/* ============================================
   PuggersInsurance.com — Master Stylesheet
   "Protecting Your Keys Since 2004"
   Early 2010s Corporate Insurance Aesthetic
   ============================================ */

/* --- Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Cinzel:wght@400;600;700&family=Crimson+Text:ital,wght@0,400;0,600;0,700;1,400&family=Source+Sans+Pro:wght@300;400;600;700&display=swap');

/* --- CSS Variables --- */
:root {
  --navy-dark: #0d1b2a;
  --navy: #1b2a4a;
  --navy-mid: #253a5e;
  --navy-light: #34506e;
  --gold: #c9a84c;
  --gold-light: #e2c96d;
  --gold-dark: #a08030;
  --cream: #f5f0e1;
  --cream-dark: #e8e0cc;
  --parchment: #faf6eb;
  --text-dark: #2c2416;
  --text-body: #3d3428;
  --text-muted: #7a7060;
  --red-risk: #a83232;
  --orange-risk: #b86e2a;
  --yellow-risk: #b8a02a;
  --green-safe: #3a7a3a;
  --border-color: #c4b898;
  --shadow-soft: 0 2px 8px rgba(0,0,0,0.12);
  --shadow-card: 0 3px 12px rgba(0,0,0,0.15), 0 1px 3px rgba(0,0,0,0.1);
  --shadow-inset: inset 0 1px 3px rgba(0,0,0,0.08);
  --radius: 4px;
  --radius-lg: 6px;
}

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Source Sans Pro', 'Trebuchet MS', Verdana, sans-serif;
  font-size: 15px;
  line-height: 1.6;
  color: var(--text-body);
  background-color: var(--cream);
  /* subtle parchment texture via repeating gradient */
  background-image:
    repeating-linear-gradient(
      0deg,
      transparent,
      transparent 2px,
      rgba(139, 119, 80, 0.015) 2px,
      rgba(139, 119, 80, 0.015) 4px
    ),
    repeating-linear-gradient(
      90deg,
      transparent,
      transparent 2px,
      rgba(139, 119, 80, 0.01) 2px,
      rgba(139, 119, 80, 0.01) 4px
    );
  min-height: 100vh;
}

a {
  color: var(--navy-mid);
  text-decoration: underline;
}
a:hover {
  color: var(--gold-dark);
}

h1, h2, h3, h4 {
  font-family: 'Cinzel', 'Georgia', serif;
  color: var(--navy);
  line-height: 1.3;
}

h1 { font-size: 2em; margin-bottom: 0.5em; }
h2 { font-size: 1.6em; margin-bottom: 0.4em; }
h3 { font-size: 1.25em; margin-bottom: 0.3em; }
h4 { font-size: 1.1em; margin-bottom: 0.25em; }

p {
  margin-bottom: 1em;
}

img {
  max-width: 100%;
  height: auto;
}

/* --- Utility --- */
.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}

.clearfix::after {
  content: "";
  display: table;
  clear: both;
}

.text-center { text-align: center; }
.text-gold { color: var(--gold-dark); }
.text-navy { color: var(--navy); }

/* ============================================
   TOP BAR — the thin strip above the header
   ============================================ */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  font-size: 12px;
  padding: 5px 0;
  border-bottom: 1px solid rgba(201, 168, 76, 0.3);
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar a {
  color: var(--gold-light);
  text-decoration: none;
  margin-left: 15px;
}
.top-bar a:hover {
  text-decoration: underline;
}

/* ============================================
   HEADER
   ============================================ */
.site-header {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  border-bottom: 3px solid var(--gold);
  padding: 15px 0;
  box-shadow: 0 3px 10px rgba(0,0,0,0.25);
  position: relative;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  gap: 12px;
}

/* CSS Shield icon */
.logo-shield {
  width: 48px;
  height: 54px;
  position: relative;
  flex-shrink: 0;
}

.logo-shield::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 48px;
  height: 38px;
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 50%, var(--gold-dark) 100%);
  border-radius: 4px 4px 0 0;
  border: 2px solid var(--gold-dark);
}

.logo-shield::after {
  content: "";
  position: absolute;
  top: 36px;
  left: 4px;
  width: 0;
  height: 0;
  border-left: 20px solid var(--gold);
  border-right: 20px solid var(--gold);
  border-bottom: 18px solid transparent;
}

.logo-shield-inner {
  position: absolute;
  top: 8px;
  left: 50%;
  transform: translateX(-50%);
  font-family: 'Cinzel', serif;
  font-weight: 700;
  font-size: 20px;
  color: var(--navy-dark);
  z-index: 1;
  text-shadow: 0 1px 0 rgba(255,255,255,0.3);
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-name {
  font-family: 'Cinzel', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--gold-light);
  text-shadow: 0 1px 2px rgba(0,0,0,0.5);
  letter-spacing: 1px;
  line-height: 1.1;
}

.logo-tagline {
  font-family: 'Crimson Text', serif;
  font-size: 12px;
  color: rgba(255,255,255,0.6);
  font-style: italic;
  letter-spacing: 0.5px;
}

/* --- Mobile nav toggle --- */
.nav-toggle {
  display: none;
  background: none;
  border: 2px solid var(--gold);
  color: var(--gold);
  font-size: 22px;
  padding: 4px 10px;
  cursor: pointer;
  border-radius: var(--radius);
  line-height: 1;
}

/* ============================================
   NAVIGATION
   ============================================ */
.main-nav {
  background: linear-gradient(180deg, var(--navy-mid) 0%, var(--navy) 100%);
  border-bottom: 2px solid var(--gold-dark);
  box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}

.main-nav ul {
  list-style: none;
  display: flex;
  justify-content: center;
}

.main-nav li {
  position: relative;
}

.main-nav a {
  display: block;
  padding: 12px 22px;
  color: var(--cream);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  border-right: 1px solid rgba(255,255,255,0.08);
  transition: background 0.2s, color 0.2s;
}

.main-nav li:first-child a {
  border-left: 1px solid rgba(255,255,255,0.08);
}

.main-nav a:hover,
.main-nav a.active {
  background: linear-gradient(180deg, rgba(201,168,76,0.2) 0%, rgba(201,168,76,0.05) 100%);
  color: var(--gold-light);
}

.main-nav a.active {
  border-bottom: 2px solid var(--gold);
  margin-bottom: -2px;
}

/* ============================================
   PAGE BANNER
   ============================================ */
.page-banner {
  background: linear-gradient(180deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  color: white;
  padding: 30px 0;
  text-align: center;
  border-bottom: 2px solid var(--gold);
  box-shadow: var(--shadow-inset);
}

.page-banner h1 {
  color: var(--gold-light);
  font-size: 2.2em;
  text-shadow: 0 2px 4px rgba(0,0,0,0.4);
  margin-bottom: 0.2em;
}

.page-banner p {
  color: rgba(255,255,255,0.75);
  font-family: 'Crimson Text', serif;
  font-size: 1.15em;
  font-style: italic;
  margin-bottom: 0;
}

/* ============================================
   MAIN CONTENT
   ============================================ */
.main-content {
  padding: 35px 0 50px;
  min-height: 500px;
}

/* --- Content box (the bordered white sections) --- */
.content-box {
  background: var(--parchment);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 28px 30px;
  margin-bottom: 25px;
  box-shadow: var(--shadow-card);
  position: relative;
}

.content-box::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark));
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.content-box h2 {
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-color);
  margin-bottom: 18px;
}

/* --- Cards grid --- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin: 25px 0;
}

.card {
  background: white;
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 22px 20px;
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.2s, transform 0.15s;
}

.card:hover {
  box-shadow: var(--shadow-card);
  transform: translateY(-2px);
}

.card h3 {
  font-size: 1.1em;
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold);
}

.card p {
  font-size: 0.93em;
  color: var(--text-muted);
}

/* --- Two column layout --- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 25px;
  margin: 20px 0;
}

.three-col {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 25px;
  margin: 20px 0;
}

/* --- Image Placeholder --- */
.img-placeholder {
  background: linear-gradient(135deg, var(--cream-dark) 0%, #d4cbaf 100%);
  border: 2px dashed var(--border-color);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 13px;
  font-style: italic;
  text-align: center;
  padding: 20px;
  min-height: 180px;
}

.img-placeholder.hero-img {
  min-height: 280px;
}

img.hero-img {
  max-width: 480px;
  width: 100%;
  height: auto;
  border-radius: 8px;
  border: 3px solid var(--gold);
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.img-placeholder.small {
  min-height: 100px;
}

.card-img {
  width: 100%;
  height: auto;
  border-radius: 6px;
  border: 2px solid var(--gold);
  margin-bottom: 12px;
}

.img-placeholder.badge {
  min-height: 80px;
  width: 120px;
  border-radius: 50%;
}

/* ============================================
   HERO SECTION (Home page)
   ============================================ */
.hero {
  background: linear-gradient(180deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-mid) 100%);
  color: white;
  padding: 50px 0 55px;
  border-bottom: 3px solid var(--gold);
  position: relative;
  overflow: hidden;
}

/* subtle diagonal lines overlay */
.hero::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 20px,
    rgba(201,168,76,0.03) 20px,
    rgba(201,168,76,0.03) 21px
  );
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero h1 {
  color: var(--gold-light);
  font-size: 2.4em;
  text-shadow: 0 2px 6px rgba(0,0,0,0.5);
  margin-bottom: 0.3em;
}

.hero .subtitle {
  font-family: 'Crimson Text', serif;
  font-size: 1.25em;
  color: rgba(255,255,255,0.8);
  font-style: italic;
  margin-bottom: 1.2em;
}

.hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05em;
  line-height: 1.7;
}

/* CTA Button */
.btn {
  display: inline-block;
  padding: 12px 28px;
  font-family: 'Cinzel', serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 0.2s;
  border: none;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.btn-gold {
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 50%, var(--gold-dark) 100%);
  color: var(--navy-dark);
  border: 1px solid var(--gold-dark);
  box-shadow: 0 2px 6px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.3);
  text-shadow: 0 1px 0 rgba(255,255,255,0.2);
}

.btn-gold:hover {
  background: linear-gradient(180deg, var(--gold) 0%, var(--gold-dark) 100%);
  color: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(0,0,0,0.35), inset 0 1px 0 rgba(255,255,255,0.3);
}

.btn-navy {
  background: linear-gradient(180deg, var(--navy-mid) 0%, var(--navy) 100%);
  color: var(--gold-light);
  border: 1px solid var(--navy-light);
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}

.btn-navy:hover {
  background: linear-gradient(180deg, var(--navy-light) 0%, var(--navy-mid) 100%);
  color: var(--gold-light);
}

.btn-sm {
  padding: 8px 18px;
  font-size: 12px;
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--parchment);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  padding: 20px 0;
  text-align: center;
}

.trust-items {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 50px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.trust-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(180deg, var(--gold-light), var(--gold-dark));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: var(--navy-dark);
  box-shadow: 0 2px 4px rgba(0,0,0,0.15);
}

.trust-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial {
  background: white;
  border: 1px solid var(--border-color);
  border-left: 4px solid var(--gold);
  padding: 20px 22px;
  margin-bottom: 18px;
  border-radius: 0 var(--radius) var(--radius) 0;
  box-shadow: var(--shadow-soft);
  position: relative;
}

.testimonial::before {
  content: "\201C";
  font-family: 'Crimson Text', serif;
  font-size: 48px;
  color: var(--gold);
  position: absolute;
  top: 8px;
  left: 14px;
  line-height: 1;
  opacity: 0.5;
}

.testimonial-text {
  font-family: 'Crimson Text', serif;
  font-size: 1.05em;
  font-style: italic;
  color: var(--text-body);
  padding-left: 30px;
  margin-bottom: 10px;
}

.testimonial-author {
  font-size: 0.85em;
  color: var(--text-muted);
  padding-left: 30px;
  font-weight: 600;
}

.testimonial-author span {
  font-weight: 400;
  color: var(--gold-dark);
}

/* ============================================
   TABLES
   ============================================ */
.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 18px 0;
  font-size: 0.93em;
  box-shadow: var(--shadow-soft);
}

.data-table thead th {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--gold-light);
  padding: 12px 15px;
  text-align: left;
  font-family: 'Cinzel', serif;
  font-size: 0.95em;
  font-weight: 600;
  letter-spacing: 0.5px;
  border-bottom: 2px solid var(--gold);
}

.data-table tbody td {
  padding: 10px 15px;
  border-bottom: 1px solid var(--border-color);
  background: var(--parchment);
}

.data-table tbody tr:nth-child(even) td {
  background: white;
}

.data-table tbody tr:hover td {
  background: #f0ead6;
}

/* Risk level badges */
.risk-badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 3px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.risk-low {
  background: #d4edda;
  color: var(--green-safe);
  border: 1px solid #b8d9be;
}

.risk-moderate {
  background: #fff3cd;
  color: var(--orange-risk);
  border: 1px solid #e8d48a;
}

.risk-high {
  background: #fde2d2;
  color: var(--orange-risk);
  border: 1px solid #e8bfa0;
}

.risk-extreme {
  background: #f8d7da;
  color: var(--red-risk);
  border: 1px solid #e0b0b4;
}

.risk-catastrophic {
  background: #a83232;
  color: white;
  border: 1px solid #8a2020;
  animation: pulse-risk 2s ease-in-out infinite;
}

@keyframes pulse-risk {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.75; }
}

/* ============================================
   FORMS
   ============================================ */
.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.93em;
  margin-bottom: 5px;
  color: var(--navy);
}

.form-group label small {
  font-weight: 400;
  color: var(--text-muted);
}

.form-control {
  width: 100%;
  padding: 9px 12px;
  font-family: 'Source Sans Pro', sans-serif;
  font-size: 14px;
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  background: white;
  color: var(--text-body);
  box-shadow: var(--shadow-inset);
  transition: border-color 0.2s;
}

.form-control:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: var(--shadow-inset), 0 0 0 2px rgba(201, 168, 76, 0.2);
}

select.form-control {
  cursor: pointer;
}

textarea.form-control {
  resize: vertical;
  min-height: 100px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

/* ============================================
   CALCULATOR RESULTS
   ============================================ */
.calc-result {
  background: linear-gradient(180deg, var(--navy-dark), var(--navy));
  color: white;
  border-radius: var(--radius-lg);
  padding: 30px;
  text-align: center;
  border: 2px solid var(--gold);
  box-shadow: var(--shadow-card);
  margin-top: 20px;
  display: none;
}

.calc-result.visible {
  display: block;
}

.calc-result .price {
  font-family: 'Cinzel', serif;
  font-size: 3em;
  color: var(--gold-light);
  text-shadow: 0 2px 4px rgba(0,0,0,0.4);
  margin: 10px 0;
}

.calc-result .price-label {
  font-size: 0.9em;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.calc-breakdown {
  text-align: left;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(201,168,76,0.3);
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  font-size: 0.9em;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.calc-breakdown-item .label {
  color: rgba(255,255,255,0.7);
}

.calc-breakdown-item .value {
  color: var(--gold-light);
  font-weight: 600;
}

.calc-breakdown-item.total {
  border-top: 2px solid var(--gold);
  border-bottom: none;
  margin-top: 8px;
  padding-top: 10px;
  font-size: 1.05em;
}

.calc-breakdown-item.total .label,
.calc-breakdown-item.total .value {
  color: white;
  font-weight: 700;
}

/* ============================================
   STEPS / PROCESS
   ============================================ */
.process-steps {
  counter-reset: step-counter;
  margin: 25px 0;
}

.process-step {
  counter-increment: step-counter;
  display: flex;
  gap: 20px;
  margin-bottom: 25px;
  align-items: flex-start;
}

.process-step::before {
  content: counter(step-counter);
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  background: linear-gradient(180deg, var(--gold-light), var(--gold-dark));
  color: var(--navy-dark);
  font-family: 'Cinzel', serif;
  font-weight: 700;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  margin-top: 2px;
}

.process-step-content h3 {
  margin-bottom: 6px;
}

.process-step-content p {
  color: var(--text-muted);
  font-size: 0.95em;
}

/* ============================================
   LEGAL / FINE PRINT STYLES
   ============================================ */
.legal-doc {
  font-family: 'Crimson Text', serif;
  font-size: 1em;
  line-height: 1.75;
  color: var(--text-body);
}

.legal-doc h2 {
  font-size: 1.3em;
  margin-top: 28px;
  margin-bottom: 12px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--border-color);
}

.legal-doc h3 {
  font-size: 1.1em;
  margin-top: 18px;
  margin-bottom: 8px;
  color: var(--navy-mid);
}

.legal-doc ol, .legal-doc ul {
  margin-left: 25px;
  margin-bottom: 15px;
}

.legal-doc ol li, .legal-doc ul li {
  margin-bottom: 8px;
}

.legal-doc .section-num {
  font-weight: 700;
  color: var(--navy);
}

.legal-doc .definition {
  font-weight: 700;
  color: var(--navy-mid);
}

.legal-doc blockquote {
  margin: 15px 0 15px 20px;
  padding: 12px 18px;
  border-left: 3px solid var(--gold);
  background: rgba(201, 168, 76, 0.06);
  font-style: italic;
}

/* ============================================
   CLAIMS STATUS BOX
   ============================================ */
.status-box {
  background: white;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 20px 25px;
  margin-top: 15px;
  display: none;
}

.status-box.visible {
  display: block;
}

.status-box .status-line {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid #eee;
  font-size: 0.93em;
}

.status-box .status-line:last-child {
  border-bottom: none;
}

.status-tag {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 3px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
}

.status-pending {
  background: #fff3cd;
  color: #856404;
}

.status-processing {
  background: #cce5ff;
  color: #004085;
}

.status-approved {
  background: #d4edda;
  color: #155724;
}

.status-denied {
  background: #f8d7da;
  color: #721c24;
}

/* ============================================
   NOTIFICATION BAR
   ============================================ */
.notification-bar {
  background: linear-gradient(90deg, #8a6d1b, var(--gold-dark), #8a6d1b);
  color: var(--navy-dark);
  text-align: center;
  padding: 8px 20px;
  font-size: 13px;
  font-weight: 600;
}

.notification-bar a {
  color: var(--navy-dark);
  text-decoration: underline;
}

/* ============================================
   SIDEBAR-ish INFO BOXES
   ============================================ */
.info-box {
  background: linear-gradient(180deg, #e8e2d0, var(--cream-dark));
  border: 1px solid var(--border-color);
  border-left: 4px solid var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 18px;
  margin: 18px 0;
  font-size: 0.93em;
}

.info-box.warning {
  border-left-color: var(--orange-risk);
  background: linear-gradient(180deg, #f5ead6, #f0e2c4);
}

.info-box.success {
  border-left-color: var(--green-safe);
  background: linear-gradient(180deg, #e2eddf, #d6e5d0);
}

.info-box strong {
  color: var(--navy);
}

/* ============================================
   FOOTER
   ============================================ */
.site-footer {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: rgba(255,255,255,0.6);
  border-top: 3px solid var(--gold);
  padding: 40px 0 0;
  font-size: 13px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 30px;
  padding-bottom: 30px;
}

.footer-col h4 {
  color: var(--gold-light);
  font-size: 0.95em;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 15px;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}

.footer-col p {
  margin-bottom: 8px;
  line-height: 1.5;
  font-size: 12.5px;
}

.footer-col a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
}

.footer-col a:hover {
  color: var(--gold-light);
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li {
  margin-bottom: 6px;
}

.footer-col ul li::before {
  content: "\25B8 ";
  color: var(--gold-dark);
  font-size: 10px;
}

.footer-badges {
  display: flex;
  gap: 15px;
  margin-top: 12px;
  flex-wrap: wrap;
}

.footer-badge {
  width: 70px;
  height: 70px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 9px;
  text-align: center;
  color: rgba(255,255,255,0.4);
  padding: 5px;
}

.footer-badge-img {
  width: 70px;
  height: 70px;
  object-fit: cover;
  border-radius: var(--radius);
  border: 1px solid rgba(201,168,76,0.3);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 18px 0;
  text-align: center;
  font-size: 11.5px;
  color: rgba(255,255,255,0.4);
}

.footer-bottom a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
}

.footer-bottom a:hover {
  color: var(--gold-light);
}

/* ============================================
   DIVIDER
   ============================================ */
.divider {
  border: none;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--border-color), transparent);
  margin: 30px 0;
}

.divider-gold {
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

/* ============================================
   FEATURE LIST (checkmarks etc)
   ============================================ */
.feature-list {
  list-style: none;
  margin: 15px 0;
}

.feature-list li {
  padding: 6px 0 6px 28px;
  position: relative;
  font-size: 0.95em;
}

.feature-list li::before {
  content: "✦";
  position: absolute;
  left: 4px;
  color: var(--gold);
  font-size: 14px;
}

/* ============================================
   COVERAGE TIER CARDS
   ============================================ */
.tier-card {
  background: white;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform 0.15s;
}

.tier-card:hover {
  transform: translateY(-3px);
}

.tier-card.featured {
  border-color: var(--gold);
  box-shadow: 0 4px 20px rgba(201,168,76,0.3);
}

.tier-header {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: white;
  padding: 20px;
  text-align: center;
}

.tier-card.featured .tier-header {
  background: linear-gradient(180deg, var(--gold-dark) 0%, #8a6d1b 100%);
}

.tier-header h3 {
  font-family: 'Cinzel', serif;
  color: var(--gold-light);
  font-size: 1.2em;
  margin-bottom: 5px;
}

.tier-card.featured .tier-header h3 {
  color: white;
}

.tier-header .tier-price {
  font-size: 2em;
  font-weight: 700;
  color: white;
}

.tier-header .tier-price small {
  font-size: 0.4em;
  font-weight: 400;
  opacity: 0.7;
}

.tier-body {
  padding: 20px;
}

.tier-body ul {
  list-style: none;
  margin: 0;
}

.tier-body ul li {
  padding: 8px 0;
  border-bottom: 1px solid #f0ead6;
  font-size: 0.9em;
  padding-left: 22px;
  position: relative;
}

.tier-body ul li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--green-safe);
  font-weight: 700;
}

.tier-body ul li.excluded::before {
  content: "✗";
  color: var(--red-risk);
}

.tier-body ul li.excluded {
  color: var(--text-muted);
  text-decoration: line-through;
  opacity: 0.7;
}

.tier-footer {
  padding: 15px 20px 20px;
  text-align: center;
}

/* ============================================
   RESPONSIVE — "We added this later" feel
   ============================================ */
@media (max-width: 900px) {
  .cards-grid {
    grid-template-columns: 1fr 1fr;
  }
  .three-col {
    grid-template-columns: 1fr 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav-toggle {
    display: block;
  }

  .main-nav ul {
    display: none;
    flex-direction: column;
  }

  .main-nav ul.open {
    display: flex;
  }

  .main-nav a {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    padding: 12px 20px;
    text-align: center;
  }

  .main-nav li:first-child a {
    border-left: none;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero h1 {
    font-size: 1.8em;
  }

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

  .two-col, .three-col {
    grid-template-columns: 1fr;
  }

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

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

  .trust-items {
    gap: 25px;
  }

  .content-box {
    padding: 20px 18px;
  }
}

@media (max-width: 480px) {
  body { font-size: 14px; }

  .logo-name { font-size: 17px; }
  .logo-tagline { font-size: 11px; }
  .logo-shield { width: 36px; height: 42px; }
  .logo-shield::before { width: 36px; height: 28px; }
  .logo-shield::after { top: 26px; left: 3px; border-left-width: 15px; border-right-width: 15px; border-bottom-width: 14px; }
  .logo-shield-inner { font-size: 15px; top: 5px; }

  .hero { padding: 30px 0; }
  .hero h1 { font-size: 1.5em; }

  .page-banner h1 { font-size: 1.6em; }
}