/* Valincius Insurance, brand stylesheet */
:root{
  --navy:#0E2240;
  --navy-deep:#081831;
  --navy-soft:#16305a;
  --silver:#CED2D6;
  --silver-light:#EAECEF;
  --gold:#C8A24C;
  --gold-dark:#b08c39;
  --ink:#1b2735;
  --ink-soft:#4a5666;
  --bg:#ffffff;
  --bg-alt:#f6f8fb;
  --line:#e2e7ee;
  --ok:#1f7a4d;
  --radius:14px;
  --shadow:0 10px 30px rgba(14,34,64,.10);
  --shadow-sm:0 4px 14px rgba(14,34,64,.08);
  --maxw:1120px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--ink);
  line-height:1.6;font-size:17px;background:var(--bg);-webkit-font-smoothing:antialiased;
}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.1rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.section{padding:72px 0}
.section.alt{background:var(--bg-alt)}
.center{text-align:center}
.lead{font-size:1.18rem;color:var(--ink-soft);max-width:720px}
.center .lead{margin-left:auto;margin-right:auto}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.82rem;font-weight:700;color:var(--gold-dark);margin-bottom:.6rem}

/* Buttons */
.btn{display:inline-block;padding:15px 30px;border-radius:999px;font-weight:700;font-size:1.02rem;cursor:pointer;border:2px solid transparent;transition:.18s;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-gold:hover{background:var(--gold-dark);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-lg{padding:17px 38px;font-size:1.08rem}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:46px;height:46px;border-radius:50%;background:var(--navy)}
.brand .name{color:#fff;font-weight:700;font-size:1.22rem;letter-spacing:.01em}
.brand .name span{color:var(--silver);font-weight:400;display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;margin-top:1px}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a{color:var(--silver-light);font-weight:600;font-size:.98rem}
.nav-links a:hover{color:#fff}
.nav-links .btn{color:var(--navy-deep)}
.nav-tel{color:#fff!important;font-weight:700}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-160px;top:-120px;width:520px;height:520px;border:1px solid rgba(206,210,214,.14);border-radius:50%}
.hero:before{content:"";position:absolute;right:-40px;bottom:-200px;width:380px;height:380px;border:1px solid rgba(206,210,214,.10);border-radius:50%}
.hero .wrap{position:relative;z-index:2;padding-top:78px;padding-bottom:82px;max-width:820px}
.hero h1{color:#fff}
.hero p{color:var(--silver-light);font-size:1.22rem;max-width:640px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.trust-badges{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;color:var(--silver);font-size:.95rem}
.trust-badges b{color:#fff}

/* Cards */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);transition:.18s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#cfd8e6}
.card .ico{width:52px;height:52px;border-radius:12px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:16px}
.card h3{margin-bottom:.4rem}
.card p{color:var(--ink-soft);font-size:.98rem;margin-bottom:1rem}
.card a.more{color:var(--navy);font-weight:700;font-size:.95rem}
.card a.more:hover{color:var(--gold-dark)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.step{position:relative;padding-left:0}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy-deep);font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:1.15rem}
.step h3{margin-bottom:.3rem}
.step p{color:var(--ink-soft);font-size:.98rem}

/* Feature list */
.checklist{list-style:none;padding:0;margin:0}
.checklist li{position:relative;padding:8px 0 8px 34px;color:var(--ink)}
.checklist li:before{content:"✓";position:absolute;left:0;top:8px;color:var(--ok);font-weight:800;background:#e7f4ec;width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.8rem}

/* Split */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;border-radius:20px;padding:46px;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:var(--silver-light);max-width:620px;margin:0 auto 22px}

/* Form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.92rem;margin:14px 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy)}
.consent{font-size:.82rem;color:var(--ink-soft);margin-top:14px;line-height:1.5}
.hp{position:absolute;left:-9999px}

/* Footer */
.site-footer{background:var(--navy-deep);color:var(--silver);padding:56px 0 28px;font-size:.94rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:34px}
.site-footer .brand .name{font-size:1.1rem}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 14px}
.site-footer a{color:var(--silver);display:block;margin-bottom:8px}
.site-footer a:hover{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.8rem;color:#8c98ab;line-height:1.6}
.disclaimer p{margin:0 0 10px}
.legal-bar{margin-top:16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.8rem;color:#8c98ab}

/* Breadcrumb / page hero */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;padding:56px 0}
.page-hero h1{color:#fff;margin-bottom:.4rem}
.page-hero p{color:var(--silver-light);max-width:680px;margin:0}
.crumb{font-size:.85rem;color:var(--silver);margin-bottom:14px}
.crumb a{color:var(--silver)}

.faq details{border:1px solid var(--line);border-radius:12px;padding:4px 20px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--gold-dark);font-size:1.3rem;line-height:1}
.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--ink-soft);padding-bottom:8px}

@media(max-width:860px){
  .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:var(--navy);flex-direction:column;padding:18px 22px;gap:16px;box-shadow:0 12px 20px rgba(0,0,0,.25)}
  .nav-links.open{display:flex}
  .menu-toggle{display:block}
  .grid-3,.grid-2,.steps,.foot-grid{grid-template-columns:1fr}
  .split{grid-template-columns:1fr;gap:28px}
  .form-row{grid-template-columns:1fr}
  .section{padding:52px 0}
  .cta-band{padding:34px 22px}
}

/* Hero two-column with photo */
.hero .hero-grid{max-width:var(--maxw);display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero-copy{min-width:0}
.hero-photo img{width:100%;height:auto;display:block;border-radius:18px;box-shadow:0 20px 45px rgba(0,0,0,.30);border:1px solid rgba(206,210,214,.22)}
@media(max-width:860px){.hero .hero-grid{grid-template-columns:1fr;gap:26px}.hero-photo img{height:auto}}

/* White header + brand logo */
.site-header{background:#fff;color:var(--ink);box-shadow:0 1px 0 var(--line),0 6px 20px rgba(14,34,64,.06)}
.brand img{height:44px;width:auto;max-width:72vw;border-radius:0;background:none}
.nav-links a{color:var(--navy)}
.nav-links a:hover{color:var(--gold-dark)}
.nav-tel{color:var(--navy)!important}
.menu-toggle{color:var(--navy)}
.site-footer .brand img{height:40px;width:auto}
@media(max-width:860px){.nav-links{background:#fff;box-shadow:0 12px 20px rgba(14,34,64,.12)}.brand img{height:38px}}

/* Nav spacing fix */
.brand img{height:40px;width:auto;max-width:60vw}
.nav-links{gap:20px}
.nav-links a{font-size:.94rem}
@media(max-width:1024px){
  .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 22px;gap:16px;box-shadow:0 14px 22px rgba(14,34,64,.14)}
  .nav-links.open{display:flex}
  .menu-toggle{display:block}
}

/* Hero copy sizing */
.hero .hero-grid{grid-template-columns:1.15fr .85fr}
.hero-copy h1{font-size:clamp(2rem,3.3vw,2.7rem);line-height:1.14}

/* Responsive fixes (last) */
@media(max-width:860px){
  .hero .hero-grid{grid-template-columns:1fr;gap:24px}
  .hero-copy h1{font-size:clamp(1.85rem,7vw,2.4rem)}
  .section{padding:48px 0}
  .cta-band{padding:32px 20px}
  .trust-badges{gap:16px;font-size:.9rem}
}
@media(max-width:520px){
  .hero-copy .cta-row{flex-direction:column}
  .hero-copy .cta-row .btn{width:100%}
  .form-card{padding:22px}
}

.card .ico svg{display:block}

/* Consent checkbox */
.consent-check{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--ink-soft);line-height:1.5;margin-top:14px;cursor:pointer}
.consent-check input[type=checkbox]{width:18px;height:18px;flex:0 0 auto;margin-top:2px}

/* About section */
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:center}
.about-photo img{width:100%;max-width:380px;border-radius:16px;box-shadow:var(--shadow);border:1px solid var(--line)}
.about-stats{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 22px}
.about-stats span{background:var(--bg-alt);border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-size:.85rem;font-weight:600;color:var(--navy)}
@media(max-width:860px){.about-grid{grid-template-columns:1fr;gap:24px}.about-photo img{max-width:320px;margin:0 auto}}