/* EZ Finance LLC — ezpremiumfinance.com
   Palette from Epperson Insurance Co: navy, royal blue, steel; white page, black text. */
:root {
  --navy: #0d2a5c; --blue: #1a6fc4; --steel: #c3cfe2; --ink: #0b0e14; --muted: #4d5869; --line: #dde3ec; --tint: #f3f6fb; --white: #ffffff;
  --f-brand: "Cinzel", "Trajan Pro", Georgia, serif; --f-body: "Public Sans", "Segoe UI", system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--white); color: var(--ink); font: 16px/1.6 var(--f-body); }
a { color: var(--blue); }
a:focus-visible, button:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; }
.wrap { max-width: 1080px; margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
h1, h2, h3 { line-height: 1.2; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(30px, 4.6vw, 46px); font-weight: 700; letter-spacing: -.015em; color: var(--navy); }
h2 { font-size: clamp(23px, 3vw, 30px); font-weight: 700; color: var(--navy); }
h3 { font-size: 18px; font-weight: 700; }
p { margin: 0; }

/* header */
.top { border-bottom: 1px solid var(--line); background: var(--white); position: sticky; top: 0; z-index: 5; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 14px; flex-wrap: wrap; }
.brand { text-decoration: none; display: grid; line-height: 1; }
.brand b { font: 700 24px var(--f-brand); letter-spacing: .08em; color: var(--navy); }
.brand span { font-size: 10.5px; letter-spacing: .3em; text-transform: uppercase; color: var(--blue); font-weight: 600; display: flex; align-items: center; gap: 8px; margin-top: 6px; }
.brand span::before, .brand span::after { content: ""; height: 1.5px; width: 14px; background: currentColor; }
nav { display: flex; gap: 22px; align-items: center; flex-wrap: wrap; font-size: 15px; }
nav a { color: var(--ink); text-decoration: none; font-weight: 500; }
nav a:hover { color: var(--blue); }
.btn { display: inline-flex; align-items: center; gap: 8px; border-radius: 6px; padding: 11px 18px; font-weight: 600; text-decoration: none; border: 1.5px solid var(--navy); color: var(--navy); background: var(--white); font-size: 15px; }
.btn.pri { background: var(--navy); color: var(--white); }
.btn.pri:hover { background: #163d80; }
.btn:hover { border-color: var(--blue); }
nav .btn { padding: 8px 14px; }

/* home */
.hero { padding-block: 72px 64px; }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.hero p.lead { font-size: 19px; color: var(--muted); margin-top: 18px; max-width: 34em; }
.hero .btns { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero .rule { width: 64px; height: 3px; background: var(--blue); margin-bottom: 22px; }
.sample { border: 1.5px solid var(--navy); border-radius: 8px; padding: 22px; display: grid; gap: 14px; }
.sample .eyebrow { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.sample .row { display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px solid var(--line); padding-bottom: 10px; font-variant-numeric: tabular-nums; }
.sample .row:last-of-type { border-bottom: 0; }
.sample .big { font-size: 30px; font-weight: 700; color: var(--navy); }
.sample small { color: var(--muted); font-size: 12.5px; }
section.band { padding-block: 64px; border-top: 1px solid var(--line); }
section.band.tint { background: var(--tint); }
.sec-head { max-width: 40em; display: grid; gap: 10px; margin-bottom: 32px; }
.sec-head p { color: var(--muted); }
.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; counter-reset: s; }
.steps li { list-style: none; display: grid; gap: 8px; align-content: start; }
.steps li::before { counter-increment: s; content: counter(s); width: 34px; height: 34px; border-radius: 50%; border: 1.5px solid var(--navy); color: var(--navy); display: grid; place-items: center; font-weight: 700; }
.steps p, .cols p { color: var(--muted); }
.steps { padding: 0; margin: 0; }
.cols { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px; }
.lines { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.lines span { border: 1px solid var(--steel); border-radius: 20px; padding: 5px 12px; font-size: 14px; color: var(--navy); background: var(--white); }
ul.check { padding: 0; margin: 14px 0 0; display: grid; gap: 10px; }
ul.check li { list-style: none; padding-left: 26px; position: relative; color: var(--ink); }
ul.check li::before { content: ""; position: absolute; left: 2px; top: 8px; width: 12px; height: 7px; border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(-45deg); }
.contact { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
.contact div { display: grid; gap: 4px; }
.label { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.note { border-left: 3px solid var(--blue); padding: 12px 16px; background: var(--tint); color: var(--ink); font-size: 15px; }

/* legal pages */
.legal { padding-block: 48px 72px; }
.legal .wrap { max-width: 780px; }
.legal h1 { font-size: clamp(28px, 4vw, 38px); }
.legal .meta { color: var(--muted); margin-top: 8px; }
.legal h2 { font-size: 21px; margin-top: 36px; margin-bottom: 10px; }
.legal h3 { font-size: 16.5px; margin-top: 20px; margin-bottom: 6px; }
.legal p, .legal li { color: var(--ink); }
.legal p + p { margin-top: 12px; }
.legal ul { padding-left: 22px; margin: 10px 0; display: grid; gap: 6px; }
.legal .box { border: 1.5px solid var(--navy); border-radius: 6px; padding: 16px 18px; margin-top: 16px; }
.toc { border: 1px solid var(--line); border-radius: 6px; padding: 14px 18px; margin-top: 24px; font-size: 15px; }
.toc ol { margin: 6px 0 0; padding-left: 20px; columns: 2; column-gap: 28px; }

/* pay */
.pay { padding-block: 64px 80px; }
.pay .wrap { max-width: 720px; display: grid; gap: 22px; }
.card { border: 1.5px solid var(--navy); border-radius: 8px; padding: 22px; display: grid; gap: 10px; }

/* footer */
footer { background: var(--navy); color: #dfe7f3; padding-block: 40px; font-size: 14px; }
footer .wrap { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr) minmax(0, 1fr); gap: 28px; }
footer a { color: #ffffff; }
footer .brand b { color: #ffffff; font-size: 20px; }
footer .brand span { color: #7db8f2; }
footer p { color: #b9c8e0; margin-top: 10px; }
footer .links { display: grid; gap: 6px; align-content: start; }
footer .fine { grid-column: 1 / -1; border-top: 1px solid #23427a; padding-top: 18px; color: #9fb3d3; font-size: 12.5px; }

@media (max-width: 820px) {
  .hero .wrap, .cols, .contact, footer .wrap { grid-template-columns: minmax(0, 1fr); }
  .steps { grid-template-columns: minmax(0, 1fr); }
  .hero { padding-block: 44px; }
  nav { gap: 14px; font-size: 14px; }
  .toc ol { columns: 1; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }