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

:root {
  --primary: #2a60cc;
  --primary-dark: #1d4aa0;
  --text: #333;
  --text-light: #555;
  --border: #ddd;
  --footer-bg: #323437;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Roboto', sans-serif;
  font-weight: 400;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--primary-dark); }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ── NAVBAR ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.15);
  height: 60px;
}
.navbar-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.navbar-brand img { height: 44px; width: auto; }

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-menu > li { position: relative; }
.nav-menu > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #555;
  border-radius: 3px;
  transition: color 0.2s;
  white-space: nowrap;
}
.nav-menu > li > a:hover,
.nav-menu > li > a.active { color: var(--primary); }

.caret {
  display: inline-block;
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  margin-top: 1px;
}

/* Dropdown */
.dropdown-menu {
  position: absolute;
  top: 100%; left: 0;
  min-width: 220px;
  background: #fff;
  border: 1px solid #e0e0e0;
  border-radius: 3px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.2s, transform 0.2s, visibility 0.2s;
  pointer-events: none;
}
.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}
.dropdown-menu li a {
  display: block;
  padding: 10px 18px;
  font-size: 13px;
  color: #444;
  transition: background 0.15s, color 0.15s;
}
.dropdown-menu li a:hover,
.dropdown-menu li a.active {
  background: #f5f5f5;
  color: var(--primary);
}

/* Mobile toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 6px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #555;
  border-radius: 2px;
  transition: all 0.3s;
}

/* ── BUTTONS ── */
.btn-primary {
  display: inline-block;
  background: var(--primary);
  color: #fff !important;
  padding: 15px 33px;
  border-radius: 3px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: none;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(42,96,204,0.35);
  transition: background 0.2s, box-shadow 0.2s;
}
.btn-primary:hover {
  background: var(--primary-dark);
  box-shadow: 0 6px 20px rgba(42,96,204,0.4);
}

/* ── MAIN OFFSET ── */
main { padding-top: 60px; }

/* ── HERO ── */
.hero {
  position: relative;
  min-height: 590px;
  display: flex;
  align-items: center;
  background-image: url('images/hero-house.jpg');
  background-size: cover;
  background-position: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.45);
}
.hero-content {
  position: relative;
  z-index: 1;
  padding: 80px 20px;
  max-width: 580px;
  margin-left: max(20px, calc(50% - 550px));
}
.hero h1 {
  font-family: 'Roboto Slab', serif;
  font-size: 46px;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 16px;
  text-shadow: 0 1px 4px rgba(0,0,0,0.3);
}
.hero .sub-title {
  display: block;
  font-size: 18px;
  font-weight: 300;
  color: rgba(255,255,255,0.9);
  margin-bottom: 32px;
}

/* ── SECTIONS ── */
.section {
  padding: 70px 20px;
  max-width: 1140px;
  margin: 0 auto;
}
.section-title {
  font-family: 'Roboto Slab', serif;
  font-size: 32px;
  font-weight: 400;
  text-align: center;
  margin-bottom: 14px;
  color: var(--text);
}
.section-title-line {
  width: 60px;
  height: 3px;
  background: var(--primary);
  margin: 0 auto 28px;
  border-radius: 2px;
}
.section-subtitle {
  text-align: center;
  font-size: 16px;
  color: var(--text-light);
  margin-bottom: 48px;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

/* Why Choose */
.why-section { background: #fff; }

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 8px;
}
.feature-card { text-align: center; padding: 24px 16px; }
.feature-icon {
  width: 70px; height: 70px;
  margin: 0 auto 20px;
  border-radius: 50%;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(42,96,204,0.3);
}
.feature-icon svg { fill: #fff; width: 32px; height: 32px; }
.feature-card h3 {
  font-family: 'Roboto Slab', serif;
  font-size: 18px;
  margin-bottom: 10px;
}
.feature-card p { font-size: 14px; color: var(--text-light); line-height: 1.7; }

/* Insurance cards */
.insurance-cards-bg {
  background-image: url('images/cards-bg.jpg');
  background-size: cover;
  background-position: center;
  padding: 80px 20px;
}
.insurance-cards-wrapper { max-width: 1140px; margin: 0 auto; }
.insurance-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.insurance-card {
  background: rgba(255,255,255,0.96);
  border-radius: 4px;
  padding: 32px 24px;
  text-align: center;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
  transition: transform 0.2s, box-shadow 0.2s;
}
.insurance-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(0,0,0,0.2);
}
.insurance-card h3 {
  font-family: 'Roboto Slab', serif;
  font-size: 20px;
  margin-bottom: 12px;
}
.insurance-card p { font-size: 14px; color: var(--text-light); margin-bottom: 20px; }
.card-section-title {
  font-family: 'Roboto Slab', serif;
  font-size: 32px;
  font-weight: 400;
  text-align: center;
  color: #fff;
  margin-bottom: 8px;
  text-shadow: 0 1px 4px rgba(0,0,0,0.4);
}
.card-section-sub {
  text-align: center;
  color: rgba(255,255,255,0.9);
  font-size: 16px;
  margin-bottom: 48px;
}

/* ── PAGE BANNER ── */
.page-banner {
  width: 100%;
  height: 220px;
  object-fit: cover;
  display: block;
}

/* ── PAGE CONTENT ── */
.page-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 50px 20px 70px;
}
.page-content h1 {
  font-family: 'Roboto Slab', serif;
  font-size: 38px;
  font-weight: 400;
  text-align: center;
  margin-bottom: 16px;
}
.page-content hr {
  border: none;
  border-top: 2px solid #e0e0e0;
  margin: 0 auto 32px;
  width: 200px;
}
.page-content p {
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.8;
  margin-bottom: 18px;
  text-align: center;
}
.page-content p.italic { font-style: italic; font-size: 17px; color: #444; }
.page-content h2 {
  font-family: 'Roboto Slab', serif;
  font-size: 22px;
  font-weight: 700;
  text-align: center;
  margin: 28px 0 12px;
}
.page-content ul {
  list-style: disc;
  padding-left: 28px;
  margin: 0 auto 24px;
  max-width: 620px;
  text-align: left;
}
.page-content ul li {
  font-size: 14px;
  color: var(--text-light);
  margin-bottom: 7px;
  line-height: 1.6;
}
.page-content .btn-primary { display: block; width: fit-content; margin: 24px auto; }

/* Accordion */
.accordion {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  overflow: hidden;
  margin: 24px auto;
  max-width: 620px;
}
.accordion-header {
  width: 100%;
  background: #f8f9fa;
  border: none;
  padding: 14px 20px;
  text-align: left;
  font-size: 15px;
  font-weight: 500;
  color: var(--text);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: background 0.2s;
  font-family: inherit;
}
.accordion-header:hover { background: #eef2fb; }
.acc-icon { font-size: 20px; color: var(--primary); transition: transform 0.25s; line-height: 1; }
.accordion-header.open .acc-icon { transform: rotate(45deg); }
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s;
  padding: 0 20px;
  background: #fff;
}
.accordion-body.open { max-height: 600px; padding: 16px 20px; }
.accordion-body ul { list-style: disc; padding-left: 20px; }
.accordion-body ul li { font-size: 14px; color: var(--text-light); margin-bottom: 7px; }

/* ── GET A QUOTE BUTTONS ── */
.quote-buttons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  max-width: 500px;
  margin: 32px auto;
}
.quote-btn {
  display: block;
  background: var(--primary);
  color: #fff;
  border: none;
  padding: 17px 24px;
  border-radius: 3px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(42,96,204,0.3);
  transition: background 0.2s, box-shadow 0.2s;
  text-align: center;
  letter-spacing: 0.02em;
  font-family: inherit;
}
.quote-btn:hover {
  background: var(--primary-dark);
  color: #fff;
  box-shadow: 0 6px 18px rgba(42,96,204,0.4);
}

/* ── FORMS ── */
.form-section {
  max-width: 620px;
  margin: 0 auto;
  padding: 50px 20px 70px;
}
.form-section h1 {
  font-family: 'Roboto Slab', serif;
  font-size: 36px;
  font-weight: 400;
  text-align: center;
  margin-bottom: 14px;
}
.form-section hr {
  border: none;
  border-top: 2px solid #e0e0e0;
  width: 160px;
  margin: 0 auto 24px;
}
.form-section > p {
  text-align: center;
  font-size: 15px;
  color: var(--text-light);
  margin-bottom: 36px;
  line-height: 1.7;
}
.form-group {
  margin-bottom: 28px;
  border-bottom: 1px solid #d2d2d2;
}
.form-group label {
  display: block;
  font-size: 12px;
  color: #888;
  margin-bottom: 3px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  border: none;
  outline: none;
  padding: 6px 0;
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: transparent;
  resize: vertical;
}
.form-group textarea { min-height: 100px; }
.form-group:focus-within { border-bottom-color: var(--primary); border-bottom-width: 2px; }
.form-section-heading {
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  margin: 32px 0 16px;
  padding-bottom: 8px;
  border-bottom: 1px solid #e8e8e8;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.submit-row { text-align: right; margin-top: 28px; }
.submit-row button {
  background: var(--primary);
  color: #fff;
  border: none;
  padding: 15px 33px;
  border-radius: 3px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  font-family: inherit;
  box-shadow: 0 2px 6px rgba(42,96,204,0.35);
  transition: background 0.2s;
}
.submit-row button:hover { background: var(--primary-dark); }

/* ── CONTACT PAGE ── */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 52px;
  max-width: 860px;
  margin: 0 auto 70px;
  padding: 0 20px;
  align-items: start;
}
.contact-layout > div:first-child p {
  font-size: 15px;
  color: var(--text-light);
  margin-bottom: 28px;
  line-height: 1.7;
  text-align: left;
}
.contact-info { text-align: center; }
.contact-info img { margin: 0 auto 22px; max-width: 200px; }
.contact-info h3 {
  font-family: 'Roboto Slab', serif;
  font-size: 20px;
  margin-bottom: 12px;
}
.contact-info p { font-size: 14px; color: var(--text-light); line-height: 1.8; text-align: center; }

/* ── FOOTER ── */
.footer {
  background: var(--footer-bg);
  color: #fff;
  text-align: center;
  padding: 24px 20px;
  font-size: 13px;
}
.footer a { color: #aaa; }
.footer a:hover { color: #fff; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .insurance-cards-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
}
@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-menu {
    position: fixed;
    top: 60px; left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 0 16px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
    display: none;
    max-height: calc(100vh - 60px);
    overflow-y: auto;
  }
  .nav-menu.open { display: flex; }
  .nav-menu > li > a { padding: 12px 20px; font-size: 14px; }
  .dropdown-menu {
    position: static;
    opacity: 1 !important;
    visibility: visible !important;
    transform: none !important;
    box-shadow: none;
    border: none;
    background: #f8f9fa;
    display: none;
    pointer-events: auto;
  }
  .has-dropdown.open .dropdown-menu { display: block; }
  .features-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 30px; }
  .hero-content { padding: 60px 20px; }
  .contact-layout { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .quote-buttons { grid-template-columns: 1fr; max-width: 280px; }
  .page-content h1 { font-size: 28px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 26px; }
}