/* ============================================================
   VINAYAK MARKETING SOLUTION — Main Stylesheet
   Aesthetic: Refined Luxury | Deep Navy × Warm Gold
   ============================================================ */

:root {
  --navy:      #0b1f3a;
  --navy-mid:  #122952;
  --navy-light:#1a3a6b;
  --gold:      #c9933a;
  --gold-light:#e8b96a;
  --gold-pale: #f5e6cc;
  --cream:     #faf7f2;
  --white:     #ffffff;
  --text:      #1c2b40;
  --text-soft: #5a6e84;
  --border:    #d8e0eb;
  --shadow:    0 8px 40px rgba(11,31,58,0.12);
  --shadow-lg: 0 20px 60px rgba(11,31,58,0.18);
  --radius:    12px;
  --radius-lg: 20px;
  --font-display: 'Playfair Display', serif;
  --font-body:    'DM Sans', sans-serif;
  --transition:   0.3s cubic-bezier(0.4,0,0.2,1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--cream);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
}

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

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── TYPOGRAPHY ────────────────────────────────── */
h1,h2,h3,h4 { font-family: var(--font-display); line-height: 1.2; }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 700; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 600; }
h3 { font-size: 1.4rem; font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p  { font-size: 1rem; }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201,147,58,0.1);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-title { margin-bottom: 16px; }
.section-intro { color: var(--text-soft); max-width: 560px; }

/* ── HEADER / NAV ──────────────────────────────── */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(11,31,58,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,147,58,0.2);
  transition: var(--transition);
}

.nav-container {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-display);
  font-size: 1.35rem; font-weight: 700;
  color: var(--white);
}
.logo-icon { color: var(--gold); font-size: 1.6rem; }
.logo-text em { font-style: normal; color: var(--gold); display: block; font-size: 0.65rem; letter-spacing: 0.1em; text-transform: uppercase; font-family: var(--font-body); font-weight: 500; }

.main-nav { display: flex; align-items: center; gap: 6px; }
.main-nav a {
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem; font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: var(--transition);
}
.main-nav a:hover, .main-nav a.active { color: var(--white); background: rgba(201,147,58,0.15); }
.main-nav a.active { color: var(--gold); }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 600 !important;
  padding: 10px 22px !important;
  border-radius: 100px !important;
  margin-left: 10px;
}
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }

.hamburger {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 8px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ── BUTTONS ───────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem; font-weight: 600;
  padding: 14px 32px;
  border-radius: 100px;
  border: 2px solid transparent;
  cursor: pointer; transition: var(--transition);
  white-space: nowrap;
}
.btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,147,58,0.35); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.4); }
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-dark { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-dark:hover { background: var(--navy-mid); transform: translateY(-2px); }

/* ── HERO (HOME) ───────────────────────────────── */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0d2b52 100%);
  display: flex; align-items: center;
  padding-top: 72px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c9933a' fill-opacity='0.04'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-deco {
  position: absolute; right: -100px; top: 50%; transform: translateY(-50%);
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(201,147,58,0.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
  padding: 80px 0;
}

.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,147,58,0.15);
  border: 1px solid rgba(201,147,58,0.3);
  color: var(--gold-light);
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 8px 16px; border-radius: 100px;
  margin-bottom: 24px;
}
.hero-tag::before { content: '◆'; font-size: 0.5rem; }

.hero-title { color: var(--white); margin-bottom: 24px; }
.hero-title span { color: var(--gold); display: block; }

.hero-subtitle { color: rgba(255,255,255,0.7); font-size: 1.1rem; margin-bottom: 40px; max-width: 500px; }

.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 56px; }

.hero-stats { display: flex; gap: 40px; padding-top: 40px; border-top: 1px solid rgba(255,255,255,0.1); }
.stat-item { text-align: left; }
.stat-num { font-family: var(--font-display); font-size: 2rem; font-weight: 700; color: var(--gold); display: block; }
.stat-label { color: rgba(255,255,255,0.6); font-size: 0.85rem; }

/* Hero visual card */
.hero-visual { display: flex; flex-direction: column; gap: 16px; }
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,147,58,0.2);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(8px);
  transition: var(--transition);
}
.hero-card:hover { background: rgba(255,255,255,0.09); transform: translateX(-4px); }
.hero-card-icon { font-size: 2rem; margin-bottom: 12px; }
.hero-card h3 { color: var(--white); margin-bottom: 8px; font-size: 1.1rem; }
.hero-card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.hero-card-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ── SECTION PADDING ───────────────────────────── */
.section { padding: 100px 0; }
.section-sm { padding: 60px 0; }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark .section-intro { color: rgba(255,255,255,0.65); }
.section-gold { background: linear-gradient(135deg, var(--gold-pale) 0%, #f0e6d3 100%); }

/* ── TRUST BAR ─────────────────────────────────── */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap;
}
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 0.85rem; font-weight: 500; color: var(--text-soft); }
.trust-item span:first-child { font-size: 1.2rem; }
.trust-item strong { color: var(--navy); }

/* ── SERVICES GRID ─────────────────────────────── */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 28px; margin-top: 60px; }

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: left;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); border-color: var(--gold-pale); }
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 24px;
}
.service-card h3 { margin-bottom: 12px; }
.service-card p { color: var(--text-soft); font-size: 0.95rem; margin-bottom: 24px; }
.service-link { color: var(--gold); font-weight: 600; font-size: 0.9rem; display: flex; align-items: center; gap: 6px; transition: var(--transition); }
.service-link:hover { gap: 10px; }

/* ── WHY CHOOSE US ─────────────────────────────── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; margin-top: 60px; }
.why-visual { position: relative; }
.why-img-bg {
  background: linear-gradient(135deg, var(--navy-light), var(--navy));
  border-radius: var(--radius-lg);
  aspect-ratio: 4/5;
  display: flex; align-items: center; justify-content: center;
  font-size: 8rem;
  position: relative;
  overflow: hidden;
}
.why-img-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c9933a' fill-opacity='0.06'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.why-badge {
  position: absolute; bottom: -20px; right: -20px;
  background: var(--gold);
  color: var(--navy);
  border-radius: var(--radius);
  padding: 20px 24px;
  font-family: var(--font-display);
  font-weight: 700;
  text-align: center;
  box-shadow: var(--shadow);
}
.why-badge .big { font-size: 2rem; display: block; }

.why-points { display: flex; flex-direction: column; gap: 24px; margin-top: 40px; }
.why-point { display: flex; gap: 16px; align-items: flex-start; }
.why-dot {
  width: 44px; height: 44px; min-width: 44px;
  border-radius: 12px;
  background: rgba(201,147,58,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.why-point h4 { margin-bottom: 4px; }
.why-point p { color: var(--text-soft); font-size: 0.9rem; }

/* ── QUOTE FORM ────────────────────────────────── */
.quote-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0;
}
.quote-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.quote-text h2 { color: var(--white); margin-bottom: 16px; }
.quote-text p { color: rgba(255,255,255,0.7); margin-bottom: 32px; }
.quote-perks { display: flex; flex-direction: column; gap: 12px; }
.quote-perk { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.quote-perk::before { content: '✓'; background: var(--gold); color: var(--navy); width: 22px; height: 22px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.75rem; font-weight: 700; flex-shrink: 0; }

.quote-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}
.quote-form h3 { margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--text); }
.form-group input,
.form-group select,
.form-group textarea {
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--cream);
  transition: var(--transition);
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(201,147,58,0.15);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-submit { width: 100%; font-size: 1rem; padding: 16px; border: none; }

/* ── TESTIMONIALS ──────────────────────────────── */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; margin-top: 60px; }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial-card blockquote { color: var(--text-soft); font-size: 0.95rem; line-height: 1.7; margin-bottom: 24px; }
.reviewer { display: flex; align-items: center; gap: 14px; }
.reviewer-avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--gold));
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-weight: 700; font-size: 1rem;
}
.reviewer-name { font-weight: 600; font-size: 0.9rem; }
.reviewer-meta { color: var(--text-soft); font-size: 0.8rem; }

/* ── CTA BANNER ────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--gold), #b8832c);
  padding: 80px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--navy); margin-bottom: 16px; }
.cta-banner p { color: rgba(11,31,58,0.75); max-width: 560px; margin: 0 auto 36px; font-size: 1.05rem; }

/* ── INSURANCE PAGE ────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 160px 0 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 60% 50%, rgba(201,147,58,0.12), transparent 60%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.7); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }

.insurance-detail { padding: 80px 0; }
.insurance-detail:nth-child(even) { background: var(--white); }
.insurance-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.insurance-layout.reverse { direction: rtl; }
.insurance-layout.reverse > * { direction: ltr; }

.ins-visual {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-lg);
  aspect-ratio: 1;
  display: flex; align-items: center; justify-content: center;
  font-size: 6rem;
}
.ins-badge { display: flex; align-items: center; gap: 8px; margin-bottom: 24px; }
.ins-badge span { background: var(--gold-pale); color: var(--gold); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 6px 14px; border-radius: 100px; }
.ins-content h2 { margin-bottom: 16px; }
.ins-content p { color: var(--text-soft); margin-bottom: 28px; }

.ins-features { display: flex; flex-direction: column; gap: 12px; margin-bottom: 32px; }
.ins-feature {
  display: flex; align-items: center; gap: 12px;
  background: var(--cream);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.9rem; font-weight: 500;
}
.ins-feature::before { content: '✓'; color: var(--gold); font-weight: 700; font-size: 1rem; }

/* ── PRICING PAGE ──────────────────────────────── */
.pricing-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; margin-top: 60px; }
.pricing-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  transition: var(--transition);
  position: relative;
}
.pricing-card.featured {
  background: var(--navy);
  border-color: var(--gold);
  color: var(--white);
  transform: scale(1.04);
  box-shadow: var(--shadow-lg);
}
.pricing-card:hover:not(.featured) { border-color: var(--gold); box-shadow: var(--shadow); transform: translateY(-4px); }
.pricing-badge {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--gold); color: var(--navy);
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  padding: 6px 20px; border-radius: 100px;
}
.pricing-icon { font-size: 2.5rem; margin-bottom: 16px; }
.pricing-card h3 { margin-bottom: 8px; }
.pricing-card .tagline { color: var(--text-soft); font-size: 0.9rem; margin-bottom: 28px; }
.pricing-card.featured .tagline { color: rgba(255,255,255,0.65); }
.price-area { margin-bottom: 32px; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
.pricing-card.featured .price-area { border-bottom-color: rgba(255,255,255,0.15); }
.price-note { font-size: 0.8rem; color: var(--text-soft); margin-top: 4px; }
.pricing-card.featured .price-note { color: rgba(255,255,255,0.55); }
.price { font-family: var(--font-display); font-size: 2.4rem; font-weight: 700; color: var(--gold); }
.price sup { font-size: 1.2rem; }
.pricing-features { display: flex; flex-direction: column; gap: 10px; margin-bottom: 32px; }
.pricing-feature { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; }
.pricing-feature::before { content: '✓'; color: var(--gold); font-weight: 700; }
.pricing-feature.no::before { content: '✗'; color: #ccc; }
.pricing-feature.no { color: var(--text-soft); opacity: 0.6; }
.pricing-card.featured .pricing-feature { color: rgba(255,255,255,0.85); }

/* ── ABOUT PAGE ────────────────────────────────── */
.about-story { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.about-text h2 { margin-bottom: 20px; }
.about-text p { color: var(--text-soft); margin-bottom: 20px; }
.about-values { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 40px; }
.value-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 24px;
  border-left: 3px solid var(--gold);
}
.value-card h4 { margin-bottom: 8px; }
.value-card p { font-size: 0.9rem; color: var(--text-soft); }

.timeline { margin-top: 60px; position: relative; }
.timeline::before { content: ''; position: absolute; left: 50%; top: 0; bottom: 0; width: 2px; background: var(--border); }
.timeline-item {
  display: grid; grid-template-columns: 1fr 60px 1fr; gap: 20px;
  margin-bottom: 40px; align-items: start;
}
.timeline-item:nth-child(odd) .tl-content { grid-column: 1; text-align: right; }
.timeline-item:nth-child(odd) .tl-year { grid-column: 2; }
.timeline-item:nth-child(odd) .tl-empty { grid-column: 3; }
.timeline-item:nth-child(even) .tl-empty { grid-column: 1; }
.timeline-item:nth-child(even) .tl-year { grid-column: 2; }
.timeline-item:nth-child(even) .tl-content { grid-column: 3; }
.tl-year {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 0.85rem;
  text-align: center; z-index: 1;
  box-shadow: 0 0 0 6px var(--cream);
}
.tl-content {
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px 24px;
  border: 1px solid var(--border);
}
.tl-content h4 { margin-bottom: 6px; }
.tl-content p { font-size: 0.88rem; color: var(--text-soft); }

.team-section { margin-top: 100px; }
.director-card {
  display: grid; grid-template-columns: 340px 1fr; gap: 60px; align-items: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.director-photo {
  background: linear-gradient(160deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 8rem; min-height: 320px;
}
.director-info { padding: 40px 40px 40px 0; }
.director-info h3 { font-size: 1.8rem; margin-bottom: 6px; }
.director-role { color: var(--gold); font-weight: 600; margin-bottom: 20px; }
.director-info p { color: var(--text-soft); margin-bottom: 14px; font-size: 0.95rem; }

/* ── FAQ PAGE ──────────────────────────────────── */
.faq-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 60px; margin-top: 60px; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--gold); box-shadow: var(--shadow); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 22px 24px;
  cursor: pointer; font-weight: 600; font-size: 0.98rem;
  gap: 16px;
}
.faq-icon {
  width: 32px; height: 32px; min-width: 32px;
  background: var(--cream); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; transition: var(--transition);
  color: var(--gold);
}
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-a {
  padding: 0 24px;
  color: var(--text-soft); font-size: 0.95rem; line-height: 1.7;
  max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.3s;
}
.faq-item.open .faq-a { max-height: 300px; padding-bottom: 22px; }

.faq-sidebar { display: flex; flex-direction: column; gap: 24px; }
.faq-contact-card {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--white);
}
.faq-contact-card h3 { margin-bottom: 12px; }
.faq-contact-card p { color: rgba(255,255,255,0.7); margin-bottom: 24px; font-size: 0.9rem; }
.faq-contact-item { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; margin-bottom: 12px; }

/* ── CONTACT PAGE ──────────────────────────────── */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; margin-top: 60px; }
.contact-info h2 { margin-bottom: 20px; }
.contact-info p { color: var(--text-soft); margin-bottom: 36px; }
.contact-cards { display: flex; flex-direction: column; gap: 16px; }
.contact-card {
  display: flex; gap: 20px; align-items: flex-start;
  background: var(--white); border-radius: var(--radius);
  padding: 20px 24px; border: 1px solid var(--border);
  transition: var(--transition);
}
.contact-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.contact-card-icon {
  width: 48px; height: 48px; min-width: 48px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center; font-size: 1.3rem;
}
.contact-card h4 { margin-bottom: 4px; }
.contact-card p, .contact-card a { color: var(--text-soft); font-size: 0.9rem; }
.contact-card a:hover { color: var(--gold); }

.contact-form-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.contact-form-box h3 { margin-bottom: 8px; }
.contact-form-box .sub { color: var(--text-soft); font-size: 0.9rem; margin-bottom: 32px; }

.alert {
  padding: 14px 20px; border-radius: 10px; margin-bottom: 20px; font-size: 0.9rem; font-weight: 500;
}
.alert-success { background: #d4edda; color: #155724; border: 1px solid #c3e6cb; }
.alert-error { background: #f8d7da; color: #721c24; border: 1px solid #f5c6cb; }

/* ── MAP PLACEHOLDER ───────────────────────────── */
.map-section { padding: 0 0 100px; }
.map-box {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-lg);
  height: 300px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px;
  color: var(--white); text-align: center;
  overflow: hidden;
  position: relative;
}
.map-box::before {
  content: '📍';
  font-size: 4rem;
}
.map-box h4 { font-size: 1.2rem; }
.map-box p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.map-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 24px; }
.map-details { display: flex; flex-direction: column; gap: 16px; }
.map-detail-item {
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px;
  border: 1px solid var(--border);
  display: flex; gap: 16px; align-items: flex-start;
}
.map-detail-item .ico { font-size: 1.5rem; }
.map-detail-item h5 { margin-bottom: 4px; font-size: 0.9rem; }
.map-detail-item p { font-size: 0.85rem; color: var(--text-soft); }

/* ── FOOTER ────────────────────────────────────── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding: 80px 0 0;
}
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1.5fr; gap: 48px; padding-bottom: 60px; }
.footer-brand .logo { margin-bottom: 20px; }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; max-width: 280px; color: rgba(255,255,255,0.6); }
.footer-social { display: flex; gap: 10px; margin-top: 24px; }
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; font-weight: 600;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.footer-col h4 { color: var(--white); margin-bottom: 20px; font-size: 1rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.6); font-size: 0.9rem; transition: var(--transition); }
.footer-col ul li a:hover { color: var(--gold); padding-left: 4px; }

.footer-contact h4 { color: var(--white); margin-bottom: 20px; }
.footer-contact p { font-size: 0.88rem; color: rgba(255,255,255,0.6); margin-bottom: 10px; line-height: 1.6; }
.footer-contact a { color: rgba(255,255,255,0.7); transition: var(--transition); }
.footer-contact a:hover { color: var(--gold); }
.hours { color: rgba(201,147,58,0.8) !important; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
}
.footer-bottom p { font-size: 0.85rem; color: rgba(255,255,255,0.4); text-align: center; }

/* ── ANIMATIONS ────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.7s ease both; }
.fade-up-1 { animation-delay: 0.1s; }
.fade-up-2 { animation-delay: 0.25s; }
.fade-up-3 { animation-delay: 0.4s; }
.fade-up-4 { animation-delay: 0.55s; }

/* ── MOBILE RESPONSIVE ─────────────────────────── */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: grid; grid-template-columns: 1fr 1fr; }
  .hero-card-row { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .why-img-bg { display: none; }
  .quote-inner { grid-template-columns: 1fr; gap: 40px; }
  .insurance-layout { grid-template-columns: 1fr; gap: 40px; }
  .insurance-layout.reverse { direction: ltr; }
  .ins-visual { display: none; }
  .about-story { grid-template-columns: 1fr; gap: 40px; }
  .director-card { grid-template-columns: 1fr; }
  .director-photo { min-height: 200px; }
  .director-info { padding: 32px; }
  .timeline::before { left: 28px; }
  .timeline-item { grid-template-columns: 56px 1fr; }
  .timeline-item:nth-child(odd) .tl-content,
  .timeline-item:nth-child(even) .tl-content { grid-column: 2; text-align: left; }
  .timeline-item:nth-child(odd) .tl-year,
  .timeline-item:nth-child(even) .tl-year { grid-column: 1; }
  .tl-empty { display: none !important; }
  .faq-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .map-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  .main-nav {
    position: fixed; top: 72px; left: 0; right: 0;
    background: var(--navy);
    flex-direction: column; align-items: stretch;
    padding: 20px;
    gap: 4px;
    transform: translateY(-110%);
    transition: var(--transition);
    border-bottom: 1px solid rgba(201,147,58,0.2);
  }
  .main-nav.open { transform: translateY(0); }
  .main-nav a { padding: 14px 16px; border-radius: 10px; }
  .nav-cta { text-align: center; border-radius: 10px !important; margin-left: 0; margin-top: 8px; }
  .hamburger { display: flex; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .hero-visual { grid-template-columns: 1fr; }
  .hero-card-row { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .about-values { grid-template-columns: 1fr; }
  .pricing-card.featured { transform: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-bar-inner { justify-content: center; }
  .section { padding: 60px 0; }
}