/* ============================================================
   NSIS Design System — style.css
   National Senior Insurance Services
   ============================================================ */

/* ----------------------------------------------------------
   1. CSS Custom Properties (Design Tokens)
   ---------------------------------------------------------- */
:root {
  /* Colors */
  --color-navy:        #1B2A4A;
  --color-navy-light:  #2D3E5F;
  --color-navy-dark:   #111D35;
  --color-gold:        #C5A55A;
  --color-gold-light:  #D4BB7C;
  --color-gold-dark:   #A8893D;
  --color-white:       #FFFFFF;
  --color-off-white:   #F5F5F5;
  --color-gray:        #E0E0E0;
  --color-gray-dark:   #999999;
  --color-text:        #333333;
  --color-text-light:  #666666;
  --color-success:     #2E7D32;
  --color-error:       #C62828;

  /* Typography */
  --font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-size-base:  18px;
  --font-size-sm:    16px;
  --font-size-xs:    14px;
  --font-size-lg:    20px;
  --font-size-xl:    24px;
  --font-size-h6:    1.125rem;
  --font-size-h5:    1.25rem;
  --font-size-h4:    1.5rem;
  --font-size-h3:    1.75rem;
  --font-size-h2:    2.25rem;
  --font-size-h1:    3rem;
  --line-height-body:    1.7;
  --line-height-heading: 1.2;
  --font-weight-normal:  400;
  --font-weight-medium:  500;
  --font-weight-semi:    600;
  --font-weight-bold:    700;

  /* Spacing */
  --space-xs:   4px;
  --space-sm:   8px;
  --space-md:   16px;
  --space-lg:   24px;
  --space-xl:   32px;
  --space-2xl:  48px;
  --space-3xl:  64px;
  --space-4xl:  80px;
  --section-padding: 80px;

  /* Layout */
  --container-max:   1200px;
  --container-narrow: 800px;
  --header-height:   100px;

  /* Borders & Radius */
  --radius-sm:   4px;
  --radius-btn:  6px;
  --radius-card: 8px;
  --radius-lg:   12px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm:    0 2px 8px rgba(0, 0, 0, 0.08);
  --shadow-md:    0 4px 16px rgba(0, 0, 0, 0.12);
  --shadow-lg:    0 8px 32px rgba(0, 0, 0, 0.16);
  --shadow-header: 0 2px 12px rgba(0, 0, 0, 0.15);

  /* Transitions */
  --transition-fast:   150ms ease;
  --transition-base:   250ms ease;
  --transition-slow:   400ms ease;

  /* Tap target minimum */
  --tap-min: 48px;
}


/* ----------------------------------------------------------
   2. Reset / Normalize
   ---------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: var(--font-size-base);
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  font-size: 1rem;
  line-height: var(--line-height-body);
  color: var(--color-text);
  background-color: var(--color-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img,
picture,
video,
svg {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--color-navy);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-gold);
}

ul,
ol {
  list-style: none;
}

button,
input,
select,
textarea {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

table {
  border-collapse: collapse;
}

fieldset {
  border: none;
}


/* ----------------------------------------------------------
   3. Accessibility
   ---------------------------------------------------------- */

/* Skip to content link */
.skip-to-content {
  position: absolute;
  top: -100%;
  left: var(--space-md);
  z-index: 10000;
  padding: var(--space-sm) var(--space-md);
  background: var(--color-gold);
  color: var(--color-navy);
  font-weight: var(--font-weight-bold);
  border-radius: var(--radius-btn);
  transition: top var(--transition-fast);
}

.skip-to-content:focus {
  top: var(--space-md);
}

/* Focus styles */
:focus-visible {
  outline: 3px solid var(--color-gold);
  outline-offset: 2px;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--color-gold);
  outline-offset: 2px;
}

/* Visually hidden but screen reader accessible */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}


/* ----------------------------------------------------------
   4. Typography System
   ---------------------------------------------------------- */
h1, h2, h3, h4, h5, h6 {
  line-height: var(--line-height-heading);
  font-weight: var(--font-weight-bold);
  color: var(--color-navy);
}

h1 { font-size: var(--font-size-h1); margin-bottom: var(--space-lg); }
h2 { font-size: var(--font-size-h2); margin-bottom: var(--space-lg); }
h3 { font-size: var(--font-size-h3); margin-bottom: var(--space-md); }
h4 { font-size: var(--font-size-h4); margin-bottom: var(--space-md); }
h5 { font-size: var(--font-size-h5); margin-bottom: var(--space-sm); }
h6 { font-size: var(--font-size-h6); margin-bottom: var(--space-sm); }

p {
  margin-bottom: var(--space-md);
}

.lead {
  font-size: var(--font-size-lg);
  line-height: 1.6;
  color: var(--color-text-light);
}

.small {
  font-size: var(--font-size-sm);
}

.text-center { text-align: center; }
.text-white  { color: var(--color-white); }
.text-gold   { color: var(--color-gold); }
.text-navy   { color: var(--color-navy); }

strong, b {
  font-weight: var(--font-weight-bold);
}

@media (max-width: 768px) {
  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.75rem; }
  h3 { font-size: 1.5rem; }
}


/* ----------------------------------------------------------
   5. Layout / Container
   ---------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-lg);
  padding-right: var(--space-lg);
}

.container--narrow {
  max-width: var(--container-narrow);
}

.section {
  padding-top: var(--section-padding);
  padding-bottom: var(--section-padding);
}

.section--gray {
  background-color: var(--color-off-white);
}

.section--navy {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.section--navy h2,
.section--navy h3,
.section--navy h4 {
  color: var(--color-white);
}

.grid {
  display: grid;
  gap: var(--space-xl);
}

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

@media (min-width: 768px) {
  .grid--2 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
}

.flex {
  display: flex;
}

.flex--center {
  align-items: center;
  justify-content: center;
}

.flex--between {
  align-items: center;
  justify-content: space-between;
}

.flex--wrap {
  flex-wrap: wrap;
}

.flex--column {
  flex-direction: column;
}

.gap-sm  { gap: var(--space-sm); }
.gap-md  { gap: var(--space-md); }
.gap-lg  { gap: var(--space-lg); }
.gap-xl  { gap: var(--space-xl); }


/* ----------------------------------------------------------
   6. Buttons
   ---------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  min-height: var(--tap-min);
  padding: 14px 32px;
  font-size: 1rem;
  font-weight: var(--font-weight-semi);
  line-height: 1;
  text-align: center;
  text-decoration: none;
  border: 2px solid transparent;
  border-radius: var(--radius-btn);
  cursor: pointer;
  transition: all var(--transition-base);
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--color-gold);
  color: var(--color-navy);
  border-color: var(--color-gold);
}

.btn-primary:hover,
.btn-primary:focus-visible {
  background-color: var(--color-gold-dark);
  border-color: var(--color-gold-dark);
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background-color: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

.btn-secondary:hover,
.btn-secondary:focus-visible {
  background-color: var(--color-navy-light);
  border-color: var(--color-navy-light);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn-outline:hover,
.btn-outline:focus-visible {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.btn-outline--white {
  color: var(--color-white);
  border-color: var(--color-white);
}

.btn-outline--white:hover,
.btn-outline--white:focus-visible {
  background-color: var(--color-white);
  color: var(--color-navy);
}

.btn-lg {
  padding: 18px 42px;
  font-size: var(--font-size-lg);
  min-height: 56px;
}

.btn-sm {
  padding: 10px 20px;
  font-size: var(--font-size-sm);
  min-height: 40px;
}

.btn-block {
  display: flex;
  width: 100%;
}


/* ----------------------------------------------------------
   7. Header / Navigation
   ---------------------------------------------------------- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background-color: var(--color-navy);
  height: var(--header-height);
  transition: box-shadow var(--transition-base);
}

.header--scrolled {
  box-shadow: var(--shadow-header);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

.header__logo img {
  height: 64px;
  width: auto;
}

.header__logo a {
  display: flex;
  align-items: center;
}

/* Desktop navigation */
.nav {
  display: none;
}

.nav__list {
  display: flex;
  align-items: center;
  gap: var(--space-xl);
}

.nav__link {
  color: var(--color-white);
  font-size: var(--font-size-lg);
  font-weight: var(--font-weight-medium);
  padding: var(--space-sm) 0;
  position: relative;
  transition: color var(--transition-fast);
}

.nav__link::after {
  content: "";
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-gold);
  transition: width var(--transition-base);
}

.nav__link:hover,
.nav__link--active {
  color: var(--color-gold);
}

.nav__link:hover::after,
.nav__link--active::after {
  width: 100%;
}

/* Header actions (phone + CTA) */
.header__actions {
  display: none;
  align-items: center;
  gap: var(--space-md);
}

.header__phone {
  color: var(--color-white);
  font-weight: var(--font-weight-semi);
  font-size: var(--font-size-lg);
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  min-height: var(--tap-min);
}

.header__phone:hover {
  color: var(--color-gold);
}

.header__phone svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.header__cta {
  padding: 14px 28px;
  font-size: 1rem;
}

/* Hamburger menu button */
.hamburger {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: var(--tap-min);
  height: var(--tap-min);
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-sm);
  z-index: 1001;
}

.hamburger__line {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--color-white);
  border-radius: 2px;
  transition: all var(--transition-base);
}

.hamburger__line + .hamburger__line {
  margin-top: 6px;
}

/* Hamburger active state */
.hamburger--active .hamburger__line:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.hamburger--active .hamburger__line:nth-child(2) {
  opacity: 0;
}

.hamburger--active .hamburger__line:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* Mobile menu */
.mobile-menu {
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background-color: var(--color-navy);
  padding: var(--space-xl) var(--space-lg);
  transform: translateX(100%);
  transition: transform var(--transition-base);
  z-index: 999;
  overflow-y: auto;
}

.mobile-menu--open {
  transform: translateX(0);
}

.mobile-menu__list {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.mobile-menu__link {
  color: var(--color-white);
  font-size: var(--font-size-xl);
  font-weight: var(--font-weight-medium);
  display: block;
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--color-navy-light);
}

.mobile-menu__link:hover,
.mobile-menu__link--active {
  color: var(--color-gold);
}

.mobile-menu__actions {
  margin-top: var(--space-2xl);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.mobile-menu__phone {
  color: var(--color-gold);
  font-size: var(--font-size-xl);
  font-weight: var(--font-weight-bold);
  text-align: center;
  display: block;
  padding: var(--space-md);
}

/* Desktop breakpoint */
@media (min-width: 1024px) {
  .hamburger {
    display: none;
  }

  .nav {
    display: block;
  }

  .header__actions {
    display: flex;
  }

  .mobile-menu {
    display: none;
  }
}


/* ----------------------------------------------------------
   8. Hero Sections
   ---------------------------------------------------------- */
.hero {
  position: relative;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  min-height: 540px;
  padding: calc(var(--header-height) + var(--space-2xl)) var(--space-lg) var(--space-4xl);
  background-color: var(--color-navy);
  background-image: url('../assets/images/seniors-hero.jpg');
  background-size: cover;
  background-position: center;
  overflow: hidden;
}

.hero--home {
  min-height: 600px;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(27, 42, 74, 0.65) 0%, rgba(45, 62, 95, 0.55) 100%);
  z-index: 1;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: var(--container-narrow);
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.hero__title {
  color: var(--color-white);
  font-size: var(--font-size-h1);
  margin-bottom: var(--space-lg);
}

.hero__subtitle {
  color: rgba(255, 255, 255, 0.9);
  font-size: var(--font-size-lg);
  line-height: 1.6;
  margin-bottom: var(--space-xl);
}

.hero__actions {
  display: flex;
  gap: var(--space-md);
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 768px) {
  .hero {
    min-height: 440px;
    padding-top: calc(var(--header-height) + var(--space-lg));
    padding-bottom: var(--space-2xl);
  }

  .hero--home {
    min-height: 500px;
  }

  .hero__title {
    font-size: 2rem;
  }

  .hero__subtitle {
    font-size: 1rem;
  }
}


/* ----------------------------------------------------------
   9. Cards
   ---------------------------------------------------------- */
.card {
  background-color: var(--color-white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-sm);
  padding: var(--space-xl);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.card--bordered {
  border: 1px solid var(--color-gray);
}

.card--featured {
  border: 2px solid var(--color-gold);
  position: relative;
}

.card--featured::before {
  content: "Featured";
  position: absolute;
  top: -1px;
  left: var(--space-xl);
  background-color: var(--color-gold);
  color: var(--color-navy);
  font-size: var(--font-size-xs);
  font-weight: var(--font-weight-bold);
  padding: var(--space-xs) var(--space-md);
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.card__icon {
  width: 56px;
  height: 56px;
  background-color: var(--color-off-white);
  border-radius: var(--radius-card);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  color: var(--color-gold);
  font-size: 1.5rem;
}

.card__title {
  font-size: var(--font-size-h4);
  margin-bottom: var(--space-sm);
}

.card__text {
  color: var(--color-text-light);
  margin-bottom: var(--space-md);
}

.card__link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  color: var(--color-gold-dark);
  font-weight: var(--font-weight-semi);
}

.card__link:hover {
  color: var(--color-navy);
}

.card--center {
  text-align: center;
}

.card--center .card__icon {
  margin-left: auto;
  margin-right: auto;
}


/* ----------------------------------------------------------
   10. Stats Bar
   ---------------------------------------------------------- */
.stats-bar {
  background-color: var(--color-navy);
  padding: var(--space-2xl) var(--space-lg);
}

.stats-bar__inner {
  max-width: var(--container-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  text-align: center;
}

.stats-bar__item {
  padding: var(--space-md);
}

.stats-bar__number {
  display: block;
  font-size: 2.5rem;
  font-weight: var(--font-weight-bold);
  color: var(--color-gold);
  line-height: 1;
  margin-bottom: var(--space-sm);
}

.stats-bar__label {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.85);
}

@media (min-width: 768px) {
  .stats-bar__inner {
    grid-template-columns: repeat(4, 1fr);
  }
}


/* ----------------------------------------------------------
   11. CTA Banner
   ---------------------------------------------------------- */
.cta-banner {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
  padding: var(--space-3xl) var(--space-lg);
  text-align: center;
}

.cta-banner__inner {
  max-width: var(--container-narrow);
  margin: 0 auto;
}

.cta-banner h2 {
  color: var(--color-white);
  margin-bottom: var(--space-md);
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.85);
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-xl);
}

.cta-banner__actions {
  display: flex;
  gap: var(--space-md);
  justify-content: center;
  flex-wrap: wrap;
}


/* ----------------------------------------------------------
   12. Forms
   ---------------------------------------------------------- */
.form-group {
  margin-bottom: var(--space-lg);
}

.form-label {
  display: block;
  font-weight: var(--font-weight-semi);
  margin-bottom: var(--space-sm);
  color: var(--color-navy);
}

.form-label--required::after {
  content: " *";
  color: var(--color-error);
}

.form-input,
.form-textarea,
.form-select {
  display: block;
  width: 100%;
  padding: 14px var(--space-md);
  font-size: 1rem;
  line-height: 1.5;
  color: var(--color-text);
  background-color: var(--color-white);
  border: 2px solid var(--color-gray);
  border-radius: var(--radius-btn);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  min-height: var(--tap-min);
}

.form-input:focus,
.form-textarea:focus,
.form-select:focus {
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(197, 165, 90, 0.2);
  outline: none;
}

.form-input::placeholder,
.form-textarea::placeholder {
  color: var(--color-gray-dark);
}

.form-textarea {
  resize: vertical;
  min-height: 140px;
}

.form-input--error {
  border-color: var(--color-error);
}

.form-error {
  display: none;
  color: var(--color-error);
  font-size: var(--font-size-sm);
  margin-top: var(--space-xs);
}

.form-input--error + .form-error {
  display: block;
}

/* Checkbox / consent */
.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  cursor: pointer;
}

.form-checkbox input[type="checkbox"] {
  width: 22px;
  height: 22px;
  min-width: 22px;
  margin-top: 2px;
  accent-color: var(--color-gold);
  cursor: pointer;
}

.form-checkbox__text {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.5;
}


/* ----------------------------------------------------------
   13. Footer
   ---------------------------------------------------------- */
.footer {
  background-color: var(--color-navy-dark);
  color: rgba(255, 255, 255, 0.8);
  padding-top: var(--space-3xl);
  padding-bottom: var(--space-lg);
}

.footer__inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

.footer__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
  padding-bottom: var(--space-2xl);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__brand img {
  height: 40px;
  margin-bottom: var(--space-md);
}

.footer__brand p {
  font-size: var(--font-size-sm);
  line-height: 1.6;
  max-width: 280px;
}

.footer__heading {
  color: var(--color-white);
  font-size: var(--font-size-h6);
  font-weight: var(--font-weight-bold);
  margin-bottom: var(--space-md);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer__links li {
  margin-bottom: var(--space-sm);
}

.footer__links a {
  color: rgba(255, 255, 255, 0.7);
  font-size: var(--font-size-sm);
  transition: color var(--transition-fast);
}

.footer__links a:hover {
  color: var(--color-gold);
}

.footer__contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
  font-size: var(--font-size-sm);
}

.footer__contact-item svg {
  width: 18px;
  height: 18px;
  fill: var(--color-gold);
  flex-shrink: 0;
  margin-top: 3px;
}

.footer__contact-item a {
  color: rgba(255, 255, 255, 0.7);
}

.footer__contact-item a:hover {
  color: var(--color-gold);
}

.footer__bottom {
  padding-top: var(--space-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  font-size: var(--font-size-xs);
  color: rgba(255, 255, 255, 0.5);
}

.footer__bottom a {
  color: rgba(255, 255, 255, 0.5);
}

.footer__bottom a:hover {
  color: var(--color-gold);
}

.footer__disclaimer {
  font-size: var(--font-size-xs);
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.4);
  margin-top: var(--space-md);
}

@media (min-width: 768px) {
  .footer__grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }

  .footer__bottom {
    flex-direction: row;
    justify-content: space-between;
  }
}


/* ----------------------------------------------------------
   14. Sticky Mobile CTA Bar
   ---------------------------------------------------------- */
.sticky-cta {
  display: flex;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 998;
  background-color: var(--color-navy);
  padding: var(--space-sm) var(--space-md);
  gap: var(--space-sm);
  align-items: center;
  justify-content: center;
  box-shadow: 0 -2px 12px rgba(0, 0, 0, 0.2);
}

.sticky-cta__phone {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-xs);
  flex: 1;
  min-height: var(--tap-min);
  color: var(--color-white);
  font-weight: var(--font-weight-bold);
  font-size: var(--font-size-sm);
  background-color: var(--color-navy-light);
  border-radius: var(--radius-btn);
  padding: var(--space-sm) var(--space-md);
}

.sticky-cta__phone svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.sticky-cta__phone:hover {
  color: var(--color-gold);
}

.sticky-cta__btn {
  flex: 1;
  min-height: var(--tap-min);
  padding: var(--space-sm) var(--space-md);
  font-size: var(--font-size-sm);
}

@media (min-width: 1024px) {
  .sticky-cta {
    display: none;
  }
}

/* Add padding to body to account for sticky CTA on mobile */
body {
  padding-top: var(--header-height);
}

@media (max-width: 1023px) {
  body {
    padding-bottom: 68px;
  }
}


/* ----------------------------------------------------------
   15. Reviews / Testimonials
   ---------------------------------------------------------- */
.reviews-callout {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-md);
  padding: var(--space-xl);
  background-color: var(--color-off-white);
  border-radius: var(--radius-card);
  flex-wrap: wrap;
  text-align: center;
}

.reviews-callout__stars {
  color: var(--color-gold);
  font-size: 1.5rem;
  letter-spacing: 2px;
}

.reviews-callout__text {
  font-weight: var(--font-weight-semi);
  color: var(--color-navy);
}

.reviews-callout__link {
  color: var(--color-gold-dark);
  font-weight: var(--font-weight-semi);
  text-decoration: underline;
}


/* ----------------------------------------------------------
   16. Process / Steps
   ---------------------------------------------------------- */
.steps {
  counter-reset: step-counter;
}

.step {
  display: flex;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
  align-items: flex-start;
}

.step__number {
  counter-increment: step-counter;
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  background-color: var(--color-gold);
  color: var(--color-navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--font-size-xl);
  font-weight: var(--font-weight-bold);
}

.step__content h3 {
  margin-bottom: var(--space-sm);
}

.step__content p {
  color: var(--color-text-light);
}


/* ----------------------------------------------------------
   17. Two-column layout
   ---------------------------------------------------------- */
.two-col {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-2xl);
  align-items: start;
}

@media (min-width: 768px) {
  .two-col {
    grid-template-columns: 1fr 1fr;
  }
}

.two-col--reverse {
  direction: ltr;
}

@media (min-width: 768px) {
  .two-col--40-60 {
    grid-template-columns: 2fr 3fr;
  }

  .two-col--60-40 {
    grid-template-columns: 3fr 2fr;
  }
}


/* ----------------------------------------------------------
   18. Map / Embed container
   ---------------------------------------------------------- */
.embed-container {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%;
  height: 0;
  overflow: hidden;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-sm);
}

.embed-container iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: 0;
}


/* ----------------------------------------------------------
   19. Values / Features list
   ---------------------------------------------------------- */
.feature-list {
  list-style: none;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
  font-size: 1rem;
}

.feature-list li::before {
  content: "\2713";
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  background-color: var(--color-gold);
  color: var(--color-navy);
  border-radius: 50%;
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-bold);
  margin-top: 2px;
}


/* ----------------------------------------------------------
   20. Scroll Animations
   ---------------------------------------------------------- */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in--visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-left {
  opacity: 0;
  transform: translateX(-24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in-left--visible {
  opacity: 1;
  transform: translateX(0);
}

.fade-in-right {
  opacity: 0;
  transform: translateX(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in-right--visible {
  opacity: 1;
  transform: translateX(0);
}

/* Stagger children */
.stagger > * {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}

.stagger--visible > *:nth-child(1) { transition-delay: 0s; }
.stagger--visible > *:nth-child(2) { transition-delay: 0.1s; }
.stagger--visible > *:nth-child(3) { transition-delay: 0.2s; }
.stagger--visible > *:nth-child(4) { transition-delay: 0.3s; }
.stagger--visible > *:nth-child(5) { transition-delay: 0.4s; }

.stagger--visible > * {
  opacity: 1;
  transform: translateY(0);
}

/* Respect reduced motion preferences */
@media (prefers-reduced-motion: reduce) {
  .fade-in,
  .fade-in-left,
  .fade-in-right,
  .stagger > * {
    opacity: 1;
    transform: none;
    transition: none;
  }
}


/* ----------------------------------------------------------
   21. Utility Classes
   ---------------------------------------------------------- */
.mt-0  { margin-top: 0; }
.mt-sm { margin-top: var(--space-sm); }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }
.mt-2xl { margin-top: var(--space-2xl); }

.mb-0  { margin-bottom: 0; }
.mb-sm { margin-bottom: var(--space-sm); }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.mb-xl { margin-bottom: var(--space-xl); }
.mb-2xl { margin-bottom: var(--space-2xl); }

.pt-0  { padding-top: 0; }
.pb-0  { padding-bottom: 0; }

.hidden { display: none; }

@media (max-width: 767px) {
  .hidden-mobile { display: none; }
}

@media (min-width: 768px) {
  .hidden-desktop { display: none; }
}


/* ----------------------------------------------------------
   22. Gold Shield Emblem
   ---------------------------------------------------------- */
.gold-shield {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 72px;
  position: relative;
}

.gold-shield__svg {
  width: 100%;
  height: 100%;
}

.footer__brand .gold-shield {
  margin-bottom: var(--space-md);
}


/* ----------------------------------------------------------
   23. Print Styles
   ---------------------------------------------------------- */
@media print {
  *,
  *::before,
  *::after {
    background: transparent !important;
    color: #000 !important;
    box-shadow: none !important;
    text-shadow: none !important;
  }

  body {
    padding-top: 0;
    padding-bottom: 0;
    font-size: 12pt;
    line-height: 1.5;
  }

  .header,
  .sticky-cta,
  .mobile-menu,
  .hamburger {
    display: none !important;
  }

  .hero {
    min-height: auto;
    padding: 20px 0;
    page-break-after: avoid;
  }

  .hero__overlay {
    display: none;
  }

  .hero__title {
    color: #000 !important;
  }

  .hero__subtitle {
    color: #333 !important;
  }

  .section {
    padding: 20px 0;
  }

  .container {
    max-width: 100%;
    padding: 0;
  }

  .card {
    box-shadow: none;
    border: 1px solid #ccc;
    page-break-inside: avoid;
  }

  a[href]::after {
    content: " (" attr(href) ")";
    font-size: 10pt;
    color: #666;
  }

  nav a[href]::after,
  .btn::after {
    content: none;
  }

  .footer {
    padding: 20px 0;
  }

  .fade-in,
  .fade-in-left,
  .fade-in-right {
    opacity: 1 !important;
    transform: none !important;
  }
}