/* ============================================================
   SKD INSURANCE — SHARED STYLESHEET
   ============================================================ */

/* ── Variables ── */
:root {
  --blue:        #1F3C88;
  --blue-dark:   #162c6a;
  --blue-light:  rgba(31,60,136,0.07);
  --terra:       #D6724B;
  --terra-dark:  #b85a35;
  --olive:       #8A9A5B;
  --sky:         #6FA8DC;
  --ivory:       #FFF8E7;
  --ivory-deep:  #F5EDD6;
  --white:       #FFFFFF;
  --text:        #2F2F2F;
  --text-muted:  #6B7280;
  --text-light:  #9CA3AF;
  --border:      rgba(0,0,0,0.07);
  --shadow-sm:   0 2px 12px rgba(31,60,136,0.07);
  --shadow-md:   0 8px 32px rgba(31,60,136,0.10);
  --shadow-lg:   0 20px 60px rgba(31,60,136,0.14);
  --radius:      10px;
  --radius-lg:   16px;
  --transition:  0.28s cubic-bezier(0.4,0,0.2,1);
}

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;font-size:16px;}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--ivory);line-height:1.6;overflow-x:hidden;}
img{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
button{cursor:pointer;font-family:inherit;border:none;outline:none;}

/* ── Typography ── */
.serif{font-family:'Playfair Display',serif;}
h1,h2,h3{font-family:'Playfair Display',serif;line-height:1.18;}
h1{font-size:clamp(2.2rem,4.5vw,3rem);font-weight:700;}
h2{font-size:clamp(1.8rem,3.2vw,2.4rem);font-weight:600;}
h3{font-size:clamp(1.1rem,2vw,1.35rem);font-weight:500;}
p{line-height:1.7;}

/* ── Utilities ── */
.container{max-width:1200px;margin:0 auto;padding:0 24px;}
.section{padding:88px 0;}
.section-label{font-family:'Inter',sans-serif;font-size:0.78rem;font-weight:600;letter-spacing:0.18em;text-transform:uppercase;color:var(--terra);margin-bottom:14px;}
.section-title{color:var(--blue);margin-bottom:18px;}
.section-sub{color:var(--text-muted);font-size:1.05rem;max-width:580px;}
.section-head{text-align:center;margin-bottom:60px;}
.section-head .section-sub{margin:0 auto;}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 24px;border-radius:8px;font-size:0.9rem;font-weight:600;transition:var(--transition);letter-spacing:0.01em;cursor:pointer;border:none;}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 2px 0 rgba(0,0,0,0.18),inset 0 1px 0 rgba(255,255,255,0.12);}
.btn-primary:hover{background:var(--blue-dark);transform:translateY(-1px);box-shadow:0 6px 20px rgba(31,60,136,0.28);}
.btn-secondary{background:var(--terra);color:#fff;box-shadow:0 2px 0 rgba(0,0,0,0.15);}
.btn-secondary:hover{background:var(--terra-dark);transform:translateY(-1px);box-shadow:0 6px 20px rgba(214,114,75,0.30);}
.btn-outline{background:transparent;color:var(--blue);border:1.5px solid var(--blue);}
.btn-outline:hover{background:var(--blue);color:#fff;}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,0.5);}
.btn-ghost:hover{background:rgba(255,255,255,0.12);border-color:#fff;}
.btn-white{background:#fff;color:var(--terra);font-weight:700;}
.btn-white:hover{background:var(--ivory);box-shadow:0 8px 28px rgba(0,0,0,0.15);}

/* ── Scroll Reveal ── */
.reveal{opacity:0;transform:translateY(28px);transition:opacity 0.65s ease,transform 0.65s ease;}
.reveal.visible{opacity:1;transform:translateY(0);}
.reveal-delay-1{transition-delay:0.10s;}
.reveal-delay-2{transition-delay:0.20s;}
.reveal-delay-3{transition-delay:0.30s;}
.reveal-delay-4{transition-delay:0.40s;}

/* ============================================================
   TOP UTILITY BAR
   ============================================================ */
#utility-bar{background:var(--blue);color:rgba(255,255,255,0.88);font-size:0.82rem;padding:7px 0;border-bottom:1px solid rgba(255,255,255,0.08);}
#utility-bar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;}
.util-left,.util-right{display:flex;align-items:center;gap:20px;}
.util-item{display:flex;align-items:center;gap:6px;transition:color var(--transition);}
.util-item:hover{color:#fff;}
.util-item svg{opacity:0.7;flex-shrink:0;}
.util-right a{padding:3px 12px;border-left:1px solid rgba(255,255,255,0.15);font-weight:500;transition:color var(--transition);}
.util-right a:first-child{border-left:none;}
.util-right a:hover{color:#fff;}

/* ============================================================
   NAVIGATION
   ============================================================ */
#navbar{background:var(--ivory);position:sticky;top:0;z-index:1000;border-bottom:1px solid var(--border);transition:box-shadow var(--transition),background var(--transition);}
#navbar.scrolled{background:rgba(255,248,231,0.97);backdrop-filter:blur(12px);box-shadow:0 4px 24px rgba(31,60,136,0.09);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:74px;}
.nav-logo{display:flex;align-items:center;gap:13px;flex-shrink:0;}
.nav-logo img{height:50px;width:auto;object-fit:contain;}
.nav-logo-text{display:flex;flex-direction:column;line-height:1.1;}
.nav-logo-text strong{font-family:'Playfair Display',serif;font-size:1.13rem;color:var(--blue);letter-spacing:-0.01em;}
.nav-logo-text span{font-size:0.68rem;color:var(--text-muted);letter-spacing:0.08em;text-transform:uppercase;font-weight:500;}
.nav-menu{display:flex;align-items:center;gap:4px;}
.nav-item{position:relative;padding-bottom:10px;margin-bottom:-10px;}
.nav-link{display:flex;align-items:center;gap:4px;padding:8px 12px;font-size:0.875rem;font-weight:500;color:var(--text);border-radius:6px;transition:color var(--transition),background var(--transition);white-space:nowrap;}
.nav-link:hover,.nav-link.active{color:var(--blue);background:var(--blue-light);}
.nav-link svg{width:14px;height:14px;transition:transform var(--transition);opacity:0.5;}
.nav-item:hover .nav-link svg{transform:rotate(180deg);opacity:1;}
.nav-cta{margin-left:14px;display:flex;align-items:center;flex-shrink:0;}

/* ── POSP Button ── */
.btn-posp-nav{display:inline-flex;align-items:center;gap:8px;padding:10px 20px;background:var(--terra);color:#fff;font-family:'Inter',sans-serif;font-size:0.875rem;font-weight:600;letter-spacing:0.01em;border-radius:8px;border:none;cursor:pointer;box-shadow:0 2px 0 rgba(0,0,0,0.18),inset 0 1px 0 rgba(255,255,255,0.12);transition:background var(--transition),box-shadow var(--transition),transform var(--transition);white-space:nowrap;position:relative;overflow:hidden;text-decoration:none;}
.btn-posp-nav::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,0.12) 0%,transparent 55%);pointer-events:none;}
.btn-posp-nav:hover{background:var(--terra-dark);box-shadow:0 5px 18px rgba(214,114,75,0.38),inset 0 1px 0 rgba(255,255,255,0.12);transform:translateY(-1px);}
.btn-posp-nav .posp-badge{display:inline-flex;align-items:center;background:rgba(255,255,255,0.22);color:#fff;font-size:0.64rem;font-weight:700;letter-spacing:0.06em;padding:2px 6px;border-radius:4px;flex-shrink:0;}
.btn-posp-nav svg{width:14px;height:14px;flex-shrink:0;opacity:0.88;}

/* ── Dropdowns ── */
.dropdown{position:absolute;top:100%;left:0;background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);box-shadow:var(--shadow-lg);min-width:220px;padding:10px;opacity:0;pointer-events:none;transform:translateY(-8px);transition:opacity var(--transition),transform var(--transition);z-index:200;}
.nav-item:hover .dropdown{opacity:1;pointer-events:auto;transform:translateY(0);}
.dropdown a{display:flex;align-items:center;gap:9px;padding:9px 12px;border-radius:7px;font-size:0.875rem;color:var(--text);transition:background var(--transition),color var(--transition);}
.dropdown a:hover{background:var(--blue-light);color:var(--blue);}
.dropdown-section{padding:4px 0;border-top:1px solid var(--border);margin-top:4px;}
.dropdown-section:first-child{border-top:none;margin-top:0;}
.dropdown-heading{padding:6px 12px;font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--blue);opacity:0.7;}

/* ── Mega Menu ── */
.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(-8px);background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--border);box-shadow:var(--shadow-lg);width:720px;padding:28px;opacity:0;pointer-events:none;transition:opacity var(--transition),transform var(--transition);z-index:200;}
.nav-item:hover .mega-menu{opacity:1;pointer-events:auto;transform:translateX(-50%) translateY(0);}
.mega-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;}
.mega-col-title{font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--blue);padding:4px 10px 8px;border-bottom:1px solid var(--border);margin-bottom:4px;}
.mega-menu a{display:flex;align-items:center;gap:9px;padding:8px 10px;border-radius:7px;font-size:0.85rem;color:var(--text);transition:background var(--transition),color var(--transition);}
.mega-menu a:hover{background:var(--blue-light);color:var(--blue);}
.mega-icon{width:8px;height:8px;background:var(--olive);border-radius:50%;flex-shrink:0;}
.solutions-mega{width:680px;padding:24px;}
.solutions-mega-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;}
.solutions-mega-section{padding:0 6px;}
.solutions-mega-title{font-size:0.78rem;font-weight:800;letter-spacing:0.12em;text-transform:uppercase;color:var(--blue);padding:0 0 10px;margin-bottom:8px;border-bottom:1px solid var(--border);}
.solutions-mega-group{margin-top:12px;}
.solutions-mega-group:first-of-type{margin-top:0;}
.solutions-mega-group h5{font-family:'Inter',sans-serif;font-size:0.68rem;font-weight:800;letter-spacing:0.09em;text-transform:uppercase;color:var(--terra);margin:0 0 4px;}
.solutions-mega a{padding:6px 8px;font-size:0.82rem;}

/* ── Hamburger ── */
.hamburger{display:none;flex-direction:column;gap:5px;padding:8px;cursor:pointer;border:none;background:none;}
.hamburger span{display:block;width:24px;height:2px;background:var(--blue);border-radius:2px;transition:var(--transition);}
.hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px);}
.hamburger.open span:nth-child(2){opacity:0;}
.hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px);}

/* ── Mobile Nav Drawer ── */
.mobile-nav{display:none;position:fixed;inset:0;background:var(--ivory);z-index:999;padding:20px 24px;overflow-y:auto;transform:translateX(100%);transition:transform 0.35s cubic-bezier(0.4,0,0.2,1);}
.mobile-nav.open{transform:translateX(0);}
.mobile-nav-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:36px;padding-top:10px;}
.mobile-close{background:none;border:none;font-size:1.6rem;color:var(--blue);padding:4px;cursor:pointer;}
.mobile-nav-links{display:flex;flex-direction:column;gap:6px;}
.mobile-link{display:block;padding:13px 16px;border-radius:8px;font-size:1rem;font-weight:500;color:var(--text);transition:background var(--transition),color var(--transition);}
.mobile-link:hover{background:var(--blue-light);color:var(--blue);}
.mobile-section-title{font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--blue);padding:12px 16px 4px;opacity:0.7;}
.mobile-divider{height:1px;background:var(--border);margin:10px 0;}
.mobile-cta-wrap{margin-top:28px;display:flex;flex-direction:column;gap:11px;padding-top:20px;border-top:1px solid var(--border);}
.btn-posp-mob{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;font-family:'Inter',sans-serif;font-size:0.93rem;font-weight:600;border-radius:9px;border:none;cursor:pointer;width:100%;background:var(--terra);color:#fff;text-decoration:none;transition:background var(--transition);}
.btn-posp-mob:hover{background:var(--terra-dark);}
.btn-posp-mob .posp-badge{background:rgba(255,255,255,0.22);font-size:0.66rem;font-weight:700;padding:2px 6px;border-radius:4px;}
.mob-call-btn{display:flex;align-items:center;justify-content:center;padding:13px;border-radius:9px;border:1.5px solid var(--blue);color:var(--blue);background:transparent;font-weight:600;font-size:0.93rem;transition:background var(--transition),color var(--transition);}
.mob-call-btn:hover{background:var(--blue);color:#fff;}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero{background:var(--blue);padding:80px 0 72px;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 80% 50%,rgba(111,168,220,0.18) 0%,transparent 60%),radial-gradient(circle at 10% 80%,rgba(214,114,75,0.10) 0%,transparent 45%);pointer-events:none;}
.page-hero .container{position:relative;z-index:1;}
.page-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.page-hero-content{}
.page-hero-image{position:relative;}
.page-hero-image img{width:100%;height:380px;object-fit:cover;border-radius:var(--radius-lg);box-shadow:0 24px 64px rgba(0,0,0,0.25);}
.page-hero-image .hero-overlay-badge{position:absolute;bottom:20px;left:20px;background:rgba(255,255,255,0.96);border-radius:var(--radius);padding:12px 16px;display:flex;align-items:center;gap:10px;box-shadow:var(--shadow-md);}
.page-hero-image .hero-overlay-badge .badge-icon{width:38px;height:38px;background:var(--blue-light);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue);}
.page-hero-image .hero-overlay-badge .badge-icon svg{width:20px;height:20px;}
.page-hero-image .hero-overlay-badge .badge-text strong{display:block;font-size:1rem;font-weight:700;color:var(--blue);}
.page-hero-image .hero-overlay-badge .badge-text span{font-size:0.75rem;color:var(--text-muted);}
.page-hero-label{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.10);border:1px solid rgba(255,255,255,0.18);color:rgba(255,255,255,0.85);font-size:0.75rem;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;padding:6px 14px;border-radius:50px;margin-bottom:20px;}
.page-hero-label span{width:6px;height:6px;background:var(--terra);border-radius:50%;display:block;}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem);line-height:1.12;margin-bottom:18px;}
.page-hero h1 em{font-style:normal;color:var(--terra);}
.page-hero p{color:rgba(255,255,255,0.78);font-size:1.05rem;line-height:1.75;max-width:600px;margin-bottom:32px;}
.page-hero-btns{display:flex;align-items:center;gap:14px;flex-wrap:wrap;}
.breadcrumb{display:flex;align-items:center;gap:8px;margin-bottom:20px;}
.breadcrumb a{color:rgba(255,255,255,0.6);font-size:0.82rem;transition:color var(--transition);}
.breadcrumb a:hover{color:#fff;}
.breadcrumb span{color:rgba(255,255,255,0.35);font-size:0.75rem;}
.breadcrumb .current{color:rgba(255,255,255,0.9);font-size:0.82rem;}

/* ============================================================
   SHARED SECTION COMPONENTS
   ============================================================ */
/* Step card */
.step-card{display:flex;align-items:flex-start;gap:18px;padding:24px 0;border-bottom:1px solid var(--border);}
.step-card:last-child{border-bottom:none;}
.step-num{width:42px;height:42px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:0.9rem;font-weight:700;flex-shrink:0;}
.step-body strong{display:block;font-size:0.95rem;font-weight:600;color:var(--blue);margin-bottom:4px;}
.step-body p{font-size:0.875rem;color:var(--text-muted);}

/* Check list */
.check-list{display:flex;flex-direction:column;gap:12px;margin-top:20px;}
.check-item{display:flex;align-items:flex-start;gap:12px;font-size:0.9rem;color:var(--text-muted);}
.check-icon{width:22px;height:22px;background:var(--blue);border-radius:5px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;}
.check-icon svg{color:#fff;width:12px;height:12px;}

/* Info card */
.info-card{background:var(--white);border-radius:var(--radius-lg);padding:28px;border:1px solid var(--border);transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);}
.info-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:rgba(31,60,136,0.14);}

/* Stat block */
.stat-block{text-align:center;padding:28px 20px;}
.stat-block .num{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:700;color:var(--blue);line-height:1;}
.stat-block .lbl{font-size:0.85rem;color:var(--text-muted);margin-top:6px;}

/* CTA banner */
.cta-banner{background:var(--terra);padding:80px 0;text-align:center;}
.cta-banner h2{color:#fff;font-size:clamp(1.8rem,3vw,2.4rem);margin-bottom:14px;}
.cta-banner p{color:rgba(255,255,255,0.85);font-size:1rem;max-width:540px;margin:0 auto 36px;}
.cta-banner .btns{display:flex;justify-content:center;gap:16px;flex-wrap:wrap;}

/* ============================================================
   FOOTER
   ============================================================ */
#footer{background:var(--blue);color:rgba(255,255,255,0.75);}
.footer-main{padding:72px 0 48px;border-bottom:1px solid rgba(255,255,255,0.10);}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;}
.footer-brand p{font-size:0.88rem;line-height:1.7;color:rgba(255,255,255,0.65);max-width:280px;}
.footer-logo{display:flex;align-items:center;gap:12px;margin-bottom:18px;}
.footer-logo img{height:54px;width:54px;object-fit:contain;border-radius:10px;background:#ffffff;padding:6px;box-shadow:0 2px 8px rgba(0,0,0,0.2);}
.footer-social{display:flex;gap:10px;margin-top:22px;}
.footer-social a{width:36px;height:36px;border-radius:8px;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.7);transition:background var(--transition),color var(--transition);}
.footer-social svg{width:16px;height:16px;}
.footer-social a:hover{background:var(--terra);color:#fff;}
.footer-col h4{font-size:0.8rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:#fff;margin-bottom:16px;}
.footer-col ul{display:flex;flex-direction:column;gap:9px;}
.footer-col ul a{font-size:0.88rem;color:rgba(255,255,255,0.65);transition:color var(--transition);}
.footer-col ul a:hover{color:#fff;}
.footer-bottom{padding:24px 0;}
.footer-bottom-inner{display:block;width:100%;}
.footer-compliance{width:100%;font-size:0.8rem;color:rgba(255,255,255,0.5);line-height:1.6;}
.footer-compliance strong{color:rgba(255,255,255,0.75);}
.footer-copy{display:block;width:100%;font-size:0.8rem;color:rgba(255,255,255,0.45);text-align:left;margin-bottom:10px;}

/* Mobile sticky bar */
#mobile-sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:500;background:var(--blue);padding:12px 20px;box-shadow:0 -4px 20px rgba(0,0,0,0.15);}
#mobile-sticky-cta a{display:block;text-align:center;background:var(--terra);color:#fff;padding:13px;border-radius:8px;font-weight:700;font-size:0.95rem;}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:1100px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px;}
}
@media(max-width:860px){
  .nav-menu,.nav-cta{display:none !important;}
  .hamburger{display:flex;}
  .mobile-nav{display:block;}
  #mobile-sticky-cta{display:block;}
  .util-right{display:none;}
  .mega-menu{width:95vw;left:0;transform:none;}
  .nav-item:hover .mega-menu{transform:none;}
  .solutions-mega-grid{grid-template-columns:1fr;}
}
@media(max-width:768px){
  .section{padding:60px 0;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-copy{text-align:left;}
}
@media(max-width:1024px){
  .page-hero-grid{grid-template-columns:1fr;gap:32px;}
  .page-hero-image img{height:300px;}
}
@media(max-width:480px){
  .page-hero-btns{flex-direction:column;align-items:flex-start;}
  .page-hero-image img{height:220px;}
}