/* National General Insurance - style.css */
:root{
  --primary:#0b2a5b;
  --primary-dark:#071c3f;
  --accent:#f59e0b;
  --accent-dark:#d97706;
  --bg:#ffffff;
  --fg:#0f172a;
  --muted:#64748b;
  --border:#e2e8f0;
  --secondary:#f1f5f9;
  --success:#16a34a;
  --radius:8px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter','Segoe UI',Arial,sans-serif;color:var(--fg);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Plus Jakarta Sans','Inter',sans-serif;color:var(--primary);line-height:1.2;letter-spacing:-.02em}
h1{font-size:2.5rem;margin-bottom:1rem}
h2{font-size:2rem;margin-bottom:1rem}
h3{font-size:1.35rem;margin-bottom:.5rem}
p{margin-bottom:1rem}
a{color:var(--primary);text-decoration:none}
a:hover{color:var(--accent)}
img{max-width:100%;height:auto;display:block}
.container{max-width:1200px;margin:0 auto;padding:0 1.25rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:600;padding:.85rem 1.5rem;border-radius:var(--radius);border:none;cursor:pointer;font-size:1rem;transition:all .2s ease;text-decoration:none}
.btn-primary{background:var(--accent);color:#1a1a1a;box-shadow:0 4px 14px rgba(245,158,11,.35)}
.btn-primary:hover{background:var(--accent-dark);color:#fff;transform:translateY(-1px)}
.btn-solid{background:var(--primary);color:#fff}
.btn-solid:hover{background:var(--primary-dark);color:#fff}
.btn-outline{background:transparent;color:#fff;border:2px solid #fff}
.btn-outline:hover{background:#fff;color:var(--primary)}
.btn-lg{padding:1rem 1.75rem;font-size:1.1rem}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:.85rem 0;gap:1rem}
.logo{display:flex;align-items:center;gap:.5rem;font-weight:800;color:var(--primary);font-size:1.1rem;font-family:'Plus Jakarta Sans',sans-serif}
.logo svg{width:28px;height:28px;color:var(--accent)}
.main-nav{display:flex;gap:1.5rem;align-items:center}
.main-nav a{color:#334155;font-weight:500;font-size:.95rem;padding:.5rem 0}
.main-nav a:hover,.main-nav a.active{color:var(--primary)}
.header-cta{display:flex;align-items:center;gap:.85rem}
.header-phone{color:var(--primary);font-weight:600;font-size:.95rem;display:inline-flex;align-items:center;gap:.4rem}
.mobile-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--primary);padding:.5rem}
.mobile-nav{display:none;background:#fff;border-top:1px solid var(--border);padding:1rem 0}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:.65rem 1.25rem;color:#334155}

/* Hero */
.hero{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;padding:4rem 0;position:relative;overflow:hidden}
.hero h1{color:#fff;font-size:clamp(2rem,4vw,3.25rem)}
.hero p.lead{font-size:1.15rem;color:rgba(255,255,255,.85);max-width:600px;margin-bottom:2rem}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center}
.hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,.4)}
.eyebrow{color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:.1em;font-size:.85rem;margin-bottom:.75rem}
.hero-cta{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}

/* Page hero (smaller) */
.page-hero{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;padding:3.5rem 0}
.page-hero h1{color:#fff}
.page-hero p{color:rgba(255,255,255,.85);max-width:640px}

/* Sections */
section{padding:4rem 0}
.section-title{text-align:center;margin-bottom:2.5rem}
.section-title h2{margin-bottom:.5rem}
.section-title p{color:var(--muted);max-width:640px;margin:0 auto}

/* Cards */
.grid{display:grid;gap:1.5rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.75rem;transition:all .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,23,42,.08);border-color:var(--accent)}
.card .icon{width:48px;height:48px;background:var(--secondary);color:var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.card h3{margin-bottom:.5rem}
.card p{color:var(--muted);margin-bottom:0;font-size:.95rem}

/* Stats */
.stats{background:var(--secondary);padding:3rem 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;text-align:center}
.stat-num{font-size:2.5rem;font-weight:800;color:var(--primary);font-family:'Plus Jakarta Sans',sans-serif}
.stat-label{color:var(--muted);font-size:.9rem;text-transform:uppercase;letter-spacing:.05em}

/* CTA band */
.cta-band{background:var(--primary);color:#fff;padding:3rem 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);max-width:540px;margin:0 auto 1.5rem}

/* Forms */
.form-wrap{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:2rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-grid.cols-3{grid-template-columns:repeat(3,1fr)}
label{display:block;font-weight:600;color:var(--primary);font-size:.9rem;margin-bottom:.35rem}
input,select,textarea{width:100%;padding:.7rem .85rem;border:1px solid var(--border);border-radius:var(--radius);font-family:inherit;font-size:1rem;background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(11,42,91,.12)}
.field{margin-bottom:1rem}
.full{grid-column:1/-1}
.error{color:#dc2626;font-size:.85rem;margin-top:.25rem;display:none}
.error.show{display:block}

/* Two-col layouts */
.split{display:grid;grid-template-columns:1.4fr 1fr;gap:2.5rem;align-items:start}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);padding:1.25rem 0}
.faq-q{font-weight:700;color:var(--primary);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:1.05rem}
.faq-q::after{content:'+';font-size:1.5rem;color:var(--accent);transition:transform .2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{color:var(--muted);padding-top:.75rem;display:none}
.faq-item.open .faq-a{display:block}

/* Testimonials */
.testimonial{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.75rem}
.testimonial p{font-style:italic;color:#334155}
.testimonial-author{margin-top:1rem;font-weight:600;color:var(--primary)}
.stars{color:var(--accent);margin-bottom:.5rem}

/* Footer */
.site-footer{background:var(--primary);color:#fff;padding:3.5rem 0 0;margin-top:3rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:2.5rem}
.footer-grid h4{color:#fff;font-size:1rem;margin-bottom:1rem}
.footer-grid ul{list-style:none}
.footer-grid li{margin-bottom:.55rem}
.footer-grid a{color:rgba(255,255,255,.75);font-size:.9rem}
.footer-grid a:hover{color:var(--accent)}
.footer-grid p{color:rgba(255,255,255,.75);font-size:.9rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:1.25rem 0;font-size:.8rem;color:rgba(255,255,255,.6);display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}

/* Mobile call bar */
.mobile-call-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--accent);color:#1a1a1a;padding:.9rem;text-align:center;font-weight:700;box-shadow:0 -4px 14px rgba(0,0,0,.2)}
.floating-call{position:fixed;bottom:1.5rem;right:1.5rem;width:56px;height:56px;border-radius:50%;background:var(--accent);color:#1a1a1a;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(0,0,0,.25);z-index:50;transition:transform .2s}
.floating-call:hover{transform:scale(1.1);color:#fff}

/* Success */
.success-msg{text-align:center;padding:3rem 1rem}
.success-msg svg{width:60px;height:60px;color:var(--success);margin:0 auto 1rem}

/* Misc */
.text-center{text-align:center}
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}
.mb-0{margin-bottom:0}