/* =====================================================================
   ASSURE — Insurance Agency Website Template
   Plain CSS3. No frameworks. Shared design system across all pages.
   ---------------------------------------------------------------------
   REBRAND: Change the colors, fonts and brand name below.
   Search for "Assure" in the HTML files to rename the agency.
   ===================================================================== */

:root {
  /* ---- Brand palette (edit to rebrand) ---- */
  --blue:        #2563eb;   /* primary trustworthy blue */
  --blue-dark:   #1d4ed8;   /* darker blue for hovers   */
  --blue-deep:   #172554;   /* deep navy for footers    */
  --green:       #16a34a;   /* accent / success green   */
  --green-dark:  #15803d;
  --white:       #ffffff;
  --soft:        #f1f6fe;   /* soft alternate background */
  --soft-2:      #eaf2fe;
  --ink:         #0f172a;   /* near-black body text     */
  --muted:       #5b6b85;   /* muted secondary text     */
  --line:        #e2e8f0;   /* hairline borders         */

  /* ---- Typography ---- */
  --font-head: 'Poppins', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;

  /* ---- Shape & depth ---- */
  --radius:     16px;
  --radius-sm:  10px;
  --shadow:     0 10px 30px rgba(37, 99, 235, .08);
  --shadow-lg:  0 24px 60px rgba(23, 37, 84, .16);
  --container:  1180px;
  --gradient:   linear-gradient(135deg, var(--blue) 0%, #3b82f6 50%, var(--green) 140%);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.18; font-weight: 700; color: var(--ink); }
a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
ul { list-style: none; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section--soft { background: var(--soft); }
.center { text-align: center; }
.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .8rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--soft-2);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 16px;
}
.section-title { font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 14px; }
.section-lead { color: var(--muted); max-width: 620px; margin: 0 auto 8px; font-size: 1.05rem; }
.section-head { margin-bottom: 52px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-weight: 600; font-size: .98rem;
  padding: 14px 28px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
  white-space: nowrap;
}
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(37,99,235,.28); }
.btn-primary:hover { background: var(--blue-dark); transform: translateY(-2px); box-shadow: 0 12px 26px rgba(37,99,235,.36); }
.btn-green { background: var(--green); color: #fff; box-shadow: 0 8px 20px rgba(22,163,74,.28); }
.btn-green:hover { background: var(--green-dark); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-ghost:hover { background: var(--blue); color: #fff; }
.btn-light { background: #fff; color: var(--blue); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-outline-light:hover { background: #fff; color: var(--blue); }

/* =====================================================================
   HEADER (shared)
   ===================================================================== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 700; font-size: 1.3rem; color: var(--ink); }
.brand .logo-mark {
  width: 38px; height: 38px; border-radius: 11px; flex: 0 0 38px;
  background: var(--gradient); display: grid; place-items: center;
  box-shadow: 0 6px 16px rgba(37,99,235,.35);
}
.brand .logo-mark svg { width: 22px; height: 22px; }
.brand span b { color: var(--blue); }

.nav-menu { display: flex; align-items: center; gap: 6px; }
.nav-menu a.nav-link {
  font-family: var(--font-head); font-weight: 500; font-size: .96rem; color: var(--ink);
  padding: 9px 14px; border-radius: 9px; transition: color .2s, background .2s;
}
.nav-menu a.nav-link:hover { color: var(--blue); background: var(--soft); }
.nav-menu a.nav-link.active { color: var(--blue); background: var(--soft-2); }
.nav-cta { margin-left: 10px; }

.nav-toggle {
  display: none; width: 44px; height: 44px; border: 1px solid var(--line);
  background: #fff; border-radius: 10px; cursor: pointer; padding: 0;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ''; display: block; width: 20px; height: 2px; background: var(--ink);
  margin: 0 auto; position: relative; transition: transform .25s, opacity .2s;
}
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after  { position: absolute; top: 6px; }
.nav-toggle.open span { background: transparent; }
.nav-toggle.open span::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle.open span::after  { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 940px) {
  .nav-toggle { display: block; }
  .nav-menu {
    position: absolute; top: 76px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 4px;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 16px 24px 24px; box-shadow: var(--shadow);
    transform: translateY(-12px); opacity: 0; pointer-events: none; transition: .25s ease;
  }
  .nav-menu.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav-menu a.nav-link { padding: 12px 14px; }
  .nav-cta { margin: 8px 0 0; text-align: center; }
  .nav-cta .btn { width: 100%; justify-content: center; }
}

/* =====================================================================
   HERO (home)
   ===================================================================== */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 12% -10%, rgba(37,99,235,.14), transparent 60%),
    radial-gradient(700px 500px at 95% 10%, rgba(22,163,74,.12), transparent 55%),
    var(--white);
  padding: 70px 0 90px;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); letter-spacing: -.02em; }
.hero h1 .hl { color: var(--blue); }
.hero p.lead { color: var(--muted); font-size: 1.15rem; margin: 20px 0 30px; max-width: 540px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 26px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 22px; color: var(--muted); font-size: .92rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: 7px; }
.hero-trust .dot { color: var(--green); font-weight: 700; }

/* Quote mini-form card */
.quote-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 30px;
}
.quote-card h3 { font-size: 1.35rem; margin-bottom: 4px; }
.quote-card .sub { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 6px; color: var(--ink); font-family: var(--font-head); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 14px; border: 1px solid var(--line); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .96rem; background: #fff; color: var(--ink); transition: border .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,99,235,.15);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 10px; text-align: center; }
.error-msg { color: #dc2626; font-size: .8rem; margin-top: 5px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #dc2626; }
.field.invalid .error-msg { display: block; }
.form-success {
  display: none; background: #ecfdf5; border: 1px solid #a7f3d0; color: #166534;
  padding: 14px 16px; border-radius: var(--radius-sm); font-size: .95rem; margin-top: 14px;
}
.form-success.show { display: block; }

/* =====================================================================
   PAGE BANNER (inner pages)
   ===================================================================== */
.page-banner {
  position: relative; color: #fff; text-align: center; padding: 76px 0 70px;
  background:
    radial-gradient(700px 400px at 80% -20%, rgba(22,163,74,.45), transparent 60%),
    var(--gradient);
}
.page-banner h1 { color: #fff; font-size: clamp(2rem, 4.5vw, 3rem); }
.page-banner p { color: rgba(255,255,255,.9); max-width: 600px; margin: 14px auto 0; font-size: 1.08rem; }
.crumbs { font-size: .88rem; color: rgba(255,255,255,.8); margin-bottom: 14px; }
.crumbs a:hover { color: #fff; text-decoration: underline; }

/* =====================================================================
   CARDS / GRIDS
   ===================================================================== */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px; transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card .icon {
  width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center;
  font-size: 1.7rem; margin-bottom: 18px; background: var(--soft-2);
}
.card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: .97rem; }
.card .card-link { display: inline-flex; gap: 6px; margin-top: 14px; color: var(--blue); font-weight: 600; font-family: var(--font-head); font-size: .92rem; }
.card .card-link:hover { gap: 11px; }
.icon--blue  { background: var(--soft-2); }
.icon--green { background: #e7f7ed; }

/* Feature list with checkmarks */
.check-list li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; color: var(--ink); }
.check-list li::before {
  content: '✓'; flex: 0 0 22px; width: 22px; height: 22px; border-radius: 50%;
  background: #e7f7ed; color: var(--green); font-weight: 700; font-size: .8rem;
  display: grid; place-items: center; margin-top: 3px;
}

/* =====================================================================
   WHY-US / SPLIT
   ===================================================================== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.media-card {
  border-radius: var(--radius); padding: 40px; color: #fff; min-height: 360px;
  background: var(--gradient); position: relative; overflow: hidden; box-shadow: var(--shadow-lg);
  display: flex; flex-direction: column; justify-content: flex-end;
}
.media-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(300px 200px at 80% 20%, rgba(255,255,255,.25), transparent 60%);
}
.media-card .badge {
  position: absolute; top: 26px; left: 26px; background: rgba(255,255,255,.16);
  border: 1px solid rgba(255,255,255,.3); padding: 8px 14px; border-radius: 999px;
  font-size: .82rem; backdrop-filter: blur(6px);
}
.media-card .quote { font-family: var(--font-head); font-size: 1.5rem; font-weight: 600; position: relative; }
.media-card .who { margin-top: 14px; position: relative; opacity: .92; font-size: .95rem; }

/* =====================================================================
   STATS
   ===================================================================== */
.stats { background: var(--blue-deep); color: #fff; }
.stats .grid-4 { gap: 20px; }
.stat { text-align: center; padding: 14px; }
.stat .num { font-family: var(--font-head); font-weight: 700; font-size: clamp(2rem, 4vw, 2.8rem); color: #fff; }
.stat .num .plus { color: #4ade80; }
.stat .label { color: rgba(255,255,255,.75); font-size: .95rem; margin-top: 4px; }

/* =====================================================================
   TESTIMONIAL
   ===================================================================== */
.testi { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.testi .card .stars { color: #f59e0b; margin-bottom: 12px; letter-spacing: 2px; }
.testi .card p.txt { color: var(--ink); font-size: 1rem; }
.testi .person { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.testi .avatar {
  width: 46px; height: 46px; border-radius: 50%; flex: 0 0 46px; display: grid; place-items: center;
  color: #fff; font-family: var(--font-head); font-weight: 700; background: var(--gradient);
}
.testi .person b { display: block; font-family: var(--font-head); font-size: .95rem; }
.testi .person small { color: var(--muted); }

/* =====================================================================
   CTA BAND
   ===================================================================== */
.cta-band {
  background: var(--gradient); color: #fff; border-radius: 24px; padding: 56px;
  text-align: center; box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.cta-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(420px 240px at 15% 120%, rgba(255,255,255,.22), transparent 60%);
}
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3.5vw, 2.4rem); position: relative; }
.cta-band p { color: rgba(255,255,255,.92); max-width: 560px; margin: 14px auto 26px; position: relative; }
.cta-band .btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; position: relative; }

/* =====================================================================
   PLANS / PRICING
   ===================================================================== */
.plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; align-items: stretch; }
.plan {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px 30px;
  display: flex; flex-direction: column; transition: transform .25s, box-shadow .25s;
}
.plan:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.plan.featured { border: 2px solid var(--blue); box-shadow: var(--shadow-lg); position: relative; }
.plan.featured .ribbon {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--green); color: #fff; font-family: var(--font-head); font-weight: 600;
  font-size: .78rem; padding: 6px 16px; border-radius: 999px; letter-spacing: .04em;
}
.plan h3 { font-size: 1.3rem; }
.plan .price { font-family: var(--font-head); font-weight: 700; font-size: 2.6rem; margin: 10px 0 2px; color: var(--ink); }
.plan .price small { font-size: .95rem; color: var(--muted); font-weight: 500; }
.plan .plan-sub { color: var(--muted); font-size: .94rem; margin-bottom: 22px; }
.plan .check-list { flex: 1; margin-bottom: 24px; }
.plan .check-list li.off { color: var(--muted); opacity: .65; }
.plan .check-list li.off::before { content: '–'; background: #f1f5f9; color: var(--muted); }
.plan .btn { width: 100%; justify-content: center; }

/* =====================================================================
   FAQ (accordion)
   ===================================================================== */
.faq { max-width: 800px; margin: 0 auto; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 14px; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  font-family: var(--font-head); font-weight: 600; font-size: 1.02rem; color: var(--ink);
  padding: 20px 22px; display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-q .plus { color: var(--blue); font-size: 1.4rem; transition: transform .25s; flex: 0 0 auto; }
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a p { padding: 0 22px 20px; color: var(--muted); }

/* =====================================================================
   ABOUT / TEAM / VALUES
   ===================================================================== */
.value { padding: 28px; }
.value .icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; font-size: 1.5rem; background: var(--soft-2); margin-bottom: 14px; }
.team-member { text-align: center; }
.team-member .photo {
  width: 110px; height: 110px; border-radius: 50%; margin: 0 auto 16px; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 700; font-size: 2rem; color: #fff; background: var(--gradient);
  box-shadow: var(--shadow);
}
.team-member h3 { font-size: 1.1rem; }
.team-member .role { color: var(--blue); font-weight: 600; font-size: .9rem; font-family: var(--font-head); }
.team-member p { color: var(--muted); font-size: .92rem; margin-top: 8px; }

.partners { display: flex; flex-wrap: wrap; gap: 18px; justify-content: center; align-items: center; }
.partner {
  font-family: var(--font-head); font-weight: 700; font-size: 1.1rem; color: var(--muted);
  border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px 30px; background: #fff; opacity: .85;
}

/* =====================================================================
   CONTACT
   ===================================================================== */
.contact-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 44px; align-items: start; }
.contact-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow); }
.info-item { display: flex; gap: 16px; margin-bottom: 26px; }
.info-item .ic {
  width: 48px; height: 48px; flex: 0 0 48px; border-radius: 13px; display: grid; place-items: center;
  font-size: 1.3rem; background: var(--soft-2);
}
.info-item h4 { font-size: 1.05rem; margin-bottom: 3px; }
.info-item p { color: var(--muted); font-size: .96rem; }
.info-item a { color: var(--blue); }
.map-placeholder {
  margin-top: 8px; height: 260px; border-radius: var(--radius); border: 1px solid var(--line);
  background:
    repeating-linear-gradient(45deg, var(--soft) 0 22px, var(--soft-2) 22px 44px);
  display: grid; place-items: center; color: var(--muted); position: relative; overflow: hidden;
}
.map-placeholder .pin { font-size: 2.4rem; }
.map-placeholder .map-label { position: absolute; bottom: 14px; left: 16px; background: #fff; padding: 7px 14px; border-radius: 999px; font-size: .85rem; box-shadow: var(--shadow); }

.hours-list li { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: .96rem; }
.hours-list li:last-child { border-bottom: none; }
.hours-list li span:last-child { color: var(--muted); }

/* =====================================================================
   FOOTER (shared)
   ===================================================================== */
.site-footer { background: var(--blue-deep); color: rgba(255,255,255,.78); padding: 70px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 36px; margin-bottom: 44px; }
.footer-brand .brand { color: #fff; margin-bottom: 14px; }
.footer-brand p { font-size: .95rem; max-width: 300px; }
.footer-col h4 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer-col a { display: block; padding: 6px 0; font-size: .94rem; transition: color .2s, padding-left .2s; }
.footer-col a:hover { color: #fff; padding-left: 4px; }
.footer-social { display: flex; gap: 10px; margin-top: 16px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
  background: rgba(255,255,255,.08); transition: background .2s, transform .2s;
}
.footer-social a:hover { background: var(--blue); transform: translateY(-2px); }
.footer-social svg { width: 18px; height: 18px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: .88rem;
}
.footer-bottom a:hover { color: #fff; }

/* =====================================================================
   REVEAL ANIMATION (IntersectionObserver)
   No-JS fallback: .reveal stays visible (see <noscript> + html.no-js)
   ===================================================================== */
.js .reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s ease, transform .7s ease; }
.js .reveal.visible { opacity: 1; transform: none; }
.js .reveal.delay-1 { transition-delay: .08s; }
.js .reveal.delay-2 { transition-delay: .16s; }
.js .reveal.delay-3 { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 980px) {
  .hero-grid, .split, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .plans, .testi { grid-template-columns: 1fr; }
  .plan.featured { order: -1; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .section { padding: 64px 0; }
  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .cta-band { padding: 40px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hours-list li { font-size: .9rem; }
}
