/* ==========================================================================
   ASSERTIVE INSURANCE — CORPORATE DESIGN SYSTEM
   Brand Primary: #0B6B9F | Secondary: Deep Navy #0A2540 | Font: Inter
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  --primary: #0B6B9F;
  --primary-hover: #08547C;
  --primary-light: #EBF5FB;
  --primary-dark: #063C59;
  --navy: #0A2540;
  --navy-dark: #06182B;
  --navy-light: #163B66;
  --text-main: #1E293B;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --bg-light: #F8FAFC;
  --bg-white: #FFFFFF;
  --border: #E2E8F0;
  --border-light: #F1F5F9;
  --success: #10B981;
  --success-bg: #ECFDF5;
  --danger: #EF4444;
  --danger-bg: #FEF2F2;
  --amber: #F59E0B;
  --amber-bg: #FFFBEB;
  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(10, 37, 64, 0.05);
  --shadow-md: 0 6px 20px -2px rgba(10, 37, 64, 0.08);
  --shadow-lg: 0 16px 36px -4px rgba(10, 37, 64, 0.12);
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Base Reset & Box Sizing */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  color: var(--text-main);
  background-color: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--primary-hover);
}

ul, ol {
  list-style: none;
}

button, input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
}

/* Typography Scale */
h1, h2, h3, h4, h5, h6 {
  color: var(--navy);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.25rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.75rem, 3vw, 2.35rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); }
h4 { font-size: 1.15rem; }
h5 { font-size: 1rem; }
h6 { font-size: 0.875rem; text-transform: uppercase; letter-spacing: 0.08em; }

p {
  color: var(--text-muted);
  font-size: 1.025rem;
  line-height: 1.65;
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.container-narrow {
  max-width: 860px;
}

.section {
  padding-top: 5rem;
  padding-bottom: 5rem;
}

.section-sm {
  padding-top: 3rem;
  padding-bottom: 3rem;
}

.section-bg {
  background-color: var(--bg-light);
}

.section-navy {
  background-color: var(--navy);
  color: #FFFFFF;
}

.section-navy h1, .section-navy h2, .section-navy h3, .section-navy h4 {
  color: #FFFFFF;
}

.section-navy p {
  color: #CBD5E1;
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

/* Badges & Chips */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.badge-primary {
  background-color: var(--primary-light);
  color: var(--primary);
  border: 1px solid rgba(11, 107, 159, 0.2);
}

.badge-navy {
  background-color: rgba(255, 255, 255, 0.12);
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.badge-success {
  background-color: var(--success-bg);
  color: var(--success);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.75rem 1.6rem;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--primary);
  color: #FFFFFF;
  border-color: var(--primary);
  box-shadow: 0 2px 6px rgba(11, 107, 159, 0.25);
}

.btn-primary:hover {
  background-color: var(--primary-hover);
  border-color: var(--primary-hover);
  color: #FFFFFF;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(11, 107, 159, 0.35);
}

.btn-secondary {
  background-color: #FFFFFF;
  color: var(--navy);
  border-color: var(--border);
}

.btn-secondary:hover {
  background-color: var(--bg-light);
  border-color: var(--navy);
  color: var(--navy);
}

.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--primary);
}

.btn-outline:hover {
  background-color: var(--primary);
  color: #FFFFFF;
}

.btn-white {
  background-color: #FFFFFF;
  color: var(--navy);
  border-color: #FFFFFF;
}

.btn-white:hover {
  background-color: var(--bg-light);
  color: var(--primary);
}

.btn-outline-white {
  background-color: transparent;
  color: #FFFFFF;
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
  background-color: #FFFFFF;
  color: var(--navy);
  border-color: #FFFFFF;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.85rem;
}

.btn-lg {
  padding: 0.9rem 2rem;
  font-size: 1.05rem;
}

/* ==========================================================================
   TOPBAR
   ========================================================================== */
.topbar {
  background-color: var(--navy-dark);
  color: #94A3B8;
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 0.45rem 0;
  position: relative;
  z-index: 1001;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.topbar-left {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.15rem 0.6rem;
  border-radius: 9999px;
  background-color: rgba(255, 255, 255, 0.08);
  color: #E2E8F0;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.topbar-badge .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--primary);
}

.topbar-address {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: #CBD5E1;
}

.topbar-address svg {
  width: 14px;
  height: 14px;
  color: var(--primary);
}

.topbar-right {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.topbar-status {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: #CBD5E1;
}

@keyframes pulseDot {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(16, 185, 129, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.live-pulse {
  width: 8px;
  height: 8px;
  background-color: #10B981;
  border-radius: 50%;
  display: inline-block;
  animation: pulseDot 2s infinite;
}

.topbar-phone {
  color: #FFFFFF;
  font-weight: 600;
  transition: var(--transition);
}

.topbar-phone:hover {
  color: var(--primary);
}

.topbar-hours {
  color: #94A3B8;
  font-size: 0.775rem;
}

/* ==========================================================================
   MAIN MODERN HEADER & NAVIGATION
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.85);
  box-shadow: 0 4px 20px -2px rgba(10, 37, 64, 0.04);
  transition: var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
  position: relative;
}

.brand-logo {
  display: flex;
  align-items: center;
  transition: transform 0.2s ease;
}

.brand-logo:hover {
  transform: translateY(-1px);
}

.brand-logo img {
  height: 52px;
  width: auto;
  max-width: 240px;
  object-fit: contain;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.brand-logo:hover img {
  opacity: 0.95;
  transform: scale(1.02);
}

/* Nav Menu List */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 2.25rem;
}

.nav-item {
  position: relative;
}

.nav-item.has-mega {
  position: static;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.75rem 0;
  position: relative;
  transition: color 0.2s ease;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0px;
  left: 0;
  width: 0;
  height: 2.5px;
  background-color: var(--primary);
  border-radius: 2px;
  transition: width 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.nav-link:hover, .nav-link.active {
  color: var(--primary);
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

.nav-link svg.chevron {
  width: 14px;
  height: 14px;
  transition: transform 0.25s ease;
  color: var(--text-muted);
}

.nav-item:hover .nav-link svg.chevron {
  transform: rotate(180deg);
  color: var(--primary);
}

/* Modern Mega Menu */
.mega-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(12px);
  width: 860px;
  max-width: calc(100% - 2rem);
  background-color: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 48px -8px rgba(10, 37, 64, 0.16), 0 4px 12px rgba(10, 37, 64, 0.05);
  padding: 1.75rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.22s cubic-bezier(0.16, 1, 0.3, 1), transform 0.22s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.22s;
  z-index: 1200;
  display: grid;
  grid-template-columns: 1.15fr 1.15fr 0.95fr;
  gap: 1.5rem;
}

.mega-menu::before {
  content: '';
  position: absolute;
  top: -16px;
  left: 0;
  right: 0;
  height: 16px;
  background: transparent;
}

.nav-item.has-mega:hover .mega-menu,
.nav-item.has-mega:focus-within .mega-menu,
.nav-item:hover .mega-menu,
.nav-item:focus-within .mega-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.mega-col {
  display: flex;
  flex-direction: column;
}

.mega-heading {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-light);
  margin-bottom: 0.85rem;
  padding-left: 0.5rem;
}

.mega-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 0.75rem 0.65rem;
  border-radius: var(--radius);
  transition: var(--transition);
}

.mega-item:hover {
  background-color: var(--bg-light);
  transform: translateX(2px);
}

.mega-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background-color: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}

.mega-item:hover .mega-icon {
  background-color: var(--primary);
  color: #FFFFFF;
}

.mega-icon svg {
  width: 20px;
  height: 20px;
}

.mega-text {
  flex-grow: 1;
}

.mega-title {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
}

.mega-item:hover .mega-title {
  color: var(--primary);
}

.mega-desc {
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.4;
  margin-top: 0.2rem;
}

.mega-pill {
  font-size: 0.675rem;
  font-weight: 700;
  padding: 0.1rem 0.45rem;
  border-radius: 9999px;
  background-color: var(--primary-light);
  color: var(--primary);
  text-transform: uppercase;
}

/* Mega Menu Featured Card */
.mega-featured-card {
  background: linear-gradient(135deg, #F0F9FF 0%, #E0F2FE 100%);
  border: 1px solid #BAE6FD;
  border-radius: var(--radius);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  height: 100%;
}

.mega-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--primary);
  letter-spacing: 0.05em;
  margin-bottom: 0.65rem;
}

.mega-featured-card h4 {
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.mega-featured-card p {
  font-size: 0.8rem;
  line-height: 1.5;
  color: #475569;
  margin-bottom: 1.25rem;
}

.mega-call-direct {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 1rem;
}

.mega-call-direct svg {
  width: 14px;
  height: 14px;
}

.mega-featured-card .btn {
  margin-top: auto;
  font-size: 0.85rem;
  padding: 0.55rem 1rem;
}

/* Action Area in Header */
.header-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.header-phone-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.55rem 1rem;
  border-radius: 9999px;
  background-color: var(--bg-light);
  border: 1.5px solid var(--border);
  color: var(--navy);
  font-size: 0.875rem;
  font-weight: 600;
  transition: var(--transition);
}

.header-phone-pill svg {
  width: 15px;
  height: 15px;
  color: var(--primary);
}

.header-phone-pill:hover {
  background-color: #FFFFFF;
  border-color: var(--primary);
  color: var(--primary);
  box-shadow: 0 4px 12px rgba(11, 107, 159, 0.12);
  transform: translateY(-1px);
}

.btn-header-quote {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-hover) 100%);
  color: #FFFFFF;
  border: none;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.925rem;
  padding: 0.65rem 1.4rem;
  box-shadow: 0 4px 14px rgba(11, 107, 159, 0.3);
}

.btn-header-quote:hover {
  box-shadow: 0 6px 20px rgba(11, 107, 159, 0.42);
  transform: translateY(-1.5px);
  color: #FFFFFF;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--navy);
}

.mobile-toggle svg {
  width: 28px;
  height: 28px;
}

/* ==========================================================================
   MODERN MOBILE DRAWER
   ========================================================================== */
.mobile-drawer {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  background-color: rgba(6, 24, 43, 0.75);
  backdrop-filter: blur(8px);
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.mobile-drawer.active {
  opacity: 1;
  visibility: visible;
}

.drawer-content {
  position: absolute;
  top: 0;
  right: 0;
  width: 88%;
  max-width: 400px;
  height: 100%;
  background-color: #FFFFFF;
  padding: 1.5rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
}

.mobile-drawer.active .drawer-content {
  transform: translateX(0);
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--border);
  margin-bottom: 1.5rem;
}

.drawer-close {
  background: var(--bg-light);
  border: 1px solid var(--border);
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  cursor: pointer;
  color: var(--navy);
  transition: var(--transition);
}

.drawer-close:hover {
  background-color: var(--primary);
  color: #FFFFFF;
  border-color: var(--primary);
}

.drawer-menu {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 0.85rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.drawer-link:hover, .drawer-link.active {
  background-color: var(--bg-light);
  color: var(--primary);
}

.drawer-category {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-light);
  padding: 0.5rem 0.85rem 0.25rem;
  margin-top: 0.5rem;
}

.drawer-submenu {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  padding-left: 0.5rem;
  margin-bottom: 0.5rem;
}

.drawer-subitem {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.6rem 0.85rem;
  border-radius: var(--radius-sm);
  color: var(--text-main);
  font-size: 0.925rem;
  font-weight: 500;
  transition: var(--transition);
}

.drawer-subitem:hover {
  background-color: var(--primary-light);
  color: var(--primary);
}

.drawer-subitem svg {
  width: 18px;
  height: 18px;
  color: var(--primary);
  flex-shrink: 0;
}

.drawer-footer {
  margin-top: auto;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.drawer-contact-card {
  background-color: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem;
  font-size: 0.85rem;
}

.drawer-contact-card .title {
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.drawer-contact-card .detail {
  color: var(--text-muted);
  line-height: 1.4;
}

/* ==========================================================================
   HERO SECTIONS
   ========================================================================== */
.hero {
  position: relative;
  background-color: #F8FAFC;
  padding: 4.5rem 0;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: 3.5rem;
}

.hero-content {
  max-width: 620px;
}

.hero-title {
  margin-bottom: 1.25rem;
  color: var(--navy);
}

.hero-title span {
  color: var(--primary);
}

.hero-desc {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.hero-highlights {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}

.highlight-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
}

.highlight-item svg {
  width: 18px;
  height: 18px;
  color: var(--primary);
  flex-shrink: 0;
}

.hero-visual {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.hero-image-wrapper img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.hero-floating-card {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  background-color: #FFFFFF;
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 1rem;
  max-width: 280px;
}

.floating-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.floating-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
}

.floating-subtitle {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Page Subpage Hero */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0F3559 100%);
  color: #FFFFFF;
  padding: 4rem 0 4.5rem;
  position: relative;
}

.page-hero h1 {
  color: #FFFFFF;
  margin-bottom: 1rem;
}

.page-hero p {
  color: #CBD5E1;
  font-size: 1.15rem;
  max-width: 680px;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  margin-bottom: 1rem;
  color: #94A3B8;
}

.breadcrumbs a {
  color: #CBD5E1;
}

.breadcrumbs a:hover {
  color: #FFFFFF;
}

.breadcrumbs span.separator {
  color: #64748B;
}

/* ==========================================================================
   CARDS & GRIDS
   ========================================================================== */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

/* Service Card */
.service-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(11, 107, 159, 0.3);
}

.service-card-media {
  position: relative;
  height: 200px;
  overflow: hidden;
}

.service-card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.service-card:hover .service-card-media img {
  transform: scale(1.05);
}

.service-card-tag {
  position: absolute;
  top: 1rem;
  left: 1rem;
  background-color: rgba(10, 37, 64, 0.85);
  backdrop-filter: blur(4px);
  color: #FFFFFF;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
  font-size: 0.75rem;
  font-weight: 600;
}

.service-card-body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.service-card-title {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
  color: var(--navy);
}

.service-card-text {
  font-size: 0.925rem;
  line-height: 1.6;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.service-card-features {
  margin-bottom: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border-light);
}

.service-card-features li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--text-main);
  margin-bottom: 0.4rem;
}

.service-card-features li svg {
  width: 14px;
  height: 14px;
  color: var(--primary);
  flex-shrink: 0;
}

/* Feature / Pillar Card */
.feature-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  transition: var(--transition);
}

.feature-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.feature-icon-wrapper {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  background-color: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.feature-icon-wrapper svg {
  width: 26px;
  height: 26px;
}

.feature-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
}

.feature-card p {
  font-size: 0.925rem;
  margin-bottom: 0;
}

/* Step Card (How It Works) */
.step-card {
  position: relative;
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.step-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #FFFFFF;
  font-weight: 700;
  font-size: 1.125rem;
  margin-bottom: 1.25rem;
}

.step-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}

.step-card p {
  font-size: 0.925rem;
  margin-bottom: 0;
}

/* ==========================================================================
   STATS & TRUST RIBBON
   ========================================================================== */
.trust-ribbon {
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--border);
  padding: 2.5rem 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.trust-val {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.trust-lbl {
  font-size: 0.875rem;
  color: var(--text-muted);
  font-weight: 500;
}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-list {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 1.25rem 1.5rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.faq-trigger:hover {
  color: var(--primary);
}

.faq-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform 0.2s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--primary);
}

.faq-content {
  padding: 0 1.5rem 1.25rem;
  display: none;
  border-top: 1px solid transparent;
}

.faq-item.active .faq-content {
  display: block;
}

.faq-content p {
  font-size: 0.95rem;
  line-height: 1.65;
}

/* ==========================================================================
   FORMS & INPUTS
   ========================================================================== */
.form-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.45rem;
}

.form-label .required {
  color: var(--danger);
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.95rem;
  color: var(--navy);
  background-color: #FFFFFF;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 107, 159, 0.15);
}

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 16px;
  padding-right: 2.5rem;
}

textarea.form-control {
  resize: vertical;
  min-height: 120px;
}

.form-note {
  font-size: 0.775rem;
  color: var(--text-muted);
  margin-top: 0.35rem;
}

.form-alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1.5rem;
  font-size: 0.925rem;
  display: none;
}

.form-alert.success {
  display: block;
  background-color: var(--success-bg);
  color: #065F46;
  border: 1px solid #A7F3D0;
}

.form-alert.error {
  display: block;
  background-color: var(--danger-bg);
  color: #991B1B;
  border: 1px solid #FECACA;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background-color: var(--navy-dark);
  color: #94A3B8;
  padding-top: 4.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand img {
  height: 50px;
  width: auto;
  max-width: 230px;
  object-fit: contain;
  margin-bottom: 1.25rem;
}

.footer-brand p {
  color: #94A3B8;
  font-size: 0.9rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.footer-heading {
  color: #FFFFFF;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  margin-bottom: 1.25rem;
}

.footer-links li {
  margin-bottom: 0.65rem;
}

.footer-links a {
  color: #CBD5E1;
  font-size: 0.875rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: #FFFFFF;
  padding-left: 0.25rem;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  margin-bottom: 0.85rem;
  color: #CBD5E1;
  font-size: 0.875rem;
}

.footer-contact-item svg {
  width: 16px;
  height: 16px;
  color: var(--primary);
  margin-top: 0.2rem;
  flex-shrink: 0;
}

.footer-contact-item a {
  color: #CBD5E1;
}

.footer-contact-item a:hover {
  color: #FFFFFF;
}

.footer-disclaimer {
  padding-top: 2rem;
  padding-bottom: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.775rem;
  color: #64748B;
  line-height: 1.6;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8125rem;
  color: #64748B;
}

.footer-legal-links {
  display: flex;
  gap: 1.5rem;
}

.footer-legal-links a {
  color: #94A3B8;
}

.footer-legal-links a:hover {
  color: #FFFFFF;
}

/* ==========================================================================
   HOMEPAGE EXPANDED MODULES: TABS, COMPARISON & KNOWLEDGE COMPONENTS
   ========================================================================== */

/* 1. Life-Stage Navigator Tabs */
.plan-tabs {
  margin-top: 2rem;
}

.plan-tab-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.plan-tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.4rem;
  border-radius: 9999px;
  background-color: #FFFFFF;
  border: 1.5px solid var(--border);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.925rem;
  cursor: pointer;
  transition: var(--transition);
}

.plan-tab-btn:hover {
  border-color: var(--primary);
  color: var(--primary);
  background-color: var(--primary-light);
}

.plan-tab-btn.active {
  background-color: var(--navy);
  color: #FFFFFF;
  border-color: var(--navy);
  box-shadow: 0 4px 14px rgba(10, 37, 64, 0.2);
}

.plan-tab-panel {
  display: none;
  animation: fadeIn 0.3s ease;
}

.plan-tab-panel.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.plan-panel-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: var(--shadow-md);
}

/* 2. Comparison Table (Independent Broker vs. Captive) */
.comparison-wrapper {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  background: #FFFFFF;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.95rem;
}

.comparison-table th {
  padding: 1.25rem 1.5rem;
  font-weight: 700;
  color: var(--navy);
  border-bottom: 1.5px solid var(--border);
  background-color: var(--bg-light);
}

.comparison-table th.highlight-col {
  background-color: var(--primary-light);
  color: var(--primary-dark);
  border-top: 3px solid var(--primary);
}

.comparison-table td {
  padding: 1.15rem 1.5rem;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-muted);
  vertical-align: middle;
}

.comparison-table tr:hover td {
  background-color: #FAFAFC;
}

.comparison-table td.highlight-col {
  background-color: rgba(235, 245, 251, 0.4);
  font-weight: 600;
  color: var(--navy);
}

.check-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--success-bg);
  color: var(--success);
  margin-right: 0.5rem;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}

.cross-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--danger-bg);
  color: var(--danger);
  margin-right: 0.5rem;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}

/* 3. Insurance Terms Decoded */
.term-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.term-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}

.term-badge {
  display: inline-flex;
  align-items: center;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--primary);
  background-color: var(--primary-light);
  padding: 0.25rem 0.65rem;
  border-radius: 9999px;
  margin-bottom: 1rem;
}

.term-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.term-example {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px dashed var(--border);
  font-size: 0.85rem;
  color: #475569;
  background-color: var(--bg-light);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
}

/* 4. Real Client Case Studies */
.case-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.case-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
  transform: translateY(-3px);
}

.case-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
}

.case-client-tag {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--navy);
  background-color: #F1F5F9;
  padding: 0.25rem 0.65rem;
  border-radius: 6px;
}

.case-metric {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary);
}

.case-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.case-outcome {
  margin-top: auto;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border-light);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.case-outcome svg {
  color: var(--success);
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

/* 5. Rich Graphic Components & Visual Enhancements */
.highlight-box {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  border-left: 4px solid var(--primary);
  padding: 2.25rem 2.5rem;
  box-shadow: var(--shadow-sm);
  margin: 2rem 0;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
  margin-top: 2rem;
}

.benefit-item {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: var(--transition);
}

.benefit-item:hover {
  transform: translateY(-3px);
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
}

.benefit-item-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background-color: var(--primary-light);
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.25rem;
}

.benefit-item h4 {
  font-size: 1.05rem;
  margin: 0;
  color: var(--navy);
}

.benefit-item p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 0;
}

.formula-card {
  background: linear-gradient(145deg, #0A2540 0%, #0E3559 100%);
  color: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  margin: 2.5rem 0;
}

.formula-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 1.75rem;
}

.formula-item {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
  padding: 1.5rem;
  backdrop-filter: blur(8px);
}

.formula-letter {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--primary);
  color: #FFFFFF;
  font-size: 1.1rem;
  font-weight: 800;
  margin-bottom: 0.75rem;
}

.formula-item h4 {
  color: #FFFFFF;
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.formula-item p {
  color: #CBD5E1;
  font-size: 0.875rem;
  line-height: 1.5;
  margin: 0;
}

.timeline-flow {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  position: relative;
  margin: 2.5rem 0;
}

.timeline-step {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: var(--transition);
}

.timeline-step:hover {
  transform: translateY(-3px);
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
}

.timeline-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.25rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 700;
  background-color: var(--primary-light);
  color: var(--primary);
  border-radius: 9999px;
  margin-bottom: 1rem;
}

.timeline-step h4 {
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 0.65rem;
}

.timeline-step p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 0;
}

.stat-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.5rem;
  padding: 2.5rem 2rem;
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  margin: 2rem 0;
  text-align: center;
}

.stat-strip-val {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  margin-bottom: 0.35rem;
}

.stat-strip-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES
   ========================================================================== */
@media (max-width: 1100px) {
  .nav-menu {
    gap: 1.5rem;
  }
  .header-phone-pill {
    display: none;
  }
}

@media (max-width: 1024px) {
  .nav-menu {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  
  .hero-visual {
    order: -1;
    max-width: 600px;
    margin: 0 auto;
  }

  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .topbar {
    padding: 0.35rem 0;
  }

  .topbar-inner {
    justify-content: center;
  }

  .topbar-left {
    justify-content: center;
    width: 100%;
  }

  .topbar-right {
    display: none;
  }

  .topbar-hours {
    display: none;
  }

  .header-actions .btn-header-quote {
    display: none;
  }

  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: 1fr;
  }

  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 1rem;
  }

  .form-card {
    padding: 1.5rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .hero-floating-card {
    position: static;
    margin-top: 1rem;
    max-width: 100%;
  }
}