/* ============================================================
   Zoi Insurance — Main Stylesheet
   zoniinsurance.com
   ============================================================ */

:root {
  --blue-dark:  #0a2240;
  --blue-mid:   #1a4a8a;
  --blue-light: #2d6cca;
  --gold:       #c8960c;
  --gold-light: #f0b429;
  --white:      #ffffff;
  --gray-light: #f4f6fb;
  --gray-mid:   #e2e8f0;
  --gray-text:  #4a5568;
  --black:      #111827;
  --font-main:  'Segoe UI', Arial, sans-serif;
  --radius:     6px;
  --shadow:     0 2px 16px rgba(10,34,64,0.10);
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-main);
  color: var(--black);
  background: var(--white);
  line-height: 1.65;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--blue-light); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── UTILITY ── */
.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.text-center { text-align: center; }
.mt-1  { margin-top: .5rem; }
.mt-2  { margin-top: 1rem; }
.mt-3  { margin-top: 1.5rem; }
.mt-4  { margin-top: 2rem; }
.mb-4  { margin-bottom: 2rem; }
.section { padding: 64px 0; }
.section-alt { background: var(--gray-light); }
.section-dark { background: var(--blue-dark); color: var(--white); }

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--blue-dark);
  margin-bottom: .5rem;
}
.section-dark .section-title { color: var(--white); }
.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-text);
  margin-bottom: 2.5rem;
}
.section-dark .section-subtitle { color: #b8c9e0; }
.divider {
  width: 56px; height: 4px;
  background: var(--gold);
  border-radius: 2px;
  margin: .6rem auto 2rem;
}

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .8rem 2rem;
  border-radius: var(--radius);
  font-size: 1rem; font-weight: 700;
  cursor: pointer; border: none;
  transition: background .2s, transform .15s;
  text-decoration: none;
  white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary   { background: var(--gold); color: var(--blue-dark); }
.btn-primary:hover { background: var(--gold-light); }
.btn-outline   { background: transparent; border: 2px solid var(--white); color: var(--white); }
.btn-outline:hover { background: rgba(255,255,255,.1); }
.btn-call      { background: var(--gold); color: var(--blue-dark); font-size: 1.1rem; }
.btn-call:hover{ background: var(--gold-light); }
.btn-lg        { padding: 1rem 2.4rem; font-size: 1.15rem; }
.btn-block     { width: 100%; justify-content: center; }

/* ── TOP BAR ── */
.topbar {
  background: var(--blue-dark);
  color: #b8c9e0;
  font-size: .82rem;
  padding: 6px 0;
}
.topbar .container {
  display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap;
}
.topbar a { color: #b8c9e0; }
.topbar a:hover { color: var(--gold-light); }
.topbar .phones { display: flex; gap: 1.5rem; flex-wrap: wrap; }

/* ── HEADER ── */
.site-header {
  background: var(--white);
  box-shadow: var(--shadow);
  position: sticky; top: 0; z-index: 999;
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding-top: 14px; padding-bottom: 14px;
}
.logo { display: flex; align-items: center; gap: .75rem; text-decoration: none; }
.logo-mark {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--blue-dark);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 900; color: var(--gold);
  flex-shrink: 0;
}
.logo-text { line-height: 1.2; }
.logo-name  { font-size: 1.2rem; font-weight: 800; color: var(--blue-dark); display: block; }
.logo-tagline { font-size: .72rem; color: var(--gray-text); display: block; letter-spacing: .04em; text-transform: uppercase; }

/* ── NAV ── */
.main-nav { display: flex; align-items: center; gap: .25rem; }
.main-nav a {
  font-size: .9rem; font-weight: 600; color: var(--blue-dark);
  padding: .45rem .75rem; border-radius: var(--radius);
  transition: background .15s, color .15s;
}
.main-nav a:hover, .main-nav a.active {
  background: var(--gray-light); color: var(--blue-light); text-decoration: none;
}
.nav-call {
  background: var(--gold) !important; color: var(--blue-dark) !important;
  border-radius: var(--radius);
}
.nav-call:hover { background: var(--gold-light) !important; }

.hamburger {
  display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none;
  border: none; padding: 6px; border-radius: 4px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--blue-dark); border-radius: 2px; transition: .2s; }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 80px 0 70px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Ccircle cx='30' cy='30' r='1.5' fill='rgba(255,255,255,0.04)'/%3E%3C/svg%3E");
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center;
}
.hero-badge {
  display: inline-block;
  background: rgba(200,150,12,.18); color: var(--gold-light);
  border: 1px solid rgba(200,150,12,.35);
  padding: .3rem .9rem; border-radius: 999px; font-size: .82rem; font-weight: 700;
  margin-bottom: 1rem; text-transform: uppercase; letter-spacing: .05em;
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 800; line-height: 1.15; margin-bottom: 1rem;
}
.hero h1 span { color: var(--gold-light); }
.hero-desc { font-size: 1.05rem; color: #b8c9e0; margin-bottom: 2rem; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-trust {
  display: flex; gap: 1.5rem; flex-wrap: wrap; margin-top: 2rem;
  font-size: .82rem; color: #8aacce;
}
.hero-trust span { display: flex; align-items: center; gap: .4rem; }

.hero-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.13);
  border-radius: 12px; padding: 2rem;
  backdrop-filter: blur(6px);
}
.hero-card-title { font-size: 1.1rem; font-weight: 700; margin-bottom: 1.2rem; color: var(--gold-light); }
.location-item {
  display: flex; flex-direction: column; gap: .3rem;
  padding: 1rem 0; border-bottom: 1px solid rgba(255,255,255,.1);
}
.location-item:last-child { border-bottom: none; padding-bottom: 0; }
.location-name { font-weight: 700; font-size: .95rem; }
.location-addr { font-size: .82rem; color: #8aacce; }
.location-phone a { color: var(--gold-light); font-weight: 700; font-size: 1.1rem; }

/* ── SERVICES GRID ── */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.5rem; }
.service-card {
  background: var(--white); border: 1px solid var(--gray-mid);
  border-radius: 10px; padding: 1.75rem 1.5rem;
  box-shadow: var(--shadow); transition: transform .2s, box-shadow .2s;
  text-align: center;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(10,34,64,.14); }
.service-icon {
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--blue-dark); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin: 0 auto 1rem;
}
.service-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--blue-dark); margin-bottom: .5rem; }
.service-card p  { font-size: .88rem; color: var(--gray-text); margin-bottom: 1rem; }
.service-card a  { font-size: .88rem; font-weight: 700; color: var(--blue-light); }

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1.5rem; }
.why-item { text-align: center; padding: 1rem; }
.why-num { font-size: 2.5rem; font-weight: 900; color: var(--gold); line-height: 1; margin-bottom: .4rem; }
.why-item h3 { font-size: 1rem; font-weight: 700; color: var(--blue-dark); margin-bottom: .35rem; }
.why-item p  { font-size: .87rem; color: var(--gray-text); }

/* ── LOCATIONS ── */
.locations-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.location-card {
  background: var(--white); border: 1px solid var(--gray-mid);
  border-radius: 10px; overflow: hidden; box-shadow: var(--shadow);
}
.location-card-header { background: var(--blue-dark); color: var(--white); padding: 1.2rem 1.5rem; }
.location-card-header h3 { font-size: 1.1rem; margin-bottom: .25rem; }
.location-card-header p  { font-size: .82rem; color: #8aacce; }
.location-card-body { padding: 1.5rem; }
.location-card-body p { font-size: .9rem; color: var(--gray-text); margin-bottom: .6rem; }
.location-card-body strong { color: var(--blue-dark); }
.location-phone-big { font-size: 1.4rem; font-weight: 800; color: var(--blue-dark); display: block; margin: .75rem 0; }

/* ── TESTIMONIALS ── */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.testimonial-card {
  background: var(--white); border-radius: 10px; padding: 1.75rem;
  box-shadow: var(--shadow); border-left: 4px solid var(--gold);
}
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: .75rem; }
.testimonial-card blockquote { font-size: .92rem; color: var(--gray-text); margin-bottom: 1rem; font-style: italic; }
.testimonial-author { font-weight: 700; font-size: .88rem; color: var(--blue-dark); }
.testimonial-location { font-size: .78rem; color: var(--gray-text); }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: var(--white);
  padding: 60px 0; text-align: center;
}
.cta-band h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; margin-bottom: .75rem; }
.cta-band p  { color: #b8c9e0; margin-bottom: 2rem; font-size: 1.05rem; }
.cta-phones  { display: flex; justify-content: center; gap: 1.5rem; flex-wrap: wrap; margin-bottom: 1rem; }
.cta-phones a {
  display: inline-flex; align-items: center; gap: .5rem;
  background: var(--gold); color: var(--blue-dark);
  font-size: 1.25rem; font-weight: 800;
  padding: .9rem 2rem; border-radius: var(--radius);
  transition: background .2s; text-decoration: none;
}
.cta-phones a:hover { background: var(--gold-light); text-decoration: none; }
.cta-note { font-size: .82rem; color: #8aacce; }

/* ── FAQ ── */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--gray-mid); }
.faq-question {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 1.2rem 0; font-size: 1rem; font-weight: 700; color: var(--blue-dark);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq-icon { font-size: 1.2rem; color: var(--gold); flex-shrink: 0; transition: transform .25s; }
.faq-answer { display: none; padding-bottom: 1.2rem; font-size: .92rem; color: var(--gray-text); line-height: 1.7; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { transform: rotate(45deg); }

/* ── CITATIONS ── */
.citations-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 1rem; }
.citation-link {
  display: flex; align-items: center; justify-content: center;
  padding: .8rem 1rem; border-radius: var(--radius);
  background: var(--white); border: 1px solid var(--gray-mid);
  font-size: .88rem; font-weight: 700; color: var(--blue-dark);
  text-decoration: none; transition: box-shadow .2s, border-color .2s;
  text-align: center;
}
.citation-link:hover { border-color: var(--blue-light); box-shadow: 0 2px 10px rgba(45,108,202,.15); text-decoration: none; }

/* ── FOOTER ── */
.site-footer { background: var(--blue-dark); color: #b8c9e0; padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 2.5rem; margin-bottom: 2.5rem; }
.footer-brand .logo-name  { color: var(--white); }
.footer-brand .logo-tagline { color: #8aacce; }
.footer-brand p { font-size: .87rem; margin-top: 1rem; line-height: 1.7; }
.footer-col h4 { font-size: .9rem; font-weight: 700; color: var(--white); margin-bottom: .9rem; letter-spacing: .03em; text-transform: uppercase; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .5rem; }
.footer-col ul li a { font-size: .87rem; color: #8aacce; }
.footer-col ul li a:hover { color: var(--gold-light); text-decoration: none; }
.footer-nap { font-size: .87rem; line-height: 1.8; }
.footer-nap strong { color: var(--white); }
.footer-nap a { color: var(--gold-light); }
.footer-bar {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 16px 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: .5rem;
  font-size: .78rem; color: #5a7a9a;
}
.footer-bar a { color: #5a7a9a; }
.footer-bar a:hover { color: #8aacce; }
.footer-disclaimer { max-width: 800px; font-size: .75rem; color: #4a6a8a; margin-top: .5rem; }

/* ── INNER PAGE HERO ── */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: var(--white); padding: 56px 0;
}
.page-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 800; margin-bottom: .6rem; }
.page-hero p  { color: #b8c9e0; font-size: 1.05rem; max-width: 640px; }
.breadcrumb { display: flex; gap: .5rem; align-items: center; font-size: .82rem; color: #8aacce; margin-bottom: 1rem; flex-wrap: wrap; }
.breadcrumb a { color: #8aacce; }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb-sep { opacity: .5; }

/* ── CONTENT ── */
.content-prose { max-width: 800px; }
.content-prose h2 { font-size: 1.4rem; font-weight: 700; color: var(--blue-dark); margin: 2rem 0 .75rem; }
.content-prose h3 { font-size: 1.1rem; font-weight: 700; color: var(--blue-dark); margin: 1.5rem 0 .5rem; }
.content-prose p  { margin-bottom: 1rem; color: var(--gray-text); line-height: 1.75; }
.content-prose ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.content-prose ul li { margin-bottom: .4rem; color: var(--gray-text); font-size: .95rem; }
.content-prose a  { color: var(--blue-light); font-weight: 600; }

/* ── MAP EMBED ── */
.map-wrap { border-radius: 10px; overflow: hidden; box-shadow: var(--shadow); }
.map-wrap iframe { display: block; width: 100%; height: 380px; border: 0; }

/* ── SIDEBAR CALL BOX ── */
.call-box {
  background: var(--blue-dark); color: var(--white);
  border-radius: 10px; padding: 2rem; text-align: center;
  position: sticky; top: 90px;
}
.call-box h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: .5rem; }
.call-box p  { font-size: .85rem; color: #8aacce; margin-bottom: 1.2rem; }
.call-box .call-num { font-size: 1.4rem; font-weight: 900; color: var(--gold-light); display: block; margin-bottom: 1rem; }
.call-box .btn { width: 100%; justify-content: center; }
.call-box .hours { font-size: .78rem; color: #5a7a9a; margin-top: 1rem; }

.content-layout { display: grid; grid-template-columns: 1fr 300px; gap: 2.5rem; align-items: start; }

/* ── FEATURES LIST ── */
.features-list { list-style: none; padding: 0; }
.features-list li { display: flex; gap: .75rem; align-items: flex-start; margin-bottom: .9rem; font-size: .93rem; color: var(--gray-text); }
.features-list li::before { content: '✓'; color: var(--gold); font-weight: 900; font-size: 1rem; margin-top: .05rem; flex-shrink: 0; }

/* ── ICON LIST ── */
.icon-list { list-style: none; padding: 0; }
.icon-list li { padding: .5rem 0; border-bottom: 1px solid var(--gray-mid); font-size: .9rem; color: var(--gray-text); }
.icon-list li:last-child { border-bottom: none; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .hero-grid, .locations-grid, .footer-grid { grid-template-columns: 1fr; }
  .content-layout { grid-template-columns: 1fr; }
  .call-box { position: static; }
}

@media (max-width: 768px) {
  .main-nav { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); box-shadow: 0 8px 24px rgba(0,0,0,.12); padding: 1rem; gap: .25rem; }
  .main-nav.open { display: flex; }
  .main-nav a { padding: .6rem 1rem; }
  .hamburger { display: flex; }
  .site-header .container { position: relative; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero { padding: 50px 0; }
  .section { padding: 44px 0; }
}

@media (max-width: 480px) {
  .topbar .container { flex-direction: column; align-items: flex-start; gap: .3rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-phones { flex-direction: column; align-items: center; }
}