/* =========================================================
   Seniorfinalplan — front-end recreation
   Palette: navy #14304D / #1E4A73, warm gold accent #C89B3C,
            off-white background #FAF9F6, slate text #2B2F36
   Fonts: Poppins (headings), Inter (body)
   ========================================================= */

:root {
  --navy-900: #0F2438;
  --navy-800: #3C2150;
  --navy-700: #1E4A73;
  --gold: #C89B3C;
  --gold-dark: #A87F2A;
  --bg: #FAF9F6;
  --bg-alt: #F1EFE9;
  --text: #2B2F36;
  --text-muted: #5B6270;
  --white: #FFFFFF;
  --border: #E3DFD5;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(15, 36, 56, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

h1, h2, h3, h4 {
  font-family: 'Poppins', sans-serif;
  color: var(--navy-900);
  margin: 0 0 0.5em;
  line-height: 1.25;
}

p { margin: 0 0 1em; }

a { color: var(--navy-700); text-decoration: none; }
a:hover { color: var(--gold-dark); }

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

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Header ---------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}

.logo img { height: 80px; width: auto; }

.site-nav ul {
  list-style: none;
  display: flex;
  gap: 32px;
  margin: 0;
  padding: 0;
}

.site-nav a {
  color: var(--navy-800);
  font-weight: 500;
  font-size: 0.95rem;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy-900);
  display: block;
}

/* ---------- Hero ---------- */
/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  padding: 64px 0 80px;
  min-height: 100vh;
  display: flex;
  align-items: center;
}

/* Video Background */
.hero-video {
  position: absolute;
  top: 50%;
  left: 50%;
  min-width: 100%;
  min-height: 100%;
  width: auto;
  height: auto;
  transform: translateX(-50%) translateY(-50%);
  object-fit: cover;
  z-index: 0;
}

/* Dark Overlay */
.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.6);
  z-index: 1;
}

/* Hero Inner - Keep content above overlay */
.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: start;
}

.hero-copy h1 {
  color: var(--white);
  font-size: 2.6rem;
  font-weight: 700;
  margin-bottom: 20px;
  text-shadow: 2px 2px 8px rgba(0, 0, 0, 0.3);
}

.hero-copy p {
  color: rgba(255,255,255,0.9);
  font-size: 1.1rem;
  max-width: 46ch;
  text-shadow: 1px 1px 4px rgba(0, 0, 0, 0.3);
}

/* Call Now Button */
.call-now {
  display: inline-block;
  background: var(--accent, #A9E448);
  color: var(--navy-900, #1e293b);
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1.1rem;
  text-decoration: none;
  transition: all 0.3s ease;
  margin-top: 10px;
  box-shadow: 0 4px 15px rgba(169, 228, 72, 0.3);
}

.call-now:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(169, 228, 72, 0.5);
}

/* Hero Form */
.hero-form {
  background: rgba(255, 255, 255, 0.95);
  padding: 30px 28px;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
  backdrop-filter: blur(10px);
}

.hero-form h2 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy-800, #1e293b);
  margin-bottom: 20px;
  text-align: center;
}

/* Responsive */
@media (max-width: 992px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
  }

  .hero-copy p {
    max-width: 100%;
    margin: 0 auto;
  }

  .hero-form {
    max-width: 500px;
    margin: 0 auto;
    width: 100%;
  }
}

@media (max-width: 768px) {
  .hero {
    padding: 50px 0 60px;
    min-height: auto;
  }

  .hero-copy h1 {
    font-size: 2rem;
  }

  .hero-copy p {
    font-size: 1rem;
  }

  .hero-form {
    padding: 24px 18px;
  }

  .hero-form h2 {
    font-size: 1.3rem;
  }

  .call-now {
    padding: 12px 24px;
    font-size: 1rem;
  }
}

@media (max-width: 576px) {
  .hero-copy h1 {
    font-size: 1.6rem;
  }

  .hero-form {
    padding: 18px 14px;
  }

  .hero-form h2 {
    font-size: 1.1rem;
  }
}

.call-now {
  display: inline-block;
  margin-top: 20px;
  padding: 14px 28px;
  background: #8E4FDB;
  color: white;
  font-weight: 600;
  border-radius: var(--radius);
  font-size: 1rem;
}
.call-now:hover { background: var(--gold-dark); color: var(--white); }

.hero-form {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
}

.hero-form h2 {
  font-size: 1.5rem;
  margin-bottom: 20px;
}

.form-success {
  background: #E7F5EC;
  border: 1px solid #B7E3C6;
  color: #1F6E3F;
  padding: 12px 16px;
  border-radius: 8px;
  margin-bottom: 18px;
  font-size: 0.95rem;
}

.form-row.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.field { margin-bottom: 16px; }

.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-800);
  margin-bottom: 6px;
}

.field input,
.field select {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--bg);
  color: var(--text);
}

.field input:focus,
.field select:focus {
  outline: 2px solid var(--gold);
  outline-offset: 1px;
  border-color: var(--gold);
}

.consent-field { 
    margin-top: 4px; 
}

.checkbox-label {
    display: flex;
    flex-direction: row; /* Changed from row-reverse to row - checkbox on LEFT */
    gap: 10px;
    align-items: flex-start;
    cursor: pointer;
    max-height: 100px;
    overflow-y: auto;
}

.checkbox-label input[type="checkbox"] {
    margin-top: 4px;
    flex-shrink: 0;
    min-width: 16px;
    width: 16px;
    height: 16px;
    cursor: pointer;
    accent-color: #0073aa; /* Nice blue color */
}

.checkbox-label span {
    flex: 1;
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.checkbox-label a { 
    color: var(--navy-700); 
    text-decoration: underline; 
}

.btn-submit {
  width: 100%;
  margin-top: 8px;
  padding: 14px;
  background: #61CE70;
  color: var(--white);
  border: none;
  border-radius: 8px;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s ease;
}


/* ---------- Trust Badges ---------- */
.badges {
  background: var(--bg-alt);
  padding: 40px 0;
  border-bottom: 1px solid var(--border);
}

.badges-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}

.badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}

/* Icon styling — same size, circular */
.badge-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #eef2ff;       /* soft indigo background */
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  color: #8E4FDB;            /* indigo icon */
  flex-shrink: 0;
}
.badge-icon i{
  font-size: 64px;
}

.badge h3 {
  font-size: 1rem;
  letter-spacing: 0.02em;
  color: var(--navy-800);
  margin: 0;
}
/* ---------- Coverage CTA ---------- */
.coverage-cta {
  text-align: center;
  padding: 72px 0;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gold-dark);
  margin-bottom: 8px;
}

.coverage-cta h2 { font-size: 2rem; }

.coverage-cta p {
  max-width: 60ch;
  margin-left: auto;
  margin-right: auto;
  color: var(--text-muted);
}

.btn-primary {
  display: inline-block;
  margin-top: 12px;
  padding: 14px 32px;
  background: #8E4FDB;
  color: var(--white);
  border-radius: var(--radius);
  font-weight: 600;
}


/* ---------- Services ---------- */
.services {
  background: var(--bg-alt);
  padding: 72px 0;
  text-align: center;
}

.services h2 { font-size: 2rem; }

.section-sub {
  max-width: 60ch;
  margin: 0 auto 32px;
  color: var(--text-muted);
}

.services-heading {
  font-size: 1.1rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold-dark);
  margin-bottom: 24px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align: left;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}

.service-card h4 {
  font-size: 1.15rem;
  color: var(--navy-800);
}

.service-card p {
  color: var(--text-muted);
  margin-bottom: 0;
}

/* ---------- Why Life Insurance ---------- */
.why-life {
  padding: 72px 0;
}

.why-life-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.why-life-copy h2 { font-size: 1.9rem; }
.why-life-copy p { color: var(--text-muted); }

.why-life-images {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

.why-life-images img {
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  width: 100%;
  height: auto;
  object-fit: cover;
}

/* ---------- Ready CTA ---------- */
.ready-cta {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  color: var(--white);
  text-align: center;
  padding: 72px 0;
}

.ready-cta h2 { color: var(--white); font-size: 2rem; }

.ready-cta p {
  max-width: 60ch;
  margin: 0 auto 12px;
  color: rgba(255,255,255,0.85);
}

.ready-cta .btn-primary {
  background: #8E4FDB;
  color: white;
}


/* ---------- Testimonials ---------- */
.testimonials {
  padding: 72px 0;
  text-align: center;
  background: var(--bg-alt);
}

.testimonials h2 { font-size: 2rem; }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
  text-align: left;
}

.testimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin: 0;
  box-shadow: var(--shadow);
}

.testimonial p {
  font-style: italic;
  color: var(--text);
}

.testimonial cite {
  display: block;
  margin-top: 12px;
  font-style: normal;
  font-weight: 600;
  color: var(--navy-800);
  font-size: 0.9rem;
}

/* ---------- Legal pages ---------- */
.legal-page {
  padding: 64px 0;
  max-width: 820px;
  margin: 0 auto;
}

.legal-page h1 { font-size: 2.2rem; }

.legal-updated {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 28px;
}

.legal-page h2 {
  font-size: 1.3rem;
  margin-top: 32px;
}

.legal-page p { color: var(--text-muted); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.8);
  padding-top: 56px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 40px;
}

.footer-col h3 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 12px;
}

.footer-col p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }

.footer-phone {
  color: var(--gold);
  font-weight: 600;
  font-size: 1.05rem;
}
.footer-phone:hover { color: var(--white); }

.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
}
.footer-links li { margin-bottom: 8px; }
.footer-links a {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
}
.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  text-align: center;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .why-life-grid { grid-template-columns: 1fr; }
  .why-life-images { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .badges-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .nav-toggle { display: flex; }
  .site-nav {
    display: none;
    width: 100%;
    order: 3;
  }
  .site-nav.open { display: block; }
  .site-nav ul {
    flex-direction: column;
    gap: 0;
    padding: 12px 0;
  }
  .site-nav a {
    display: block;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
  }
  .header-inner { flex-wrap: wrap; }
  .hero-copy h1 { font-size: 2rem; }
  .form-row.two-col { grid-template-columns: 1fr; }
  .why-life-images { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}