/* ============================================================
   Kelley Agency USA — Merged Stylesheet
   Modern design (Inter/Playfair, gradients) + Multi-page layout
   ============================================================ */

/* ---- Google Fonts loaded via HTML ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', 'Segoe UI', sans-serif; color: #1a2035; background: #fff; line-height: 1.6; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* ---- Tokens ---- */
:root {
  --navy: #0d1b3e;
  --navy-mid: #1a2f5e;
  --navy-light: #1a3a7a;
  --blue: #1e4fc2;
  --blue-light: #3a6fef;
  --gold: #f4c542;
  --gold-dark: #d4a017;
  --white: #ffffff;
  --gray-100: #f7f8fc;
  --gray-200: #eef0f8;
  --gray-500: #6b7280;
  --gray-700: #374151;
  --radius: 16px;
  --shadow: 0 8px 32px rgba(13,27,62,0.12);
  --shadow-lg: 0 20px 60px rgba(13,27,62,0.18);
  --transition: all 0.3s ease;
}

/* ---- Utilities ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 96px 0; }
.gradient-text { background: linear-gradient(135deg, var(--blue-light), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.section-header { text-align: center; margin-bottom: 60px; }
.section-badge { display: inline-block; background: linear-gradient(135deg, #e8efff, #fff3cc); color: var(--navy-mid); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 6px 18px; border-radius: 50px; margin-bottom: 16px; border: 1px solid rgba(30,79,194,0.15); }
.section-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 2px; color: var(--gold); font-weight: 700; margin-bottom: 12px; display: block; }
.section-title { font-family: 'Playfair Display', Georgia, serif; font-size: clamp(1.9rem, 4vw, 2.7rem); font-weight: 700; line-height: 1.2; margin-bottom: 16px; color: var(--navy); }
.section-title span { background: linear-gradient(135deg, var(--blue-light), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.section-subtitle { font-size: 1.05rem; color: var(--gray-500); max-width: 600px; margin: 0 auto; }
.section-header .section-subtitle { margin: 0 auto; }

/* ---- Buttons ---- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 28px; border-radius: 50px; font-weight: 600; font-size: 0.95rem; cursor: pointer; transition: var(--transition); border: 2px solid transparent; white-space: nowrap; font-family: inherit; }
.btn-primary { background: linear-gradient(135deg, var(--blue), var(--blue-light)); color: #fff; box-shadow: 0 4px 20px rgba(30,79,194,0.35); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(30,79,194,0.45); }
.btn-gold { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: var(--navy); font-weight: 700; box-shadow: 0 4px 20px rgba(244,197,66,0.4); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(244,197,66,0.5); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
.btn-outline-light:hover { background: rgba(255,255,255,0.15); }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

/* Legacy btn classes used in old pages */
.btn-primary-legacy, a.btn-primary { display: inline-flex; align-items: center; gap: 8px; padding: 14px 30px; border-radius: 50px; font-weight: 600; font-size: 0.95rem; background: linear-gradient(135deg, var(--blue), var(--blue-light)); color: #fff; box-shadow: 0 4px 20px rgba(30,79,194,0.35); transition: var(--transition); border: none; cursor: pointer; font-family: inherit; }
a.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(30,79,194,0.45); }
a.btn-secondary { display: inline-flex; align-items: center; gap: 8px; padding: 13px 28px; border-radius: 50px; font-weight: 600; font-size: 0.95rem; background: transparent; color: var(--navy); border: 2px solid var(--navy); transition: var(--transition); }
a.btn-secondary:hover { background: var(--navy); color: #fff; }
a.btn-navy { display: inline-flex; align-items: center; gap: 8px; padding: 14px 30px; border-radius: 50px; font-weight: 600; font-size: 0.95rem; background: var(--navy); color: #fff; transition: var(--transition); border: none; }
a.btn-navy:hover { background: var(--blue); transform: translateY(-2px); }

/* ---- Top Bar ---- */
.top-bar { background: var(--navy); color: rgba(255,255,255,0.8); font-size: 0.82rem; font-weight: 500; padding: 9px 0; }
.top-bar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.top-bar a { color: var(--gold); font-weight: 600; transition: var(--transition); }
.top-bar a:hover { color: #fff; }
.top-bar-left, .top-bar-right { display: flex; align-items: center; gap: 20px; }

/* ---- Header / Navbar ---- */
.header { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,0.97); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(0,0,0,0.06); transition: var(--transition); }
.header.scrolled { box-shadow: 0 4px 24px rgba(13,27,62,0.1); }
.header .container { display: flex; justify-content: space-between; align-items: center; padding: 14px 24px; height: 72px; }

.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon { width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; font-size: 24px; }
.nav-logo-img { height: 72px; width: auto; object-fit: contain; }
.logo-text { display: none; }
.logo-text .agency-name { font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 800; line-height: 1.1; color: var(--navy); }
.logo-text .agency-name span { background: linear-gradient(135deg, var(--blue), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.logo-text .tagline { font-size: 0.68rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 1.2px; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a { color: var(--gray-700); padding: 8px 14px; border-radius: 8px; font-size: 0.9rem; font-weight: 500; transition: var(--transition); }
.nav a:hover, .nav a.active { color: var(--blue); background: var(--gray-100); }
.nav .nav-cta { background: linear-gradient(135deg, var(--blue), var(--blue-light)); color: #fff !important; font-weight: 700 !important; padding: 10px 20px !important; border-radius: 50px; margin-left: 8px; box-shadow: 0 4px 16px rgba(30,79,194,0.3); }
.nav .nav-cta:hover { background: linear-gradient(135deg, var(--blue-light), var(--blue)); transform: translateY(-1px); }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; flex-direction: column; gap: 5px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: var(--transition); }

/* ---- Hero (Home) ---- */
.hero { position: relative; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 55%, var(--navy-light) 100%); min-height: 88vh; display: flex; align-items: center; overflow: hidden; padding: 80px 0 60px; }
.hero-bg-overlay { position: absolute; inset: 0; background: radial-gradient(ellipse at 70% 50%, rgba(58,111,239,0.2) 0%, transparent 60%), radial-gradient(ellipse at 10% 80%, rgba(244,197,66,0.08) 0%, transparent 50%); }
.hero .container { display: grid; grid-template-columns: 1fr 460px; gap: 60px; align-items: center; position: relative; z-index: 1; }

.hero-content .hero-badge-pill { display: inline-flex; align-items: center; gap: 8px; background: rgba(244,197,66,0.15); border: 1px solid rgba(244,197,66,0.4); color: var(--gold); font-size: 0.82rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 8px 18px; border-radius: 50px; margin-bottom: 24px; }
.hero-content h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.4rem, 5vw, 3.5rem); font-weight: 800; line-height: 1.15; color: #fff; margin-bottom: 20px; }
.hero-content h1 span { background: linear-gradient(135deg, var(--blue-light), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-content > p, .hero-content .hero-subtitle { font-size: 1.1rem; color: rgba(255,255,255,0.82); margin-bottom: 32px; line-height: 1.75; max-width: 500px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-badges { display: flex; flex-direction: column; gap: 10px; }
.hero-badge { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.85); font-size: 0.9rem; }
.hero-badge .check { color: var(--gold); font-weight: 700; font-size: 1rem; }

/* Hero image wrap */
.hero-image-wrap { position: relative; }
.hero-image-glow { position: absolute; inset: -20px; background: radial-gradient(ellipse, rgba(58,111,239,0.25) 0%, transparent 70%); border-radius: 50%; }
.hero-img { border-radius: 24px; box-shadow: var(--shadow-lg); position: relative; z-index: 1; width: 100%; object-fit: cover; max-height: 500px; }
.floating-card { position: absolute; bottom: 24px; left: -20px; background: #fff; border-radius: 14px; padding: 14px 20px; display: flex; align-items: center; gap: 12px; box-shadow: var(--shadow-lg); z-index: 2; animation: float 3s ease-in-out infinite; }
.floating-card-icon { font-size: 1.8rem; }
.floating-card-title { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.floating-card-sub { font-size: 0.75rem; color: var(--gray-500); }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; line-height: 0; }
.hero-wave svg { width: 100%; height: 60px; }

/* Quote Form Card */
.quote-form-card { background: #fff; border-radius: 24px; padding: 36px; box-shadow: var(--shadow-lg); }
.quote-form-card .form-title { font-family: 'Playfair Display', serif; color: var(--navy); font-size: 1.4rem; margin-bottom: 4px; }
.quote-form-card .form-sub { color: var(--gray-500); font-size: 0.88rem; margin-bottom: 24px; }

/* Forms */
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--gray-700); }
.form-group input, .form-group select, .form-group textarea { padding: 12px 16px; border: 2px solid var(--gray-200); border-radius: 10px; font-size: 0.92rem; color: var(--navy); background: var(--gray-100); transition: var(--transition); font-family: inherit; outline: none; width: 100%; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); background: #fff; box-shadow: 0 0 0 3px rgba(30,79,194,0.08); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit { width: 100%; padding: 15px; background: linear-gradient(135deg, var(--blue), var(--blue-light)); color: #fff; border: none; border-radius: 50px; font-size: 1rem; font-weight: 700; cursor: pointer; transition: var(--transition); margin-top: 6px; font-family: inherit; box-shadow: 0 4px 20px rgba(30,79,194,0.35); }
.form-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(30,79,194,0.45); }
.form-privacy, .form-disclaimer { text-align: center; font-size: 0.76rem; color: var(--gray-500); margin-top: 10px; line-height: 1.5; }
.success-message { display: none; background: #d4edda; border: 1px solid #c3e6cb; border-radius: 10px; padding: 16px; color: #155724; font-size: 0.9rem; margin-top: 12px; text-align: center; }

/* ---- Trust / Stats Bar ---- */
.trust-bar { background: var(--gray-100); padding: 28px 0; border-bottom: 1px solid var(--gray-200); }
.trust-label { text-align: center; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray-500); margin-bottom: 18px; }
.trust-logos { display: flex; justify-content: center; align-items: center; flex-wrap: wrap; gap: 10px 28px; }
.trust-logo-item { font-weight: 700; font-size: 0.9rem; color: var(--gray-700); padding: 8px 18px; background: #fff; border-radius: 8px; border: 1px solid var(--gray-200); box-shadow: 0 2px 8px rgba(0,0,0,0.04); transition: var(--transition); }
.trust-logo-item:hover { border-color: var(--blue); color: var(--blue); }

.stats-bar { background: linear-gradient(135deg, var(--gold-dark), var(--gold)); padding: 28px 0; }
.stats-bar .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-item { color: var(--navy); }
.stat-number { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 800; line-height: 1; margin-bottom: 4px; }
.stat-label { font-size: 0.82rem; font-weight: 600; opacity: 0.8; }

/* ---- Services Section ---- */
.services { background: var(--gray-100); padding: 96px 0; }
.service-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.service-card { background: #fff; border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); border-top: 4px solid var(--blue); transition: var(--transition); }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card.gold-border { border-top-color: var(--gold); }
.service-icon { font-size: 2.6rem; margin-bottom: 20px; }
.service-card h3 { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 12px; }
.service-card > p { color: var(--gray-500); margin-bottom: 20px; line-height: 1.75; }
.service-features { margin-bottom: 28px; }
.service-features li { font-size: 0.9rem; color: var(--gray-700); padding: 7px 0; display: flex; align-items: center; gap: 10px; border-bottom: 1px solid var(--gray-200); }
.service-features li:last-child { border-bottom: none; }
.service-features li::before { content: '✓'; color: var(--blue); font-weight: 700; flex-shrink: 0; }

/* ---- Why Us ---- */
.why-us { background: #fff; padding: 96px 0; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card { text-align: center; padding: 36px 24px; border-radius: var(--radius); border: 1.5px solid var(--gray-200); transition: var(--transition); }
.why-card:hover { border-color: var(--blue); box-shadow: 0 8px 30px rgba(30,79,194,0.1); transform: translateY(-4px); }
.why-icon { font-size: 1.6rem; width: 64px; height: 64px; background: var(--gray-100); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; box-shadow: 0 4px 12px rgba(0,0,0,0.06); }
.why-card h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; font-weight: 700; }
.why-card p { color: var(--gray-500); font-size: 0.88rem; line-height: 1.65; }

/* ---- How It Works ---- */
.how-it-works { background: linear-gradient(135deg, var(--navy), var(--navy-light)); padding: 96px 0; color: #fff; }
.how-it-works .section-title { color: #fff; }
.how-it-works .section-subtitle { color: rgba(255,255,255,0.72); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.step { text-align: center; }
.step-number { width: 80px; height: 80px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 1.8rem; font-weight: 800; color: var(--navy); margin: 0 auto 22px; box-shadow: 0 0 0 10px rgba(244,197,66,0.15); }
.step h3 { font-size: 1.1rem; margin-bottom: 12px; color: var(--gold); font-weight: 700; }
.step p { color: rgba(255,255,255,0.75); font-size: 0.9rem; line-height: 1.7; max-width: 260px; margin: 0 auto; }

/* ---- Testimonials ---- */
.testimonials { background: var(--gray-100); padding: 96px 0; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card { background: #fff; padding: 32px; border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--gray-200); transition: var(--transition); position: relative; }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.stars { color: var(--gold); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { color: var(--gray-700); line-height: 1.75; font-style: italic; margin-bottom: 20px; font-size: 0.93rem; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--blue-light)); color: #fff; font-weight: 700; font-size: 1rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; overflow: hidden; border: 2px solid var(--gray-200); }
.author-avatar img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.author-info .name { font-weight: 700; color: var(--navy); font-size: 0.9rem; }
.author-info .location { color: var(--gray-500); font-size: 0.8rem; }

/* ---- CTA Banner ---- */
.cta-banner { background: linear-gradient(135deg, var(--gold-dark), var(--gold)); padding: 64px 0; text-align: center; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 2rem; color: var(--navy); margin-bottom: 12px; }
.cta-banner p { font-size: 1.05rem; color: var(--navy-mid); margin-bottom: 32px; opacity: 0.9; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---- Footer ---- */
.footer { background: #07101f; color: rgba(255,255,255,0.72); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-brand .logo { margin-bottom: 14px; }
.footer-brand .logo-text .agency-name { color: #fff; }
/* Make logo image white on dark footer background */
.footer-brand .nav-logo-img { height: 72px; width: auto; object-fit: contain; opacity: 0.92; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 280px; }
.footer-col h4 { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 1.5px; color: var(--gold); font-weight: 700; margin-bottom: 20px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 0.88rem; transition: var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; font-size: 0.88rem; }
.contact-icon { color: var(--gold); font-size: 1rem; }
.footer-bottom { padding: 20px 0; display: flex; justify-content: space-between; align-items: center; font-size: 0.78rem; color: rgba(255,255,255,0.35); }
.footer-bottom a { color: rgba(255,255,255,0.4); }
.footer-bottom a:hover { color: var(--gold); }

/* ---- Page Hero (inner pages) ---- */
.page-hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-light) 100%); color: #fff; padding: 80px 0; text-align: center; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 70% 50%, rgba(58,111,239,0.2) 0%, transparent 60%); }
.page-hero .container { position: relative; z-index: 1; }
.page-hero .section-label { color: var(--gold); }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 5vw, 3rem); margin-bottom: 16px; color: #fff; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,0.8); max-width: 600px; margin: 0 auto; line-height: 1.75; }

/* ---- Content Grid (inner pages) ---- */
.content-section { padding: 80px 0; }
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.content-grid.reverse { direction: rtl; }
.content-grid.reverse > * { direction: ltr; }
.content-text .section-label { color: var(--blue); }
.content-text h2 { font-family: 'Playfair Display', serif; font-size: 2rem; color: var(--navy); margin-bottom: 16px; }
.content-text h2 span { background: linear-gradient(135deg, var(--blue-light), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.content-text p { color: var(--gray-500); margin-bottom: 18px; line-height: 1.8; }
.content-image { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); border-radius: var(--radius); height: 380px; display: flex; align-items: center; justify-content: center; font-size: 7rem; box-shadow: var(--shadow-lg); }
.content-photo {
  display: block;
  width: 100%;
  height: 460px;
  object-fit: cover;
  object-position: center 28%;
  -webkit-mask-image: radial-gradient(ellipse 88% 92% at 50% 50%, #000 58%, transparent 100%);
          mask-image: radial-gradient(ellipse 88% 92% at 50% 50%, #000 58%, transparent 100%);
}
@media (max-width: 768px) {
  .content-photo { height: 360px; }
}

/* ---- Info Cards (inner pages) ---- */
.info-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.info-card { background: #fff; border-radius: var(--radius); padding: 32px 24px; box-shadow: var(--shadow); border-bottom: 3px solid var(--blue); transition: var(--transition); }
.info-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.info-card .card-icon, .info-card .info-card-icon { font-size: 2.4rem; margin-bottom: 14px; display: block; }
.info-card h3, .info-card h4 { color: var(--navy); font-size: 1.05rem; margin-bottom: 10px; font-weight: 700; }
.info-card p { color: var(--gray-500); font-size: 0.88rem; line-height: 1.6; margin: 0; }
.info-card-stat { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 800; background: linear-gradient(135deg, var(--blue), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; margin-bottom: 8px; }

/* ---- Feature List ---- */
.feature-list { display: flex; flex-direction: column; gap: 18px; margin-bottom: 32px; }
.feature-item { display: flex; gap: 14px; align-items: flex-start; }
.feature-check { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; color: var(--blue); }
.feature-item strong { display: block; font-size: 1rem; color: var(--navy); margin-bottom: 2px; }
.feature-item p { font-size: 0.88rem; color: var(--gray-500); margin: 0; line-height: 1.5; }

/* ---- Medicare Cards ---- */
.medicare-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.medicare-card { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 36px 28px; transition: var(--transition); position: relative; overflow: hidden; }
.medicare-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(135deg, var(--blue), var(--blue-light)); opacity: 0; transition: var(--transition); }
.medicare-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.medicare-card:hover::before { opacity: 1; }
.medicare-card--dark { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); border-color: transparent; }
.medicare-card--dark::before { opacity: 1; background: linear-gradient(135deg, var(--gold), var(--gold-dark)); }
.medicare-card--dark h3, .medicare-card--dark p { color: rgba(255,255,255,0.9); }
.medicare-card--dark .service-features li { color: rgba(255,255,255,0.85); border-color: rgba(255,255,255,0.1); }
.medicare-card-badge { display: inline-block; font-size: 0.7rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; padding: 4px 12px; border-radius: 50px; margin-bottom: 12px; background: var(--gray-100); color: var(--blue); }
.badge--gold { background: var(--gold); color: var(--navy); }
.medicare-card h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 12px; color: var(--navy); }
.medicare-card > p { font-size: 0.92rem; color: var(--gray-500); margin-bottom: 20px; line-height: 1.7; }

/* ---- FAQ ---- */
.faq { background: #fff; padding: 80px 0; }
.faq-list { max-width: 780px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1px solid var(--gray-200); border-radius: 12px; overflow: hidden; transition: var(--transition); }
.faq-item.open { border-color: rgba(30,79,194,0.3); box-shadow: 0 4px 16px rgba(30,79,194,0.08); }
.faq-question { width: 100%; background: none; border: none; padding: 22px 24px; display: flex; justify-content: space-between; align-items: center; font-family: inherit; font-size: 1rem; font-weight: 600; color: var(--navy); cursor: pointer; text-align: left; transition: var(--transition); }
.faq-question:hover { background: var(--gray-100); }
.faq-arrow { font-size: 0.8rem; color: var(--blue); transition: transform 0.3s ease; flex-shrink: 0; margin-left: 16px; }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-answer p { padding: 0 24px 22px; font-size: 0.95rem; color: var(--gray-500); line-height: 1.7; }
.faq-item.open .faq-answer { max-height: 300px; }

/* ---- Highlight Box ---- */
.highlight-box { background: linear-gradient(135deg, var(--navy), var(--navy-light)); border-radius: var(--radius); padding: 48px 40px; color: #fff; text-align: center; }
.highlight-box h3 { font-family: 'Playfair Display', serif; font-size: 1.8rem; margin-bottom: 12px; color: #fff; }
.highlight-box p { color: rgba(255,255,255,0.82); margin-bottom: 28px; font-size: 1.05rem; line-height: 1.7; }
.highlight-box .cta-buttons { justify-content: center; }

/* ---- Metric Cards (About) ---- */
.metric-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.metric-card { background: #fff; border-radius: var(--radius); padding: 32px 20px; text-align: center; box-shadow: var(--shadow); transition: var(--transition); }
.metric-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.metric-num { display: block; font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 800; background: linear-gradient(135deg, var(--blue), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; line-height: 1; margin-bottom: 8px; }
.metric-label { font-size: 0.82rem; font-weight: 600; color: var(--gray-500); }

/* ---- Values Grid (About) ---- */
.values-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.value-card { background: var(--gray-100); border-radius: 12px; padding: 28px; border-left: 4px solid var(--blue); transition: var(--transition); }
.value-card:hover { border-left-color: var(--gold); box-shadow: var(--shadow); }
.value-card h3 { color: var(--navy); margin-bottom: 10px; font-size: 1.02rem; font-weight: 700; }
.value-card p { color: var(--gray-500); font-size: 0.88rem; line-height: 1.65; }

/* ---- Agent Card (About) ---- */
.agent-card { display: flex; gap: 36px; align-items: center; background: var(--gray-100); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); }
.agent-photo { width: 160px; height: 160px; border-radius: 50%; overflow: hidden; flex-shrink: 0; border: 4px solid var(--gold); box-shadow: 0 8px 30px rgba(30,79,194,0.2); }
.agent-photo img { width: 100%; height: 100%; object-fit: cover; }
.agent-photo-placeholder { width: 160px; height: 160px; border-radius: 50%; background: linear-gradient(135deg, var(--navy), var(--navy-mid)); display: flex; align-items: center; justify-content: center; font-size: 4rem; flex-shrink: 0; border: 4px solid var(--gold); }
.agent-info h3 { font-family: 'Playfair Display', serif; font-size: 1.6rem; color: var(--navy); margin-bottom: 4px; }
.agent-info .title { color: var(--blue); font-weight: 600; font-size: 0.88rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; display: block; }
.agent-info p { color: var(--gray-500); line-height: 1.75; font-size: 0.95rem; margin-bottom: 12px; }
.agent-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 20px; }

/* ---- Carrier Marquee (About) ---- */
.carrier-marquee {
  overflow: hidden;
  background: #fff;
  border-radius: 16px;
  padding: 40px 0;
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.04);
  -webkit-mask-image: linear-gradient(to right, transparent 0, #000 8%, #000 92%, transparent 100%);
          mask-image: linear-gradient(to right, transparent 0, #000 8%, #000 92%, transparent 100%);
}
.carrier-track {
  display: flex;
  width: max-content;
  align-items: center;
  animation: carrier-scroll 40s linear infinite;
  will-change: transform;
}
.carrier-track:hover { animation-play-state: paused; }
.carrier-track .carrier-logo {
  height: 140px;
  width: auto;
  margin-right: 104px;
  flex-shrink: 0;
  -webkit-filter: invert(1);
          filter: invert(1);
  -webkit-user-select: none;
          user-select: none;
  -webkit-user-drag: none;
  pointer-events: none;
}
@keyframes carrier-scroll {
  from { -webkit-transform: translate3d(0, 0, 0); transform: translate3d(0, 0, 0); }
  to   { -webkit-transform: translate3d(-50%, 0, 0); transform: translate3d(-50%, 0, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .carrier-track { animation: none; }
}
@media (max-width: 768px) {
  .carrier-marquee { border-radius: 12px; padding: 28px 0; }
  .carrier-track .carrier-logo { height: 92px; margin-right: 64px; }
}

/* ---- Contact Page ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 48px; align-items: start; }
.contact-info-card { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); color: #fff; border-radius: var(--radius); padding: 40px; }
.contact-info-card h3 { font-family: 'Playfair Display', serif; font-size: 1.4rem; margin-bottom: 8px; color: var(--gold); }
.contact-info-card > p { color: rgba(255,255,255,0.75); margin-bottom: 32px; font-size: 0.9rem; line-height: 1.7; }
.contact-detail { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 24px; }
.contact-detail-icon { width: 44px; height: 44px; background: rgba(244,197,66,0.15); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; flex-shrink: 0; color: var(--gold); }
.contact-detail-text .label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 1px; color: var(--gold); font-weight: 600; display: block; margin-bottom: 2px; }
.contact-detail-text .value { font-size: 1rem; color: #fff; font-weight: 600; }
.contact-tip { background: linear-gradient(135deg, var(--gold-dark), var(--gold)); border-radius: 12px; padding: 24px; margin-top: 24px; }
.contact-tip h4 { font-size: 0.9rem; color: var(--navy); margin-bottom: 8px; font-weight: 700; }
.contact-tip p { font-size: 0.85rem; color: var(--navy-mid); line-height: 1.6; }
.contact-form-card { background: #fff; border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow-lg); }
.contact-form-card h3 { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 6px; }
.contact-form-card > p { color: var(--gray-500); margin-bottom: 28px; font-size: 0.9rem; }

/* ---- Disclaimer ---- */
.disclaimer { background: var(--gray-100); padding: 28px 0; border-top: 1px solid var(--gray-200); }
.disclaimer p { font-size: 0.76rem; color: var(--gray-500); line-height: 1.6; text-align: center; max-width: 900px; margin: 0 auto; }

/* ---- Save Contact Landing Page ---- */
.save-contact-page {
  background:
    linear-gradient(180deg, #f9fbff 0%, #ffffff 46%, #f7f8fc 100%);
  color: var(--navy);
  min-height: 100vh;
}
.save-contact-shell {
  width: min(100%, 560px);
  margin: 0 auto;
  padding: 22px 16px 28px;
}
.save-contact-card,
.save-next-card,
.save-trust-card {
  background: #fff;
  border: 1px solid rgba(13,27,62,0.08);
  border-radius: 24px;
  box-shadow: 0 14px 44px rgba(13,27,62,0.1);
}
.save-contact-card {
  padding: 22px 18px 20px;
  text-align: center;
}
.save-logo-wrap {
  display: flex;
  justify-content: center;
  margin-bottom: 12px;
}
.save-logo {
  width: 120px;
  height: auto;
}
.save-agent-photo {
  width: 132px;
  height: 132px;
  margin: 0 auto 16px;
  border-radius: 50%;
  overflow: hidden;
  border: 4px solid var(--gold);
  box-shadow: 0 12px 30px rgba(30,79,194,0.18);
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
}
.save-agent-photo img,
.save-agent-photo-fallback {
  width: 100%;
  height: 100%;
}
.save-agent-photo img {
  object-fit: cover;
}
.save-agent-photo-fallback {
  display: none;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 800;
  font-size: 2.1rem;
  letter-spacing: 0;
}
.save-kicker {
  margin: 0 0 5px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.save-contact-card h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 2.15rem;
  line-height: 1.08;
  margin-bottom: 12px;
  color: var(--navy);
}
.save-intro {
  max-width: 440px;
  margin: 0 auto 18px;
  color: var(--gray-700);
  font-size: 1rem;
  line-height: 1.65;
}
.save-agent-summary {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: 18px;
  padding: 16px;
  margin-bottom: 18px;
}
.save-agent-summary h2 {
  font-size: 1.35rem;
  line-height: 1.2;
  margin-bottom: 4px;
  color: var(--navy);
}
.save-agent-summary p,
.save-agent-summary span {
  display: block;
  color: var(--gray-700);
  font-size: 0.92rem;
  line-height: 1.4;
}
.save-agent-summary span {
  color: var(--blue);
  font-weight: 700;
  margin-top: 4px;
}
.save-primary-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  min-height: 62px;
  padding: 16px 20px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-weight: 800;
  font-size: 1.05rem;
  line-height: 1.2;
  box-shadow: 0 10px 28px rgba(212,160,23,0.32);
  transition: var(--transition);
}
.save-primary-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 34px rgba(212,160,23,0.42);
}
.save-action-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin: 14px 0 18px;
}
.save-action-grid a {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 10px;
  border-radius: 14px;
  background: #fff;
  border: 1.5px solid var(--gray-200);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.88rem;
  transition: var(--transition);
}
.save-action-grid a:hover {
  border-color: var(--blue);
  color: var(--blue);
  background: #f5f8ff;
}
.save-info-list {
  display: grid;
  gap: 9px;
  text-align: left;
}
.save-info-list div {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  padding: 12px 0;
  border-top: 1px solid var(--gray-200);
}
.save-info-list span {
  color: var(--gray-500);
  font-size: 0.83rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  flex-shrink: 0;
}
.save-info-list a {
  color: var(--navy);
  font-weight: 700;
  text-align: right;
  overflow-wrap: anywhere;
}
.save-next-card,
.save-trust-card {
  padding: 22px 20px;
  margin-top: 14px;
}
.save-next-card {
  border-left: 5px solid var(--gold);
}
.save-trust-card {
  border-left: 5px solid var(--blue);
}
.save-next-card h2,
.save-trust-card h2 {
  color: var(--navy);
  font-size: 1.18rem;
  line-height: 1.25;
  margin-bottom: 8px;
}
.save-next-card p,
.save-trust-card p {
  color: var(--gray-700);
  font-size: 0.96rem;
  line-height: 1.65;
}
.save-npn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 14px;
  padding: 8px 12px;
  border-radius: 999px;
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  color: var(--navy);
  font-size: 0.9rem;
}
.save-footer {
  width: min(100%, 560px);
  margin: 0 auto;
  padding: 0 16px 28px;
  text-align: center;
}
.save-footer p {
  color: var(--gray-500);
  font-size: 0.76rem;
  line-height: 1.55;
  margin-bottom: 8px;
}
.save-footer a {
  color: var(--blue);
  font-weight: 700;
}
@media (min-width: 720px) {
  .save-contact-shell {
    padding-top: 42px;
  }
  .save-contact-card {
    padding: 30px 34px 28px;
  }
  .save-contact-card h1 {
    font-size: 2.55rem;
  }
  .save-agent-photo {
    width: 150px;
    height: 150px;
  }
}
@media (max-width: 380px) {
  .save-action-grid {
    grid-template-columns: 1fr;
  }
  .save-info-list div {
    flex-direction: column;
    gap: 2px;
  }
  .save-info-list a {
    text-align: left;
  }
}

/* ---- Success Modal ---- */
.modal-overlay { position: fixed; inset: 0; background: rgba(0,0,0,0.6); backdrop-filter: blur(4px); z-index: 9999; display: none; align-items: center; justify-content: center; }
.modal-overlay.active { display: flex; }
.modal { background: #fff; border-radius: 24px; padding: 48px 40px; text-align: center; max-width: 440px; width: 90%; box-shadow: var(--shadow-lg); animation: popIn 0.3s ease; }
@keyframes popIn { from { transform: scale(0.8); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.modal-icon { font-size: 3rem; margin-bottom: 16px; }
.modal h3 { font-family: 'Playfair Display', serif; font-size: 1.6rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.modal p { color: var(--gray-500); margin-bottom: 28px; line-height: 1.6; }
.modal-close { display: block; width: 100%; margin-top: 12px; background: none; border: none; color: var(--gray-500); cursor: pointer; font-size: 0.9rem; font-family: inherit; padding: 8px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; text-align: center; }
  .hero-image-wrap { display: none; }
  .hero-ctas { justify-content: center; }
  .hero-badges { align-items: center; }
  .service-cards { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-bar .container { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .testimonial-grid { grid-template-columns: 1fr 1fr; }
  .info-cards { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; }
  .content-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .agent-card { flex-direction: column; text-align: center; }
  .agent-btns { justify-content: center; }
  .medicare-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .metric-cards { grid-template-columns: repeat(2, 1fr); }
  .carrier-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .nav { display: none; }
  .nav.open { display: flex; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: #fff; padding: 16px; border-bottom: 1px solid var(--gray-200); box-shadow: var(--shadow); z-index: 999; }
  .nav-toggle { display: flex; }
  .header { position: relative; }
  .hero-content h1 { font-size: 2.2rem; }
  .section-title { font-size: 1.8rem; }
  .why-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .info-cards { grid-template-columns: 1fr; }
  .top-bar .container { flex-direction: column; gap: 4px; text-align: center; }
  .cta-banner h2 { font-size: 1.6rem; }
  .page-hero h1 { font-size: 2rem; }
  .metric-cards { grid-template-columns: repeat(2, 1fr); }
  .carrier-grid { grid-template-columns: repeat(2, 1fr); }
  .section-pad { padding: 64px 0; }
  .services, .why-us, .how-it-works, .testimonials { padding: 64px 0; }
}