/* ============================================
   Insurance Contractors LLC — Main Stylesheet
   insurance.contractors — v2 Mobile Optimized
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;700&family=DM+Sans:wght@300;400;500;600&display=swap');

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

:root {
  --navy: #0B1F3A;
  --orange: #E05A1C;
  --light: #f8f6f2;
  --white: #ffffff;
  --text: #1a1a2e;
  --muted: #6b7280;
  --border: #e5e7eb;
  --font-display: 'Playfair Display', serif;
  --font-body: 'DM Sans', sans-serif;
  --max-width: 1200px;
  --section-pad: 80px 5%;
}

html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font-body); color: var(--text); background: #fff; line-height: 1.6; -webkit-text-size-adjust: 100%; }
img { max-width: 100%; height: auto; }
a { color: inherit; }

/* ── UTILITY ── */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 5%; }
.section-label { font-size: 12px; font-weight: 600; color: var(--orange); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 12px; display: block; }
h1, h2, h3 { font-family: var(--font-display); line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.6rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.3rem); }
p { font-size: clamp(15px, 2vw, 16px); }

.btn-primary { background: var(--orange); color: #fff; padding: 14px 28px; border-radius: 8px; font-size: 16px; font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: opacity 0.2s; -webkit-tap-highlight-color: transparent; }
.btn-primary:hover { opacity: 0.9; }
.btn-secondary { background: rgba(255,255,255,0.1); color: #fff; padding: 14px 28px; border-radius: 8px; font-size: 16px; font-weight: 500; text-decoration: none; border: 1.5px solid rgba(255,255,255,0.25); transition: background 0.2s; }
.btn-secondary:hover { background: rgba(255,255,255,0.2); }

/* ── MOBILE STICKY CONTACT BAR ── */
/* Hidden on desktop, shown on mobile */
.mobile-contact-bar {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.mobile-contact-bar-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.mobile-contact-bar a {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 10px;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  -webkit-tap-highlight-color: transparent;
}
.mobile-contact-bar .btn-call {
  background: var(--orange);
  color: #fff;
}
.mobile-contact-bar .btn-text {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border-left: 1px solid rgba(255,255,255,0.15);
}

/* ── NAVIGATION ── */
.nav {
  background: var(--navy);
  padding: 0 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 20px rgba(0,0,0,0.2);
}
.nav-logo img { height: 36px; display: block; }
.nav-links { display: flex; gap: 28px; 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 { color: #fff; }
.nav-links a.active { color: var(--orange); }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.nav-call { background: transparent; border: 1.5px solid rgba(255,255,255,0.3); color: #fff; padding: 8px 16px; border-radius: 6px; font-size: 13px; font-weight: 500; text-decoration: none; display: flex; align-items: center; gap: 6px; transition: border-color 0.2s; }
.nav-call:hover { border-color: rgba(255,255,255,0.6); }
.nav-quote { background: var(--orange); color: #fff; padding: 8px 18px; border-radius: 6px; font-size: 13px; font-weight: 600; text-decoration: none; transition: opacity 0.2s; }
.nav-quote:hover { opacity: 0.9; }
/* Text us button — desktop hidden, mobile shown via nav rebuild */
.nav-text-btn { display: none; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; color: #fff; font-size: 24px; padding: 4px; }
.nav-mobile { display: none; background: var(--navy); padding: 16px 5%; border-top: 1px solid rgba(255,255,255,0.1); }
.nav-mobile a { display: block; color: rgba(255,255,255,0.8); text-decoration: none; font-size: 17px; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,0.08); font-weight: 400; }
.nav-mobile a:last-child { border-bottom: none; }

/* ── HERO ── */
.hero { background: var(--navy); padding: var(--section-pad); padding-top: 90px; padding-bottom: 110px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -100px; right: -100px; width: 500px; height: 500px; border-radius: 50%; background: rgba(224,90,28,0.06); pointer-events: none; }
.hero-content { position: relative; z-index: 1; max-width: 780px; }
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero h1 em { color: var(--orange); font-style: normal; }
.hero-sub { font-size: clamp(16px, 2.5vw, 18px); color: rgba(255,255,255,0.65); max-width: 580px; line-height: 1.7; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 56px; }
.trust-bar { display: flex; gap: 24px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.75); font-size: 14px; }
.trust-icon { width: 34px; height: 34px; border-radius: 8px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; font-size: 16px; flex-shrink: 0; }

/* ── PAGE HERO ── */
.page-hero { background: var(--navy); padding: 60px 5%; }
.page-hero h1 { color: #fff; font-size: clamp(1.7rem, 4vw, 2.8rem); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.65); font-size: clamp(15px, 2vw, 17px); max-width: 600px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 13px; color: rgba(255,255,255,0.4); margin-bottom: 20px; flex-wrap: wrap; }
.breadcrumb a { color: rgba(255,255,255,0.5); text-decoration: none; }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ── SECTIONS ── */
.section { padding: var(--section-pad); }
.section-light { background: var(--light); }
.section-navy { background: var(--navy); }
.section-header { margin-bottom: 48px; }
.section-header p { font-size: clamp(15px, 2vw, 16px); color: var(--muted); max-width: 580px; line-height: 1.7; margin-top: 12px; }

/* ── COVERAGE CARDS ── */
.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.card { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 28px; transition: all 0.25s; text-decoration: none; display: block; color: var(--text); -webkit-tap-highlight-color: transparent; }
.card:hover { border-color: var(--orange); box-shadow: 0 8px 32px rgba(224,90,28,0.1); transform: translateY(-2px); }
.card-icon { width: 46px; height: 46px; border-radius: 10px; background: rgba(224,90,28,0.08); display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 16px; }
.card h3 { font-family: var(--font-display); font-size: clamp(1rem, 2vw, 1.15rem); color: var(--navy); margin-bottom: 8px; }
.card p { font-size: clamp(14px, 1.5vw, 14px); color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.card-link { font-size: 13px; font-weight: 600; color: var(--orange); }

/* ── CARRIERS ── */
.carriers-bar { padding: 48px 5%; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.carriers-label { text-align: center; font-size: 12px; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 24px; }
.carrier-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.carrier-chip { background: #f3f4f6; border-radius: 6px; padding: 8px 16px; font-size: 13px; font-weight: 500; color: #4b5563; }

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-points { display: flex; flex-direction: column; gap: 24px; margin-top: 28px; }
.why-point { display: flex; gap: 16px; align-items: flex-start; }
.why-dot { width: 42px; height: 42px; border-radius: 10px; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.why-point h4 { font-size: clamp(14px, 1.5vw, 15px); font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.why-point p { font-size: clamp(13px, 1.5vw, 14px); color: var(--muted); line-height: 1.6; }
.stats-box { background: var(--navy); border-radius: 16px; padding: 40px; }
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }
.stat { text-align: center; padding: 20px; background: rgba(255,255,255,0.06); border-radius: 10px; }
.stat-number { font-family: var(--font-display); font-size: clamp(1.8rem, 4vw, 2.4rem); color: var(--orange); font-weight: 700; }
.stat-label { font-size: 13px; color: rgba(255,255,255,0.55); margin-top: 4px; }

/* ── REVIEWS ── */
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.review-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 28px; }
.stars { color: var(--orange); font-size: 18px; margin-bottom: 12px; letter-spacing: 2px; }
.review-text { font-size: clamp(14px, 1.5vw, 15px); color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 16px; font-style: italic; }
.reviewer { font-size: 13px; color: rgba(255,255,255,0.45); font-weight: 500; }

/* ── GOOGLE REVIEWS WIDGET ── */
.reviews-widget-section { padding: var(--section-pad); background: var(--navy); }
.reviews-widget-section h2 { color: #fff; margin-bottom: 8px; }
.reviews-widget-section .reviews-sub { color: rgba(255,255,255,0.6); font-size: 16px; margin-bottom: 40px; }
.elfsight-placeholder { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 40px; text-align: center; }
.elfsight-placeholder p { color: rgba(255,255,255,0.6); font-size: 15px; }

/* ── SERVICE AREA ── */
.area-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.area-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.area-chip { background: #fff; border: 1px solid var(--border); border-radius: 99px; padding: 8px 18px; font-size: clamp(13px, 1.5vw, 14px); color: var(--navy); font-weight: 500; }
.contact-box { background: var(--navy); border-radius: 16px; padding: 36px; color: #fff; }
.contact-box h3 { font-family: var(--font-display); font-size: clamp(1.3rem, 2vw, 1.5rem); margin-bottom: 20px; }
.contact-box p { color: rgba(255,255,255,0.7); font-size: clamp(14px, 1.5vw, 15px); line-height: 1.8; margin-bottom: 24px; }
.contact-box a.phone { color: var(--orange); text-decoration: none; font-weight: 600; }

/* ── CTA BANNER ── */
.cta-banner { background: var(--orange); padding: 70px 5%; text-align: center; }
.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,0.88); font-size: clamp(15px, 2vw, 17px); margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-banner-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-white { background: #fff; color: var(--orange); padding: 14px 32px; border-radius: 8px; font-size: 15px; font-weight: 700; text-decoration: none; }
.btn-outline-white { background: transparent; border: 2px solid rgba(255,255,255,0.5); color: #fff; padding: 14px 32px; border-radius: 8px; font-size: 15px; font-weight: 600; text-decoration: none; }

/* ── CONTENT (inner pages) ── */
.content-grid { display: grid; grid-template-columns: 1fr 360px; gap: 60px; align-items: start; }
.content-body h2 { color: var(--navy); margin-bottom: 16px; font-size: clamp(1.4rem, 2.5vw, 2rem); }
.content-body p { color: var(--muted); line-height: 1.8; margin-bottom: 20px; font-size: clamp(15px, 2vw, 16px); }
.content-body ul { list-style: none; margin-bottom: 24px; }
.content-body ul li { padding: 10px 0; border-bottom: 1px solid var(--border); font-size: clamp(14px, 1.5vw, 15px); color: var(--text); display: flex; align-items: flex-start; gap: 10px; }
.content-body ul li::before { content: '✓'; color: var(--orange); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.sidebar-box { background: var(--navy); border-radius: 12px; padding: 32px; color: #fff; position: sticky; top: 90px; }
.sidebar-box h3 { font-family: var(--font-display); font-size: 1.3rem; margin-bottom: 16px; }
.sidebar-box p { color: rgba(255,255,255,0.65); font-size: 14px; line-height: 1.7; margin-bottom: 20px; }
.sidebar-box .btn-primary { width: 100%; justify-content: center; margin-bottom: 12px; font-size: 15px; }
.faq { margin-top: 48px; }
.faq h2 { color: var(--navy); margin-bottom: 28px; }
.faq-item { border-bottom: 1px solid var(--border); padding: 20px 0; }
.faq-item h4 { font-size: clamp(14px, 1.5vw, 16px); font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.faq-item p { font-size: clamp(14px, 1.5vw, 15px); color: var(--muted); line-height: 1.7; }

/* ── FOOTER ── */
.footer { background: #0a1628; padding: 56px 5% 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.45); line-height: 1.7; margin-top: 16px; max-width: 280px; }
.footer h4 { font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.35); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 10px; }
.footer ul a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 14px; transition: color 0.2s; }
.footer ul a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,0.3); }

/* ══════════════════════════════════════════
   RESPONSIVE — MOBILE FIRST
   ══════════════════════════════════════════ */

@media (max-width: 900px) {
  .why-grid, .area-grid, .content-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .sidebar-box { position: static; }
}

@media (max-width: 640px) {
  /* Show mobile contact bar, push nav down */
  .mobile-contact-bar { display: block; }
  .nav { top: 53px; } /* height of mobile bar */

  /* Hide desktop nav links and call button */
  .nav-links { display: none; }
  .nav-call { display: none; }
  .nav-toggle { display: block; }

  /* Full width quote button in nav */
  .nav-quote { font-size: 14px; padding: 9px 14px; }

  /* Hero adjustments for mobile */
  .hero { padding: 48px 5% 64px; padding-top: 48px; }
  .hero h1 { font-size: clamp(1.9rem, 8vw, 2.8rem); margin-bottom: 16px; }
  .hero-sub { font-size: 16px; margin-bottom: 28px; }
  .hero-actions { flex-direction: column; gap: 12px; }
  .hero-actions .btn-primary,
  .hero-actions .btn-secondary { width: 100%; justify-content: center; font-size: 16px; padding: 16px; }
  .trust-bar { gap: 16px; }
  .trust-item { font-size: 14px; }

  /* Section padding */
  .section { padding: 48px 5%; }
  :root { --section-pad: 48px 5%; }

  /* Cards full width on mobile */
  .cards-grid { grid-template-columns: 1fr; gap: 14px; }
  .card { padding: 22px; }

  /* Carriers wrap nicely */
  .carrier-chips { gap: 8px; }
  .carrier-chip { font-size: 12px; padding: 6px 12px; }

  /* Why grid stacks */
  .why-grid { gap: 36px; }
  .stats-box { padding: 28px; }
  .stat { padding: 16px; }

  /* Reviews */
  .review-grid { grid-template-columns: 1fr; }

  /* Area section stacks */
  .area-grid { gap: 32px; }
  .area-chip { font-size: 13px; padding: 7px 14px; }

  /* CTA banner */
  .cta-banner { padding: 48px 5%; }
  .cta-banner-btns { flex-direction: column; align-items: center; }
  .btn-white, .btn-outline-white { width: 100%; text-align: center; max-width: 320px; }

  /* Footer stacks */
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-brand p { max-width: 100%; }
  .footer-bottom { flex-direction: column; text-align: center; }

  /* Page hero */
  .page-hero { padding: 40px 5%; }

  /* Content pages */
  .content-grid { grid-template-columns: 1fr; gap: 32px; }
  .content-body ul li { font-size: 15px; }
  .faq-item h4 { font-size: 15px; }
}

@media (max-width: 380px) {
  .hero h1 { font-size: 1.75rem; }
  .stat-number { font-size: 1.6rem; }
}