/* ============================================================
   Jewelers Mutual Widget — hogans-jm-widget.css
   Paste contents into Punchmark Site Manager:
   Design / Theme Settings > Global CSS field.
   Do NOT paste into the page editor.
   Tag to call in Global Header:
   <link rel="stylesheet" href="/path/to/hogans-jm-widget.css">
   ============================================================ */

/* ── Base ── */
.jm-widget {
  font-family: 'Jost', sans-serif;
  color: #252525;
  max-width: 1100px;
  margin: 0 auto;
  padding: 40px 24px;
}

.jm-widget *,
.jm-widget *::before,
.jm-widget *::after {
  box-sizing: border-box;
}

.jm-widget h2,
.jm-widget h3,
.jm-widget h4 {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: #252525;
  margin-top: 0;
}

.jm-widget p {
  line-height: 1.75;
  margin-top: 0;
}

.jm-widget a {
  color: #8C7A5D;
  text-decoration: underline;
}

.jm-widget a:hover {
  color: #252525;
}

/* ── Section spacing ── */
.jm-intro,
.jm-why,
.jm-coverage,
.jm-excluded,
.jm-how,
.jm-cost,
.jm-discounts,
.jm-eligibility,
.jm-cta,
.jm-disclaimer {
  margin-bottom: 56px;
}

/* ── Intro ── */
.jm-intro__heading {
  font-size: 2.2rem;
  margin-bottom: 16px;
}

.jm-intro__sub {
  font-size: 1.05rem;
  max-width: 820px;
}

/* ── Section headings ── */
.jm-why__heading,
.jm-coverage__heading,
.jm-excluded__heading,
.jm-how__heading,
.jm-cost__heading,
.jm-discounts__heading,
.jm-eligibility__heading,
.jm-cta__heading {
  font-size: 1.7rem;
  border-bottom: 2px solid #8C7A5D;
  padding-bottom: 8px;
  margin-bottom: 24px;
}

/* ── Why grid ── */
.jm-why__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

@media (max-width: 768px) {
  .jm-why__grid {
    grid-template-columns: 1fr;
  }
}

.jm-why__card {
  background: #FAF8F4;
  border: 1px solid #e0dbd3;
  border-top: 3px solid #8C7A5D;
  padding: 28px 24px;
}

.jm-why__icon {
  color: #8C7A5D;
  font-size: 0.6rem;
  margin-bottom: 12px;
  letter-spacing: 4px;
}

.jm-why__card h4 {
  font-size: 1.1rem;
  margin-bottom: 10px;
}

/* ── Coverage grid ── */
.jm-coverage__intro {
  margin-bottom: 28px;
}

.jm-coverage__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

@media (max-width: 600px) {
  .jm-coverage__grid {
    grid-template-columns: 1fr;
  }
}

.jm-coverage__item {
  padding: 20px 24px;
  background: #FAF8F4;
  border-left: 3px solid #8C7A5D;
}

.jm-coverage__item h4 {
  font-size: 1rem;
  font-style: normal;
  font-family: 'Jost', sans-serif;
  font-weight: 600;
  margin-bottom: 6px;
  color: #252525;
}

.jm-coverage__item p {
  margin: 0;
  font-size: 0.95rem;
}

/* ── Excluded ── */
.jm-excluded {
  background: #FAF8F4;
  border: 1px solid #e0dbd3;
  padding: 32px;
}

.jm-excluded__list {
  padding-left: 20px;
  margin: 0 0 16px;
}

.jm-excluded__list li {
  margin-bottom: 8px;
  line-height: 1.65;
}

.jm-excluded__note {
  font-size: 0.875rem;
  color: #666;
  margin: 0;
  font-style: italic;
}

/* ── How it works steps ── */
.jm-how__steps {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.jm-how__step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
}

.jm-how__num {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  background: #252525;
  color: #FAF8F4;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-style: italic;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  margin-top: 2px;
}

.jm-how__step h4 {
  font-size: 1rem;
  font-style: normal;
  font-family: 'Jost', sans-serif;
  font-weight: 600;
  margin-bottom: 6px;
}

.jm-how__step p {
  margin: 0;
  font-size: 0.95rem;
}

/* ── Cost ── */
.jm-cost__examples {
  display: flex;
  gap: 16px;
  margin: 24px 0;
  flex-wrap: wrap;
}

.jm-cost__example {
  background: #252525;
  color: #FAF8F4;
  padding: 20px 28px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  min-width: 180px;
}

.jm-cost__value {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 1.2rem;
}

.jm-cost__range {
  font-size: 1rem;
  color: #8C7A5D;
  font-weight: 600;
}

.jm-cost__note {
  font-size: 0.875rem;
  color: #666;
  font-style: italic;
  margin: 0;
}

/* ── Discounts ── */
.jm-discounts__list {
  padding-left: 20px;
  margin: 0;
}

.jm-discounts__list li {
  margin-bottom: 12px;
  line-height: 1.65;
}

/* ── CTA ── */
.jm-widget .jm-cta {
  background: #252525 !important;
  color: #FAF8F4 !important;
  padding: 40px;
  text-align: center;
}

.jm-widget .jm-cta .jm-cta__heading {
  color: #FAF8F4 !important;
  font-size: 1.7rem !important;
  border: none !important;
  padding: 0 !important;
  margin-bottom: 16px !important;
}

.jm-widget .jm-cta p {
  max-width: 640px;
  margin: 0 auto 28px;
  color: #FAF8F4 !important;
}

.jm-widget .jm-cta .jm-cta__btn {
  display: inline-block !important;
  background: #8C7A5D !important;
  color: #FFFFFF !important;
  text-decoration: none !important;
  padding: 14px 32px !important;
  font-family: 'Jost', sans-serif !important;
  font-size: 0.95rem !important;
  letter-spacing: 0.05em !important;
  transition: background 0.2s ease;
  border: none !important;
}

.jm-widget .jm-cta .jm-cta__btn:hover {
  background: #FAF8F4 !important;
  color: #252525 !important;
}

/* ── Disclaimer ── */
.jm-disclaimer {
  border-top: 1px solid #e0dbd3;
  padding-top: 24px;
  margin-bottom: 0;
}

.jm-disclaimer p {
  font-size: 0.8rem;
  color: #888;
  line-height: 1.7;
  margin: 0;
}

.jm-disclaimer a {
  color: #8C7A5D;
}