/* ===== Variables ===== */
:root {
  --navy: #1a2744;
  --navy-light: #243352;
  --navy-dark: #111b30;
  --gold: #c8983c;
  --gold-light: #d4a94f;
  --blue: #4a6fa5;
  --blue-light: #5a82be;
  --white: #ffffff;
  --off-white: #f8f9fb;
  --gray-50: #f3f4f6;
  --gray-100: #e5e7eb;
  --gray-200: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --radius: 8px;
  --radius-lg: 12px;
  --transition: 0.3s ease;
}

/* ===== Reset & Base ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', 'Segoe UI', -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-light); }
img { max-width: 100%; display: block; }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.3; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ===== Utility ===== */
.text-center { text-align: center; }
.section-label {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-title {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.1rem;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto 40px;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 600;
  padding: 14px 32px;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all var(--transition);
  cursor: pointer;
  border: none;
  letter-spacing: 0.3px;
}
.btn-primary {
  background: var(--gold);
  color: var(--white);
}
.btn-primary:hover { background: var(--gold-light); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover { border-color: var(--white); color: var(--white); background: rgba(255,255,255,0.1); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-light); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }

/* ===== Top Bar ===== */
.top-bar {
  background: var(--navy-dark);
  padding: 10px 0;
  font-size: 14px;
  color: rgba(255,255,255,0.7);
}
.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar-left {
  display: flex;
  align-items: center;
  gap: 24px;
}
.top-bar-left a { color: rgba(255,255,255,0.85); }
.top-bar-left a:hover { color: var(--white); }
.top-bar-right {
  display: flex;
  align-items: center;
  gap: 6px;
}
.top-bar-right a {
  color: var(--gold);
  font-weight: 600;
  font-size: 15px;
}
.top-bar-right a:hover { color: var(--gold-light); }

/* ===== Header ===== */
.header {
  background: var(--white);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: -0.3px;
}
.logo:hover { color: var(--navy); }
.logo span { color: var(--gold); }
.nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  color: var(--gray-600);
  font-size: 14px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 6px;
  text-decoration: none;
  transition: all var(--transition);
  letter-spacing: 0.3px;
}
.nav-link:hover { color: var(--navy); background: var(--gray-50); }
.nav-link.active { color: var(--navy); background: var(--off-white); }
.nav-cta {
  background: var(--gold);
  color: var(--white) !important;
  margin-left: 8px;
}
.nav-cta:hover { background: var(--gold-light); color: var(--white) !important; }
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--gray-200);
  border-radius: 6px;
  font-size: 22px;
  padding: 6px 12px;
  cursor: pointer;
  color: var(--gray-600);
}
.menu-toggle:hover { background: var(--gray-50); }

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('/images/hero.jpg') center/cover no-repeat;
  opacity: 0.15;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 640px;
  padding: 80px 0;
}
.hero h2 {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
  letter-spacing: -0.5px;
}
.hero h2 em {
  font-style: normal;
  color: var(--gold);
}
.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  line-height: 1.7;
}
.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* ===== Trust Bar ===== */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  padding: 32px 0;
}
.trust-items {
  display: flex;
  justify-content: center;
  gap: 64px;
  flex-wrap: wrap;
}
.trust-item {
  text-align: center;
}
.trust-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
}
.trust-label {
  font-size: 14px;
  color: var(--gray-500);
  font-weight: 500;
  margin-top: 4px;
}

/* ===== About Section ===== */
.about-section {
  padding: 80px 0;
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-image {
  border-radius: var(--radius-lg);
  height: 360px;
  background: url('/images/office.jpg') center/cover no-repeat;
  box-shadow: var(--shadow-lg);
}
.about-content h3 {
  font-size: 1.5rem;
  margin-bottom: 16px;
}
.about-content p {
  margin-bottom: 16px;
  color: var(--gray-600);
}
.about-highlights {
  display: flex;
  gap: 24px;
  margin-top: 24px;
}
.highlight-item {
  flex: 1;
  padding: 16px;
  background: var(--off-white);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}
.highlight-item strong {
  display: block;
  font-size: 14px;
  color: var(--navy);
  margin-bottom: 4px;
}
.highlight-item span {
  font-size: 13px;
  color: var(--gray-500);
}

/* ===== Services Section ===== */
.services-section {
  padding: 80px 0;
  background: var(--off-white);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 8px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.service-img {
  width: 100%;
  height: 180px;
  background-size: cover;
  background-position: center;
}
.service-img-business { background-image: url('/images/business.jpg'); }
.service-img-auto { background-image: url('/images/auto.jpg'); }
.service-img-home { background-image: url('/images/home.jpg'); }
.service-img-life { background-image: url('/images/life.jpg'); }
.service-img-group { background-image: url('/images/group.jpg'); }
.service-body {
  padding: 24px;
}
.service-body h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.service-body p {
  font-size: 15px;
  color: var(--gray-500);
  margin-bottom: 16px;
}
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
}
.service-link:hover { color: var(--gold-light); gap: 10px; }
.service-link::after { content: '\2192'; transition: all var(--transition); }

/* ===== CTA Banner ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 64px 0;
  text-align: center;
}
.cta-banner h2 {
  font-size: 2rem;
  color: var(--white);
  margin-bottom: 12px;
}
.cta-banner p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  margin-bottom: 28px;
}

/* ===== Page Banner ===== */
.page-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 48px 0;
}
.page-banner h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 8px;
}
.page-banner p {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
}

/* ===== Product Sections ===== */
.product-section {
  padding: 56px 0;
  border-bottom: 1px solid var(--gray-100);
}
.product-section:last-of-type { border-bottom: none; }
.product-row {
  display: flex;
  gap: 40px;
  align-items: flex-start;
}
.product-img {
  width: 200px;
  min-width: 200px;
  height: 160px;
  border-radius: var(--radius-lg);
  flex-shrink: 0;
  background-size: cover;
  background-position: center;
  box-shadow: var(--shadow-md);
}
.product-img-business { background-image: url('/images/business.jpg'); }
.product-img-auto { background-image: url('/images/auto.jpg'); }
.product-img-home { background-image: url('/images/home.jpg'); }
.product-img-life { background-image: url('/images/life.jpg'); }
.product-img-group { background-image: url('/images/group.jpg'); }
.product-content { flex: 1; }
.product-content h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 12px;
}
.product-content .subtitle { font-weight: 600; color: var(--gray-500); }
.product-content p {
  color: var(--gray-600);
  margin-bottom: 12px;
}
.product-content h4 {
  font-size: 1rem;
  color: var(--navy);
  margin: 20px 0 10px;
  font-weight: 700;
}
.product-content ul {
  margin: 8px 0 8px 20px;
  color: var(--gray-600);
}
.product-content li { margin-bottom: 6px; }
.product-columns {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}
.product-columns ul { flex: 1; min-width: 200px; }
.product-even { background: var(--off-white); }

/* ===== Team Section ===== */
.team-section { padding: 80px 0; }
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
}
.team-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.team-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 20px;
}
.team-card h3 {
  font-size: 1.15rem;
  margin-bottom: 4px;
}
.team-title {
  font-size: 14px;
  color: var(--gray-500);
  font-weight: 500;
  margin-bottom: 16px;
  line-height: 1.5;
}
.team-contact-info {
  font-size: 14px;
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
}
.team-contact-info a { display: block; margin-bottom: 4px; }
.team-bio {
  font-size: 14px;
  color: var(--gray-500);
  font-style: italic;
  line-height: 1.6;
}

/* ===== Links Page ===== */
.links-section { padding: 56px 0; }
.links-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
.links-group h3 {
  font-size: 1.2rem;
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold);
}
.links-list {
  list-style: none;
  margin: 0;
}
.links-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-100);
}
.links-list li:last-child { border-bottom: none; }
.links-list a {
  font-weight: 600;
  font-size: 15px;
}
.carrier-detail {
  display: block;
  font-size: 13px;
  color: var(--gray-400);
  margin-top: 4px;
}

/* ===== Contact Page ===== */
.contact-section { padding: 56px 0; }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
}
.contact-info h3, .contact-team-col h3 {
  font-size: 1.3rem;
  margin-bottom: 16px;
}
.contact-info p {
  color: var(--gray-600);
  margin-bottom: 24px;
}
.contact-items {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-100);
}
.contact-item:last-child { border-bottom: none; }
.contact-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-item strong {
  display: block;
  font-size: 14px;
  color: var(--navy);
  margin-bottom: 2px;
}
.contact-item a, .contact-item span {
  font-size: 15px;
}
.contact-person {
  padding: 18px 0;
  border-bottom: 1px solid var(--gray-100);
}
.contact-person:last-child { border-bottom: none; }
.contact-person strong {
  font-size: 16px;
  color: var(--navy);
}
.contact-person .role {
  color: var(--gray-400);
  font-size: 14px;
}
.contact-specialty {
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
}
.contact-person a {
  display: block;
  font-size: 14px;
  margin-top: 4px;
}
.map-section {
  padding: 0 0 56px;
}
.map-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  height: 360px;
}
.map-container iframe {
  width: 100%;
  height: 100%;
  border: 0;
}
.hours-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px;
  background: var(--off-white);
  border-radius: var(--radius);
  margin-top: 24px;
  font-size: 15px;
  color: var(--gray-600);
}
.hours-bar strong { color: var(--navy); }

/* ===== Footer ===== */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 56px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo {
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 16px;
  display: inline-block;
}
.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 8px;
}
.footer-col h4 {
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 20px;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,0.6);
  font-size: 14px;
  padding: 5px 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 24px;
  font-size: 13px;
}
.footer-bottom a { color: rgba(255,255,255,0.4); }
.footer-bottom a:hover { color: var(--gold); }

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .about-grid { gap: 40px; }
}

@media (max-width: 768px) {
  .hero { min-height: 420px; }
  .hero h2 { font-size: 2rem; }
  .hero-content { padding: 48px 0; }
  .trust-items { gap: 32px; }
  .about-grid { grid-template-columns: 1fr; }
  .about-image { height: 240px; }
  .services-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .product-row { flex-direction: column; }
  .product-img { width: 100%; min-width: auto; height: 180px; }
  .product-columns { flex-direction: column; gap: 0; }
  .links-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .top-bar-inner { flex-direction: column; gap: 8px; text-align: center; }
  .top-bar-left { flex-direction: column; gap: 4px; }
  .section-title { font-size: 1.6rem; }
  .page-banner { padding: 32px 0; }
  .page-banner h2 { font-size: 1.5rem; }
}

@media (max-width: 600px) {
  .menu-toggle { display: block; }
  .nav {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 8px 0;
    box-shadow: var(--shadow-md);
    border-top: 1px solid var(--gray-100);
  }
  .nav.open { display: flex; }
  .nav-link {
    padding: 12px 24px;
    width: 100%;
    text-align: left;
    border-radius: 0;
  }
  .nav-cta { margin-left: 0; margin: 4px 12px; border-radius: var(--radius); text-align: center; }
  .hero h2 { font-size: 1.7rem; }
  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { text-align: center; justify-content: center; }
  .about-highlights { flex-direction: column; }
  .header-inner { height: 60px; }
  .trust-items { gap: 24px; }
  .trust-number { font-size: 1.6rem; }
}