/* ============================================
   PolicyPlaceUSA.com - Main Stylesheet
   Team Invictus Services Corp.
   ============================================ */

/* --- CSS Variables --- */
:root {
  /* ========================================
     POLICYPLACE.CA STYLE COLOR THEME
     Red + Blue + White Canadian Branding
  ======================================== */

  /* Primary Brand Colors */
  --navy:       #315295;   /* Main professional blue */
  --navy-dark:  #315295;   /* Dark hover blue */
  --navy-light: #2563EB;   /* Lighter action blue */

  /* Accent Red */
  --red:        #D62828;   /* Strong premium Canadian red */

  /* Optional Premium Gold */
  --gold:       #D4AF37;
  --gold-light: #E8C96A;

  /* Neutrals */
  --white:      #FFFFFF;
  --off-white:  #F8FAFC;
  --light-gray: #E5E7EB;
  --mid-gray:   #6B7280;

  /* Text */
  --dark-text:  #1F2937;
  --body-text:  #374151;

  /* Shadows */
  --shadow-sm:  0 2px 8px rgba(30,58,138,0.08);
  --shadow-md:  0 6px 24px rgba(30,58,138,0.12);
  --shadow-lg:  0 16px 48px rgba(30,58,138,0.16);

  /* UI */
  --radius:     8px;
  --radius-lg:  16px;
  --transition: 0.28s cubic-bezier(0.4,0,0.2,1);
}



/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  -ms-text-size-adjust: 100%;
  
}
* {
  box-sizing: border-box;
}
body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--body-text);
  background-color: var(--white);
  line-height: 1.7;

  /* FIX: prevents horizontal shift on large screens */
  overflow-x: hidden;

  /* Better rendering on high-end displays */
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;

  /* Prevent layout flicker */
  width: 100%;
  max-width: 100%;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* --- Typography --- */
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', 'Georgia', serif;
  color: var(--navy);
  line-height: 1.25;
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p  { margin-bottom: 1rem; }

.section-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.section-title { margin-bottom: 1rem; }
.section-subtitle { color: var(--mid-gray); font-size: 1.05rem; max-width: 600px; }

/* --- Layout Helpers --- */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section-pad { padding: 90px 0; }
.section-pad-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-gold  { color: var(--navy) !important; }
.text-navy  { color: var(--navy) !important; }
.bg-navy    { background: var(--navy); }
.bg-navy-dark { background: var(--navy-dark); }
.bg-off-white { background: var(--off-white); }
.bg-light-gray { background: var(--light-gray); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.8rem 2rem;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  transition: all var(--transition);
  text-decoration: none;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: #CF1C22;
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(10,31,68,0.2);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-secondary:hover {
  background: var(--white);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(255,255,255,0.2);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-red {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-black {
    background: #061430 !important;
    color: var(--white);
    border-color: var(--red);
}

.btn-red:hover {
  background: #c9273c;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(178,34,52,0.35);
}
.btn-lg { padding: 1rem 2.5rem; font-size: 1.05rem; }
.btn-sm { padding: 0.55rem 1.4rem; font-size: 0.85rem; }

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
#site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
#site-header.scrolled { box-shadow: var(--shadow-md); }

/* Top bar */
.header-topbar {
  background: var(--white);
  padding: 0.4rem 0;
  font-size: 0.82rem;
  color: var(--dark-text);
  border-bottom: 1px solid var(--light-gray);
}
.header-topbar .container { display: flex; align-items: center; justify-content: space-between; }
.topbar-info { display: flex; align-items: center; gap: 1.5rem; }
.topbar-info a { color: var(--body-text); transition: color var(--transition); }
.topbar-info a:hover { color: var(--navy); }
.topbar-info i { color: var(--navy); margin-right: 0.3rem; }
.topbar-cta a {
  background: var(--navy);
  color: var(--white);
  padding: 0.25rem 0.9rem;
  border-radius: 20px;
  font-weight: 600;
  font-size: 0.8rem;
  transition: background var(--transition);
}
.topbar-cta a:hover { background: var(--navy-dark); }

/* Main nav */
.header-main { padding: 0.9rem 0; }
.header-main .container { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }

.site-logo { display: flex; align-items: center; gap: 0.8rem; flex-shrink: 0; }
.site-logo .logo-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.site-logo .logo-icon::before {
  content: '🦅';
  font-size: 1.8rem;
  line-height: 1;
}
.logo-text-group { display: flex; flex-direction: column; }
.logo-name {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.1;
}
.logo-sub {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--mid-gray);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Navigation */
.main-nav { display: flex; align-items: center; gap: 0; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 0.3rem;
  padding: 0.6rem 0.9rem;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--dark-text);
  transition: color var(--transition);
  white-space: nowrap;
  border-bottom: 3px solid transparent;
}
.nav-link:hover,
.nav-link.active { color: var(--navy); border-bottom-color: var(--navy); }
.nav-link i { font-size: 0.7rem; transition: transform var(--transition); }
.nav-item:hover .nav-link i { transform: rotate(180deg); }

/* Dropdowns */
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border-top: 3px solid var(--navy);
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition);
  z-index: 200;
}
.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu li a {
  display: flex; align-items: center; gap: 0.7rem;
  padding: 0.65rem 1.2rem;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--body-text);
  transition: all var(--transition);
  border-left: 3px solid transparent;
}
.dropdown-menu li a:hover {
  color: var(--navy);
  background: rgba(10,31,68,0.08);
  border-left-color: var(--navy);
  padding-left: 1.5rem;
}
.dropdown-menu li a i {
  width: 18px; text-align: center;
  color: var(--navy);
  font-size: 0.85rem;
}
.dropdown-menu li:first-child a {
  font-weight: 700;
  color: var(--navy);
  border-bottom: 1px solid var(--light-gray);
  margin-bottom: 0.3rem;
  padding-bottom: 0.8rem;
}

.nav-cta {
  display: flex; align-items: center; gap: 0.8rem;
  margin-left: 1rem;
}

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column; gap: 5px;
  padding: 0.5rem;
  cursor: pointer;
}
.hamburger span {
  display: block; width: 25px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================
   HERO SECTION
   ============================================ */
.hero-section {
  position: relative;
  min-height: 88vh;
  display: flex; align-items: center;
  background: var(--white);
  border-bottom: 2px solid var(--light-gray);
  overflow: hidden;
}
.hero-section::before {
  content: '';
  position: absolute; inset: 0;
  background: none;
}
.hero-pattern {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-content {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: center;
  padding: 5rem 0;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(10,31,68,0.08);
  border: 1px solid rgba(10,31,68,0.15);
  color: var(--navy);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.hero-title {
  color: var(--navy);
  margin-bottom: 1.2rem;
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
}
.hero-title span { color: var(--navy); }
.hero-subtitle {
  color: var(--body-text);
  font-size: 1.08rem;
  margin-bottom: 0.8rem;
  line-height: 1.75;
}
.hero-tagline {
  color: var(--mid-gray);
  font-size: 0.9rem;
  font-style: italic;
  margin-bottom: 2rem;
  border-left: 3px solid var(--light-gray);
  padding-left: 1rem;
}
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-trust-row {
  display: flex; align-items: center; gap: 1.5rem;
  flex-wrap: wrap;
  padding-top: 1.5rem;
  border-top: 1px solid var(--light-gray);
}
.hero-trust-item {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.82rem;
  color: var(--body-text);
}
.hero-trust-item i { color: var(--navy); }

/* Hero visual card */
.hero-visual { display: flex; flex-direction: column; gap: 1.2rem; }
.hero-card {
  background: var(--off-white);
  backdrop-filter: blur(10px);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: transform var(--transition);
}
.hero-card:hover { transform: translateY(-4px); }
.hero-card-icon {
  width: 48px; height: 48px;
  background: rgba(10,31,68,0.1);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 0.8rem;
  color: var(--navy);
}
.hero-card h4 { color: var(--navy); font-size: 1rem; margin-bottom: 0.3rem; }
.hero-card p { color: var(--body-text); font-size: 0.85rem; margin: 0; }
.hero-card-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--white);
  border-top: 1px solid var(--light-gray);
  border-bottom: 1px solid var(--light-gray);
  padding: 1.5rem 0;
}
.trust-bar .container {
  display: flex; align-items: center; justify-content: space-around;
  flex-wrap: wrap; gap: 1rem;
}
.trust-item {
  display: flex; align-items: center; gap: 0.75rem;
  font-size: 0.88rem; font-weight: 600; color: var(--dark-text);
}
.trust-item i {
  font-size: 1.4rem; color: var(--navy);
  background: rgba(10,31,68,0.08);
  width: 42px; height: 42px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}

/* ============================================
   PRODUCT CARDS SECTION
   ============================================ */
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--navy);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.product-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-6px);
  border-color: rgba(10,31,68,0.15);
}
.product-card:hover::before { transform: scaleX(1); }
.product-icon {
  width: 60px; height: 60px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.2rem;
}
.product-icon.navy { background: rgba(10,31,68,0.08); }
.product-icon.gold  { background: rgba(10,31,68,0.08); }
.product-icon.red   { background: rgba(178,34,52,0.08); }
.product-card h3 { margin-bottom: 0.6rem; font-size: 1.2rem; }
.product-card p { font-size: 0.9rem; color: var(--mid-gray); margin-bottom: 1.2rem; }
.product-card .card-link {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.88rem; font-weight: 600; color: var(--navy);
  transition: gap var(--transition);
}
.product-card .card-link:hover { gap: 0.7rem; color: var(--navy); }

/* ============================================
   WHY CHOOSE US
   ============================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.why-item {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.5rem;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  transition: all var(--transition);
}
.why-item:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(10,31,68,0.15);
  transform: translateY(-3px);
}
.why-icon {
  flex-shrink: 0;
  width: 50px; height: 50px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
}
.why-text h4 { color: var(--navy); margin-bottom: 0.3rem; }
.why-text p  { font-size: 0.88rem; color: var(--mid-gray); margin: 0; }

/* ============================================
   CROSS-BORDER BANNER FIX
   Better visibility + premium section styling
============================================ */

/* ============================================
   CROSS-BORDER BANNER FIX
============================================ */

.crossborder-banner {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(7, 24, 49, 0.96), rgba(11, 45, 82, 0.95)),
    radial-gradient(circle at top right, rgba(201, 168, 76, 0.22), transparent 35%);
  padding: 90px 0;
  color: #ffffff;
}

.crossborder-inner {
  max-width: 900px;
  margin: 0 auto;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2rem;
}

.flag-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.flag-label {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
  margin-top: 0.4rem;
  text-align: center;
}

.divider {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  color: #ffffff;
  font-weight: 700;
}

.crossborder-banner .section-eyebrow {
  display: inline-block;
  color: var(--gold);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.8rem;
  font-weight: 800;
  margin-bottom: 1rem;
}

.crossborder-banner h2,
.crossborder-banner .text-white {
  color: #ffffff !important;
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.15;
  font-weight: 800;
}

.crossborder-banner p {
  color: rgba(255, 255, 255, 0.82) !important;
  line-height: 1.8;
}

.crossborder-banner .btn-secondary {
  background: #ffffff;
  color: var(--navy-dark) !important;
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.crossborder-banner .btn-secondary i {
  color: var(--gold);
}

/* Mobile */
@media (max-width: 768px) {
  .crossborder-banner {
    padding: 70px 18px;
  }

  .flag-row {
    gap: 1.2rem;
  }

  .flag-row div div[style*="font-size:3rem"] {
    font-size: 2.2rem !important;
  }

  .crossborder-banner h2 {
    font-size: 2rem;
  }

  .crossborder-banner p {
    font-size: 0.95rem !important;
  }

  .crossborder-banner .btn {
    width: 100%;
    justify-content: center;
  }
}
/* ============================================
   ADVISOR CTA SECTION
   ============================================ */
.advisor-section {
  background: var(--white);
  position: relative; overflow: hidden;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-lg);
  padding: 3rem 0;
}
.advisor-before {
  content: '';
  position: absolute; inset: 0;
  background: none;
}
.advisor-inner {
  display: grid; grid-template-columns: 1fr auto;
  gap: 3rem; align-items: center; position: relative; z-index: 1;
}
.advisor-inner h2 { color: var(--navy); }
.advisor-inner p { color: var(--body-text); margin-bottom: 0; }
.advisor-list { margin: 1rem 0; }
.advisor-list li {
  display: flex; align-items: center; gap: 0.6rem;
  font-size: 0.92rem; color: var(--body-text);
  margin-bottom: 0.5rem; font-weight: 500;
}
.advisor-list li i { color: var(--navy); font-size: 0.9rem; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  position: absolute; top: 1rem; left: 1.5rem;
  font-size: 4rem;
  color: var(--navy);
  font-family: Georgia, serif;
  line-height: 1;
  opacity: 0.15;
}
.testimonial-text { font-style: italic; color: var(--body-text); margin-bottom: 1.2rem; padding-top: 1rem; }
.testimonial-author { display: flex; align-items: center; gap: 0.8rem; }
.author-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-weight: 700; font-size: 1rem;
}
.author-info strong { display: block; color: var(--navy); font-size: 0.92rem; }
.author-info span { color: var(--mid-gray); font-size: 0.8rem; }
.stars { color: var(--navy); font-size: 0.85rem; margin-bottom: 0.3rem; }

/* ============================================
   PAGE HERO (Inner Pages)
   ============================================ */
.page-hero {
  background: var(--white);
  padding: 5rem 0 4rem;
  position: relative; overflow: hidden;
  border-bottom: 1px solid var(--light-gray);
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: none;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero .breadcrumb {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.82rem; color: var(--mid-gray);
  margin-bottom: 1rem;
}
.page-hero .breadcrumb a { color: var(--mid-gray); transition: color var(--transition); }
.page-hero .breadcrumb a:hover { color: var(--white); }
.page-hero .breadcrumb i { font-size: 0.6rem; }
.page-hero h1 { color: var(--white); margin-bottom: 0.8rem; }
.page-hero .lead { color: var(--body-text); font-size: 1.1rem; max-width: 600px; }

/* ============================================
   PRODUCT DETAIL CARDS (Inner Pages)
   ============================================ */
.detail-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  overflow: hidden;
  transition: all var(--transition);
}
.detail-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.detail-card-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 1.5rem;
  display: flex; align-items: center; gap: 1rem;
}
.detail-card-header .dch-icon {
  width: 50px; height: 50px;
  background: rgba(255,255,255,0.15);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: rgba(255,255,255,0.8);
}
.detail-card-header h3 { color: var(--white); font-size: 1.1rem; }
.detail-card-header p  { color: rgba(255,255,255,0.7); font-size: 0.82rem; margin: 0; }
.detail-card-body { padding: 1.5rem; }
.feature-list li {
  display: flex; align-items: flex-start; gap: 0.7rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--off-white);
  font-size: 0.9rem;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list li i { color: var(--navy); margin-top: 0.15rem; flex-shrink: 0; }

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-item {
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.faq-question {
  display: flex; justify-content: space-between; align-items: center;
  padding: 1.1rem 1.4rem;
  cursor: pointer;
  background: var(--white);
  transition: background var(--transition);
  font-weight: 600; color: var(--navy); font-size: 0.95rem;
}
.faq-question:hover { background: rgba(201,168,76,0.08); }
.faq-question i { color: var(--navy); transition: transform var(--transition); flex-shrink: 0; }
.faq-item.open .faq-question { background: rgba(201,168,76,0.08); }
.faq-item.open .faq-question i { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  background: var(--white);
  font-size: 0.92rem; color: var(--body-text);
}
.faq-answer-inner { padding: 0 1.4rem 1.2rem; }
.faq-item.open .faq-answer { max-height: 400px; }

/* ============================================
   ABOUT PAGE
   ============================================ */
.leadership-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  overflow: hidden;
  transition: all var(--transition);
}
.leadership-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.lc-header {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-light) 100%);
  padding: 2rem; text-align: center;
}
.lc-avatar {
  width: 80px; height: 80px;
  background: rgba(10,31,68,0.1);
  border: 3px solid var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem;
  color: var(--navy);
  margin: 0 auto 1rem;
}
.lc-header h3 { color: var(--white); margin-bottom: 0.2rem; }
.lc-title { color: var(--navy); font-size: 0.85rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.lc-body { padding: 1.5rem; }
.lc-credentials {
  display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1rem;
}
.credential-badge {
  background: rgba(10,31,68,0.08);
  color: var(--navy);
  border: 1px solid rgba(10,31,68,0.15);
  border-radius: 20px;
  padding: 0.2rem 0.7rem;
  font-size: 0.75rem; font-weight: 600;
}

/* Stats row */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  max-width: 900px;
  margin: 0 auto;
  justify-content: center;
}
.stat-item {
  text-align: center;
  padding: 2rem 1rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
}
.stat-number {
  font-size: 2.4rem; font-weight: 800;
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  line-height: 1;
  margin-bottom: 0.3rem;
}
.stat-number span { color: var(--navy); }
.stat-label { color: var(--mid-gray); font-size: 0.85rem; }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 2.5rem;
  border: 1px solid var(--light-gray);
}
.form-group { margin-bottom: 1.2rem; }
.form-group label {
  display: block;
  font-size: 0.88rem; font-weight: 600;
  color: var(--dark-text);
  margin-bottom: 0.4rem;
}
.form-group label span { color: var(--red); }
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--light-gray);
  border-radius: var(--radius);
  font-size: 0.92rem;
  color: var(--dark-text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  font-family: inherit;
  outline: none;
}
.form-control:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,31,68,0.08);
}
.form-control::placeholder { color: var(--mid-gray); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { cursor: pointer; }
.radio-group { display: flex; gap: 1.5rem; flex-wrap: wrap; margin-top: 0.3rem; }
.radio-label {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.9rem; cursor: pointer; color: var(--body-text);
}
.radio-label input[type="radio"] { accent-color: var(--navy); width: 16px; height: 16px; }

.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--dark-text);
  border: 1px solid var(--light-gray);
}
.contact-info-card h3 { color: var(--navy); margin-bottom: 1.5rem; }
.contact-item {
  display: flex; align-items: flex-start; gap: 1rem;
  margin-bottom: 1.5rem;
}
.contact-item-icon {
  width: 42px; height: 42px;
  background: rgba(10,31,68,0.08);
  border: 1px solid rgba(10,31,68,0.15);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}
.contact-item-text strong { display: block; font-size: 0.82rem; color: var(--navy); letter-spacing: 0.05em; text-transform: uppercase; margin-bottom: 0.2rem; }
.contact-item-text a { color: var(--navy); font-size: 0.95rem; transition: color var(--transition); }
.contact-item-text a:hover { color: var(--navy-dark); }
.license-row {
  display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem;
}
.license-badge {
  background: rgba(10,31,68,0.08);
  border: 1px solid rgba(10,31,68,0.15);
  color: var(--navy);
  padding: 0.3rem 0.8rem;
  border-radius: 20px;
  font-size: 0.8rem; font-weight: 600;
}
.form-success {
  display: none;
  background: #d4edda;
  border: 1px solid #c3e6cb;
  color: #155724;
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  margin-bottom: 1rem;
  font-size: 0.92rem;
}

/* ============================================
   FOOTER
   ============================================ */
#site-footer {
  background: var(--white);
  color: var(--body-text);
  border-top: 2px solid var(--light-gray);
}
.footer-main { padding: 4rem 0 2rem; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 3rem;
}
.footer-brand .footer-logo { display: flex; align-items: center; gap: 0.8rem; margin-bottom: 1.2rem; }
.footer-brand .logo-icon {
  width: 48px; height: 48px;
  background: rgba(255,255,255,0.1);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.footer-brand .logo-name { color: var(--navy); font-size: 1rem; }
.footer-brand .logo-sub { color: var(--mid-gray); }
.footer-brand p { font-size: 0.87rem; line-height: 1.7; margin-bottom: 1rem;margin-left:30px; }
.footer-social { display: flex; gap: 0.8rem; }
.social-btn {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  transition: all var(--transition);
}
.social-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.footer-col h4 { color: var(--navy); font-size: 0.92rem; font-weight: 700; margin-bottom: 1.2rem; letter-spacing: 0.04em; }
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul li a { font-size: 0.85rem; color: var(--body-text); transition: color var(--transition); }
.footer-col ul li a:hover { color: rgb(92 134 215); }
.footer-contact-item { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 0.8rem; font-size: 0.85rem; }
.footer-contact-item i { color: var(--navy); width: 16px; }
.footer-contact-item a { color: var(--body-text); transition: color var(--transition); }
.footer-contact-item a:hover {  color: var(--navy); }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.08); margin: 0; }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 1rem;
  font-size: 0.8rem;
}
.footer-disclaimer {
  background: var(--off-white);
  border-top: 1px solid var(--light-gray);
  padding: 1rem 0;
  font-size: 0.78rem;
  color: var(--mid-gray);
  text-align: center;
}
.footer-license-badges { display: flex; gap: 0.5rem; flex-wrap: wrap;margin-left:30px; }
.footer-license-badge {
  background: rgba(10,31,68,0.08);
  border: 1px solid rgba(10,31,68,0.15);
  color: var(--navy);
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.04em;
}

/* ============================================
   MOBILE NAV OVERLAY
   ============================================ */
.mobile-nav {
  display: none;
  position: fixed; inset: 0;
  background: var(--white);
  z-index: 999;
  overflow-y: auto;
  padding: 5rem 1.5rem 2rem;
  flex-direction: column;
}
.mobile-nav.open { display: flex; }
.mobile-nav-item { border-bottom: 1px solid var(--light-gray); }
.mobile-nav-link {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1rem 0;
  font-weight: 600; color: var(--dark-text); font-size: 1rem;
}
.mobile-dropdown { display: none; padding-bottom: 0.5rem; }
.mobile-dropdown.open { display: block; }
.mobile-dropdown a {
  display: block; padding: 0.6rem 1rem;
  font-size: 0.9rem; color: var(--body-text);
  border-left: 2px solid var(--light-gray);
  margin-left: 0.5rem;
  transition: all var(--transition);
}
.mobile-dropdown a:hover { border-left-color: var(--navy); color: var(--navy); }
.mobile-nav-cta { margin-top: 1.5rem; display: flex; flex-direction: column; gap: 0.8rem; }

/* ============================================
   UTILITY CLASSES
   ============================================ */
.divider-line { height: 2px; background: linear-gradient(90deg, var(--navy) 0%, transparent 100%); width: 60px; margin: 0.8rem 0 1.5rem; }
.divider-line.center { margin: 0.8rem auto 1.5rem; }
.tag {
  display: inline-block;
  background: rgba(10,31,68,0.08);
  color: var(--navy);
  border: 1px solid rgba(10,31,68,0.15);
  border-radius: 20px;
  padding: 0.2rem 0.8rem;
  font-size: 0.78rem; font-weight: 600;
}
.highlight-box {
  background: linear-gradient(135deg, rgba(10,31,68,0.08) 0%, rgba(10,31,68,0.04) 100%);
  border: 1px solid rgba(10,31,68,0.15);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 1.2rem 1.5rem;
}
.alert-info {
  background: rgba(10,31,68,0.04);
  border: 1px solid rgba(10,31,68,0.1);
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  font-size: 0.88rem;
  color: var(--body-text);
}
.alert-info i { color: var(--navy); margin-right: 0.4rem; }

/* ============================================
   SCROLL TO TOP BUTTON
   ============================================ */
#scroll-top {
  position: fixed; bottom: 2rem; right: 2rem;
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden;
  transition: all var(--transition);
  z-index: 500;
}
#scroll-top.visible { opacity: 1; visibility: visible; }
#scroll-top:hover { background: var(--navy-dark); color: var(--white); transform: translateY(-3px); }

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .hero-content { grid-template-columns: 1fr; gap: 2rem; }
  .hero-visual { display: none; }
  .advisor-inner { grid-template-columns: 1fr; }
  .main-nav, .nav-cta { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .section-pad { padding: 60px 0; }
  .hero-section { min-height: auto; }
  .hero-content { padding: 3rem 0; }
  .hero-cta { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom { flex-direction: column; text-align: center; }
  .topbar-info { display: none; }
}
@media (max-width: 480px) {
  .container { padding: 0 1rem; }
  .btn { padding: 0.7rem 1.5rem; }
  .btn-lg { padding: 0.85rem 1.8rem; }
}

/* ============================================
   FORM VALIDATION STATES
   ============================================ */
.form-control.field-error {
  border-color: var(--red) !important;
  box-shadow: 0 0 0 3px rgba(178,34,52,0.1);
}
.form-control.field-error:focus {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(178,34,52,0.12);
}
.radio-label.field-error {
  color: var(--red);
}

/* Form success / error messages */
.form-success {
  display: none;
  align-items: center;
  gap: 0.8rem;
  background: #d4edda;
  border: 1px solid #b8dfc7;
  color: #155724;
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  margin-bottom: 1.2rem;
  font-size: 0.92rem;
  animation: fadeInDown 0.4s ease;
}
@keyframes fadeInDown {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ============================================
   ANIMATE ON SCROLL
   ============================================ */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.animate-on-scroll.animated {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   PAGE HERO (sub-pages)
   ============================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='4'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 0.8rem; }
.page-hero .lead {
  color: rgba(255,255,255,0.78);
  font-size: 1.08rem;
  max-width: 620px;
}
.breadcrumb {
  display: flex; align-items: center; gap: 0.4rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1rem;
}
.breadcrumb a { color: rgba(255,255,255,0.55); transition: color var(--transition); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb i { font-size: 0.65rem; }
.breadcrumb span { color: rgba(255,255,255,0.7); font-weight: 600; }

/* ============================================
   PRODUCT / FEATURE CARDS
   ============================================ */
.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--light-gray);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.feature-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: rgba(10,31,68,0.15);
}
.feature-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 1.2rem;
  box-shadow: 0 4px 12px rgba(10,31,68,0.15);
}

/* ============================================
   CTA BAND
   ============================================ */
.cta-band {
  background: var(--off-white);
  padding: 4rem 0;
  text-align: center;
  border: 1px solid var(--light-gray);
}
.cta-band h2 { color: var(--navy); margin-bottom: 0.8rem; }
.cta-band p  { color: var(--body-text); margin-bottom: 2rem; max-width: 580px; margin-left: auto; margin-right: auto; }
.cta-buttons { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ============================================
   FAQ
   ============================================ */
.faq-item {
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  margin-bottom: 0.7rem;
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: rgba(10,31,68,0.15); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.1rem 1.5rem;
  cursor: pointer;
  font-weight: 600; font-size: 0.97rem;
  color: var(--dark-text);
  background: var(--white);
  transition: background var(--transition);
  gap: 1rem;
}
.faq-question:hover { background: var(--off-white); }
.faq-item.open .faq-question { background: var(--off-white); color: var(--navy); }
.faq-question i { flex-shrink: 0; color: var(--navy); transition: transform var(--transition); }
.faq-item.open .faq-question i { transform: rotate(45deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease;
}
.faq-item.open .faq-answer { max-height: 500px; }
.faq-answer-inner {
  padding: 0 1.5rem 1.2rem;
  font-size: 0.93rem;
  color: var(--body-text);
  line-height: 1.75;
}

/* ============================================
   MODERN IMAGE PLACEHOLDERS
   ============================================ */
.image-placeholder {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--off-white) 0%, var(--light-gray) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 300px;
  animation: shimmer 2s infinite;
}
.image-placeholder-sm { min-height: 200px; }
.image-placeholder-md { min-height: 320px; }
.image-placeholder-lg { min-height: 400px; }
.image-placeholder-xl { min-height: 500px; }
.image-placeholder-full { min-height: 100%; }

.placeholder-content {
  text-align: center;
  z-index: 1;
  pointer-events: none;
}
.placeholder-icon {
  font-size: 3rem;
  color: rgba(10,31,68,0.15);
  margin-bottom: 0.8rem;
  display: flex;
  justify-content: center;
}
.placeholder-text {
  font-size: 0.9rem;
  color: rgba(10,31,68,0.3);
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

@keyframes shimmer {
  0% {
    background-position: -1000px 0;
    background-image: linear-gradient(90deg, var(--off-white) 0%, var(--light-gray) 50%, var(--off-white) 100%);
    background-size: 1000px 100%;
  }
  100% {
    background-position: 1000px 0;
    background-image: linear-gradient(90deg, var(--off-white) 0%, var(--light-gray) 50%, var(--off-white) 100%);
    background-size: 1000px 100%;
  }
}

/* Hero image placeholder */
.hero-image-placeholder {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 400px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(10,31,68,0.05) 0%, rgba(10,31,68,0.05) 100%);
  border: 2px dashed rgba(10,31,68,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.hero-image-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(10,31,68,0.08) 0%, transparent 70%);
}

/* Card image placeholder */
.card-image-placeholder {
  width: 100%;
  height: 240px;
  background: linear-gradient(135deg, var(--light-gray) 0%, var(--off-white) 100%);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.card-image-placeholder i {
  font-size: 2.5rem;
  color: rgba(10,31,68,0.1);
}

/* Badge image placeholder */
.badge-image-placeholder {
  width: 100%;
  height: 180px;
  background: linear-gradient(135deg, rgba(10,31,68,0.08) 0%, rgba(10,31,68,0.04) 100%);
  border: 1px solid rgba(10,31,68,0.15);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  font-size: 2rem;
}

/* ============================================
   MODERN GRADIENT BACKGROUNDS
   ============================================ */
.bg-gradient-navy {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
}
.bg-gradient-gold {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
}
.bg-gradient-light {
  background: linear-gradient(135deg, var(--off-white) 0%, rgba(232,236,242,0.5) 100%);
}

/* ============================================
   STATS & COUNTERS
   ============================================ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}
.stat-item {
  text-align: center;
  padding: 1.5rem;
}
.stat-number {
  font-size: 2.5rem;
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
.stat-number span:last-child {
  font-size: 1.5rem;
}
.stat-label {
  font-size: 0.9rem;
  color: var(--mid-gray);
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* ============================================
   PROCESS STEPS WITH MODERN DESIGN
   ============================================ */
.process-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.process-step {
  text-align: center;
  padding: 2.5rem 1.5rem;
  position: relative;
}
.process-step::after {
  content: '→';
  position: absolute;
  right: -1.2rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.6rem;
  color: rgba(10,31,68,0.2);
  opacity: 0.3;
  font-weight: 700;
}
.process-step:last-child::after { display: none; }

.step-number {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  margin: 0 auto 1rem;
  box-shadow: 0 6px 20px rgba(10,31,68,0.15);
  position: relative;
  z-index: 1;
}
.process-step h4 { color: var(--navy); margin-bottom: 0.6rem; }
.process-step p  { font-size: 0.88rem; color: var(--mid-gray); }

/* ============================================
   TIMELINE
   ============================================ */
.timeline-item {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  padding-bottom: 2rem;
  position: relative;
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: 22px;
  top: 48px;
  width: 2px;
  height: calc(100% - 28px);
  background: linear-gradient(180deg, rgba(10,31,68,0.2) 0%, transparent 100%);
}
.timeline-item:last-child::before { display: none; }

.timeline-dot {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border: 3px solid var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(10,31,68,0.15);
}
.timeline-content h4 { color: var(--navy); margin-bottom: 0.3rem; }
.timeline-content p  { font-size: 0.88rem; color: var(--body-text); }

/* ============================================
   MODERN CARD HOVER EFFECTS
   ============================================ */
.card-hover-lift {
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
.card-hover-lift:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(10,31,68,0.12);
}

.card-hover-glow {
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
}
.card-hover-glow:hover {
  box-shadow: 0 0 30px rgba(10,31,68,0.15);
}
.card-hover-glow:hover::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at center, rgba(10,31,68,0.08) 0%, transparent 70%);
  border-radius: inherit;
}

/* ============================================
   LOADING & SKELETON STATES
   ============================================ */
.skeleton {
  background: linear-gradient(
    90deg,
    var(--light-gray) 0%,
    var(--off-white) 50%,
    var(--light-gray) 100%
  );
  background-size: 200% 100%;
  animation: loading 1.5s infinite;
}

@keyframes loading {
  0% { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

.skeleton-text {
  height: 0.75rem;
  border-radius: 4px;
  margin-bottom: 0.5rem;
}
.skeleton-text:last-child { margin-bottom: 0; }

/* ============================================
   ICON ANIMATIONS
   ============================================ */
.icon-float {
  animation: float 3s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.icon-rotate {
  animation: rotation 20s linear infinite;
}

@keyframes rotation {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

/* ============================================
   PREMIUM SECTIONS
   ============================================ */
.premium-section {
  position: relative;
  background: linear-gradient(135deg, rgba(10,31,68,0.02) 0%, rgba(201,168,76,0.02) 100%);
  border: 1px solid rgba(201,168,76,0.1);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.premium-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 100% 0%, rgba(201,168,76,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.premium-badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  background: var(--navy);
  color: var(--white);
  padding: 0.35rem 0.9rem;
  border-radius: 50px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  z-index: 1;
}

/* ============================================
   ACCESSIBILITY & PRINT STYLES
   ============================================ */
@media print {
  #site-header,
  #site-footer,
  .nav-cta,
  .hamburger,
  #scroll-top,
  .cta-buttons { display: none; }
  body { background: white; }
  a { color: var(--navy); text-decoration: underline; }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

html,
body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

* {
  box-sizing: border-box;
}

@media (min-width: 1440px) {
  .container {
    max-width: 1280px;
    padding-left: 24px;
    padding-right: 24px;
  }
}

@media (min-width: 1600px) {
  .container {
    max-width: 1360px;
    padding-left: 32px;
    padding-right: 32px;
  }
}

@media (min-width: 1920px) {
  .container {
    max-width: 1440px;
  }
}

/* Fix sections causing overflow */
.hero-section,
.home-hero,
.trust-bar,
.section-pad,
.section-pad-sm,
.bg-navy,
.crossborder-banner {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

/* Fix hero on tablets / Nest Hub / small laptops */
@media (min-width: 992px) and (max-width: 1300px) {
  .container {
    width: calc(100% - 48px) !important;
    max-width: 1180px !important;
    padding-left: 0 !important;
    padding-right: 0 !important;
  }

  .hero-content {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) minmax(320px, 0.9fr);
    gap: 36px;
    width: 100%;
  }

  .hero-copy,
  .hero-visual {
    max-width: 100% !important;
    min-width: 0;
  }

  .hero-image-wrapper {
    max-width: 500px;
    width: 100%;
  }

  .hero-main-image {
    width: 100%;
    max-width: 100%;
  }
}

/* Fix mobile overflow */
@media (max-width: 991px) {
  .container {
    width: calc(100% - 28px) !important;
    max-width: 100% !important;
  }

  .hero-content,
  .grid-2,
  .grid-3,
  .grid-4,
  .stats-row,
  .advisor-inner,
  .crossborder-inner {
    max-width: 100%;
    overflow-x: hidden;
  }
}

.mobile-nav {
  padding: 12px 18px 24px;
}

.mobile-nav-item {
  border-bottom: 1px solid rgba(10, 31, 68, 0.08);
}

.mobile-nav-link {
  width: 100%;
  padding: 15px 0;
  color: var(--navy);
  font-weight: 700;
  text-decoration: none;
}

.submenu-toggle {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.mobile-submenu {
  display: none;
  padding: 0 0 12px 12px;
}

.mobile-nav-item.active .mobile-submenu {
  display: block;
}

.mobile-submenu a {
  display: block;
  padding: 9px 12px;
  margin-bottom: 4px;
  border-radius: 10px;
  color: rgba(10, 31, 68, 0.78);
  font-size: 14px;
  line-height: 1.35;
  text-decoration: none;
}

.mobile-submenu a:hover,
.mobile-submenu a.active {
  background: rgba(201, 168, 76, 0.16);
  color: var(--navy);
  font-weight: 700;
}

.mobile-nav-item.active .submenu-toggle i {
  transform: rotate(180deg);
}



.site-logo {
    display: flex;
    align-items: center;
    text-decoration: none;
}

.main-logo {
    height: 170px;   /* increased height */
    width: 280px;    /* increased width */
    display: block;
    object-fit: contain;
}

/* =========================
   MOBILE HEADER + LOGO FIX
========================= */

@media (max-width: 768px) {
    .header-main {
        padding: 10px 0 !important;
    }

    .header-main .container {
        min-height: 68px !important;
        display: flex;
        align-items: center;
        justify-content: space-between;
    }

    .site-logo {
        display: flex;
        align-items: center;
        max-width: 240px;
    }

    .main-logo {
        height: 58px !important;
        max-width: 240px !important;
        width: auto;
        display: block;
        object-fit: contain;
        image-rendering: -webkit-optimize-contrast;
        image-rendering: crisp-edges;
    }

    .hamburger {
        width: 40px;
        height: 40px;
        display: flex;
        align-items: center;
        justify-content: center;
    }

    .mobile-nav {
        top: 105px !important;
        max-height: calc(100vh - 105px) !important;
        overflow-y: auto !important;
        padding: 10px 18px 22px !important;
    }

    .mobile-nav-link {
        padding: 12px 0 !important;
        font-size: 15px !important;
    }

    .mobile-submenu a {
        padding: 8px 10px !important;
        font-size: 13.5px !important;
    }

    .mobile-nav-cta {
        margin-top: 14px !important;
    }

    .mobile-nav-cta .btn {
        padding: 12px 16px !important;
        min-height: auto !important;
    }
}

/* =========================
   SMALL MOBILE
========================= */

@media (max-width: 480px) {
    .main-logo {
        height: 52px !important;
        max-width: 200px !important;
    }

    .site-logo {
        max-width: 220px;
    }

    .mobile-nav {
        top: 98px !important;
        max-height: calc(100vh - 98px) !important;
    }
}
/* Footer logo fix — prevent stretching */

.footer-brand-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  max-width: 100%;
}

.footer-brand-image {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: flex-start;
}

.footer-brand-main-logo {
  width: 275px !important;   /* adjust as needed */
  max-width: 100%;
  height: auto !important;
  display: block;
  object-fit: contain;
}

.footer-brand-text-group {
  display: flex;
  flex-direction: column;
}

.footer-brand-name {
  font-size: 22px;
  font-weight: 700;
  line-height: 1.2;
  color: #fff;
}

.footer-brand-sub {
  font-size: 14px;
  font-weight: 500;
  color: #d4d4d4;
  letter-spacing: 0.5px;
}
/* Responsive logo + header fix */

.main-logo {
  width: 350px;
  max-width: 100%;
  height: auto;
  display: block;
  object-fit: contain;
}

/* Tablet */
@media (max-width: 1024px) {
  .main-logo {
    width: 230px;
  }

  .header-main .container {
    gap: 20px;
  }

  .nav-menu {
    gap: 20px;
  }
}

/* iPad / small tablet */
@media (max-width: 900px) {
  .main-logo {
    width: 200px;
  }

  .nav-menu {
    gap: 14px;
  }

  .nav-menu a {
    font-size: 14px;
  }

  .btn,
  .header-btn,
  .quote-btn {
    padding: 10px 18px;
    font-size: 14px;
  }
}

/* Mobile */
@media (max-width: 768px) {
  .header-top {
    font-size: 12px;
    padding: 6px 12px;
  }

  .header-main {
    padding: 10px 0;
  }

  .header-main .container {
    min-height: 70px;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }

  .main-logo {
    width: 180px;
    height: auto;
  }

  .nav-menu,
  .header-actions {
    display: none !important;
  }

  .hamburger {
    display: flex !important;
  }
}

/* Small mobile */
@media (max-width: 480px) {
  .main-logo {
    width: 155px;
  }

  .header-main .container {
    min-height: 62px;
  }

  .header-top {
    font-size: 11px;
  }
}

/* Extra small mobile */
@media (max-width: 360px) {
  .main-logo {
    width: 135px;
  }
}
/* Hide hamburger by default */
.hamburger {
  display: none;
}
/* FORCE SHOW HAMBURGER ON TABLET/MOBILE */
/* Tablet & Mobile Header Fix */
@media (max-width: 1100px) {

  /* Layout */
  .header-main .container {
    display: flex !important;
    align-items: center !important;
    justify-content: space-between !important;
    padding: 0 20px !important;
  }

  /* Logo */
  .main-logo {
    width: 180px !important;
    height: auto !important;
  }

  /* Hide desktop nav */
  .main-nav,
  .nav-cta {
    display: none !important;
  }

  /* SHOW hamburger */
  .hamburger {
    display: flex !important;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    width: 44px;
    height: 44px;
    background: #fff;
    border: 2px solid #071223;
    border-radius: 6px;
    cursor: pointer;
  }

  .hamburger span {
    width: 22px;
    height: 2px;
    background: #071223;
    margin: 3px 0;
    display: block;
  }
}


/* BACKDROP */
.travel-policy-popup {
    position: fixed;
    inset: 0;
    background: rgba(10, 20, 40, 0.65);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;

    opacity: 0;
    visibility: hidden;
    transition: all 0.4s ease;
}

/* ACTIVE STATE */
.travel-policy-popup.active {
    opacity: 1;
    visibility: visible;
}

/* POPUP BOX */
.travel-policy-box {
    position: relative;
    background: #ffffff;
    width: 90%;
    max-width: 480px;
    padding: 40px 35px;
    border-radius: 22px;
    text-align: center;
    box-shadow: 0 20px 60px rgba(0,0,0,0.18);

    transform: translateY(40px) scale(0.92);
    opacity: 0;
    transition: all 0.45s ease;
}

/* POPUP ANIMATION */
.travel-policy-popup.active .travel-policy-box {
    transform: translateY(0) scale(1);
    opacity: 1;
}

/* CLOSE BUTTON */
.travel-policy-close {
    position: absolute;
    top: 14px;
    right: 16px;
    background: transparent;
    border: none;
    font-size: 30px;
    cursor: pointer;
    color: #1d3557;
    line-height: 1;
}

/* HEADING */
.travel-policy-box h3 {
    font-size: 30px;
    font-weight: 700;
    color: #0f2d5c;
    margin-bottom: 18px;
}

/* TEXT */
.travel-policy-box p {
    font-size: 16px;
    line-height: 1.7;
    color: #555;
    margin-bottom: 28px;
}

/* BUTTON */
.travel-policy-btn {
    display: inline-block;
    background: linear-gradient(135deg, #0f2d5c, #1e4b8f);
    color: #fff;
    text-decoration: none;
    padding: 14px 28px;
    border-radius: 12px;
    font-weight: 600;
    transition: 0.3s ease;
}

.travel-policy-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(15,45,92,0.2);
}

@media (max-width: 1100px) {
  #site-header .hamburger {
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 5px !important;
    width: 44px !important;
    height: 44px !important;
    border: 2px solid var(--navy) !important;
    border-radius: 8px !important;
    background: #ffffff !important;
    padding: 0 !important;
  }

  #site-header .hamburger span {
    display: block !important;
    width: 24px !important;
    height: 3px !important;
    min-height: 3px !important;
    background: var(--navy) !important;
    border-radius: 20px !important;
    opacity: 1 !important;
    visibility: visible !important;
    margin: 0 !important;
  }
}


/* Nest Hub Max (1280px) → show hamburger instead of full menu */
@media (max-width: 1280px) {

  /* Hide desktop navigation */
  .main-nav,
  .nav-cta {
    display: none !important;
  }

  /* Show hamburger */
  #site-header .hamburger {
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 5px !important;
    width: 46px !important;
    height: 46px !important;
    min-width: 46px !important;
    background: #ffffff !important;
    border: 2px solid var(--navy) !important;
    border-radius: 8px !important;
    padding: 0 !important;
    cursor: pointer !important;
    z-index: 99999 !important;
  }

  /* Hamburger lines */
  #site-header .hamburger span {
    display: block !important;
    width: 24px !important;
    height: 3px !important;
    background: var(--navy) !important;
    border-radius: 20px !important;
    margin: 0 !important;
    opacity: 1 !important;
    visibility: visible !important;
  }

  /* Header layout */
  .header-main .container {
    display: flex !important;
    align-items: center !important;
    justify-content: space-between !important;
    gap: 20px !important;
    padding: 0 24px !important;
  }

  .main-logo {
    width: 210px !important;
    height: auto !important;
  }
}

/* Standard Laptop (1366px) Header Fix */
@media (min-width: 1281px) and (max-width: 1400px) {

  .header-main .container {
    max-width: 100% !important;
    width: 100% !important;
    padding: 0 30px !important;

    display: flex !important;
    align-items: center !important;
    justify-content: space-between !important;
    gap: 18px !important;
  }

  /* Logo smaller */
  .main-logo {
    width: 210px !important;
    height: auto !important;
  }

  /* Navigation spacing tighter */
  .main-nav {
    display: flex !important;
    align-items: center !important;
    gap: 0 !important;
    flex: 1 !important;
    justify-content: center !important;
  }

  .nav-link {
    padding: 0.6rem 0.65rem !important;
    font-size: 14px !important;
    white-space: nowrap !important;
  }

  /* CTA buttons */
  .nav-cta {
    display: flex !important;
    align-items: center !important;
    gap: 10px !important;
    margin-left: 0 !important;
    flex-shrink: 0 !important;
  }

  .nav-cta .btn,
  .schedule-btn,
  .quote-btn {
    padding: 10px 18px !important;
    font-size: 13px !important;
    white-space: nowrap !important;
  }
}

/* ============================================
   STATS SECTION CENTER ALIGN FIX
============================================ */

#stats-section .stats-row {
    display: flex;
    justify-content: center;   /* centers boxes horizontally */
    align-items: center;
    gap: 30px;
    flex-wrap: wrap;
    margin: 0 auto;
    text-align: center;
}

#stats-section .stat-item {
    min-width: 260px;
    max-width: 280px;
    background: #fff;
    border: 1px solid #dfe3ea;
    border-radius: 18px;
    padding: 35px 25px;
    box-shadow: 0 4px 14px rgba(0,0,0,0.04);
}

/* Better tablet responsiveness */
@media (max-width: 991px) {
    #stats-section .stats-row {
        gap: 20px;
    }

    #stats-section .stat-item {
        min-width: 220px;
    }
}

/* Mobile full center */
@media (max-width: 768px) {
    #stats-section .stats-row {
        flex-direction: column;
        justify-content: center;
        align-items: center;
    }

    #stats-section .stat-item {
        width: 100%;
        max-width: 350px;
    }
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.footer-contact-item i {
  margin-top: 4px; /* aligns icon with first text line */
}

.no-break {
  white-space: nowrap;
}

/* =========================
   EXTRA LARGE DEVICES
   (1600px, 1920px, 2K, 4K Screens)
========================= */

@media (min-width: 1600px) {
  .container {
    max-width: 1320px;
    padding-left: 32px;
    padding-right: 32px;
  }
}

@media (min-width: 1920px) {
  .container {
    max-width: 1440px;
    padding-left: 40px;
    padding-right: 40px;
  }
}

@media (min-width: 2400px) {
  .container {
    max-width: 1600px;
    padding-left: 48px;
    padding-right: 48px;
  }
}

html, body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  margin: 0 auto;
}

section,
footer {
  width: 100%;
  max-width: 100%;
  overflow: hidden;
}

/* IMPORTANT: header must allow dropdowns */
header {
  width: 100%;
  max-width: 100%;
  overflow: visible; /* ✅ allow dropdown */
}
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
  box-sizing: border-box;
}

@media (min-width: 1440px) {
  .container {
    max-width: 1240px;
  }
}

@media (min-width: 1600px) {
  .container {
    max-width: 1320px;
  }
}

@media (min-width: 1920px) {
  .container {
    max-width: 1400px;
  }
}

@media (min-width: 2200px) {
  .container {
    max-width: 1500px;
  }
}

html, body {
  max-width: 100%;
  overflow-x: hidden;
}

* {
  box-sizing: border-box;
}

img {
  max-width: 100%;
  height: auto;
}


/* =====================================================
   GLOBAL FIXES
===================================================== */

/* Prevent horizontal scroll issues */
body {
  overflow-x: hidden;
}


/* =====================================================
   CONSISTENT LAYOUT SYSTEM (IMPORTANT)
===================================================== */

/* This controls alignment across entire website */
:root {
  --container-padding: 10px;
  --container-padding-lg: 100px;
  --container-padding-mobile: 16px;
}


/* =====================================================
   HEADER (FULL WIDTH + ALIGNED)
===================================================== */

#site-header .container {
  max-width: 100%;
  width: 100%;
  padding-left: var(--container-padding);
  padding-right: var(--container-padding);
}

/* Topbar layout */
.header-topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* Main navbar layout */
.header-main .container {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
}

/* Center navigation */
.main-nav {
  justify-self: center;
}


/* =====================================================
   CONTACT SECTION (MATCHES HEADER PERFECTLY)
===================================================== */

#contact-main .container {
  max-width: 100%;
  width: 100%;
  padding-left: var(--container-padding);
  padding-right: var(--container-padding);
}

/* Grid layout */
.contact-page-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 2rem;
  width: 100%;
}

/* Prevent weird stretching */
.contact-form-card,
.contact-info-card {
  width: 100%;
  max-width: 100%;
}


/* =====================================================
   LARGE SCREENS (16"+ PERFECT ALIGNMENT)
===================================================== */

@media (min-width: 1600px) {

  #site-header .container,
  #contact-main .container {
    padding-left: var(--container-padding);
    padding-right: var(--container-padding);
  }

  .contact-page-grid {
    grid-template-columns: 1.6fr 1fr;
  }
}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 992px) {

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

  .main-nav {
    display: none; /* hamburger assumed */
  }
}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 768px) {

  #site-header .container,
  #contact-main .container {
    padding-left: var(--container-padding-mobile);
    padding-right: var(--container-padding-mobile);
  }
}

/* =========================================
   FOOTER FULL WIDTH (LIKE HEADER)
========================================= */

footer .container {
  max-width: 100%;
  width: 100%;
  padding-left: 10px;
  padding-right: 10px;
}

/* Inner footer alignment */
.footer-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}

/* Prevent content sticking to edges */
footer {
  width: 100%;
}