/* ===== SJL Insurance Agency - sjlagency.com ===== */
/* Color Theme: Slate Charcoal + Warm Gold + Warm Amber */

:root {
  --primary: #1B1B2F;
  --primary-light: #2D2D4A;
  --accent-gold: #C9A84C;
  --accent-gold-light: #E8D48B;
  --brand-warm: #D0802E;
  --brand-warm-dark: #B0691F;
  --white: #FFFFFF;
  --off-white: #F8F7F4;
  --light-gray: #F0EFEB;
  --mid-gray: #8C8C8C;
  --dark-text: #2C2C2C;
  --text-body: #444444;
  --shadow: 0 4px 20px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 30px rgba(0,0,0,0.12);
  --radius: 8px;
  --radius-lg: 16px;
  --transition: all 0.3s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-body);
  line-height: 1.7;
  background: var(--white);
}

/* ===== Typography ===== */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.3;
  color: var(--dark-text);
}

h1 { font-size: 2.8rem; }
h2 { font-size: 2.2rem; margin-bottom: 1rem; }
h3 { font-size: 1.4rem; margin-bottom: 0.75rem; }

p { margin-bottom: 1rem; font-size: 1.05rem; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 80px 0;
}

.section-dark {
  background: var(--primary);
  color: var(--white);
}

.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-light {
  background: var(--off-white);
}

.gold-text { color: var(--accent-gold); }
.warm-text { color: var(--brand-warm); }

.text-center { text-align: center; }

/* ===== Buttons ===== */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
  transition: var(--transition);
  border: none;
  font-family: inherit;
}

.btn-primary {
  background: var(--accent-gold);
  color: var(--primary);
}

.btn-primary:hover {
  background: var(--accent-gold-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
}

.btn-secondary {
  background: var(--brand-warm);
  color: var(--white);
}

.btn-secondary:hover {
  background: var(--brand-warm-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}

.btn-outline:hover {
  background: var(--white);
  color: var(--primary);
  transform: translateY(-2px);
}

.btn-gold-outline {
  background: transparent;
  color: var(--accent-gold);
  border: 2px solid var(--accent-gold);
}

.btn-gold-outline:hover {
  background: var(--accent-gold);
  color: var(--primary);
  transform: translateY(-2px);
}

/* ===== Navigation ===== */
.navbar {
  position: fixed;
  top: 0;
  width: 100%;
  background: var(--white);
  box-shadow: 0 2px 10px rgba(0,0,0,0.05);
  z-index: 1000;
  padding: 0 24px;
}

.navbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.navbar .logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.navbar .logo-text {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.2;
}

.navbar .logo-text span {
  color: var(--brand-warm);
}

.navbar .logo-sub {
  font-size: 0.7rem;
  color: var(--mid-gray);
  letter-spacing: 1px;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  color: var(--dark-text);
  font-size: 0.95rem;
  font-weight: 500;
  transition: var(--transition);
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--brand-warm);
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--brand-warm);
  transition: var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-phone {
  color: var(--primary) !important;
  font-weight: 700 !important;
  font-size: 1rem !important;
}

.nav-phone::after { display: none !important; }

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}

.mobile-toggle span {
  display: block;
  width: 28px;
  height: 3px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===== Hero Section ===== */
.hero {
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
}

.hero-slideshow {
  background: var(--primary);
}

/* Rotating background slides */
.hero-slides {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity 1.2s ease-in-out;
}

.hero-slide.active {
  opacity: 1;
}

/* Overlay layers */
.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: var(--primary);
  opacity: 0.35;
}

.hero-overlay-gradient {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(to right, rgba(27,27,47,0.5) 0%, rgba(27,27,47,0.2) 50%, transparent 100%);
}

.hero-container {
  position: relative;
  z-index: 2;
  width: 100%;
}

.hero-content {
  max-width: 650px;
}

.hero h1 {
  font-size: 3.2rem;
  color: var(--white);
  margin-bottom: 0.5rem;
  text-shadow: 0 4px 12px rgba(0,0,0,0.3);
}

.hero h1 .highlight {
  color: var(--accent-gold);
  border-bottom: 3px solid var(--accent-gold);
  display: inline-block;
}

.hero-headline {
  font-size: 3.2rem;
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  color: var(--white);
  margin-bottom: 0.5rem;
  text-shadow: 0 4px 12px rgba(0,0,0,0.3);
  line-height: 1.15;
}

.hero-headline .highlight {
  color: var(--accent-gold);
  border-bottom: 3px solid var(--accent-gold);
  display: inline-block;
  line-height: 1.1;
}

.hero-subline {
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--accent-gold);
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 8px rgba(0,0,0,0.3);
}

.hero h2 {
  font-size: 1.3rem;
  color: var(--accent-gold-light);
  font-weight: 400;
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 8px rgba(0,0,0,0.3);
}

.hero p {
  color: rgba(255,255,255,0.9);
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 540px;
  text-shadow: 0 2px 6px rgba(0,0,0,0.3);
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Hero dot indicators */
.hero-dots {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 12px;
  z-index: 3;
}

.hero-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.6);
  background: transparent;
  cursor: pointer;
  padding: 0;
  transition: all 0.3s ease;
}

.hero-dot:hover {
  background: rgba(255,255,255,0.4);
}

.hero-dot.active {
  background: var(--accent-gold);
  border-color: var(--accent-gold);
  transform: scale(1.2);
}

/* ===== Services / Features ===== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.service-card {
  background: var(--white);
  padding: 32px 24px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  text-align: center;
  transition: var(--transition);
  border-top: 4px solid var(--accent-gold);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

.service-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
  display: block;
}

.service-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}

.service-card p {
  font-size: 0.95rem;
  color: var(--mid-gray);
  margin-bottom: 0;
}

.service-card .learn-more {
  display: inline-block;
  margin-top: 16px;
  color: var(--brand-warm);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9rem;
}

.service-card .learn-more:hover {
  text-decoration: underline;
}

/* ===== How It Works ===== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 40px;
}

.step {
  text-align: center;
  position: relative;
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--accent-gold);
  color: var(--primary);
  font-size: 1.5rem;
  font-weight: 800;
  border-radius: 50%;
  margin-bottom: 16px;
}

.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.95rem; color: var(--mid-gray); margin-bottom: 0; }

.step-btn {
  margin-top: 16px !important;
  display: inline-block !important;
  font-size: 0.9rem !important;
  padding: 10px 24px !important;
}

.step-link {
  color: var(--accent-gold);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color 0.2s ease;
}
.step-link:hover {
  color: var(--accent-gold-light);
}

/* ===== Testimonials ===== */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.testimonial-card {
  background: var(--white);
  padding: 28px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.testimonial-card .stars {
  color: var(--accent-gold);
  font-size: 1.1rem;
  margin-bottom: 12px;
}

.testimonial-card blockquote {
  font-style: italic;
  color: var(--text-body);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 16px;
}

.testimonial-card .attribution {
  font-weight: 600;
  color: var(--dark-text);
  font-size: 0.9rem;
}

.testimonial-card .location {
  color: var(--mid-gray);
  font-size: 0.8rem;
}

/* ===== FAQ ===== */
.faq-list {
  max-width: 800px;
  margin: 40px auto 0;
}

.faq-item {
  background: var(--white);
  border: 1px solid #E5E5E5;
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-question {
  padding: 20px 24px;
  font-weight: 600;
  color: var(--dark-text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: var(--transition);
}

.faq-question:hover {
  background: var(--light-gray);
}

.faq-question .toggle-icon {
  font-size: 1.2rem;
  transition: var(--transition);
  color: var(--brand-warm);
}

.faq-item.active .faq-question .toggle-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active .faq-answer {
  padding: 0 24px 20px;
  max-height: 500px;
}

/* ===== Contact Section ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  margin-top: 40px;
}

.contact-info-item {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
  align-items: flex-start;
}

.contact-info-item .icon {
  font-size: 1.5rem;
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--off-white);
  border-radius: 50%;
}

.contact-info-item h4 {
  font-size: 1rem;
  margin-bottom: 2px;
}

.contact-info-item p {
  font-size: 0.95rem;
  color: var(--mid-gray);
  margin-bottom: 0;
}

.contact-info-item a {
  color: var(--brand-warm);
  text-decoration: none;
  font-weight: 500;
}

.contact-info-item a:hover {
  text-decoration: underline;
}

.contact-form {
  background: var(--white);
  padding: 36px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--dark-text);
  margin-bottom: 6px;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid #DDD;
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  transition: var(--transition);
  background: var(--off-white);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.2);
  background: var(--white);
}

.form-group textarea {
  min-height: 120px;
  resize: vertical;
}

/* ===== Footer ===== */
.footer {
  background: var(--primary);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand .logo-text {
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.footer-brand .logo-text span { color: var(--brand-warm); }

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.6);
}

.footer h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--accent-gold);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

/* Social Icons in Footer */
.footer-social {
  display: flex;
  gap: 16px;
  align-items: center;
  width: 100%;
  justify-content: center;
  margin-bottom: 16px;
}
.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.5);
  transition: all 0.3s ease;
  text-decoration: none;
}
.footer-social a:hover {
  background: var(--brand-warm);
  color: var(--white);
}
.footer-bottom {
  flex-direction: column;
}

.footer-bottom p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  margin-bottom: 0;
}

/* ===== Page Header (inner pages) ===== */
.page-header {
  padding: 120px 0 60px;
  background: linear-gradient(135deg, var(--primary) 0%, #2D2D4A 100%);
  text-align: center;
}

.page-header h1 {
  color: var(--white);
  font-size: 2.6rem;
  margin-bottom: 12px;
}

.page-header p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto;
}

/* ===== Page Content ===== */
.content-section {
  padding: 60px 0;
}

.content-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
  align-items: start;
}

.content-sidebar {
  background: var(--off-white);
  padding: 28px;
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--accent-gold);
}

.content-sidebar h3 {
  font-size: 1.1rem;
  margin-bottom: 16px;
}

.content-sidebar ul {
  list-style: none;
}

.content-sidebar li {
  margin-bottom: 12px;
}

.content-sidebar a {
  color: var(--brand-warm);
  text-decoration: none;
  font-size: 0.95rem;
}

.content-sidebar .btn,
.content-sidebar .btn-secondary,
.content-sidebar .btn-primary,
.content-sidebar .btn-outline {
  color: var(--white) !important;
}

.content-sidebar a:hover {
  text-decoration: underline;
}

/* About page photo */
.about-photo-wrap {
  float: right;
  margin: 4px 0 20px 28px;
  width: 260px;
  max-width: 45%;
}
.about-photo {
  width: 100%;
  height: auto;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.12), 0 0 0 3px var(--accent-gold);
  display: block;
}
@media (max-width: 640px) {
  .about-photo-wrap {
    float: none;
    margin: 0 auto 24px auto;
    max-width: 280px;
    width: 100%;
  }
}

/* ===== Insurance Types Grid ===== */
.insurance-types {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 40px 0;
}

.insurance-type-card {
  background: var(--off-white);
  padding: 28px;
  border-radius: var(--radius-lg);
  border-bottom: 4px solid var(--accent-gold);
  transition: var(--transition);
}

.insurance-type-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.insurance-type-card h3 {
  color: var(--primary);
}

.insurance-type-card p {
  font-size: 0.95rem;
  color: var(--mid-gray);
}

/* ===== CTA Banner ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--brand-warm) 0%, var(--brand-warm-dark) 100%);
  padding: 60px 0;
  text-align: center;
  color: var(--white);
}

.cta-banner h2 {
  color: var(--white);
  font-size: 2rem;
  margin-bottom: 12px;
}

.cta-banner p {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
  margin-bottom: 24px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* ===== Quote Comparison ===== */
.quote-form-container {
  max-width: 700px;
  margin: 40px auto;
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.quote-form-container .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* ===== Partners / Carriers ===== */
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin: 40px 0;
  align-items: center;
}

.carrier-item {
  text-align: center;
  padding: 24px 16px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--dark-text);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 90px;
}

.carrier-item img {
  max-width: 100%;
  height: auto;
  max-height: 55px;
  object-fit: contain;
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .insurance-types {
    grid-template-columns: 1fr;
  }

  .carrier-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }

  .mobile-toggle { display: flex; }

  .nav-links {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--white);
    flex-direction: column;
    padding: 40px 24px;
    gap: 20px;
    transform: translateX(100%);
    transition: var(--transition);
    align-items: flex-start;
    z-index: 999;
  }

  .nav-links.open { transform: translateX(0); }

  .nav-links a { font-size: 1.1rem; }

  .hero-content {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .hero h1 { font-size: 2.2rem; }
  .hero-container { padding: 0 24px; }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .content-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .quote-form-container .form-row {
    grid-template-columns: 1fr;
  }

  .carrier-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .section {
    padding: 50px 0;
  }

  .page-header h1 {
    font-size: 2rem;
  }
}

@media (max-width: 480px) {
  .hero-buttons {
    flex-direction: column;
  }

  .hero-buttons .btn {
    width: 100%;
    text-align: center;
  }

  .carrier-grid {
    grid-template-columns: 1fr 1fr;
  }
}