/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue-dark:  #1a3a5c;
  --blue-mid:   #1e5fa8;
  --blue-light: #2d8cca;
  --gold:       #f0a500;
  --gold-dark:  #c88400;
  --bg-light:   #f4f8fc;
  --text-dark:  #1a2535;
  --text-mid:   #3d5166;
  --white:      #ffffff;
  --radius:     10px;
  --shadow:     0 4px 18px rgba(26,58,92,.12);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', Arial, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

a { color: var(--blue-mid); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; }

/* ===== NAVIGATION ===== */
header {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--blue-dark);
  text-decoration: none;
}

.logo img { height: 44px; width: auto; }

nav ul {
  list-style: none;
  display: flex;
  gap: 4px;
  align-items: center;
}

nav ul li { position: relative; }

nav ul li a {
  display: block;
  padding: 8px 13px;
  color: var(--text-dark);
  font-size: .93rem;
  font-weight: 500;
  border-radius: 6px;
  transition: background .2s, color .2s;
}

nav ul li a:hover,
nav ul li a.active {
  background: var(--bg-light);
  color: var(--blue-mid);
  text-decoration: none;
}

/* Dropdown */
.has-dropdown > a::after { content: ' ▾'; font-size: .75rem; }

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 220px;
  padding: 8px 0;
  z-index: 200;
}

.has-dropdown:hover .dropdown { display: block; }

.dropdown li a {
  padding: 9px 18px;
  border-radius: 0;
  font-size: .9rem;
}

.simplr-btn {
  background: var(--gold) !important;
  color: var(--white) !important;
  border-radius: 6px !important;
  font-weight: 600 !important;
  padding: 7px 14px !important;
}

.simplr-btn:hover { background: var(--gold-dark) !important; text-decoration: none !important; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text-dark); border-radius: 2px; transition: .3s; }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 60%, var(--blue-light) 100%);
  color: var(--white);
  padding: 80px 20px 70px;
  text-align: center;
}

.hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 18px;
  line-height: 1.2;
}

.hero p {
  font-size: 1.15rem;
  max-width: 640px;
  margin: 0 auto 32px;
  opacity: .92;
}

.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: transform .15s, box-shadow .15s;
  text-decoration: none !important;
}

.btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,.2); }

.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: var(--gold-dark); }

.btn-outline {
  background: transparent;
  border: 2px solid var(--white);
  color: var(--white);
  margin-left: 12px;
}

.btn-blue { background: var(--blue-mid); color: var(--white); }
.btn-blue:hover { background: var(--blue-dark); }

/* ===== SECTIONS ===== */
.section { padding: 64px 20px; }
.section-alt { background: var(--bg-light); }

.container { max-width: 1100px; margin: 0 auto; }

.section-title {
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 12px;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--text-mid);
  margin-bottom: 40px;
  max-width: 680px;
}

/* ===== CARDS ===== */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 24px;
  transition: transform .2s, box-shadow .2s;
}

.card:hover { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(26,58,92,.16); }

.card-icon {
  font-size: 2.2rem;
  margin-bottom: 14px;
}

.card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: 8px;
}

.card p { font-size: .93rem; color: var(--text-mid); }

.card a.card-link {
  display: inline-block;
  margin-top: 14px;
  font-weight: 600;
  color: var(--blue-mid);
  font-size: .9rem;
}

/* ===== INSURANCE LINKS ===== */
.ins-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  margin-top: 32px;
}

.ins-item {
  background: var(--white);
  border: 2px solid #e0eaf4;
  border-radius: var(--radius);
  padding: 18px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  transition: border-color .2s, box-shadow .2s;
  text-decoration: none !important;
  color: var(--text-dark);
}

.ins-item:hover {
  border-color: var(--blue-mid);
  box-shadow: 0 4px 16px rgba(30,95,168,.12);
  text-decoration: none !important;
}

.ins-item-icon { font-size: 1.6rem; flex-shrink: 0; }

.ins-item-text strong { display: block; font-size: .95rem; color: var(--blue-dark); }
.ins-item-text span { font-size: .82rem; color: var(--text-mid); }

/* ===== SIMPLR BOX ===== */
.simplr-box {
  background: linear-gradient(135deg, var(--gold) 0%, #f5c842 100%);
  border-radius: 14px;
  padding: 36px 32px;
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 40px;
}

.simplr-box-icon { font-size: 3rem; flex-shrink: 0; }

.simplr-box-text h3 { font-size: 1.2rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 6px; }
.simplr-box-text p { font-size: .95rem; color: var(--text-dark); }

.simplr-box .btn-blue { margin-top: 14px; }

/* ===== REDIRECT PAGE ===== */
.redirect-page {
  min-height: 80vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 40px 20px;
}

.redirect-page h1 { font-size: 2rem; color: var(--blue-dark); margin-bottom: 16px; }
.redirect-page p { font-size: 1.1rem; color: var(--text-mid); max-width: 560px; margin-bottom: 28px; }
.redirect-countdown { font-size: 1rem; color: var(--text-mid); margin-bottom: 24px; }

/* ===== TESTIMONIALS ===== */
.testimonials { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; margin-top: 32px; }

.testimonial {
  background: var(--white);
  border-left: 4px solid var(--blue-mid);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 22px 20px;
  box-shadow: var(--shadow);
  font-style: italic;
  color: var(--text-mid);
}

.testimonial cite { display: block; margin-top: 10px; font-style: normal; font-weight: 600; color: var(--blue-dark); font-size: .9rem; }

/* ===== CONTACT ===== */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 32px; margin-top: 32px; }

.contact-item { display: flex; align-items: flex-start; gap: 14px; }
.contact-item-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 2px; }
.contact-item-text strong { display: block; font-size: .9rem; color: var(--text-mid); margin-bottom: 4px; }
.contact-item-text a, .contact-item-text span { font-size: 1rem; color: var(--text-dark); font-weight: 500; }

.social-links { display: flex; gap: 12px; margin-top: 24px; flex-wrap: wrap; }

.social-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: 50px;
  font-weight: 600;
  font-size: .9rem;
  transition: opacity .2s;
  text-decoration: none !important;
  color: var(--white) !important;
}

.social-btn:hover { opacity: .85; }
.social-btn.fb { background: #1877f2; }
.social-btn.ig { background: linear-gradient(45deg, #f09433, #e6683c, #dc2743, #cc2366, #bc1888); }
.social-btn.wa { background: #25d366; }

/* ===== PAGE HERO (subpages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 52px 20px 44px;
  text-align: center;
}

.page-hero h1 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); font-weight: 800; margin-bottom: 10px; }
.page-hero p { font-size: 1.05rem; opacity: .9; max-width: 580px; margin: 0 auto; }

/* ===== BREADCRUMB ===== */
.breadcrumb { font-size: .85rem; color: rgba(255,255,255,.75); margin-bottom: 12px; }
.breadcrumb a { color: rgba(255,255,255,.85); }

/* ===== INFO BOX ===== */
.info-box {
  background: #e8f3fd;
  border-left: 4px solid var(--blue-mid);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 18px 22px;
  margin: 24px 0;
  font-size: .95rem;
  color: var(--text-dark);
}

/* ===== FOOTER ===== */
footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,.8);
  padding: 48px 20px 24px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  margin-bottom: 32px;
}

.footer-col h4 { color: var(--white); font-size: .95rem; font-weight: 700; margin-bottom: 14px; }

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,.75); font-size: .9rem; }
.footer-col ul li a:hover { color: var(--white); text-decoration: none; }

.footer-bottom {
  max-width: 1100px;
  margin: 0 auto;
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: .85rem;
}

.footer-bottom a { color: rgba(255,255,255,.65); }
.footer-bottom a:hover { color: var(--white); }

/* ===== COOKIE BANNER ===== */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--blue-dark);
  color: var(--white);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  z-index: 9999;
  font-size: .9rem;
  box-shadow: 0 -4px 16px rgba(0,0,0,.2);
}

#cookie-banner a { color: var(--gold); }

#cookie-accept {
  background: var(--gold);
  color: var(--white);
  border: none;
  padding: 9px 22px;
  border-radius: 50px;
  font-weight: 700;
  cursor: pointer;
  font-size: .9rem;
  flex-shrink: 0;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .hamburger { display: flex; }

  nav { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--white); box-shadow: 0 8px 20px rgba(0,0,0,.1); padding: 16px 20px 20px; }
  nav.open { display: block; }

  nav ul { flex-direction: column; gap: 2px; }
  nav ul li a { padding: 10px 14px; }

  .dropdown { position: static; box-shadow: none; padding: 0 0 0 16px; display: block; }
  .has-dropdown > a::after { content: ''; }

  .hero { padding: 56px 20px 48px; }
  .btn-outline { margin-left: 0; margin-top: 10px; }

  .simplr-box { flex-direction: column; text-align: center; }

  .footer-bottom { flex-direction: column; text-align: center; }
}