/* ═══════════════════════════════════════════════════════════
   RICHON INSURANCE — 2005 CORPORATE STYLE
   Verdana · Gradients · Borders · Compact
   ═══════════════════════════════════════════════════════════ */

:root {
    --blue-dark: #003366;
    --blue-mid: #336699;
    --blue-light: #5B8DB8;
    --blue-pale: #D6E4F0;
    --bg: #EFEFEF;
    --white: #FFFFFF;
    --border: #B0B0B0;
    --border-light: #D0D0D0;
    --text: #333333;
    --text-mid: #555555;
    --text-light: #777777;
    --link: #0055AA;
    --font: Verdana, Arial, Helvetica, sans-serif;
    --topbar-h: 30px;
    --header-h: 48px;
}

/* ── Reset ──────────────────────────────────────────────── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: auto; }
body {
    font-family: var(--font);
    font-size: 12px;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}
a { color: var(--link); text-decoration: underline; }
a:hover { color: #003366; }
img { max-width: 100%; display: block; }
button { font-family: var(--font); cursor: pointer; }

.container {
    max-width: 960px;
    margin: 0 auto;
    padding: 0 16px;
    width: 100%;
}

/* ── Top Bar ────────────────────────────────────────────── */
.topbar {
    background: var(--blue-dark);
    color: #BBCCDD;
    font-size: 11px;
    height: var(--topbar-h);
    display: flex;
    align-items: center;
    border-bottom: 1px solid #002244;
}
.topbar-inner { display: flex; justify-content: space-between; align-items: center; }
.topbar-left { display: flex; align-items: center; gap: 8px; }
.topbar-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    color: #BBCCDD;
    text-decoration: none;
    font-size: 11px;
}
.topbar-link:hover { color: #FFFFFF; text-decoration: underline; }
.topbar-link svg { opacity: .6; width: 12px; height: 12px; }
.topbar-sep { opacity: .4; font-size: 9px; }
.topbar-right { display: flex; align-items: center; }
.topbar-hours { opacity: .7; font-size: 11px; }

/* ── Header ─────────────────────────────────────────────── */
.header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: linear-gradient(180deg, #4A7EB5 0%, #2A5C8F 50%, #1A4470 100%);
    height: var(--header-h);
    display: flex;
    align-items: center;
    border-bottom: 2px solid #0D3058;
}
.header.scrolled { box-shadow: 0 2px 4px rgba(0,0,0,0.3); }
.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.logo {
    font-size: 16px;
    font-weight: bold;
    color: #FFFFFF;
    text-decoration: none;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.3);
    letter-spacing: 0.5px;
}
.logo:hover { color: #FFFFFF; }

.nav { display: flex; gap: 2px; }
.nav-link {
    display: inline-block;
    font-size: 11px;
    font-weight: bold;
    color: #C8D8E8;
    text-decoration: none;
    padding: 5px 14px;
    border-radius: 3px 3px 0 0;
    border: 1px solid transparent;
    border-bottom: none;
}
.nav-link:hover {
    color: #FFFFFF;
    background: rgba(255,255,255,0.12);
    border-color: rgba(255,255,255,0.15);
    text-decoration: none;
}
.nav-link::after { display: none; }

.header-cta {
    display: inline-block;
    padding: 5px 14px;
    font-size: 11px;
    font-weight: bold;
    color: #003366;
    background: linear-gradient(180deg, #FFFFFF 0%, #D0D8E0 100%);
    border: 1px solid #8899AA;
    border-radius: 3px;
    text-decoration: none;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.header-cta:hover {
    background: linear-gradient(180deg, #F0F0F0 0%, #C0C8D0 100%);
    color: #003366;
    text-decoration: none;
}

/* Burger */
.burger {
    display: none;
    flex-direction: column;
    gap: 4px;
    background: none;
    border: none;
    padding: 4px;
}
.burger span {
    display: block;
    width: 20px; height: 2px;
    background: #FFFFFF;
    border-radius: 1px;
    transition: all .2s;
}
.burger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ── Buttons ────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    padding: 7px 18px;
    font-family: var(--font);
    font-size: 12px;
    font-weight: bold;
    border: 1px solid;
    border-radius: 3px;
    cursor: pointer;
    text-decoration: none;
}
.btn-primary {
    background: linear-gradient(180deg, #4A7EB5 0%, #2A5C8F 100%);
    color: #FFFFFF;
    border-color: #1A4470;
}
.btn-primary:hover {
    background: linear-gradient(180deg, #5A8EC5 0%, #3A6C9F 100%);
    color: #FFFFFF;
    text-decoration: none;
}
.btn-white {
    background: linear-gradient(180deg, #FFFFFF 0%, #E0E0E0 100%);
    color: #003366;
    border-color: #999999;
}
.btn-white:hover {
    background: linear-gradient(180deg, #F0F0F0 0%, #D0D0D0 100%);
    color: #003366;
    text-decoration: none;
}
.btn-outline-light {
    background: transparent;
    color: #FFFFFF;
    border: 1px solid rgba(255,255,255,.5);
}
.btn-outline-light:hover {
    background: rgba(255,255,255,.1);
    color: #FFFFFF;
    border-color: #FFFFFF;
    text-decoration: none;
}
.btn-full { width: 100%; display: block; text-align: center; }

.btn-submit { position: relative; }
.btn-submit .btn-loader {
    display: none;
    width: 16px; height: 16px;
    border: 2px solid rgba(255,255,255,.3);
    border-top-color: #fff;
    border-radius: 50%;
    animation: spin .7s linear infinite;
}
.btn-submit.loading .btn-text { visibility: hidden; }
.btn-submit.loading .btn-loader {
    display: block;
    position: absolute;
    left: 50%; top: 50%;
    margin: -8px 0 0 -8px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ══════════════════════════════════════════════════════════
   HERO — 2005 BANNER
   ══════════════════════════════════════════════════════════ */
.hero {
    position: relative;
    padding: 30px 0 40px;
    overflow: hidden;
}
.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}
.hero-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 40%;
    filter: brightness(0.55) saturate(0.6);
}
.hero-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 25, 55, 0.72);
}
.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 24px;
    align-items: start;
}
.hero-text { max-width: 460px; }

.badge {
    display: inline-block;
    padding: 3px 10px;
    font-size: 10px;
    font-weight: bold;
    color: #CCCCCC;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 2px;
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.hero h1 {
    font-size: 20px;
    font-weight: bold;
    line-height: 1.35;
    color: #FFFFFF;
    margin-bottom: 10px;
    text-shadow: 1px 1px 3px rgba(0,0,0,0.5);
}
.hero-desc {
    font-size: 12px;
    color: #CCCCCC;
    margin-bottom: 16px;
    line-height: 1.7;
}
.hero-actions {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}
.hero-actions .btn { font-size: 11px; padding: 6px 14px; }
.hero-actions .btn svg { width: 14px; height: 14px; }

/* Hero Form — bordered box with blue header */
.hero-form-wrap { position: relative; }
.hero-form-card {
    background: #FFFFFF;
    border: 2px solid #336699;
    border-radius: 4px;
    padding: 0;
    overflow: hidden;
}
.hero-form-card h3 {
    font-size: 13px;
    font-weight: bold;
    color: #FFFFFF;
    background: linear-gradient(180deg, #4A7EB5 0%, #2A5C8F 100%);
    padding: 7px 14px;
    margin: 0;
    border-bottom: 1px solid #1A4470;
}
.form-sub {
    font-size: 11px;
    color: var(--text-light);
    margin: 8px 14px 12px;
}
.hero-form-card form {
    padding: 0 14px 14px;
}

/* ── Form Fields ────────────────────────────────────────── */
.field { margin-bottom: 8px; }
.field label {
    display: block;
    font-size: 11px;
    font-weight: bold;
    color: var(--text);
    margin-bottom: 3px;
}
.field input,
.field select,
.field textarea {
    width: 100%;
    padding: 5px 7px;
    font-family: var(--font);
    font-size: 12px;
    color: var(--text);
    background: #FFFFFF;
    border: 1px solid var(--border);
    border-radius: 2px;
    outline: none;
}
.field input::placeholder,
.field textarea::placeholder { color: #AAAAAA; }
.field input:focus,
.field select:focus,
.field textarea:focus {
    border-color: #336699;
    box-shadow: 0 0 3px rgba(51,102,153,0.3);
}
.field select {
    cursor: pointer;
    appearance: auto;
}
.field textarea {
    resize: vertical;
    min-height: 56px;
}

.form-status {
    margin-top: 8px;
    padding: 6px 10px;
    border-radius: 2px;
    font-size: 11px;
    display: none;
}
.form-status.success {
    display: block;
    background: #E8F5E8;
    border: 1px solid #88BB88;
    color: #336633;
}
.form-status.error {
    display: block;
    background: #F5E8E8;
    border: 1px solid #BB8888;
    color: #993333;
}

/* ══════════════════════════════════════════════════════════
   STATS STRIP — BLUE GRADIENT BAR
   ══════════════════════════════════════════════════════════ */
.stats {
    background: linear-gradient(180deg, #D6E4F0 0%, #B8CCE0 100%);
    border-top: 1px solid #8899AA;
    border-bottom: 1px solid #8899AA;
    padding: 14px 0;
}
.stats-grid {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 28px;
}
.stat { text-align: center; }
.stat-num {
    display: block;
    font-size: 18px;
    font-weight: bold;
    color: var(--blue-dark);
    line-height: 1.2;
}
.stat-label {
    display: block;
    font-size: 10px;
    color: #445566;
    margin-top: 2px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.stat-sep {
    width: 1px;
    height: 28px;
    background: #8899AA;
}

/* ══════════════════════════════════════════════════════════
   SERVICES — BORDERED CARDS
   ══════════════════════════════════════════════════════════ */
.services {
    padding: 28px 0 36px;
    background: var(--bg);
}
.section-heading {
    font-size: 15px;
    font-weight: bold;
    color: var(--blue-dark);
    text-align: center;
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.section-sub {
    text-align: center;
    color: var(--text-light);
    font-size: 11px;
    margin-bottom: 20px;
}

.services-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
}

/* Service Card */
.svc-card {
    flex: 0 1 calc(25% - 8px);
    min-width: 195px;
    background: #FFFFFF;
    border: 1px solid var(--border);
    border-radius: 3px;
    padding: 14px 12px 12px;
    text-align: center;
}
.svc-card:hover {
    border-color: #336699;
    background: #F8FAFF;
}

/* Card Icon */
.svc-icon {
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(180deg, #4A7EB5 0%, #2A5C8F 100%);
    border: 1px solid #1A4470;
    border-radius: 50%;
    color: #FFFFFF;
    margin: 0 auto 8px;
}
.svc-icon svg { width: 18px; height: 18px; }

/* Card Text */
.svc-card h3 {
    font-size: 11px;
    font-weight: bold;
    color: var(--blue-dark);
    margin-bottom: 5px;
}
.svc-card p {
    color: var(--text-light);
    font-size: 10px;
    line-height: 1.55;
    margin-bottom: 6px;
}
.svc-link {
    display: inline-block;
    font-size: 10px;
    font-weight: bold;
    color: var(--link);
    text-decoration: underline;
}
.svc-link:hover { color: #003366; }

/* ══════════════════════════════════════════════════════════
   CTA BANNER
   ══════════════════════════════════════════════════════════ */
.cta-banner {
    position: relative;
    padding: 30px 0;
    overflow: hidden;
}
.cta-bg {
    position: absolute;
    inset: 0;
}
.cta-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 60%;
    filter: brightness(0.45) saturate(0.5);
}
.cta-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 30, 60, 0.78);
}
.cta-content {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 500px;
    margin: 0 auto;
}
.cta-content h2 {
    font-size: 15px;
    font-weight: bold;
    color: #FFFFFF;
    margin-bottom: 6px;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.5);
}
.cta-content p {
    font-size: 12px;
    color: #CCCCCC;
    margin-bottom: 14px;
    line-height: 1.6;
}

/* ── Why Choose Us ──────────────────────────────────────── */
.why {
    padding: 28px 0 36px;
    background: #FFFFFF;
    border-top: 1px solid #D0D0D0;
    border-bottom: 1px solid #D0D0D0;
}
.why-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    max-width: 680px;
    margin: 0 auto;
}
.why-card {
    display: flex;
    gap: 10px;
    padding: 10px;
    border: 1px solid var(--border-light);
    border-radius: 3px;
    background: #FAFAFA;
}
.why-card:hover {
    border-color: #336699;
    background: #F0F4F8;
}
.why-icon {
    width: 34px;
    height: 34px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--blue-pale);
    border: 1px solid #A0B8D0;
    border-radius: 50%;
    color: var(--blue-dark);
    flex-shrink: 0;
}
.why-icon svg { width: 16px; height: 16px; }
.why-card h4 {
    font-size: 11px;
    font-weight: bold;
    color: var(--blue-dark);
    margin-bottom: 3px;
}
.why-card p {
    font-size: 10px;
    color: var(--text-light);
    line-height: 1.55;
}

/* ── Contact ────────────────────────────────────────────── */
.contact {
    padding: 28px 0 36px;
    background: var(--bg);
}
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
    max-width: 760px;
    margin: 0 auto;
}
.contact-info h3 {
    font-size: 13px;
    font-weight: bold;
    color: var(--blue-dark);
    margin-bottom: 6px;
}
.contact-desc {
    color: var(--text-light);
    font-size: 11px;
    margin-bottom: 14px;
    line-height: 1.6;
}
.info-row {
    display: flex;
    gap: 8px;
    margin-bottom: 10px;
    align-items: flex-start;
}
.info-icon {
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--blue-pale);
    border: 1px solid #A0B8D0;
    border-radius: 50%;
    color: var(--blue-dark);
    flex-shrink: 0;
}
.info-icon svg { width: 14px; height: 14px; }
.info-row strong {
    display: block;
    font-size: 11px;
    font-weight: bold;
    color: var(--text);
    margin-bottom: 1px;
}
.info-row a,
.info-row span {
    font-size: 11px;
    color: var(--text-light);
    line-height: 1.5;
}
.info-row a { color: var(--link); }

.contact-form {
    background: #FFFFFF;
    border: 1px solid var(--border);
    border-top: 3px solid #336699;
    border-radius: 3px;
    padding: 14px;
}
.contact-form .field label { font-size: 11px; }

/* ── Footer ─────────────────────────────────────────────── */
.footer {
    background: #2A2A2A;
    color: #AAAAAA;
    padding: 14px 0;
    border-top: 3px solid #336699;
}
.footer-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 10px;
    border-bottom: 1px solid #444444;
    margin-bottom: 10px;
}
.footer-brand {
    font-size: 12px;
    font-weight: bold;
    color: #DDDDDD;
}
.footer-nav { display: flex; gap: 14px; }
.footer-nav a {
    font-size: 11px;
    color: #AAAAAA;
    text-decoration: underline;
}
.footer-nav a:hover { color: #FFFFFF; }
.footer-bottom { text-align: center; }
.footer-legal { font-size: 10px; color: #888888; }

/* ── Sticky CTA ─────────────────────────────────────────── */
.sticky-cta {
    position: fixed;
    bottom: 14px;
    right: 14px;
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 6px 12px;
    background: linear-gradient(180deg, #4A7EB5 0%, #2A5C8F 100%);
    color: #FFFFFF;
    font-weight: bold;
    font-size: 11px;
    border: 1px solid #1A4470;
    border-radius: 3px;
    box-shadow: 0 2px 6px rgba(0,0,0,0.3);
    z-index: 90;
    opacity: 0;
    pointer-events: none;
    text-decoration: none;
    transition: opacity .3s;
}
.sticky-cta.visible { opacity: 1; pointer-events: auto; }
.sticky-cta:hover {
    background: linear-gradient(180deg, #5A8EC5 0%, #3A6C9F 100%);
    color: #FFFFFF;
    text-decoration: none;
}
.sticky-cta svg { flex-shrink: 0; width: 14px; height: 14px; }

/* ── Scroll Animations ────────────────────────────────── */
[data-animate] {
    opacity: 0;
    transform: translateY(14px);
    transition: opacity 0.5s ease, transform 0.5s ease;
}
[data-animate].visible {
    opacity: 1;
    transform: translateY(0);
}

/* Hero stagger */
.fade-up { opacity: 0; transform: translateY(12px); animation: fadeUp 0.5s ease forwards; }
.d2 { animation-delay: 0.15s; }
.d3 { animation-delay: 0.3s; }
.d4 { animation-delay: 0.45s; }
@keyframes fadeUp { to { opacity: 1; transform: translateY(0); } }

/* Card hover lift */
.svc-card {
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.svc-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 4px 12px rgba(0,0,0,0.12);
}

.why-card {
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.why-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 10px rgba(0,0,0,0.1);
}

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════════ */

@media (max-width: 900px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    .hero-text { max-width: 100%; text-align: center; }
    .hero h1 br { display: none; }
    .hero-actions { justify-content: center; }
    .hero-form-wrap { max-width: 380px; margin: 0 auto; }

    .svc-card { flex: 0 1 100%; max-width: 340px; }

    .why-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
    }
    .contact-grid { grid-template-columns: 1fr; }
    .contact-info { order: -1; }
}

@media (max-width: 768px) {
    .topbar-right { display: none; }
    .topbar-sep { display: none; }
    .topbar-left { gap: 4px; flex-wrap: wrap; }
    .topbar { height: auto; padding: 5px 0; }

    .nav {
        display: none;
        position: absolute;
        top: var(--header-h);
        left: 0; right: 0;
        flex-direction: column;
        background: #2A5C8F;
        border-bottom: 2px solid #1A4470;
        padding: 6px 14px;
        gap: 2px;
    }
    .nav.open { display: flex; }
    .nav-link { border-radius: 2px; padding: 5px 10px; }
    .header-cta { display: none; }
    .burger { display: flex; }

    .hero { padding: 20px 0 24px; }
    .hero h1 { font-size: 16px; }

    .stats-grid { flex-direction: column; gap: 10px; }
    .stat-sep { width: 40px; height: 1px; }

    .section-heading { font-size: 13px; }

    .footer-top { flex-direction: column; gap: 6px; text-align: center; }
    .footer-nav { gap: 10px; }

    .sticky-cta span { display: none; }
    .sticky-cta { padding: 6px; }
}

@media (max-width: 480px) {
    .container { padding: 0 10px; }
    .hero-form-card { border-width: 1px; }
    .contact-form { padding: 10px; }
}