/* Insurance Plans Service Hub | Luxury Gold & Black */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;700&family=Lato:wght@300;400;700&display=swap');

:root {
    --primary: #121212;
    --accent: #d4af37;
    --accent-hover: #b8860b;
    --text-main: #333333;
    --text-light: #f4f4f4;
    --bg-dark: #1a1a1a;
    --white: #ffffff;
    --shadow: 0 15px 30px rgba(0,0,0,0.1);
    --transition: all 0.4s ease;
}

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

body {
    font-family: 'Lato', sans-serif;
    color: var(--text-main);
    background-color: var(--white);
    line-height: 1.7;
}

h1, h2, h3, .logo { font-family: 'Playfair Display', serif; }

a { text-decoration: none; }

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

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }

section { padding: 80px 0; }

.section-title { text-align: center; margin-bottom: 60px; }
.section-title h2 { font-size: 2.8rem; color: var(--primary); margin-bottom: 15px; }
.section-title p { color: #666; font-size: 1rem; }

/* ── Buttons ── */
.btn {
    display: inline-block;
    padding: 14px 32px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    font-size: 0.85rem;
    white-space: nowrap;
}
.btn-primary { background: var(--accent); color: var(--primary); }
.btn-primary:hover { background: var(--accent-hover); color: #fff; }
.btn-outline { border: 2px solid var(--accent); color: var(--accent); background: transparent; }
.btn-outline:hover { background: var(--accent); color: var(--primary); }

/* ── Header ── */
header {
    background: var(--primary);
    padding: 16px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(212,175,55,0.2);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}

.logo {
    font-size: 1.5rem;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 2px;
    flex-shrink: 0;
}

.main-nav { flex: 1; }

.nav-links {
    display: flex;
    gap: 30px;
    list-style: none;
    justify-content: center;
}
.nav-links a {
    color: var(--text-light);
    font-size: 0.85rem;
    font-weight: 400;
    text-transform: uppercase;
    letter-spacing: 1px;
    transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--accent); }

.nav-phone-btn {
    flex-shrink: 0;
    background: var(--accent);
    color: var(--primary);
    padding: 10px 18px;
    font-weight: 700;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    white-space: nowrap;
    transition: var(--transition);
}
.nav-phone-btn:hover { background: var(--accent-hover); color: #fff; }
.nav-phone-btn i { margin-right: 6px; }

.mobile-toggle {
    display: none;
    background: none;
    border: 1px solid rgba(212,175,55,0.5);
    color: var(--accent);
    font-size: 1.1rem;
    padding: 8px 12px;
    cursor: pointer;
    flex-shrink: 0;
}

/* ── Hero ── */
.hero {
    min-height: 80vh;
    background: linear-gradient(rgba(0,0,0,0.7), rgba(0,0,0,0.7)),
        url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?ixlib=rb-1.2.1&auto=format&fit=crop&w=1920&q=80');
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
    color: var(--white);
    padding: 60px 0;
}
.hero.hero-sm { min-height: 40vh; }

.hero-content { max-width: 750px; }
.hero h1 { font-size: 3.8rem; line-height: 1.15; margin-bottom: 20px; color: var(--accent); }
.hero p { font-size: 1.1rem; color: #ccc; margin-bottom: 10px; }

.hero-btns { display: flex; flex-wrap: wrap; gap: 15px; margin-top: 35px; }

/* ── Grid Layouts ── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-2-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

/* ── Feature Cards ── */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.feature-card {
    padding: 45px 30px;
    background: var(--bg-dark);
    color: var(--white);
    border: 1px solid rgba(212,175,55,0.1);
    transition: var(--transition);
    text-align: center;
}
.feature-card:hover { border-color: var(--accent); transform: translateY(-8px); }
.feature-card i { font-size: 2.8rem; color: var(--accent); margin-bottom: 20px; display: block; }
.feature-card h3 { margin-bottom: 12px; }

/* ── Service Cards ── */
.service-card {
    padding: 35px 25px;
    border: 1px solid #eee;
    text-align: center;
    transition: var(--transition);
    background: #fff;
}
.service-card:hover { border-color: var(--accent); transform: translateY(-6px); box-shadow: var(--shadow); }
.service-card i { font-size: 2.2rem; color: var(--accent); margin-bottom: 18px; display: block; }
.service-card h3 { margin-bottom: 10px; font-size: 1.2rem; }
.service-card p { color: #666; font-size: 0.9rem; margin-bottom: 18px; }
.service-link { color: var(--accent); font-weight: 700; text-transform: uppercase; letter-spacing: 1px; font-size: 0.82rem; }
.service-link:hover { color: var(--accent-hover); }

/* ── Plan Items ── */
.plans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.plan-item {
    background: #fafafa;
    padding: 28px 24px;
    border: 1px solid #e8e8e8;
    border-radius: 6px;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}
.plan-item:hover { border-color: var(--accent); background: #fff; }
.plan-item h3 { margin-bottom: 8px; font-size: 1.15rem; }
.plan-item p { color: #666; font-size: 0.9rem; margin-bottom: 14px; line-height: 1.6; }
.plan-item ul { list-style: none; margin-bottom: 20px; flex: 1; }
.plan-item ul li { margin-bottom: 7px; font-size: 0.88rem; color: #555; }

/* ── Stat Box ── */
.stat-box {
    background: #111;
    padding: 30px;
    border-top: 3px solid var(--accent);
    text-align: center;
}
.stat-box h3 { color: var(--accent); font-size: 2.2rem; margin-bottom: 6px; }
.stat-box p { color: #aaa; font-size: 0.9rem; }

/* ── Cover List (about page) ── */
.cover-item {
    padding: 25px;
    border: 1px solid #333;
    display: flex;
    align-items: flex-start;
    gap: 18px;
}
.cover-item i { color: var(--accent); font-size: 1.6rem; margin-top: 3px; flex-shrink: 0; }
.cover-item h4 { margin-bottom: 6px; color: #fff; }
.cover-item p { color: #aaa; font-size: 0.9rem; }

/* ── FAQ ── */
.faq-box { margin-bottom: 15px; border-bottom: 1px solid #ddd; }
.faq-btn {
    width: 100%;
    padding: 18px 0;
    text-align: left;
    background: none;
    border: none;
    font-size: 1.05rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 10px;
    font-family: 'Lato', sans-serif;
}

/* ── Newsletter form ── */
.newsletter-form { display: flex; gap: 0; }
.newsletter-form input {
    flex: 1;
    padding: 14px;
    border: 1px solid #ddd;
    border-right: none;
    font-size: 0.95rem;
    min-width: 0;
}
.newsletter-form button { padding: 14px 24px; flex-shrink: 0; }

/* ── Contact form ── */
.contact-form input,
.contact-form select,
.contact-form textarea {
    width: 100%;
    padding: 14px;
    background: transparent;
    border: 1px solid #444;
    color: white;
    font-family: 'Lato', sans-serif;
    font-size: 0.95rem;
    margin-bottom: 18px;
}
.contact-form select { background: #1a1a1a; color: #aaa; }
.contact-form textarea { height: 120px; resize: vertical; }

/* ── Footer ── */
footer { background: #000; color: #777; padding: 70px 0 20px; }
.footer-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; margin-bottom: 50px; }
footer h3 { color: var(--accent); margin-bottom: 20px; font-size: 1.1rem; }
footer ul { list-style: none; }
footer ul li { margin-bottom: 10px; }
footer a { color: #777; transition: var(--transition); }
footer a:hover { color: var(--accent); }
footer p { line-height: 1.8; font-size: 0.9rem; }
.footer-bottom {
    text-align: center;
    padding-top: 25px;
    border-top: 1px solid #222;
    font-size: 0.8rem;
}
.footer-bottom p + p { margin-top: 8px; color: #444; }

/* ── CTA Global Popup ── */
.cta-popup-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.75);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.4s ease, visibility 0.4s ease;
}
.cta-popup-overlay.active {
    opacity: 1;
    visibility: visible;
}
.cta-popup-box {
    background: var(--bg-dark);
    border: 1px solid var(--accent);
    padding: 50px 40px;
    max-width: 500px;
    width: 100%;
    text-align: center;
    position: relative;
    transform: translateY(30px);
    transition: transform 0.4s ease;
}
.cta-popup-overlay.active .cta-popup-box {
    transform: translateY(0);
}
.cta-popup-close {
    position: absolute;
    top: 14px;
    right: 18px;
    background: none;
    border: none;
    color: var(--accent);
    font-size: 1.8rem;
    cursor: pointer;
    line-height: 1;
}
.cta-popup-close:hover { color: #fff; }
.cta-popup-icon i {
    font-size: 3rem;
    color: var(--accent);
    margin-bottom: 20px;
    display: block;
}
.cta-popup-box h2 {
    color: var(--accent);
    font-size: 1.9rem;
    margin-bottom: 14px;
}
.cta-popup-box p {
    color: #aaa;
    font-size: 0.95rem;
    margin-bottom: 30px;
    line-height: 1.7;
}
.cta-popup-btns {
    display: flex;
    gap: 15px;
    justify-content: center;
    flex-wrap: wrap;
}
.cta-popup-btns .btn i { margin-right: 6px; }
@media (max-width: 480px) {
    .cta-popup-box { padding: 35px 22px; }
    .cta-popup-box h2 { font-size: 1.5rem; }
    .cta-popup-btns { flex-direction: column; }
    .cta-popup-btns .btn { width: 100%; text-align: center; }
}

/* ── Utility ── */
.text-accent { color: var(--accent); }
.text-center { text-align: center; }
.mt-30 { margin-top: 30px; }
.mt-50 { margin-top: 50px; }

/* ════════════════════════════════
   RESPONSIVE
════════════════════════════════ */

/* Tablet — 1024px */
@media (max-width: 1024px) {
    .hero h1 { font-size: 3rem; }
    .section-title h2 { font-size: 2.4rem; }
    .grid-2 { gap: 40px; }
    .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 30px; }
    .nav-links { gap: 20px; }
}

/* Mobile — 768px */
@media (max-width: 768px) {

    section { padding: 60px 0; }

    /* Header */
    .mobile-toggle { display: block; }
    .nav-phone-btn { display: none; }
    .main-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--primary);
        border-top: 1px solid rgba(212,175,55,0.2);
        z-index: 999;
    }
    .main-nav.open { display: block; }
    .nav-links {
        flex-direction: column;
        gap: 0;
        padding: 10px 0;
    }
    .nav-links li a {
        display: block;
        padding: 13px 20px;
        border-bottom: 1px solid rgba(255,255,255,0.05);
        font-size: 0.9rem;
    }

    /* Hero */
    .hero { min-height: 60vh; padding: 50px 0; }
    .hero.hero-sm { min-height: 35vh; }
    .hero h1 { font-size: 2.2rem; }
    .hero p { font-size: 1rem; }
    .hero-btns { flex-direction: column; align-items: flex-start; }
    .hero-btns .btn { width: 100%; text-align: center; }

    /* Grids → single column */
    .grid-2,
    .grid-3,
    .grid-4,
    .grid-2-stats,
    .features-grid,
    .plans-grid { grid-template-columns: 1fr; gap: 20px; }

    /* Section titles */
    .section-title h2 { font-size: 2rem; }
    .section-title { margin-bottom: 35px; }

    /* Buttons */
    .btn { padding: 13px 24px; font-size: 0.8rem; letter-spacing: 1px; }

    /* Newsletter */
    .newsletter-form { flex-direction: column; }
    .newsletter-form input { border-right: 1px solid #ddd; border-bottom: none; }
    .newsletter-form button { width: 100%; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 25px; }

    /* Plans page — full width buttons already inline */
    .plan-item { padding: 25px; }

    /* Contact */
    .contact-info-block { margin-bottom: 40px; }
}

/* Small mobile — 480px */
@media (max-width: 480px) {
    .logo { font-size: 1.2rem; letter-spacing: 1px; }
    .hero h1 { font-size: 1.8rem; }
    .section-title h2 { font-size: 1.7rem; }
    .footer-grid { grid-template-columns: 1fr; }
    .stat-box { padding: 20px; }
    .stat-box h3 { font-size: 1.8rem; }
    .feature-card { padding: 30px 20px; }
    .service-card { padding: 25px 20px; }
}