/* Spartan Insurance - Modern, Bold, Conversion-Focused Styles */
:root {
  --red: #E30613;
  --red-dark: #B8050F;
  --red-light: #FF1A2A;
  --black: #0A0A0A;
  --black-soft: #141414;
  --dark: #1C1C1C;
  --gray: #2A2A2A;
  --gray-mid: #6B6B6B;
  --gray-light: #E8E8E8;
  --off-white: #F7F7F7;
  --white: #FFFFFF;
  --success: #10B981;
  --font-heading: 'Montserrat', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;
  --shadow: 0 10px 40px rgba(0,0,0,0.12);
  --shadow-lg: 0 25px 60px rgba(0,0,0,0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--black);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

ul {
  list-style: none;
}

/* ========== TYPOGRAPHY ========== */
h1, h2, h3, h4, h5 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.4rem, 5.5vw, 3.75rem); }
h2 { font-size: clamp(1.9rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.35rem, 2.5vw, 1.65rem); }
h4 { font-size: 1.2rem; }

.lead {
  font-size: 1.2rem;
  color: var(--gray-mid);
  max-width: 640px;
}

.text-red { color: var(--red); }
.text-white { color: var(--white); }

/* ========== LAYOUT ========== */
.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 5rem 0;
}

.section-dark {
  background: var(--black);
  color: var(--white);
}

.section-alt {
  background: var(--off-white);
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.section-header .eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--red);
  margin-bottom: 0.75rem;
}

.section-header h2 {
  margin-bottom: 1rem;
}

.section-header p {
  max-width: 580px;
  margin: 0 auto;
  color: var(--gray-mid);
}

/* ========== BUTTONS ========== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.95rem 1.85rem;
  border-radius: 50px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: var(--red);
  color: var(--white);
  box-shadow: 0 4px 20px rgba(227, 6, 19, 0.35);
}

.btn-primary:hover {
  background: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(227, 6, 19, 0.45);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}

.btn-secondary:hover {
  background: var(--white);
  color: var(--black);
}

.btn-outline {
  background: transparent;
  color: var(--black);
  border-color: var(--black);
}

.btn-outline:hover {
  background: var(--black);
  color: var(--white);
}

.btn-white {
  background: var(--white);
  color: var(--black);
}

.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
}

.btn-lg {
  padding: 1.15rem 2.25rem;
  font-size: 1.05rem;
}

.btn-block {
  width: 100%;
}

/* ========== HEADER / NAV ========== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(10, 10, 10, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: 0 4px 30px rgba(0,0,0,0.25);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.logo img {
  height: 48px;
  width: auto;
}

.logo-text {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--white);
  letter-spacing: 0.03em;
}

.logo-text span {
  color: var(--red);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-links a {
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  font-size: 0.95rem;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
}

.nav-cta {
  margin-left: 0.5rem;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.6rem;
  cursor: pointer;
  padding: 0.25rem;
}

/* ========== HERO ========== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--black);
  padding-top: 76px;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: 
    radial-gradient(ellipse 80% 50% at 70% 20%, rgba(227, 6, 19, 0.18) 0%, transparent 50%),
    radial-gradient(ellipse 60% 40% at 10% 80%, rgba(227, 6, 19, 0.08) 0%, transparent 40%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(227, 6, 19, 0.15);
  color: var(--red-light);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.4rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.5rem;
  border: 1px solid rgba(227, 6, 19, 0.3);
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
}

.hero h1 .highlight {
  color: var(--red);
}

.hero .lead {
  color: rgba(255,255,255,0.75);
  margin-bottom: 2rem;
  font-size: 1.15rem;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 1.75rem;
  align-items: center;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  font-weight: 500;
}

.trust-item svg {
  width: 20px;
  height: 20px;
  color: var(--red);
  flex-shrink: 0;
}

.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-logo-wrap {
  background: var(--white);
  border-radius: 50%;
  padding: 2.5rem;
  box-shadow: 0 0 0 12px rgba(227, 6, 19, 0.15), 0 0 80px rgba(227, 6, 19, 0.25);
  animation: pulse-glow 4s ease-in-out infinite;
}

.hero-logo-wrap img {
  width: 220px;
  height: 220px;
  object-fit: contain;
}

@keyframes pulse-glow {
  0%, 100% { box-shadow: 0 0 0 12px rgba(227, 6, 19, 0.15), 0 0 80px rgba(227, 6, 19, 0.25); }
  50% { box-shadow: 0 0 0 18px rgba(227, 6, 19, 0.2), 0 0 100px rgba(227, 6, 19, 0.35); }
}

/* ========== STATS BAR ========== */
.stats-bar {
  background: var(--red);
  padding: 2.25rem 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  text-align: center;
}

.stat-item h3 {
  font-size: 2.1rem;
  color: var(--white);
  margin-bottom: 0.25rem;
}

.stat-item p {
  color: rgba(255,255,255,0.9);
  font-size: 0.9rem;
  font-weight: 500;
}

/* ========== PRODUCTS ========== */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.75rem;
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.product-icon {
  width: 56px;
  height: 56px;
  background: rgba(227, 6, 19, 0.1);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--red);
  font-size: 1.5rem;
}

.product-card h3 {
  margin-bottom: 0.75rem;
  color: var(--black);
}

.product-card p {
  color: var(--gray-mid);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.product-features {
  margin-bottom: 1.5rem;
}

.product-features li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.9rem;
  color: var(--dark);
  margin-bottom: 0.45rem;
}

.product-features li::before {
  content: '✓';
  color: var(--red);
  font-weight: 700;
  flex-shrink: 0;
}

.product-card .btn {
  margin-top: auto;
  align-self: flex-start;
}

/* ========== WHY US ========== */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.why-content h2 {
  margin-bottom: 1.25rem;
}

.why-content .lead {
  margin-bottom: 2rem;
}

.why-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.why-icon {
  width: 42px;
  height: 42px;
  background: var(--red);
  color: var(--white);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-weight: 700;
  font-size: 1.1rem;
}

.why-item h4 {
  margin-bottom: 0.25rem;
}

.why-item p {
  font-size: 0.95rem;
  color: var(--gray-mid);
}

.why-visual {
  background: var(--black);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
}

.why-visual h3 {
  margin-bottom: 1.5rem;
  font-size: 1.4rem;
}

.compare-row {
  display: flex;
  justify-content: space-between;
  padding: 0.9rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 0.95rem;
}

.compare-row:last-child {
  border-bottom: none;
}

.compare-row .bad {
  color: #F87171;
  text-decoration: line-through;
  opacity: 0.7;
}

.compare-row .good {
  color: #34D399;
  font-weight: 600;
}

/* ========== PROCESS ========== */
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}

.process-step {
  text-align: center;
  position: relative;
  padding: 0 1rem;
}

.step-number {
  width: 64px;
  height: 64px;
  background: var(--red);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.5rem;
  margin: 0 auto 1.5rem;
  box-shadow: 0 8px 25px rgba(227, 6, 19, 0.35);
}

.process-step h3 {
  margin-bottom: 0.75rem;
}

.process-step p {
  color: var(--gray-mid);
  font-size: 0.95rem;
}

/* ========== TESTIMONIALS ========== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.75rem;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--gray-light);
  box-shadow: 0 4px 20px rgba(0,0,0,0.04);
}

.stars {
  color: #F59E0B;
  font-size: 1.1rem;
  margin-bottom: 1rem;
  letter-spacing: 2px;
}

.testimonial-card p {
  font-size: 1.05rem;
  color: var(--dark);
  margin-bottom: 1.5rem;
  font-style: italic;
  line-height: 1.55;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.author-avatar {
  width: 48px;
  height: 48px;
  background: var(--red);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1rem;
}

.author-info strong {
  display: block;
  font-size: 0.95rem;
}

.author-info span {
  font-size: 0.85rem;
  color: var(--gray-mid);
}

/* ========== CTA BANNER ========== */
.cta-banner {
  background: linear-gradient(135deg, var(--black) 0%, var(--dark) 100%);
  border-radius: var(--radius-lg);
  padding: 3.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(227, 6, 19, 0.25) 0%, transparent 70%);
  pointer-events: none;
}

.cta-banner h2 {
  color: var(--white);
  margin-bottom: 1rem;
  position: relative;
}

.cta-banner p {
  color: rgba(255,255,255,0.75);
  max-width: 520px;
  margin: 0 auto 2rem;
  position: relative;
}

.cta-banner .btn {
  position: relative;
}

/* ========== FAQ ========== */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--gray-light);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.35rem 0;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--black);
  cursor: pointer;
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--red);
}

.faq-question .icon {
  font-size: 1.4rem;
  color: var(--red);
  transition: var(--transition);
  flex-shrink: 0;
  margin-left: 1rem;
}

.faq-item.active .faq-question .icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-item.active .faq-answer {
  max-height: 300px;
}

.faq-answer-inner {
  padding-bottom: 1.35rem;
  color: var(--gray-mid);
  font-size: 0.98rem;
  line-height: 1.65;
}

/* ========== QUOTE FORM SECTION ========== */
.quote-section {
  background: var(--off-white);
}

.quote-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 3.5rem;
  align-items: start;
}

.quote-info h2 {
  margin-bottom: 1rem;
}

.quote-info .lead {
  margin-bottom: 2rem;
}

.quote-benefits {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.quote-benefit {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 500;
}

.quote-benefit svg {
  width: 22px;
  height: 22px;
  color: var(--red);
  flex-shrink: 0;
}

.quote-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow);
}

.quote-form-card h3 {
  margin-bottom: 0.5rem;
  text-align: center;
}

.quote-form-card .form-sub {
  text-align: center;
  color: var(--gray-mid);
  font-size: 0.9rem;
  margin-bottom: 1.75rem;
}

.form-group {
  margin-bottom: 1.15rem;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 0.4rem;
  color: var(--dark);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--gray-light);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 1rem;
  transition: var(--transition);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(227, 6, 19, 0.12);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-note {
  font-size: 0.8rem;
  color: var(--gray-mid);
  text-align: center;
  margin-top: 1rem;
}

/* ========== FOOTER ========== */
.footer {
  background: var(--black);
  color: rgba(255,255,255,0.75);
  padding: 4rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}

.footer-brand .logo-text {
  margin-bottom: 1rem;
  display: inline-block;
}

.footer-brand p {
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 1.5rem;
  max-width: 280px;
}

.footer h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 1.25rem;
  letter-spacing: 0.02em;
}

.footer-links li {
  margin-bottom: 0.65rem;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.85rem;
}

.footer-disclaimer {
  max-width: 700px;
  font-size: 0.8rem;
  line-height: 1.5;
  opacity: 0.7;
}

/* ========== MOBILE ========== */
@media (max-width: 960px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero-visual {
    order: -1;
  }

  .hero-logo-wrap img {
    width: 160px;
    height: 160px;
  }

  .hero-ctas {
    justify-content: center;
  }

  .hero-trust {
    justify-content: center;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .why-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .process-steps {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .quote-wrapper {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    background: var(--black);
    flex-direction: column;
    padding: 1.5rem;
    gap: 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }

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

  .nav-links a {
    padding: 0.9rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    width: 100%;
    text-align: center;
  }

  .nav-cta {
    margin: 1rem 0 0;
    width: 100%;
  }

  .mobile-toggle {
    display: block;
  }
}

@media (max-width: 600px) {
  .section {
    padding: 3.5rem 0;
  }

  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .cta-banner {
    padding: 2.5rem 1.5rem;
  }

  .hero-ctas {
    flex-direction: column;
    align-items: stretch;
  }

  .btn {
    width: 100%;
  }
}

/* Utility */
.hidden { display: none !important; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mb-2 { margin-bottom: 1rem; }
.text-center { text-align: center; }