/* Toyota Walton Insurance — public site. Premium red/black/white. */
:root{--red:#EB0A1E;--ink:#111111;--muted:#5b6470;--line:#e7e9ee;--bg:#f6f7f9;--radius:16px;--shadow:0 10px 30px rgba(16,18,25,.08);--maxw:1200px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
h1,h2,h3,h4{margin:0 0 .4em;line-height:1.15;font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(24px,3.4vw,36px)}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.red{color:var(--red)}
.btn{display:inline-flex;align-items:center;gap:8px;justify-content:center;padding:14px 24px;border-radius:12px;font-weight:700;font-size:15px;cursor:pointer;border:2px solid transparent;transition:.15s;white-space:nowrap}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#c60817}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:#000}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line)}.btn-ghost:hover{border-color:var(--ink)}
.btn-wa{background:#25D366;color:#fff}.btn-wa:hover{background:#1eb955}
.sec{padding:64px 0}
.sec-tight{padding:44px 0}
.center{text-align:center}
.eyebrow{color:var(--red);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:13px;margin-bottom:8px}
.lead{color:var(--muted);font-size:18px;max-width:680px}
.center .lead{margin-left:auto;margin-right:auto}

/* top bar + header */
.topbar{background:var(--ink);color:#fff;font-size:13px}
.topbar-in{display:flex;justify-content:space-between;align-items:center;height:38px}
.tb-actions a{margin-left:16px;color:#fff;font-weight:600}
.tb-wa{color:#4ade80!important}
.site-head{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;height:72px;gap:18px}
.logo img{height:44px}
.logo-txt{font-size:22px;font-weight:900;letter-spacing:-.02em}.logo-txt b{color:var(--red)}
.logo-sub{display:block;font-size:11px;font-weight:600;color:var(--muted);letter-spacing:.18em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:22px}
.nav a{font-weight:600;font-size:14.5px;color:#333}
.nav a:hover{color:var(--red)}
.nav-cta{background:var(--red);color:#fff!important;padding:10px 18px;border-radius:10px}
.nav-cta:hover{background:#c60817}
.burger{display:none;font-size:26px;cursor:pointer}

/* hero */
.hero{position:relative;background:linear-gradient(120deg,#0d0f14 0%,#1a1d26 55%,#2a0d10 100%);color:#fff;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(1200px 500px at 80% -10%,rgba(235,10,30,.35),transparent 60%)}
.hero-in{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:64px 0}
.hero h1{font-size:clamp(32px,4.6vw,54px);font-weight:900}
.hero h1 span{color:var(--red)}
.hero p{color:#c8cdd6;font-size:18px;max-width:520px}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0}
.hero-badge{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:100px;padding:8px 16px;font-size:13.5px;font-weight:600}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.hero-strip{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12)}
.hero-strip div{font-size:13.5px;color:#c8cdd6}.hero-strip b{display:block;color:#fff;font-size:15px}

/* quote card */
.quote-card{background:#fff;color:var(--ink);border-radius:20px;box-shadow:var(--shadow);padding:26px}
.quote-card h3{font-size:22px;text-align:center}
.quote-card .sub{text-align:center;color:var(--muted);font-size:14px;margin-bottom:16px}
.qtabs{display:flex;background:#f0f2f5;border-radius:12px;padding:4px;margin-bottom:14px}
.qtabs label{flex:1;text-align:center;padding:9px;border-radius:9px;font-weight:700;font-size:14px;cursor:pointer;color:var(--muted)}
.qtabs input{display:none}
.qtabs input:checked+label{background:var(--red);color:#fff}
.field{margin-bottom:11px}
.field label{display:block;font-size:12.5px;font-weight:600;color:#444;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;padding:12px 13px;border:1.5px solid var(--line);border-radius:10px;font:inherit;font-size:14.5px;background:#fff;transition:.12s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(235,10,30,.1)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.consent{display:flex;gap:8px;align-items:flex-start;font-size:12.5px;color:var(--muted);margin:6px 0 12px}
.consent input{margin-top:3px}
.q-note{text-align:center;font-size:12px;color:var(--muted);margin-top:10px}
.hp{position:absolute;left:-9999px}

/* trust bar */
.trust{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-in{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:26px 0}
.trust-in .t{display:flex;gap:12px;align-items:center}
.trust-in .t b{display:block;font-size:15px}.trust-in .t span{font-size:13px;color:var(--muted)}
.t-ic{width:42px;height:42px;flex:none;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;font-size:20px}

/* partners */
.partners{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;align-items:center}
.partner{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 22px;min-width:150px;text-align:center;font-weight:700;color:#333;box-shadow:0 4px 14px rgba(16,18,25,.04)}
.partner img{height:40px;margin:0 auto;object-fit:contain}
.partner small{display:block;color:var(--muted);font-weight:600;font-size:11px;margin-top:6px}

/* cards + split */
.cards{display:grid;gap:20px}
.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 4px 16px rgba(16,18,25,.04)}
.card h3{font-size:20px}
.card .ic{width:52px;height:52px;border-radius:14px;background:#fff0f1;color:var(--red);display:grid;place-items:center;font-size:24px;margin-bottom:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.split .panel{border-radius:20px;padding:34px;color:#fff}
.panel-tpp{background:linear-gradient(135deg,#111 0%,#2a2d36 100%);position:relative;overflow:hidden}
.panel-tpp:before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 90% 0,rgba(235,10,30,.4),transparent 60%)}
.panel-all{background:linear-gradient(135deg,var(--red) 0%,#a30612 100%)}
.split .panel h3{font-size:26px;position:relative}
.split .panel ul{list-style:none;padding:0;margin:16px 0 22px;position:relative}
.split .panel li{padding:7px 0 7px 28px;position:relative;color:rgba(255,255,255,.92)}
.split .panel li:before{content:"✓";position:absolute;left:0;color:#fff;font-weight:900;background:rgba(255,255,255,.16);width:20px;height:20px;border-radius:50%;display:grid;place-items:center;font-size:12px;top:8px}
.tag{display:inline-block;background:rgba(255,255,255,.16);border-radius:100px;padding:5px 14px;font-size:12.5px;font-weight:700;margin-bottom:14px;position:relative}

/* coverage grid */
.cov{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.cov .c{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;text-align:center}
.cov .c .ci{font-size:26px;margin-bottom:8px}
.cov .c b{font-size:14.5px;display:block}

/* compare table */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
table.compare{width:100%;border-collapse:collapse;min-width:640px;background:#fff}
table.compare th,table.compare td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:14.5px}
table.compare th{background:var(--ink);color:#fff;font-weight:700}
table.compare tr:last-child td{border-bottom:none}
.chip{display:inline-block;padding:3px 10px;border-radius:100px;font-size:12px;font-weight:700}
.chip-y{background:#e7f7ec;color:#16a34a}.chip-n{background:#f1f2f4;color:#9aa1ab}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 20px;position:relative}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;display:grid;place-items:center;margin-bottom:12px}

/* depreciation table */
.dep{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.dep th,.dep td{padding:12px 16px;text-align:center;border-bottom:1px solid var(--line);font-size:14.5px}
.dep th{background:var(--ink);color:#fff}
.dep td:first-child{text-align:left;font-weight:700}
.dep .tpp{color:var(--red);font-weight:800}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:28px}
.calc-out{background:var(--bg);border-radius:16px;padding:22px;margin-top:8px}
.calc-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px dashed var(--line);font-size:15px}
.calc-row.total{border-bottom:none;font-size:20px;font-weight:900;padding-top:14px}
.calc-total-val{color:var(--red)}
.estimate-note{font-size:12.5px;color:var(--muted);margin-top:12px}

/* reviews */
.review{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.stars{color:#f5a623;font-size:16px;margin-bottom:8px}
.review .who{margin-top:12px;font-weight:700;font-size:14px}
.review .veh{color:var(--muted);font-size:12.5px}
.verified{display:inline-block;font-size:11px;color:#16a34a;font-weight:700;margin-left:6px}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 20px;margin-bottom:10px}
.faq summary{padding:18px 0;font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--red);font-size:24px;font-weight:400}
.faq details[open] summary:after{content:"–"}
.faq details>p{padding:0 0 18px;color:var(--muted);margin:0}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--ink),#2a2d36);color:#fff;border-radius:22px;padding:44px;text-align:center;position:relative;overflow:hidden}
.cta-band:before{content:"";position:absolute;inset:0;background:radial-gradient(700px 300px at 50% 0,rgba(235,10,30,.4),transparent 60%)}
.cta-band h2,.cta-band p{position:relative}
.cta-band .hero-cta{justify-content:center}

/* footer */
.site-foot{background:#0d0f14;color:#c1c7d0;padding:56px 0 0;margin-top:20px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px;padding-bottom:30px}
.foot-brand{color:#fff;font-weight:800;font-size:18px;margin-bottom:12px}
.site-foot h4{color:#fff;font-size:15px;margin-bottom:14px}
.site-foot a{display:block;padding:5px 0;color:#c1c7d0;font-size:14px}
.site-foot a:hover{color:#fff}
.foot-addr{font-size:14px}
.foot-line{display:flex;align-items:center;gap:9px;font-size:14px;margin:0 0 8px}
.foot-line .ic-svg{width:17px;height:17px;flex:none;color:#8b93a1}
.site-foot .foot-line a{padding:0}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;font-size:12.5px;color:#8b93a1}

/* mobile sticky cta */
.mobcta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:50;background:#fff;border-top:1px solid var(--line);padding:8px;gap:8px;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.mobcta a{flex:1;text-align:center;padding:12px;border-radius:10px;font-weight:700;font-size:14px;background:var(--bg)}
.mobcta-wa{background:#25D366!important;color:#fff}
.mobcta-q{background:var(--red)!important;color:#fff}

/* thank you */
.ty{max-width:640px;margin:60px auto;text-align:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:44px;box-shadow:var(--shadow)}
.ty .tick{width:76px;height:76px;border-radius:50%;background:#e7f7ec;color:#16a34a;font-size:40px;display:grid;place-items:center;margin:0 auto 18px}
.ty .ref{display:inline-block;background:var(--bg);border:1px dashed var(--line);border-radius:10px;padding:10px 20px;font-weight:800;font-size:20px;margin:10px 0}

.alert{padding:14px 16px;border-radius:12px;margin-bottom:14px;font-size:14px}
.alert-err{background:#fdecec;color:#c0141a;border:1px solid #f5c2c4}
.alert-ok{background:#e7f7ec;color:#137a37;border:1px solid #b6e6c4}

@media(max-width:900px){
  .hero-in{grid-template-columns:1fr;gap:28px;padding:40px 0}
  .split,.cards.g2,.g4,.trust-in,.cov,.steps,.foot-grid{grid-template-columns:1fr 1fr}
  .cards.g3{grid-template-columns:1fr}
  .nav{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px;gap:0;border-bottom:1px solid var(--line);display:none;max-height:calc(100vh - 72px);overflow:auto}
  .nav a{padding:13px 0;border-bottom:1px solid var(--line)}
  #navtog:checked~.nav{display:flex}
  .burger{display:block}
  .mobcta{display:flex}
  body{padding-bottom:64px}
}
@media(max-width:600px){
  .grid2,.trust-in,.cov,.steps,.foot-grid,.cards.g2,.g4{grid-template-columns:1fr}
  .sec{padding:44px 0}
  .cta-band,.split .panel,.calc{padding:26px}
  .tb-hours{display:none}
}

/* =====================================================================
   PHASE 6 REVISION — best-rates messaging, buttons, TPP band,
   clickable partners, pre-selected quote, SEO/mobile polish.
   ===================================================================== */
.muted{color:var(--muted)}
.soft{background:var(--bg)}
.narrow{max-width:820px}
.sec-head{margin-bottom:30px}
.fineprint{margin-top:16px;color:var(--muted);font-size:13px}
.btn-block{width:100%}
.btn-sm{padding:9px 15px;font-size:13.5px}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,.08)}

/* hero copy spacing on desktop */
.hero-copy{min-width:0}

/* why-us cards */
.why-cards .card{transition:transform .15s, box-shadow .15s}
.why-cards .card:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(16,18,25,.1)}
.why-cards .card p{color:var(--muted);font-size:14.5px;margin:0}

/* partners — now clickable links */
.partners-sec .partner{transition:transform .14s, box-shadow .14s, border-color .14s;cursor:pointer}
.partners-sec .partner:hover{transform:translateY(-3px);box-shadow:0 12px 26px rgba(16,18,25,.1);border-color:var(--red)}
.partner-name{font-weight:800;font-size:16px;color:var(--ink)}

/* TPP informational band (not a binary split) */
.tpp-band{display:grid;grid-template-columns:1.5fr .8fr;gap:24px;align-items:center;
  background:linear-gradient(135deg,#111 0%,#2a2d36 100%);border-radius:22px;padding:40px;position:relative;overflow:hidden;color:#fff}
.tpp-band:before{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 90% 0,rgba(235,10,30,.42),transparent 60%)}
.tpp-band-copy{position:relative}
.tpp-band-copy p{color:rgba(255,255,255,.85)}
.tpp-list{list-style:none;padding:0;margin:16px 0 22px}
.tpp-list li{padding:7px 0 7px 28px;position:relative;color:rgba(255,255,255,.92)}
.tpp-list li:before{content:"✓";position:absolute;left:0;top:8px;color:#fff;font-weight:900;background:rgba(255,255,255,.16);width:20px;height:20px;border-radius:50%;display:grid;place-items:center;font-size:12px}
.tpp-band-stat{position:relative;text-align:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:26px 18px}
.big-stat{font-size:64px;font-weight:900;color:#ff5964;line-height:1}
.tpp-band-stat small{color:rgba(255,255,255,.6)}

/* selected company chip inside quote form */
.selected-co-box{display:flex;justify-content:space-between;align-items:center;background:#e7f7ec;border:1.5px solid #b6e6c4;border-radius:10px;padding:11px 13px;font-weight:700;color:#137a37;font-size:14px}
.selected-co-box a{color:var(--red);font-weight:600;font-size:12.5px}
.company-quote-wrap{max-width:560px;margin:0 auto}

/* reviews polish */
.review-txt{margin:0;color:#333}
.star-off{color:#ddd}

/* calc teaser two-col */
.calc-teaser{align-items:start}

/* responsive tables → stacked cards on phones */
@media(max-width:640px){
  table.compare, table.compare thead, table.compare tbody, table.compare tr, table.compare th, table.compare td{display:block}
  table.compare{min-width:0}
  table.compare thead{display:none}
  table.compare tr{border-bottom:8px solid var(--bg);padding:6px 0}
  table.compare td{border:none;padding:8px 16px;display:flex;justify-content:space-between;gap:14px;align-items:center}
  table.compare td:before{content:attr(data-label);font-weight:700;color:var(--muted);font-size:13px}
  table.compare td[data-label=""]{justify-content:flex-end}
  table.compare td[data-label=""]:before{display:none}
  .dep td{display:flex;justify-content:space-between;text-align:right}
  .dep thead{display:none}
  .dep td:before{content:attr(data-label);font-weight:700;color:var(--muted)}
  .dep td:first-child{font-weight:800}
}

/* tighter, cleaner mobile */
@media(max-width:900px){
  .tpp-band{grid-template-columns:1fr;text-align:center;padding:32px 24px}
  .tpp-band-copy .tpp-list{display:inline-block;text-align:left}
  .tpp-band-copy .hero-cta,.tpp-band-copy > a{margin:0 auto}
  .calc-teaser .calc-copy{order:-1}
}
@media(max-width:600px){
  h1{font-size:30px!important}
  h2{font-size:24px}
  .hero-in{padding:32px 0;gap:22px}
  .quote-card{padding:20px}
  .wrap{padding:0 16px}
  .why-cards{gap:14px}
  .big-stat{font-size:52px}
  .partners .partner{min-width:130px;flex:1 1 40%}
  .hero-cta .btn{flex:1 1 100%;justify-content:center}
}

/* company page: clean image banner (no overlaid text) + rich HTML content */
.co-banner-img{width:100%;background:#0d0f14;border-bottom:3px solid var(--red)}
.co-banner-img img{width:100%;max-height:320px;object-fit:cover;display:block}
.co-logo{height:46px;object-fit:contain;margin-bottom:12px}
.backlink{color:var(--muted);font-size:14px}
@media(max-width:640px){ .co-banner-img img{max-height:190px} .co-logo{height:38px} }
.rich-content{margin:28px 0 8px;line-height:1.8;color:#2a2f3a;font-size:16px}
.rich-content h2{font-size:26px;margin:24px 0 10px}
.rich-content h3{font-size:20px;margin:20px 0 8px}
.rich-content p{margin:0 0 14px}
.rich-content ul,.rich-content ol{margin:0 0 16px;padding-left:22px}
.rich-content li{margin:6px 0}
.rich-content img{border-radius:12px;margin:10px 0}
.rich-content a{color:var(--red);text-decoration:underline}
@media(max-width:600px){ .co-banner{min-height:200px} }

/* focus-visible accessibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(235,10,30,.35);outline-offset:2px}

/* ===== SVG icons ===== */
.ic-svg{width:24px;height:24px;display:block}
.t-ic .ic-svg{width:22px;height:22px;color:var(--red)}
.card .ic .ic-svg{width:26px;height:26px}
.cov .c .ci .ic-svg{width:28px;height:28px;margin:0 auto;color:var(--red)}
.hero-badge .ic-svg,.tick-list li .ic-svg{width:16px;height:16px}
.ic-lg{width:34px;height:34px}
.hero-badge{display:inline-flex;align-items:center;gap:8px}
.hero-badge .ic-svg{color:#ff8a92}

/* ===== TRACKER pages ===== */
.crumbs{background:var(--bg);border-bottom:1px solid var(--line);font-size:13px;color:var(--muted)}
.crumbs .wrap{padding-top:10px;padding-bottom:10px}
.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--red)}
.crumbs span{margin:0 6px;color:#c3c8d0}
.split-plain{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.tick-list{list-style:none;padding:0;margin:10px 0 0}
.tick-list li{padding:7px 0 7px 26px;position:relative;color:#374151;font-size:14.5px}
.tick-list li:before{content:"✓";position:absolute;left:0;top:7px;color:var(--red);font-weight:900;background:#fff0f1;width:19px;height:19px;border-radius:50%;display:grid;place-items:center;font-size:11px}
.trk-co-card .trk-co-head{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:42px}
.price-line{display:flex;gap:14px;flex-wrap:wrap;margin:10px 0;font-size:14px;color:#333}
.price-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:10px 0;background:var(--bg);border-radius:12px;padding:12px}
.price-grid b{font-size:16px}
.chip-opt{background:#fff7e6;color:#b7791f}
.chip-warn{background:#fff7e6;color:#b7791f}
@media(max-width:700px){ .split-plain{grid-template-columns:1fr} }