/* ===== Reset & Base ===== */
* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Oxygen',
    'Ubuntu', 'Cantarell', 'Fira Sans', 'Droid Sans', 'Helvetica Neue', sans-serif;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  color: #111827;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

main {
  flex: 1 0 auto;
  display: flex;
  flex-direction: column;
}

img {
  max-width: 100%;
}

a {
  text-decoration: none;
  color: inherit;
}

h1, h2, h3, p {
  margin: 0;
}

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 16px;
}

/* ===== Buttons ===== */
.btn {
  display: inline-block;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  border: none;
  transition: transform 0.2s ease-out, background-color 0.15s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: #16a34a;
  color: #fff;
  padding: 16px 32px;
  font-size: 1.125rem;
}

.btn-primary:hover {
  background: #15803d;
}

.btn-small {
  padding: 8px 24px;
  font-size: 0.875rem;
}

.btn-full {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 1rem;
}

.btn-full:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

/* ===== Navbar ===== */
.navbar {
  background: #1e3a8a;
  color: #fff;
  position: relative;
  z-index: 100;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: bold;
  font-size: 1.25rem;
}

.nav-logo-badge {
  width: 32px;
  height: 32px;
  background: #3B1A12;
  border-radius: 50%;
  border: 2px solid #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.125rem;
  flex-shrink: 0;
}

.nav-desktop {
  display: none;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 8px 12px;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 500;
}

.nav-link:hover {
  background: #1e40af;
}

.nav-cta {
  background: #16a34a;
  padding: 8px 16px;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 500;
}

.nav-cta:hover {
  background: #15803d;
}

.nav-dropdown {
  position: relative;
}

.nav-dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 4px;
  background: none;
  border: none;
  color: #fff;
  font: inherit;
  padding: 8px 12px;
  border-radius: 6px;
  cursor: pointer;
}

.nav-dropdown-toggle:hover {
  background: #1e40af;
}

.nav-dropdown-menu {
  display: none;
  position: absolute;
  left: 0;
  top: 100%;
  margin-top: 8px;
  width: 240px;
  background: #fff;
  border-radius: 6px;
  box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
  padding: 4px 0;
  max-height: 70vh;
  overflow-y: auto;
}

.nav-dropdown.open .nav-dropdown-menu,
.nav-dropdown:hover .nav-dropdown-menu {
  display: block;
}

.nav-dropdown-menu a {
  display: block;
  padding: 8px 16px;
  font-size: 0.875rem;
  color: #374151;
}

.nav-dropdown-menu a:hover {
  background: #f3f4f6;
}

.nav-mobile-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: none;
  border: none;
  color: #fff;
  padding: 8px;
  border-radius: 6px;
  cursor: pointer;
}

.nav-mobile-btn:hover {
  background: #1e40af;
}

.nav-mobile {
  display: none;
  padding: 8px 8px 12px;
}

.nav-mobile.open {
  display: block;
}

.nav-mobile a {
  display: block;
  padding: 8px 12px;
  border-radius: 6px;
  font-size: 1rem;
}

.nav-mobile a:hover {
  background: #1e40af;
}

.nav-mobile-section-title {
  padding: 8px 12px;
  font-weight: 500;
}

.nav-mobile-sub a {
  padding-left: 24px;
  font-size: 0.875rem;
}

.nav-mobile-cta {
  background: #16a34a;
  margin-top: 4px;
}

.nav-mobile-cta:hover {
  background: #15803d;
}

@media (min-width: 768px) {
  .nav-desktop {
    display: flex;
  }
  .nav-mobile-btn,
  .nav-mobile {
    display: none !important;
  }
}

/* ===== Recognition Banner ===== */
.recognition-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #fbbf24;
  color: #0c1a4b;
  padding: 12px 16px;
  text-align: center;
  font-size: 0.875rem;
  font-weight: 500;
}

.recognition-banner:hover {
  background: #fcd34d;
}

.recognition-banner svg {
  flex-shrink: 0;
}

.recognition-banner .link-arrow {
  text-decoration: underline;
  margin-left: 4px;
  white-space: nowrap;
}

@media (min-width: 768px) {
  .recognition-banner {
    font-size: 1rem;
  }
}

/* ===== Home Hero ===== */
.home-hero {
  position: relative;
  height: 600px;
  overflow: hidden;
}

.home-hero-images {
  position: absolute;
  inset: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 4px;
}

.home-hero-images > div {
  position: relative;
  background-size: cover;
  background-position: center;
}

.home-hero-images > div::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.4);
}

.home-hero-overlay {
  position: relative;
  height: 100%;
  background: linear-gradient(to right, rgba(0,0,0,0.7), rgba(0,0,0,0.5) 60%, transparent);
  display: flex;
  align-items: center;
}

.home-hero-content {
  color: #fff;
  max-width: 640px;
}

.home-hero-content h1 {
  font-size: 2.5rem;
  font-weight: bold;
  margin-bottom: 24px;
}

.home-hero-content p {
  font-size: 1.25rem;
  margin-bottom: 32px;
}

/* ===== Insurance Page Hero ===== */
.page-hero {
  position: relative;
  height: 400px;
  background-size: cover;
  background-position: center;
}

.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.5);
}

.page-hero-content {
  position: relative;
  height: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
}

.page-hero-content > div {
  color: #fff;
  max-width: 640px;
}

.page-hero-content h1 {
  font-size: 2.5rem;
  font-weight: bold;
  margin-bottom: 24px;
}

.page-hero-content p {
  font-size: 1.25rem;
  margin-bottom: 32px;
}

/* ===== Sections ===== */
.section {
  padding: 64px 0;
}

.section-white {
  background: #fff;
}

.section-gray {
  background: #f9fafb;
}

.section-title {
  font-size: 1.875rem;
  font-weight: bold;
  text-align: center;
  margin-bottom: 48px;
}

/* ===== Grids & Cards ===== */
.grid {
  display: grid;
  gap: 16px;
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3-top { grid-template-columns: 1fr; gap: 32px; margin-bottom: 64px; }

@media (min-width: 768px) {
  .grid-3-top { grid-template-columns: repeat(3, 1fr); }
  .grid-2 { gap: 32px; }
}

.icon-card {
  text-align: center;
  padding: 24px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
}

.icon-card svg {
  width: 48px;
  height: 48px;
  color: #1e3a8a;
  margin: 0 auto 16px;
}

.icon-card h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 8px;
}

.icon-card p {
  color: #4b5563;
}

/* ===== Feature List ===== */
.feature-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 768px) {
  .feature-list {
    grid-template-columns: repeat(2, 1fr);
  }
}

.feature-item {
  display: flex;
  gap: 16px;
}

.feature-item svg {
  width: 24px;
  height: 24px;
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 2px;
}

.feature-item h3 {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 8px;
}

.feature-item p {
  color: #4b5563;
}

/* ===== Coverage CTA ===== */
.coverage-cta {
  margin-top: 64px;
  background: #1e3a8a;
  color: #fff;
  border-radius: 8px;
  padding: 48px 24px;
  text-align: center;
}

.coverage-cta h2 {
  font-size: 1.75rem;
  font-weight: bold;
  margin-bottom: 16px;
}

.coverage-cta p {
  color: #bfdbfe;
  margin-bottom: 32px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

/* ===== Broker vs Direct Compare ===== */
.broker-compare-grid {
  grid-template-columns: 1fr;
  max-width: 900px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .broker-compare-grid { grid-template-columns: repeat(2, 1fr); }
}

.compare-card {
  border-radius: 8px;
  padding: 32px;
}

.compare-card h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.compare-card ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.compare-card li {
  margin-bottom: 12px;
  line-height: 1.5;
}

.compare-direct {
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  color: #6b7280;
}

.compare-broker {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
}

.compare-broker li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.compare-broker svg {
  width: 20px;
  height: 20px;
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 3px;
}

/* ===== Why Choose / Values ===== */
.value-card {
  text-align: center;
}

.value-card svg {
  width: 48px;
  height: 48px;
  color: #1e3a8a;
  margin: 0 auto 16px;
}

.value-card h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 8px;
}

.value-card p {
  color: #4b5563;
}

/* ===== Dark CTA Band ===== */
.cta-band {
  background: #1e3a8a;
  color: #fff;
  padding: 64px 0;
  text-align: center;
}

.cta-band h2 {
  font-size: 1.875rem;
  font-weight: bold;
  margin-bottom: 16px;
}

.cta-band p {
  font-size: 1.25rem;
  margin-bottom: 32px;
}

/* ===== Insurance Solutions Grid (Home) ===== */
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

@media (min-width: 768px) {
  .solutions-grid { grid-template-columns: repeat(3, 1fr); gap: 32px; }
}

@media (min-width: 1024px) {
  .solutions-grid { grid-template-columns: repeat(4, 1fr); }
}

.solution-card {
  padding: 16px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  height: 100%;
  transition: box-shadow 0.15s ease, transform 0.2s ease-out;
}

.solution-card:hover {
  box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1);
  transform: scale(1.02);
}

.solution-card svg {
  width: 32px;
  height: 32px;
  color: #1e3a8a;
  margin-bottom: 8px;
}

.solution-card h3 {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 4px;
}

.solution-card p {
  font-size: 0.875rem;
  color: #4b5563;
}

@media (min-width: 768px) {
  .solution-card { padding: 24px; }
  .solution-card svg { width: 48px; height: 48px; margin-bottom: 16px; }
  .solution-card h3 { font-size: 1.25rem; margin-bottom: 8px; }
  .solution-card p { font-size: 1rem; }
}

/* ===== Footer ===== */
.footer {
  background: #111827;
  color: #fff;
  flex-shrink: 0;
}

.footer-inner {
  padding: 48px 16px;
  max-width: 1280px;
  margin: 0 auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 768px) {
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  font-weight: bold;
  font-size: 1.25rem;
}

.footer-about p {
  color: #9ca3af;
}

.footer-links-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.footer h3 {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer li {
  margin-bottom: 8px;
}

.footer a.footer-link {
  color: #9ca3af;
}

.footer a.footer-link:hover {
  color: #fff;
}

.footer-contact li {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #9ca3af;
}

.footer-contact svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid #1f2937;
  margin-top: 32px;
  padding-top: 32px;
  text-align: center;
  color: #9ca3af;
}

/* ===== About / Contact / Quote shared ===== */
.hero-simple {
  position: relative;
  height: 400px;
  background-size: cover;
  background-position: center;
  display: flex;
  align-items: center;
}

.hero-simple-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.6);
}

.hero-simple-content {
  position: relative;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 16px;
  color: #fff;
  max-width: 768px;
}

.hero-simple-content h1 {
  font-size: 2.5rem;
  font-weight: bold;
  margin-bottom: 24px;
}

.mission {
  text-align: center;
  max-width: 768px;
  margin: 0 auto;
}

.mission svg {
  width: 64px;
  height: 64px;
  color: #1e3a8a;
  margin: 0 auto 24px;
}

.mission h2 {
  font-size: 1.875rem;
  font-weight: bold;
  margin-bottom: 24px;
}

.mission p {
  font-size: 1.25rem;
  color: #4b5563;
}

.broker-profile {
  max-width: 768px;
  margin: 0 auto;
  text-align: center;
}

.broker-profile img {
  width: 192px;
  height: 192px;
  border-radius: 50%;
  object-fit: cover;
  border: 4px solid #1e3a8a;
  margin-bottom: 24px;
}

.broker-profile h2 {
  font-size: 1.875rem;
  font-weight: bold;
  margin-bottom: 16px;
}

.broker-profile .role {
  font-size: 1.25rem;
  color: #4b5563;
  margin-bottom: 24px;
}

.broker-profile .bio {
  font-size: 1.125rem;
  color: #4b5563;
}

/* Contact page */
.contact-card {
  max-width: 768px;
  margin: 0 auto;
  background: #fff;
  box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1);
  border-radius: 8px;
  overflow: hidden;
}

.contact-card-inner {
  display: flex;
  flex-direction: column;
}

@media (min-width: 768px) {
  .contact-card-inner { flex-direction: row; }
}

.contact-photo {
  padding: 32px;
  background: #1e3a8a;
  text-align: center;
}

@media (min-width: 768px) {
  .contact-photo { width: 33.333%; }
}

.contact-photo img {
  width: 192px;
  height: 192px;
  border-radius: 50%;
  object-fit: cover;
  border: 4px solid #fff;
  margin: 0 auto;
}

.contact-photo h2 {
  color: #fff;
  font-size: 1.5rem;
  font-weight: bold;
  margin-top: 16px;
}

.contact-photo p {
  color: #bfdbfe;
}

.contact-details {
  padding: 32px;
}

@media (min-width: 768px) {
  .contact-details { width: 66.667%; }
}

.contact-row {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}

.contact-row svg {
  width: 24px;
  height: 24px;
  color: #1e3a8a;
  flex-shrink: 0;
}

.contact-row .label {
  font-weight: 600;
}

.contact-row a {
  color: #2563eb;
}

.contact-row a:hover {
  color: #1e40af;
}

.hours-block {
  margin-top: 32px;
  padding-top: 32px;
  border-top: 1px solid #e5e7eb;
}

.hours-block h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.hours-block p {
  color: #4b5563;
  margin-bottom: 8px;
}

/* Quote page */
.quote-page {
  background: #f9fafb;
  padding: 64px 0;
}

.quote-header {
  text-align: center;
  margin-bottom: 48px;
}

.quote-header h1 {
  font-size: 2.25rem;
  font-weight: bold;
  margin-bottom: 16px;
}

.quote-header p {
  font-size: 1.25rem;
  color: #4b5563;
}

.quote-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 1024px) {
  .quote-layout { grid-template-columns: 1fr 2fr; }
}

.quote-card {
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1);
  padding: 32px;
}

.quote-broker-photo {
  text-align: center;
  margin-bottom: 32px;
}

.quote-broker-photo img {
  width: 128px;
  height: 128px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 16px;
}

.quote-broker-photo h2 {
  font-size: 1.25rem;
  font-weight: 600;
}

.quote-broker-photo p {
  color: #4b5563;
}

.quote-why h3, .quote-contact h3 {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.quote-why ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.quote-why li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
  color: #4b5563;
}

.quote-why svg {
  width: 24px;
  height: 24px;
  color: #16a34a;
  flex-shrink: 0;
}

.quote-contact {
  border-top: 1px solid #e5e7eb;
  padding-top: 32px;
  margin-top: 32px;
}

.quote-contact p {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #4b5563;
  margin-bottom: 12px;
}

.quote-contact svg {
  width: 20px;
  height: 20px;
  color: #16a34a;
}

.form-group {
  margin-bottom: 24px;
}

.form-group h3 {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 768px) {
  .form-row { grid-template-columns: repeat(2, 1fr); }
}

label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: #374151;
  margin-bottom: 4px;
}

input, select, textarea {
  width: 100%;
  padding: 8px 16px;
  border: 1px solid #d1d5db;
  border-radius: 6px;
  font: inherit;
  font-size: 1rem;
}

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: #3b82f6;
  box-shadow: 0 0 0 1px #3b82f6;
}

.form-disclaimer {
  font-size: 0.875rem;
  color: #6b7280;
  text-align: center;
  margin-top: 16px;
}

.form-status {
  margin-bottom: 24px;
  padding: 16px;
  border-radius: 6px;
}

.form-status.success {
  background: #f0fdf4;
  color: #166534;
}

.form-status.error {
  background: #fef2f2;
  color: #991b1b;
}

/* ===== Animations ===== */
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-fade-in {
  animation: fadeIn 0.5s ease-out;
}

.animate-slide-up {
  animation: slideUp 0.5s ease-out;
}

.stagger-children > * {
  opacity: 0;
  animation: slideUp 0.5s ease-out forwards;
}

.stagger-children > *:nth-child(1) { animation-delay: 0.1s; }
.stagger-children > *:nth-child(2) { animation-delay: 0.2s; }
.stagger-children > *:nth-child(3) { animation-delay: 0.3s; }
.stagger-children > *:nth-child(4) { animation-delay: 0.4s; }
.stagger-children > *:nth-child(5) { animation-delay: 0.5s; }