/* ==========================================================================
   sd.insure — Component Styles
   ========================================================================== */

/* Navigation
   ========================================================================== */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(226, 230, 237, 0.5);
  box-shadow: 0 1px 8px rgba(26, 39, 68, 0.04);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  color: var(--charcoal);
  text-decoration: none;
  letter-spacing: -0.01em;
}

.nav-logo span {
  color: var(--gold);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2.25rem;
}

.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--charcoal);
  text-decoration: none;
  padding: 0.25rem 0;
  border-bottom: 2px solid transparent;
  transition: border-color var(--transition), color var(--transition);
  letter-spacing: 0.01em;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--gold-dark);
  border-bottom-color: var(--gold);
}

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

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--charcoal);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

.nav-toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

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

  .nav-links {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    flex-direction: column;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    padding: 1.5rem;
    gap: 1rem;
    border-bottom: 1px solid var(--warm-gray);
    box-shadow: var(--shadow-lg);
  }

  .nav-links.open {
    display: flex;
  }
}

/* Footer
   ========================================================================== */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.6);
  padding: 4rem 1.5rem 2.5rem;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
}

.footer h4 {
  color: #fff;
  font-size: 1.1rem;
  margin-bottom: 1.25rem;
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  max-width: 36ch;
}

.footer-links a {
  display: block;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.9rem;
  padding: 0.3rem 0;
  transition: color var(--transition);
}

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

.footer-bottom {
  max-width: var(--max-width);
  margin: 2.5rem auto 0;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  font-size: 0.85rem;
  text-align: center;
  color: rgba(255, 255, 255, 0.3);
}

@media (max-width: 768px) {
  .footer {
    padding: 3rem 1rem 2rem;
  }

  .footer-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* Buttons
   ========================================================================== */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 0.85rem 2.25rem;
  border-radius: 50px;
  text-decoration: none;
  transition: all var(--transition);
  cursor: pointer;
  letter-spacing: 0.01em;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  color: #fff;
  box-shadow: 0 2px 8px rgba(201, 168, 76, 0.25);
}

.btn-primary:hover {
  color: #fff;
  box-shadow: 0 6px 24px rgba(201, 168, 76, 0.4);
  transform: translateY(-2px);
}

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

.btn-secondary:hover {
  background: var(--gold);
  color: #fff;
}

.btn-dark {
  background: var(--navy);
  color: #fff;
}

.btn-dark:hover {
  background: var(--navy-light);
  color: #fff;
  transform: translateY(-2px);
}

.btn-white {
  background: #fff;
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(26, 39, 68, 0.08);
}

.btn-white:hover {
  background: #fff;
  color: var(--navy);
  box-shadow: 0 6px 24px rgba(26, 39, 68, 0.14);
  transform: translateY(-2px);
}

.btn-outline-light {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.5);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border-color: #fff;
}

.btn-group {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Cards
   ========================================================================== */
.card {
  background: #fff;
  border: 1px solid rgba(226, 230, 237, 0.7);
  border-radius: var(--radius);
  padding: 2.25rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  opacity: 0;
  transition: opacity var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}

.card:hover::before {
  opacity: 1;
}

.card-icon {
  font-size: 1.65rem;
  margin-bottom: 1.25rem;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-glow);
  border-radius: 12px;
}

.card h3 {
  margin-bottom: 0.75rem;
}

.card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}

.card-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

@media (max-width: 768px) {
  .card-grid-3 {
    grid-template-columns: 1fr;
  }

  .card {
    padding: 1.75rem;
  }

  .card-icon {
    width: 48px;
    height: 48px;
    font-size: 1.4rem;
  }
}

@media (max-width: 480px) {
  .btn {
    padding: 0.75rem 1.5rem;
    font-size: 0.85rem;
  }

  .btn-group {
    flex-direction: column;
    gap: 0.75rem;
  }

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

/* Stat Bar
   ========================================================================== */
.stat-bar {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 3.5rem 1.5rem;
  position: relative;
  overflow: hidden;
}

.stat-bar::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -8%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(201, 168, 76, 0.04);
  pointer-events: none;
}

.stat-bar-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  justify-content: center;
  gap: 5rem;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

.stat {
  text-align: center;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.75rem;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 0.4rem;
}

.stat-label {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 500;
}

/* CTA Banner
   ========================================================================== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #2f4a6e 100%);
  color: #fff;
  padding: 5rem 1.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  bottom: -25%;
  left: -5%;
  width: 350px;
  height: 350px;
  border-radius: 50%;
  background: rgba(201, 168, 76, 0.05);
  pointer-events: none;
}

.cta-banner::after {
  content: '';
  position: absolute;
  top: -15%;
  right: -5%;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(201, 168, 76, 0.04);
  pointer-events: none;
}

.cta-banner h2 {
  color: #fff;
  margin-bottom: 1rem;
  position: relative;
  z-index: 1;
}

.cta-banner h2::after {
  display: none;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.6);
  margin: 0 auto 2.5rem;
  font-size: 1.15rem;
  max-width: 50ch;
  position: relative;
  z-index: 1;
}

.cta-banner .btn-group {
  justify-content: center;
  position: relative;
  z-index: 1;
}

@media (max-width: 768px) {
  .cta-banner {
    padding: 3.5rem 1rem;
  }

  .cta-banner p {
    font-size: 1rem;
    margin-bottom: 2rem;
  }
}

@media (max-width: 480px) {
  .cta-banner {
    padding: 2.5rem 0.75rem;
  }

  .cta-banner .btn-group {
    flex-direction: column;
    gap: 0.75rem;
    align-items: center;
  }

  .cta-banner .btn-group .btn {
    width: 100%;
    max-width: 280px;
    text-align: center;
  }
}