/* ===========================================================
   EVN INSURANCE GROUP — Design System
   Navy + Emerald, editorial serif/sans pairing, "route line" motif
   =========================================================== */

:root{
  --navy:        #0A2540;
  --navy-light:  #123863;
  --navy-tint:   #EEF2F6;
  --emerald:     #0FA968;
  --emerald-dark:#0C8A55;
  --emerald-tint:#E7F7EF;
  --charcoal:    #22282E;
  --gray:        #5B6570;
  --gray-light:  #8B95A1;
  --bg-alt:      #F6F8FA;
  --white:       #FFFFFF;
  --border:      #E3E8EC;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 3px rgba(10,37,64,0.06), 0 1px 2px rgba(10,37,64,0.08);
  --shadow-md: 0 8px 24px rgba(10,37,64,0.10);
  --shadow-lg: 0 20px 50px rgba(10,37,64,0.14);
  --maxw: 1200px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  *{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important;}
}

body{
  margin:0;
  font-family:var(--font-body);
  color:var(--charcoal);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%; display:block;}
a{color:inherit; text-decoration:none;}
ul{margin:0; padding:0; list-style:none;}
button{font-family:inherit;}

h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--navy);
  margin:0 0 0.5em 0;
  font-weight:600;
  line-height:1.15;
  letter-spacing:-0.01em;
}
h1{font-size:clamp(2.4rem, 4.4vw, 3.6rem); font-weight:600;}
h2{font-size:clamp(1.9rem, 3vw, 2.5rem);}
h3{font-size:1.35rem;}
h4{font-size:1.1rem;}
p{margin:0 0 1em 0; color:var(--gray);}
.lead{font-size:1.2rem; color:var(--navy-light); font-weight:400;}

.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-body); font-weight:600; font-size:0.78rem;
  letter-spacing:0.14em; text-transform:uppercase; color:var(--emerald-dark);
  margin-bottom:14px;
}
.eyebrow::before{
  content:""; width:22px; height:2px; background:var(--emerald); display:inline-block; border-radius:2px;
}

.container{max-width:var(--maxw); margin:0 auto; padding:0 28px;}
.section{padding:88px 0;}
.section-sm{padding:56px 0;}
.section-alt{background:var(--bg-alt);}
.section-navy{background:var(--navy); color:#fff;}
.section-navy h2, .section-navy h3{color:#fff;}
.section-navy p{color:#C7D3DF;}

.center{text-align:center;}
.max-w-620{max-width:620px; margin-left:auto; margin-right:auto;}
.max-w-720{max-width:720px; margin-left:auto; margin-right:auto;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:14px 26px; border-radius:999px; font-weight:600; font-size:0.98rem;
  border:1.5px solid transparent; cursor:pointer; transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--emerald); color:#fff; box-shadow:0 6px 18px rgba(15,169,104,0.28);}
.btn-primary:hover{background:var(--emerald-dark); transform:translateY(-2px); box-shadow:0 10px 24px rgba(15,169,104,0.36);}
.btn-navy{background:var(--navy); color:#fff;}
.btn-navy:hover{background:var(--navy-light); transform:translateY(-2px);}
.btn-outline{background:transparent; color:var(--navy); border-color:var(--border);}
.btn-outline:hover{border-color:var(--navy); transform:translateY(-2px);}
.btn-outline-white{background:transparent; color:#fff; border-color:rgba(255,255,255,0.4);}
.btn-outline-white:hover{border-color:#fff; background:rgba(255,255,255,0.08);}
.btn-sm{padding:10px 18px; font-size:0.88rem;}
.btn-block{width:100%;}

.cta-row{display:flex; gap:14px; flex-wrap:wrap; align-items:center;}

/* ---------- Header / Nav ---------- */
.topbar{
  background:var(--navy); color:#CFE0EC; font-size:0.82rem;
}
.topbar .container{display:flex; justify-content:space-between; align-items:center; padding-top:8px; padding-bottom:8px;}
.topbar a{color:#fff; font-weight:600;}
.topbar-links{display:flex; gap:22px; align-items:center;}
.topbar-links span{opacity:0.65; margin-right:4px;}

header.site-header{
  position:sticky; top:0; z-index:100; background:rgba(255,255,255,0.92);
  backdrop-filter:blur(10px); border-bottom:1px solid var(--border);
}
.nav-wrap{display:flex; align-items:center; justify-content:space-between; padding:14px 28px; max-width:var(--maxw); margin:0 auto;}
.brand{display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:600; font-size:1.32rem; color:var(--navy);}
.brand-mark{
  width:38px; height:38px; border-radius:10px; background:linear-gradient(145deg, var(--navy), var(--navy-light));
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.brand-mark svg{width:20px; height:20px;}
.brand small{display:block; font-family:var(--font-body); font-weight:600; font-size:0.6rem; letter-spacing:0.12em; color:var(--emerald-dark); text-transform:uppercase; margin-top:1px;}

nav.main-nav{display:flex; align-items:center; gap:2px;}
nav.main-nav > ul{display:flex; align-items:center; gap:2px;}
nav.main-nav a.nav-link{
  padding:10px 14px; border-radius:8px; font-weight:500; font-size:0.95rem; color:var(--charcoal);
  display:flex; align-items:center; gap:4px; transition:background .15s ease, color .15s ease;
}
nav.main-nav a.nav-link:hover, nav.main-nav a.nav-link.active{background:var(--navy-tint); color:var(--navy);}
.has-dropdown{position:relative;}
.dropdown{
  position:absolute; top:100%; left:0; background:#fff; border:1px solid var(--border); border-radius:var(--radius-md);
  box-shadow:var(--shadow-lg); min-width:230px; padding:8px; opacity:0; visibility:hidden; transform:translateY(6px);
  transition:opacity .16s ease, transform .16s ease, visibility .16s ease;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown{opacity:1; visibility:visible; transform:translateY(0);}
.dropdown a{display:block; padding:10px 12px; border-radius:8px; font-size:0.92rem; color:var(--charcoal);}
.dropdown a:hover{background:var(--bg-alt); color:var(--navy);}
.header-actions{display:flex; align-items:center; gap:10px;}
.header-phone{display:flex; align-items:center; gap:7px; font-weight:600; color:var(--navy); font-size:0.95rem;}
.header-phone svg{width:16px; height:16px; color:var(--emerald-dark);}
.nav-toggle{display:none; background:none; border:none; cursor:pointer; padding:6px;}
.nav-toggle span{display:block; width:24px; height:2px; background:var(--navy); margin:5px 0; border-radius:2px;}

/* ---------- Hero ---------- */
.hero{position:relative; overflow:hidden; background:var(--navy);}
.hero-grid{display:grid; grid-template-columns:1.05fr 0.95fr; gap:40px; align-items:center; padding:76px 0 90px;}
.hero h1{color:#fff;}
.hero .lead{color:#C7D3DF;}
.hero-eyebrow{color:#8FE3BC;}
.hero-eyebrow::before{background:#8FE3BC;}
.hero-media{position:relative; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-lg); aspect-ratio:4/3;}
.hero-media img{width:100%; height:100%; object-fit:cover;}
.hero-badge{
  position:absolute; bottom:20px; left:20px; background:#fff; border-radius:var(--radius-md); padding:16px 18px;
  box-shadow:var(--shadow-lg); display:flex; align-items:center; gap:12px; max-width:260px;
}
.hero-badge .dot{width:38px; height:38px; border-radius:50%; background:var(--emerald-tint); display:flex; align-items:center; justify-content:center; flex-shrink:0;}
.hero-badge .dot svg{width:18px; height:18px; color:var(--emerald-dark);}
.hero-badge strong{display:block; color:var(--navy); font-size:0.95rem;}
.hero-badge span{font-size:0.8rem; color:var(--gray);}
.hero-route{position:absolute; inset:0; opacity:0.16; pointer-events:none;}

.page-hero{background:var(--navy); padding:64px 0 56px; position:relative; overflow:hidden;}
.page-hero h1{color:#fff; margin-bottom:12px;}
.page-hero .lead{color:#C7D3DF; max-width:640px;}
.breadcrumb{font-size:0.85rem; color:#9FB3C4; margin-bottom:16px;}
.breadcrumb a{color:#C7D3DF;} .breadcrumb a:hover{color:#fff;}

/* ---------- Cards ---------- */
.grid{display:grid; gap:26px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}

.card{
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:30px;
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover{transform:translateY(-4px); box-shadow:var(--shadow-md); border-color:transparent;}
.card .icon-badge{width:46px; height:46px; border-radius:12px; background:var(--emerald-tint); display:flex; align-items:center; justify-content:center; margin-bottom:16px;}
.card .icon-badge svg{width:22px; height:22px; color:var(--emerald-dark);}
.card h3{margin-bottom:8px; font-size:1.15rem;}
.card p{margin-bottom:0; font-size:0.95rem;}
.card a.card-link{display:inline-flex; align-items:center; gap:6px; margin-top:14px; font-weight:600; color:var(--navy); font-size:0.9rem;}
.card a.card-link:hover{color:var(--emerald-dark);}

.coverage-card{
  background:#fff; border-radius:var(--radius-lg); overflow:hidden; border:1px solid var(--border);
  transition:transform .2s ease, box-shadow .2s ease;
}
.coverage-card:hover{transform:translateY(-4px); box-shadow:var(--shadow-md);}
.coverage-card .img-wrap{aspect-ratio:4/3; overflow:hidden;}
.coverage-card .img-wrap img{width:100%; height:100%; object-fit:cover; transition:transform .4s ease;}
.coverage-card:hover .img-wrap img{transform:scale(1.05);}
.coverage-card .body{padding:24px;}
.coverage-card h3{margin-bottom:8px;}
.coverage-card p{font-size:0.94rem; margin-bottom:14px;}

/* ---------- Stats strip ---------- */
.stats-strip{display:grid; grid-template-columns:repeat(4,1fr); gap:24px; padding:44px 0;}
.stat{text-align:center;}
.stat .num{font-family:var(--font-display); font-size:2.4rem; color:var(--navy); font-weight:600;}
.stat .label{font-size:0.85rem; color:var(--gray); text-transform:uppercase; letter-spacing:0.06em;}

/* ---------- Route divider (signature element) ---------- */
.route-divider{width:100%; height:64px; display:block;}
.route-divider path{stroke:var(--border); stroke-width:2; fill:none; stroke-dasharray:1 10; stroke-linecap:round;}

/* ---------- Steps (genuine sequence) ---------- */
.steps{position:relative; display:grid; grid-template-columns:repeat(3,1fr); gap:32px; margin-top:20px;}
.step{position:relative; padding-top:8px;}
.step .marker{
  width:44px; height:44px; border-radius:50%; background:var(--navy); color:#fff; display:flex; align-items:center; justify-content:center;
  font-family:var(--font-display); font-weight:600; font-size:1.1rem; margin-bottom:16px;
}
.step h3{font-size:1.1rem;}

/* ---------- Testimonials ---------- */
.testimonial{
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:28px; position:relative;
}
.testimonial .stars{color:var(--emerald); font-size:0.9rem; margin-bottom:12px; letter-spacing:2px;}
.testimonial p{font-style:italic; color:var(--charcoal); font-size:1rem;}
.testimonial .who{display:flex; align-items:center; gap:10px; margin-top:16px;}
.testimonial .avatar{width:38px; height:38px; border-radius:50%; overflow:hidden; background:var(--navy-tint);}
.testimonial .avatar img{width:100%; height:100%; object-fit:cover;}
.testimonial .who strong{display:block; font-size:0.9rem; color:var(--navy);}
.testimonial .who span{font-size:0.8rem; color:var(--gray);}

/* ---------- FAQ accordion ---------- */
.faq-item{border-bottom:1px solid var(--border); padding:22px 0;}
.faq-q{display:flex; align-items:center; justify-content:space-between; gap:16px; cursor:pointer; font-family:var(--font-display); font-size:1.08rem; color:var(--navy); font-weight:600;}
.faq-q .chev{width:22px; height:22px; flex-shrink:0; transition:transform .25s ease; color:var(--emerald-dark);}
.faq-item.open .faq-q .chev{transform:rotate(180deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .3s ease;}
.faq-item.open .faq-a{max-height:600px;}
.faq-a p{padding-top:12px; margin-bottom:0;}
.faq-cat{margin-bottom:8px; margin-top:44px;}
.faq-cat:first-child{margin-top:0;}

/* ---------- Forms ---------- */
.form-card{background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:36px; box-shadow:var(--shadow-md);}
.form-row{display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-bottom:16px;}
.form-group{margin-bottom:16px;}
.form-group label{display:block; font-size:0.85rem; font-weight:600; color:var(--navy); margin-bottom:6px;}
.form-group input, .form-group select, .form-group textarea{
  width:100%; padding:12px 14px; border:1.5px solid var(--border); border-radius:var(--radius-sm); font-family:inherit; font-size:0.96rem; color:var(--charcoal);
  transition:border-color .15s ease, box-shadow .15s ease; background:#fff;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus{
  outline:none; border-color:var(--emerald); box-shadow:0 0 0 3px rgba(15,169,104,0.15);
}
.form-group textarea{resize:vertical; min-height:110px;}
.form-note{font-size:0.8rem; color:var(--gray-light); margin-top:14px;}
.form-success{display:none; text-align:center; padding:40px 20px;}
.form-success.show{display:block;}
.form-success .check{width:60px; height:60px; border-radius:50%; background:var(--emerald-tint); display:flex; align-items:center; justify-content:center; margin:0 auto 18px;}
.form-success .check svg{width:28px; height:28px; color:var(--emerald-dark);}

/* ---------- Contact strip ---------- */
.contact-methods{display:grid; grid-template-columns:repeat(3,1fr); gap:20px;}
.contact-method{background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:26px; text-align:center;}
.contact-method .icon-badge{margin:0 auto 14px;}
.contact-method a{font-weight:600; color:var(--navy);}
.contact-method a:hover{color:var(--emerald-dark);}

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta{
  position:fixed; bottom:0; left:0; right:0; z-index:90; background:#fff; border-top:1px solid var(--border);
  padding:10px 16px; display:none; gap:10px; box-shadow:0 -6px 20px rgba(10,37,64,0.1);
}
.sticky-cta a{flex:1;}

/* ---------- Footer ---------- */
footer.site-footer{background:var(--navy); color:#B9C7D3; padding:64px 0 26px;}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:44px; border-bottom:1px solid rgba(255,255,255,0.1);}
.footer-brand .brand{color:#fff;}
.footer-brand p{color:#9FB0BF; font-size:0.92rem; margin-top:14px; max-width:280px;}
.footer-col h4{color:#fff; font-family:var(--font-body); font-size:0.85rem; letter-spacing:0.08em; text-transform:uppercase; margin-bottom:16px;}
.footer-col a{display:block; padding:6px 0; font-size:0.92rem; color:#B9C7D3;}
.footer-col a:hover{color:#fff;}
.footer-social{display:flex; gap:10px; margin-top:18px;}
.footer-social a{width:36px; height:36px; border-radius:50%; background:rgba(255,255,255,0.08); display:flex; align-items:center; justify-content:center;}
.footer-social a:hover{background:var(--emerald);}
.footer-social svg{width:16px; height:16px;}
.footer-bottom{display:flex; justify-content:space-between; align-items:center; padding-top:26px; font-size:0.82rem; color:#8398A8; flex-wrap:wrap; gap:10px;}
.footer-bottom a{color:#8398A8;} .footer-bottom a:hover{color:#fff;}

/* ---------- Photo placeholders ----------
   Stand-ins for licensed photography. Swap the <div class="photo"> background
   for a real <img> once photos are available — the caption tells you what
   shot to use. */
.photo{
  position:relative; border-radius:var(--radius-lg); overflow:hidden; aspect-ratio:4/3;
  background:linear-gradient(150deg, var(--navy) 0%, var(--navy-light) 55%, var(--emerald-dark) 130%);
  display:flex; align-items:flex-end; box-shadow:var(--shadow-md);
}
.photo.square{aspect-ratio:1/1;}
.photo.wide{aspect-ratio:16/9;}
.photo.tall{aspect-ratio:3/4;}
.photo::before{
  content:""; position:absolute; inset:0; opacity:0.5;
  background-image: radial-gradient(circle at 25% 20%, rgba(255,255,255,0.16) 0, transparent 40%),
                     radial-gradient(circle at 80% 85%, rgba(255,255,255,0.10) 0, transparent 45%);
}
.photo .photo-icon{position:absolute; top:50%; left:50%; transform:translate(-50%,-56%); opacity:0.5;}
.photo .photo-icon svg{width:64px; height:64px; color:#fff;}
.photo .caption{
  position:relative; z-index:1; padding:14px 16px; font-size:0.72rem; color:rgba(255,255,255,0.85);
  background:linear-gradient(0deg, rgba(0,0,0,0.35), transparent); width:100%; letter-spacing:0.02em;
}
.photo .caption b{display:block; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; font-size:0.63rem; color:#8FE3BC; margin-bottom:2px;}

/* ---------- Utility ---------- */
.tag{display:inline-block; background:var(--emerald-tint); color:var(--emerald-dark); font-size:0.76rem; font-weight:700; letter-spacing:0.04em; text-transform:uppercase; padding:5px 11px; border-radius:999px;}
.divider{height:1px; background:var(--border); width:100%; margin:0;}
.two-col{display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;}
.img-rounded{border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-md);}
.checklist li{display:flex; gap:12px; padding:10px 0; align-items:flex-start; color:var(--charcoal); font-size:0.98rem;}
.checklist svg{width:20px; height:20px; color:var(--emerald); flex-shrink:0; margin-top:2px;}
.blog-card .tag{margin-bottom:14px;}
.blog-card .meta{font-size:0.8rem; color:var(--gray-light); margin-top:10px;}

/* Reveal-on-scroll */
.reveal{opacity:0; transform:translateY(18px); transition:opacity .6s ease, transform .6s ease;}
.reveal.in{opacity:1; transform:translateY(0);}

/* ---------- Responsive ---------- */
@media (max-width: 980px){
  .hero-grid{grid-template-columns:1fr; padding-top:48px;}
  .two-col{grid-template-columns:1fr; gap:32px;}
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .stats-strip{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr; row-gap:36px;}
  .contact-methods{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
}
@media (max-width: 760px){
  .topbar{display:none;}
  nav.main-nav{
    position:fixed; top:64px; left:0; right:0; bottom:0; background:#fff; flex-direction:column; align-items:stretch;
    padding:14px; overflow-y:auto; transform:translateX(100%); transition:transform .25s ease; z-index:99;
  }
  nav.main-nav.open{transform:translateX(0);}
  nav.main-nav > ul{flex-direction:column; align-items:stretch; gap:0;}
  .dropdown{position:static; box-shadow:none; opacity:1; visibility:visible; transform:none; display:none; border:none; padding-left:14px;}
  .has-dropdown.open .dropdown{display:block;}
  .header-phone{display:none;}
  .nav-toggle{display:block;}
  .grid-2, .grid-3, .grid-4{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr; gap:30px;}
  .sticky-cta{display:flex;}
  body{padding-bottom:70px;}
  .hero-badge{display:none;}
}