/* ============================================
   Sections
   ============================================ */

/* Keyframes */
@keyframes slideUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes scrollCarousel {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* Hero Section */
.hero {
  min-height: 100vh;
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-light) 50%, #1a3a5c 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(ellipse at 20% 80%, rgba(201, 169, 98, 0.08) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 20%, rgba(201, 169, 98, 0.05) 0%, transparent 40%);
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0L30 60M0 30L60 30' stroke='%23c9a962' stroke-width='0.5' opacity='0.07'/%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-grid {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 4rem;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content {
  animation: slideUp 1s ease-out;
}

.hero-text {
  animation: slideUp 1s ease-out;
}

.hero-badge,
.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201, 169, 98, 0.15);
  border: 1px solid rgba(201, 169, 98, 0.3);
  padding: 0.5rem 1rem;
  border-radius: 2px;
  margin-bottom: 2rem;
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.hero-badge span {
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.hero h1 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: clamp(2.75rem, 5vw, 4rem);
  font-weight: 500;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 1.5rem;
}

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

.hero-description,
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.8;
  margin-bottom: 2.5rem;
  max-width: 520px;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
}

.hero-tool-link {
  margin-top: 1.25rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.6);
}

.hero-tool-link a {
  color: var(--gold);
  font-weight: 700;
  text-decoration: none;
}

.hero-tool-link a:hover {
  color: var(--gold-light);
}

/* Hero Pick Your Policy card */
.hero-tool-steps {
  margin-bottom: 1.5rem;
}

.hero-tool-step {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 0.7rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.5;
}

.hero-tool-step:last-child {
  border-bottom: none;
}

.hero-tool-step span {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  color: var(--gold);
  font-size: 0.8rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.1rem;
}

.hero-tool-cta {
  display: block;
  width: 100%;
  text-align: center;
  font-size: 1rem;
  padding: 1.1rem;
}

/* Section Headers */
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 5rem;
}

.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 1rem;
}

.section-title {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 1rem;
}

.section-subtitle {
  color: var(--slate);
  font-size: 1.1rem;
  line-height: 1.7;
}

/* Coverage / Services Section */
.services {
  padding: 8rem 4rem;
  background: var(--cream);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
}

.service-card {
  background: var(--white);
  padding: 2.5rem;
  border: 1px solid rgba(0, 0, 0, 0.06);
  position: relative;
  transition: all 0.4s ease;
  opacity: 0;
  transform: translateY(30px);
}

.service-card.visible {
  opacity: 1;
  transform: translateY(0);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(10, 22, 40, 0.1);
}

.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 0;
  background: var(--gold);
  transition: height 0.4s ease;
}

.service-card:hover::before {
  height: 100%;
}

.service-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.service-icon svg {
  width: 28px;
  height: 28px;
  stroke: var(--gold);
  stroke-width: 1.5;
  fill: none;
}

.service-card h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.service-card p {
  color: var(--slate);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* About Us Section */
.about-us {
  padding: 8rem 4rem;
  background: var(--white);
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 3rem;
  max-width: 900px;
  margin: 0 auto;
}

.team-card {
  text-align: center;
  padding: 3rem 2rem;
  background: var(--cream);
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: all 0.4s ease;
  opacity: 0;
  transform: translateY(30px);
}

.team-card.visible {
  opacity: 1;
  transform: translateY(0);
}

.team-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 60px rgba(10, 22, 40, 0.08);
}

.team-photo {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 1.5rem;
  border: 3px solid var(--gold);
  display: block;
}

.team-photo-placeholder {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  margin: 0 auto 1.5rem;
  border: 3px solid var(--gold);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 2rem;
  font-weight: 600;
  color: var(--gold);
}

.team-card h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.team-role {
  font-size: 0.85rem;
  color: var(--gold-dark);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.team-bio {
  color: var(--slate);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.team-social {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
}

.team-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--navy);
  border-radius: 4px;
  /* Icons are a mix of stroke-based and fill="currentColor" SVGs, so
     color them via `color` (currentColor), never `fill` - forcing fill
     breaks the outline icons and lets visited-link purple leak in. */
  color: var(--gold);
  transition: all 0.3s ease;
}

.team-social a:hover {
  background: var(--gold);
  color: var(--navy);
}

.team-social a svg {
  width: 18px;
  height: 18px;
}

/* Why Us Section */
.why-us {
  padding: 8rem 4rem;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.why-us::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201, 169, 98, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.why-us .section-label {
  color: var(--gold);
}

.why-us .section-title {
  color: var(--white);
}

.why-us .section-subtitle {
  color: rgba(255, 255, 255, 0.6);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 3rem;
  max-width: 1000px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.feature-item {
  display: flex;
  gap: 1.5rem;
  opacity: 0;
  transform: translateX(-20px);
  transition: all 0.6s ease;
}

.feature-item.visible {
  opacity: 1;
  transform: translateX(0);
}

.feature-number {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 3rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  opacity: 0.4;
}

.feature-content h4 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.5rem;
}

.feature-content p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* Carrier Carousel */
.carriers {
  padding: 5rem 0;
  background: var(--white);
  overflow: hidden;
}

.carriers .section-header {
  padding: 0 4rem;
}

.carousel-wrapper {
  position: relative;
  width: 100%;
  overflow: hidden;
  margin-top: 2rem;
}

.carousel-wrapper::before,
.carousel-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}

.carousel-wrapper::before {
  left: 0;
  background: linear-gradient(to right, var(--white), transparent);
}

.carousel-wrapper::after {
  right: 0;
  background: linear-gradient(to left, var(--white), transparent);
}

.carousel-track {
  display: flex;
  align-items: center;
  gap: 3rem;
  width: max-content;
  animation: scrollCarousel 30s linear infinite;
}

.carousel-track:hover {
  animation-play-state: paused;
}

.carrier-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 160px;
  height: 80px;
  padding: 1rem 1.5rem;
  background: var(--cream);
  border-radius: 12px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.carrier-logo:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 16px rgba(201, 169, 98, 0.15);
  transform: translateY(-2px);
}

.carrier-logo img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.7;
  transition: all 0.3s ease;
}

.carrier-logo:hover img {
  filter: grayscale(0%);
  opacity: 1;
}

.carrier-logo span {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  text-align: center;
  line-height: 1.2;
}

/* Process Section */
.process {
  padding: 8rem 4rem;
  background: var(--cream);
}

.process-steps,
.steps-grid {
  display: flex;
  justify-content: center;
  gap: 4rem;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.process-steps::before,
.steps-grid::before {
  content: "";
  position: absolute;
  top: 40px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), var(--gold), transparent);
  z-index: 0;
}

.step {
  text-align: center;
  position: relative;
  z-index: 1;
  flex: 1;
  max-width: 280px;
  opacity: 0;
  transform: translateY(20px);
}

.step.visible {
  opacity: 1;
  transform: translateY(0);
}

.step-number {
  width: 80px;
  height: 80px;
  background: var(--cream);
  border: 3px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.75rem;
  font-weight: 600;
  color: var(--navy);
  transition: all 0.3s ease;
}

.step:hover .step-number {
  background: var(--gold);
  color: var(--navy);
  transform: scale(1.1);
}

.step h3,
.step h4 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.step p {
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* Contact Section */
.contact {
  padding: 8rem 4rem;
  background: var(--white);
}

.contact-wrapper,
.contact-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 4rem;
  align-items: start;
}

.contact-info {
  padding-right: 2rem;
}

.contact-info .section-label {
  text-align: left;
}

.contact-info .section-title {
  text-align: left;
  margin-bottom: 1.5rem;
}

.contact-info > p {
  color: var(--slate);
  margin-bottom: 2.5rem;
  line-height: 1.8;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.contact-item-icon {
  width: 48px;
  height: 48px;
  background: var(--navy);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-item-icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold);
  stroke-width: 1.5;
  fill: none;
}

.contact-item-text {
  font-size: 1rem;
  color: var(--navy);
  font-weight: 500;
}

.contact-item-text a {
  color: var(--navy);
  text-decoration: none;
  transition: color 0.3s ease;
}

.contact-item-text a:hover {
  color: var(--gold-dark);
}

/* Products Grid (multi-product) */
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}

.product-card {
  background: var(--white);
  padding: 2.5rem 2rem;
  text-align: center;
  border: 1px solid #e2e8f0;
  transition: all 0.3s ease;
  position: relative;
}

.product-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.product-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(10, 22, 40, 0.12);
}

.product-card:hover::before {
  transform: scaleX(1);
}

.product-card-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.5rem;
  background: rgba(201, 169, 98, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.product-card-icon svg {
  width: 28px;
  height: 28px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
}

.product-card h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  font-weight: 600;
}

.product-card p {
  font-size: 0.9rem;
  color: var(--slate);
  margin-bottom: 1.5rem;
  line-height: 1.6;
}

.product-card .product-features {
  list-style: none;
  text-align: left;
  margin-bottom: 1.5rem;
}

.product-card .product-features li {
  font-size: 0.85rem;
  color: var(--text);
  padding: 0.4rem 0;
  padding-left: 1.5rem;
  position: relative;
}

.product-card .product-features li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.product-card .product-link {
  display: inline-block;
  color: var(--gold-dark);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  transition: color 0.3s ease;
}

.product-card .product-link:hover {
  color: var(--navy);
}

/* Product Hero (product pages) */
.product-hero {
  padding: 10rem 2rem 5rem;
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-light) 50%, #1a3a5c 100%);
  text-align: center;
  position: relative;
}

.product-hero h1 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  color: var(--white);
  font-weight: 500;
  margin-bottom: 1rem;
}

.product-hero .product-tagline {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.7);
  max-width: 600px;
  margin: 0 auto 2rem;
  line-height: 1.7;
}

.product-hero .product-stats {
  display: flex;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.product-hero .product-stat {
  text-align: center;
}

.product-hero .product-stat strong {
  display: block;
  font-size: 1.5rem;
  color: var(--gold);
  font-family: "Cormorant Garamond", Georgia, serif;
}

.product-hero .product-stat span {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

/* Responsive */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
    padding: 0 2rem;
  }

  .hero-visual {
    max-width: 500px;
  }

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

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

  .contact-wrapper,
  .contact-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 768px) {
  .hero {
    min-height: auto;
    padding: 7rem 0 4rem;
  }

  .hero::after {
    width: 100%;
    opacity: 0.5;
  }

  .hero-content {
    padding: 0 1.25rem;
    gap: 2.5rem;
    text-align: center;
  }

  .hero-text {
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .hero-badge {
    align-self: center;
  }

  .hero-badge span {
    font-size: 0.65rem;
    letter-spacing: 0.1em;
  }

  .hero h1 {
    font-size: 2.25rem;
    line-height: 1.1;
    text-align: center;
  }

  .hero-description {
    font-size: 1rem;
    margin-bottom: 2rem;
    text-align: center;
  }

  .hero-buttons {
    flex-direction: column;
    gap: 0.75rem;
    width: 100%;
  }

  .services,
  .about-us,
  .why-us,
  .process,
  .contact {
    padding: 4rem 1.25rem;
  }

  .section-header {
    margin-bottom: 3rem;
    padding: 0;
    text-align: center;
  }

  .section-label {
    font-size: 0.65rem;
  }

  .section-title {
    font-size: 1.75rem;
  }

  .section-subtitle {
    font-size: 1rem;
  }

  .services-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
    max-width: 100%;
  }

  .service-card {
    padding: 1.75rem;
    text-align: center;
  }

  .service-icon {
    width: 48px;
    height: 48px;
    margin: 0 auto 1rem auto;
  }

  .service-icon svg {
    width: 24px;
    height: 24px;
  }

  .service-card h3 {
    font-size: 1.2rem;
  }

  .service-card p {
    font-size: 0.9rem;
  }

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

  .team-card {
    padding: 2rem 1.5rem;
  }

  .features-grid {
    gap: 2rem;
    max-width: 100%;
  }

  .feature-item {
    gap: 1rem;
    text-align: left;
  }

  .feature-number {
    font-size: 2.25rem;
    flex-shrink: 0;
  }

  .feature-content h4 {
    font-size: 1.15rem;
  }

  .feature-content p {
    font-size: 0.9rem;
  }

  .carriers {
    padding: 3rem 0;
  }

  .carriers .section-header {
    padding: 0 1.5rem;
  }

  .carousel-track {
    gap: 2rem;
    animation-duration: 20s;
  }

  .carrier-logo {
    width: 130px;
    height: 65px;
    padding: 0.75rem 1rem;
  }

  .process-steps,
  .steps-grid {
    flex-direction: column;
    gap: 2rem;
    align-items: center;
  }

  .process-steps::before,
  .steps-grid::before {
    display: none;
  }

  .step {
    max-width: 100%;
    text-align: center;
  }

  .step-number {
    width: 70px;
    height: 70px;
    font-size: 1.5rem;
  }

  .step h3,
  .step h4 {
    font-size: 1.15rem;
  }

  .step p {
    font-size: 0.9rem;
  }

  .contact-wrapper,
  .contact-grid {
    gap: 2.5rem;
  }

  .contact-info {
    padding-right: 0;
    text-align: left;
  }

  .contact-info .section-label,
  .contact-info .section-title {
    text-align: left;
  }

  .contact-info .section-title {
    font-size: 1.75rem;
  }

  .contact-info > p {
    text-align: left;
  }

  .contact-details {
    align-items: flex-start;
  }

  .contact-item {
    gap: 0.75rem;
    justify-content: flex-start;
    align-items: flex-start;
    width: 100%;
  }

  .contact-item-icon {
    width: 42px;
    height: 42px;
    flex-shrink: 0;
  }

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

  .contact-item-text {
    font-size: 0.9rem;
    min-width: 0;
    word-break: break-word;
  }
}

@media (max-width: 600px) {
  .products-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .hero h1 {
    font-size: 1.9rem;
  }

  .hero-badge {
    padding: 0.4rem 0.75rem;
  }

  .hero-badge span {
    font-size: 0.6rem;
  }

  .section-title {
    font-size: 1.5rem;
  }

  .service-card {
    padding: 1.5rem;
  }
}