/*
Theme Name: Budget Insurance
Theme URI: https://budgetinsurance.co/
Author: OpenAI
Description: Lightweight insurance comparison landing-page theme with configurable QuinStreet ad slots.
Version: 3.3.0
Text Domain: budgetinsurance
*/

:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --text:#152033;
  --muted:#607089;
  --border:#dfe5ee;
  --accent:#1769e0;
  --accent-dark:#0f4fae;
  --soft:#eef5ff;
  --success:#147a4d;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.site-wrap{min-height:100vh}
.container{width:min(var(--max),calc(100% - 32px));margin:0 auto}
.site-header{
  background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 0}
.brand{font-size:24px;font-weight:800;color:var(--text);letter-spacing:-.02em}
.brand span{color:var(--accent)}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{color:#314159;font-weight:600;font-size:14px}
.hero{
  padding:72px 0 50px;
  background:linear-gradient(180deg,#fff 0%,#f3f7fd 100%);
  border-bottom:1px solid var(--border)
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:42px;align-items:center}
.eyebrow{display:inline-flex;padding:7px 11px;border-radius:999px;background:var(--soft);color:var(--accent-dark);font-weight:700;font-size:13px}
h1{font-size:clamp(38px,6vw,64px);line-height:1.02;letter-spacing:-.045em;margin:18px 0}
.hero p{font-size:19px;color:var(--muted);max-width:680px}
.hero-points{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.point{background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px}
.point strong{display:block;font-size:15px}
.point span{font-size:13px;color:var(--muted)}
.quote-card{
  background:var(--card);border:1px solid var(--border);border-radius:20px;padding:24px;
  box-shadow:0 18px 50px rgba(26,58,100,.08)
}
.quote-card h2{margin:0 0 8px;font-size:26px;letter-spacing:-.02em}
.quote-card p{margin:0 0 18px;color:var(--muted)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field label{display:block;font-size:13px;font-weight:700;margin-bottom:6px}
.field input,.field select{
  width:100%;border:1px solid var(--border);border-radius:10px;padding:13px 12px;font:inherit;background:#fff
}
.btn{
  display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;
  padding:14px 18px;font-weight:800;background:var(--accent);color:#fff;cursor:pointer
}
.btn:hover{background:var(--accent-dark);text-decoration:none}
.btn-block{width:100%;margin-top:14px}
.micro{font-size:12px;color:var(--muted);margin-top:10px}
.section{padding:56px 0}
.section-title{font-size:34px;letter-spacing:-.03em;margin:0 0 10px}
.section-sub{color:var(--muted);max-width:720px;margin:0 0 26px}
.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.category-card{
  background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px;transition:.2s ease
}
.category-card:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(20,53,91,.08)}
.icon{font-size:28px;margin-bottom:10px}
.category-card h3{margin:0 0 6px}
.category-card p{color:var(--muted);font-size:14px;margin:0 0 12px}
.offer-shell{
  background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px
}
.offer-head{display:flex;justify-content:space-between;align-items:end;gap:18px;margin-bottom:14px}
.offer-head h2{margin:0;font-size:28px}
.offer-head p{margin:0;color:var(--muted)}
.qs-slot{min-height:120px}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.trust-item{padding:18px;background:#fff;border:1px solid var(--border);border-radius:14px}
.trust-item strong{display:block;margin-bottom:4px}
.trust-item span{font-size:13px;color:var(--muted)}
.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:24px}
.article-card,.side-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px}
.article-card h2{margin-top:0}
.site-footer{background:#111a28;color:#c9d3df;padding:36px 0;margin-top:48px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.site-footer a{color:#fff}
.disclaimer{font-size:12px;color:#98a8bb;margin-top:22px}
.notice{background:#fff8e8;border:1px solid #f0d28a;border-radius:12px;padding:14px;font-size:13px;color:#6a5122}
@media (max-width:900px){
  .hero-grid,.content-grid{grid-template-columns:1fr}
  .category-grid{grid-template-columns:repeat(2,1fr)}
  .trust{grid-template-columns:repeat(2,1fr)}
  .hero-points{grid-template-columns:1fr}
}
@media (max-width:600px){
  .header-inner{align-items:flex-start;flex-direction:column}
  .nav{gap:12px}
  .hero{padding-top:44px}
  .form-row,.category-grid,.trust,.footer-grid{grid-template-columns:1fr}
  h1{font-size:42px}
}


/* V2: QuinStreet widget directly in hero */
.qs-hero-card{
  padding:20px;
  overflow:visible;
}
.qs-hero-card .qs-slot{
  min-height:380px;
  margin-top:8px;
}
.qs-hero-card iframe{
  width:100% !important;
  max-width:100% !important;
}
@media (max-width:900px){
  .qs-hero-card .qs-slot{
    min-height:520px;
  }
}


/* V3.3 polished public homepage */
.home-hero{
  position:relative; overflow:hidden; padding:82px 0 72px;
  background:
    radial-gradient(circle at 82% 22%,rgba(23,105,224,.13),transparent 26%),
    linear-gradient(135deg,#ffffff 0%,#f3f8ff 55%,#edf5ff 100%);
  border-bottom:1px solid var(--border);
}
.home-hero:after{
  content:"";position:absolute;width:420px;height:420px;border-radius:50%;
  right:-190px;bottom:-260px;background:rgba(23,105,224,.06)
}
.home-hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:70px;align-items:center}
.home-hero-copy h1{font-size:clamp(44px,5.6vw,68px);max-width:760px;margin:18px 0 20px}
.home-lead{font-size:20px!important;max-width:670px!important;margin-bottom:28px}
.home-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.home-primary{padding:15px 22px;border-radius:12px}
.home-secondary{font-weight:800;color:var(--text)}
.home-secondary span{color:var(--accent)}
.home-trustline{display:flex;gap:22px;flex-wrap:wrap;margin-top:28px;font-size:13px;color:var(--muted);font-weight:650}
.home-visual{position:relative;min-height:420px}
.visual-orb{
  width:360px;height:360px;border-radius:50%;position:absolute;right:18px;top:18px;
  background:linear-gradient(145deg,#1769e0,#0e4fae);box-shadow:0 30px 70px rgba(23,105,224,.22)
}
.visual-shield{
  position:absolute;left:115px;top:74px;width:132px;height:150px;
  border:5px solid rgba(255,255,255,.94);border-radius:58% 58% 68% 68% / 35% 35% 75% 75%;
  color:#fff;font-size:64px;font-weight:800;display:flex;align-items:center;justify-content:center
}
.visual-home{position:absolute;color:#fff;font-size:65px;left:63px;bottom:50px;opacity:.9}
.visual-car{position:absolute;color:#fff;font-size:40px;right:48px;bottom:58px;letter-spacing:-8px;opacity:.9}
.float-card{
  position:absolute;background:#fff;border:1px solid #e4eaf2;border-radius:14px;padding:13px 16px;
  min-width:150px;box-shadow:0 16px 35px rgba(30,60,100,.12)
}
.float-card strong,.float-card span{display:block}.float-card span{font-size:12px;color:var(--muted);margin-top:2px}
.float-one{left:0;top:72px}.float-two{right:-4px;top:245px}.float-three{left:38px;bottom:10px}
.home-strip{background:#fff;border-bottom:1px solid var(--border)}
.home-strip-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.home-strip-grid>div{padding:23px 28px;border-right:1px solid var(--border)}
.home-strip-grid>div:last-child{border-right:0}
.home-strip strong,.home-strip span{display:block}.home-strip strong{font-size:15px}.home-strip span{font-size:13px;color:var(--muted)}
.home-options{background:#fff}
.home-section-head{text-align:center;max-width:760px;margin:0 auto 30px}
.home-section-head .section-sub{margin:0 auto}
.home-category-grid .category-card{padding:26px;min-height:220px}
.home-category-grid .category-card strong{display:inline-block;margin-top:4px}
.icon-circle{
  width:48px;height:48px;border-radius:13px;background:var(--soft);display:flex;align-items:center;justify-content:center;
  font-size:23px;margin-bottom:17px
}
.home-how{background:#f3f7fd;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px}
.step-number{display:flex;width:34px;height:34px;border-radius:50%;align-items:center;justify-content:center;background:var(--accent);color:#fff;font-weight:800}
.step-card h3{margin:16px 0 6px}.step-card p{margin:0;color:var(--muted);font-size:14px}
.home-confidence{
  display:flex;justify-content:space-between;align-items:center;gap:35px;padding:38px 42px;
  border-radius:20px;background:#10223d;color:#fff
}
.home-confidence .eyebrow{background:rgba(255,255,255,.1);color:#d9e9ff}
.home-confidence h2{font-size:34px;line-height:1.15;margin:14px 0 10px;max-width:650px}
.home-confidence p{color:#c4d0df;margin:0;max-width:700px}
.home-confidence .btn{white-space:nowrap}
@media(max-width:900px){
  .home-hero-grid{grid-template-columns:1fr;gap:34px}
  .home-visual{min-height:350px;max-width:480px;width:100%;margin:0 auto}
  .visual-orb{width:310px;height:310px;right:40px}
  .visual-shield{left:98px;top:60px}
  .home-strip-grid,.steps-grid{grid-template-columns:1fr}
  .home-strip-grid>div{border-right:0;border-bottom:1px solid var(--border)}
  .home-confidence{align-items:flex-start;flex-direction:column}
}
@media(max-width:600px){
  .home-hero{padding:52px 0 48px}
  .home-hero-copy h1{font-size:43px}
  .home-visual{min-height:300px}
  .visual-orb{width:255px;height:255px;right:10px}
  .visual-shield{left:78px;top:45px;width:100px;height:118px;font-size:48px}
  .visual-home{font-size:48px;left:43px;bottom:38px}.visual-car{font-size:30px;right:34px;bottom:42px}
  .float-card{min-width:132px;padding:10px 12px}.float-one{top:35px}.float-two{top:190px}.float-three{left:12px}
  .home-confidence{padding:28px 24px}.home-confidence h2{font-size:28px}
}