/* TFD Insurance - Main Stylesheet */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --navy: #1B2A4A;
  --navy-light: #2D4373;
  --blue: #3B82F6;
  --blue-dark: #2563EB;
  --blue-light: #DBEAFE;
  --green: #16A34A;
  --green-light: #DCFCE7;
  --orange: #F59E0B;
  --white: #FFFFFF;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;
  --font-heading: 'DM Serif Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --shadow-sm: 0 1px 2px rgba(0,0,0,.05);
  --shadow: 0 1px 3px rgba(0,0,0,.1), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,.07), 0 2px 4px rgba(0,0,0,.06);
  --shadow-lg: 0 10px 15px rgba(0,0,0,.1), 0 4px 6px rgba(0,0,0,.05);
  --shadow-xl: 0 20px 25px rgba(0,0,0,.1), 0 8px 10px rgba(0,0,0,.04);
  --radius: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --max-width: 1200px;
  --transition: .2s ease;
}

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

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); color: var(--navy); line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }

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

img { max-width: 100%; height: auto; display: block; }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-body); font-weight: 600; font-size: 1rem;
  padding: 14px 32px; border-radius: var(--radius); border: none; cursor: pointer;
  transition: all var(--transition); text-decoration: none; line-height: 1;
}
.btn-primary {
  background: var(--green); color: var(--white);
  box-shadow: 0 2px 8px rgba(22,163,74,.3);
}
.btn-primary:hover { background: #15803D; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(22,163,74,.4); color: var(--white); }
.btn-secondary {
  background: var(--blue); color: var(--white);
  box-shadow: 0 2px 8px rgba(59,130,246,.3);
}
.btn-secondary:hover { background: var(--blue-dark); transform: translateY(-1px); color: var(--white); }
.btn-outline {
  background: transparent; color: var(--navy); border: 2px solid var(--gray-300);
}
.btn-outline:hover { border-color: var(--blue); color: var(--blue); }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; border-radius: var(--radius-lg); }

/* ===== HEADER / NAV ===== */
.site-header {
  background: var(--white); border-bottom: 1px solid var(--gray-200);
  position: sticky; top: 0; z-index: 100; backdrop-filter: blur(8px);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  max-width: var(--max-width); margin: 0 auto; padding: 0 24px; height: 72px;
}
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon {
  width: 40px; height: 40px; background: var(--navy); border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 1.1rem; color: var(--white); font-weight: 700;
}
.logo-text { font-family: var(--font-heading); font-size: 1.4rem; color: var(--navy); }
.logo-text span { color: var(--blue); }

nav { display: flex; align-items: center; gap: 32px; }
nav a { color: var(--gray-600); font-weight: 500; font-size: .95rem; transition: color var(--transition); }
nav a:hover, nav a.active { color: var(--navy); }
.nav-cta { font-size: .9rem !important; padding: 10px 24px !important; }

.mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.mobile-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: all .3s; }

.phone-bar {
  background: var(--navy); color: var(--white); text-align: center;
  padding: 8px 16px; font-size: .9rem;
}
.phone-bar a { color: var(--white); font-weight: 600; }
.phone-bar a:hover { color: var(--blue-light); }

/* ===== HERO ===== */
.hero {
  background:
    linear-gradient(100deg, rgba(13,23,46,0.88) 0%, rgba(13,23,46,0.65) 30%, rgba(13,23,46,0.25) 60%, rgba(13,23,46,0.05) 100%),
    url('/images/hero.jpg') right top/cover no-repeat;
  color: var(--white); padding: 80px 0 120px; position: relative;
}
.hero .container { max-width: 1340px; }
@media (max-width: 968px) {
  .hero {
    background:
      linear-gradient(180deg, rgba(13,23,46,0.85) 0%, rgba(13,23,46,0.78) 100%),
      url('/images/hero.jpg') center/cover no-repeat;
  }
}
.hero::before {
  content: ''; position: absolute; top: -50%; right: -20%; width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(59,130,246,.15) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: ''; position: absolute; bottom: -30%; left: -10%; width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(22,163,74,.1) 0%, transparent 70%);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.hero h1 { color: var(--white); margin-bottom: 20px; font-size: clamp(2.2rem, 5vw, 3.4rem); }
.hero-content p { font-size: 1.15rem; color: rgba(255,255,255,.85); margin-bottom: 32px; line-height: 1.7; max-width: 520px; }
.hero-stats { display: flex; gap: 40px; margin-top: 40px; }
.hero-stat { text-align: center; }
.hero-stat .num { font-family: var(--font-heading); font-size: 2rem; color: var(--white); display: block; }
.hero-stat .label { font-size: .85rem; color: rgba(255,255,255,.7); }

/* Quote form card */
.quote-card {
  background: var(--white); border-radius: var(--radius-xl); padding: 32px 32px 28px;
  box-shadow: var(--shadow-xl); color: var(--gray-800);
  max-width: 480px; margin-left: auto; width: 100%;
}
.quote-card h3 { margin-bottom: 4px; font-size: 1.5rem; }
.quote-card .subtitle { color: var(--gray-500); margin-bottom: 24px; font-size: .95rem; }
.form-group { margin-bottom: 12px; }
.form-group label { display: block; font-weight: 600; font-size: .85rem; color: var(--gray-700); margin-bottom: 6px; text-transform: uppercase; letter-spacing: .5px; }
.form-group input, .form-group select {
  width: 100%; padding: 12px 16px; border: 2px solid var(--gray-200); border-radius: var(--radius);
  font-size: 1rem; font-family: var(--font-body); color: var(--gray-800); transition: border var(--transition);
  background: var(--gray-50);
}
.form-group input:focus, .form-group select:focus { border-color: var(--blue); outline: none; background: var(--white); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quote-card .btn { width: 100%; margin-top: 8px; }
.quote-card .form-disclosure {
  font-size: .75rem; color: var(--gray-600); margin-top: 12px; line-height: 1.5; margin-bottom: 0; max-width: none;
}
.quote-card .form-disclosure a { color: var(--blue); text-decoration: underline; font-size: .75rem; }

/* ===== TRUST BAR ===== */
.trust-bar { background: var(--gray-50); border-bottom: 1px solid var(--gray-200); padding: 24px 0; }
.trust-logos {
  display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap;
  opacity: .6;
}
.trust-logos img { height: 32px; filter: grayscale(100%); transition: all var(--transition); }
.trust-logos img:hover { filter: grayscale(0); opacity: 1; }
.trust-label { font-size: .85rem; color: var(--gray-400); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; margin-right: 20px; }

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-title { text-align: center; margin-bottom: 16px; }
.section-subtitle { text-align: center; color: var(--gray-500); max-width: 600px; margin: 0 auto 48px; font-size: 1.05rem; }

/* ===== HOW IT WORKS ===== */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.step-card {
  text-align: center; padding: 40px 28px; background: var(--white);
  border-radius: var(--radius-xl); box-shadow: var(--shadow); transition: all var(--transition);
  position: relative;
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.step-num {
  width: 56px; height: 56px; background: var(--blue-light); color: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 1.5rem; margin: 0 auto 20px;
}
.step-card h3 { margin-bottom: 12px; }
.step-card p { color: var(--gray-500); font-size: .95rem; }

/* ===== BENEFITS ===== */
.benefits-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.benefit-card {
  display: flex; gap: 20px; padding: 28px; background: var(--white);
  border-radius: var(--radius-lg); border: 1px solid var(--gray-200);
  transition: all var(--transition);
}
.benefit-card:hover { border-color: var(--blue); box-shadow: var(--shadow-md); }
.benefit-icon {
  flex-shrink: 0; width: 52px; height: 52px; background: var(--green-light);
  border-radius: var(--radius); display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.benefit-card h4 { margin-bottom: 6px; }
.benefit-card p { color: var(--gray-500); font-size: .9rem; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 32px;
  box-shadow: var(--shadow); border: 1px solid var(--gray-100);
}
.testimonial-stars { color: var(--orange); font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: .95rem; color: var(--gray-600); margin-bottom: 20px; font-style: italic; line-height: 1.7; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 44px; height: 44px; border-radius: 50%; background: var(--blue-light);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; color: var(--blue); font-size: .9rem;
}
.testimonial-name { font-weight: 600; font-size: .9rem; }
.testimonial-loc { color: var(--gray-400); font-size: .8rem; }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white); padding: 64px 0; text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,.8); margin-bottom: 32px; font-size: 1.1rem; }

/* ===== FAQ ===== */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-200); border-radius: var(--radius-lg);
  margin-bottom: 12px; overflow: hidden; background: var(--white);
}
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; cursor: pointer; font-weight: 600; color: var(--navy);
  background: none; border: none; width: 100%; text-align: left;
  font-family: var(--font-body); font-size: 1rem; transition: background var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-arrow { transition: transform .3s; font-size: 1.2rem; color: var(--gray-400); }
.faq-item.active .faq-arrow { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height .3s ease;
  padding: 0 24px; color: var(--gray-600); line-height: 1.7;
}
.faq-item.active .faq-answer { max-height: 500px; padding: 0 24px 20px; }

/* ===== ARTICLES ===== */
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card {
  background: var(--white); border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--gray-100);
  transition: all var(--transition);
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.article-card-img {
  height: 200px; background: var(--gray-100); overflow: hidden;
}
.article-card-img img { width: 100%; height: 100%; object-fit: cover; }
.article-card-body { padding: 24px; }
.article-card-tag {
  font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .5px;
  color: var(--blue); margin-bottom: 8px; display: inline-block;
}
.article-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.article-card h3 a { color: var(--navy); }
.article-card h3 a:hover { color: var(--blue); }
.article-card p { color: var(--gray-500); font-size: .9rem; line-height: 1.6; }
.article-card-meta { margin-top: 16px; font-size: .8rem; color: var(--gray-400); }

/* ===== ARTICLE PAGE ===== */
.article-hero { background: var(--gray-50); padding: 60px 0 40px; border-bottom: 1px solid var(--gray-200); }
.article-hero .breadcrumb { font-size: .85rem; color: var(--gray-400); margin-bottom: 16px; }
.article-hero .breadcrumb a { color: var(--gray-500); }
.article-hero h1 { max-width: 800px; margin-bottom: 16px; }
.article-hero .article-meta { color: var(--gray-500); font-size: .9rem; }
.article-content { max-width: 800px; margin: 0 auto; padding: 48px 24px 80px; }
.article-content h2 { margin: 40px 0 16px; }
.article-content h3 { margin: 32px 0 12px; }
.article-content p { margin-bottom: 16px; color: var(--gray-700); }
.article-content ul, .article-content ol { margin: 0 0 16px 24px; color: var(--gray-700); }
.article-content li { margin-bottom: 8px; }
.article-content .callout {
  background: var(--blue-light); border-left: 4px solid var(--blue);
  padding: 20px 24px; border-radius: 0 var(--radius) var(--radius) 0;
  margin: 24px 0; font-size: .95rem;
}
.article-content .callout strong { color: var(--navy); }
.article-sidebar-cta {
  background: var(--navy); color: var(--white); padding: 32px; border-radius: var(--radius-xl);
  text-align: center; margin: 40px 0;
}
.article-sidebar-cta h3 { color: var(--white); margin-bottom: 12px; }
.article-sidebar-cta p { color: rgba(255,255,255,.8); margin-bottom: 20px; font-size: .95rem; }
.related-articles { margin-top: 60px; padding-top: 40px; border-top: 1px solid var(--gray-200); }

/* ===== FOOTER ===== */
.site-footer { background: var(--gray-900); color: var(--gray-400); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand .logo-text { color: var(--white); }
.footer-brand p { margin-top: 16px; font-size: .9rem; line-height: 1.7; color: var(--gray-400); max-width: 300px; }
.footer-col h4 { color: var(--white); font-family: var(--font-body); font-weight: 600; margin-bottom: 16px; font-size: .95rem; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: var(--gray-400); font-size: .9rem; }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); padding: 24px 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: .8rem; }
.footer-legal { font-size: .75rem; color: var(--gray-500); line-height: 1.6; padding: 24px 0; border-top: 1px solid rgba(255,255,255,.05); }

/* ===== LEGAL PAGES ===== */
.legal-page { padding: 60px 0 80px; }
.legal-page h1 { margin-bottom: 8px; }
.legal-page .updated { color: var(--gray-400); margin-bottom: 32px; font-size: .9rem; }
.legal-content { max-width: 800px; }
.legal-content h2 { margin: 36px 0 12px; font-size: 1.4rem; }
.legal-content h3 { margin: 24px 0 8px; font-size: 1.1rem; }
.legal-content p { margin-bottom: 14px; color: var(--gray-600); }
.legal-content ul { margin: 0 0 14px 20px; color: var(--gray-600); }
.legal-content li { margin-bottom: 6px; }

/* ===== ABOUT PAGE ===== */
.about-hero { background: var(--navy); color: var(--white); padding: 80px 0; text-align: center; }
.about-hero h1 { color: var(--white); margin-bottom: 16px; }
.about-hero p { color: rgba(255,255,255,.8); max-width: 600px; margin: 0 auto; font-size: 1.1rem; }

/* ===== RESPONSIVE ===== */
@media (max-width: 968px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .benefits-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .articles-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  nav { display: none; }
  .mobile-toggle { display: block; }
  nav.open { display: flex; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); padding: 24px; border-bottom: 1px solid var(--gray-200); box-shadow: var(--shadow-lg); }
}
@media (max-width: 640px) {
  .hero { padding: 48px 0 64px; }
  .hero-stats { flex-direction: column; gap: 16px; align-items: flex-start; }
  .quote-card { padding: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 48px 0; }
  .articles-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}