/* ============================================================
   DC Insurance Agency — Shared Stylesheet
   Brand: Deep Navy | Sky Teal | Red Accent | White
   ============================================================ */

/* ---------- Google Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* ---------- CSS Custom Properties ---------- */
:root {
  --navy:       #0B1F3A;
  --navy-light: #122847;
  --teal:       #1A9BC3;
  --sky:        #29ABE2;
  --sky-light:  #E8F6FD;
  --red:        #E53935;
  --red-light:  #FFEBEE;
  --white:      #FFFFFF;
  --off-white:  #F4F7FB;
  --gray-light: #E2E8F0;
  --gray:       #64748B;
  --gray-dark:  #334155;
  --text:       #1A2744;

  --font-head: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', system-ui, sans-serif;

  --radius:    10px;
  --radius-lg: 18px;
  --shadow:    0 4px 24px rgba(11,31,58,0.10);
  --shadow-lg: 0 8px 40px rgba(11,31,58,0.16);

  --transition: 0.25s ease;
  --max-width:  1140px;
}

/* ---------- Reset ---------- */
*, *::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(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-head);
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p  { font-size: 1.05rem; color: var(--gray-dark); line-height: 1.75; }

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.75rem;
}

/* ---------- Layout Helpers ---------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section { padding: 5rem 0; }
.section-sm { padding: 3.5rem 0; }
.text-center { text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--sky);
  color: var(--white);
  border-color: var(--sky);
}
.btn-primary:hover {
  background: var(--teal);
  border-color: var(--teal);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(41,171,226,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-dark {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-dark:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(11,31,58,0.3);
}
.btn-red {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-red:hover {
  background: #c62828;
  border-color: #c62828;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(229,57,53,0.35);
}
.btn-lg { padding: 1.05rem 2.5rem; font-size: 1.1rem; }

/* ---------- Navigation ---------- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(0,0,0,0.25);
  transition: background var(--transition);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-head);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.01em;
}
.nav-logo span { color: var(--sky); }
.nav-logo-mark {
  width: 40px; height: 40px;
  background: var(--sky);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--white);
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links a {
  color: rgba(255,255,255,0.82);
  font-size: 0.95rem;
  font-weight: 500;
  transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 2px;
  background: var(--sky);
  transform: scaleX(0);
  transition: transform var(--transition);
  border-radius: 2px;
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); }
.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }
.nav-cta { margin-left: 0.5rem; }

/* ---------- Nav Dropdown ---------- */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle { display: flex; align-items: center; gap: 0.3rem; cursor: pointer; }
.nav-arrow {
  font-size: 0.7rem;
  transition: transform var(--transition);
  display: inline-block;
  line-height: 1;
}
.nav-dropdown:hover .nav-arrow,
.nav-dropdown.open .nav-arrow { transform: rotate(180deg); }
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--navy-light);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 8px;
  padding: 0.5rem 0;
  min-width: 190px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.35);
  z-index: 200;
  list-style: none;
  margin: 0;
}
.nav-dropdown-menu::before {
  content: '';
  position: absolute;
  top: -6px; left: 50%;
  transform: translateX(-50%);
  border-left: 6px solid transparent;
  border-right: 6px solid transparent;
  border-bottom: 6px solid rgba(255,255,255,0.1);
}
.nav-dropdown-menu li { margin: 0; padding: 0; }
.nav-dropdown-menu li:first-child { border-bottom: 1px solid rgba(255,255,255,0.1); margin-bottom: 0.25rem; padding-bottom: 0.25rem; }
.nav-dropdown-menu a {
  display: block;
  padding: 0.45rem 1.1rem;
  color: rgba(255,255,255,0.82);
  font-size: 0.9rem;
  font-weight: 500;
  white-space: nowrap;
  transition: color var(--transition), background var(--transition);
}
.nav-dropdown-menu a::after { display: none !important; }
.nav-dropdown-menu a:hover { color: var(--sky); background: rgba(255,255,255,0.05); }
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu { display: block; }

/* Mobile dropdown */
.nav-mobile-section-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--sky);
  padding: 0.6rem 0 0.2rem;
  border-bottom: none !important;
}
.nav-mobile-indent {
  padding-left: 0.75rem !important;
  font-size: 0.95rem !important;
}

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.nav-mobile {
  display: none;
  flex-direction: column;
  background: var(--navy-light);
  padding: 1rem 1.5rem 1.5rem;
  gap: 1rem;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.nav-mobile a {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  font-weight: 500;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color var(--transition);
}
.nav-mobile a:hover { color: var(--sky); }
.nav-mobile .btn { margin-top: 0.5rem; text-align: center; justify-content: center; }
.nav-mobile.open { display: flex; }

/* ---------- WhatsApp Float Button ---------- */
.whatsapp-float {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 999;
  width: 54px; height: 54px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.45);
  font-size: 1.5rem;
  color: var(--white);
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
}
.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 24px rgba(37,211,102,0.55);
}

/* ---------- Social Links ---------- */
.social-links { display: flex; gap: 0.75rem; margin-top: 1rem; }
.social-link {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  transition: transform var(--transition), opacity var(--transition);
  text-decoration: none;
  color: var(--white);
}
.social-link:hover { transform: translateY(-3px); opacity: 0.85; }
.social-link.fb { background: #1877F2; }
.social-link.ig { background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285AEB 90%); }
.social-link.li { background: #0A66C2; }

/* ---------- Hours Table ---------- */
.hours-table { width: 100%; font-size: 0.88rem; }
.hours-table tr td { padding: 0.3rem 0; color: rgba(255,255,255,0.72); }
.hours-table tr td:first-child { color: rgba(255,255,255,0.5); width: 40px; }
.hours-table tr.today td { color: var(--sky); font-weight: 600; }

/* ---------- Google Rating Badge ---------- */
.google-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: 100px;
  padding: 0.4rem 1rem 0.4rem 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  box-shadow: var(--shadow);
}
.google-badge .g-icon {
  width: 28px; height: 28px;
  background: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem;
  font-weight: 800;
  color: #4285F4;
  border: 1px solid #e0e0e0;
}
.google-badge .stars { color: #f59e0b; letter-spacing: -1px; }

/* ---------- Footer ---------- */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 3.5rem 0 1.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand p {
  color: rgba(255,255,255,0.6);
  font-size: 0.95rem;
  margin-top: 1rem;
  max-width: 320px;
}
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul li a {
  color: rgba(255,255,255,0.6);
  font-size: 0.92rem;
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--sky); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
}
.footer-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  margin-top: 0.5rem;
  line-height: 1.5;
}

/* ---------- Hero (dark bg) ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0d2a4d 60%, #0e3260 100%);
  padding: 9rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(41,171,226,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(26,155,195,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content { position: relative; z-index: 1; }
.hero h1 { color: var(--white); margin-bottom: 0.5rem; font-size: clamp(1.7rem, 3.5vw, 2.6rem); }
.hero h1 em { font-style: normal; color: var(--sky); }
.hero-tagline { font-size: 1.35rem; font-style: italic; color: var(--sky); margin-bottom: 1.1rem; font-family: var(--font-head); font-weight: 600; }
.hero p {
  color: rgba(255,255,255,0.78);
  font-size: 1.15rem;
  max-width: 620px;
  margin-bottom: 2.25rem;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 2rem;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
}
.card-icon.teal { background: var(--sky-light); color: var(--teal); }
.card-icon.navy { background: rgba(11,31,58,0.08); color: var(--navy); }
.card-icon.red  { background: var(--red-light); color: var(--red); }

/* ---------- 3-column grid ---------- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.75rem;
}

/* ---------- Section Divider ---------- */
.divider {
  width: 56px; height: 4px;
  background: var(--sky);
  border-radius: 2px;
  margin: 1rem auto 1.5rem;
}
.divider-left { margin-left: 0; }

/* ---------- Comparison Table ---------- */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.compare-table thead tr { background: var(--navy); }
.compare-table thead th {
  padding: 1rem 1.25rem;
  color: var(--white);
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 600;
  text-align: left;
}
.compare-table thead th:first-child { width: 35%; }
.compare-table tbody tr:nth-child(odd) { background: var(--off-white); }
.compare-table tbody tr:nth-child(even) { background: var(--white); }
.compare-table tbody td {
  padding: 0.9rem 1.25rem;
  font-size: 0.95rem;
  color: var(--gray-dark);
  border-bottom: 1px solid var(--gray-light);
}
.compare-table tbody td:first-child { font-weight: 600; color: var(--navy); }
.check { color: #16a34a; font-weight: 700; }
.cross { color: var(--red); font-weight: 700; }
.neutral { color: var(--gray); }

/* ---------- Testimonial ---------- */
.testimonial-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-family: var(--font-head);
  font-size: 5rem;
  color: var(--sky);
  opacity: 0.4;
  position: absolute;
  top: 0.5rem; left: 1.5rem;
  line-height: 1;
}
.testimonial-card p {
  color: rgba(255,255,255,0.88);
  font-size: 1.05rem;
  font-style: italic;
  line-height: 1.75;
  padding-top: 1rem;
}
.testimonial-card .author {
  margin-top: 1.25rem;
  font-style: normal;
  font-weight: 600;
  color: var(--sky);
  font-size: 0.95rem;
}

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 2.5rem;
  align-items: flex-start;
}
.step-num {
  flex-shrink: 0;
  width: 48px; height: 48px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 1.2rem;
  font-weight: 700;
  counter-increment: step;
}
.step-body h3 { margin-bottom: 0.4rem; font-size: 1.15rem; }
.step-body p { font-size: 0.97rem; }

/* ---------- Badge ---------- */
.badge {
  display: inline-block;
  padding: 0.25rem 0.75rem;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.badge-teal { background: var(--sky-light); color: var(--teal); }
.badge-red  { background: var(--red-light); color: var(--red); }
.badge-navy { background: rgba(11,31,58,0.08); color: var(--navy); }

/* ---------- Stats Bar ---------- */
.stats-bar {
  background: var(--sky);
  padding: 2.5rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-num {
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--white);
  display: block;
}
.stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.85);
  margin-top: 0.25rem;
  display: block;
}

/* ---------- Money pages / long-form content ---------- */
.content-narrow { max-width: 780px; margin: 0 auto; }
.content-narrow h2 { margin-top: 2.5rem; margin-bottom: 0.75rem; }
.content-narrow h3 { margin-top: 1.75rem; margin-bottom: 0.5rem; color: var(--navy); font-size: 1.1rem; }
.content-narrow p { margin-bottom: 1.1rem; line-height: 1.75; }
.content-narrow ul { margin-bottom: 1.1rem; line-height: 1.9; }
.content-narrow a { color: var(--teal); }
.content-narrow a:hover { color: var(--sky); }

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #112c52 100%);
  padding: 7.5rem 0 4rem;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero p  { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 580px; margin: 0 auto; }

/* ---------- Highlight Box ---------- */
.highlight-box {
  border-left: 4px solid var(--sky);
  background: var(--sky-light);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}
.highlight-box p { font-size: 0.97rem; color: var(--navy); }

/* ---------- Tag List ---------- */
.tag-list { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem; }
.tag {
  background: var(--sky-light);
  color: var(--teal);
  border-radius: 100px;
  padding: 0.3rem 0.9rem;
  font-size: 0.82rem;
  font-weight: 600;
}

/* ---------- Who We Help Cards ---------- */
.who-help-card {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  text-decoration: none;
  color: inherit;
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}
.who-help-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: var(--sky);
}
.who-help-card i {
  font-size: 1.4rem;
  color: var(--sky);
  margin-bottom: 0.25rem;
}
.who-help-card h3 {
  font-size: 1.05rem;
  color: var(--navy);
  margin: 0;
}
.who-help-card p {
  font-size: 0.9rem;
  color: var(--gray);
  margin: 0;
  line-height: 1.55;
}

/* ---------- CTA Section ---------- */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, #0d2a4d 100%);
  padding: 5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 400px;
  background: radial-gradient(ellipse, rgba(41,171,226,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.cta-section h2 { color: var(--white); margin-bottom: 1rem; }
.cta-section p  { color: rgba(255,255,255,0.72); max-width: 560px; margin: 0 auto 2rem; font-size: 1.05rem; }
.cta-btns { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* ---------- Contact Form ---------- */
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 2px solid var(--gray-light);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(41,171,226,0.15);
}
.form-group textarea { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-note {
  font-size: 0.82rem;
  color: var(--gray);
  margin-top: 0.75rem;
  line-height: 1.5;
}

/* ---------- Alert / Success ---------- */
.form-success {
  display: none;
  background: #dcfce7;
  border: 1px solid #86efac;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  color: #15803d;
  font-weight: 600;
  margin-top: 1rem;
}

/* ---------- Who-I-Help Chips ---------- */
.who-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
.who-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.who-item:hover {
  border-color: var(--sky);
  box-shadow: 0 2px 12px rgba(41,171,226,0.12);
}
.who-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}
.who-item h4 { font-size: 1rem; margin-bottom: 0.15rem; }
.who-item p  { font-size: 0.87rem; color: var(--gray); }

/* ---------- Service Lane Card ---------- */
.lane-card {
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  border: 2px solid transparent;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.lane-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}
.lane-card.aca::before   { background: var(--teal); }
.lane-card.ppo::before   { background: var(--sky); }
.lane-card.emp::before   { background: var(--gray); }
.lane-card { background: var(--white); box-shadow: var(--shadow); }
.lane-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.lane-badge {
  display: inline-block;
  padding: 0.3rem 0.8rem;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.lane-badge.aca { background: rgba(26,155,195,0.12); color: var(--teal); }
.lane-badge.ppo { background: rgba(41,171,226,0.12); color: #1278a8; }
.lane-badge.emp { background: rgba(100,116,139,0.1); color: var(--gray-dark); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .stats-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .who-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .compare-table { font-size: 0.85rem; }
  .compare-table thead th, .compare-table tbody td { padding: 0.7rem 0.75rem; }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .hero { padding: 7rem 0 4rem; }
  .section { padding: 3.5rem 0; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { justify-content: center; }
  .cta-btns { flex-direction: column; align-items: center; }
}
@media (max-width: 480px) {
  .page-hero { padding: 6rem 0 3rem; }
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }
}