/* Contract Works Insurance Broker — Global Styles */
/* Color Palette: Navy #1a2744 | White #ffffff | Green #00b894 */

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

:root {
  --navy: #1a2744;
  --navy-light: #243352;
  --navy-dark: #111b2e;
  --green: #00b894;
  --green-dark: #00a381;
  --green-light: #e6f9f4;
  --white: #ffffff;
  --off-white: #f8f9fa;
  --grey-light: #e9ecef;
  --grey: #6c757d;
  --grey-dark: #495057;
  --text: #2d3436;
  --text-light: #636e72;
  --border: #dee2e6;
  --shadow: 0 2px 8px rgba(26, 39, 68, 0.08);
  --shadow-lg: 0 8px 24px rgba(26, 39, 68, 0.12);
  --radius: 6px;
  --radius-lg: 12px;
  --max-width: 1200px;
  --transition: 0.2s ease;
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
}

img { max-width: 100%; height: auto; }
a { color: var(--green-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy); }

h1, h2, h3, h4, h5, h6 {
  color: var(--navy);
  line-height: 1.3;
  font-weight: 700;
}

h1 { font-size: 2.4rem; margin-bottom: 1rem; }
h2 { font-size: 1.8rem; margin-top: 2.5rem; margin-bottom: 1rem; }
h3 { font-size: 1.35rem; margin-top: 2rem; margin-bottom: 0.75rem; }
h4 { font-size: 1.1rem; margin-top: 1.5rem; margin-bottom: 0.5rem; }

p { margin-bottom: 1.2rem; }
ul, ol { margin-bottom: 1.2rem; padding-left: 1.5rem; }
li { margin-bottom: 0.4rem; }

/* ---------- HEADER ---------- */
.site-header {
  background: var(--navy);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-lg);
}

.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 70px;
}

.site-logo {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  text-decoration: none;
  line-height: 1.2;
}

.site-logo span { color: var(--green); }

.header-phone {
  color: var(--white);
  font-size: 0.9rem;
  opacity: 0.9;
  text-decoration: none;
  display: none;
}

.header-phone:hover { opacity: 1; color: var(--white); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 0.5rem;
}

.main-nav { display: flex; align-items: center; gap: 0.25rem; }
.main-nav a {
  color: rgba(255,255,255,0.85);
  padding: 0.5rem 0.75rem;
  font-size: 0.9rem;
  border-radius: var(--radius);
  transition: all var(--transition);
  white-space: nowrap;
}

.main-nav a:hover { color: var(--white); background: rgba(255,255,255,0.1); }

.btn-quote {
  display: inline-block;
  background: var(--green);
  color: var(--white) !important;
  padding: 0.6rem 1.4rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition);
  text-align: center;
}

.btn-quote:hover { background: var(--green-dark); color: var(--white); transform: translateY(-1px); }

/* ---------- HERO ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 4rem 1.5rem;
  text-align: center;
}

.hero-inner {
  max-width: 800px;
  margin: 0 auto;
}

.hero h1 { color: var(--white); font-size: 2.6rem; margin-bottom: 1.2rem; }
.hero p { font-size: 1.15rem; opacity: 0.9; margin-bottom: 2rem; max-width: 640px; margin-left: auto; margin-right: auto; }
.hero .btn-quote { font-size: 1.1rem; padding: 0.8rem 2rem; }

/* ---------- CONTENT ---------- */
.content-wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 3rem 1.5rem;
}

.content-narrow {
  max-width: 820px;
  margin: 0 auto;
}

/* ---------- BREADCRUMB ---------- */
.breadcrumb {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 1rem 1.5rem 0;
  font-size: 0.85rem;
  color: var(--grey);
}

.breadcrumb a { color: var(--grey); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb span { margin: 0 0.4rem; }

/* ---------- CARDS ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin: 2rem 0;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
}

.card:hover { box-shadow: var(--shadow-lg); border-color: var(--green); }
.card h3 { margin-top: 0; color: var(--navy); }
.card p { color: var(--text-light); font-size: 0.95rem; }
.card a { font-weight: 600; }

/* ---------- FAQ ACCORDION ---------- */
.faq-section { margin: 2.5rem 0; }
.faq-section h2 { margin-bottom: 1.5rem; }

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  background: var(--off-white);
  border: none;
  padding: 1.1rem 1.5rem;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background var(--transition);
  font-family: inherit;
  line-height: 1.4;
}

.faq-question:hover { background: var(--grey-light); }
.faq-question::after { content: "+"; font-size: 1.3rem; font-weight: 400; color: var(--green); flex-shrink: 0; margin-left: 1rem; }
.faq-item.open .faq-question::after { content: "-"; }
.faq-item.open .faq-question { background: var(--green-light); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-answer-inner { padding: 1.2rem 1.5rem; color: var(--text); line-height: 1.7; }
.faq-answer-inner p:last-child { margin-bottom: 0; }

/* ---------- COMPARISON TABLE ---------- */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  font-size: 0.95rem;
}

.compare-table th {
  background: var(--navy);
  color: var(--white);
  padding: 1rem;
  text-align: left;
  font-weight: 600;
}

.compare-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}

.compare-table tr:nth-child(even) td { background: var(--off-white); }
.compare-table tr:hover td { background: var(--green-light); }

/* ---------- CTA BANNER ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 3rem 1.5rem;
  text-align: center;
  border-radius: var(--radius-lg);
  margin: 3rem 0;
}

.cta-banner h2 { color: var(--white); margin-top: 0; }
.cta-banner p { opacity: 0.9; max-width: 600px; margin-left: auto; margin-right: auto; }

/* ---------- RELATED PAGES ---------- */
.related-pages {
  background: var(--off-white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  margin: 3rem 0;
}

.related-pages h3 { margin-top: 0; }
.related-pages ul { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 0.75rem; }
.related-pages li a {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 0.5rem 1rem;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 500;
  transition: all var(--transition);
}

.related-pages li a:hover { border-color: var(--green); background: var(--green-light); }

/* ---------- CONTACT FORM ---------- */
.contact-form { max-width: 640px; margin: 2rem 0; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: var(--navy);
  font-size: 0.95rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  transition: border-color var(--transition);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 184, 148, 0.15);
}

.form-group textarea { min-height: 120px; resize: vertical; }

.btn-submit {
  background: var(--green);
  color: var(--white);
  border: none;
  padding: 0.85rem 2.5rem;
  font-size: 1.05rem;
  font-weight: 600;
  border-radius: var(--radius);
  cursor: pointer;
  transition: all var(--transition);
  font-family: inherit;
}

.btn-submit:hover { background: var(--green-dark); transform: translateY(-1px); }

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 3rem 1.5rem 1.5rem;
  font-size: 0.9rem;
  line-height: 1.6;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
}

.footer-col h4 { color: var(--white); font-size: 1rem; margin-bottom: 1rem; margin-top: 0; }
.footer-col a { color: rgba(255,255,255,0.7); display: block; margin-bottom: 0.4rem; }
.footer-col a:hover { color: var(--green); }
.footer-col p { margin-bottom: 0.5rem; }

.footer-bottom {
  max-width: var(--max-width);
  margin: 2rem auto 0;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
}

.footer-disclaimer {
  max-width: var(--max-width);
  margin: 1.5rem auto 0;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  text-align: center;
  line-height: 1.5;
}

/* ---------- KEY POINTS / HIGHLIGHT ---------- */
.key-point {
  background: var(--green-light);
  border-left: 4px solid var(--green);
  padding: 1.2rem 1.5rem;
  margin: 1.5rem 0;
  border-radius: 0 var(--radius) var(--radius) 0;
}

.key-point p { margin-bottom: 0; }

/* ---------- STATS ROW ---------- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.5rem;
  margin: 2rem 0;
  text-align: center;
}

.stat-item {
  padding: 1.5rem;
}

.stat-number {
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--green);
  display: block;
}

.stat-label {
  font-size: 0.9rem;
  color: var(--grey);
  margin-top: 0.3rem;
}

/* ---------- MOBILE RESPONSIVE ---------- */
@media (max-width: 768px) {
  html { font-size: 15px; }
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }
  .hero { padding: 3rem 1.25rem; }
  .hero h1 { font-size: 2rem; }
  .content-wrap { padding: 2rem 1.25rem; }

  .nav-toggle { display: block; }

  .main-nav {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 1rem;
    border-top: 1px solid rgba(255,255,255,0.1);
    box-shadow: var(--shadow-lg);
  }

  .main-nav.open { display: flex; }
  .main-nav a { padding: 0.75rem 1rem; width: 100%; }
  .header-phone { display: none; }

  .compare-table { font-size: 0.85rem; }
  .compare-table th, .compare-table td { padding: 0.6rem; }

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

@media (min-width: 769px) {
  .header-phone { display: block; }
}

@media (min-width: 1024px) {
  h1 { font-size: 2.6rem; }
  .hero h1 { font-size: 3rem; }
  .hero { padding: 5rem 1.5rem; }
}

/* ---------- UTILITY ---------- */
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }
.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: 1rem; }
.mb-2 { margin-bottom: 2rem; }