/* KOA Insurance — Shared Stylesheet */
:root {
  --navy: #0d1f3c;
  --navy-mid: #1a3260;
  --gold: #c9973a;
  --gold-light: #e8b455;
  --cream: #faf7f2;
  --white: #ffffff;
  --slate: #4a5568;
  --light-gray: #f0ede8;
  --border: #e2ddd6;
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--navy);
  font-size: 16px;
  line-height: 1.6;
}

/* NAV */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(13, 31, 60, 0.97);
  backdrop-filter: blur(10px);
  padding: 0 5%;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px;
  border-bottom: 1px solid rgba(201, 151, 58, 0.3);
}
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.nav-logo-text { color: var(--white); font-size: 14px; font-weight: 600; letter-spacing: 0.5px; line-height: 1.3; }
.nav-logo-text span { color: var(--gold-light); font-size: 11px; font-weight: 400; display: block; }
.nav-links { display: flex; align-items: center; gap: 24px; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.8); text-decoration: none; font-size: 14px; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover, .nav-links a.active { color: var(--gold-light); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-phone { color: var(--gold-light); font-weight: 600; font-size: 14px; text-decoration: none; }
.btn-nav { background: var(--gold); color: var(--navy); padding: 9px 18px; border-radius: 6px; font-weight: 700; font-size: 13px; text-decoration: none; transition: all 0.2s; white-space: nowrap; }
.btn-nav:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-nav-outline { background: transparent; color: var(--gold-light); padding: 8px 16px; border-radius: 6px; font-weight: 600; font-size: 13px; text-decoration: none; border: 1px solid rgba(201,151,58,0.5); transition: all 0.2s; white-space: nowrap; }
.btn-nav-outline:hover { background: rgba(201,151,58,0.1); }

/* PAGE HERO */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #0f2d5e 100%);
  padding: 120px 5% 80px;
  margin-top: 70px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; top: -150px; right: -100px;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,151,58,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero-inner { max-width: 700px; margin: 0 auto; position: relative; }
.page-hero .label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold-light); margin-bottom: 14px; }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(36px, 5vw, 60px); font-weight: 900; color: white; line-height: 1.1; margin-bottom: 20px; }
.page-hero h1 em { color: var(--gold-light); font-style: normal; }
.page-hero p { font-size: 17px; color: rgba(255,255,255,0.75); line-height: 1.7; max-width: 580px; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary { background: var(--gold); color: var(--navy); padding: 14px 28px; border-radius: 8px; font-weight: 700; font-size: 15px; text-decoration: none; transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px; }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-outline { background: rgba(255,255,255,0.08); color: white; padding: 14px 28px; border-radius: 8px; font-weight: 600; font-size: 15px; text-decoration: none; border: 1px solid rgba(255,255,255,0.25); transition: all 0.2s; }
.btn-outline:hover { background: rgba(255,255,255,0.15); }

/* SECTIONS */
.section { padding: 80px 5%; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-cream, .section.section-cream { background: var(--cream); }
.section-navy, .section.section-navy { background: var(--navy); }

.label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }
.label-white { color: var(--gold-light); }
.title { font-family: 'Playfair Display', serif; font-size: clamp(26px, 3.5vw, 42px); font-weight: 900; color: var(--navy); line-height: 1.2; margin-bottom: 16px; }
.title-white { color: white; }
.subtitle { font-size: 16px; color: var(--slate); line-height: 1.8; max-width: 600px; }
.subtitle-white { color: rgba(255,255,255,0.7); }
.text-center { text-align: center; }
.text-center .subtitle { margin: 0 auto; }

/* SECTION TITLE (alias) */
.section-title { font-family: 'Playfair Display', serif; font-size: clamp(26px, 3.5vw, 42px); font-weight: 900; color: var(--navy); line-height: 1.2; margin-bottom: 16px; }
.section-label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }

/* SPLIT LAYOUT */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }

/* CARDS */
.card-grid { display: grid; gap: 24px; margin-top: 40px; }
.card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.card { background: var(--cream); border: 1px solid var(--border); border-radius: 16px; padding: 28px; }
.card-navy { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); color: white; }
.card-icon { font-size: 28px; margin-bottom: 14px; }
.card h4 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.card-navy h4 { color: white; }
.card p { font-size: 14px; color: var(--slate); line-height: 1.65; }
.card-navy p { color: rgba(255,255,255,0.7); }

/* TESTIMONIALS */
.testimonial { background: var(--cream); border-radius: 16px; padding: 28px; border: 1px solid var(--border); }
.stars { color: var(--gold); font-size: 14px; margin-bottom: 12px; }
.author { font-weight: 700; font-size: 14px; color: var(--navy); }
.author span { font-weight: 400; color: var(--slate); font-size: 12px; }

/* CHECK LIST */
.check-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.check-list li { font-size: 15px; color: var(--slate); padding-left: 24px; position: relative; line-height: 1.6; }
.check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--border); padding: 20px 0; }
.faq-q { font-size: 16px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none; }
.faq-q::after { content: '+'; font-size: 20px; color: var(--gold); transition: transform 0.2s; flex-shrink: 0; margin-left: 12px; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { font-size: 15px; color: var(--slate); line-height: 1.7; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, margin-top 0.2s; }
.faq-item.open .faq-a { max-height: 400px; margin-top: 12px; }

/* BOOK STRIP */
.book-strip { background: rgba(13,31,60,0.04); border-top: 1px solid rgba(201,151,58,0.2); border-bottom: 1px solid rgba(201,151,58,0.2); padding: 14px 5%; display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; }
.book-strip p { font-size: 14px; color: var(--slate); }
.book-strip p strong { color: var(--navy); }
.btn-book { background: var(--gold); color: var(--navy); padding: 10px 22px; border-radius: 7px; font-weight: 700; font-size: 14px; text-decoration: none; white-space: nowrap; transition: all 0.2s; }
.btn-book:hover { background: var(--gold-light); }

/* CTA STRIP */
.cta-strip { background: linear-gradient(135deg, var(--gold) 0%, #b8852e 100%); padding: 70px 5%; text-align: center; }
.cta-strip h2 { font-family: 'Playfair Display', serif; font-size: clamp(26px, 4vw, 44px); font-weight: 900; color: var(--navy); margin-bottom: 12px; }
.cta-strip p { font-size: 16px; color: rgba(13,31,60,0.75); margin-bottom: 32px; }
.cta-strip-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn-dark { background: var(--navy); color: white; padding: 14px 32px; border-radius: 8px; font-weight: 700; font-size: 15px; text-decoration: none; transition: all 0.2s; }
.btn-dark:hover { background: var(--navy-mid); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--navy); padding: 14px 32px; border-radius: 8px; font-weight: 700; font-size: 15px; text-decoration: none; border: 2px solid rgba(13,31,60,0.4); transition: all 0.2s; }
.btn-ghost:hover { background: rgba(13,31,60,0.1); }

/* FOOTER */
footer { background: var(--navy); padding: 60px 5% 30px; color: rgba(255,255,255,0.6); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand p { font-size: 14px; line-height: 1.7; margin-top: 14px; }
.footer-states { font-size: 12px; opacity: 0.5; margin-top: 6px; }
.footer-col h5 { color: white; font-size: 13px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 14px; }
.footer-col a { display: block; color: rgba(255,255,255,0.55); text-decoration: none; font-size: 14px; margin-bottom: 8px; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 20px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; flex-wrap: wrap; gap: 10px; }

/* REQUIRED NOTE */
.required-note { font-size: 12px; color: var(--slate); margin-bottom: 16px; }

/* RESPONSIVE */
@media (max-width: 960px) {
  .split { grid-template-columns: 1fr; gap: 40px; }
  .card-grid.cols-3 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 600px) {
  .card-grid.cols-2, .card-grid.cols-3 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .book-strip { flex-direction: column; text-align: center; gap: 10px; }
}