/* Website Redesign: Deep Navy & Gold — Professional Insurance */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
    --primary: #0a1628;
    --primary-mid: #112240;
    --accent: #d4a017;
    --accent-light: #f0c040;
    --bg-soft: #f4f6fb;
    --text: #2d3748;
    --text-light: #64748b;
    --white: #ffffff;
    --border: #e2e8f0;
    --transition: all 0.3s ease;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background-color: var(--white);
    line-height: 1.7;
}

.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

section { padding: 90px 0; }

.section-title { text-align: center; margin-bottom: 55px; }
.section-title h2 { font-size: 2.2rem; color: var(--primary); margin-bottom: 10px; font-weight: 800; letter-spacing: -0.5px; }
.section-title p { color: var(--text-light); font-size: 1.05rem; }

/* Buttons — sharp rectangular */
.btn {
    display: inline-block;
    padding: 14px 32px;
    border-radius: 4px;
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
    border: none;
    cursor: pointer;
    text-decoration: none;
    letter-spacing: 0.3px;
}

.btn-primary { background: var(--accent); color: var(--primary); }
.btn-primary:hover { background: var(--accent-light); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(212,160,23,0.35); }

/* ── Header ── */
header {
    background: var(--primary);
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

.logo { font-weight: 800; font-size: 1.5rem; color: var(--white); display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo i { color: var(--accent); }

.nav-links { display: flex; gap: 32px; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.75); font-weight: 500; text-decoration: none; font-size: 0.95rem; transition: var(--transition); }
.nav-links a:hover, .nav-links a.active { color: var(--accent); }

/* ── Hero ── */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-mid) 60%, #1a3a6b 100%);
    padding: 110px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(212,160,23,0.12) 0%, transparent 70%);
    border-radius: 50%;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -100px; left: -60px;
    width: 350px; height: 350px;
    background: radial-gradient(circle, rgba(212,160,23,0.08) 0%, transparent 70%);
    border-radius: 50%;
}

.hero h1 { font-size: 3.6rem; color: var(--white); margin-bottom: 22px; line-height: 1.15; font-weight: 800; letter-spacing: -1px; position: relative; z-index: 1; }
.hero h1 span { color: var(--accent); }
.hero p { font-size: 1.15rem; color: rgba(255,255,255,0.75); max-width: 580px; margin: 0 auto 40px; position: relative; z-index: 1; }
.hero > .container > div { position: relative; z-index: 1; }

/* ── Cards ── */
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 24px; }

.card {
    padding: 36px 30px;
    background: var(--white);
    border-radius: 8px;
    border: 1px solid var(--border);
    border-top: 4px solid var(--accent);
    transition: var(--transition);
    text-align: center;
}

.card:hover { box-shadow: 0 12px 40px rgba(10,22,40,0.1); transform: translateY(-4px); }

.card i { font-size: 2.2rem; color: var(--accent); margin-bottom: 18px; }
.card h3 { font-size: 1.1rem; font-weight: 700; color: var(--primary); margin-bottom: 12px; }
.card p { font-size: 0.92rem; color: var(--text-light); line-height: 1.7; }

.card .btn { align-self: center; font-size: 0.88rem; padding: 12px 20px; }
.card .btn i, .card a i, .btn i { font-size: 0.75rem; }

/* ── FAQ ── */
.faq-item { margin-bottom: 12px; border-radius: 6px; border: 1px solid var(--border); background: var(--white); }
.faq-header { padding: 20px; cursor: pointer; font-weight: 600; color: var(--primary); display: flex; justify-content: space-between; }

/* ── Footer ── */
footer { background: var(--primary); color: var(--white); padding: 80px 0 20px; }
footer h4 { margin-bottom: 22px; color: var(--accent); font-weight: 700; font-size: 1rem; text-transform: uppercase; letter-spacing: 0.8px; }
footer ul { list-style: none; }
footer li { margin-bottom: 10px; }
footer a { color: rgba(255,255,255,0.6); text-decoration: none; transition: var(--transition); font-size: 0.92rem; }
footer a:hover { color: var(--accent); }

/* ── Hamburger ── */
.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    background: none;
    border: none;
    padding: 4px;
}
.hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--white);
    transition: var(--transition);
}

/* ── Layout helpers ── */
.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.two-col-alt {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
}

/* ── Stats row ── */
.stats-row {
    display: flex;
    gap: 40px;
    margin-top: 30px;
    flex-wrap: wrap;
}

/* ── Newsletter ── */
.newsletter-form {
    display: flex;
    gap: 10px;
    max-width: 500px;
    margin: 0 auto;
}
.newsletter-form input {
    flex: 1;
    padding: 14px 18px;
    border: 1px solid var(--border);
    border-radius: 4px;
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    outline: none;
    transition: var(--transition);
}
.newsletter-form input:focus { border-color: var(--accent); }

/* ── Footer grid ── */
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 40px;
    margin-bottom: 50px;
}

/* ── Divider accent line ── */
.accent-line {
    width: 60px;
    height: 4px;
    background: var(--accent);
    margin: 14px 0 20px;
    border-radius: 2px;
}

.header-phone-text { display: inline; }

/* ── Responsive ── */
@media (max-width: 992px) {
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .two-col, .two-col-alt { grid-template-columns: 1fr; gap: 30px; }
    .two-col .icon-col, .two-col-alt .icon-col { display: none; }
}

@media (max-width: 768px) {
    .hero h1 { font-size: 2.2rem; }
    .hero p { font-size: 1rem; }

    section { padding: 60px 0; }

    .hamburger { display: flex; }

    .nav-links {
        display: none;
        flex-direction: column;
        gap: 0;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--primary-mid);
        border-top: 1px solid rgba(255,255,255,0.1);
        box-shadow: 0 8px 20px rgba(0,0,0,0.3);
        z-index: 200;
    }
    .nav-links.open { display: flex; }
    .nav-links li a {
        display: block;
        padding: 14px 20px;
        border-bottom: 1px solid rgba(255,255,255,0.08);
    }

    header .container { position: relative; }

    .header-phone-text { display: none; }
    .btn.btn-primary.header-btn { padding: 10px 14px; font-size: 0.85rem; }

    .footer-grid { grid-template-columns: 1fr; gap: 30px; }

    .two-col, .two-col-alt { grid-template-columns: 1fr; gap: 30px; }
    .two-col .icon-col, .two-col-alt .icon-col { display: none; }

    .stats-row { gap: 20px; }

    .newsletter-form { flex-direction: column; }
    .newsletter-form input { width: 100%; }

    .section-title h2 { font-size: 1.7rem; }

    .plans-top-padding { padding-top: 80px !important; }
}