/* ============================================
   National-General — Insurance Advisors
   Palette: Deep Indigo Navy #16213E | Warm Amber #C98A3E
            Slate Mist #7A8AA0 | Cream #F7F5F0 | Ember #B5482E
============================================ */

:root {
  --navy: #16213E;
  --navy-deep: #0D1526;
  --amber: #C98A3E;
  --amber-light: #E0AC66;
  --slate: #7A8AA0;
  --cream: #F7F5F0;
  --white: #FFFFFF;
  --ember: #B5482E;
  --ink: #1C2333;
  --border: #E3DFD5;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --radius: 4px;
  --shadow: 0 4px 20px rgba(13, 21, 38, 0.08);
  --shadow-lg: 0 12px 40px rgba(13, 21, 38, 0.16);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 32px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--navy-deep);
  line-height: 1.15;
}

/* ============ HEADER ============ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.header-top {
  background: var(--navy-deep);
  color: var(--cream);
  font-size: 0.78rem;
}

.header-top .container {
  display: flex;
  justify-content: flex-end;
  gap: 28px;
  padding-top: 8px;
  padding-bottom: 8px;
}

.header-top a {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--cream);
  opacity: 0.85;
  transition: opacity 0.2s;
}
.header-top a:hover { opacity: 1; color: var(--amber-light); }

.header-main {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 32px;
}

.logo {
  display: flex;
  align-items: center;
}
.logo img {
  height: 64px;
  width: auto;
  display: block;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 34px;
}

.main-nav > ul {
  display: flex;
  gap: 30px;
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
}

.main-nav a.nav-link {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ink);
  padding: 10px 0;
  border-bottom: 2px solid transparent;
  transition: border-color 0.2s, color 0.2s;
}
.main-nav a.nav-link:hover,
.main-nav a.nav-link.active {
  color: var(--navy);
  border-bottom-color: var(--amber);
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  font-weight: 700;
  font-size: 0.88rem;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.2s;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
}
.btn-primary:hover { background: var(--navy-deep); transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-accent {
  background: var(--ember);
  color: var(--white);
}
.btn-accent:hover { background: #973a24; transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--navy);
  color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

.header-ctas { display: flex; gap: 12px; }

/* ============ HERO ============ */
.hero {
  position: relative;
  background: var(--cream);
  overflow: hidden;
}

.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  padding-top: 64px;
  padding-bottom: 64px;
  min-height: 460px;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--ember);
  margin-bottom: 14px;
}

.hero h1 {
  font-size: 2.9rem;
  margin-bottom: 18px;
}

.hero p {
  font-size: 1.08rem;
  color: #4A4F5C;
  max-width: 480px;
  margin-bottom: 30px;
}

.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-image {
  position: relative;
  border-radius: 6px;
  overflow: hidden;
  aspect-ratio: 4/3.2;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
}

.hero-image::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 75% 25%, rgba(201,138,62,0.35), transparent 55%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
}

.hero-image img,
.feature-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  position: relative;
  z-index: 1;
}

.hero-image-label {
  position: absolute;
  bottom: 24px;
  left: 24px;
  color: var(--cream);
  font-family: var(--font-display);
  font-size: 1.1rem;
  opacity: 0.9;
  z-index: 2;
}

/* ============ SECTION HEADERS ============ */
.section {
  padding: 84px 0;
}
.section-alt { background: var(--cream); }

.section-header {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 52px;
}
.section-header h2 { font-size: 2.1rem; margin-bottom: 12px; }
.section-header p { color: #5C6270; font-size: 1.02rem; }

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

.coverage-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 32px 28px;
  transition: box-shadow 0.25s, transform 0.25s;
}
.coverage-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }

.coverage-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(201,138,62,0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--amber);
}
.coverage-icon svg { width: 26px; height: 26px; }

.coverage-card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.coverage-card p { color: #5C6270; font-size: 0.92rem; margin-bottom: 16px; }

.coverage-links { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 14px; }
.coverage-links a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  border-bottom: 1px solid transparent;
}
.coverage-links a:hover { color: var(--ember); border-bottom-color: var(--ember); }

/* ============ FEATURE SPLIT ROWS ============ */
.feature-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 70px 0;
}
.feature-row.reverse .feature-media { order: 2; }
.feature-row.reverse .feature-text { order: 1; }

.feature-media {
  aspect-ratio: 4/3;
  border-radius: 6px;
  background: linear-gradient(135deg, var(--slate) 0%, var(--navy) 100%);
  position: relative;
  overflow: hidden;
}
.feature-media.alt-tone { background: linear-gradient(135deg, var(--amber-light) 0%, var(--ember) 100%); }

.feature-text .kicker {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--amber);
  display: block;
  margin-bottom: 10px;
}
.feature-text h2 { font-size: 1.9rem; margin-bottom: 8px; }
.feature-text h4 { font-size: 1.05rem; font-weight: 600; color: var(--ink); margin-bottom: 14px; }
.feature-text p { color: #5C6270; margin-bottom: 26px; max-width: 460px; }

/* ============ WHY CHOOSE BANNER ============ */
.why-band {
  background: var(--navy);
  color: var(--cream);
  padding: 80px 0;
}
.why-band .section-header h2 { color: var(--white); }
.why-band .section-header p { color: rgba(247,245,240,0.72); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 30px;
}
.why-item { text-align: center; }
.why-icon {
  width: 60px;
  height: 60px;
  margin: 0 auto 18px;
  border-radius: 50%;
  border: 1.5px solid rgba(224,172,102,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--amber-light);
}
.why-icon svg { width: 28px; height: 28px; }
.why-item h4 { color: var(--white); font-size: 1rem; margin-bottom: 8px; }
.why-item p { font-size: 0.85rem; color: rgba(247,245,240,0.65); }

/* ============ FOOTER ============ */
.site-footer {
  background: var(--navy-deep);
  color: rgba(247,245,240,0.7);
  padding: 64px 0 28px;
  font-size: 0.88rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr 1.2fr;
  gap: 36px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(247,245,240,0.12);
}
.footer-logo {
  display: inline-flex;
  background: var(--white);
  border-radius: 12px;
  padding: 8px 16px;
  margin-bottom: 14px;
}
.footer-logo img {
  height: 48px;
  width: auto;
  display: block;
}
.footer-col h5 {
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col a:hover { color: var(--amber-light); }

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.footer-contact-icon {
  width: 18px; height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--amber-light);
}
.footer-contact-icon svg { width: 100%; height: 100%; }
.footer-social { display: flex; gap: 12px; margin-top: 16px; }
.footer-social a {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(247,245,240,0.1);
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s;
}
.footer-social a:hover { background: var(--amber); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  font-size: 0.8rem;
}
.footer-bottom nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom nav a:hover { color: var(--amber-light); }

.footer-disclosure {
  font-size: 0.76rem;
  color: rgba(247,245,240,0.45);
  max-width: 900px;
  margin: 24px auto 0;
  line-height: 1.7;
}

/* ============ POPUP MODAL (carrier-style) ============ */
.cta-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13,21,38,0.65);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  padding: 20px;
}
.cta-modal-overlay.active { display: flex; }

.cta-modal {
  background: var(--white);
  border-radius: 16px;
  max-width: 400px;
  width: 100%;
  overflow: hidden;
  position: relative;
  box-shadow: var(--shadow-lg);
  text-align: center;
  animation: modalIn 0.3s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(16px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.cta-modal-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 32px; height: 32px;
  border: none;
  background: rgba(255,255,255,0.2);
  border-radius: 50%;
  cursor: pointer;
  font-size: 1.2rem;
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  z-index: 2;
  line-height: 1;
}
.cta-modal-close:hover { background: rgba(255,255,255,0.32); }

.modal-top {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  padding: 32px 28px 36px;
}

.modal-carrier-badge {
  background: var(--white);
  border-radius: 16px;
  display: inline-flex;
  align-items: center;
  padding: 10px 18px;
  margin-bottom: 26px;
  box-shadow: 0 4px 14px rgba(0,0,0,0.15);
}
.modal-carrier-badge img {
  height: 56px;
  width: auto;
  display: block;
}

.modal-phone-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.35);
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
  color: var(--white);
}
.modal-phone-icon svg { width: 28px; height: 28px; }

.modal-top h3 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 8px;
}
.modal-top .modal-sub {
  color: rgba(247,245,240,0.8);
  font-size: 0.92rem;
}

.modal-bottom {
  padding: 28px 28px 30px;
}

.modal-checklist {
  text-align: left;
  margin-bottom: 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.modal-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ink);
}
.modal-checklist .check-icon {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(201,138,62,0.15);
  color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.modal-checklist .check-icon svg { width: 12px; height: 12px; }

.modal-call-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px;
  background: var(--navy);
  color: var(--white);
  border-radius: 10px;
  font-weight: 700;
  font-size: 1.02rem;
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}
.modal-call-btn:hover { background: var(--navy-deep); }
.modal-call-btn svg { width: 18px; height: 18px; }

.modal-hours {
  margin-top: 14px;
  font-size: 0.8rem;
  color: var(--slate);
}

/* ============ GENERIC PAGE / LEGAL CONTENT ============ */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 64px 0 48px;
}
.page-hero h1 { color: var(--white); font-size: 2.3rem; margin-bottom: 10px; }
.page-hero p { color: rgba(247,245,240,0.75); max-width: 600px; }

.content-block {
  max-width: 820px;
  margin: 0 auto;
  padding: 64px 32px;
}
.content-block h2 { font-size: 1.4rem; margin: 32px 0 14px; }
.content-block h2:first-child { margin-top: 0; }
.content-block p { color: #444B58; margin-bottom: 16px; }
.content-block ul { margin: 0 0 16px 22px; list-style: disc; color: #444B58; }
.content-block ul li { margin-bottom: 8px; }
.content-block .updated { color: var(--slate); font-size: 0.85rem; margin-bottom: 40px; }

/* FAQ accordion */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 22px 4px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--navy-deep);
}
.faq-question .icon { color: var(--amber); font-size: 1.3rem; transition: transform 0.2s; flex-shrink: 0; margin-left: 16px; }
.faq-item.open .faq-question .icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  color: #5C6270;
  font-size: 0.95rem;
}
.faq-item.open .faq-answer { max-height: 400px; padding-bottom: 22px; }

/* Contact form */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  max-width: 1000px;
  margin: 0 auto;
  padding: 64px 32px;
}
.contact-form { display: flex; flex-direction: column; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-form label { font-size: 0.85rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; display: block; }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.92rem;
}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  outline: none;
  border-color: var(--navy);
}
.contact-info h3 { font-size: 1.15rem; margin: 26px 0 10px; }
.contact-info h3:first-child { margin-top: 0; }
.contact-info p { color: #5C6270; margin-bottom: 4px; }

/* ============ RESPONSIVE ============ */
@media (max-width: 900px) {
  .main-nav > ul { display: none; }
  .hero .container { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
  .feature-row, .feature-row.reverse { grid-template-columns: 1fr; }
  .feature-row.reverse .feature-media, .feature-row.reverse .feature-text { order: unset; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .header-top .container { justify-content: center; gap: 16px; font-size: 0.7rem; flex-wrap: wrap; }
}

/* ============ CAPTCHA GATE ============ */
.captcha-gate {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
}
html.gate-locked body { overflow: hidden; }
html.gate-locked .captcha-gate { display: flex; }
.captcha-gate-box {
  background: var(--white);
  border-radius: 16px;
  padding: 40px 36px;
  max-width: 380px;
  width: 100%;
  text-align: center;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35);
}
.captcha-gate-logo { height: 56px; width: auto; margin: 0 auto 20px; display: block; }
.captcha-gate-box h2 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--navy-deep);
  margin-bottom: 8px;
}
.captcha-gate-box p {
  color: var(--slate);
  font-size: 0.9rem;
  margin-bottom: 22px;
}
.captcha-gate-box .g-recaptcha {
  display: flex;
  justify-content: center;
  margin-bottom: 22px;
  transform: scale(0.95);
  transform-origin: center;
}
.captcha-gate-btn {
  width: 100%;
  justify-content: center;
  border: none;
  cursor: pointer;
}
.captcha-gate-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}