/* ============================================================
   Turner America Insurance — Shared Stylesheet
   ============================================================ */

:root {
  --navy:       #1e3a4a;
  --navy-dark:  #122530;
  --blue:       #1a80a2;
  --blue-dark:  #136480;
  --blue-light: #e3f4f8;
  --green:      #3d7a52;
  --green-light:#e6f2ea;
  --gold:       #c8922a;
  --gold-light: #fef3e2;
  --warm-bg:    #faf7f4;
  --gray:       #f8f9fa;
  --gray-mid:   #e9ecef;
  --text:       #1a2332;
  --muted:      #6c757d;
  --white:      #ffffff;
  --shadow:     0 2px 16px rgba(0,0,0,.09);
  --radius:     10px;
  --font:       -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  line-height: 1.65;
  background: var(--white);
}

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

/* ── Typography ─────────────────────────────────────────── */
h1, h2, h3, h4 { line-height: 1.25; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); }
h3 { font-size: 1.2rem; }

.section-label {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 10px;
}

/* ── Layout ─────────────────────────────────────────────── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section   { padding: 80px 0; }
.section-alt { background: var(--gray); }

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-dark); text-decoration: none; }
.btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.7); }
.btn-outline:hover { background: rgba(255,255,255,.12); text-decoration: none; }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-dark); text-decoration: none; }
.btn-white { background: var(--white); color: var(--blue); }
.btn-white:hover { background: var(--blue-light); text-decoration: none; }
.btn-sm { padding: 9px 20px; font-size: 13px; }

/* ── Header / Nav ────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--gray-mid);
  box-shadow: 0 1px 8px rgba(0,0,0,.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo-link { display: flex; align-items: center; gap: 10px; text-decoration: none; background: var(--white); border-radius: 6px; padding: 2px 8px 2px 0; }
.logo-link img { height: 68px; width: auto; max-height: 68px; object-fit: contain; display: block; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  padding: 8px 14px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  text-decoration: none;
  transition: background .15s;
}
.main-nav a:hover, .main-nav a.active { background: var(--blue-light); color: var(--blue); }
.nav-assessment { background: var(--navy) !important; color: var(--white) !important; border-radius: 6px; }
.nav-assessment:hover { background: var(--navy-dark) !important; color: var(--white) !important; }

.header-cta { display: flex; align-items: center; gap: 10px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all .25s; }

.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--gray-mid);
  padding: 12px 24px 20px;
}
.mobile-nav a {
  display: block;
  padding: 11px 0;
  border-bottom: 1px solid var(--gray-mid);
  font-size: 15px;
  font-weight: 500;
  color: var(--text);
  text-decoration: none;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { margin-top: 14px; width: 100%; justify-content: center; }
.mobile-nav.open { display: flex; }

/* ── Hero ─────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, rgba(18,37,48,0.88) 0%, rgba(26,58,74,0.80) 100%),
              url('../images/bg-home.jpg') center/cover no-repeat;
  color: var(--white);
  padding: 100px 0 90px;
  position: relative;
  overflow: hidden;
}
.hero-inner { position: relative; z-index: 1; max-width: 720px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 100px;
  padding: 5px 14px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 22px;
}
.hero h1 { margin-bottom: 18px; }
.hero p { font-size: 1.1rem; opacity: .88; margin-bottom: 32px; max-width: 560px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 44px; }
.trust-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 28px;
}
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 14px; opacity: .85; }
.trust-icon { font-size: 18px; }

/* ── Page Hero (inner pages) ─────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, rgba(18,37,48,0.88) 0%, rgba(26,58,74,0.80) 100%),
              var(--navy-dark) center/cover no-repeat;
  color: var(--white);
  padding: 72px 0;
}
.page-hero h1 { margin-bottom: 10px; }
.page-hero p  { font-size: 1.05rem; opacity: .88; max-width: 560px; }
.breadcrumb { font-size: 13px; opacity: .65; margin-bottom: 14px; }
.breadcrumb a { color: inherit; text-decoration: underline; }

/* ── Cards ────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 6px 28px rgba(0,0,0,.13); }
.card-top-bar { height: 5px; }
.card-body { padding: 28px; }
.card-icon { font-size: 36px; margin-bottom: 14px; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: 14px; color: var(--muted); margin-bottom: 16px; }

.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }

/* ── Product Feature List ──────────────────────────────────── */
.feature-list { list-style: none; margin: 16px 0; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--gray-mid);
  font-size: 14px;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .check { color: var(--green); font-size: 16px; flex-shrink: 0; margin-top: 1px; }

/* ── Two-column layout ────────────────────────────────────── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.two-col.reverse .col-image { order: -1; }
@media(max-width:768px) { .two-col { grid-template-columns: 1fr; gap: 36px; } }

/* ── Steps ────────────────────────────────────────────────── */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.step-card { text-align: center; }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-size: 20px;
  font-weight: 700;
  margin: 0 auto 16px;
}
.step-card h3 { margin-bottom: 8px; }
.step-card p  { font-size: 14px; color: var(--muted); }

/* ── Why section ──────────────────────────────────────────── */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 24px; }
.why-item { padding: 24px; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); }
.why-item .icon { font-size: 28px; margin-bottom: 10px; }
.why-item h3 { font-size: 1rem; margin-bottom: 6px; }
.why-item p  { font-size: 13px; color: var(--muted); }

/* ── CTA Banner ───────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  color: var(--white);
  padding: 72px 0;
  text-align: center;
}
.cta-banner h2 { margin-bottom: 14px; }
.cta-banner p  { font-size: 1.05rem; opacity: .88; margin-bottom: 32px; max-width: 500px; margin-left: auto; margin-right: auto; }
.cta-banner .btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── Reviews placeholder ──────────────────────────────────── */
/* .reviews-section { padding: 80px 0; } */
/* Add reviews here when ready */

/* ── Contact form ─────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 60px; align-items: start; }
@media(max-width:768px) { .contact-grid { grid-template-columns: 1fr; gap: 36px; } }

.contact-info h3 { margin-bottom: 20px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail .ci-icon { font-size: 22px; flex-shrink: 0; margin-top: 2px; }
.contact-detail h4 { font-size: 14px; font-weight: 600; margin-bottom: 2px; }
.contact-detail p  { font-size: 14px; color: var(--muted); }

.contact-form { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); padding: 36px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media(max-width:500px) { .form-row { grid-template-columns: 1fr; } }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: #444; margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--gray-mid);
  border-radius: 7px;
  font-size: 14px;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  transition: border .2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--blue); }
.form-success { display: none; background: var(--green-light); border: 1px solid #a5d6a7; border-radius: 8px; padding: 14px 18px; color: var(--green); font-weight: 500; margin-top: 12px; }
.form-error   { display: none; background: #ffebee; border: 1px solid #ef9a9a; border-radius: 8px; padding: 14px 18px; color: #c62828; margin-top: 12px; }

/* ── Product highlight box ────────────────────────────────── */
.highlight-box {
  background: var(--blue-light);
  border-left: 4px solid var(--blue);
  border-radius: 0 8px 8px 0;
  padding: 18px 22px;
  margin: 20px 0;
  font-size: 14px;
}
.highlight-box strong { color: var(--blue); }

.highlight-box-green {
  background: var(--green-light);
  border-left: 4px solid var(--green);
  border-radius: 0 8px 8px 0;
  padding: 18px 22px;
  margin: 20px 0;
  font-size: 14px;
}
.highlight-box-green strong { color: var(--green); }

/* ── Stat row ─────────────────────────────────────────────── */
.stat-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 24px; margin: 40px 0; }
.stat-item { text-align: center; }
.stat-num  { font-size: 2.4rem; font-weight: 700; color: var(--blue); line-height: 1; margin-bottom: 6px; }
.stat-label{ font-size: 13px; color: var(--muted); }

/* ── Team card ────────────────────────────────────────────── */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 28px; }
.team-card { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; text-align: center; }
.team-photo { width: 100%; aspect-ratio: 1; object-fit: cover; background: var(--gray); }
.team-photo-placeholder { width: 100%; aspect-ratio: 1; background: linear-gradient(135deg, var(--navy) 0%, #1e4a7a 100%); display: flex; align-items: center; justify-content: center; font-size: 56px; }
.team-info { padding: 20px; }
.team-info h3 { margin-bottom: 4px; }
.team-info p  { font-size: 13px; color: var(--blue); font-weight: 500; margin-bottom: 8px; }
.team-info .bio { font-size: 13px; color: var(--muted); }

/* ── Footer ───────────────────────────────────────────────── */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,.85); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
@media(max-width:900px)  { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media(max-width:550px)  { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand img { height: 40px; width: auto; margin-bottom: 14px; filter: brightness(0) invert(1); opacity: .85; }
.footer-brand p   { font-size: 13px; color: rgba(255,255,255,.55); max-width: 280px; line-height: 1.7; }
.footer-social    { display: flex; gap: 10px; margin-top: 16px; }
.footer-social a  { display: flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,.1); color: rgba(255,255,255,.75); font-size: 15px; transition: background .2s; text-decoration: none; }
.footer-social a:hover { background: var(--blue); }

.footer-col h4    { font-size: 13px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 16px; }
.footer-col ul    { list-style: none; }
.footer-col li    { margin-bottom: 10px; }
.footer-col a     { color: rgba(255,255,255,.75); font-size: 14px; text-decoration: none; transition: color .15s; }
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 12px;
  color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-disclaimer {
  background: rgba(0,0,0,.2);
  padding: 16px 0;
  font-size: 11px;
  color: rgba(255,255,255,.35);
  text-align: center;
  line-height: 1.6;
}

/* ── Annuity types table ──────────────────────────────────── */
.type-table { width: 100%; border-collapse: collapse; font-size: 14px; margin: 24px 0; }
.type-table th { background: var(--navy); color: var(--white); padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.type-table td { padding: 12px 16px; border-bottom: 1px solid var(--gray-mid); vertical-align: top; }
.type-table tr:last-child td { border-bottom: none; }
.type-table tr:nth-child(even) td { background: var(--gray); }

/* ── Accordion ────────────────────────────────────────────── */
.accordion-item { border: 1px solid var(--gray-mid); border-radius: 8px; margin-bottom: 10px; overflow: hidden; }
.accordion-header { display: flex; justify-content: space-between; align-items: center; padding: 16px 20px; cursor: pointer; font-weight: 600; font-size: 15px; background: var(--white); user-select: none; }
.accordion-header:hover { background: var(--gray); }
.accordion-icon { font-size: 18px; transition: transform .25s; flex-shrink: 0; }
.accordion-header.open .accordion-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 20px 18px; font-size: 14px; color: var(--muted); line-height: 1.7; }
.accordion-body.open { display: block; }

/* ── Utilities ────────────────────────────────────────────── */
.text-center { text-align: center; }
.text-muted  { color: var(--muted); }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.section-header { text-align: center; max-width: 620px; margin: 0 auto 48px; }
.section-header p { color: var(--muted); font-size: 1.05rem; margin-top: 10px; }

/* ── SVG Icon containers ──────────────────────────────────── */
.why-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  background: var(--blue-light);
  color: var(--blue);
  flex-shrink: 0;
}
.why-icon.gold  { background: var(--gold-light); color: var(--gold); }
.why-icon.green { background: var(--green-light); color: var(--green); }
.why-icon.navy  { background: rgba(44,62,80,.08); color: var(--navy); }

.card-icon-svg {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}

/* ── Warm / personal section ──────────────────────────────── */
.section-warm { background: var(--warm-bg); }
.quote-block {
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  background: var(--white);
  padding: 36px;
  box-shadow: var(--shadow);
}
.quote-mark { font-size: 56px; line-height: 1; color: var(--gold); font-family: Georgia, serif; margin-bottom: 12px; }
.quote-text { font-size: 1.05rem; line-height: 1.85; color: var(--text); font-style: italic; margin-bottom: 24px; }
.quote-author { display: flex; align-items: center; gap: 14px; }
.quote-avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, #1e4a7a 100%);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 15px; flex-shrink: 0;
}
.quote-name { font-size: 14px; font-weight: 600; color: var(--text); }
.quote-title { font-size: 13px; color: var(--muted); }

/* ── Trust bar (hero) ─────────────────────────────────────── */
.trust-item svg { flex-shrink: 0; opacity: .8; }

/* ── Contact info icons ───────────────────────────────────── */
.ci-icon { flex-shrink: 0; margin-top: 2px; color: var(--blue); }

/* ── Carrier logo ticker ──────────────────────────────────── */
.carriers-section {
  padding: 52px 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-mid);
}
.carriers-intro {
  text-align: center;
  margin-bottom: 36px;
}
.carriers-intro .section-label { display: block; margin-bottom: 6px; }
.carriers-intro p {
  font-size: 1rem;
  color: var(--muted);
  margin-top: 6px;
}

.carriers-track-outer {
  overflow: hidden;
  position: relative;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 12%, #000 88%, transparent 100%);
  mask-image:         linear-gradient(to right, transparent 0%, #000 12%, #000 88%, transparent 100%);
}

.carriers-track {
  display: flex;
  width: max-content;
  animation: carriers-scroll 60s linear infinite;
}
.carriers-track:hover { animation-play-state: paused; }

.carrier-item {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 36px;
  flex-shrink: 0;
  user-select: none;
  cursor: default;
}
.carrier-item img {
  display: block;
  width: 130px;
  height: 38px;
  object-fit: contain;
  object-position: center;
  filter: grayscale(100%) opacity(0.38);
  transition: filter .3s;
}
.carrier-item:hover img { filter: grayscale(0%) opacity(1); }

@keyframes carriers-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── Responsive ───────────────────────────────────────────── */
@media(max-width: 900px) {
  .main-nav, .header-cta .btn { display: none; }
  .hamburger { display: flex; }
  .section { padding: 56px 0; }
  .hero { padding: 72px 0 64px; }
}
@media(max-width: 480px) {
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }
}