/* ===== Liberty One Insurance Services — Stylesheet ===== */
/* Palette: navy (trust), gold (value), crisp paper background */
:root {
  --navy: #12253f;
  --navy-2: #1b3557;
  --gold: #c9a24b;
  --gold-dark: #a9823a;
  --paper: #f6f8fb;
  --paper-soft: #ffffff;
  --steel: #8a93a1;
  --line: rgba(246, 248, 251, 0.14);
  --text: #232a33;
  --muted: #5b6472;
  --shadow: 0 12px 40px rgba(18,37,63,.14);
  --radius: 12px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Noto Sans SC', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container { width: min(1160px, 92%); margin: 0 auto; }

h1, h2, h3, h4 { font-family: 'Oswald', 'Noto Sans SC', sans-serif; font-weight: 700; line-height: 1.1; text-transform: uppercase; letter-spacing: .5px; }

a { color: inherit; text-decoration: none; }

img { max-width: 100%; display: block; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: 'Oswald', sans-serif; font-weight: 600; text-transform: uppercase;
  letter-spacing: .8px; font-size: .95rem;
  padding: .85rem 1.6rem; border-radius: 8px; cursor: pointer;
  border: 2px solid transparent; transition: transform .15s ease, background .2s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--gold); color: var(--navy); box-shadow: 0 6px 18px rgba(201,162,75,.35); }
.btn-primary:hover { background: var(--gold-dark); }
.btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-outline:hover { background: #fff; color: var(--navy); }
.btn-call { background: var(--gold); color: var(--navy); padding: .6rem 1.1rem; }
.btn-block { width: 100%; margin-top: .5rem; }

.kicker {
  display: inline-block; font-family: 'Oswald', sans-serif; text-transform: uppercase;
  letter-spacing: 3px; color: var(--gold-dark); font-weight: 600; font-size: .8rem; margin-bottom: .6rem;
}
.section-dark .kicker { color: var(--gold); }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(18,37,63,.97); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .7rem 0; }
.brand { display: flex; align-items: center; gap: .7rem; }
.brand-logo { height: 54px; width: auto; }
.brand-name {
  font-family: 'Oswald', sans-serif; font-weight: 700; text-transform: uppercase;
  color: #fff; font-size: 1.2rem; line-height: 1; display: flex; flex-direction: column;
}
.brand-sub { font-size: .68rem; letter-spacing: 2.5px; color: var(--gold); font-weight: 500; }

.header-actions { display: flex; align-items: center; gap: 1.2rem; }

.nav { display: flex; align-items: center; gap: 1.5rem; }
.nav > a { color: #fff; font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1px; font-size: .88rem; font-weight: 500; transition: color .2s; }
.nav > a:hover { color: var(--gold); }
.nav-call { color: var(--navy) !important; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
.nav-toggle span { width: 26px; height: 3px; background: #fff; border-radius: 3px; }

/* ===== Language switch ===== */
.lang-switch { display: flex; align-items: center; gap: .2rem; background: rgba(255,255,255,.08); border-radius: 999px; padding: .25rem; flex-shrink: 0; }
.lang-btn {
  font-family: 'Oswald', sans-serif; font-size: .72rem; font-weight: 600; letter-spacing: .5px;
  color: rgba(255,255,255,.7); background: transparent; border: none; border-radius: 999px;
  padding: .38rem .65rem; cursor: pointer; transition: background .2s ease, color .2s ease;
}
.lang-btn:hover { color: #fff; }
.lang-btn.active { background: var(--gold); color: var(--navy); }

/* ===== Hero ===== */
.hero {
  position: relative; color: #fff;
  background:
    radial-gradient(circle at 80% 20%, rgba(201,162,75,.22), transparent 45%),
    linear-gradient(135deg, #16304f 0%, #12253f 60%, #0b1a2c 100%);
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image: repeating-linear-gradient(45deg, rgba(246,248,251,.03) 0 2px, transparent 2px 22px);
  pointer-events: none;
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center;
  padding: 4.5rem 0 4rem;
}
.hero-eyebrow { color: var(--gold); font-family: 'Oswald', sans-serif; letter-spacing: 3px; text-transform: uppercase; font-size: .85rem; font-weight: 600; }
.hero-text h1 { font-size: clamp(2.4rem, 5.6vw, 4.2rem); margin: 1rem 0 1.2rem; color: #fff; }
.hero-text h1 .accent { color: var(--gold); }
.hero-lead { font-size: 1.12rem; color: rgba(246,248,251,.85); max-width: 36rem; margin-bottom: 1.8rem; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2rem; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 1.2rem; font-size: .9rem; color: #fff; font-weight: 500; }
.hero-badges span { opacity: .9; }
.hero-visual { display: flex; align-items: center; justify-content: center; }
.hero-visual img {
  width: 100%;
  max-width: 680px;
  margin: 0 auto;
  border-radius: 22px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, .32);
  object-fit: cover;
}

/* ===== Trust strip ===== */
.trust-strip { background: var(--gold); color: var(--navy); }
.trust-inner { display: grid; grid-template-columns: repeat(4,1fr); text-align: center; }
.trust-item { padding: 1.4rem .5rem; border-right: 1px solid rgba(18,37,63,.18); }
.trust-item:last-child { border-right: none; }
.trust-item strong {
  display: block;
  font-family: 'Oswald', sans-serif;
  font-size: 1.6rem;
  line-height: 1;
  font-weight: 700;
}
.trust-item span {
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  opacity: .9;
  font-weight: 700;
}
.trust-item.emphasis strong,
.trust-item.emphasis span {
  font-weight: 800;
}

/* ===== Sections ===== */
.section { padding: 5rem 0; }
.section-dark { background: var(--navy); color: #fff; }
.section-head { text-align: center; max-width: 40rem; margin: 0 auto 3rem; }
.section-head h2 { font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: .8rem; }
.section-dark .section-head h2 { color: #fff; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.section-dark .section-head p { color: rgba(246,248,251,.7); }

/* ===== Services ===== */
.services-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.3rem; }
.service-card {
  background: #fff; border: 1px solid rgba(18,37,63,.06); border-radius: var(--radius);
  padding: 1.8rem 1.5rem; box-shadow: 0 4px 14px rgba(18,37,63,.05);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s;
  border-top: 4px solid var(--gold);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service-icon { font-size: 2.1rem; margin-bottom: .8rem; }
.service-card h3 { font-size: 1.1rem; margin-bottom: .5rem; color: var(--navy); }
.service-card p { color: var(--muted); font-size: .93rem; }

/* Featured "High-Risk Welcome" card */
.service-card--featured { background: linear-gradient(150deg, var(--navy), var(--navy-2)); border-top-color: var(--gold); }
.service-card--featured h3 { color: #fff; }
.service-card--featured p { color: rgba(246,248,251,.88); }
.service-card--featured p strong { color: var(--gold); }

.services-cta { text-align: center; margin-top: 3rem; }
.services-cta p { font-size: 1.2rem; margin-bottom: 1.2rem; }

/* ===== Why ===== */
.why-inner { display: grid; grid-template-columns: 1.2fr .8fr; gap: 3rem; align-items: center; }
.why-text h2 { font-size: clamp(2rem, 4vw, 2.8rem); color: #fff; margin-bottom: 1.2rem; }
.why-lead { color: rgba(246,248,251,.8); font-size: 1.05rem; margin-bottom: 1.6rem; }
.why-list { list-style: none; margin-bottom: 2rem; }
.why-list li { padding: .7rem 0 .7rem 2rem; position: relative; border-bottom: 1px solid var(--line); color: rgba(246,248,251,.85); }
.why-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.why-list strong { color: #fff; }

.why-badge {
  position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
  border: 3px solid var(--gold); background: linear-gradient(160deg, var(--navy-2), var(--navy) 70%);
  aspect-ratio: 4/5; display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 2rem;
}
.why-badge-num { font-family: 'Oswald', sans-serif; font-size: 4.2rem; font-weight: 700; color: var(--gold); line-height: 1; }
.why-badge-label { font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 2px; font-size: 1rem; color: #fff; margin: .3rem 0 1.6rem; }
.why-badge blockquote { font-family: 'Oswald', sans-serif; text-transform: uppercase; font-size: 1.3rem; color: #fff; letter-spacing: .5px; margin-bottom: .5rem; line-height: 1.25; }
.why-badge cite { color: var(--gold); font-style: normal; font-weight: 600; font-size: .78rem; letter-spacing: 1.5px; text-transform: uppercase; opacity: .9; }

/* ===== Gallery ===== */
.gallery-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.3rem; }
.gallery-item { position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4/3; margin: 0; }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s ease; }
.gallery-item:hover img { transform: scale(1.06); }
.gallery-caption {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 1.6rem 1rem .8rem; margin: 0;
  background: linear-gradient(transparent, rgba(11,26,44,.88));
  color: #fff; font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1px; font-size: .85rem;
}

/* ===== Reviews (sliding marquee) ===== */
.reviews-marquee {
  overflow: hidden; width: 100%;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}
.reviews-track { display: flex; width: max-content; animation: reviews-scroll 32s linear infinite; }
.reviews-marquee:hover .reviews-track { animation-play-state: paused; }
.review-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: 0 4px 14px rgba(18,37,63,.08);
  border: 1px solid rgba(18,37,63,.06); aspect-ratio: 5 / 4; width: 270px; flex: 0 0 auto; margin-right: 1.3rem;
  display: flex; align-items: flex-start; justify-content: center;
}
.review-card img { width: 100%; height: 100%; object-fit: contain; object-position: top center; display: block; }
.reviews-cta { text-align: center; margin-top: 2.5rem; }
.reviews-cta .btn-outline { color: var(--navy); border-color: var(--navy); }
.reviews-cta .btn-outline:hover { background: var(--navy); color: #fff; }

@keyframes reviews-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .reviews-track { animation: none; }
}

/* ===== Coverage chips (who we help) ===== */
.chips-grid { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }
.chip {
  display: flex; align-items: center; gap: .6rem; background: #fff; border: 1px solid rgba(18,37,63,.08);
  border-radius: 999px; padding: .8rem 1.4rem; box-shadow: 0 4px 14px rgba(18,37,63,.05); font-weight: 600; font-size: .95rem;
  color: var(--text);
}
.chip-icon { color: var(--gold-dark); font-size: 1.1rem; }

/* ===== Hours ===== */
.hours-card {
  display: grid; grid-template-columns: 1.3fr 1fr; gap: 0;
  max-width: 760px; margin: 0 auto; border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow); background: #fff;
}
.hours-list { list-style: none; padding: 1rem 2rem; }
.hours-list li { display: flex; justify-content: space-between; padding: .7rem 0; border-bottom: 1px solid rgba(18,37,63,.07); font-weight: 500; color: var(--text); }
.hours-list li:last-child { border-bottom: none; }
.hours-list li span:first-child { font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1px; }
.hours-list li span:last-child { color: var(--gold-dark); font-weight: 600; }
.hours-note { background: var(--navy); color: #fff; padding: 2rem; display: flex; flex-direction: column; justify-content: center; text-align: center; gap: .6rem; }
.hours-note p:first-child { font-family: 'Oswald', sans-serif; font-size: 1.2rem; text-transform: uppercase; }
.hours-note .btn { margin-top: .8rem; }

/* ===== Contact ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 2.5rem; align-items: start; }
.contact-left { display: flex; flex-direction: column; gap: 2.4rem; }
.contact-info { display: flex; flex-direction: column; gap: 1.4rem; }
.contact-block { border-left: 3px solid var(--gold); padding-left: 1.1rem; }
.contact-label { font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1.5px; font-size: .85rem; color: var(--gold-dark); display: block; margin-bottom: .3rem; }
.contact-block p { color: var(--text); font-size: 1.05rem; }
.contact-block a { color: var(--navy); font-weight: 600; }
.link-accent { color: var(--gold-dark) !important; font-weight: 600; font-size: .9rem; }
.contact-map {
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
  height: 560px; position: sticky; top: 96px;
}
.contact-map iframe { width: 100%; height: 100%; }

/* ===== Contact form ===== */
.contact-form-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); border-top: 4px solid var(--gold); padding: 2.2rem; }
.contact-form-card h3 { color: var(--navy); font-size: 1.35rem; margin-bottom: .5rem; }
.contact-form-intro { color: var(--muted); font-size: .92rem; margin-bottom: 1.6rem; }
.contact-form { display: flex; flex-direction: column; gap: 1.1rem; }
.form-row label {
  display: block; font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1px;
  font-size: .78rem; color: var(--gold-dark); margin-bottom: .4rem;
}
.form-row input, .form-row textarea {
  width: 100%; padding: .75rem .9rem; border: 1px solid rgba(18,37,63,.15); border-radius: 8px;
  font-family: 'Inter', sans-serif; font-size: .95rem; color: var(--text); background: #fff; transition: border-color .2s ease, box-shadow .2s ease;
}
.form-row input:focus, .form-row textarea:focus { outline: none; border-color: var(--gold-dark); box-shadow: 0 0 0 3px rgba(201,162,75,.18); }
.form-row textarea { resize: vertical; min-height: 100px; }
.form-row--split { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }

/* ===== Footer ===== */
.site-footer { background: #0b1a2c; color: #fff; padding-top: 3rem; }
.footer-inner { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 2rem; padding-bottom: 2.5rem; }
.footer-brand img { width: 56px; margin-bottom: 1rem; }
.footer-brand p { color: rgba(246,248,251,.65); font-size: .95rem; }
.footer-col h4 { text-transform: uppercase; color: var(--gold); letter-spacing: 2px; font-size: .85rem; margin-bottom: 1rem; }
.footer-col a, .footer-col p { display: block; color: rgba(246,248,251,.75); font-size: .95rem; margin-bottom: .5rem; transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid var(--line); padding: 1.3rem 0; }
.footer-bottom p { text-align: center; color: rgba(246,248,251,.5); font-size: .85rem; }

/* ===== Mobile call bar ===== */
.mobile-call-bar {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: var(--gold); color: var(--navy); text-align: center; padding: .9rem;
  font-family: 'Oswald', sans-serif; text-transform: uppercase; letter-spacing: 1px;
  font-weight: 600; box-shadow: 0 -4px 20px rgba(0,0,0,.3);
}

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .nav {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column;
    background: var(--navy); padding: 1.2rem; gap: 1rem; display: none; border-bottom: 1px solid var(--line);
  }
  .nav.open { display: flex; }
  .nav-toggle { display: flex; }
  .hero-inner { grid-template-columns: 1fr; text-align: center; padding: 3rem 0; }
  .hero-lead { margin-left: auto; margin-right: auto; }
  .hero-cta, .hero-badges { justify-content: center; }
  .hero-visual { order: -1; }
  .hero-visual img { max-width: 100%; }
  .trust-inner { grid-template-columns: repeat(2,1fr); }
  .trust-item:nth-child(2) { border-right: none; }
  .services-grid { grid-template-columns: repeat(2,1fr); }
  .why-inner, .contact-grid, .hours-card { grid-template-columns: 1fr; }
  .contact-map { position: static; height: 340px; }
  .why-badge { max-width: 420px; margin: 0 auto; aspect-ratio: auto; padding: 2.5rem 2rem; }
  .gallery-grid { grid-template-columns: 1fr 1fr; }
  .review-card { width: 220px; }
  .form-row--split { grid-template-columns: 1fr; }
  .contact-form-card { padding: 1.6rem; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .mobile-call-bar { display: block; }
  body { padding-bottom: 56px; }
}
@media (max-width: 560px) {
  .services-grid { grid-template-columns: 1fr; }
  .trust-inner { grid-template-columns: 1fr 1fr; }
  .gallery-grid { grid-template-columns: 1fr; }
  .review-card { width: 190px; }
  .footer-inner { grid-template-columns: 1fr; }
  .brand-name { font-size: 1.05rem; }
  .header-actions { gap: .6rem; }
  .lang-btn { padding: .32rem .5rem; font-size: .68rem; }
}