/* ==========================================================================
   Opulent Risk & Insurance Services — Design System
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600&display=swap');

:root {
  --navy:     #0e234e;
  --blue:     #54a9e9;
  --blue-2:   #4893cf;
  --blue-3:   #3d7cb5;
  --gold:     #C9A96E;
  --white:    #ffffff;
  --paper:    #f7f8fa;
  --ink:      #1a1a2e;
  --ink-soft: #5a5a7a;
  --line:     #e4e8f0;

  --max-width: 1100px;
  --radius: 4px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Montserrat', sans-serif;
  font-weight: 400;
  font-size: 16px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 300;
  letter-spacing: 0.02em;
  color: var(--ink);
  margin: 0;
}

p { margin: 0 0 1.2em; }
p:last-child { margin-bottom: 0; }

a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-3); }

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

ul { margin: 0; padding: 0; list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 32px;
}

section { position: relative; }

.section {
  padding: 96px 0;
}

.section--tight { padding: 72px 0; }

.bg-white { background: var(--white); }
.bg-paper { background: var(--paper); }
.bg-navy { background: var(--navy); color: rgba(255,255,255,0.92); }

/* ---- Eyebrow ---- */
.eyebrow {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 18px;
}

.bg-navy .eyebrow { color: var(--blue); }

/* ---- Section heading block ---- */
.section-head {
  max-width: 720px;
  margin-bottom: 56px;
}

.section-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-head h2 {
  font-size: 38px;
  font-weight: 300;
  line-height: 1.25;
  margin-bottom: 18px;
}

.section-head p {
  font-size: 17px;
  color: var(--ink-soft);
  line-height: 1.7;
}

.bg-navy .section-head p { color: rgba(255,255,255,0.75); }

/* ==========================================================================
   Navigation
   ========================================================================== */

.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 22px 0;
  background: transparent;
  transition: background 0.25s ease, padding 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  border-bottom: 1px solid transparent;
}

.nav.is-scrolled,
.nav.nav--solid {
  background: rgba(255,255,255,0.97);
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 2px 12px rgba(14,35,78,0.05);
}

.nav .container {
  max-width: 1320px;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  font-family: 'Montserrat', sans-serif;
  font-weight: 300;
  font-size: 18px;
  letter-spacing: 0.25em;
  color: var(--blue);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  width: 28px;
  height: 28px;
  border: 2px solid var(--blue);
  border-radius: 50%;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-name {
  font-size: 15px;
  letter-spacing: 0.3em;
  color: var(--blue);
}

.logo-sub {
  font-size: 9px;
  letter-spacing: 0.15em;
  color: rgba(84,169,233,0.65);
  margin-top: 2px;
}

.nav.is-scrolled .logo-sub,
.nav--solid .logo-sub { color: rgba(84,169,233,0.75); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  white-space: nowrap;
}

.nav-links a {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.85);
  text-transform: uppercase;
}

.nav.is-scrolled .nav-links a,
.nav--solid .nav-links a { color: var(--ink); }

.nav-links a:hover { color: var(--blue); }

.nav-right {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-phone {
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.02em;
}

.nav.is-scrolled .nav-phone,
.nav--solid .nav-phone { color: var(--ink); }

.nav-phone:hover { color: var(--blue); }

/* ---- Mobile nav toggle (checkbox-driven, no JS) ---- */
.nav-toggle { display: none; }
.nav-toggle-label {
  display: none;
  width: 26px;
  height: 20px;
  position: relative;
  cursor: pointer;
  flex-shrink: 0;
}
.nav-toggle-label span,
.nav-toggle-label span::before,
.nav-toggle-label span::after {
  display: block;
  position: absolute;
  height: 2px;
  width: 100%;
  background: rgba(255,255,255,0.9);
  transition: 0.2s ease;
}
.nav.is-scrolled .nav-toggle-label span,
.nav.is-scrolled .nav-toggle-label span::before,
.nav.is-scrolled .nav-toggle-label span::after,
.nav--solid .nav-toggle-label span,
.nav--solid .nav-toggle-label span::before,
.nav--solid .nav-toggle-label span::after { background: var(--ink); }
.nav-toggle-label span { top: 9px; }
.nav-toggle-label span::before { content: ''; top: -8px; }
.nav-toggle-label span::after { content: ''; top: 8px; }

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 30px;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
}
.btn-primary:hover { background: var(--blue-3); color: var(--white); }

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.06); color: var(--white); }

.btn-outline-dark {
  background: transparent;
  border-color: var(--line);
  color: var(--ink);
}
.btn-outline-dark:hover { border-color: var(--blue); color: var(--blue); }

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  background: var(--navy);
  padding: 200px 0 110px;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 560px;
  height: 560px;
  border-radius: 50%;
  border: 1px solid rgba(84,169,233,0.12);
  pointer-events: none;
}

.hero-inner { max-width: 820px; position: relative; z-index: 1; }

.hero h1 {
  font-size: 56px;
  font-weight: 300;
  line-height: 1.22;
  letter-spacing: 0.005em;
  color: var(--white);
  margin-bottom: 28px;
  text-wrap: balance;
}

.hero p.subhead {
  font-size: 19px;
  font-weight: 400;
  line-height: 1.6;
  color: rgba(255,255,255,0.72);
  max-width: 620px;
  margin-bottom: 40px;
}

.hero .gold-detail {
  width: 44px;
  height: 2px;
  background: var(--gold);
  margin-bottom: 28px;
}

/* ==========================================================================
   Social proof bar
   ========================================================================== */

.proof-bar {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  padding: 20px 0;
}

.proof-bar .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0;
}

.proof-bar span {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--ink-soft);
  padding: 0 18px;
  position: relative;
  white-space: nowrap;
}

.proof-bar span:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 12px;
  background: var(--line);
}

/* ==========================================================================
   Grids & Cards
   ========================================================================== */

.grid {
  display: grid;
  gap: 32px;
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.hub-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 40px 32px;
  transition: border-color 0.2s ease, transform 0.2s ease;
  display: flex;
  flex-direction: column;
}

.hub-card:hover { border-color: var(--blue); transform: translateY(-2px); }

.hub-card .num {
  font-size: 13px;
  font-weight: 500;
  color: var(--blue);
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.hub-card h3 {
  font-size: 22px;
  font-weight: 300;
  margin-bottom: 14px;
}

.hub-card p {
  font-size: 15px;
  color: var(--ink-soft);
  margin-bottom: 20px;
  flex: 1;
}

.learn-more {
  display: inline-block;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.03em;
  color: var(--blue);
  margin-top: 16px;
}

.coverage-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 30px;
}

.bg-paper .coverage-card { background: var(--white); }

.coverage-card h3 {
  font-size: 20px;
  font-weight: 400;
  margin-bottom: 14px;
  color: var(--ink);
}

.coverage-card p {
  font-size: 15px;
  color: var(--ink-soft);
}

/* ---- Why us item (icon + text) ---- */
.why-item {
  display: flex;
  gap: 22px;
}

.why-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--paper);
  border: 1px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-icon svg { width: 22px; height: 22px; stroke: var(--blue); }

.why-item h3 {
  font-size: 18px;
  font-weight: 500;
  margin-bottom: 10px;
  letter-spacing: 0.01em;
}

.why-item p {
  font-size: 15px;
  color: var(--ink-soft);
}

/* ==========================================================================
   Checklist
   ========================================================================== */

.checklist { display: flex; flex-direction: column; gap: 16px; }

.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 16px;
  color: var(--ink);
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.checklist li:last-child { border-bottom: none; padding-bottom: 0; }

.checklist svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  stroke: var(--blue);
  margin-top: 3px;
}

/* ==========================================================================
   Editorial two-column
   ========================================================================== */

.editorial {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 64px;
  align-items: start;
}

.editorial .copy p {
  font-size: 16px;
  color: var(--ink-soft);
  margin-bottom: 22px;
}

.editorial .aside {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 36px 32px;
}

.editorial .aside h4 {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 22px;
}

/* ==========================================================================
   Callout (WC audit, etc.)
   ========================================================================== */

.callout {
  background: var(--white);
  border-left: 4px solid var(--gold);
  padding: 56px 56px;
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 48px;
  align-items: center;
}

.callout h2 {
  font-size: 32px;
  font-weight: 300;
  margin-bottom: 20px;
}

.callout p { font-size: 16px; color: var(--ink-soft); }

.callout-stats {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.callout-stat .stat-num {
  font-size: 34px;
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 4px;
}

.callout-stat .stat-label {
  font-size: 13px;
  color: var(--ink-soft);
  letter-spacing: 0.02em;
}

.callout .btn-group { margin-top: 28px; }

.callout .phone-link {
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  align-self: center;
}

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq-list { display: flex; flex-direction: column; }

.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 30px 0;
}
.faq-item:first-child { padding-top: 0; }

.faq-item h3 {
  font-size: 18px;
  font-weight: 500;
  margin-bottom: 12px;
  color: var(--ink);
}

.faq-item p {
  font-size: 15.5px;
  color: var(--ink-soft);
  line-height: 1.75;
}

/* ==========================================================================
   Credentials section (gold accent) — high-net-worth page
   ========================================================================== */

.credentials-section {
  border-left: 4px solid var(--gold);
  background: var(--paper);
  padding: 64px 56px;
}

.credential-badges {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 44px;
}

.credential-badge {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 30px 26px;
}

.credential-badge .cred-abbr {
  font-family: 'Montserrat', sans-serif;
  font-weight: 300;
  font-size: 30px;
  letter-spacing: 0.06em;
  color: var(--navy);
  margin-bottom: 6px;
}

.credential-badge .cred-name {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.02em;
  margin-bottom: 14px;
}

.credential-badge p {
  font-size: 14.5px;
  color: var(--ink-soft);
}

/* ---- Carrier strip ---- */
.carrier-strip {
  text-align: center;
}

.carrier-names {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  font-family: 'Montserrat', sans-serif;
  font-weight: 300;
  font-size: 26px;
  letter-spacing: 0.06em;
  color: var(--navy);
  margin-bottom: 32px;
}

.carrier-names span:not(:last-child)::after {
  content: '·';
  margin-left: 40px;
  color: var(--line);
}

.carrier-strip p {
  max-width: 720px;
  margin: 0 auto;
  color: var(--ink-soft);
  font-size: 15.5px;
}

/* ---- Stats callout (technology page) ---- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.stat-box {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 40px 32px;
  text-align: center;
}

.stat-box .stat-num {
  font-size: 40px;
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 12px;
}

.stat-box .stat-label {
  font-size: 14.5px;
  color: var(--ink-soft);
  line-height: 1.5;
}

/* ---- Industries / who-we-serve list ---- */
.tag-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.tag-item {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 26px 24px;
  font-size: 15.5px;
  color: var(--ink);
}

.bg-paper .tag-item { background: var(--white); }

.tag-item a { font-weight: 500; }

/* ==========================================================================
   Final CTA
   ========================================================================== */

.final-cta {
  background: var(--navy);
  text-align: center;
  padding: 100px 0;
}

.final-cta h2 {
  font-size: 38px;
  font-weight: 300;
  color: var(--white);
  max-width: 700px;
  margin: 0 auto 20px;
  line-height: 1.3;
}

.final-cta p {
  font-size: 17px;
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin: 0 auto 36px;
}

.final-cta .btn-group { justify-content: center; }

/* ==========================================================================
   Contact page
   ========================================================================== */

.contact-layout {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 64px;
}

.contact-info h1 {
  font-size: 40px;
  font-weight: 300;
  margin-bottom: 28px;
}

.contact-info .info-line {
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
  font-size: 15.5px;
}

.contact-info .info-line:first-of-type { border-top: 1px solid var(--line); }

.contact-info .info-line svg {
  width: 18px;
  height: 18px;
  stroke: var(--blue);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-form {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 44px;
}

.form-row { margin-bottom: 22px; }

.form-row label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 8px;
}

.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 13px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  color: var(--ink);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--blue);
}

.form-row textarea { resize: vertical; min-height: 120px; }

.contact-form .btn { width: 100%; padding: 16px 30px; border: none; }

/* ==========================================================================
   Breadcrumb
   ========================================================================== */

.breadcrumb {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  padding: 86px 0 14px;
}

.breadcrumb .container {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: var(--ink-soft);
}

.breadcrumb a { color: var(--ink-soft); }
.breadcrumb a:hover { color: var(--blue); }
.breadcrumb span.sep { color: var(--line); }
.breadcrumb span.current { color: var(--ink); }

/* ==========================================================================
   Sub-page cross-link cards (hub -> spoke)
   ========================================================================== */

.spoke-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px 28px;
  transition: border-color 0.2s ease, transform 0.2s ease;
}

.spoke-card:hover { border-color: var(--blue); transform: translateY(-2px); }

.bg-paper .spoke-card { background: var(--white); }

.spoke-card h3 {
  font-size: 19px;
  font-weight: 400;
  margin-bottom: 12px;
}

.spoke-card p {
  font-size: 14.5px;
  color: var(--ink-soft);
  margin-bottom: 18px;
}

/* ==========================================================================
   Footer service-area row
   ========================================================================== */

.footer-areas {
  padding: 26px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  font-size: 12.5px;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.01em;
}

.footer-areas span.label {
  color: rgba(255,255,255,0.4);
  margin-right: 10px;
}

.footer-areas a {
  color: rgba(255,255,255,0.6);
  margin: 0 8px;
}

.footer-areas a:hover { color: var(--blue); }

/* ==========================================================================
   Footer
   ========================================================================== */

.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: 80px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer h4 {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 22px;
}

.footer p { font-size: 14px; line-height: 1.8; color: rgba(255,255,255,0.6); }

.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,0.65); }
.footer-links a:hover { color: var(--blue); }

.footer .logo-name,
.footer .logo-sub { color: var(--blue); }

.footer .logo { margin-bottom: 18px; }

.footer-bottom {
  padding: 26px 0;
  text-align: center;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.01em;
}

.footer-bottom a { color: rgba(255,255,255,0.55); }
.footer-bottom a:hover { color: var(--blue); }

/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 980px) {
  .hero h1 { font-size: 46px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .editorial { grid-template-columns: 1fr; gap: 40px; }
  .callout { grid-template-columns: 1fr; padding: 44px 36px; }
  .credential-badges { grid-template-columns: repeat(3, 1fr); }
  .stats-row { grid-template-columns: 1fr; }
  .tag-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-layout { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 24px; }
}

@media (max-width: 768px) {
  .container { padding: 0 22px; }
  .section { padding: 64px 0; }

  .nav-links,
  .nav-phone-wrap,
  .nav-right .btn-primary { display: none; }

  .nav-right { gap: 16px; }

  .nav.mobile-open .nav-links {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 24px;
    gap: 20px;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 12px 24px rgba(14,35,78,0.08);
  }

  .nav.mobile-open .nav-links a { color: var(--ink); }

  .nav-toggle-label { display: block; }

  .hero { padding: 150px 0 72px; }
  .hero h1 { font-size: 34px; }
  .hero p.subhead { font-size: 16.5px; }

  .section-head h2 { font-size: 28px; }

  .grid-4,
  .grid-3,
  .grid-2 { grid-template-columns: 1fr; }

  .proof-bar span { padding: 6px 12px; font-size: 11px; }

  .callout { padding: 36px 24px; }
  .callout h2 { font-size: 26px; }

  .credential-badges { grid-template-columns: 1fr; }
  .carrier-names { font-size: 20px; gap: 20px; }
  .carrier-names span:not(:last-child)::after { margin-left: 20px; }

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

  .final-cta h2 { font-size: 28px; }

  .contact-form { padding: 28px; }
  .contact-info h1 { font-size: 30px; }

  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer { padding: 56px 0 0; }

  .footer-areas { padding: 22px; line-height: 2.2; }
  .footer-areas span.label { display: block; margin: 0 0 6px; }
}