/* A&D Brokers — Global styles */
:root {
  --navy: #0F1F77;
  --navy-dark: #0A1758;
  --navy-light: #2A3A9C;
  --accent: #C9A236;           /* warm gold for subtle accents */
  --ink: #111418;
  --muted: #5a6473;
  --line: #e5e8ef;
  --bg: #ffffff;
  --bg-soft: #f5f7fb;
  --bg-hero: linear-gradient(135deg, #0F1F77 0%, #1A2B8E 60%, #2A3A9C 100%);
  --shadow-sm: 0 2px 8px rgba(15, 31, 119, 0.06);
  --shadow-md: 0 10px 30px rgba(15, 31, 119, 0.12);
  --radius: 10px;
  --radius-lg: 16px;
  --maxw: 1200px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', 'Roboto', -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Helvetica Neue', Arial, 'Noto Sans', sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--navy-light); }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.25; margin: 0 0 .6em; font-weight: 700; letter-spacing: -0.01em; }
h1 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); }
h2 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-dark);
  color: #dfe6ff;
  font-size: .88rem;
  padding: 8px 0;
}
.topbar .container {
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
}
.topbar a { color: #dfe6ff; }
.topbar a:hover { color: #fff; }
.topbar-info { display: flex; gap: 18px; flex-wrap: wrap; }
.topbar-info span { display: inline-flex; align-items: center; gap: 6px; }
.lang-switch { display: inline-flex; gap: 2px; background: rgba(255,255,255,.08); border-radius: 6px; padding: 2px; }
.lang-switch button {
  background: transparent; border: 0; color: #dfe6ff; font-weight: 600; font-size: .82rem;
  padding: 3px 10px; cursor: pointer; border-radius: 4px; letter-spacing: .04em;
}
.lang-switch button.active { background: #fff; color: var(--navy-dark); }

/* ---------- Header / Nav ---------- */
.site-header {
  background: #fff; border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 100;
  box-shadow: var(--shadow-sm);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 14px 20px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 76px; width: auto; }
.brand-name { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name strong { color: var(--navy); font-size: 1.15rem; letter-spacing: .02em; }
.brand-name small { color: var(--muted); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; }

.main-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; align-items: center; }
.main-nav a {
  display: inline-block; padding: 10px 14px; color: var(--ink); font-weight: 600; font-size: .95rem;
  border-radius: 8px; transition: background .2s ease, color .2s ease;
}
.main-nav a:hover, .main-nav a.active { color: var(--navy); background: var(--bg-soft); }
.main-nav li { position: relative; }
.main-nav .has-sub > a::after { content: " ▾"; font-size: .7rem; color: var(--muted); }
.main-nav .submenu {
  position: absolute; top: 100%; left: 0; background: #fff; min-width: 220px;
  border: 1px solid var(--line); border-radius: 10px; box-shadow: var(--shadow-md);
  padding: 6px; display: none; flex-direction: column;
}
.main-nav .has-sub:hover .submenu, .main-nav .has-sub:focus-within .submenu { display: flex; }
.main-nav .submenu a { padding: 8px 12px; border-radius: 6px; font-weight: 500; }

.nav-toggle {
  display: none; background: transparent; border: 0; padding: 8px; cursor: pointer;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .2s; }

/* ---------- Hero — left navy panel + right photo panel ---------- */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 480px;
  overflow: hidden;
  color: #fff;
}
/* Left panel: navy gradient, text anchored to the page's left container edge */
.hero-left {
  background: var(--bg-hero);
  display: flex;
  align-items: center;
  /* subtle radial accents */
  background-image:
    linear-gradient(135deg, #0F1F77 0%, #1A2B8E 60%, #2A3A9C 100%),
    radial-gradient(circle at 10% 25%, rgba(255,255,255,.07) 0%, transparent 45%);
}
.hero-content {
  /* Left padding aligns with the rest of the page content.
     Right padding is a simple fixed gap — NOT the same formula, which was the bug. */
  padding-top: 88px;
  padding-bottom: 88px;
  padding-left: clamp(28px, 6vw, 88px);
  padding-right: 52px;
  width: 100%;
}
/* Right panel: photo fills full height, no frame */
.hero-visual {
  background-size: cover;
  background-position: center top;
  background-image: linear-gradient(135deg, #1a2b8e, #2a3a9c); /* fallback */
}
.hero h1 { color: #fff; font-size: clamp(2rem, 2.8vw, 3rem); margin-bottom: .5em; }
.hero p.lead { font-size: 1.06rem; color: #dfe6ff; margin-bottom: 0; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 26px; }
.hero .kicker { color: var(--accent); margin-bottom: 14px; display: inline-block; }
.btn {
  display: inline-block; padding: 12px 22px; border-radius: 8px; font-weight: 600; font-size: .95rem;
  border: 2px solid transparent; cursor: pointer; transition: all .2s ease;
  text-decoration: none;
}
.btn-primary { background: #fff; color: var(--navy); }
.btn-primary:hover { background: var(--accent); color: #fff; }
.btn-outline { border-color: #fff; color: #fff; background: transparent; }
.btn-outline:hover { background: #fff; color: var(--navy); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-dark); color: #fff; }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { text-align: center; max-width: 780px; margin: 0 auto 40px; }
.section-head .kicker {
  color: var(--accent); font-weight: 700; letter-spacing: .15em; text-transform: uppercase; font-size: .8rem;
  display: inline-block; margin-bottom: 10px;
}
.section-head h2 { margin: 0 0 12px; }
.section-head p { color: var(--muted); }

/* ---------- Cards / grid of insurance types ---------- */
.card-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 22px;
}
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; display: flex; flex-direction: column;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #c7cff0; }
.card-img {
  height: 180px; background: #dfe6ff center/cover no-repeat;
  position: relative;
}
.card-img::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(15,31,119,0) 40%, rgba(15,31,119,.55));
}
.card-body { padding: 20px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.card h3 { margin: 0; color: var(--navy); }
.card p { color: var(--muted); margin: 0; font-size: .95rem; flex: 1; }
.card-link {
  margin-top: 6px; color: var(--navy); font-weight: 600; font-size: .9rem;
  display: inline-flex; align-items: center; gap: 6px;
}
.card-link::after { content: "→"; transition: transform .2s; }
.card:hover .card-link::after { transform: translateX(4px); }

/* ---------- Feature strip (why us) ---------- */
.features {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px;
}
.feature { display: flex; flex-direction: column; gap: 10px; }
.feature .icon {
  width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(135deg, #e8ecf7, #dfe6ff); color: var(--navy); font-size: 1.4rem;
}
.feature h3 { color: var(--navy); margin: 0; }
.feature p { color: var(--muted); margin: 0; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 50px; align-items: center; }
.values-list { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 14px; }
.values-list li {
  display: grid; grid-template-columns: 28px 1fr; gap: 12px; align-items: start;
}
.values-list li::before {
  content: "✓"; color: #fff; background: var(--navy); width: 24px; height: 24px; display: grid; place-items: center;
  border-radius: 50%; font-size: .8rem; font-weight: 700;
}

/* ---------- Partners ---------- */
.partners-group { margin-bottom: 40px; }
.partners-group h3 {
  color: var(--navy); text-transform: uppercase; letter-spacing: .08em; font-size: .95rem;
  border-left: 4px solid var(--accent); padding-left: 12px; margin-bottom: 18px;
}
.partners-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 12px;
}
.partner-chip {
  background: #fff; border: 1px solid var(--line); border-radius: 10px;
  padding: 18px 14px; display: grid; place-items: center; text-align: center;
  font-weight: 600; color: var(--ink); min-height: 80px; font-size: .95rem;
  transition: all .2s ease;
}
.partner-chip:hover { border-color: var(--navy); color: var(--navy); transform: translateY(-2px); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.contact-info { display: grid; gap: 18px; }
.contact-item {
  display: grid; grid-template-columns: 44px 1fr; gap: 14px; align-items: start;
  padding: 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
}
.contact-item .icon {
  width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center;
  background: var(--navy); color: #fff; font-size: 1.1rem;
}
.contact-item strong { display: block; color: var(--navy); margin-bottom: 4px; }
.contact-item a { color: var(--ink); }
.contact-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.form-field label { font-size: .88rem; font-weight: 600; color: var(--ink); }
.form-field input, .form-field select, .form-field textarea {
  padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; font: inherit;
  transition: border-color .2s;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--navy);
}
.form-field textarea { min-height: 120px; resize: vertical; }
.form-note { font-size: .85rem; color: var(--muted); margin-top: 8px; }

.map-embed { margin-top: 40px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); }
.map-embed iframe { width: 100%; height: 380px; border: 0; display: block; }

/* ---------- Detail page ---------- */
.page-hero {
  background: var(--bg-hero); color: #fff; padding: 60px 0;
}
.page-hero h1 { color: #fff; margin: 0 0 8px; }
.page-hero .crumbs { color: #cfd8ff; font-size: .9rem; }
.page-hero .crumbs a { color: #fff; }

.prose { max-width: 820px; margin: 0 auto; }
.prose h2 { color: var(--navy); border-bottom: 2px solid var(--line); padding-bottom: 10px; margin-top: 36px; }
.prose h3 { color: var(--navy); margin-top: 28px; }
.prose ul { padding-left: 22px; }
.prose li { margin-bottom: 6px; }
.callout {
  background: var(--bg-soft); border-left: 4px solid var(--navy);
  padding: 16px 20px; border-radius: 6px; margin: 20px 0;
}

/* ---------- Footer ---------- */
.site-footer {
  background: #0A1758; color: #cfd8ff; padding: 60px 0 20px; margin-top: 0;
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 {
  color: #fff; font-size: 1rem; letter-spacing: .04em; margin-bottom: 14px;
  display: flex; justify-content: space-between; align-items: center;
}
.site-footer a { color: #cfd8ff; }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; font-size: .95rem; }
.footer-brand img { height: 48px; background: #fff; padding: 6px; border-radius: 8px; margin-bottom: 12px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); padding-top: 20px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: .85rem; color: #9fb0e0;
}
/* Footer accordion — mobile only */
.footer-toggle-btn {
  display: none; /* hidden on desktop */
  background: none; border: none; color: #fff; cursor: pointer;
  padding: 0; line-height: 1;
}
.footer-toggle-btn .ft-chevron {
  display: inline-block;
  width: 16px; height: 16px; fill: none; stroke: currentColor;
  stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round;
  transition: transform .25s ease;
  vertical-align: middle;
}
.footer-section.open .ft-chevron { transform: rotate(180deg); }
@media (max-width: 720px) {
  .footer-grid { grid-template-columns: 1fr; gap: 0; }
  .footer-brand { padding-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,.1); margin-bottom: 0; }
  .footer-section { border-bottom: 1px solid rgba(255,255,255,.1); }
  .footer-section h4 {
    padding: 16px 0; margin: 0; cursor: pointer; user-select: none;
  }
  .footer-section h4 * { pointer-events: none; }
  .footer-toggle-btn { display: inline-flex; align-items: center; }
  /* Collapsed by default on mobile */
  .footer-section ul { display: none; padding-bottom: 0; }
  /* Expanded */
  .footer-section.open ul {
    display: block;
    padding-bottom: 14px;
    animation: ft-open .2s ease;
  }
  @keyframes ft-open {
    from { opacity: 0; transform: translateY(-6px); }
    to   { opacity: 1; transform: translateY(0); }
  }
}

/* ---------- Icons (single-color, inherit currentColor) ---------- */
.ic {
  width: 1em; height: 1em;
  display: inline-block; vertical-align: -0.15em; flex-shrink: 0;
  fill: currentColor;
}
.topbar-info .ic { width: 14px; height: 14px; margin-right: 6px; vertical-align: -2px; }
.feature .icon .ic { width: 24px; height: 24px; }
.contact-item .icon .ic { width: 20px; height: 20px; }
/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.hidden { display: none !important; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  /* Stack hero: navy text panel on top, photo strip below */
  .hero { grid-template-columns: 1fr; }
  .hero-visual { min-height: 260px; }
  .hero-content {
    padding-top: 56px;
    padding-bottom: 56px;
    padding-left: 20px;
    padding-right: 20px;
  }
  .about-grid { grid-template-columns: 1fr; gap: 30px; }
  .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .form-row { grid-template-columns: 1fr; }
}
/* ---------- Mobile nav contact block (only visible inside open menu) ---------- */
.nav-contact {
  display: none;                        /* hidden on desktop */
  padding: 14px 10px 6px;
  border-top: 1px solid var(--line);
  margin-top: 4px;
  flex-direction: column;
  gap: 10px;
}
.nav-contact a {
  color: var(--ink); font-size: .92rem; display: flex; align-items: center; gap: 8px;
  padding: 0 !important; border: 0 !important;
}
.nav-contact a:hover { color: var(--navy); background: none !important; }
.nav-contact .ic { width: 15px; height: 15px; color: var(--navy); flex-shrink: 0; }
.nav-contact .lang-switch { margin-top: 4px; }
.nav-contact .lang-switch button { color: var(--navy-dark); }
.nav-contact .lang-switch button.active { background: var(--navy); color: #fff; }

@media (max-width: 720px) {
  /* Hide the topbar entirely on mobile — info moves into nav */
  .topbar { display: none; }
  .brand img { height: 58px; }

  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    border-bottom: 1px solid var(--line); padding: 10px 20px 16px; display: none;
    box-shadow: var(--shadow-md);
  }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .main-nav a { padding: 12px 10px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .main-nav .submenu {
    position: static; box-shadow: none; border: 0; padding: 0 0 0 12px; display: none;
  }
  .main-nav .has-sub.open .submenu { display: flex; }
  /* Show contact block inside open mobile nav */
  .main-nav.open .nav-contact { display: flex; }
  .footer-grid { grid-template-columns: 1fr; }
  section { padding: 56px 0; }
}