/* ============================================================
   PRIME HARBOR INSURANCE — FAQ TOPIC PAGE STYLES
   Module: phi-faq-topic
   Version: 1.0
   Last Updated: 2026-05-22
   Consumed by: /faq/[topic]/ pages
   Foundation dependency: phi-product-page-foundation (site-wide)
   Companion module: phi-author-byline (loaded on same pages)
   Pattern 43: !important defends color declarations against
   foundation .phi-page a:not(...) rule at specificity (0,7,1).
   ============================================================ */

.phi-faq-topic {
  font-family: var(--phi-font-sans, system-ui, -apple-system, sans-serif);
  color: var(--phi-charcoal, #1A1A1A);
  line-height: 1.65;
}

/* ============================================================
   HERO — topic-specific banner, smaller than hub hero.
   No image required; navy gradient with gold accent.
   ============================================================ */

.phi-faq-topic__hero {
  position: relative;
  background-color: #0B1F3A;
  background-image:
    linear-gradient(105deg, rgba(8, 32, 64, 0.94) 0%, rgba(11, 31, 58, 0.90) 35%, rgba(11, 31, 58, 0.55) 65%, rgba(11, 31, 58, 0.15) 100%),
    var(--phi-faq-hero-image, none),
    radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.08) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(201, 169, 97, 0.06) 0%, transparent 50%),
    linear-gradient(135deg, #082040 0%, #0B1F3A 60%, #061B36 100%);
  background-size: auto, auto 85%, auto, auto, auto;
  background-position: 0 0, right max(0px, calc(50vw - 675px)) center, 0 0, 0 0, 0 0;
  background-repeat: no-repeat, no-repeat, no-repeat, no-repeat, no-repeat;
  color: var(--phi-cream, #F7F5F0);
  padding: 56px 0 64px;
  overflow: hidden;
}

.phi-faq-topic__hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, var(--phi-gold, #C9A961) 30%, var(--phi-gold, #C9A961) 70%, transparent 100%);
  opacity: 0.4;
}

.phi-faq-topic__hero-inner {
  max-width: 1350px;
  margin: 0 auto;
  padding: 0 32px;
}

@media (max-width: 1180px) {
  .phi-faq-topic__hero {
    background-image:
      linear-gradient(105deg, rgba(8, 32, 64, 0.94) 0%, rgba(11, 31, 58, 0.92) 35%, rgba(11, 31, 58, 0.75) 65%, rgba(11, 31, 58, 0.55) 100%),
      var(--phi-faq-hero-image, none),
      radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.08) 0%, transparent 50%),
      radial-gradient(circle at 80% 70%, rgba(201, 169, 97, 0.06) 0%, transparent 50%),
      linear-gradient(135deg, #082040 0%, #0B1F3A 60%, #061B36 100%);
  }
  .phi-faq-topic__hero-inner {
    padding: 0 24px;
  }
}

.phi-faq-topic__hero-content {
  max-width: 760px;
}

.phi-faq-topic__hero-eyebrow {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--phi-gold, #C9A961);
  margin-bottom: 14px;
  padding: 5px 14px;
  border: 1px solid rgba(201, 169, 97, 0.45);
  border-radius: 999px;
}

.phi-faq-topic__hero-title {
  font-family: var(--phi-font-serif, Georgia, 'Playfair Display', serif);
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 700;
  line-height: 1.16;
  color: var(--phi-cream, #F7F5F0);
  margin: 0 0 14px 0;
  letter-spacing: -0.015em;
  text-wrap: balance;
}

.phi-faq-topic__hero-intro {
  font-size: clamp(14.5px, 1.6vw, 16px);
  line-height: 1.6;
  color: rgba(247, 245, 240, 0.88);
  margin: 0;
  max-width: 660px;
}

/* ============================================================
   BYLINE WRAP — left-aligned to 1350 edge same as hub.
   ============================================================ */

.phi-faq-topic__byline-wrap {
  max-width: 1350px;
  margin: 0 auto;
  padding: 28px 24px 0;
}

/* ============================================================
   MAIN LAYOUT — TOC sidebar + content column.
   Sticky TOC on desktop, collapsible accordion on mobile.
   ============================================================ */

.phi-faq-topic__layout {
  max-width: 1350px;
  margin: 32px auto 0;
  padding: 0 24px 64px;
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  align-items: start;
}

/* ============================================================
   TABLE OF CONTENTS (DESKTOP SIDEBAR / MOBILE ACCORDION)
   ============================================================ */

.phi-faq-topic__toc {
  position: sticky;
  top: 100px;
  background: var(--phi-cream, #F7F5F0);
  border: 1px solid rgba(11, 31, 58, 0.08);
  border-left: 3px solid var(--phi-gold, #C9A961);
  border-radius: 8px;
  padding: 20px 22px;
  max-height: calc(100vh - 140px);
  overflow-y: auto;
  overscroll-behavior: contain;
  /* Firefox custom scrollbar matches the gold left-border accent */
  scrollbar-width: thin;
  scrollbar-color: var(--phi-gold, #C9A961) transparent;
}

/* WebKit and Blink custom scrollbar (Safari, Chrome, Edge, iOS Safari) */
.phi-faq-topic__toc::-webkit-scrollbar {
  width: 8px;
  height: 8px;
}

.phi-faq-topic__toc::-webkit-scrollbar-track {
  background: transparent;
}

.phi-faq-topic__toc::-webkit-scrollbar-thumb {
  background: var(--phi-gold, #C9A961);
  border-radius: 4px;
}

.phi-faq-topic__toc::-webkit-scrollbar-thumb:hover {
  background: var(--phi-gold-deep, #A88842);
}

.phi-faq-topic__toc-title,
.phi-faq-topic__toc-summary {
  font-family: var(--phi-font-serif, Georgia, serif);
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--phi-navy-deep, #0B1F3A);
  margin: 0 0 28px 0;
}

/* Summary-specific: clickable cursor, focusable, no default outline halo */
.phi-faq-topic__toc-summary {
  cursor: pointer;
  outline: none;
  user-select: none;
}

/* Keyboard focus indicator for the summary */
.phi-faq-topic__toc-summary:focus-visible {
  outline: 2px solid var(--phi-gold, #C9A961);
  outline-offset: 3px;
  border-radius: 2px;
}

/* When details is collapsed, hide the bottom margin on summary so the
   border-radius of the parent container hugs cleanly with no dead space */
.phi-faq-topic__toc:not([open]) .phi-faq-topic__toc-summary {
  margin-bottom: 0;
}

.phi-faq-topic__toc-list {
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: phi-toc-counter;
}

.phi-faq-topic__toc-item {
  counter-increment: phi-toc-counter;
  margin: 0 0 8px 0;
  padding-left: 28px;
  position: relative;
  font-size: 13.5px;
  line-height: 1.45;
}

.phi-faq-topic__toc-item::before {
  content: counter(phi-toc-counter, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 0;
  font-size: 11px;
  font-weight: 700;
  color: var(--phi-gold-deep, #A88842);
  font-variant-numeric: tabular-nums;
}

.phi-faq-topic__toc-link {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-charcoal, #1A1A1A) !important;
  text-decoration: none !important;
  display: inline-block;
  transition: color 0.15s ease;
  border-bottom: 1px solid transparent;
}

.phi-faq-topic__toc-link:hover,
.phi-faq-topic__toc-link:focus-visible {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-gold-deep, #A88842) !important;
  border-bottom-color: var(--phi-gold-deep, #A88842);
}

.phi-faq-topic__toc-link:focus-visible {
  outline: 2px solid var(--phi-gold, #C9A961);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ============================================================
   CONTENT COLUMN — Q&A blocks.
   ============================================================ */

.phi-faq-topic__content {
  min-width: 0;
  max-width: 820px;
}

.phi-faq-topic__intro {
  font-size: 17px;
  line-height: 1.6;
  color: var(--phi-charcoal, #1A1A1A);
  margin: 0 0 36px 0;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(11, 31, 58, 0.08);
}

.phi-faq-topic__intro p {
  margin: 0 0 14px 0;
}

.phi-faq-topic__intro p:last-child {
  margin-bottom: 0;
}

.phi-faq-topic__qa-block {
  margin: 0 0 36px 0;
  padding: 0;
  scroll-margin-top: 100px;
}

.phi-faq-topic__qa-block:last-child {
  margin-bottom: 0;
}

.phi-faq-topic__question {
  font-family: var(--phi-font-serif, Georgia, serif);
  font-size: clamp(20px, 2.4vw, 24px);
  font-weight: 700;
  line-height: 1.25;
  color: var(--phi-navy-deep, #0B1F3A);
  margin: 0 0 16px 0;
  letter-spacing: -0.01em;
}

.phi-faq-topic__answer {
  font-size: 16px;
  line-height: 1.65;
  color: var(--phi-charcoal, #1A1A1A);
}

.phi-faq-topic__answer p {
  margin: 0 0 14px 0;
}

.phi-faq-topic__answer p:last-child {
  margin-bottom: 0;
}

.phi-faq-topic__answer ul,
.phi-faq-topic__answer ol {
  margin: 0 0 14px 0;
  padding-left: 22px;
}

.phi-faq-topic__answer li {
  margin-bottom: 6px;
  line-height: 1.6;
}

.phi-faq-topic__answer strong {
  color: var(--phi-navy-deep, #0B1F3A);
  font-weight: 700;
}

.phi-faq-topic__answer a {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-navy, #1B3A6B) !important;
  text-decoration: underline;
  text-decoration-color: rgba(27, 58, 107, 0.35);
  text-underline-offset: 2px;
  transition: color 0.15s ease, text-decoration-color 0.15s ease;
}

.phi-faq-topic__answer a:hover,
.phi-faq-topic__answer a:focus-visible {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-gold-deep, #A88842) !important;
  text-decoration-color: var(--phi-gold-deep, #A88842);
}

.phi-faq-topic__source-note {
  display: block;
  margin-top: 12px;
  font-size: 13px;
  line-height: 1.5;
  color: var(--phi-charcoal-soft, #444444);
  font-style: italic;
}

.phi-faq-topic__source-note strong {
  color: var(--phi-charcoal, #1A1A1A);
  font-style: normal;
}

.phi-faq-topic__qa-divider {
  height: 1px;
  background: rgba(11, 31, 58, 0.06);
  border: none;
  margin: 0;
}

/* ============================================================
   RELATED LINKS — at end of content column
   ============================================================ */

.phi-faq-topic__related {
  margin: 56px 0 0 0;
  padding: 32px;
  background: var(--phi-cream-warm, #F2EEE3);
  border: 1px solid rgba(11, 31, 58, 0.06);
  border-radius: 12px;
}

.phi-faq-topic__related-title {
  font-family: var(--phi-font-serif, Georgia, serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--phi-navy-deep, #0B1F3A);
  margin: 0 0 16px 0;
}

.phi-faq-topic__related-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.phi-faq-topic__related-item {
  margin-bottom: 10px;
  font-size: 15px;
  line-height: 1.5;
}

.phi-faq-topic__related-item:last-child {
  margin-bottom: 0;
}

.phi-faq-topic__related-link {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-navy, #1B3A6B) !important;
  text-decoration: none !important;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border-bottom: 1px solid var(--phi-navy-light, #2A4F8A);
  padding-bottom: 1px;
  transition: color 0.15s ease, gap 0.15s ease, border-color 0.15s ease;
}

.phi-faq-topic__related-link:hover,
.phi-faq-topic__related-link:focus-visible {
  /* !important defends against foundation rule per Pattern 43 */
  color: var(--phi-gold-deep, #A88842) !important;
  gap: 10px;
  border-bottom-color: var(--phi-gold-deep, #A88842);
}

/* ============================================================
   PREFOOTER CTA BAND (topic-page-specific)
   ============================================================ */

.phi-faq-topic__cta-band {
  max-width: 880px;
  margin: 0 auto 64px;
  padding: 0 24px;
}

.phi-faq-topic__cta-band-inner {
  background: var(--phi-navy-deep, #0B1F3A);
  color: var(--phi-cream, #F7F5F0);
  padding: 44px 32px;
  text-align: center;
  border-radius: 12px;
  position: relative;
  overflow: hidden;
}

.phi-faq-topic__cta-band-inner::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 80% 0%, rgba(201, 169, 97, 0.10) 0%, transparent 60%);
  pointer-events: none;
}

.phi-faq-topic__cta-band-content {
  position: relative;
  max-width: 560px;
  margin: 0 auto;
}

.phi-faq-topic__cta-band h2 {
  font-family: var(--phi-font-serif, Georgia, serif);
  font-size: clamp(22px, 3vw, 28px);
  font-weight: 700;
  color: var(--phi-cream, #F7F5F0);
  margin: 0 0 12px 0;
}

.phi-faq-topic__cta-band p {
  font-size: 15.5px;
  line-height: 1.6;
  color: rgba(247, 245, 240, 0.88);
  margin: 0 0 22px 0;
}

.phi-faq-topic__cta-band-button {
  /* !important defends against foundation rule + theme button styling per Pattern 43 */
  display: inline-block;
  padding: 14px 32px;
  background: var(--phi-gold, #C9A961) !important;
  background-color: var(--phi-gold, #C9A961) !important;
  color: var(--phi-navy-deep, #0B1F3A) !important;
  font-size: 15px;
  font-weight: 700;
  text-decoration: none !important;
  border-radius: 6px;
  border: 2px solid var(--phi-gold, #C9A961) !important;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease, transform 0.1s ease;
}

.phi-faq-topic__cta-band-button:hover,
.phi-faq-topic__cta-band-button:focus-visible {
  background: transparent !important;
  background-color: transparent !important;
  color: var(--phi-gold, #C9A961) !important;
  border-color: var(--phi-gold, #C9A961) !important;
}

.phi-faq-topic__cta-band-button:focus-visible {
  outline: 3px solid var(--phi-cream, #F7F5F0);
  outline-offset: 3px;
}

.phi-faq-topic__cta-band-button:active {
  transform: translateY(1px);
}

/* ============================================================
   SMOOTH SCROLL for anchor links (page-wide)
   ============================================================ */

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1024px) {
  .phi-faq-topic__layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .phi-faq-topic__toc {
    position: static;
    max-height: none;
    max-height: 360px;
    overflow-y: auto;
  }
}

@media (max-width: 768px) {
  .phi-faq-topic__hero {
    padding: 44px 0 52px;
  }
  .phi-faq-topic__byline-wrap {
    padding: 24px 22px 0;
  }
  .phi-faq-topic__layout {
    padding: 0 22px 56px;
    margin-top: 24px;
  }
  .phi-faq-topic__related {
    padding: 24px 22px;
  }
}

@media (max-width: 640px) {
  .phi-faq-topic__hero {
    padding: 36px 0 44px;
    background-image:
      linear-gradient(180deg, rgba(11, 31, 58, 0.93) 0%, rgba(11, 31, 58, 0.94) 50%, rgba(11, 31, 58, 0.93) 100%),
      var(--phi-faq-hero-image-mobile, var(--phi-faq-hero-image, none)),
      radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.08) 0%, transparent 50%),
      radial-gradient(circle at 80% 70%, rgba(201, 169, 97, 0.06) 0%, transparent 50%),
      linear-gradient(135deg, #082040 0%, #0B1F3A 60%, #061B36 100%);
    background-size: auto, cover, auto, auto, auto;
    background-position: 0 0, center, 0 0, 0 0, 0 0;
  }
  .phi-faq-topic__hero-inner {
    padding: 0 16px;
  }
}

@media (max-width: 480px) {
  .phi-faq-topic__hero {
    padding: 32px 0 40px;
  }
  .phi-faq-topic__hero-eyebrow {
    font-size: 11px;
    letter-spacing: 0.15em;
  }
  .phi-faq-topic__hero-title {
    font-size: clamp(24px, 6.5vw, 28px);
  }
  .phi-faq-topic__hero-intro {
    font-size: 14.5px;
  }
  .phi-faq-topic__byline-wrap {
    padding: 18px 18px 0;
  }
  .phi-faq-topic__layout {
    padding: 0 18px 48px;
  }
  .phi-faq-topic__question {
    font-size: 19px;
  }
  .phi-faq-topic__answer {
    font-size: 15.5px;
  }
  .phi-faq-topic__toc {
    padding: 18px 20px;
  }
  .phi-faq-topic__cta-band {
    padding: 0 18px;
  }
  .phi-faq-topic__cta-band-inner {
    padding: 32px 22px;
  }
}

/* ============================================================
   PRINT
   ============================================================ */

@media print {
  .phi-faq-topic__toc,
  .phi-faq-topic__cta-band {
    display: none !important;
  }
  .phi-faq-topic__layout {
    grid-template-columns: 1fr;
  }
}