/* ============================================
   MY INSURE HUB — Design System
   Aesthetic: confident, warm, editorial
   Palette: deep navy + amber gold + cream
   ============================================ */

:root {
  --navy: #0f1e3d;
  --navy-deep: #081127;
  --navy-soft: #1a2e57;
  --amber: #f5a623;
  --amber-deep: #e8930a;
  --amber-soft: #fff4dc;
  --cream: #fdf8ef;
  --cream-dark: #f5ecd9;
  --ink: #0a0f1f;
  --gray: #5a6478;
  --gray-soft: #e5e8ef;
  --gray-line: #d8dce5;
  --white: #ffffff;
  --green: #2d8a4e;
  --red: #d64545;

  --font-display: 'Bricolage Grotesque', Georgia, serif;
  --font-body: 'Manrope', -apple-system, sans-serif;

  --shadow-sm: 0 2px 8px rgba(15, 30, 61, 0.06);
  --shadow-md: 0 8px 24px rgba(15, 30, 61, 0.1);
  --shadow-lg: 0 24px 60px rgba(15, 30, 61, 0.15);
  --shadow-amber: 0 12px 32px rgba(245, 166, 35, 0.35);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-xl: 32px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.1;
  color: var(--navy);
}

h1 em, h2 em, h3 em {
  font-style: italic;
  font-weight: 500;
  color: var(--amber-deep);
}

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

/* ============================================
   TOP BAR
   ============================================ */
.top-bar {
  background: var(--navy-deep);
  color: var(--cream);
  font-size: 13px;
  padding: 10px 0;
  font-weight: 500;
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.top-bar-text { opacity: 0.85; }

.top-bar-phone {
  color: var(--amber);
  font-weight: 700;
  letter-spacing: 0.02em;
  transition: color 0.2s;
}
.top-bar-phone:hover { color: var(--white); }

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  background: var(--cream);
  border-bottom: 1px solid var(--gray-line);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
  background: rgba(253, 248, 239, 0.92);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 22px;
  color: var(--navy);
}

.logo-mark {
  width: 40px;
  height: 40px;
  background: var(--navy);
  color: var(--amber);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 800;
  transform: rotate(-4deg);
  transition: transform 0.3s;
}
.logo:hover .logo-mark { transform: rotate(0deg); }

.logo-text em {
  font-style: italic;
  font-weight: 500;
  color: var(--amber-deep);
}

.nav-links {
  display: flex;
  gap: 28px;
  align-items: center;
}

.nav-links a {
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  position: relative;
  padding: 8px 4px;
  transition: all 0.2s;
  cursor: pointer;
  display: inline-block;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 4px;
  right: 4px;
  height: 2px;
  background: var(--amber);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s;
}
.nav-links a:hover {
  color: var(--amber-deep);
  transform: translateY(-1px);
}
.nav-links a:hover::after { transform: scaleX(1); }
.nav-links a.active { color: var(--amber-deep); }
.nav-links a.active::after { transform: scaleX(1); }

.nav-cta {
  background: var(--navy);
  color: var(--amber) !important;
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 15px;
  transition: all 0.25s;
  white-space: nowrap;
}
.nav-cta:hover {
  background: var(--amber);
  color: var(--navy) !important;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

@media (max-width: 980px) {
  .nav-links { display: none; }
}

/* Mobile nav toggle button */
.mobile-menu-btn {
  display: none;
  background: var(--navy);
  color: var(--amber);
  border: none;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  font-size: 22px;
  cursor: pointer;
  align-items: center;
  justify-content: center;
}
@media (max-width: 980px) {
  .mobile-menu-btn { display: flex; }
  .nav-cta { display: none; }
}
@media (max-width: 980px) {
  .nav-links.mobile-open {
    display: flex !important;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--cream);
    padding: 20px 24px 24px;
    gap: 4px;
    border-bottom: 1px solid var(--gray-line);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.mobile-open a {
    padding: 14px 8px;
    border-bottom: 1px solid var(--gray-line);
    width: 100%;
    font-size: 16px;
  }
  .nav-links.mobile-open a:last-of-type { border-bottom: none; }
  .nav-links.mobile-open .mobile-call-btn {
    background: var(--amber);
    color: var(--navy);
    text-align: center;
    margin-top: 8px;
    border-radius: 10px;
    padding: 14px !important;
    font-weight: 800;
    border-bottom: none !important;
  }
}

/* Footer column CTA button */
.footer-col-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--amber);
  color: var(--navy) !important;
  padding: 12px 18px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 14px;
  margin-top: 12px;
  transition: all 0.2s;
  text-decoration: none;
}
.footer-col-cta:hover {
  background: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(245, 166, 35, 0.4);
}

/* Footer "Call Now" big block */
.footer-call-block {
  background: linear-gradient(135deg, var(--amber) 0%, var(--amber-deep) 100%);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-top: 16px;
  color: var(--navy);
}
.footer-call-block .label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.7;
  margin-bottom: 4px;
}
.footer-call-block .number {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 800;
  display: block;
  color: var(--navy) !important;
  letter-spacing: 0.01em;
}
.footer-call-block .sub {
  font-size: 12px;
  margin-top: 6px;
  opacity: 0.8;
}

/* ============================================
   HERO
   ============================================ */
.hero {
  position: relative;
  padding: 60px 0 80px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 20% 20%, rgba(245, 166, 35, 0.18), transparent 60%),
    radial-gradient(ellipse 70% 50% at 80% 80%, rgba(15, 30, 61, 0.06), transparent 60%),
    var(--cream);
  z-index: -1;
}
.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(15,30,61,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(15,30,61,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask: radial-gradient(ellipse at center, black 30%, transparent 75%);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 60px;
  align-items: center;
}

.badge {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--gray-line);
  padding: 8px 16px;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
}

.hero h1 {
  font-size: clamp(40px, 5.5vw, 68px);
  margin-bottom: 20px;
}

.hero-sub {
  font-size: 19px;
  color: var(--gray);
  margin-bottom: 32px;
  max-width: 540px;
  line-height: 1.55;
}
.hero-sub strong { color: var(--amber-deep); font-weight: 700; }

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-points {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
}
.hero-points li {
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
}

/* HERO CARD */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-line);
  position: relative;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: -8px;
  right: -8px;
  bottom: -8px;
  left: -8px;
  background: linear-gradient(135deg, var(--amber) 0%, transparent 60%);
  border-radius: var(--radius-lg);
  z-index: -1;
  opacity: 0.4;
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.pulse {
  width: 10px;
  height: 10px;
  background: var(--green);
  border-radius: 50%;
  position: relative;
}
.pulse::after {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--green);
  border-radius: 50%;
  animation: pulse 2s ease-out infinite;
}
@keyframes pulse {
  0% { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(3); opacity: 0; }
}

.hero-card h3 {
  font-size: 26px;
  margin-bottom: 8px;
}

.hero-card > p {
  color: var(--gray);
  font-size: 15px;
  margin-bottom: 20px;
}

.hero-card-divider {
  text-align: center;
  margin: 20px 0;
  position: relative;
  color: var(--gray);
  font-size: 13px;
}
.hero-card-divider::before,
.hero-card-divider::after {
  content: '';
  position: absolute;
  top: 50%;
  width: 40%;
  height: 1px;
  background: var(--gray-line);
}
.hero-card-divider::before { left: 0; }
.hero-card-divider::after { right: 0; }

.quick-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 16px;
}

.quick-opt {
  background: var(--cream);
  border: 1px solid var(--gray-line);
  padding: 12px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 13px;
  color: var(--navy);
  text-align: center;
  transition: all 0.2s;
}
.quick-opt:hover {
  background: var(--amber);
  color: var(--navy);
  transform: translateY(-2px);
}

.hero-card-foot {
  font-size: 12px;
  color: var(--gray);
  text-align: center;
  margin-top: 8px;
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-points { grid-template-columns: 1fr; }
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 14px 24px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 15px;
  font-family: var(--font-body);
  cursor: pointer;
  border: none;
  transition: all 0.25s cubic-bezier(0.2, 0.8, 0.2, 1);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--amber);
  color: var(--navy);
  box-shadow: var(--shadow-amber);
}
.btn-primary:hover {
  background: var(--amber-deep);
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(245, 166, 35, 0.5);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-md);
}
.btn-white:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  padding: 12px 22px;
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--amber);
}

.btn-block { width: 100%; justify-content: center; }
.btn-lg { padding: 18px 28px; font-size: 16px; }

.btn-xl {
  padding: 18px 28px;
  font-size: 16px;
  border-radius: var(--radius-md);
}

.btn-icon { font-size: 22px; }

.btn-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.1;
}
.btn-small {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.75;
  font-weight: 600;
}
.btn-big {
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.02em;
}

/* ============================================
   TRUST STRIP
   ============================================ */
.trust-strip {
  background: var(--navy);
  color: var(--cream);
  padding: 36px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
}
.trust-item {
  text-align: center;
  position: relative;
}
.trust-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: -12px;
  top: 15%;
  height: 70%;
  width: 1px;
  background: rgba(255,255,255,0.15);
}
.trust-item strong {
  font-family: var(--font-display);
  font-size: 38px;
  display: block;
  color: var(--amber);
  font-weight: 800;
  line-height: 1;
}
.trust-item span {
  font-size: 13px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  opacity: 0.7;
  font-weight: 600;
}

@media (max-width: 700px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 28px 16px; }
  .trust-item:not(:last-child)::after { display: none; }
}

/* ============================================
   SECTIONS — heads
   ============================================ */
section { padding: 90px 0; }

.section-head {
  max-width: 760px;
  margin: 0 auto 56px;
  text-align: center;
}

.eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--amber-deep);
  margin-bottom: 16px;
  padding: 6px 14px;
  background: var(--amber-soft);
  border-radius: 100px;
}
.eyebrow.light {
  background: rgba(245, 166, 35, 0.18);
  color: var(--amber);
}

.section-head h2 {
  font-size: clamp(34px, 4.5vw, 52px);
  margin-bottom: 16px;
}
.section-head p {
  color: var(--gray);
  font-size: 17px;
  line-height: 1.6;
}

/* ============================================
   SERVICES
   ============================================ */
.services { background: var(--cream); }

.services-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 20px;
}
.services-grid > .featured { grid-row: span 1; }

@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .services-grid { grid-template-columns: 1fr; }
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-line);
  transition: all 0.3s cubic-bezier(0.2, 0.8, 0.2, 1);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--amber);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--amber);
}
.service-card:hover::before { transform: scaleX(1); }

.service-card.featured {
  background: var(--navy);
  color: var(--cream);
  border-color: var(--navy);
}
.service-card.featured h3 { color: var(--cream); }
.service-card.featured::before { background: var(--amber); transform: scaleX(1); }

.service-icon {
  font-size: 40px;
  margin-bottom: 16px;
  width: 64px;
  height: 64px;
  background: var(--amber-soft);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}
.service-card.featured .service-icon {
  background: rgba(245, 166, 35, 0.2);
}

.service-card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.tag {
  background: var(--amber);
  color: var(--navy);
  font-size: 10px;
  font-weight: 700;
  padding: 4px 8px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-family: var(--font-body);
}

.service-card p {
  color: var(--gray);
  font-size: 15px;
  margin-bottom: 16px;
  flex: 1;
}
.service-card.featured p { color: rgba(253, 248, 239, 0.75); }

.service-card ul {
  list-style: none;
  margin-bottom: 20px;
}
.service-card ul li {
  font-size: 14px;
  padding: 6px 0;
  padding-left: 20px;
  position: relative;
  color: rgba(253, 248, 239, 0.85);
}
.service-card ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--amber);
  font-weight: 800;
}

.service-cta {
  font-weight: 700;
  font-size: 14px;
  color: var(--amber-deep);
  margin-top: auto;
}
.service-card.featured .service-cta {
  background: var(--amber);
  color: var(--navy);
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  text-align: center;
}

/* ============================================
   AUTO FOCUS
   ============================================ */
.auto-focus {
  background: var(--navy);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}
.auto-focus::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(245, 166, 35, 0.15), transparent 60%);
  pointer-events: none;
}

.auto-focus h2 { color: var(--cream); font-size: clamp(34px, 4.5vw, 52px); margin-bottom: 16px; }
.auto-focus h2 em { color: var(--amber); }
.auto-focus > .container > .auto-focus-inner > .auto-focus-left > p {
  color: rgba(253, 248, 239, 0.8);
  font-size: 18px;
  margin-bottom: 48px;
  max-width: 760px;
}
.auto-focus strong { color: var(--amber); font-weight: 700; }

.auto-services {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 900px) {
  .auto-services { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .auto-services { grid-template-columns: 1fr; }
}

.auto-srv {
  background: var(--navy-soft);
  padding: 28px;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255,255,255,0.08);
  transition: all 0.3s;
}
.auto-srv:hover {
  border-color: var(--amber);
  transform: translateY(-4px);
  background: var(--navy-deep);
}

.auto-srv-icon {
  font-size: 32px;
  width: 56px;
  height: 56px;
  background: rgba(245, 166, 35, 0.15);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.auto-srv h4 {
  color: var(--cream);
  font-size: 19px;
  margin-bottom: 8px;
}
.auto-srv p {
  font-size: 14px;
  color: rgba(253, 248, 239, 0.7);
  margin-bottom: 16px;
}
.link-cta {
  color: var(--amber);
  font-weight: 700;
  font-size: 14px;
  display: inline-block;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}
.link-cta:hover { border-bottom-color: var(--amber); }

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
  background: var(--amber);
  padding: 48px 0;
  color: var(--navy);
}
.cta-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-banner h2 {
  font-size: clamp(28px, 3.5vw, 40px);
  margin-bottom: 8px;
}
.cta-banner p {
  font-size: 17px;
  font-weight: 500;
  max-width: 540px;
}

/* ============================================
   HOW
   ============================================ */
.how { background: var(--cream); }
.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}
@media (max-width: 800px) { .how-grid { grid-template-columns: 1fr; } }

.how-step {
  background: var(--white);
  padding: 36px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-line);
  position: relative;
  transition: all 0.3s;
}
.how-step:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.how-num {
  font-family: var(--font-display);
  font-size: 72px;
  font-weight: 800;
  color: var(--amber);
  line-height: 1;
  margin-bottom: 16px;
  letter-spacing: -0.04em;
}

.how-step h3 {
  font-size: 22px;
  margin-bottom: 10px;
}
.how-step p { color: var(--gray); font-size: 15px; }

.how-cta { text-align: center; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials { background: var(--cream-dark); }

.testi-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (max-width: 800px) { .testi-grid { grid-template-columns: 1fr; } }

.testi {
  background: var(--white);
  padding: 32px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-line);
  position: relative;
}
.testi::before {
  content: '"';
  position: absolute;
  top: -20px;
  left: 24px;
  font-family: var(--font-display);
  font-size: 100px;
  color: var(--amber);
  line-height: 1;
  opacity: 0.3;
}
.stars {
  color: var(--amber);
  font-size: 18px;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}
.testi p {
  font-size: 17px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 16px;
  font-style: italic;
}
.testi cite {
  font-style: normal;
  font-weight: 700;
  font-size: 14px;
  color: var(--gray);
}

/* ============================================
   FAQ
   ============================================ */
.faq { background: var(--cream); }

.faq-inner {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}
@media (max-width: 900px) {
  .faq-inner { grid-template-columns: 1fr; gap: 32px; }
}

.faq-left h2 {
  font-size: clamp(34px, 4vw, 48px);
  margin-bottom: 12px;
}
.faq-left p {
  color: var(--gray);
  margin-bottom: 24px;
}

.faq-right {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

details {
  background: var(--white);
  border: 1px solid var(--gray-line);
  border-radius: var(--radius-md);
  padding: 0;
  overflow: hidden;
  transition: all 0.2s;
}
details[open] {
  border-color: var(--amber);
  box-shadow: var(--shadow-sm);
}
summary {
  padding: 20px 24px;
  font-weight: 700;
  font-size: 16px;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  position: relative;
  padding-right: 50px;
}
summary::-webkit-details-marker { display: none; }
summary::after {
  content: '+';
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 24px;
  color: var(--amber-deep);
  font-weight: 400;
  transition: transform 0.2s;
}
details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
details p {
  padding: 0 24px 20px;
  color: var(--gray);
  font-size: 15px;
  line-height: 1.6;
}

/* ============================================
   FINAL CTA
   ============================================ */
.final-cta {
  background: var(--navy);
  color: var(--cream);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at top, rgba(245, 166, 35, 0.2), transparent 50%),
    radial-gradient(ellipse at bottom right, rgba(245, 166, 35, 0.1), transparent 50%);
}
.final-cta-inner { position: relative; }
.final-cta h2 {
  font-size: clamp(40px, 6vw, 72px);
  color: var(--cream);
  margin-bottom: 16px;
}
.final-cta h2 em { color: var(--amber); }
.final-cta > .container > .final-cta-inner > p:first-of-type {
  font-size: 19px;
  margin-bottom: 32px;
  color: rgba(253, 248, 239, 0.8);
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}
.final-foot {
  margin-top: 24px;
  font-size: 13px;
  color: rgba(253, 248, 239, 0.55);
  letter-spacing: 0.05em;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy-deep);
  color: rgba(253, 248, 239, 0.7);
  padding: 64px 0 0;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 48px;
}
@media (max-width: 900px) {
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 500px) {
  .footer-inner { grid-template-columns: 1fr; }
}

.footer-col h4 {
  color: var(--cream);
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  font-weight: 700;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 14px;
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--amber); }

.footer-col p {
  font-size: 14px;
  margin-bottom: 12px;
  line-height: 1.6;
}
.footer-col p a { color: var(--amber); font-weight: 700; }

.logo-light { color: var(--cream); margin-bottom: 16px; }
.logo-light .logo-text { color: var(--cream); }

.footer-phone a {
  font-size: 22px !important;
  font-family: var(--font-display);
  font-weight: 800;
}

.footer-license {
  font-size: 12px !important;
  color: rgba(253, 248, 239, 0.45) !important;
  font-family: 'Courier New', monospace;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
}
.footer-bottom p {
  font-size: 12px;
  color: rgba(253, 248, 239, 0.5);
  margin-bottom: 8px;
}
.disclaimer { font-size: 11px !important; line-height: 1.6; }

/* ============================================
   FLOATING CALL BUTTON
   ============================================ */
.float-call {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--amber);
  color: var(--navy);
  padding: 14px 20px 14px 56px;
  border-radius: 100px;
  box-shadow: 0 12px 32px rgba(15, 30, 61, 0.25), 0 0 0 4px rgba(245, 166, 35, 0.2);
  font-weight: 700;
  font-size: 13px;
  line-height: 1.2;
  z-index: 200;
  transition: all 0.3s;
  display: flex;
  align-items: center;
}
.float-call:hover {
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 16px 40px rgba(15, 30, 61, 0.3), 0 0 0 6px rgba(245, 166, 35, 0.25);
}
.float-call-icon {
  position: absolute;
  left: 12px;
  width: 36px;
  height: 36px;
  background: var(--navy);
  color: var(--amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}
.float-call-text strong { font-size: 15px; display: block; }
.float-call-ring {
  position: absolute;
  left: 12px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--navy);
  animation: ringPulse 1.6s ease-out infinite;
}
@keyframes ringPulse {
  0% { transform: scale(1); opacity: 0.8; }
  100% { transform: scale(1.8); opacity: 0; }
}

@media (max-width: 600px) {
  .float-call {
    bottom: 16px;
    right: 16px;
    left: 16px;
    justify-content: center;
    padding: 14px 20px;
  }
  .float-call-icon, .float-call-ring { position: relative; left: 0; margin-right: 12px; }
}

/* ============================================
   PAGE — interior page support
   ============================================ */
.page-hero {
  background: var(--navy);
  color: var(--cream);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 80% 30%, rgba(245, 166, 35, 0.18), transparent 50%);
  pointer-events: none;
}
.page-hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 900px) { .page-hero-inner { grid-template-columns: 1fr; } }

.page-hero h1 {
  color: var(--cream);
  font-size: clamp(36px, 5vw, 60px);
  margin-bottom: 16px;
}
.page-hero h1 em { color: var(--amber); }
.page-hero > .container > .page-hero-inner > .page-hero-left > p {
  font-size: 18px;
  color: rgba(253, 248, 239, 0.8);
  margin-bottom: 28px;
  max-width: 560px;
}

.breadcrumb {
  font-size: 13px;
  color: rgba(253, 248, 239, 0.5);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--amber); }

.page-content { padding: 80px 0; background: var(--cream); }
.page-content .container { max-width: 900px; }

.page-content h2 {
  font-size: 36px;
  margin: 40px 0 16px;
}
.page-content h2:first-child { margin-top: 0; }
.page-content h3 {
  font-size: 24px;
  margin: 32px 0 12px;
}
.page-content p {
  font-size: 17px;
  color: var(--ink);
  line-height: 1.7;
  margin-bottom: 16px;
}
.page-content ul { margin: 0 0 24px 24px; }
.page-content ul li { margin-bottom: 8px; font-size: 16px; line-height: 1.6; }

.callout-box {
  background: var(--white);
  border: 1px solid var(--gray-line);
  border-left: 4px solid var(--amber);
  padding: 28px 32px;
  border-radius: var(--radius-md);
  margin: 32px 0;
}
.callout-box h3 { margin-top: 0; }
.callout-box .btn { margin-top: 12px; }

.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin: 24px 0 32px;
  list-style: none !important;
  padding-left: 0 !important;
}
.feature-list li {
  background: var(--white);
  border: 1px solid var(--gray-line);
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  color: var(--navy);
  position: relative;
  padding-left: 44px;
  font-size: 15px !important;
}
.feature-list li::before {
  content: '✓';
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 20px;
  height: 20px;
  background: var(--amber);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
}
@media (max-width: 600px) { .feature-list { grid-template-columns: 1fr; } }

/* Reveal animations */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.8s, transform 0.8s;
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 700px) {
  section { padding: 64px 0; }
  .hero { padding: 40px 0 60px; }
}