
.sub a small{display:block;color:var(--muted);font-size:.8rem}
.sub a:hover{background:var(--cream);color:var(--saddle)}
.nav-cta{margin-left:10px}
.menu-btn{display:none;background:none;border:1px solid #4a3a2e;color:#fff;border-radius:10px;padding:10px 12px;cursor:pointer}
@media (max-width:1060px){
  .menu-btn{display:block}
  .nav{position:fixed;inset:74px 0 0 0;background:var(--ink);flex-direction:column;align-items:stretch;padding:16px 20px 40px;overflow:auto;display:none}
  .nav.open{display:flex}
  .nav>ul{flex-direction:column}
  .nav>ul>li>a,.nav>ul>li>button{padding:14px 8px;font-size:1.05rem;width:100%;text-align:left}
  .sub{position:static;opacity:1;visibility:visible;transform:none;display:none;box-shadow:none;background:#21180f;margin:0 0 8px}
  .has-sub.open .sub{display:block}
  .sub a{color:#efe2d3}.sub a small{color:#b19b86}.sub a:hover{background:#2c2018;color:#fff}
  .nav-cta{margin:14px 0 0;justify-content:center}
  .topbar .tb-right{display:none}
}

/* ---------- hero ---------- */
.hero{position:relative;background:radial-gradient(1200px 500px at 85% -10%,#6b3f22 0%,transparent 60%),linear-gradient(160deg,var(--ink) 0%,#23170f 55%,var(--brown) 100%);color:#f3e6d6;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:22px 22px;pointer-events:none}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-top:72px;padding-bottom:80px}
.hero h1{color:#fff}
.hero h1 em{font-style:italic;color:var(--copper-hi)}
.hero .lead{color:#dccab6}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 22px}
.trust-row{display:flex;gap:22px;flex-wrap:wrap;font-size:.9rem;color:#cdb8a2}
.trust-row span::before{content:"✓";color:var(--copper-hi);margin-right:7px;font-weight:700}
.page-hero .container{grid-template-columns:1fr;padding-top:56px;padding-bottom:56px}
.crumbs{font-size:.85rem;color:#bfa78f;margin-bottom:16px}
.crumbs a{color:#e8d3bc;text-decoration:none}.crumbs a:hover{color:#fff}
@media (max-width:900px){.hero .container{grid-template-columns:1fr;padding-top:48px;padding-bottom:56px}}

/* quote card in hero */
.quote-card{background:var(--paper);color:var(--text);border-radius:20px;padding:26px;box-shadow:0 30px 60px -20px rgba(0,0,0,.55)}
.quote-card h2{font-size:1.45rem;margin-bottom:4px}
.quote-card p.small{color:var(--muted);font-size:.9rem;margin-bottom:18px}
.qc-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;background:var(--cream);padding:5px;border-radius:12px;margin-bottom:16px}
.qc-tabs button{border:0;background:none;padding:10px 6px;border-radius:9px;font:600 .85rem/1.2 var(--sans);color:var(--muted);cursor:pointer}
.qc-tabs button[aria-selected=true]{background:var(--ink);color:#fff}
.qc-panel{display:none}.qc-panel.active{display:block}
.qc-choice{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.qc-choice a{display:flex;flex-direction:column;align-items:center;gap:6px;padding:18px 10px;border:1.5px solid var(--line);border-radius:12px;text-decoration:none;color:var(--ink);font-weight:600;text-align:center;transition:.15s}
.qc-choice a:hover{border-color:var(--copper);background:#fff8f0;color:var(--saddle)}
.qc-choice svg{width:30px;height:30px;color:var(--copper)}
.qc-foot{margin-top:14px;font-size:.84rem;color:var(--muted);text-align:center}
.qc-foot a{font-weight:600}

/* ---------- sections ---------- */
section{padding:84px 0}
.section-alt{background:var(--paper)}
.section-dark{background:var(--ink);color:#e6d6c4}
.section-dark h2,.section-dark h3{color:#fff}
.section-dark .lead{color:#c8b39d}
.section-head{margin-bottom:44px}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:60px 0}}

.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.2s;position:relative}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:#d8c2a8}
.card .ico{width:50px;height:50px;border-radius:12px;background:linear-gradient(145deg,var(--brown),var(--ink));display:grid;place-items:center;margin-bottom:18px}
.card .ico svg{width:26px;height:26px;color:var(--copper-hi)}
.card h3 a{color:inherit;text-decoration:none}
.card h3 a::after{content:"";position:absolute;inset:0}
.card .more{font-weight:600;font-size:.92rem;color:var(--saddle)}
.card p{color:var(--muted)}

.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:minmax(0,1fr);gap:32px}}

.checklist{list-style:none;padding:0;margin:0 0 1em}
.checklist li{position:relative;padding-left:32px;margin-bottom:10px}
.checklist li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--copper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/12px no-repeat}
.cols-2{columns:2;column-gap:32px}@media (max-width:640px){.cols-2{columns:1}}

/* answer box — written for AI overviews / featured snippets */
.answer{background:var(--paper);border-left:5px solid var(--copper);border-radius:0 var(--radius) var(--radius) 0;padding:22px 26px;box-shadow:var(--shadow);margin:0 0 32px}
.answer>strong{display:block;font:600 .78rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--copper);margin-bottom:10px}
.answer p:last-child{margin:0}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#21180f;border:1px solid #3a2a1f;border-radius:var(--radius);padding:28px}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);font:600 2.2rem/1 var(--serif);color:var(--copper-hi);display:block;margin-bottom:14px}
.step p{color:#c8b39d;margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.stat{background:var(--paper);padding:26px;text-align:center}
.stat b{display:block;font:600 2rem/1.1 var(--serif);color:var(--saddle)}
.stat span{font-size:.9rem;color:var(--muted)}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}

/* insurer strip */
.insurers{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.insurers span{padding:10px 16px;border:1px solid var(--line);border-radius:999px;background:var(--paper);font-size:.9rem;font-weight:500;color:var(--brown)}

/* tables */
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper)}
table{width:100%;border-collapse:collapse;min-width:560px}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;font-size:.95rem}
th{background:var(--ink);color:#fff;font-weight:600}
tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#fbf7f2}

/* testimonials */
.quote{background:var(--paper);border-radius:var(--radius);padding:26px;border:1px solid var(--line);margin:0}
.quote p{font-family:var(--serif);font-size:1.08rem;color:var(--ink)}
.quote cite{font-style:normal;font-weight:600;color:var(--saddle);font-size:.92rem}
.quote cite span{display:block;font-weight:400;color:var(--muted)}

/* advisor */
.advisor{display:grid;grid-template-columns:260px 1fr;gap:40px;align-items:center}
.advisor-photo{width:260px;aspect-ratio:4/5;border-radius:18px;object-fit:cover;background:linear-gradient(160deg,var(--brown),var(--ink));box-shadow:var(--shadow)}
@media (max-width:760px){.advisor{grid-template-columns:1fr}.advisor-photo{width:200px}}

/* faq */
.faq{max-width:880px;margin:0 auto}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:18px 54px 18px 22px;font-weight:600;color:var(--ink);list-style:none;position:relative;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--copper);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .a{padding:16px 22px 20px;color:var(--muted)}
.faq .a p:last-child{margin:0}
.faq-group{margin-bottom:40px}.faq-group h2{font-size:1.6rem;margin-bottom:18px}

/* prose */
.prose{max-width:780px}
.prose h2{margin-top:1.6em}.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.layout-side{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.sidebar{position:sticky;top:96px;display:grid;gap:18px}
.side-card{background:var(--ink);color:#e6d6c4;border-radius:var(--radius);padding:24px}
.side-card h3{color:#fff;font-size:1.2rem}
.side-card .btn{width:100%;justify-content:center;margin-top:8px}
.side-links{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.side-links ul{list-style:none;margin:0;padding:0}
.side-links a{display:block;padding:8px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text);font-size:.94rem}
.side-links li:last-child a{border:0}
.side-links a:hover{color:var(--copper)}
@media (max-width:980px){.layout-side{grid-template-columns:minmax(0,1fr)}.sidebar{position:static}}

/* quote engine slot */
.quote-engine{background:var(--paper);border:2px dashed var(--line);border-radius:var(--radius);padding:28px;text-align:center}

/* forms */
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){.form .row{grid-template-columns:1fr}}
label{font-weight:600;font-size:.9rem;color:var(--ink);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff;color:var(--text)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--copper);box-shadow:0 0 0 3px rgba(192,122,60,.18)}
.hp{position:absolute;left:-5000px}
.form-note{font-size:.82rem;color:var(--muted)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--brown),var(--ink));color:#eadccb;border-radius:22px;padding:48px;display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band p{margin:0;color:#d5c1ab}

/* footer */
.footer{background:#0e0a07;color:#b8a48f;padding:64px 0 28px;font-size:.93rem}
.footer h3{color:#fff;font:600 .82rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
.footer a{color:#dcc9b4;text-decoration:none}.footer a:hover{color:var(--copper-hi)}
.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:9px}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
@media (max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.f-grid{grid-template-columns:1fr}}
.f-areas{margin-top:36px;padding-top:24px;border-top:1px solid #2a1f17;font-size:.85rem}
.f-legal{margin-top:24px;padding-top:20px;border-top:1px solid #2a1f17;font-size:.8rem;color:#8f7b68}
.f-legal p{margin:0 0 8px}
.social{display:flex;gap:10px;margin-top:14px}
.social a{width:38px;height:38px;border-radius:50%;border:1px solid #3a2a1f;display:grid;place-items:center}
.social svg{width:17px;height:17px}

/* mobile sticky call bar */
.callbar{display:none}
@media (max-width:760px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--ink);border-top:1px solid #3a2a1f}
  .callbar a{padding:14px;text-align:center;color:#fff;text-decoration:none;font-weight:600;font-size:.95rem}
  .callbar a+a{background:var(--copper)}
  body{padding-bottom:52px}
}
.grecaptcha-badge{visibility:hidden}
.recaptcha-note{font-size:.75rem;color:var(--muted)}
.updated{font-size:.85rem;color:var(--muted)}
@media (max-width:600px){
  .topbar .tb-left a:nth-child(n+2){display:none}
  .brand img{height:32px}
  .brand-text{font-size:1rem}.brand-text small{font-size:.62rem}
  .hero .container{padding-top:36px}
}

/* ---------- native quote form (mirrors YourQuote portal fields) ---------- */
.qf{display:grid;gap:14px;text-align:left}
.qf-box{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--shadow);max-width:760px;margin:0 auto}
.qf-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.qf-grid .full{grid-column:1/-1}
@media (max-width:600px){.qf-grid{grid-template-columns:minmax(0,1fr)}}
.seg{display:inline-flex;background:var(--cream);border:1px solid var(--line);border-radius:10px;padding:3px;gap:2px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{margin:0;padding:8px 14px;border-radius:8px;font:600 .86rem/1 var(--sans);color:var(--muted);cursor:pointer}
.seg input:checked+label{background:var(--ink);color:#fff}
.seg input:focus-visible+label{outline:2px solid var(--copper)}
.qf-row-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.qf-row-head label{margin:0}
.qf-hint{font-size:.78rem;color:var(--muted);margin-top:4px}
.qf-person{border-top:1px dashed var(--line);padding-top:12px}
.qf-person[hidden]{display:none}
.qf .btn{width:100%;justify-content:center;padding:1em}
.qf-legend{font:600 .78rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--copper)}
.quote-card .qf-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.quote-card input,.quote-card select{padding:10px 12px}
.quote-card .seg label{padding:7px 11px}
.qsum{max-width:760px;margin:0 auto 18px;background:var(--ink);color:#e6d6c4;border-radius:14px;padding:16px 20px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;align-items:center;font-size:.92rem}
.qsum a{color:var(--copper-hi);font-weight:600}
.qsum[hidden]{display:none}
.qf-loading{text-align:center;color:var(--muted);font-size:.92rem;padding:28px 8px;margin:0}

.f-logo img{height:38px;width:auto;margin-bottom:16px}