/* ===========================================================================
   Elite Insurance Group — shared stylesheet
   Design direction: Premium & Elegant (navy + gold)
   =========================================================================== */

:root {
  --navy: #0a1929;
  --navy-dark: #060f1a;
  --gold: #c8a662;
  --gold-light: #e8d4a1;
  --cream: #faf7f2;
  --text-dark: #1a1a1a;
  --text-muted-dark: #6b6b6b;
  --text-muted-light: #9ca3af;
  --border-light: #ebe5da;
  --border-dark: rgba(255,255,255,0.1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text-dark);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
h1, h2, h3, h4 { font-family: 'Playfair Display', Georgia, serif; letter-spacing: -0.02em; }
img { max-width: 100%; height: auto; }
a { color: inherit; }

/* --- Navigation --- */
.nav {
  position: sticky; top: 0;
  background: var(--navy);
  border-bottom: 1px solid var(--border-dark);
  z-index: 100;
}
.nav-inner {
  max-width: 1240px; margin: 0 auto;
  padding: 20px 32px;
  display: flex; align-items: center; justify-content: space-between;
}
.brand {
  font-family: 'Playfair Display', serif;
  font-size: 22px; font-weight: 700;
  color: white; letter-spacing: -0.01em;
  text-decoration: none;
}
.brand span { color: var(--gold); font-style: italic; }
.nav-links { display: flex; gap: 32px; }
.nav-links a {
  color: var(--text-muted-light);
  text-decoration: none;
  font-size: 14px; font-weight: 500;
  letter-spacing: 0.02em;
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold); }
.cta-btn {
  background: var(--gold); color: var(--navy);
  padding: 10px 22px; border-radius: 2px;
  text-decoration: none;
  font-size: 13px; font-weight: 600;
  letter-spacing: 0.04em; text-transform: uppercase;
  transition: background 0.2s;
}
.cta-btn:hover { background: var(--gold-light); }

/* --- Hero (used on all pages with variant tweaks) --- */
.hero {
  background: var(--navy);
  padding: 140px 32px 120px;
  color: white;
  position: relative;
  overflow: hidden;
}
.hero.short { padding: 100px 32px 80px; }
.hero::before {
  content: ''; position: absolute;
  top: 0; right: 0; width: 50%; height: 100%;
  background: radial-gradient(circle at 80% 50%, rgba(200,166,98,0.08), transparent 70%);
}
.hero-inner { max-width: 1240px; margin: 0 auto; position: relative; z-index: 1; }
.hero-eyebrow {
  color: var(--gold);
  font-size: 13px; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 {
  font-size: clamp(40px, 6vw, 84px);
  font-weight: 700; line-height: 1.05;
  margin-bottom: 28px; max-width: 900px;
}
.hero h1 em { color: var(--gold); font-style: italic; font-weight: 500; }
.hero p {
  font-size: 19px;
  color: var(--text-muted-light);
  max-width: 640px;
  margin-bottom: 44px; line-height: 1.7;
}
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }
.btn-primary {
  background: var(--gold); color: var(--navy);
  padding: 16px 32px; text-decoration: none;
  font-weight: 600; font-size: 14px;
  letter-spacing: 0.04em; text-transform: uppercase;
  transition: background 0.2s;
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-light); }
.btn-ghost {
  color: white; padding: 16px 32px;
  text-decoration: none;
  font-weight: 600; font-size: 14px;
  letter-spacing: 0.04em; text-transform: uppercase;
  border: 1px solid var(--border-dark);
  transition: border-color 0.2s;
  display: inline-block;
}
.btn-ghost:hover { border-color: var(--gold); }
.btn-dark {
  background: var(--navy); color: white;
  padding: 16px 32px; text-decoration: none;
  font-weight: 600; font-size: 14px;
  letter-spacing: 0.04em; text-transform: uppercase;
  display: inline-block;
  transition: background 0.2s;
}
.btn-dark:hover { background: var(--navy-dark); }

/* --- Section primitives --- */
section { padding: 120px 32px; }
section.tight { padding: 80px 32px; }
.section-inner { max-width: 1240px; margin: 0 auto; }
.section-header {
  text-align: center; margin-bottom: 80px;
  max-width: 760px; margin-left: auto; margin-right: auto;
}
.section-header.left { text-align: left; margin-left: 0; }
.section-eyebrow {
  color: var(--gold);
  font-size: 13px; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase;
  margin-bottom: 18px;
}
.section-title {
  font-size: clamp(38px, 5vw, 56px);
  font-weight: 700; line-height: 1.15;
  margin-bottom: 20px;
}
.section-title em { color: var(--gold); font-style: italic; font-weight: 500; }
.section-sub {
  font-size: 18px;
  color: var(--text-muted-dark);
  line-height: 1.7;
}

/* --- Insurance grid (3-column bordered) --- */
.bordered-grid { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--border-light); }
.bordered-cell {
  padding: 48px 36px;
  border-right: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  transition: background 0.3s;
}
.bordered-cell:nth-child(3n) { border-right: none; }
.bordered-cell:nth-last-child(-n+3) { border-bottom: none; }
.bordered-cell:hover { background: var(--cream); }
.cell-num {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: 14px; color: var(--gold);
  letter-spacing: 0.08em; margin-bottom: 20px;
}
.bordered-cell h3 { font-size: 26px; font-weight: 700; margin-bottom: 12px; }
.bordered-cell p { color: var(--text-muted-dark); font-size: 15px; line-height: 1.7; }
.bordered-cell a.cell-link {
  display: inline-block; margin-top: 18px;
  color: var(--navy); text-decoration: none;
  font-weight: 600; font-size: 13px;
  letter-spacing: 0.05em; text-transform: uppercase;
  border-bottom: 1px solid var(--navy);
  padding-bottom: 4px;
  transition: color 0.2s, border-color 0.2s;
}
.bordered-cell a.cell-link:hover { color: var(--gold); border-color: var(--gold); }

/* --- Carrier grid (text-based, magazine-style) --- */
.carriers-section { background: var(--cream); padding: 100px 32px; border-top: 1px solid var(--border-light); border-bottom: 1px solid var(--border-light); }
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1px;
  background: var(--border-light);
  border: 1px solid var(--border-light);
  max-width: 1240px; margin: 0 auto;
}
.carrier-name {
  background: white;
  padding: 32px 20px;
  min-height: 96px;
  display: flex; align-items: center; justify-content: center;
  text-align: center;
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 18px; font-weight: 700;
  color: var(--navy); letter-spacing: -0.01em;
  line-height: 1.2;
  transition: background 0.3s, color 0.3s;
}
.carrier-name:hover {
  background: var(--navy);
  color: var(--gold);
}
a.carrier-name { text-decoration: none; }

/* --- /carriers index page: linked card grid --- */
.carrier-link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  max-width: 1240px;
  margin: 0 auto;
}
.carrier-link-card {
  display: block;
  background: white;
  border: 1px solid var(--border-light);
  padding: 32px 28px;
  text-decoration: none;
  color: var(--text-dark);
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
}
.carrier-link-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(15,23,42,0.06);
}
.carrier-link-card .card-name {
  font-family: 'Playfair Display', serif;
  font-size: 24px; font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.01em;
  margin-bottom: 10px;
}
.carrier-link-card .card-lines {
  font-size: 13px;
  color: var(--text-muted-dark);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.carrier-link-card:hover .card-name { color: var(--gold); }

/* --- Blog --- */
.blog-hero h1 { font-size: clamp(36px, 5vw, 56px); line-height: 1.15; }
.blog-article { padding: 80px 32px 100px; background: white; }
.blog-article-inner {
  max-width: 720px; margin: 0 auto;
  font-family: 'Inter', sans-serif;
  font-size: 18px; line-height: 1.8;
  color: var(--text-dark);
}
.blog-article-inner .lede {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 22px;
  font-weight: 500;
  line-height: 1.5;
  color: var(--navy);
  margin-bottom: 28px;
}
.blog-article-inner p { margin-bottom: 22px; }
.blog-article-inner h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 30px;
  font-weight: 700;
  color: var(--navy);
  margin: 48px 0 18px;
  letter-spacing: -0.01em;
}
.blog-article-inner ol, .blog-article-inner ul {
  margin: 0 0 24px 24px;
  padding-left: 0;
}
.blog-article-inner li { margin-bottom: 12px; }
.blog-article-inner a {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
  text-decoration-thickness: 2px;
}
.blog-article-inner a:hover { color: var(--gold); }
.blog-article-inner strong { font-weight: 700; }

/* Blog index — post cards */
.blog-card {
  border-bottom: 1px solid var(--border-light);
  padding: 32px 0;
}
.blog-card:first-child { border-top: 1px solid var(--border-light); }
.blog-card-link {
  display: block;
  text-decoration: none;
  color: inherit;
  transition: opacity 0.2s;
}
.blog-card-link:hover { opacity: 0.85; }
.blog-card-meta {
  font-size: 13px;
  color: var(--text-muted-dark);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}
.blog-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.15;
}
.blog-card-link:hover .blog-card-title { color: var(--gold); }
.blog-card-excerpt {
  font-size: 17px;
  color: var(--text-muted-dark);
  line-height: 1.7;
  margin-bottom: 14px;
}
.blog-card-cta {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* --- Verticals (dark cards) --- */
.verticals { background: var(--navy); color: white; }
.verticals .section-title { color: white; }
.verticals .section-sub { color: var(--text-muted-light); }
.vertical-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.vertical-card {
  padding: 48px 40px;
  border: 1px solid var(--border-dark);
  transition: border-color 0.3s, transform 0.3s;
}
.vertical-card:hover { border-color: var(--gold); transform: translateY(-4px); }
.vertical-tag {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 14px; letter-spacing: 0.05em;
  margin-bottom: 18px;
}
.vertical-card h3 { font-size: 32px; font-weight: 700; margin-bottom: 14px; }
.vertical-card p {
  color: var(--text-muted-light);
  font-size: 15px;
  margin-bottom: 28px;
  line-height: 1.7;
}
.vertical-link {
  color: var(--gold); font-weight: 600;
  font-size: 13px; letter-spacing: 0.08em;
  text-transform: uppercase; text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
}

/* --- About / stats --- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-text h2 { font-size: 42px; font-weight: 700; margin-bottom: 24px; line-height: 1.15; }
.about-text h2 em { color: var(--gold); font-style: italic; font-weight: 500; }
.about-text p { color: var(--text-muted-dark); font-size: 17px; margin-bottom: 18px; line-height: 1.8; }
.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  padding: 40px;
  background: white;
  border: 1px solid var(--border-light);
}
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 56px; font-weight: 700;
  color: var(--navy); line-height: 1;
}
.stat-num em { color: var(--gold); }
.stat-label {
  font-size: 13px; color: var(--text-muted-dark);
  text-transform: uppercase; letter-spacing: 0.08em;
  margin-top: 8px;
}

/* --- Contact / cta --- */
.contact-section { background: var(--cream); text-align: center; }
.contact-inner { max-width: 720px; margin: 0 auto; }
.contact-section h2 {
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 700; margin-bottom: 24px; line-height: 1.15;
}
.contact-section h2 em { color: var(--gold); font-style: italic; font-weight: 500; }
.contact-section p { font-size: 19px; color: var(--text-muted-dark); margin-bottom: 36px; }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 560px; margin: 0 auto;
}
.contact-card {
  background: white;
  padding: 32px;
  border: 1px solid var(--border-light);
  text-align: center;
  transition: border-color 0.3s;
}
.contact-card:hover { border-color: var(--gold); }
.contact-card .label {
  font-family: 'Playfair Display', serif;
  font-style: italic; color: var(--gold);
  font-size: 14px; margin-bottom: 8px;
}
.contact-card a {
  font-family: 'Playfair Display', serif;
  font-size: 22px; color: var(--navy);
  text-decoration: none;
}

/* --- Form --- */
.quote-form { max-width: 720px; margin: 0 auto; padding: 48px; background: white; border: 1px solid var(--border-light); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-field { display: flex; flex-direction: column; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-size: 12px; font-weight: 600;
  color: var(--text-muted-dark);
  text-transform: uppercase; letter-spacing: 0.08em;
  margin-bottom: 6px;
}
.form-field input, .form-field select, .form-field textarea {
  font-family: inherit; font-size: 15px;
  padding: 12px 14px;
  border: 1px solid var(--border-light);
  background: var(--cream);
  color: var(--text-dark);
  transition: border-color 0.2s;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--gold);
}
.form-field textarea { min-height: 120px; resize: vertical; }
.form-actions { text-align: center; margin-top: 24px; }
.form-actions button {
  background: var(--gold); color: var(--navy);
  border: none; cursor: pointer;
  padding: 16px 48px; font-family: inherit;
  font-weight: 600; font-size: 14px;
  letter-spacing: 0.05em; text-transform: uppercase;
  transition: background 0.2s;
}
.form-actions button:hover { background: var(--gold-light); }
.form-note { text-align: center; font-size: 13px; color: var(--text-muted-dark); margin-top: 16px; }

/* --- Two-column content (used on subpages) --- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  max-width: 1240px;
  margin: 0 auto;
}
.two-col.alt { grid-template-columns: 1fr 1.2fr; }
.two-col h2 { font-size: 42px; margin-bottom: 20px; line-height: 1.15; }
.two-col h2 em { color: var(--gold); font-style: italic; font-weight: 500; }
.two-col p { color: var(--text-muted-dark); font-size: 17px; margin-bottom: 18px; line-height: 1.8; }
.two-col img.illustration {
  width: 100%; border: 1px solid var(--border-light);
  background: white; padding: 40px;
}

/* --- Feature list (checks) --- */
.feature-list { list-style: none; }
.feature-list li {
  padding: 12px 0 12px 32px;
  position: relative;
  border-bottom: 1px solid var(--border-light);
  font-size: 16px;
  color: var(--text-dark);
}
.feature-list li:last-child { border-bottom: none; }
.feature-list li::before {
  content: '✓';
  position: absolute; left: 0; top: 12px;
  color: var(--gold); font-weight: 700; font-size: 18px;
}

/* --- Pricing / value cards --- */
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card {
  padding: 40px 32px;
  background: white;
  border: 1px solid var(--border-light);
  transition: border-color 0.3s, transform 0.3s;
  text-align: center;
}
.value-card:hover { border-color: var(--gold); transform: translateY(-4px); }
.value-card .value-num {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 16px;
  margin-bottom: 16px;
}
.value-card h3 { font-size: 24px; margin-bottom: 12px; }
.value-card p { color: var(--text-muted-dark); font-size: 15px; line-height: 1.7; }

/* --- Footer --- */
.footer {
  background: var(--navy-dark);
  color: white;
  padding: 80px 32px 40px;
}
.footer-inner {
  max-width: 1240px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr 1fr;
  gap: 32px; margin-bottom: 60px;
}
.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 12px; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.2em;
  color: var(--gold);
  margin-bottom: 20px;
}
.footer-col a {
  display: block;
  color: var(--text-muted-light);
  text-decoration: none;
  margin-bottom: 12px;
  font-size: 14px;
  transition: color 0.2s;
}
.footer-col a:hover { color: white; }
.footer-bottom {
  border-top: 1px solid var(--border-dark);
  padding-top: 32px;
  text-align: center;
  color: var(--text-muted-light);
  font-size: 13px;
}

/* --- Mobile --- */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .bordered-grid, .vertical-grid, .about-grid, .contact-grid, .two-col, .value-grid {
    grid-template-columns: 1fr;
  }
  .bordered-cell { border-right: none; }
  .bordered-cell:nth-last-child(-n+3) { border-bottom: 1px solid var(--border-light); }
  .bordered-cell:last-child { border-bottom: none; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .two-col { gap: 40px; }
  .form-row { grid-template-columns: 1fr; }
  .quote-form { padding: 32px 24px; }
  section { padding: 80px 24px; }
  .hero { padding: 100px 24px 80px; }
}