/* ============================================================
   NOLA Insurance — DESIGN 1 · SIDEBAR / DASHBOARD layout
   Fixed left rail nav · split hero · horizontal coverage rows
   ============================================================ */
:root{
  --ink:#0e2430; --body:#41525c; --muted:#7d909a;
  --navy:#0e3a4f; --navy-2:#0b2c3c;
  --teal:#0e9488; --teal-2:#14b8a6; --teal-soft:#e6f6f4;
  --amber:#e0863e;
  --bg:#ffffff; --bg-soft:#f4f8f9; --line:#e5edf0;
  --side-w:250px;
  --radius:14px; --radius-lg:22px;
  --shadow-sm:0 1px 3px rgba(14,58,79,.08);
  --shadow:0 10px 30px rgba(14,58,79,.10);
  --shadow-lg:0 24px 60px rgba(14,58,79,.18);
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --serif:"Spectral",Georgia,serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--sans);color:var(--body);background:var(--bg);line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:var(--teal);transition:color .2s ease,opacity .2s ease}
ul,ol{list-style:none}
img,svg{display:block;max-width:100%}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;letter-spacing:-.01em;font-family:var(--serif)}
h1{font-weight:700;font-size:clamp(2.3rem,4vw,3.7rem)}
h2{font-weight:700;font-size:clamp(1.7rem,3vw,2.5rem)}
h3{font-size:1.15rem;font-weight:600;font-family:var(--sans)}
p{margin:0 0 1rem}
.accent{color:var(--teal)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:inherit;font-size:.95rem;font-weight:600;padding:.8rem 1.5rem;border-radius:8px;border:1.5px solid transparent;cursor:pointer;transition:transform .16s var(--ease),box-shadow .25s ease,background .2s ease,color .2s ease}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 8px 20px rgba(14,148,136,.28)}
.btn-primary:hover{background:var(--teal-2);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.btn-full{width:100%}

/* Switcher */
.switcher{position:fixed;right:16px;bottom:16px;z-index:300;display:flex;align-items:center;gap:6px;background:var(--navy);color:#fff;padding:8px 10px;border-radius:999px;box-shadow:var(--shadow-lg)}
.switcher-label{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;opacity:.7;margin-right:2px}
.sw{width:30px;height:30px;display:grid;place-items:center;border-radius:50%;color:#cfe6e2;font-weight:700;font-size:.9rem}
.sw:hover{background:rgba(255,255,255,.14);color:#fff}
.sw.active{background:var(--teal);color:#fff}

/* ===== FIXED LEFT SIDEBAR ===== */
.sidebar{position:fixed;top:0;left:0;bottom:0;width:var(--side-w);background:var(--navy);color:#cfe0e6;display:flex;flex-direction:column;padding:1.6rem 1.1rem;z-index:120}
.side-logo{display:flex;align-items:center;gap:.7rem;color:#fff;padding:.3rem .4rem 1.4rem;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:1.2rem}
.side-logo img{border-radius:9px}
.side-logo-text{font-family:var(--serif);font-weight:700;font-size:1.05rem;line-height:1.1}
.side-logo-text em{font-style:normal;font-weight:500;color:#8fb9c2;font-size:.85rem}
.side-nav{display:flex;flex-direction:column;gap:.2rem;flex:1}
.side-nav a{display:flex;align-items:center;gap:.8rem;padding:.7rem .8rem;border-radius:10px;color:#a9c6cf;font-weight:500;font-size:.95rem}
.side-nav a svg{width:20px;height:20px;flex-shrink:0}
.side-nav a:hover{background:rgba(255,255,255,.07);color:#fff}
.side-nav a.active{background:var(--teal);color:#fff}
.side-foot{border-top:1px solid rgba(255,255,255,.1);padding-top:1.1rem;display:flex;flex-direction:column;gap:.7rem}
.side-phone{display:flex;align-items:center;gap:.5rem;color:#cfe0e6;font-weight:600;font-size:.9rem}
.side-phone svg{width:16px;height:16px}
.side-phone:hover{color:#fff}
.lang-toggle{display:flex;align-items:center;gap:.5rem;width:100%;justify-content:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);color:#cfe0e6;font-family:inherit;font-weight:600;font-size:.85rem;padding:.55rem 1rem;border-radius:8px;cursor:pointer;transition:.2s}
.lang-toggle svg{width:16px;height:16px}
.lang-toggle:hover{background:var(--teal);border-color:var(--teal);color:#fff}

/* Mobile bar (hidden on desktop) */
.mobile-bar{display:none}

/* ===== CONTENT PANE ===== */
.content{margin-left:var(--side-w);min-height:100vh}
.block{padding:clamp(3rem,5vw,5rem) clamp(1.5rem,4vw,4rem)}
.block:nth-child(even){background:var(--bg-soft)}
.block-head{margin-bottom:2.2rem;max-width:44rem}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:.6rem}
.block-sub{color:var(--body);font-size:1.02rem;margin-top:.4rem}

/* Hero — split screen */
.hero{display:grid;grid-template-columns:1.15fr .85fr;min-height:100vh}
.hero-text{padding:clamp(2.5rem,5vw,5rem) clamp(1.5rem,4vw,4rem);display:flex;flex-direction:column;justify-content:center}
.tagline{display:inline-block;align-self:flex-start;font-size:.82rem;font-weight:600;color:var(--teal);background:var(--teal-soft);padding:.4rem .9rem;border-radius:999px;margin-bottom:1.3rem}
.hero-text h1{margin-bottom:1.2rem}
.lede{font-size:1.12rem;color:var(--body);max-width:33rem;margin-bottom:1.8rem}
.hero-cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-bottom:2.4rem}
.hero-facts{display:grid;grid-template-columns:repeat(4,auto);gap:2rem;border-top:1px solid var(--line);padding-top:1.5rem}
.hero-facts dt{font-family:var(--serif);font-size:1.5rem;font-weight:700;color:var(--navy)}
.hero-facts dd{font-size:.82rem;color:var(--muted)}
.hero-panel{background:linear-gradient(155deg,var(--navy),var(--navy-2));color:#fff;display:flex;align-items:center;justify-content:center;padding:2rem;position:relative;overflow:hidden}
.hero-panel::before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(20,184,166,.35),transparent 65%);top:-15%;right:-15%}
.hero-panel-inner{position:relative;max-width:22rem}
.hp-badge{display:inline-block;color:var(--amber);font-weight:700;font-size:.9rem;margin-bottom:1rem}
.hp-quote{font-family:var(--serif);font-size:1.7rem;font-weight:600;line-height:1.35;margin-bottom:1.8rem}
.hp-card{display:flex;align-items:center;gap:.8rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:.9rem 1rem}
.hp-card img{border-radius:9px}
.hp-card strong{display:block;font-size:.92rem}
.hp-card span{font-size:.8rem;color:#8fb9c2}

/* About */
.about-body{display:grid;grid-template-columns:1.3fr .9fr;gap:2.5rem;align-items:start}
.about-lead p{font-size:1.05rem}
.about-facts{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.about-facts li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.1rem}
.block:nth-child(even) .about-facts li{background:var(--bg)}
.about-facts strong{display:block;color:var(--ink);font-size:.95rem}
.about-facts span{font-size:.82rem;color:var(--muted)}

/* Coverage — HORIZONTAL ROWS */
.cov-rows{display:flex;flex-direction:column;gap:1rem}
.cov-row{display:grid;grid-template-columns:auto 250px 1fr auto;gap:1.6rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem 1.8rem;transition:box-shadow .25s,border-color .2s,transform .2s var(--ease)}
.block:nth-child(even) .cov-row{background:var(--bg)}
.cov-row:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateX(4px)}
.cov-row-ico{width:56px;height:56px;border-radius:14px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center}
.cov-row-ico svg{width:28px;height:28px}
.cov-row-main h3{font-family:var(--serif);font-size:1.35rem;font-weight:700;color:var(--ink);margin-bottom:.2rem}
.cov-row-main p{font-size:.9rem;margin:0;color:var(--muted)}
.cov-row-tags{display:flex;flex-wrap:wrap;gap:.4rem}
.cov-row-tags li{font-size:.78rem;background:var(--bg-soft);border:1px solid var(--line);color:var(--body);padding:.26rem .6rem;border-radius:6px}
.cov-row-cta{width:44px;height:44px;flex-shrink:0;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:1.2rem;font-weight:700;transition:.2s}
.cov-row-cta:hover{background:var(--teal);color:#fff;transform:scale(1.08)}

/* Why — vertical timeline */
.why-timeline{position:relative;max-width:46rem;padding-left:1rem}
.why-timeline::before{content:"";position:absolute;left:calc(1rem + 22px);top:8px;bottom:8px;width:2px;background:var(--line)}
.why-timeline li{position:relative;display:flex;gap:1.4rem;padding-bottom:2rem}
.why-timeline li:last-child{padding-bottom:0}
.wt-num{position:relative;z-index:1;width:46px;height:46px;flex-shrink:0;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-weight:700;font-family:var(--serif)}
.why-timeline h3{color:var(--ink);margin-bottom:.3rem}
.why-timeline p{margin:0;font-size:.95rem}

/* Carriers — static wall grid */
.carrier-wall{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.logo-tile{display:grid;place-items:center;height:96px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.2rem;transition:.2s}
.block:nth-child(even) .logo-tile{background:var(--bg)}
.logo-tile:hover{border-color:var(--teal);box-shadow:var(--shadow-sm);transform:translateY(-3px)}
.logo-tile img{max-height:44px;width:auto;object-fit:contain;filter:grayscale(1);opacity:.75;transition:.2s;mix-blend-mode:multiply}
.logo-tile:hover img{filter:none;opacity:1}

/* Stories — featured quote + rail */
.rating-line{margin-top:.6rem;color:var(--body);font-size:.95rem}
.rating-line .rl-stars{color:var(--amber)}
.rating-line strong{color:var(--ink)}
.story-stage{display:grid;grid-template-columns:1fr 92px;gap:2rem;align-items:stretch}
.story-feature{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow);display:flex;flex-direction:column;justify-content:center;min-height:260px}
.block:nth-child(even) .story-feature{background:var(--bg)}
.story-feature .stars{color:var(--amber);font-size:1.1rem;margin-bottom:1rem}
.story-feature blockquote{font-family:var(--serif);font-size:1.5rem;font-weight:500;line-height:1.4;color:var(--ink);margin-bottom:1.6rem}
.story-feature figcaption{display:flex;align-items:center;gap:.8rem}
.story-feature figcaption img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.story-feature figcaption strong{display:block;color:var(--ink)}
.story-feature figcaption em{font-style:normal;font-size:.85rem;color:var(--muted)}
.story-rail{display:flex;flex-direction:column;gap:.6rem;overflow-y:auto;max-height:420px;padding-right:2px}
.story-thumb{border:0;background:none;padding:0;cursor:pointer;border-radius:12px;overflow:hidden;opacity:.5;transition:.2s;border:2px solid transparent}
.story-thumb img{width:100%;height:auto;display:block}
.story-thumb:hover{opacity:.85}
.story-thumb.active{opacity:1;border-color:var(--teal)}

/* FAQ — two columns */
.faq-cols{columns:2;column-gap:1.2rem}
.faq-item{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.8rem;padding:0 1.2rem}
.block:nth-child(even) .faq-item{background:var(--bg)}
.faq-item summary{cursor:pointer;list-style:none;padding:1.05rem 0;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:.8rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.3rem;color:var(--teal);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item p{padding-bottom:1.05rem;margin:0;font-size:.93rem}

/* Contact */
.contact-split{display:grid;grid-template-columns:1fr 1.05fr;gap:2.5rem;align-items:start}
.ci-intro{font-size:1.05rem}
.contact-list{margin:1.2rem 0}
.contact-list li{padding:.9rem 0;border-top:1px solid var(--line)}
.ci-label{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:.15rem}
.contact-list a{color:var(--navy);font-weight:600}
.contact-map{border-radius:14px;overflow:hidden;border:1px solid var(--line);height:220px}
.contact-map iframe{width:100%;height:100%}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow);position:sticky;top:2rem}
.block:nth-child(even) .form{background:var(--bg)}
.field{margin-bottom:1.1rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--ink);margin-bottom:.35rem}
.field input,.field select,.field textarea{width:100%;font-family:inherit;font-size:.95rem;padding:.75rem .9rem;border:1.5px solid var(--line);border-radius:8px;background:var(--bg-soft);color:var(--ink);transition:border-color .2s,background .2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);background:#fff}
.form-note{margin-top:.8rem;font-size:.9rem;color:var(--teal);text-align:center}

/* Footer */
.content-footer{padding:2rem clamp(1.5rem,4vw,4rem);border-top:1px solid var(--line);display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;font-size:.85rem;color:var(--muted)}
.content-footer p{margin:0}

/* Reveal */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
  .reveal.in{opacity:1;transform:none}
}

/* ===== Responsive ===== */
@media (max-width:1100px){
  .hero{grid-template-columns:1fr}
  .hero-panel{min-height:340px}
  .cov-row{grid-template-columns:auto 1fr auto;grid-template-areas:"ico main cta" "tags tags tags"}
  .cov-row-ico{grid-area:ico}.cov-row-main{grid-area:main}.cov-row-cta{grid-area:cta}.cov-row-tags{grid-area:tags}
}
@media (max-width:860px){
  :root{--side-w:0px}
  .sidebar{transform:translateX(-100%);width:250px;transition:transform .3s var(--ease);box-shadow:var(--shadow-lg)}
  .sidebar.open{transform:none}
  .mobile-bar{display:flex;position:sticky;top:0;z-index:110;align-items:center;justify-content:space-between;height:62px;padding:0 1.2rem;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
  .mb-logo{display:flex;align-items:center;gap:.5rem;color:var(--ink);font-family:var(--serif);font-weight:700}
  .mb-logo img{border-radius:6px}
  .mb-toggle{display:flex;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px}
  .mb-toggle span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.25s}
  .mb-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .mb-toggle.open span:nth-child(2){opacity:0}
  .mb-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .content{margin-left:0}
  .about-body,.contact-split{grid-template-columns:1fr}
  .carrier-wall{grid-template-columns:repeat(3,1fr)}
  .faq-cols{columns:1}
  .form{position:static}
}
@media (max-width:560px){
  .hero-facts{grid-template-columns:repeat(2,1fr);gap:1.2rem}
  .cov-row{grid-template-columns:1fr;grid-template-areas:"ico" "main" "tags" "cta";justify-items:start}
  .story-stage{grid-template-columns:1fr}
  .story-rail{flex-direction:row;max-height:none;overflow-x:auto}
  .story-thumb{flex:0 0 56px}
  .carrier-wall{grid-template-columns:repeat(2,1fr)}
}