/* santabarbarainsurance.vip — the Moreton Bay fig: midnight canopy, roots poured out as marbled currents, dye thinning to dust */
@font-face{font-family:"Young Serif";font-weight:400;font-style:normal;font-display:swap;src:url(/fonts/young-serif-400.woff2) format("woff2")}
@font-face{font-family:"Nunito Sans";font-weight:400;font-style:normal;font-display:swap;src:url(/fonts/nunito-sans-400.woff2) format("woff2")}
@font-face{font-family:"Nunito Sans";font-weight:700;font-style:normal;font-display:swap;src:url(/fonts/nunito-sans-700.woff2) format("woff2")}

:root{
  color-scheme:light;
  --night:#14211F;
  --ink:#15231F;
  --muted:#46524E;
  --indigo:#233A73;
  --indigo-deep:#192B59;
  --slate:#44598A;
  --mist:#D5DAE6;
  --mist-2:#E4E6EC;
  --dust:#EDF0EE;
  --dust-deep:#E0E5E3;
  --paper:#FAFBFA;
  --line:#B3BBB6;
  --root:#C4CBC7;
  --fig:#772B4F;
  --accent:#233A73;
  --accent-dark:#192B59;
  --display:"Young Serif",Georgia,"Times New Roman",serif;
  --body:"Nunito Sans","Segoe UI",system-ui,sans-serif;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--dust);font-family:var(--body);font-size:1.0625rem;line-height:1.6}
::selection{background:var(--indigo);color:#fff}
a{color:inherit}
button,input,select,textarea{font:inherit}
:focus-visible{outline:3px solid var(--fig);outline-offset:3px;border-radius:3px}

/* ---------- header (inner pages): night shade over a poured edge ---------- */
.site-header{position:relative;background:var(--night);color:var(--dust);border-bottom:6px solid var(--indigo)}
.site-header::after{content:"";position:absolute;left:0;right:0;bottom:-18px;height:12px;pointer-events:none;background:radial-gradient(ellipse 60px 12px at 30px 0,var(--indigo) 98%,transparent 100%) 0 0/120px 12px repeat-x,radial-gradient(ellipse 40px 9px at 95px 0,var(--slate) 98%,transparent 100%) 0 0/120px 12px repeat-x;opacity:.9}
.header-inner{max-width:1180px;margin:auto;padding:14px 20px;min-height:72px;display:flex;justify-content:space-between;align-items:center;gap:12px 20px}
@media(min-width:760px){.header-inner{padding-inline:32px}}
.brand{display:inline-flex;align-items:center;gap:14px;min-height:48px;text-decoration:none;font-size:1rem;line-height:1.25}
.brand strong{display:block;font-family:var(--display);font-weight:400;font-size:1.2rem;letter-spacing:.005em}
.brand-mark{flex:none;display:grid;place-items:center;width:46px;height:46px;border-radius:50%;font-family:var(--display);font-size:1.4rem;color:var(--dust);background:radial-gradient(circle at 50% 50%,var(--night) 0 38%,var(--indigo) 39% 52%,var(--night) 53% 64%,var(--slate) 65% 72%,var(--night) 73%);border:1.5px solid var(--slate)}
.header-link{display:inline-flex;align-items:center;min-height:44px;padding:4px 16px;border:1.5px solid var(--slate);border-radius:999px;color:var(--dust);font-weight:700;font-size:.95rem;text-decoration:none;white-space:nowrap;transition:background .3s,border-color .3s}
.header-link:hover{background:var(--indigo);border-color:var(--dust)}

/* ---------- home: the basin ---------- */
.basin{position:relative;background:var(--dust)}
.canopy{position:relative;background:var(--night);color:var(--dust);overflow:hidden;padding:12px 20px}
.canopy-art{position:absolute;inset:0;width:100%;height:100%;display:block}
.canopy-inner{width:min(100%,1040px);margin:auto}
.canopy .site-header{position:relative;background:none;border:0;color:var(--dust)}
.canopy .site-header::after{display:none}
.canopy .header-inner{padding:14px 0 40px;min-height:260px;flex-direction:column-reverse;align-items:flex-start;justify-content:flex-end;gap:26px;max-width:none}
.canopy .brand{align-items:flex-end;gap:18px}
.canopy .brand-mark{width:64px;height:64px;font-size:2rem;margin-bottom:6px}
.canopy .brand>span:last-child{font-family:var(--display);font-size:clamp(2.1rem,7.4vw,4.6rem);line-height:1;letter-spacing:-.012em;text-shadow:0 2px 18px rgba(10,18,16,.7)}
.canopy .brand strong{display:block;margin-top:.45rem;font-size:clamp(1.05rem,2.8vw,1.55rem);color:#D9D6C6}
.canopy .header-link{background:rgba(20,33,31,.82)}
@media(min-width:760px){
  .canopy .header-inner{flex-direction:row;align-items:flex-end;justify-content:space-between;min-height:300px;padding-bottom:50px}
  .canopy .header-link{align-self:flex-start;margin-top:-4px}
}
.flow{position:relative;margin-top:-1px;height:110px;overflow:hidden;background:var(--night)}
.roots-art{display:block;width:100%;height:100%}
@media(min-width:760px){.flow{height:210px}}
.ground{background:var(--dust)}

.minimal-shell{width:min(100% - 40px,1040px);margin:auto;padding:6px 0 56px;display:flex;flex-direction:column}
.minimal-shell h1{margin:0 0 30px;font-family:var(--display);font-weight:400;font-size:clamp(2.35rem,6.4vw,4.4rem);line-height:1.04;letter-spacing:-.015em;color:var(--ink)}
.choice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.choice-grid a{position:relative;isolation:isolate;overflow:hidden;min-height:132px;padding:22px 24px;display:flex;align-items:flex-end;border:1.5px solid var(--night);border-radius:26px 6px 26px 6px;background:var(--paper);color:var(--ink);font-family:var(--display);font-size:clamp(1.2rem,2.1vw,1.55rem);line-height:1.2;text-decoration:none;transition:transform .35s cubic-bezier(.16,1,.3,1),box-shadow .35s,border-color .35s}
.choice-grid a::before{content:"";position:absolute;z-index:-1;right:-70px;top:-70px;width:210px;height:210px;border-radius:50%;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 210 210'%3E%3Cg fill='none' stroke='%23fff' stroke-opacity='.16' stroke-width='1.5'%3E%3Ccircle cx='105' cy='105' r='14'/%3E%3Ccircle cx='105' cy='105' r='31'/%3E%3Ccircle cx='105' cy='105' r='49'/%3E%3Ccircle cx='105' cy='105' r='68'/%3E%3Ccircle cx='105' cy='105' r='88'/%3E%3Ccircle cx='105' cy='105' r='104'/%3E%3C/g%3E%3C/svg%3E") center/100% 100% no-repeat;transition:transform .8s cubic-bezier(.16,1,.3,1)}
.choice-grid a:hover{transform:translateY(-3px);box-shadow:0 14px 26px -16px rgba(20,33,31,.7);border-color:var(--fig)}
.choice-grid a:hover::before{transform:scale(1.55)}
.choice-grid a:nth-child(1){background:var(--night);color:#F4F1E7}
.choice-grid a:nth-child(2){background:var(--indigo-deep);color:#F4F1E7}
.choice-grid a:nth-child(3){background:var(--slate);color:#fff}
.choice-grid a:nth-child(4){background:var(--mist);color:var(--ink)}
.choice-grid a:nth-child(4)::before,.choice-grid a:nth-child(5)::before,.choice-grid a:nth-child(6)::before{background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 210 210'%3E%3Cg fill='none' stroke='%23233A73' stroke-opacity='.2' stroke-width='1.5'%3E%3Ccircle cx='105' cy='105' r='14'/%3E%3Ccircle cx='105' cy='105' r='31'/%3E%3Ccircle cx='105' cy='105' r='49'/%3E%3Ccircle cx='105' cy='105' r='68'/%3E%3Ccircle cx='105' cy='105' r='88'/%3E%3Ccircle cx='105' cy='105' r='104'/%3E%3C/g%3E%3C/svg%3E") center/100% 100% no-repeat}
.choice-grid a:nth-child(5){background:var(--mist-2);color:var(--ink)}
.choice-grid a:nth-child(6){background:var(--paper);color:var(--ink)}
.agency-line{margin:34px 0 0;padding-top:16px;border-top:1.5px solid var(--line);color:var(--muted);font-size:.95rem;font-weight:700}
.agency-line a{text-underline-offset:4px}
@media(min-width:851px){.home-shell{padding-bottom:24px}}

/* ---------- local board: a bench of notes under the fig ---------- */
.local-board{background:var(--dust-deep);color:var(--ink);border-top:6px solid var(--night)}
.local-wrap{max-width:1180px;margin:auto;padding:70px 32px 100px}
.local-intro{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;padding:0 0 34px;border-bottom:1.5px solid var(--line)}
.local-kicker,.local-card-kicker,.local-section-heading>span,.local-small-label{color:var(--fig);font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase}
.local-kicker{margin:0 0 16px}
.local-kicker span{padding:0 7px}
.local-intro h2{margin:0;font-family:var(--display);font-weight:400;font-size:clamp(2.3rem,6vw,4.2rem);line-height:1.02;letter-spacing:-.012em}
.local-intro>div>p:last-child{max-width:540px;margin:18px 0 0;color:var(--muted);font-size:1.06rem}
.local-generated{flex:none;margin:0 0 3px;color:var(--muted);font-size:.85rem;font-weight:700}
.local-section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin:62px 0 20px}
.local-section-heading h3{margin:0;font-family:var(--display);font-weight:400;font-size:clamp(1.7rem,3.5vw,2.4rem);line-height:1.1}
.local-section-heading>span{position:relative;padding-left:34px;color:var(--fig)}
.local-section-heading>span::before{content:"";position:absolute;left:0;top:50%;width:22px;height:22px;margin-top:-11px;border-radius:50%;background:radial-gradient(circle,var(--night) 0 3px,transparent 4px 6px,var(--indigo) 7px 8px,transparent 9px 11px)}
.local-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.local-card{position:relative;min-width:0;padding:30px 28px 26px;border:1px solid var(--line);border-radius:4px 22px 4px 22px;background:linear-gradient(var(--night),var(--night)) 0 0/100% 4px no-repeat,var(--paper)}
.local-card:nth-child(3n+2){background:linear-gradient(var(--indigo),var(--indigo)) 0 0/100% 4px no-repeat,var(--paper)}
.local-card:nth-child(3n){background:linear-gradient(var(--slate),var(--slate)) 0 0/100% 4px no-repeat,var(--paper)}
.local-card h4{margin:6px 0 18px;font-family:var(--display);font-weight:400;font-size:clamp(1.5rem,3vw,2rem);line-height:1.12}
.local-card-kicker{margin:0}
.local-card .local-copy{margin:10px 0;color:var(--ink)}
.local-card .local-subtle,.local-subtle{display:block;color:var(--muted);font-size:.9rem}
.local-source{margin:24px 0 0;padding-top:14px;border-top:1px solid var(--root);color:var(--muted);font-size:.8rem;font-weight:700}
.local-link{display:inline-flex;align-items:center;min-height:44px;margin-top:4px;color:var(--indigo);font-size:.95rem;font-weight:700;text-underline-offset:4px}
.local-wide{grid-column:1/-1}
.local-weather-lead{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:end;padding:10px 0 24px;border-bottom:1px solid var(--root)}
.local-weather-lead>div:first-child{display:flex;align-items:baseline;flex-wrap:wrap;gap:8px 22px}
.local-big-temp{font-family:var(--display);font-size:clamp(5rem,12vw,8.4rem);line-height:.86;letter-spacing:-.04em;color:var(--indigo)}
.local-weather-condition{max-width:200px;color:var(--muted);font-size:1.06rem}
.local-weather-note{padding-bottom:6px;display:flex;flex-direction:column;gap:5px;color:var(--muted);font-size:1rem}
.local-weather-note strong{color:var(--ink);font-size:1.1rem}
.local-day-strip,.local-hour-strip{display:flex;overflow-x:auto;scrollbar-width:thin}
.local-day-strip{gap:0;padding:20px 0;border-bottom:1px solid var(--root)}
.local-day{flex:0 0 150px;padding:0 14px;border-left:1px solid var(--root);display:flex;flex-direction:column;gap:5px;font-size:.88rem;color:var(--muted);line-height:1.35}
.local-day:first-child{border-left:0}
.local-day strong{color:var(--ink);font-size:.95rem}
.local-day-temp{color:var(--indigo);font-size:1.3rem;font-weight:700}
.local-small-label{margin:22px 0 12px}
.local-hour-strip{gap:9px}
.local-hour{flex:0 0 94px;padding:11px 10px;border-radius:12px 3px 12px 3px;background:var(--mist-2);display:flex;flex-direction:column;gap:3px;font-size:.85rem;color:var(--muted)}
.local-hour strong{color:var(--ink);font-size:1.3rem}
.local-big-number{margin:14px 0 8px;color:var(--fig);font-family:var(--display);font-size:4.6rem;line-height:.95;letter-spacing:-.03em}
.local-radar{margin:18px 0 0;overflow:hidden;border:2px solid var(--night);border-radius:6px 18px 6px 18px}
.local-radar img{display:block;width:100%;height:auto}
.local-radar figcaption{padding:6px 10px;color:var(--muted);font-size:.8rem;background:var(--paper)}
.local-alert,.local-advisory{display:flex;gap:18px;padding:22px 26px;margin-top:20px;border:1.5px solid #A8583C;border-radius:4px 22px 4px 22px;background:#FBEFE6;color:var(--ink)}
.local-alert-icon{flex:none;display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#8E2F1D;color:#fff;font-weight:700}
.local-alert h3,.local-advisory h3{margin:6px 0 9px;font-size:1.2rem;line-height:1.35}
.local-alert p,.local-advisory p{margin-bottom:0}
.local-advisory{align-items:center;border-color:var(--slate);background:var(--mist)}
.local-advisory-mark{flex:none;color:var(--indigo);font-size:2.4rem;line-height:1}
.local-advisory h3{font-family:var(--display);font-weight:400;font-size:clamp(1.3rem,2.5vw,1.75rem);line-height:1.2}
.local-advisory-alert{border-color:#A8583C;background:#FBEFE6}
.local-row{padding:13px 0;border-bottom:1px solid var(--root)}
.local-row:first-of-type{padding-top:0}
.local-row:last-of-type{border-bottom:0}
.local-row-title{display:block;color:var(--ink);font-size:1rem;font-weight:700;line-height:1.4;text-decoration-color:var(--slate);text-underline-offset:4px}
.local-row-detail{display:block;margin-top:4px;color:var(--muted);font-size:.88rem}
.local-news-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:34px}
.local-market-name{display:block;font-size:1.06rem}
.local-lottery{padding:12px 0;border-bottom:1px solid var(--root);display:flex;flex-direction:column;gap:5px}
.local-lottery strong{font-size:1.25rem;letter-spacing:.03em}

/* ---------- inner pages ---------- */
.page-shell{max-width:1180px;margin:auto;padding:58px 20px 88px}
@media(min-width:760px){.page-shell{padding-inline:32px}}
.eyebrow{margin:0 0 10px;color:var(--fig);font-size:1.1rem;font-weight:700}
.intro h1{margin:0;font-family:var(--display);font-weight:400;font-size:clamp(2.4rem,5.6vw,4.4rem);line-height:1.04;letter-spacing:-.015em}
.intro-copy{margin:20px 0 0;color:var(--muted);font-size:clamp(1.06rem,2vw,1.25rem);max-width:670px}

.options{margin-top:50px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.option{min-width:0;min-height:240px;padding:24px;display:flex;flex-direction:column;align-items:flex-start;border:1.5px solid var(--night);border-radius:26px 6px 26px 6px;background:var(--paper)}
.option-number{color:var(--fig);font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em}
.option h2{margin:16px 0 7px;font-family:var(--display);font-weight:400;font-size:clamp(1.5rem,2.7vw,1.9rem);line-height:1.12}
.option p{margin:0;color:var(--muted);font-size:1rem;max-width:30ch}
.option .option-action{margin-top:auto;padding:12px 16px;min-height:48px;width:100%;display:inline-flex;align-items:center;justify-content:space-between;gap:10px;border:0;border-radius:12px 3px 12px 3px;color:#fff;background:var(--accent-dark);font-weight:700;font-size:1rem;line-height:1.25;text-decoration:none;text-align:left;cursor:pointer}
.option-action:hover{background:var(--night)}
.option-action span{font-size:1.2rem;line-height:1}
.option .option-note{margin-top:7px;font-size:.9rem;color:var(--muted)}

.question-section{scroll-margin-top:25px;margin-top:70px;padding:44px;border:1.5px solid var(--night);border-radius:30px 6px 30px 6px;background:var(--paper)}
.question-heading h2{margin:0;font-family:var(--display);font-weight:400;font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.1}
.question-heading>p:last-child{margin:12px 0 0;color:var(--muted)}
.question-form{margin-top:34px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 20px}
.form-grid label{display:flex;flex-direction:column;gap:8px;font-weight:700;font-size:1rem}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;min-width:0;border:1.5px solid #6D7770;border-radius:10px 3px 10px 3px;padding:12px 14px;color:var(--ink);background:#fff;font-weight:400}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{border-color:var(--indigo);outline:3px solid var(--fig);outline-offset:1px}
.form-grid input,.form-grid select{min-height:50px}
.form-grid textarea{min-height:140px;resize:vertical}
.form-grid .message-field{grid-column:1/-1}
.form-grid .checkbox-row,.quote-form>fieldset>.checkbox-row{display:flex;flex-direction:row;align-items:flex-start;gap:12px;font-weight:400}
.form-grid .checkbox-row{grid-column:1/-1}
.form-grid .checkbox-row input,.quote-form>fieldset>.checkbox-row input{width:22px;min-width:22px;height:22px;min-height:22px;margin:2px 0 0;accent-color:var(--indigo)}
.quote-form>fieldset>.checkbox-row{margin-top:22px}
.honeypot{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.form-bottom{margin-top:26px}
.form-bottom button{min-height:52px;display:inline-flex;align-items:center;gap:12px;border:0;border-radius:12px 3px 12px 3px;padding:13px 22px;color:#fff;background:var(--accent-dark);font-weight:700;cursor:pointer}
.form-bottom button:hover{background:var(--night)}
.submit-note{max-width:610px;margin:16px 0 0;color:var(--muted);font-size:.95rem}
.form-status{min-height:22px;margin:12px 0 0;color:var(--accent-dark);font-weight:700;font-size:1rem}

.product-switch{display:flex;flex-wrap:wrap;gap:10px;margin:34px 0 20px}
.product-switch a{display:inline-flex;align-items:center;min-height:46px;border:1.5px solid var(--night);border-radius:999px;padding:8px 18px;background:var(--paper);font-weight:700;text-decoration:none}
.product-switch a:hover{background:var(--mist)}
.product-switch a[aria-current="page"]{border-color:var(--accent-dark);color:#fff;background:var(--accent-dark)}
.quote-form fieldset{min-width:0;margin:18px 0;padding:28px;border:1.5px solid var(--night);border-radius:22px 5px 22px 5px;background:var(--paper)}
.quote-form legend{padding:0 10px;font-family:var(--display);font-size:1.4rem;font-weight:400}
.quote-form .form-grid{margin-top:4px}
.quote-submit{margin:22px 0 55px;max-width:720px}
.quote-submit button,.quote-results button{min-height:50px;border:0;border-radius:12px 3px 12px 3px;padding:13px 22px;color:#fff;background:var(--accent-dark);font-weight:700;cursor:pointer}
.quote-submit button:hover,.quote-results button:hover{background:var(--night)}
.quote-submit button:disabled,.quote-results button:disabled{cursor:wait;opacity:.65}
#quote-status{color:var(--accent-dark);font-weight:700}
.quote-results{margin:30px 0 70px;padding:28px;border:1.5px solid var(--night);border-radius:22px 5px 22px 5px;background:var(--paper)}
.quote-results h2{margin:0 0 16px;font-family:var(--display);font-weight:400}
.quote-results article{border-top:1px solid var(--root);padding:20px 0}
.quote-results article h3{margin:0 0 5px}
.quote-results article p{margin:4px 0 13px}

.site-footer{border-top:1.5px solid var(--line);max-width:1180px;margin:auto;padding:26px 20px 36px;display:flex;align-items:baseline;flex-wrap:wrap;gap:8px 22px;color:var(--muted);font-size:.95rem}
@media(min-width:760px){.site-footer{padding-inline:32px}}
.site-footer p{margin:0}
.site-footer>p:first-child{color:var(--ink);font-weight:700}
.site-footer a{text-underline-offset:4px}
.site-footer .footer-note{flex-basis:100%}

@media(max-width:850px){
  .options{grid-template-columns:repeat(2,minmax(0,1fr))}
  .choice-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .local-intro{align-items:flex-start;flex-direction:column}
}
@media(max-width:590px){
  .header-inner{flex-wrap:wrap;padding-block:12px}
  .brand{font-size:.9rem;gap:10px}
  .brand strong{font-size:1.05rem}
  .brand-mark{width:40px;height:40px;font-size:1.2rem}
  .header-link{margin-left:auto;font-size:.9rem;white-space:normal;text-align:center}
  .page-shell{padding:44px 20px 64px}
  .options{margin-top:36px;grid-template-columns:1fr;gap:12px}
  .option{min-height:0;padding:22px}
  .option .option-action{margin-top:20px}
  .question-section{margin-top:54px;padding:26px 18px}
  .form-grid{grid-template-columns:1fr;gap:19px}
  .quote-form fieldset{padding:22px 16px}
  .choice-grid{grid-template-columns:1fr;gap:12px}
  .choice-grid a{min-height:84px;padding:20px}
  .canopy .brand-mark{width:52px;height:52px;font-size:1.6rem}
  .local-wrap{padding:56px 20px 72px}
  .local-section-heading{margin-top:48px;align-items:flex-start;flex-direction:column;gap:7px}
  .local-grid,.local-weather-lead,.local-news-list{grid-template-columns:1fr}
  .local-card{padding:22px 20px}
  .local-weather-lead{gap:14px}
  .local-alert,.local-advisory{padding:20px 18px;gap:12px}
  .local-day{flex-basis:130px}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .choice-grid a,.choice-grid a::before,.header-link{transition:none}
  .choice-grid a:hover{transform:none}
  .choice-grid a:hover::before{transform:none}
}