/* ===== Design Tokens ===== */
:root {
  --navy: #0A2540;
  --navy-light: #123a5e;
  --teal: #0FA3A3;
  --teal-dark: #0b7f7f;
  --gold: #F2A93B;
  --bg-light: #F7F9FC;
  --white: #FFFFFF;
  --text-dark: #1B2733;
  --text-muted: #5B6B79;
  --border: #E3E8EF;
  --shadow: 0 4px 20px rgba(10, 37, 64, 0.08);
  --radius: 14px;
  --max-width: 1180px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  color: var(--text-dark);
  background: var(--bg-light);
  line-height: 1.6;
}

img, svg { max-width: 100%; display: block; }

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

ul { list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== Buttons ===== */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: all 0.25s ease;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: #e0982a; transform: translateY(-2px); }

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-secondary:hover { background: rgba(255,255,255,0.15); }

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

.btn-block { width: 100%; text-align: center; }

/* ===== Header / Nav ===== */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 20px;
  color: var(--white);
}
.logo span.highlight { color: var(--teal); }
.logo-icon {
  width: 36px;
  height: 36px;
  background: var(--teal);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: var(--navy);
  font-weight: 800;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  color: var(--white);
  font-weight: 500;
  font-size: 15px;
  position: relative;
  padding-bottom: 4px;
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--teal); }
.nav-links a.active::after {
  content: '';
  position: absolute;
  left: 0; bottom: -4px;
  width: 100%; height: 2px;
  background: var(--teal);
}

.nav-cta { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
}
.nav-toggle span {
  width: 26px; height: 3px;
  background: var(--white);
  border-radius: 2px;
}

/* ===== Hero ===== */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, var(--teal-dark) 130%);
  color: var(--white);
  padding: 90px 0 80px;
}

.hero-inner {
  display: flex;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}

.hero-content { flex: 1 1 420px; }

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  color: var(--teal);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 18px;
  letter-spacing: 0.5px;
}

.hero h1 {
  font-size: 42px;
  line-height: 1.2;
  margin-bottom: 18px;
  font-weight: 800;
}

.hero h1 .accent { color: var(--gold); }

.hero p {
  font-size: 17px;
  color: #D7E2ED;
  margin-bottom: 28px;
  max-width: 520px;
}

.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-visual {
  flex: 1 1 380px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 32px;
  backdrop-filter: blur(4px);
}

.hero-visual h3 { margin-bottom: 16px; font-size: 18px; }

.quick-quote-form { display: flex; flex-direction: column; gap: 14px; }

.quick-quote-form select,
.quick-quote-form input {
  padding: 12px 14px;
  border-radius: 8px;
  border: none;
  font-size: 14px;
  background: var(--white);
  color: var(--text-dark);
}

/* ===== Trust Bar ===== */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.trust-bar .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
  text-align: center;
}
.trust-stat h3 { color: var(--navy); font-size: 26px; font-weight: 800; }
.trust-stat p { color: var(--text-muted); font-size: 13px; }

/* ===== Section Titles ===== */
.section { padding: 80px 0; }
.section-alt { background: var(--white); }

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}
.section-header .tag {
  color: var(--teal-dark);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.section-header h2 {
  font-size: 32px;
  color: var(--navy);
  margin: 10px 0 14px;
  font-weight: 800;
}
.section-header p { color: var(--text-muted); }

/* ===== Insurance Cards Grid ===== */
.grid {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(3, 1fr);
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.card:hover { transform: translateY(-6px); box-shadow: 0 10px 30px rgba(10,37,64,0.14); }

.card-icon {
  width: 54px; height: 54px;
  border-radius: 12px;
  background: rgba(15,163,163,0.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px;
  margin-bottom: 18px;
}

.card h3 { color: var(--navy); font-size: 19px; margin-bottom: 10px; }
.card p { color: var(--text-muted); font-size: 14.5px; margin-bottom: 16px; }
.card a.link { color: var(--teal-dark); font-weight: 600; font-size: 14px; }
.card a.link:hover { text-decoration: underline; }

/* ===== Why Choose Us ===== */
.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.feature-item { text-align: center; padding: 20px; }
.feature-item .icon-circle {
  width: 60px; height: 60px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--teal);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px;
}
.feature-item h4 { color: var(--navy); margin-bottom: 8px; font-size: 16px; }
.feature-item p { color: var(--text-muted); font-size: 14px; }

/* ===== How It Works ===== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}
.step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 24px;
  border: 1px solid var(--border);
  position: relative;
}
.step-number {
  width: 40px; height: 40px;
  background: var(--teal);
  color: var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  margin-bottom: 16px;
}
.step h4 { color: var(--navy); margin-bottom: 8px; }
.step p { color: var(--text-muted); font-size: 14.5px; }

/* ===== Testimonials ===== */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial {
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 26px;
  border: 1px solid var(--border);
}
.testimonial .stars { color: var(--gold); margin-bottom: 12px; font-size: 15px; }
.testimonial p.quote { font-size: 14.5px; color: var(--text-dark); margin-bottom: 16px; }
.testimonial .author { font-weight: 700; color: var(--navy); font-size: 14px; }
.testimonial .role { color: var(--text-muted); font-size: 12.5px; }

/* ===== CTA Banner ===== */
.cta-banner {
  background: linear-gradient(120deg, var(--teal-dark), var(--navy));
  color: var(--white);
  padding: 60px 0;
  text-align: center;
  border-radius: var(--radius);
}
.cta-banner h2 { font-size: 28px; margin-bottom: 12px; }
.cta-banner p { color: #D7E2ED; margin-bottom: 26px; }

/* ===== Page Hero (sub-pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  padding: 70px 0 60px;
}
.breadcrumb { font-size: 13px; color: #B7C6D6; margin-bottom: 14px; }
.breadcrumb a { color: var(--teal); }
.page-hero h1 { font-size: 36px; margin-bottom: 14px; font-weight: 800; }
.page-hero p { max-width: 620px; color: #D7E2ED; }

/* ===== Two Column ===== */
.two-col {
  display: flex;
  gap: 48px;
  align-items: flex-start;
  flex-wrap: wrap;
}
.two-col .col { flex: 1 1 320px; }

/* ===== Policy Type Cards ===== */
.policy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.policy-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 4px solid var(--teal);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.policy-card h3 { color: var(--navy); margin-bottom: 10px; }
.policy-card ul { margin: 14px 0; }
.policy-card ul li {
  font-size: 14px;
  color: var(--text-muted);
  padding-left: 20px;
  position: relative;
  margin-bottom: 8px;
}
.policy-card ul li::before {
  content: '✓';
  color: var(--teal-dark);
  position: absolute;
  left: 0;
  font-weight: 700;
}

/* ===== Coverage List ===== */
.coverage-list { display: grid; gap: 18px; }
.coverage-item {
  display: flex;
  gap: 18px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
}
.coverage-item .num {
  min-width: 40px; height: 40px;
  background: rgba(15,163,163,0.12);
  color: var(--teal-dark);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
}
.coverage-item h4 { color: var(--navy); margin-bottom: 6px; }
.coverage-item p { color: var(--text-muted); font-size: 14.5px; }

/* ===== FAQ Accordion ===== */
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-question {
  padding: 18px 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
}
.faq-question .arrow { transition: transform 0.25s; color: var(--teal-dark); }
.faq-item.open .faq-question .arrow { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  padding: 0 22px;
  color: var(--text-muted);
  font-size: 14.5px;
}
.faq-item.open .faq-answer { padding-bottom: 18px; }

/* ===== Quote Panel (sticky sidebar) ===== */
.quote-panel {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  position: sticky;
  top: 100px;
}
.quote-panel h3 { color: var(--navy); margin-bottom: 6px; }
.quote-panel p { color: var(--text-muted); font-size: 14px; margin-bottom: 18px; }
.quote-panel ul li {
  font-size: 14px;
  color: var(--text-dark);
  margin-bottom: 10px;
  padding-left: 22px;
  position: relative;
}
.quote-panel ul li::before {
  content: '★';
  color: var(--gold);
  position: absolute;
  left: 0;
}

/* ===== Footer ===== */
.site-footer {
  background: var(--navy);
  color: #C7D3DF;
  padding: 60px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-grid h4 { color: var(--white); margin-bottom: 16px; font-size: 15px; }
.footer-grid ul li { margin-bottom: 10px; font-size: 14px; }
.footer-grid ul li a:hover { color: var(--teal); }
.footer-about p { font-size: 14px; margin: 14px 0; color: #AEC0D2; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 13px;
  color: #8FA3B6;
}

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .grid, .features-grid, .steps, .testimonial-grid, .policy-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta .btn-outline-navy { display: none; }
  .nav-toggle { display: flex; }
  .nav-links.mobile-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: var(--navy);
    padding: 20px 24px;
    gap: 18px;
    box-shadow: var(--shadow);
  }
  .hero h1 { font-size: 32px; }
  .grid, .features-grid, .steps, .testimonial-grid, .policy-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .two-col { flex-direction: column; }
  .quote-panel { position: static; }
}