/* ============================================================
   The Agency, Inc. — insured.ms
   Global Stylesheet
   ============================================================ */

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

:root {
  --navy:       #185FA5;
  --navy-dark:  #0C447C;
  --navy-deep:  #042C53;
  --sky:        #378ADD;
  --sky-light:  #B5D4F4;
  --sky-pale:   #E6F1FB;
  --red:        #C0392B;
  --gray-900:   #2C2C2A;
  --gray-800:   #444441;
  --gray-600:   #5F5E5A;
  --gray-400:   #888780;
  --gray-200:   #B4B2A9;
  --gray-100:   #D3D1C7;
  --gray-50:    #F1EFE8;
  --white:      #ffffff;
  --border:     rgba(0,0,0,0.10);
  --radius-sm:  6px;
  --radius-md:  8px;
  --radius-lg:  12px;
}

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--white);
}

img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ---- UTILITY ---- */
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.section-label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em; color: var(--navy); font-weight: 600; margin-bottom: 6px; }
.section-title { font-size: 28px; font-weight: 500; color: var(--gray-900); margin-bottom: 12px; line-height: 1.25; }
.section-sub { font-size: 16px; color: var(--gray-600); line-height: 1.7; max-width: 600px; margin-bottom: 36px; }
.btn-primary { display: inline-block; background: var(--navy); color: var(--white); padding: 12px 24px; border-radius: var(--radius-md); font-size: 15px; font-weight: 500; border: none; cursor: pointer; transition: background 0.15s; text-decoration: none; }
.btn-primary:hover { background: var(--navy-dark); text-decoration: none; color: var(--white); }
.btn-secondary { display: inline-block; background: transparent; color: var(--gray-900); padding: 12px 24px; border-radius: var(--radius-md); font-size: 15px; border: 1px solid var(--border); cursor: pointer; transition: border-color 0.15s; text-decoration: none; }
.btn-secondary:hover { border-color: var(--sky); color: var(--navy); text-decoration: none; }
.btn-outline-blue { display: inline-block; background: transparent; color: var(--navy-dark); padding: 12px 24px; border-radius: var(--radius-md); font-size: 15px; border: 1px solid var(--sky-light); cursor: pointer; text-decoration: none; }
.btn-outline-blue:hover { background: var(--sky-pale); text-decoration: none; }

/* ---- NAV ---- */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px; max-width: 1100px; margin: 0 auto;
}
.nav-brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-brand:hover { text-decoration: none; }
.brand-name { font-size: 15px; font-weight: 600; color: var(--gray-900); display: block; }
.brand-tag { font-size: 11px; color: var(--gray-400); letter-spacing: 0.05em; text-transform: uppercase; }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a { font-size: 14px; color: var(--gray-600); text-decoration: none; }
.nav-links a:hover { color: var(--navy); }
.nav-links a.active { color: var(--navy); font-weight: 500; }
.nav-cta { background: var(--navy); color: var(--white); padding: 9px 20px; border-radius: var(--radius-md); font-size: 14px; font-weight: 500; text-decoration: none; white-space: nowrap; }
.nav-cta:hover { background: var(--navy-dark); color: var(--white); text-decoration: none; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--gray-900); margin: 4px 0; border-radius: 2px; }

/* ---- LOGO MARK (3 crosses) ---- */
.logo-crosses { width: 24px; height: 24px; flex-shrink: 0; }

/* ---- HERO (homepage) ---- */
.hero {
  display: grid; grid-template-columns: 1fr 1fr; min-height: 500px;
}
.hero-left {
  padding: 64px 48px 64px 0;
  display: grid; grid-template-columns: 1fr 1fr; min-height: 500px; align-items: center;
}
.hero-eyebrow { font-size: 12px; color: var(--navy); letter-spacing: 0.1em; text-transform: uppercase; font-weight: 600; }
.hero-h1 { font-size: 38px; font-weight: 500; line-height: 1.2; color: var(--gray-900); }
.hero-h1 em { font-style: normal; color: var(--gray-600); }
.hero-sub { font-size: 16px; color: var(--gray-600); line-height: 1.7; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; padding-top: 8px; }
.hero-right { position: relative; overflow: hidden; min-height: 325px; max-height: 325px; max-width: 325px; display: flex; align-items: center; justify-content: center; }
.hero-right img { width: 100%; height: 100%; object-fit: cover; object-position: center; margin: auto; }.hero-photo-caption {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(transparent, rgba(12,68,124,0.85));
  padding: 40px 24px 20px;
}
.hero-photo-name { font-size: 16px; font-weight: 500; color: var(--white); }
.hero-photo-sub { font-size: 13px; color: var(--sky-light); margin-top: 2px; }

/* ---- TRUST BAR ---- */
.trust-bar {
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
  padding: 16px 0; background: var(--white);
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; flex-wrap: wrap;
}
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--gray-600); }
.trust-item svg { flex-shrink: 0; color: var(--navy); }
.trust-address-name { font-size: 13px; font-weight: 600; color: var(--gray-900); display: block; }
.trust-address-line { font-size: 12px; color: var(--gray-400); }

/* ---- SERVICES GRID ---- */
.services-section { padding: 72px 0; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.service-card {
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 24px; background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.service-card:hover { border-color: var(--sky-light); box-shadow: 0 2px 12px rgba(24,95,165,0.08); }
.service-card a { text-decoration: none; display: block; }
.service-icon {
  width: 40px; height: 40px; border-radius: var(--radius-md);
  background: var(--sky-pale); display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.service-icon svg { color: var(--navy); }
.service-type { font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--sky); font-weight: 600; margin-bottom: 4px; }
.service-name { font-size: 15px; font-weight: 500; color: var(--gray-900); margin-bottom: 6px; }
.service-desc { font-size: 13px; color: var(--gray-600); line-height: 1.6; }
.service-link { font-size: 13px; color: var(--navy); margin-top: 10px; display: inline-block; }

/* ---- ABOUT STRIP ---- */
.about-strip {
  background: var(--gray-50); border-top: 1px solid var(--border);
  padding: 72px 0;
}
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-stats { display: flex; gap: 36px; margin-top: 28px; }
.stat-num { font-size: 32px; font-weight: 500; color: var(--navy); }
.stat-label { font-size: 13px; color: var(--gray-600); margin-top: 2px; }
.about-quote {
  border-left: 3px solid var(--sky); padding-left: 24px;
  font-size: 16px; color: var(--gray-600); line-height: 1.8;
  font-style: italic;
}
.about-quote cite { display: block; margin-top: 14px; font-size: 13px; font-style: normal; color: var(--gray-400); }

/* ---- CTA BAND ---- */
.cta-band {
  background: var(--sky-pale); border-top: 1px solid var(--sky-light);
  border-bottom: 1px solid var(--sky-light); padding: 64px 0; text-align: center;
}
.cta-band h2 { font-size: 28px; font-weight: 500; color: var(--navy-dark); margin-bottom: 10px; }
.cta-band p { font-size: 16px; color: var(--navy); margin-bottom: 28px; }
.cta-band .btn-row { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }

/* ---- PAGE HERO (inner pages) ---- */
.page-hero {
  background: var(--navy-deep); color: var(--white);
  padding: 64px 0 56px;
}
.page-hero .section-label { color: var(--sky-light); }
.page-hero h1 { font-size: 36px; font-weight: 500; line-height: 1.2; margin-bottom: 14px; color: var(--white); }
.page-hero p { font-size: 17px; color: var(--sky-light); max-width: 600px; line-height: 1.7; margin-bottom: 28px; }
.page-hero .btn-row { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-white { display: inline-block; background: var(--white); color: var(--navy-dark); padding: 12px 24px; border-radius: var(--radius-md); font-size: 15px; font-weight: 500; text-decoration: none; }
.btn-white:hover { background: var(--sky-pale); color: var(--navy-dark); text-decoration: none; }
.btn-ghost { display: inline-block; background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.35); padding: 12px 24px; border-radius: var(--radius-md); font-size: 15px; text-decoration: none; }
.btn-ghost:hover { background: rgba(255,255,255,0.1); color: var(--white); text-decoration: none; }

/* ---- CONTENT SECTIONS ---- */
.content-section { padding: 72px 0; }
.content-section.alt { background: var(--gray-50); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.prose p { font-size: 16px; color: var(--gray-600); line-height: 1.8; margin-bottom: 16px; }
.prose h3 { font-size: 18px; font-weight: 500; color: var(--gray-900); margin: 28px 0 10px; }
.prose ul { padding-left: 20px; }
.prose ul li { font-size: 15px; color: var(--gray-600); margin-bottom: 8px; line-height: 1.6; }

/* ---- COVERAGE CARDS ---- */
.coverage-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.coverage-card {
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 20px; background: var(--white);
}
.coverage-card h4 { font-size: 15px; font-weight: 500; color: var(--gray-900); margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.coverage-card h4 svg { color: var(--navy); flex-shrink: 0; }
.coverage-card p { font-size: 13px; color: var(--gray-600); line-height: 1.6; }

/* ---- FAQ ---- */
.faq-list { max-width: 700px; }
.faq-item { border-bottom: 1px solid var(--border); padding: 20px 0; }
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-q { font-size: 16px; font-weight: 500; color: var(--gray-900); margin-bottom: 8px; }
.faq-a { font-size: 15px; color: var(--gray-600); line-height: 1.7; }

/* ---- CONTACT CARDS (team) ---- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.team-card {
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 24px; background: var(--white); text-align: center;
}
.team-avatar {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--sky-pale); display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px; font-size: 20px; font-weight: 500; color: var(--navy);
}
.team-name { font-size: 16px; font-weight: 500; color: var(--gray-900); margin-bottom: 2px; }
.team-title { font-size: 13px; color: var(--gray-400); margin-bottom: 14px; }
.team-contact a { display: block; font-size: 14px; color: var(--navy); margin-bottom: 4px; text-decoration: none; }
.team-contact a:hover { text-decoration: underline; }

/* ---- FOOTER ---- */
.site-footer { background: var(--gray-900); color: var(--gray-200); padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer-brand-name { color: var(--white); font-size: 15px; font-weight: 600; margin-bottom: 6px; }
.footer-brand-addr { font-size: 13px; color: var(--gray-400); line-height: 1.8; margin-top: 4px; }
.footer-brand p { font-size: 13px; color: var(--gray-400); line-height: 1.7; max-width: 240px; margin-top: 12px; }
.footer-col h4 { color: var(--gray-100); font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 14px; }
.footer-col a, .footer-col p { font-size: 13px; color: var(--gray-400); display: block; margin-bottom: 6px; text-decoration: none; }
.footer-col a:hover { color: var(--sky-light); }
.footer-bottom {
  border-top: 1px solid var(--gray-800); padding: 16px 0;
  font-size: 12px; color: var(--gray-600);
  display: flex; justify-content: space-between; align-items: center;
}
.footer-bottom a { color: var(--gray-600); font-size: 12px; }
.footer-bottom a:hover { color: var(--gray-400); }

/* ---- BREADCRUMB ---- */
.breadcrumb { padding: 12px 0; font-size: 13px; color: var(--gray-400); }
.breadcrumb a { color: var(--gray-400); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb span { margin: 0 6px; }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; }
  .hero-left { padding: 48px 0; }
  .hero-right { min-height: 320px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr; gap: 36px; }
  .two-col { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .hero-h1 { font-size: 28px; }
  .section-title { font-size: 22px; }
  .services-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-bar-inner { flex-direction: column; align-items: flex-start; }
  .about-stats { flex-wrap: wrap; gap: 24px; }
  .page-hero h1 { font-size: 26px; }
  .team-grid { grid-template-columns: 1fr; }
}

/* ---- LOGO IMAGE ---- */
.nav-logo-img {
  height: 48px;
  width: auto;
  display: block;
}
.footer-logo-img {
  height: 52px;
  width: auto;
  display: block;
  margin-bottom: 14px;
  /* logo has dark text — invert on dark footer bg */
  filter: brightness(0) invert(1);
  opacity: 0.85;
}
/* keep red crosses red on footer — can't selectively invert, so use a white version approach */
/* For now the full invert gives a clean white logo on dark bg */