/* Surenexa Insurance — production stylesheet */
:root{
  --navy:#16214f; --navy-dark:#0f1a45; --navy-light:#223a8f; --gold:#f0b429; --gold-dark:#d99a1c;
  --text:#1b2340; --text-muted:#5b6478; --text-faint:#8087a0; --bg-alt:#f6f7fb; --border:#e6e8f0; --white:#ffffff;
  --health-dark:#14532d; --health:#166534; --health-bg:#eafaf0; --health-text:#3f6b50;
  --motor-dark:#7c2d12; --motor:#c2410c; --motor-bg:#fdf1e4; --motor-text:#9a5b32;
  --property-dark:#4c1d95; --property:#6d28d9; --property-bg:#f3ecfd; --property-text:#6b4c9e;
  --radius:12px; --radius-lg:16px; --max:1200px;
}
*{box-sizing:border-box;}
html,body{margin:0;padding:0;}
body{font-family:'Inter',Arial,sans-serif;color:var(--text);background:#fff;line-height:1.5;}
h1,h2,h3{font-family:'Playfair Display',Georgia,serif;margin:0;}
a{color:var(--navy);text-decoration:none;}
a:hover{text-decoration:underline;}
img{max-width:100%;display:block;}
.wrap{max-width:var(--max);margin:0 auto;padding-inline:clamp(20px,5vw,32px);}
.kicker{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;margin-bottom:12px;}
.section{padding:64px 0;}
.section-tight{padding:48px 0 0;}
.section-title{font-weight:800;font-size:28px;color:var(--navy);margin:0 0 16px;}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:8px;font-weight:700;font-size:14.5px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;}
.btn:hover{text-decoration:none;opacity:.92;}
.btn-primary{background:var(--gold);color:var(--navy);}
.btn-solid-navy{background:var(--navy);color:#fff;}
.btn-outline{background:transparent;border-color:var(--navy);color:var(--navy);}
.btn-outline-light{background:transparent;border-color:rgba(255,255,255,.55);color:#fff;}
.btn-outline-white{background:#fff;color:var(--navy);}
.btn-block{width:100%;justify-content:center;}

/* Header / Nav */
.site-header{position:relative;z-index:60;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 32px;background:#fff;border-bottom:1px solid var(--border);flex-wrap:wrap;}
.nav-brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.nav-logo{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:800;font-size:17px;}
.nav-brand-name{font-family:'Playfair Display',serif;font-weight:800;font-size:18px;color:var(--navy);line-height:1.1;}
.nav-brand-tag{font-size:11.5px;color:var(--text-faint);line-height:1.1;}
.nav-links{display:flex;align-items:center;gap:4px;}
.nav-link{color:#3d4766;text-decoration:none;font-size:15px;font-weight:500;padding:8px 14px;border-radius:8px;}
.nav-link:hover{background:var(--bg-alt);color:var(--navy);text-decoration:none;}
.nav-actions{display:flex;align-items:center;gap:10px;}
.nav-cta-outline{display:flex;align-items:center;gap:6px;padding:9px 16px;border-radius:8px;border:1.5px solid var(--navy);color:var(--navy);text-decoration:none;font-size:14px;font-weight:600;}
.nav-cta-solid{padding:10px 18px;border-radius:8px;background:var(--navy);color:#fff;text-decoration:none;font-size:14px;font-weight:600;}
.dropdown{position:relative;}
.dropdown-btn{background:none;border:0;padding:8px 14px;font:inherit;font-size:15px;font-weight:500;color:#3d4766;cursor:pointer;display:inline-flex;align-items:center;gap:4px;border-radius:8px;}
.dropdown-menu{position:absolute;top:calc(100% + 8px);left:0;background:#fff;box-shadow:0 12px 32px rgba(22,33,79,.18);border-radius:12px;padding:8px;min-width:220px;display:none;flex-direction:column;gap:2px;}
.dropdown.open .dropdown-menu{display:flex;}
.dropdown-menu a{padding:10px 14px;border-radius:8px;text-decoration:none;color:var(--navy);font-size:14.5px;}
.dropdown-menu a:hover{background:var(--bg-alt);text-decoration:none;}
.mobile-toggle{display:none;background:none;border:1.5px solid var(--navy);border-radius:8px;width:40px;height:40px;align-items:center;justify-content:center;color:var(--navy);cursor:pointer;}
.mobile-menu{display:none;background:#fff;box-shadow:0 12px 24px rgba(22,33,79,.12);padding:16px 24px;flex-direction:column;gap:10px;}
.mobile-menu.open{display:flex;}
.mobile-menu a{color:#3d4766;text-decoration:none;}
.mobile-menu a.strong{color:var(--navy);font-weight:600;}
@media (max-width:900px){
  .nav-links,.nav-actions{display:none;}
  .mobile-toggle{display:flex;}
}

/* Category sub-nav tabs */
.category-tabs{background:var(--bg-alt);border-bottom:1px solid var(--border);padding:12px 0;}
.tab{padding:9px 16px;border-radius:8px;text-decoration:none;font-size:14px;font-weight:600;color:#3d4766;}
.tab.active{color:#fff;}
.tab.active.life{background:var(--navy);}
.tab.active.health{background:var(--health);}
.tab.active.motor{background:var(--motor);}
.tab.active.property{background:var(--property);}
.tabs-row{display:flex;gap:8px;flex-wrap:wrap;}

/* Hero */
.hero-navy{background:linear-gradient(155deg,var(--navy-dark),var(--navy-light));padding:56px 0 72px;}
.hero-grid{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:40px clamp(24px,5vw,64px);align-items:center;}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);color:var(--gold);padding:7px 14px;border-radius:999px;font-size:13px;font-weight:600;}
.hero-title{font-weight:800;font-size:clamp(38px,5vw,56px);line-height:1.1;color:#fff;margin:20px 0 0;}
.hero-title .accent{color:var(--gold);}
.hero-sub{font-size:17px;line-height:1.65;max-width:46ch;margin:18px 0 0;color:#c9cee0;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px;}
.hero-media{position:relative;}
.hero-photo{border-radius:16px;overflow:hidden;aspect-ratio:4/3;width:100%;box-shadow:0 24px 50px rgba(0,0,0,.35);border:4px solid rgba(255,255,255,.9);}
.hero-photo img{width:100%;height:100%;object-fit:cover;}
.hero-card{position:absolute;left:20px;bottom:-20px;background:#fff;border-radius:10px;padding:12px 18px;box-shadow:0 12px 26px rgba(0,0,0,.2);}
.hero-card-name{font-weight:700;font-size:15px;color:var(--navy);}
.hero-card-sub{font-size:12.5px;color:var(--text-muted);}

/* Category hero (service pages) */
.cat-hero{padding:48px 0;}
.cat-hero .kicker{font-weight:700;margin-bottom:12px;}
.cat-hero h1{font-weight:800;font-size:clamp(32px,4.5vw,46px);line-height:1.1;color:#fff;margin:0;}
.cat-hero p{font-size:16px;line-height:1.65;max-width:56ch;margin:14px 0 0;}
.cat-hero.life{background:linear-gradient(135deg,var(--navy-dark),var(--navy-light));}
.cat-hero.health{background:var(--health-dark);}
.cat-hero.motor{background:linear-gradient(135deg,var(--motor-dark),#b45309);}
.cat-hero.property{background:var(--property-dark);}
.cat-hero-grid{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:32px clamp(24px,5vw,64px);align-items:center;}
.cat-hero-media{border-radius:14px;overflow:hidden;aspect-ratio:4/3;width:100%;box-shadow:0 20px 40px rgba(0,0,0,.3);}
.cat-hero-media img{width:100%;height:100%;object-fit:cover;}

/* Stats bar */
.stats-bar{background:var(--gold);}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:32px clamp(20px,5vw,32px);text-align:center;}
.stat-num{font-family:'Playfair Display',serif;font-weight:800;font-size:30px;color:var(--navy);}
.stat-label{font-size:13.5px;color:#3d3210;margin-top:4px;}

/* Cards / grids */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px;text-align:left;}
.card-alt{background:var(--bg-alt);border-radius:12px;padding:20px;}
.card-title{font-family:'Playfair Display',serif;font-weight:700;font-size:18px;color:var(--navy);margin-top:10px;}
.card-icon{font-size:26px;}
.card-desc{font-size:14px;line-height:1.6;color:var(--text-muted);margin:8px 0 14px;}
.card-link{color:var(--navy);font-weight:600;font-size:14px;text-decoration:none;}

/* Why section (navy) */
.why-section{background:var(--navy);padding:64px 0;text-align:center;}
.why-section h2{color:#fff;font-size:32px;}
.why-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:24px;margin-top:36px;text-align:left;}
.why-item-title{font-family:'Playfair Display',serif;font-weight:700;font-size:16px;color:var(--gold);margin-top:10px;}
.why-item-desc{font-size:13.5px;line-height:1.6;color:#c9cee0;margin:8px 0 0;}

/* About */
.about-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:40px clamp(24px,5vw,80px);align-items:center;}
.about-photo{border-radius:14px;overflow:hidden;aspect-ratio:4/5;width:100%;border:4px solid var(--gold);}
.about-photo img{width:100%;height:100%;object-fit:cover;}
.about-text{font-size:15.5px;line-height:1.7;max-width:56ch;margin:16px 0 0;color:var(--text-muted);}

/* Compare table */
.compare-wrap{overflow-x:auto;border-radius:12px;border:1px solid var(--border);}
table.compare{min-width:720px;width:100%;border-collapse:collapse;font-size:14px;}
table.compare thead tr{background:var(--bg-alt);}
table.compare th,table.compare td{text-align:left;padding:12px 16px;}
table.compare th{color:var(--navy);font-weight:700;}
table.compare td{color:#3d4766;}
table.compare tbody tr{border-top:1px solid var(--border);}

/* Calculators */
.calc-card{padding:28px;border-radius:16px;}
.calc-card.life{background:var(--bg-alt);border:1.5px solid var(--navy);}
.calc-card.health{background:var(--health-bg);border:1.5px solid var(--health);}
.calc-card.motor{background:var(--motor-bg);border:1.5px solid var(--motor);}
.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;}
@media (max-width:720px){.calc-grid{grid-template-columns:1fr;} .grid-4,.grid-3,.why-grid,.hero-grid,.about-grid,.cat-hero-grid{grid-template-columns:1fr !important;}}
.field label{display:block;font-size:13px;font-weight:600;color:#3d4766;margin-bottom:6px;}
.field input,.field select,.field textarea{width:100%;box-sizing:border-box;padding:10px 12px;border-radius:8px;border:1.5px solid #dde1ec;font-family:'Inter',sans-serif;font-size:14.5px;color:var(--text);}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold);}
.calc-actions{display:flex;gap:12px;margin-top:18px;}
.calc-result{background:#fff;border-radius:12px;padding:20px;margin-top:20px;display:none;}
.calc-result.show{display:block;}
.calc-result-label{font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-faint);}
.calc-result-value{font-family:'Playfair Display',serif;font-weight:800;font-size:28px;margin-top:6px;}
.calc-disclaimer{font-size:13px;line-height:1.6;margin-top:10px;color:var(--text-faint);}
.calc-error{color:var(--motor);font-size:14px;margin:12px 0 0;display:none;}
.calc-error.show{display:block;}

/* Testimonials / FAQ */
.testimonial-quote{font-family:'Playfair Display',serif;font-style:italic;font-size:16px;line-height:1.6;margin:0;color:var(--navy);}
.testimonial-meta{margin-top:12px;font-size:13.5px;color:var(--text-muted);}
.faq-list{display:flex;flex-direction:column;}
.faq-item{border-top:1px solid var(--border);padding:16px 0;}
.faq-item:last-child{border-bottom:1px solid var(--border);}
.faq-item summary{cursor:pointer;font-family:'Playfair Display',serif;font-size:16.5px;color:var(--navy);list-style:none;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item p{font-size:14.5px;line-height:1.6;margin:10px 0 0;color:var(--text-muted);}

/* CTA section */
.cta-navy{background:var(--navy);padding:64px 0;text-align:center;}
.cta-navy h2{color:#fff;font-size:32px;}
.cta-navy p{color:#c9cee0;font-size:15.5px;margin:10px 0 0;}
.cta-form-wrap{max-width:760px;margin:36px auto 0;text-align:left;}

/* Lead form */
.lead-form{background:#fff;border-radius:14px;box-shadow:0 12px 30px rgba(22,33,79,.1);padding:32px;display:flex;flex-direction:column;gap:16px;}
.lead-consent{display:flex;align-items:flex-start;gap:8px;font-size:13px;line-height:1.5;color:var(--text-muted);}
.lead-thanks{background:#fff;border-radius:14px;box-shadow:0 12px 30px rgba(22,33,79,.1);padding:40px;text-align:center;display:none;}
.lead-thanks.show{display:block;}

/* Footer */
.site-footer{background:var(--navy);color:#c9cee0;}
.footer-grid{max-width:var(--max);margin:0 auto;padding:56px 32px 28px;display:grid;grid-template-columns:minmax(220px,1.3fr) 1fr 1fr;gap:40px;}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px;}
.footer-col-title{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:14px;}
.footer-links{display:flex;flex-direction:column;gap:10px;font-size:14.5px;}
.footer-links a{color:#c9cee0;text-decoration:none;}
.footer-bottom{max-width:var(--max);margin:0 auto;padding:20px 32px;border-top:1px solid rgba(255,255,255,.1);display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:space-between;font-size:13px;color:#8c93b0;}
.footer-bottom a{color:#8c93b0;text-decoration:none;}
.footer-legal{max-width:var(--max);margin:0 auto;padding:0 32px 24px;font-size:12px;line-height:1.6;color:#7680a0;}

/* Floating CTAs */
.floating-ctas{position:fixed;bottom:24px;right:24px;z-index:100;display:flex;flex-direction:column;gap:12px;align-items:flex-end;}
.fab{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.3);}
.fab-call{background:var(--navy);color:var(--gold);}
.fab-whatsapp{background:#25D366;color:#fff;}

/* Legal pages */
.legal-wrap{max-width:760px;margin:0 auto;padding:40px clamp(20px,5vw,32px) 72px;}
.legal-wrap h1{font-weight:800;font-size:clamp(28px,3.5vw,38px);color:var(--navy);}
.legal-wrap h2{font-weight:700;font-size:21px;color:var(--navy);margin:32px 0 12px;}
.legal-wrap p{font-size:15px;line-height:1.7;color:#4a5270;}
.legal-date{font-size:13px;color:var(--text-faint);}

.tag-pill{font-size:13px;padding:6px 14px;border-radius:999px;border:1.5px solid #dde1ec;color:#3d4766;}