/* ==========================================================================
   Khueman Insurance — Site Stylesheet
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  --navy-950:#071b33;
  --navy-900:#0a2144;
  --navy-800:#123763;
  --navy-700:#1c4a82;
  --navy-100:#e7edf5;

  --gold-700:#9c701f;
  --gold-600:#b4872b;
  --gold-500:#d4af37;
  --gold-300:#e8cd82;
  --gold-100:#faf3e0;

  --ink:#16212e;
  --slate:#54626f;
  --slate-light:#8a97a6;
  --border:#e3e7ed;

  --bg:#f7f8fa;
  --bg-alt:#eff2f6;
  --white:#ffffff;

  --font-head:'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --radius-lg:18px;
  --radius-md:12px;
  --radius-sm:8px;

  --shadow-sm:0 4px 14px -4px rgba(10,33,68,.10);
  --shadow-md:0 16px 32px -12px rgba(10,33,68,.18);
  --shadow-lg:0 28px 60px -20px rgba(10,33,68,.30);

  --container:1200px;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;}
a{text-decoration:none;color:inherit;}
button,input,select,textarea{font-family:inherit;}
h1,h2,h3,h4,p{margin:0;}

body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

h1,h2,h3,h4{
  font-family:var(--font-head);
  color:var(--navy-900);
  line-height:1.2;
  font-weight:700;
}

.container{
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 24px;
}

.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:.78rem;
  font-weight:700;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--gold-700);
}
.eyebrow::before{
  content:"";
  width:22px;height:2px;
  background:var(--gold-500);
  display:inline-block;
}

section{padding:88px 0;}
.section-tight{padding:56px 0;}
.section-alt{background:var(--bg);}
.section-navy{background:linear-gradient(160deg,var(--navy-900),var(--navy-950));color:var(--navy-100);}
.section-navy h2,.section-navy h3{color:var(--white);}

.section-head{max-width:680px;margin-bottom:48px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(1.9rem,3vw,2.5rem);margin-top:10px;}
.section-head p{color:var(--slate);margin-top:14px;font-size:1.05rem;}
.section-navy .section-head p{color:#c7d3e3;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:14px 28px;
  border-radius:999px;
  font-weight:700;
  font-size:.95rem;
  border:2px solid transparent;
  cursor:pointer;
  transition:transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px);}
.btn-gold{background:linear-gradient(135deg,var(--gold-500),var(--gold-600));color:var(--navy-950);box-shadow:var(--shadow-md);}
.btn-gold:hover{box-shadow:0 20px 40px -12px rgba(180,135,43,.55);}
.btn-navy{background:var(--navy-900);color:var(--white);}
.btn-navy:hover{background:var(--navy-800);}
.btn-outline{border-color:rgba(255,255,255,.55);color:var(--white);background:transparent;}
.btn-outline:hover{background:rgba(255,255,255,.12);}
.btn-outline-navy{border-color:var(--navy-800);color:var(--navy-900);background:transparent;}
.btn-outline-navy:hover{background:var(--navy-900);color:var(--white);}
.btn-block{width:100%;}
.btn-sm{padding:10px 20px;font-size:.85rem;}

/* ---------- Header ---------- */
.top-bar{
  background:var(--navy-950);
  color:#c7d3e3;
  font-size:.85rem;
}
.top-bar .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding-top:9px;padding-bottom:9px;
  flex-wrap:wrap;
  gap:8px;
}
.top-bar a{color:#c7d3e3;}
.top-bar-links{display:flex;gap:20px;align-items:center;}
.top-bar-links a:hover{color:var(--gold-300);}
.top-bar .phone-link{font-weight:700;color:var(--gold-300);}

.site-header{
  background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--border);
  position:sticky;top:0;z-index:50;
  backdrop-filter:saturate(180%) blur(6px);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  padding-top:14px;padding-bottom:14px;
}
.brand{
  display:flex;align-items:center;gap:12px;
  order:1;
}
.brand img{width:46px;height:46px;}
.brand-text{display:flex;flex-direction:column;line-height:1.1;}
.brand-text strong{
  font-family:var(--font-head);
  font-size:1.32rem;
  color:var(--navy-900);
  letter-spacing:.01em;
}
.brand-text span{
  font-size:.66rem;
  font-weight:700;
  letter-spacing:.22em;
  color:var(--gold-600);
}

.nav-toggle-input{display:none;}
.nav-toggle-label{
  order:3;
  display:none;
  width:44px;height:44px;
  border-radius:var(--radius-sm);
  border:1px solid var(--border);
  align-items:center;justify-content:center;
  cursor:pointer;
}
.nav-toggle-label span,
.nav-toggle-label span::before,
.nav-toggle-label span::after{
  content:"";
  display:block;
  width:20px;height:2px;
  background:var(--navy-900);
  position:relative;
  transition:transform .2s ease;
}
.nav-toggle-label span::before{top:-6px;position:absolute;}
.nav-toggle-label span::after{top:6px;position:absolute;}

.site-nav{
  order:2;
  display:flex;
  align-items:center;
  gap:32px;
  flex:1;
  justify-content:flex-end;
}
.site-nav ul{
  display:flex;
  gap:30px;
  font-weight:600;
  font-size:.96rem;
}
.site-nav ul a{
  position:relative;
  padding:6px 0;
  color:var(--navy-900);
}
.site-nav ul a::after{
  content:"";
  position:absolute;left:0;bottom:0;
  width:0;height:2px;background:var(--gold-500);
  transition:width .2s ease;
}
.site-nav ul a:hover::after,
.site-nav ul li.active a::after{width:100%;}
.site-nav ul li.active a{color:var(--navy-950);}
.nav-cta{display:flex;align-items:center;gap:10px;}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  color:var(--white);
  background:linear-gradient(120deg, rgba(7,27,51,.93), rgba(10,33,68,.75)), center/cover no-repeat;
  overflow:hidden;
}
.hero-home{background-image:linear-gradient(120deg, rgba(7,27,51,.94), rgba(10,33,68,.78)), url('../images/hero-home.jpg');}
.hero-inner{
  padding:120px 0 96px;
  max-width:660px;
}
.hero h1{
  color:var(--white);
  font-size:clamp(2.4rem,4.4vw,3.5rem);
  margin-top:14px;
}
.hero p.lead{
  margin-top:20px;
  font-size:1.14rem;
  color:#dbe4f0;
  max-width:560px;
}
.hero-eyebrow{color:var(--gold-300);}
.hero-eyebrow::before{background:var(--gold-300);}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:34px;}

.hero-stats{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(255,255,255,.16);
  position:relative;
}
.hero-stats .container{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
  padding-top:30px;padding-bottom:30px;
}
.stat-block strong{
  display:block;
  font-family:var(--font-head);
  font-size:1.9rem;
  color:var(--gold-300);
}
.stat-block span{font-size:.85rem;color:#c7d3e3;}

/* ---------- Page banner (inner pages) ---------- */
.page-banner{
  padding:150px 0 64px;
  color:var(--white);
  position:relative;
  background-size:cover;background-position:center;
}
.page-banner::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(120deg, rgba(7,20,40,.92), rgba(10,33,68,.72));
}
.page-banner .container{position:relative;z-index:1;}
.page-banner h1{color:var(--white);font-size:clamp(2.1rem,3.6vw,2.9rem);margin-top:10px;}
.breadcrumbs{font-size:.9rem;color:#c7d3e3;margin-top:16px;}
.breadcrumbs a{color:var(--gold-300);}
.breadcrumbs span{margin:0 8px;opacity:.6;}
.banner-about{background-image:url('../images/banner-about.jpg');}
.banner-services{background-image:url('../images/banner-services.jpg');}
.banner-contact{background-image:url('../images/banner-contact.jpg');}
.banner-legal{background-image:linear-gradient(150deg,var(--navy-800),var(--navy-950));}

/* ---------- Legal pages ---------- */
.legal-layout{
  display:grid;
  grid-template-columns:260px 1fr;
  gap:56px;
  align-items:start;
}
.legal-toc{
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:26px 24px;
  position:sticky;
  top:100px;
}
.legal-toc h3{font-size:.85rem;letter-spacing:.05em;text-transform:uppercase;color:var(--navy-900);margin-bottom:14px;}
.legal-toc ol{
  list-style:decimal;
  padding-left:1.15rem;
  display:flex;
  flex-direction:column;
  gap:10px;
  font-size:.9rem;
  font-weight:600;
}
.legal-toc ol a{color:var(--slate);}
.legal-toc ol a:hover{color:var(--navy-900);}
.legal-meta{
  display:inline-flex;
  gap:10px;
  color:#c7d3e3;
  font-size:.88rem;
  margin-top:16px;
}
.legal-content h2{
  font-size:1.4rem;
  margin-top:44px;
  padding-top:14px;
  border-top:1px solid var(--border);
}
.legal-content > h2:first-of-type{margin-top:0;padding-top:0;border-top:none;}
.legal-content p{color:var(--slate);margin-top:14px;line-height:1.8;}
.legal-content ul{margin-top:14px;padding-left:1.3rem;list-style:disc;display:flex;flex-direction:column;gap:8px;}
.legal-content ul li{color:var(--slate);line-height:1.7;}
.legal-content strong{color:var(--navy-900);}
.legal-content a{color:var(--navy-800);font-weight:700;text-decoration:underline;}

@media (max-width: 880px){
  .legal-layout{grid-template-columns:1fr;}
  .legal-toc{position:static;}
}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}

.card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:34px 28px;
  box-shadow:var(--shadow-sm);
  transition:transform .25s ease, box-shadow .25s ease;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);}

.icon-badge{
  width:58px;height:58px;
  border-radius:16px;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--navy-800),var(--navy-950));
  margin-bottom:20px;
}
.icon-badge svg{width:30px;height:30px;}

.service-card h3{font-size:1.18rem;margin-top:0;}
.service-card p{color:var(--slate);margin-top:10px;font-size:.96rem;}
.service-card .card-link{
  display:inline-flex;align-items:center;gap:8px;
  margin-top:16px;font-weight:700;font-size:.88rem;
  color:var(--navy-800);
}
.service-card .card-link svg{width:14px;height:14px;}

/* Split content (image + text) */
.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
}
.split.reverse .split-media{order:2;}
.split.reverse .split-body{order:1;}
.split-media{position:relative;}
.split-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);}
.split-media .media-tag{
  position:absolute;bottom:-22px;left:-22px;
  background:var(--white);
  border-radius:var(--radius-md);
  box-shadow:var(--shadow-md);
  padding:16px 20px;
  display:flex;align-items:center;gap:12px;
  border:1px solid var(--border);
}
.split-media .media-tag strong{display:block;font-family:var(--font-head);font-size:1.3rem;color:var(--navy-900);}
.split-media .media-tag span{font-size:.78rem;color:var(--slate);}
.split-body h2{font-size:clamp(1.8rem,3vw,2.3rem);margin-top:10px;}
.split-body p{color:var(--slate);margin-top:16px;}
.split-body ul{margin-top:22px;display:flex;flex-direction:column;gap:12px;}
.split-body ul li{display:flex;gap:10px;align-items:flex-start;font-weight:600;color:var(--navy-900);font-size:.96rem;}
.split-body ul li svg{width:20px;height:20px;flex-shrink:0;margin-top:2px;color:var(--gold-600);}

/* Value props */
.value-item{text-align:left;}
.value-item .icon-badge{background:var(--gold-100);}
.value-item .icon-badge svg{color:var(--gold-600);}
.value-item h3{font-size:1.05rem;}
.value-item p{color:var(--slate);font-size:.94rem;margin-top:8px;}

/* Testimonials */
.testimonial{position:relative;}
.testimonial .stars{color:var(--gold-500);letter-spacing:2px;font-size:.9rem;}
.testimonial p.quote{margin-top:16px;color:var(--navy-900);font-size:1rem;font-style:italic;}
.testimonial .person{display:flex;align-items:center;gap:14px;margin-top:24px;}
.avatar-initials{
  width:48px;height:48px;border-radius:50%;
  background:linear-gradient(135deg,var(--navy-800),var(--navy-950));
  color:var(--white);font-weight:700;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-head);
  flex-shrink:0;
}
.person strong{display:block;font-size:.94rem;color:var(--navy-900);}
.person span{font-size:.82rem;color:var(--slate);}

/* Team / leadership */
.team-card{text-align:center;}
.team-card .avatar-initials{width:88px;height:88px;font-size:1.6rem;margin:0 auto 18px;}
.team-card h3{font-size:1.08rem;}
.team-card .role{color:var(--gold-700);font-weight:700;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;margin-top:4px;}
.team-card p.bio{color:var(--slate);font-size:.9rem;margin-top:12px;}

/* CTA banner */
.cta-banner{
  background:linear-gradient(135deg,var(--gold-500),var(--gold-600));
  border-radius:var(--radius-lg);
  padding:52px 56px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
  flex-wrap:wrap;
  color:var(--navy-950);
}
.cta-banner h2{color:var(--navy-950);font-size:clamp(1.6rem,2.6vw,2.1rem);}
.cta-banner p{margin-top:8px;color:var(--navy-800);}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap;}

/* Icon panel (illustration-led service sections) */
.icon-panel{
  border-radius:var(--radius-lg);
  background:linear-gradient(150deg,var(--navy-800),var(--navy-950));
  box-shadow:var(--shadow-lg);
  aspect-ratio:5/4;
  display:flex;
  align-items:center;
  justify-content:center;
  position:relative;
  overflow:hidden;
}
.icon-panel::before{
  content:"";
  position:absolute;inset:0;
  background:radial-gradient(circle at 30% 20%, rgba(212,175,55,.18), transparent 60%);
}
.icon-panel svg{width:34%;height:34%;position:relative;z-index:1;}

/* Process steps */
.step-card{position:relative;padding-top:56px;}
.step-number{
  position:absolute;top:0;left:0;
  font-family:var(--font-head);
  font-size:2.6rem;
  color:var(--gold-300);
  -webkit-text-stroke:1px var(--gold-600);
}

/* FAQ (details/summary, no JS) */
.faq-item{
  border:1px solid var(--border);
  border-radius:var(--radius-md);
  padding:6px 22px;
  margin-bottom:14px;
  background:var(--white);
}
.faq-item summary{
  cursor:pointer;
  padding:18px 0;
  font-weight:700;
  color:var(--navy-900);
  list-style:none;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{
  content:"+";
  font-size:1.4rem;
  color:var(--gold-600);
  flex-shrink:0;
  transition:transform .2s ease;
}
.faq-item[open] summary::after{transform:rotate(45deg);}
.faq-item p{color:var(--slate);padding-bottom:18px;margin-top:-6px;}

/* Contact page */
.contact-info-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:-96px;position:relative;z-index:2;}
.contact-info-card{
  background:var(--white);
  border-radius:var(--radius-lg);
  padding:30px 24px;
  box-shadow:var(--shadow-lg);
  border:1px solid var(--border);
}
.contact-info-card h3{font-size:1rem;}
.contact-info-card p{color:var(--slate);font-size:.9rem;margin-top:8px;}
.contact-info-card a{color:var(--navy-800);font-weight:700;}

.contact-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:flex-start;margin-top:80px;}
.form-card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:40px;
  box-shadow:var(--shadow-sm);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:20px;}
.field label{display:block;font-weight:700;font-size:.86rem;margin-bottom:8px;color:var(--navy-900);}
.field input,.field select,.field textarea{
  width:100%;
  padding:13px 16px;
  border:1px solid var(--border);
  border-radius:var(--radius-sm);
  font-size:.95rem;
  background:var(--bg);
  color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--gold-500);background:var(--white);
}
.field textarea{resize:vertical;min-height:130px;}

.office-card{
  border-radius:var(--radius-lg);
  overflow:hidden;
  background:var(--navy-900);
  color:var(--white);
  box-shadow:var(--shadow-md);
}
.office-card .map-art{padding:34px;background:linear-gradient(160deg,var(--navy-800),var(--navy-950));}
.office-card .map-art svg{width:100%;height:auto;}
.office-card .office-body{padding:28px 30px 32px;}
.office-card h3{color:var(--white);font-size:1.1rem;}
.office-card ul{margin-top:16px;display:flex;flex-direction:column;gap:12px;font-size:.92rem;color:#c7d3e3;}
.office-card ul li{display:flex;gap:10px;}
.office-card ul li svg{width:18px;height:18px;color:var(--gold-300);flex-shrink:0;}

/* ---------- Footer ---------- */
.site-footer{
  background:var(--navy-950);
  color:#aebbcc;
  padding-top:72px;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1.2fr;
  gap:48px;
  padding-bottom:48px;
  border-bottom:1px solid rgba(255,255,255,.09);
}
.footer-brand{display:flex;align-items:center;gap:12px;margin-bottom:16px;}
.footer-brand img{width:42px;height:42px;}
.footer-brand strong{color:var(--white);font-family:var(--font-head);font-size:1.2rem;}
.footer-col h4{color:var(--white);font-size:.92rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:18px;}
.footer-col ul{display:flex;flex-direction:column;gap:11px;font-size:.92rem;}
.footer-col ul a:hover{color:var(--gold-300);}
.footer-col p{font-size:.92rem;line-height:1.7;}
.footer-desc{font-size:.92rem;line-height:1.7;max-width:320px;}
.footer-social{display:flex;gap:10px;margin-top:20px;}
.footer-social a{
  width:36px;height:36px;border-radius:50%;
  border:1px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;
}
.footer-social a svg{width:16px;height:16px;}
.footer-social a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-950);}

.footer-bottom{
  padding:22px 0 26px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  flex-wrap:wrap;
  gap:12px;
  font-size:.86rem;
}
.footer-bottom a{font-weight:700;color:var(--gold-300);}
.footer-bottom a:hover{text-decoration:underline;}

/* ---------- Responsive ---------- */
@media (max-width: 980px){
  .split{grid-template-columns:1fr;gap:40px;}
  .split.reverse .split-media,.split.reverse .split-body{order:0;}
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .contact-info-grid{grid-template-columns:repeat(2,1fr);margin-top:32px;}
  .contact-layout{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}

@media (max-width: 880px){
  .nav-toggle-label{display:flex;}
  .site-nav{
    order:4;
    flex-basis:100%;
    position:absolute;
    top:100%;left:0;right:0;
    background:var(--white);
    flex-direction:column;
    align-items:stretch;
    max-height:0;
    overflow:hidden;
    border-bottom:1px solid var(--border);
    transition:max-height .35s ease;
    box-shadow:var(--shadow-md);
  }
  .nav-toggle-input:checked ~ .site-nav{max-height:520px;}
  .site-nav ul{flex-direction:column;gap:0;padding:10px 24px;}
  .site-nav ul li{border-bottom:1px solid var(--border);}
  .site-nav ul a{display:block;padding:14px 0;}
  .nav-cta{padding:18px 24px 24px;}
  .header-inner{position:relative;}
  .hero-stats .container{grid-template-columns:repeat(2,1fr);}
  .top-bar-links{display:none;}
}

@media (max-width: 640px){
  section{padding:60px 0;}
  .hero-inner{padding:96px 0 64px;}
  .hero-actions{flex-direction:column;align-items:stretch;}
  .grid-4,.grid-3,.grid-2{grid-template-columns:1fr;}
  .contact-info-grid{grid-template-columns:1fr;}
  .cta-banner{flex-direction:column;text-align:center;padding:40px 28px;}
  .cta-actions{justify-content:center;}
  .footer-grid{grid-template-columns:1fr;gap:32px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .form-row{grid-template-columns:1fr;}
  .page-banner{padding:130px 0 48px;}
}