/* ==========================================================================
   Janak Bhagat and Associates — main stylesheet
   ========================================================================== */

:root {
  --color-navy-950: #0a1f33;
  --color-navy-900: #0d2b47;
  --color-navy-800: #123a5e;
  --color-navy-700: #184c78;
  --color-navy-600: #205f96;
  --color-blue-500: #2b7cc7;
  --color-blue-100: #e6f0fa;
  --color-gold-500: #c99b3f;
  --color-gold-400: #dcb464;
  --color-gold-100: #faf3e4;
  --color-ink: #1b2733;
  --color-ink-soft: #47566a;
  --color-body: #4b5b6e;
  --color-line: #dde5ee;
  --color-surface: #ffffff;
  --color-surface-alt: #f4f8fc;
  --color-success: #1d7a4c;

  --font-head: "Poppins", "Segoe UI", Arial, sans-serif;
  --font-body: "Inter", "Segoe UI", Arial, sans-serif;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 3px rgba(10, 31, 51, 0.08);
  --shadow-md: 0 8px 24px rgba(10, 31, 51, 0.10);
  --shadow-lg: 0 20px 45px rgba(10, 31, 51, 0.16);

  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--color-body);
  background: var(--color-surface);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--color-ink);
  line-height: 1.25;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2rem, 3.4vw, 2.85rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 600; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
a { color: var(--color-blue-500); }
img { max-width: 100%; display: block; }
ul, ol { padding-left: 1.2em; }
li { margin-bottom: 0.4em; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 72px 0; }
.section--tight { padding: 48px 0; }
.section--alt { background: var(--color-surface-alt); }
.section--navy {
  background: linear-gradient(155deg, var(--color-navy-950), var(--color-navy-800));
  color: #cfe0f0;
}
.section--navy h2, .section--navy h3 { color: #fff; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-gold-500);
  margin-bottom: 12px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 2px;
  background: var(--color-gold-500);
  display: inline-block;
}

.section-head { max-width: 680px; margin-bottom: 40px; }
.section-head p { color: var(--color-ink-soft); }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 26px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: var(--color-gold-500);
  color: var(--color-navy-950);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--color-gold-400); box-shadow: var(--shadow-md); }
.btn-ghost {
  background: transparent;
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}
.btn-ghost:hover { background: rgba(255,255,255,0.12); }
.btn-outline {
  background: transparent;
  border-color: var(--color-navy-700);
  color: var(--color-navy-700);
}
.btn-outline:hover { background: var(--color-navy-700); color: #fff; }
.btn-block { width: 100%; justify-content: center; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--color-line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--color-ink);
}
.brand-mark {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}
.brand-text { line-height: 1.15; }
.brand-name {
  display: block;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-navy-900);
}
.brand-tag {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-gold-500);
  font-weight: 600;
}

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  font-family: var(--font-head);
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--color-ink-soft);
  text-decoration: none;
  padding: 10px 14px;
  border-radius: 8px;
  transition: background 0.15s ease, color 0.15s ease;
}
.main-nav a:hover,
.main-nav a[aria-current="page"] {
  color: var(--color-navy-900);
  background: var(--color-blue-100);
}

.header-actions { display: flex; align-items: center; gap: 10px; }
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-line);
  border-radius: 8px;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  display: block;
  width: 20px;
  height: 2px;
  background: var(--color-ink);
  position: relative;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after { position: absolute; top: 6px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--color-navy-950) 0%, var(--color-navy-800) 55%, var(--color-navy-700) 100%);
  color: #dce8f4;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 85% 20%, rgba(201,155,63,0.20), transparent 45%),
    radial-gradient(circle at 10% 90%, rgba(43,124,199,0.25), transparent 45%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  padding: 96px 0 80px;
}
.hero h1 { color: #fff; margin-bottom: 18px; }
.hero-lede { font-size: 1.08rem; color: #c3d6e8; max-width: 46ch; margin-bottom: 32px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-stats {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255,255,255,0.16);
  padding-top: 24px;
}
.hero-stat strong {
  display: block;
  font-family: var(--font-head);
  font-size: 1.6rem;
  color: #fff;
}
.hero-stat span { font-size: 0.82rem; color: #9fb6cc; }

.hero-panel {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(4px);
}
.hero-panel h3 { color: #fff; }
.hero-panel-list { list-style: none; margin: 0; padding: 0; }
.hero-panel-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.10);
  color: #c9dbec;
  font-size: 0.92rem;
}
.hero-panel-list li:last-child { border-bottom: none; }
.hero-panel-list svg { flex-shrink: 0; margin-top: 2px; color: var(--color-gold-400); }

/* ---------- Cards / Grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--color-blue-100);
  color: var(--color-navy-700);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { margin-bottom: 12px; font-size: 0.94rem; }
.card-link {
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.88rem;
  text-decoration: none;
  color: var(--color-navy-700);
}
.card-link:hover { color: var(--color-gold-500); }

.product-card { border-top: 3px solid var(--color-gold-500); }

/* ---------- Steps / process ---------- */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: step;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.steps li {
  counter-increment: step;
  position: relative;
  background: var(--color-surface);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-md);
  padding: 26px 20px 20px;
}
.steps li::before {
  content: counter(step);
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--color-gold-500);
  font-size: 1.6rem;
  display: block;
  margin-bottom: 10px;
}
.steps h4 { margin: 0 0 6px; font-size: 1rem; }
.steps p { font-size: 0.88rem; margin: 0; }

/* ---------- Team ---------- */
.team-card {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 26px;
  background: var(--color-surface);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-md);
}
.team-avatar {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: var(--color-navy-800);
  color: var(--color-gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.team-card h3 { margin-bottom: 2px; }
.team-role { font-size: 0.82rem; color: var(--color-gold-500); font-weight: 600; margin-bottom: 10px; display: block; }
.team-card p { font-size: 0.92rem; margin-bottom: 0; }

/* ---------- Accordion (claim procedures / FAQ) ---------- */
.accordion { border-top: 1px solid var(--color-line); }
.accordion-item { border-bottom: 1px solid var(--color-line); }
.accordion-trigger {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 4px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-ink);
  cursor: pointer;
}
.accordion-trigger .plus {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--color-line);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.accordion-trigger .plus::before,
.accordion-trigger .plus::after {
  content: "";
  position: absolute;
  background: var(--color-navy-700);
  transition: transform 0.2s ease;
}
.accordion-trigger .plus::before { width: 10px; height: 2px; }
.accordion-trigger .plus::after { width: 2px; height: 10px; }
.accordion-item.is-open .accordion-trigger .plus::after { transform: rotate(90deg); opacity: 0; }
.accordion-item.is-open .accordion-trigger { color: var(--color-navy-800); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.accordion-panel-inner { padding: 0 4px 22px; font-size: 0.94rem; }
.accordion-panel-inner ul { margin: 0; }
.accordion-panel-inner li { margin-bottom: 8px; }

/* ---------- Tables (product listings) ---------- */
.policy-list {
  columns: 2;
  column-gap: 40px;
  list-style: none;
  padding: 0;
  margin: 0;
}
.policy-list li {
  break-inside: avoid;
  display: flex;
  gap: 10px;
  align-items: baseline;
  padding: 8px 0;
  border-bottom: 1px dashed var(--color-line);
  font-size: 0.92rem;
  color: var(--color-ink-soft);
}
.policy-list li::before { content: "\2713"; color: var(--color-success); font-weight: 700; flex-shrink: 0; }
.policy-list .tag {
  font-size: 0.72rem;
  color: var(--color-navy-700);
  background: var(--color-blue-100);
  padding: 1px 8px;
  border-radius: 999px;
  margin-left: auto;
  white-space: nowrap;
}
.policy-list .tag.tag-updated { background: var(--color-gold-100); color: #8a6314; }

.insurer-block { margin-bottom: 44px; }
.insurer-block-head {
  display: flex;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--color-navy-800);
}
.insurer-block-head h3 { margin: 0; }
.insurer-block-head span { font-size: 0.8rem; color: var(--color-ink-soft); }

/* ---------- Notice / callout ---------- */
.callout {
  background: var(--color-gold-100);
  border: 1px solid #ecd9ae;
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: 0.92rem;
  color: #6a4e17;
  margin-bottom: 32px;
}
.callout strong { color: #4d3810; }

/* ---------- Forms ---------- */
.form-grid { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-family: var(--font-head);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-ink);
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--color-line);
  background: var(--color-surface);
  color: var(--color-ink);
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--color-blue-500);
  box-shadow: 0 0 0 3px var(--color-blue-100);
}
.form-note { font-size: 0.8rem; color: var(--color-ink-soft); margin-top: 6px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 44px; }
.contact-info-card {
  background: var(--color-navy-950);
  color: #cfe0f0;
  border-radius: var(--radius-lg);
  padding: 34px;
}
.contact-info-card h3 { color: #fff; }
.contact-line {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 0.92rem;
}
.contact-line:last-child { border-bottom: none; }
.contact-line svg { flex-shrink: 0; color: var(--color-gold-400); margin-top: 2px; }
.contact-line a { color: #dce8f4; text-decoration: none; }
.contact-line a:hover { color: var(--color-gold-400); }

/* ---------- Login card ---------- */
.login-wrap {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 64px 24px;
}
.login-card {
  width: 100%;
  max-width: 420px;
  background: var(--color-surface);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 40px 36px;
}
.login-card .brand-mark { margin: 0 auto 18px; }
.login-card h1 { font-size: 1.5rem; text-align: center; }
.login-card > p { text-align: center; font-size: 0.9rem; margin-bottom: 28px; }
.login-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: var(--color-gold-100);
  color: #8a6314;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 18px;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--color-navy-950);
  color: #9fb6cc;
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.footer-brand .brand-name,
.footer-brand .brand-tag { color: #fff; }
.footer-brand .brand-tag { color: var(--color-gold-400); }
.footer-about { font-size: 0.88rem; margin-top: 14px; max-width: 34ch; }
.footer-col h4 {
  color: #fff;
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: #9fb6cc; text-decoration: none; font-size: 0.9rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  padding-top: 24px;
  font-size: 0.8rem;
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.badge-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 8px;
}
.badge {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-navy-700);
  background: var(--color-blue-100);
  padding: 6px 14px;
  border-radius: 999px;
}

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; padding-top: 56px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .policy-list { columns: 1; }
}

@media (max-width: 720px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .header-actions .btn-outline span.long { display: none; }
  .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .hero-inner { padding: 40px 0 48px; }
  .hero-stats { gap: 20px; }
}

body.nav-open .main-nav {
  display: flex;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  flex-direction: column;
  background: #fff;
  border-bottom: 1px solid var(--color-line);
  padding: 8px 16px 16px;
  box-shadow: var(--shadow-md);
}
body.nav-open .main-nav a { padding: 12px 8px; }