/* ═══════════════════════════════════════════════════════════
   INSURANCE SOLUTION QUOTES — Global Stylesheet
   Theme: Professional Navy + Gold
   Font: Inter
═══════════════════════════════════════════════════════════ */

/* ── Variables ──────────────────────────────────────────── */
:root {
  --primary:       #1a2c5e;
  --primary-light: #243d82;
  --primary-dark:  #0f1a3a;
  --gold:          #c9a84c;
  --gold-dark:     #a88a3a;
  --gold-light:    #e8c96a;
  --dark:          #111827;
  --gray:          #6b7280;
  --mid-gray:      #9ca3af;
  --light-gray:    #f3f4f6;
  --border:        #e5e7eb;
  --white:         #ffffff;
  --light:         #f8fafc;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', sans-serif;
  color: var(--dark);
  line-height: 1.7;
  background-color: var(--light);
  overflow-x: hidden;
  padding-top: 80px;
}

a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }
ul { list-style: none; }

.container {
  width: 90%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
}

section { padding: 100px 0; position: relative; }

h1, h2, h3, h4 { font-weight: 700; line-height: 1.2; }

/* ── Modal ──────────────────────────────────────────────── */
#front-modal {
  display: none;
  position: fixed;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background: rgba(0, 0, 0, 0.75);
  z-index: 9999;
  justify-content: center;
  align-items: center;
}

.modal-container {
  background: var(--primary);
  padding: 50px 40px;
  border-radius: 16px;
  text-align: center;
  max-width: 500px;
  width: 90%;
  color: white;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.4);
  border-top: 4px solid var(--gold);
}

.modal-title { font-size: 1.8rem; margin-bottom: 20px; }
.modal-message { color: rgba(255,255,255,0.85); margin-bottom: 16px; }
.modal-meta { font-size: 0.82rem; color: rgba(255,255,255,0.75); margin: 6px 0 14px; word-break: break-all; text-align: left; }
.modal-meta strong { color: var(--gold); }
.modal-meta a { color: rgba(255,255,255,0.75); text-decoration: underline; }
.modal-meta a:hover { color: var(--gold); }

#front-modal button {
  background: var(--gold);
  color: var(--primary);
  border: none;
  padding: 12px 32px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.3s ease;
}
#front-modal button:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
}

/* ── Buttons ────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  transition: all 0.3s ease;
  cursor: pointer;
  border: none;
  position: relative;
  z-index: 1;
}

.btn-primary {
  background: var(--gold);
  color: var(--primary);
  box-shadow: 0 4px 15px rgba(201, 168, 76, 0.35);
}
.btn-primary:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201, 168, 76, 0.45);
}

.btn-navy {
  background: var(--primary);
  color: white;
  box-shadow: 0 4px 15px rgba(26, 44, 94, 0.25);
}
.btn-navy:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(26, 44, 94, 0.35);
}

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

.btn-submit {
  width: 100%;
  padding: 16px;
  background: var(--gold);
  color: var(--primary);
  border: none;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 15px rgba(201, 168, 76, 0.3);
}
.btn-submit:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201, 168, 76, 0.45);
}

/* Header CTA */
.btn-quote {
  background: var(--gold);
  color: var(--primary);
  padding: 10px 22px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  transition: all 0.3s ease;
  white-space: nowrap;
}
.btn-quote:hover {
  background: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(201, 168, 76, 0.4);
}

/* ── Header ─────────────────────────────────────────────── */
header {
  position: fixed;
  width: 100%;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 3px solid var(--gold);
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.06);
  height: 80px;
  transition: box-shadow 0.3s ease;
  overflow: visible;
}
header.scrolled {
  box-shadow: 0 4px 30px rgba(0, 0, 0, 0.12);
}

.header-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 100%;
}

/* ── Logo ───────────────────────────────────────────────── */
.logo-link {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.logo-svg {
  height: 52px;
  width: auto;
  transition: transform 0.3s ease;
}
.logo-link:hover .logo-svg { transform: scale(1.03); }

/* ── Navigation ─────────────────────────────────────────── */
nav {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-link {
  position: relative;
  font-weight: 500;
  color: var(--primary);
  padding: 6px 0;
  font-size: 0.95rem;
  transition: color 0.3s ease;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width 0.3s ease;
}
.nav-link:hover, .nav-link.active { color: var(--primary-dark); }
.nav-link:hover::after, .nav-link.active::after { width: 100%; }

/* Dropdown */
.dropdown { position: relative; }
.dropbtn {
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}
.dropbtn i { font-size: 0.75rem; transition: transform 0.3s ease; }
.dropdown:hover .dropbtn i { transform: rotate(180deg); }

.dropdown-content {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: white;
  min-width: 230px;
  border-radius: 10px;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.12);
  border-top: 3px solid var(--gold);
  z-index: 10;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  padding: 8px 0;
}
.dropdown:hover .dropdown-content {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-content a {
  display: block;
  padding: 12px 20px;
  color: var(--dark);
  font-size: 0.9rem;
  font-weight: 500;
  transition: all 0.2s ease;
  border-left: 3px solid transparent;
}
.dropdown-content a:hover {
  background: var(--light-gray);
  color: var(--primary);
  border-left-color: var(--gold);
  padding-left: 24px;
}

/* ── Mobile Menu Toggle ─────────────────────────────────── */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--primary);
  font-size: 1.4rem;
  z-index: 1001;
  padding: 4px;
}

/* ── Mobile Menu ────────────────────────────────────────── */
.mobile-menu {
  position: fixed;
  top: 0;
  right: -100%;
  width: 80%;
  max-width: 380px;
  height: 100vh;
  background: white;
  box-shadow: -6px 0 30px rgba(0, 0, 0, 0.12);
  z-index: 1002;
  transition: right 0.4s ease;
  padding: 90px 30px 30px;
  overflow-y: auto;
  border-left: 4px solid var(--gold);
}
.mobile-menu.active { right: 0; }

.mobile-menu .nav-link {
  color: var(--primary);
  padding: 14px 0;
  display: block;
  border-bottom: 1px solid var(--border);
  font-size: 1rem;
}
.mobile-menu .dropdown-content {
  position: static;
  box-shadow: none;
  border-top: none;
  border-radius: 0;
  padding: 0;
  margin: 8px 0 0 16px;
  opacity: 1;
  visibility: visible;
  transform: none;
  display: none;
}
.mobile-menu .dropdown.active .dropdown-content { display: block; }
.mobile-menu .dropdown-content a {
  padding: 10px 0;
  border-left: none;
  font-size: 0.9rem;
}
.mobile-menu .dropdown-content a:hover { padding-left: 8px; }

.menu-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 1001;
  opacity: 0;
  visibility: hidden;
  transition: all 0.4s ease;
}
.menu-overlay.active { opacity: 1; visibility: visible; }

/* ── Hero ───────────────────────────────────────────────── */
.hero {
  height: 100vh;
  min-height: 700px;
  display: flex;
  align-items: center;
  background:
    linear-gradient(rgba(14, 22, 53, 0.80), rgba(14, 22, 53, 0.80)),
    url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1470&q=80')
    no-repeat center center / cover;
  color: white;
  margin-top: -80px;
  padding-top: 80px;
}

.hero-content {
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
}

.hero-eyebrow {
  display: inline-block;
  background: var(--gold);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 4px;
  margin-bottom: 24px;
}

.hero h1 {
  font-size: 3.6rem;
  line-height: 1.15;
  margin-bottom: 22px;
}

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

.hero p {
  font-size: 1.15rem;
  opacity: 0.88;
  margin-bottom: 40px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.hero-btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── Stats Strip ────────────────────────────────────────── */
.stats-strip {
  background: var(--primary);
  padding: 28px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}

.stat-item {
  border-right: 1px solid rgba(255,255,255,0.15);
  padding: 0 20px;
}
.stat-item:last-child { border-right: none; }

.stat-number {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  color: rgba(255,255,255,0.75);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* ── Section Headers ────────────────────────────────────── */
.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-header .eyebrow {
  display: inline-block;
  color: var(--gold);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-header h2 {
  font-size: 2.6rem;
  color: var(--primary);
  margin-bottom: 16px;
}
.section-header p {
  color: var(--gray);
  font-size: 1.05rem;
  max-width: 660px;
  margin: 0 auto;
}

/* ── Services ───────────────────────────────────────────── */
.services { background: var(--light); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 28px;
}

.service-card {
  background: white;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.35s ease;
  border-top: 4px solid var(--primary);
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.13);
  border-top-color: var(--gold);
}

.service-img {
  height: 220px;
  overflow: hidden;
}
.service-img a { display: block; height: 100%; }
.service-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.7s ease;
}
.service-card:hover .service-img img { transform: scale(1.06); }

.service-content { padding: 28px; }
.service-content h3 {
  font-size: 1.3rem;
  color: var(--primary);
  margin-bottom: 12px;
}
.service-content p {
  color: var(--gray);
  font-size: 0.95rem;
  margin-bottom: 20px;
  line-height: 1.65;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  transition: all 0.3s ease;
}
.service-link:hover { color: var(--primary); gap: 12px; }

/* ── Quote Form Section ─────────────────────────────────── */
.quote-section {
  background: white;
}

.quote-container {
  display: flex;
  align-items: flex-start;
  gap: 60px;
}

.quote-content {
  flex: 1;
}
.quote-content h2 {
  font-size: 2.4rem;
  color: var(--primary);
  margin-bottom: 16px;
}
.quote-content > p {
  color: var(--gray);
  font-size: 1.05rem;
  margin-bottom: 30px;
  line-height: 1.7;
}

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 36px;
}
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.feature-icon-wrap {
  width: 38px;
  height: 38px;
  background: var(--primary);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.feature-icon-wrap i { color: var(--gold); font-size: 0.95rem; }
.feature-item-text strong {
  display: block;
  color: var(--primary);
  font-size: 0.95rem;
  margin-bottom: 2px;
}
.feature-item-text span {
  color: var(--gray);
  font-size: 0.88rem;
}

.quote-images {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 30px;
  max-height: 260px;
}
.q-img {
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}
.q-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.q-img:hover img { transform: scale(1.05); }

/* Form Card */
.quote-form-card {
  flex: 0 0 460px;
  background: white;
  border-radius: 16px;
  box-shadow: 0 16px 48px rgba(26, 44, 94, 0.12);
  overflow: hidden;
  border: 1px solid var(--border);
}
.form-card-header {
  background: var(--primary);
  padding: 24px 32px;
}
.form-card-header h3 {
  color: white;
  font-size: 1.3rem;
  margin-bottom: 4px;
}
.form-card-header p {
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
}
.form-card-body { padding: 32px; }

/* ── Form Elements ──────────────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  margin-bottom: 7px;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--dark);
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: 7px;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--dark);
  background: var(--light-gray);
  transition: all 0.3s ease;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary);
  background: white;
  box-shadow: 0 0 0 3px rgba(26, 44, 94, 0.1);
}
.form-row {
  display: flex;
  gap: 16px;
}
.form-row .form-group { flex: 1; }

.tcpa-wrapper {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 22px;
  font-size: 11px;
  color: var(--gray);
  line-height: 1.55;
}
.tcpa-wrapper input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; }
.tcpa-wrapper a {
  color: var(--primary);
  text-decoration: underline;
}
.tcpa-wrapper a:hover { color: var(--gold-dark); }

.validation-error {
  border-color: #dc2626 !important;
  background: #fef2f2 !important;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.1) !important;
}

/* ── Process ────────────────────────────────────────────── */
.process { background: var(--light-gray); }

.process-steps {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-top: 60px;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 38px;
  left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--gold));
  z-index: 1;
}

.process-step {
  position: relative;
  z-index: 2;
  text-align: center;
  width: 22%;
}

.step-number {
  width: 76px;
  height: 76px;
  background: white;
  border: 3px solid var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  margin: 0 auto 20px;
  transition: all 0.3s ease;
}
.process-step:hover .step-number {
  background: var(--primary);
  color: white;
  border-color: var(--primary);
  transform: scale(1.1);
  box-shadow: 0 8px 24px rgba(26, 44, 94, 0.25);
}

.step-content h4 {
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 10px;
}
.step-content p {
  color: var(--gray);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ── About Section ──────────────────────────────────────── */
.about { background: white; }

.about-container {
  display: flex;
  align-items: center;
  gap: 70px;
}

.about-images {
  flex: 1;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  grid-template-rows: repeat(2, 1fr);
  gap: 16px;
  min-height: 480px;
}
.about-img {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
  transition: all 0.4s ease;
  position: relative;
}
.about-img:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.15); }
.about-img img { width: 100%; height: 100%; object-fit: cover; }
.about-img:nth-child(1) { grid-column: 1/2; grid-row: 1/3; }
.about-img:nth-child(2) { grid-column: 2/3; grid-row: 1/2; }
.about-img:nth-child(3) { grid-column: 2/3; grid-row: 2/3; }

.about-content { flex: 1; }
.about-content .eyebrow {
  display: inline-block;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.about-content h2 {
  font-size: 2.4rem;
  color: var(--primary);
  margin-bottom: 20px;
}
.about-content p {
  color: var(--gray);
  font-size: 1rem;
  margin-bottom: 18px;
  line-height: 1.75;
}
.about-features {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.about-features li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.95rem;
}
.about-features li i {
  color: var(--gold);
  font-size: 1rem;
  margin-top: 3px;
  flex-shrink: 0;
}

/* ── FAQ ────────────────────────────────────────────────── */
.faq { background: var(--light); }

.faq-container { max-width: 820px; margin: 0 auto; }

.faq-item {
  margin-bottom: 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  background: white;
  transition: all 0.3s ease;
}
.faq-item:hover { box-shadow: 0 6px 20px rgba(0,0,0,0.07); }

.faq-question {
  padding: 22px 24px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  font-size: 1rem;
  color: var(--primary);
  transition: background 0.3s ease;
}
.faq-question:hover { background: var(--light-gray); }
.faq-question i { color: var(--gold); transition: transform 0.3s ease; }

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease;
  color: var(--gray);
  line-height: 1.7;
  font-size: 0.95rem;
}

.faq-item.active .faq-question { background: var(--light-gray); }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-item.active .faq-answer { max-height: 500px; padding: 0 24px 24px; }

/* ── Note / Disclaimer ──────────────────────────────────── */
.note-section {
  background: #f0f4ff;
  border-top: 3px solid var(--primary);
  border-bottom: 3px solid var(--primary);
  padding: 40px 0;
}

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

.note-inner h3 {
  color: var(--primary);
  font-size: 1.1rem;
  margin-bottom: 16px;
  text-align: center;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.note-inner p {
  font-size: 11px;
  color: #4b5563;
  line-height: 1.65;
  text-align: center;
  margin-bottom: 12px;
}

.note-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.note-footer span { font-size: 0.85rem; color: var(--gray); }
.note-footer a { color: var(--primary); font-weight: 600; }

/* ── Footer ─────────────────────────────────────────────── */
footer {
  background: var(--primary);
  color: white;
  padding: 80px 0 40px;
  position: relative;
}
footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: var(--gold);
}

.footer-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 48px;
  margin-bottom: 56px;
}

.footer-col h3 {
  font-size: 1.1rem;
  margin-bottom: 24px;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  position: relative;
  padding-bottom: 12px;
}
.footer-col h3::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 36px; height: 2px;
  background: var(--gold);
}

.footer-about p {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  line-height: 1.75;
}

.footer-links li { margin-bottom: 10px; }
.footer-links a {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: all 0.3s ease;
}
.footer-links a i { font-size: 0.7rem; color: var(--gold); }
.footer-links a:hover { color: white; padding-left: 4px; }

.footer-contact p {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  margin-bottom: 14px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.footer-contact i { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.footer-contact a { color: rgba(255,255,255,0.9); text-decoration: underline; }
.footer-contact a:hover { color: white; }

.footer-bottom {
  text-align: center;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
}

/* ── Scroll to Top ──────────────────────────────────────── */
.scroll-to-top {
  position: fixed;
  bottom: 30px; right: 30px;
  width: 48px; height: 48px;
  background: var(--primary);
  border: 2px solid var(--gold);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  z-index: 998;
}
.scroll-to-top.active { opacity: 1; visibility: visible; }
.scroll-to-top:hover {
  background: var(--gold);
  color: var(--primary);
  transform: translateY(-4px);
}

/* ═══════════════════════════════════════════════════════════
   INSURANCE CAMPAIGN PAGES (aca, medicare, final-expense)
═══════════════════════════════════════════════════════════ */
.insurance-hero {
  height: 50vh;
  min-height: 360px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  color: white;
  padding-top: 80px;
  margin-top: -80px;
  position: relative;
}
.insurance-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%; height: 5px;
  background: var(--gold);
}
.insurance-hero h1 {
  font-size: 2.8rem;
  margin-bottom: 16px;
  text-shadow: 0 2px 12px rgba(0,0,0,0.4);
}
.insurance-hero p {
  font-size: 1.1rem;
  opacity: 0.9;
  max-width: 720px;
  margin: 0 auto;
  text-shadow: 0 1px 4px rgba(0,0,0,0.3);
}

/* Form + Images layout (campaign pages) */
.form-section {
  display: flex;
  gap: 48px;
  margin-bottom: 60px;
  align-items: flex-start;
}

.form-container {
  flex: 1;
  background: white;
  border-radius: 14px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.08);
  overflow: hidden;
  border: 1px solid var(--border);
}
.form-container-header {
  background: var(--primary);
  padding: 22px 32px;
  border-bottom: 4px solid var(--gold);
}
.form-container-header h2 {
  color: white;
  font-size: 1.4rem;
  margin-bottom: 4px;
}
.form-container-header p {
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
}
.form-container-body { padding: 32px; }

.images-grid {
  flex: 1;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  grid-template-rows: repeat(2, 1fr);
  gap: 16px;
  min-height: 520px;
}
.image-card {
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 6px 20px rgba(0,0,0,0.1);
  transition: transform 0.3s ease;
  border-top: 3px solid var(--primary);
}
.image-card:hover {
  transform: translateY(-4px);
  border-top-color: var(--gold);
}
.image-card img { width: 100%; height: 100%; object-fit: cover; }
.image-card:nth-child(1) { grid-column: 1/2; grid-row: 1/3; }
.image-card:nth-child(2) { grid-column: 2/3; grid-row: 1/2; }
.image-card:nth-child(3) { grid-column: 2/3; grid-row: 2/3; }

/* Info benefit cards */
.info-section {
  padding: 80px 0;
  background: var(--primary);
}
.info-section h2 {
  font-size: 2.4rem;
  color: white;
  text-align: center;
  margin-bottom: 12px;
}
.info-section .info-subtitle {
  text-align: center;
  color: rgba(255,255,255,0.75);
  margin-bottom: 48px;
  font-size: 1rem;
}
.info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.info-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(201,168,76,0.35);
  border-top: 4px solid var(--gold);
  border-radius: 12px;
  padding: 32px;
  transition: all 0.3s ease;
}
.info-card:hover {
  background: rgba(255,255,255,0.13);
  transform: translateY(-4px);
}
.info-card-icon {
  width: 52px; height: 52px;
  background: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.info-card-icon i { color: var(--primary); font-size: 1.3rem; }
.info-card h3 { color: var(--gold-light); font-size: 1.2rem; margin-bottom: 12px; }
.info-card p { color: rgba(255,255,255,0.8); font-size: 0.92rem; line-height: 1.7; }

/* ═══════════════════════════════════════════════════════════
   ABOUT, PRIVACY, TERMS PAGES
═══════════════════════════════════════════════════════════ */
.page-hero {
  background: linear-gradient(rgba(14,22,53,0.88), rgba(14,22,53,0.88)),
    url('https://images.unsplash.com/photo-1551288049-bebda4e38f71?auto=format&fit=crop&w=1470&q=80')
    no-repeat center center / cover;
  color: white;
  padding: 140px 0 90px;
  margin-top: -80px;
  text-align: center;
  position: relative;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%; height: 4px;
  background: var(--gold);
}
.page-hero h1 { font-size: 3rem; margin-bottom: 16px; }
.page-hero p { font-size: 1.1rem; opacity: 0.85; max-width: 680px; margin: 0 auto; }

/* Legal pages */
.legal-content {
  max-width: 900px;
  margin: 0 auto;
  padding: 80px 20px;
}
.legal-content h2 {
  color: var(--primary);
  font-size: 1.6rem;
  margin: 40px 0 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
}
.legal-content p {
  color: var(--gray);
  margin-bottom: 16px;
  line-height: 1.8;
}
.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  color: var(--gray);
  margin-bottom: 16px;
}
.legal-content ul li { margin-bottom: 8px; line-height: 1.7; }
.legal-content a { color: var(--primary); text-decoration: underline; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════ */
@media (max-width: 1100px) {
  .quote-form-card { flex: 0 0 420px; }
}

@media (max-width: 992px) {
  nav { display: none; }
  .menu-toggle { display: block; }

  .hero h1 { font-size: 2.8rem; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }

  .quote-container { flex-direction: column; }
  .quote-form-card { flex: none; width: 100%; max-width: 560px; }

  .about-container { flex-direction: column; }
  .about-images { min-height: 400px; }

  .process-steps { flex-wrap: wrap; gap: 32px; }
  .process-steps::before { display: none; }
  .process-step { width: 45%; }

  .form-section { flex-direction: column; }
  .images-grid { min-height: 400px; }
}

@media (max-width: 768px) {
  section { padding: 70px 0; }

  .hero h1 { font-size: 2.2rem; }
  .hero p { font-size: 1rem; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; text-align: center; }

  .section-header h2 { font-size: 2rem; }

  .services-grid { grid-template-columns: 1fr; }

  .process-step { width: 100%; }

  .images-grid {
    grid-template-columns: 1fr;
    min-height: auto;
    height: auto;
  }
  .image-card:nth-child(1),
  .image-card:nth-child(2),
  .image-card:nth-child(3) {
    grid-column: 1/2;
    grid-row: auto;
    height: 240px;
  }

  .form-row { flex-direction: column; gap: 0; }

  .insurance-hero h1 { font-size: 2rem; }
  .insurance-hero p { font-size: 1rem; }

  .page-hero h1 { font-size: 2.2rem; }
}

@media (max-width: 576px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.15); padding-bottom: 16px; }
  .stat-item:nth-last-child(-n+2) { border-bottom: none; }

  .note-footer { flex-direction: column; gap: 8px; text-align: center; }
}