/* ============================================
   BASE STYLES & RESET
   ============================================ */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    line-height: 1.6;
    color: #333333;
    background-color: #FFFFFF;
    overflow-x: hidden;
}

/* ============================================
   TYPOGRAPHY
   ============================================ */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
    color: #0B1F3B;
}

h1 {
    font-size: 2.5rem;
}

h2 {
    font-size: 2rem;
}

h3 {
    font-size: 1.5rem;
}

p {
    margin-bottom: 1rem;
    color: #333333;
}

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.3s ease;
}

a:hover {
    text-decoration: underline;
}

/* ============================================
   CONTAINER & LAYOUT
   ============================================ */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

section {
    padding: 80px 0;
}

section + section {
    border-top: 1px solid #e3e7f0;
}

.section-transition {
    text-align: center;
    padding: 32px 20px 28px;
    font-style: italic;
    color: #6c7a92;
    font-size: 1rem;
    letter-spacing: 0.01em;
}

.section-transition p {
    margin: 0;
}

.section-title {
    text-align: center;
    margin-bottom: 3rem;
    font-size: 2rem;
    color: #0B1F3B;
}

/* ============================================
   NAVIGATION BAR
   ============================================ */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background-color: #ffffff;
    padding: 0.05rem 0;
    z-index: 1000;
    transition: transform 0.3s ease, box-shadow 0.3s ease, padding 0.3s ease;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
}

.navbar.scrolled {
    padding: 0.05rem 0;
    box-shadow: 0 6px 16px rgba(0, 0, 0, 0.12);
}

.navbar.hide {
    transform: translateY(-110%);
}

.nav-container {
    max-width: 1060px;
    margin: 0 auto;
    padding: 0 18px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 128px;
    gap: 2.5rem;
}

.logo {
    display: flex;
    align-items: center;
}

.logo img {
    height: 120px;
    width: 360px;
    max-width: 100%;
    filter: contrast(1.25) saturate(1.2) drop-shadow(0 5px 12px rgba(0, 0, 0, 0.18));
    image-rendering: -webkit-optimize-contrast;
    transition: filter 0.3s ease, transform 0.3s ease;
    object-fit: contain;
}

.logo img:hover {
    filter: contrast(1.35) saturate(1.3) drop-shadow(0 6px 14px rgba(0, 0, 0, 0.2));
    transform: scale(1.02);
}

.nav-menu {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 1.75rem;
}

.nav-link {
    color: #0B1F3B;
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s ease;
}

.nav-link:hover {
    color: #0B1F3B;
    text-decoration: underline;
}

.nav-cta {
    background-color: #FFFFFF;
    color: #0B1F3B;
    padding: 0.5rem 1.25rem;
    border-radius: 5px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
}

.nav-cta:hover {
    background-color: #f0f0f0;
    text-decoration: none;
    transform: translateY(-2px);
    box-shadow: 0 4px 8px rgba(0, 0, 0, 0.2);
}

/* Mobile Menu Toggle Button */
.nav-toggle {
    display: none;
    flex-direction: column;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
    gap: 5px;
}

.nav-toggle span {
    width: 25px;
    height: 3px;
    background-color: #0B1F3B;
    transition: all 0.3s ease;
    border-radius: 2px;
}

.nav-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.nav-toggle.active span:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-image: linear-gradient(rgba(0, 0, 0, 0.4), rgba(0, 0, 0, 0.4)), url('hero.jpg');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    margin-top: 70px;
    padding: 100px 20px;
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 800px;
    text-align: center;
    color: #FFFFFF;
}

.hero-title {
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
    color: #FFFFFF;
    line-height: 1.2;
}

.hero-title .highlight {
    color: #FFD166;
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 1.25rem;
    color: #FFFFFF;
    opacity: 0.95;
    line-height: 1.6;
}

.hero-description {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    color: #FFFFFF;
    opacity: 0.9;
    line-height: 1.7;
}

.hero-cta {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 1.5rem;
}

.button {
    display: inline-block;
    padding: 1rem 2.5rem;
    background-color: #FFD166;
    color: #0B1F3B;
    border-radius: 5px;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.3s ease;
}

.button:hover {
    background-color: #f7c554;
    text-decoration: none;
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(0, 0, 0, 0.2);
}

.hero-trust {
    font-size: 0.9rem;
    color: #FFFFFF;
    opacity: 0.9;
    margin-top: 1rem;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-block;
    padding: 1rem 2rem;
    border-radius: 5px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
    cursor: pointer;
    border: none;
    font-size: 1rem;
    text-align: center;
}

.btn-primary {
    background-color: #0B1F3B;
    color: #FFFFFF;
}

.btn-primary:hover {
    background-color: #0a1a32;
    box-shadow: 0 4px 12px rgba(11, 31, 59, 0.4);
    text-decoration: none;
    transform: translateY(-2px);
}

.btn-secondary {
    background-color: transparent;
    color: #FFFFFF;
    border: 2px solid #FFFFFF;
}

.btn-secondary:hover {
    background-color: #FFFFFF;
    color: #0B1F3B;
    text-decoration: none;
}

.btn-submit {
    width: 100%;
    margin-top: 1rem;
}

/* ============================================
   HOW IT WORKS SECTION
   ============================================ */
.how-it-works {
    background: linear-gradient(135deg, rgba(11, 31, 59, 0.12) 0%, rgba(242, 245, 252, 0.95) 55%, rgba(250, 251, 255, 1) 100%);
}

.steps-section {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1.5rem;
    margin-top: 3rem;
}

.step {
    flex: 1;
    min-width: 250px;
    background-color: #f9fafb;
    border-radius: 10px;
    padding: 2rem;
    text-align: center;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.step:hover {
    transform: translateY(-4px);
    box-shadow: 0 6px 16px rgba(0, 0, 0, 0.08);
}

.step i {
    font-size: 40px;
    color: #0B1F3B;
    margin-bottom: 1rem;
}

.step h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #0B1F3B;
}

.step p {
    color: #333333;
    line-height: 1.6;
}

/* ============================================
   WHY US SECTION
   ============================================ */
.why-us {
    background-color: #FFFFFF;
}

.section-intro {
    max-width: 760px;
    margin: 0 auto 2.5rem;
    text-align: center;
    color: #333333;
    line-height: 1.7;
}

.section-intro.small {
    max-width: 720px;
    margin-bottom: 2.5rem;
    font-size: 1rem;
}

.subheading {
    text-align: center;
    font-size: 1.5rem;
    color: #0B1F3B;
    margin: 3rem 0 1.5rem;
}

.benefits {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.5rem;
    margin-bottom: 2.5rem;
}

.benefit-card {
    background-color: #FFFFFF;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.12);
}

.benefit-card h3,
.benefit-card h4 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #0B1F3B;
}

.benefit-card h4 {
    font-size: 1.1rem;
}

.benefit-card p {
    color: #333333;
    line-height: 1.7;
}

.coverage-box {
    background-color: #0B1F3B;
    color: #FFFFFF;
    padding: 2rem;
    border-radius: 10px;
    text-align: center;
    margin-top: 2rem;
}

.coverage-text {
    font-size: 1.1rem;
    color: #FFFFFF;
    margin: 0;
    line-height: 1.6;
}

/* ============================================
   SITUATIONS SECTION
   ============================================ */
.situations {
    background: linear-gradient(140deg, rgba(241, 244, 250, 1) 0%, rgba(232, 237, 248, 0.92) 45%, rgba(217, 226, 244, 0.85) 100%);
}

.situations-description {
    max-width: 720px;
    margin: 0 auto 2.5rem;
    text-align: center;
    color: #333333;
    line-height: 1.7;
    font-size: 1.05rem;
}

.situations-subtext {
    max-width: 680px;
    margin: -1.5rem auto 3rem;
    text-align: center;
    color: #4d4d4d;
    line-height: 1.7;
    font-size: 0.98rem;
}

.property-list {
    max-width: 900px;
    margin: 0 auto;
}

.situations-list {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.25rem 2rem;
    padding: 0;
    margin: 0;
    list-style: none;
}

.situations-list li {
    position: relative;
    padding-left: 1.75rem;
    font-size: 1rem;
    color: #333333;
    line-height: 1.6;
}

.situations-list li::before {
    content: "\f00c";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    color: #0B1F3B;
    position: absolute;
    left: 0;
    top: 0.15rem;
    font-size: 1.05rem;
}

/* ============================================
   ABOUT SECTION
   ============================================ */
.about {
    background-color: #FFFFFF;
}

.about-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2rem;
    text-align: center;
}

.about-text p {
    margin-bottom: 1.5rem;
    line-height: 1.8;
    color: #333333;
}

.about-text.single-column {
    max-width: 760px;
}

/* ============================================
   TESTIMONIALS SECTION
   ============================================ */
.testimonials {
    background-color: #f8f9fa;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.testimonial-card {
    background-color: #FFFFFF;
    padding: 2rem;
    border-radius: 10px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.testimonial-text {
    font-style: italic;
    margin-bottom: 1.5rem;
    color: #333333;
    line-height: 1.8;
    font-size: 1.05rem;
}

.testimonial-author {
    font-weight: 600;
    color: #0B1F3B;
    margin: 0;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq {
    background: linear-gradient(180deg, rgba(219, 227, 244, 1) 0%, rgba(205, 217, 238, 0.95) 65%, rgba(190, 205, 232, 0.9) 100%);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    margin-bottom: 1rem;
    border: 1px solid #e0e0e0;
    border-radius: 5px;
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-item:hover {
    border-color: #0B1F3B;
}

.faq-question {
    width: 100%;
    padding: 1.25rem;
    background-color: #f8f9fa;
    border: none;
    text-align: left;
    font-size: 1.1rem;
    font-weight: 600;
    color: #0B1F3B;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: background-color 0.3s ease;
}

.faq-question:hover {
    background-color: #e9ecef;
}

.faq-icon {
    font-size: 1.5rem;
    font-weight: 300;
    color: #0B1F3B;
    transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    padding: 0 1.25rem;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 1.25rem;
}

.faq-answer p {
    color: #333333;
    line-height: 1.8;
    margin: 0;
}

/* ============================================
   CONTACT SECTION
   ============================================ */
.contact {
    background-color: #0B1F3B;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.contact-intro {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 3rem;
    font-size: 1.1rem;
    color: #FFFFFF;
    line-height: 1.8;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 3rem;
    max-width: 1000px;
    margin: 0 auto;
}

.contact-form-wrapper {
    background-color: #FFFFFF;
    padding: 2rem;
    border-radius: 10px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    border-top: 4px solid #ffd166;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: #0B1F3B;
}

.required {
    color: #d32f2f;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid #e0e0e0;
    border-radius: 5px;
    font-size: 1rem;
    font-family: inherit;
    transition: border-color 0.3s ease;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #0B1F3B;
    box-shadow: 0 0 0 3px rgba(11, 31, 59, 0.1);
}

.contact-info {
    background-color: #FFFFFF;
    padding: 2rem;
    border-radius: 10px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    border-top: 4px solid #ffd166;
}

.contact-info-title {
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
    color: #0B1F3B;
}

.contact-details {
    margin-bottom: 2rem;
}

.contact-item {
    margin-bottom: 1.5rem;
    color: #333333;
}

.contact-item strong {
    color: #0B1F3B;
    display: block;
    margin-bottom: 0.5rem;
}

.contact-item a {
    color: #0B1F3B;
    text-decoration: none;
}

.contact-item a:hover {
    text-decoration: underline;
}

.contact-reassurance {
    padding-top: 1.5rem;
    border-top: 1px solid #e0e0e0;
    color: #333333;
    line-height: 1.8;
}

.contact .section-title {
    color: #FFFFFF;
}

.contact .contact-details,
.contact .contact-reassurance {
    color: #333333;
}

.contact a {
    color: #FFD166;
}

.contact a:hover {
    color: #ffe39f;
}

.sms-consent {
    font-size: 0.85rem;
    color: #555;
    text-align: left;
    margin: 10px 0 20px;
    line-height: 1.5;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background-color: #0B1F3B;
    color: #FFFFFF;
    padding: 3rem 0 2rem;
    text-align: center;
}

.footer p {
    margin-bottom: 1rem;
    color: #FFFFFF;
}

.footer a {
    color: #FFFFFF;
    text-decoration: underline;
    transition: opacity 0.3s ease;
}

.footer a:hover {
    opacity: 0.8;
}

/* ============================================
   RESPONSIVE DESIGN
   ============================================ */

/* Tablet and below */
@media (max-width: 968px) {
    .nav-menu {
        position: fixed;
        left: -100%;
        top: 65px;
        flex-direction: column;
        background-color: #ffffff;
        width: 100%;
        text-align: center;
        transition: 0.3s;
        box-shadow: 0 10px 27px rgba(0, 0, 0, 0.1);
        padding: 2rem 0;
        gap: 0;
    }

    .nav-menu.active {
        left: 0;
    }

    .nav-menu li {
        margin: 1rem 0;
    }

    .nav-toggle {
        display: flex;
    }

    .navbar {
        padding: 0.15rem 0;
    }

    .navbar.scrolled {
        padding: 0.15rem 0;
    }

    .nav-container {
        min-height: 102px;
    }

    .logo img {
        height: 96px;
        width: 300px;
    }
    .navbar {
        padding: 0.35rem 0;
    }

    .navbar.scrolled {
        padding: 0.3rem 0;
    }

    .nav-container {
        min-height: 90px;
    }

    .logo img {
        height: 82px;
        width: 240px;
    }

    .steps-section {
        flex-direction: column;
        align-items: stretch;
    }

    .step {
        min-width: 100%;
    }

    .hero-title {
        font-size: 2rem;
    }

    .hero-subtitle {
        font-size: 1.1rem;
    }

    .hero-description {
        font-size: 1rem;
    }

    .hero-cta {
        flex-direction: column;
    }

    .button {
        width: 100%;
    }

    .section-title {
        font-size: 1.75rem;
    }

    .about-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

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

}

/* Mobile */
@media (max-width: 768px) {
    .navbar {
        padding: 0 !important;
        margin: 0 !important;
        height: 90px !important;
    }

    .navbar.scrolled {
        padding: 0 !important;
        height: 90px !important;
    }

    .nav-container {
        padding-left: 12px !important;
        padding-right: 16px !important;
        padding-top: 0 !important;
        padding-bottom: 0 !important;
        margin: 0 !important;
        max-width: 100% !important;
        width: 100% !important;
        min-height: 90px !important;
        height: 90px !important;
        justify-content: space-between;
        align-items: center;
        display: flex;
    }

    .logo {
        margin: 0 !important;
        padding: 0 !important;
        padding-left: 0 !important;
        display: flex;
        align-items: center;
        justify-content: flex-start;
        height: 100%;
        flex-shrink: 0;
        max-width: none !important;
        width: auto !important;
    }

    .logo a {
        padding: 0 !important;
        margin: 0 !important;
        display: flex;
        align-items: center;
        justify-content: center;
        height: auto !important;
        max-width: none !important;
        width: auto !important;
    }

    .logo {
        flex-shrink: 0 !important;
    }

    .logo img {
        height: 70px !important;
        width: auto !important;
        min-width: auto !important;
        max-width: none !important;
        max-height: none !important;
        margin: 0 !important;
        padding: 0 !important;
        object-fit: contain !important;
        image-rendering: -webkit-optimize-contrast;
        display: block !important;
        flex-shrink: 0 !important;
    }

    .nav-toggle {
        display: flex !important;
        align-items: center;
        justify-content: center;
        padding: 0.5rem !important;
        padding-right: 0 !important;
        margin: 0 !important;
        height: 100%;
        flex-shrink: 0;
    }

    .nav-toggle span {
        width: 24px;
        height: 3px;
        background-color: #0B1F3B !important;
    }

    section {
        padding: 60px 0;
    }

    .hero {
        min-height: 500px;
        padding: 80px 20px;
    }

    .hero-title {
        font-size: 1.75rem;
    }

    .hero-subtitle {
        font-size: 1rem;
    }

    .hero-cta {
        flex-direction: column;
    }

    .btn {
        width: 100%;
    }

    .steps-section {
        gap: 1rem;
    }

    .step i {
        font-size: 36px;
    }

    .step h3 {
        font-size: 1.2rem;
    }

    .benefits {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .benefit-card {
        padding: 1.5rem;
    }

    .benefit-card h3,
    .benefit-card h4 {
        font-size: 1.1rem;
    }

    .benefit-card p {
        font-size: 0.9rem;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
    }

    .section-title {
        font-size: 1.5rem;
    }

    h1 {
        font-size: 2rem;
    }

    h2 {
        font-size: 1.75rem;
    }

    h3 {
        font-size: 1.25rem;
    }

    .about-logo {
        width: 200px;
    }

    .contact-form-wrapper,
    .contact-info {
        padding: 1.5rem;
    }
}

/* Small mobile */
@media (max-width: 480px) {
    .nav-container {
        padding-left: 10px !important;
        padding-right: 14px !important;
        min-height: 90px !important;
        height: 90px !important;
    }

    .logo img {
        height: 70px !important;
        width: auto !important;
        min-width: auto !important;
        max-width: none !important;
        max-height: none !important;
    }

    .nav-toggle span {
        width: 22px;
        background-color: #0B1F3B !important;
    }

    .hero-title {
        font-size: 1.5rem;
    }

    .hero-description {
        font-size: 0.95rem;
    }

    .steps-section {
        gap: 0.75rem;
    }

    .step {
        padding: 1.75rem;
    }

    .step i {
        font-size: 32px;
    }

    .container {
        padding: 0 15px;
    }
}