/* ═══════════════════════════════════════════════════════════════════
   CRYSTALLUX INSURANCE NETWORK — Marketing Site
   Standalone brand (separate from Crystallux SaaS site at crystallux.org).
   Plain CSS, no build pipeline. Inter from Google Fonts.
   ═══════════════════════════════════════════════════════════════════ */

:root {
  --navy:        #1e3a8a;
  --navy-700:    #1d4ed8;
  --navy-50:     #eff6ff;
  --gold:        #fbbf24;
  --gold-50:     #fffbeb;
  --text:        #1f2937;
  --text-muted:  #6b7280;
  --text-soft:   #9ca3af;
  --bg:          #ffffff;
  --bg-soft:     #f9fafb;
  --bg-section:  #f3f4f6;
  --border:      #e5e7eb;
  --border-soft: #f3f4f6;
  --success:     #16a34a;
  --warning:     #d97706;
  --error:       #dc2626;
  --radius:      10px;
  --radius-lg:   16px;
  --shadow-sm:   0 1px 2px rgba(15, 23, 42, 0.06);
  --shadow:      0 4px 12px rgba(15, 23, 42, 0.08);
  --shadow-lg:   0 20px 40px rgba(15, 23, 42, 0.12);
  --container:   1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: color 0.15s; }
a:hover { color: var(--navy-700); }
button { font: inherit; cursor: pointer; }

/* Typography */
h1, h2, h3, h4 { font-weight: 700; line-height: 1.2; color: var(--text); margin: 0 0 0.4em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); letter-spacing: -0.015em; }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1em; }
.lead { font-size: 1.15rem; color: var(--text-muted); line-height: 1.6; }

/* Layout */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section--alt { background: var(--bg-soft); }
.section--navy { background: linear-gradient(135deg, var(--navy) 0%, #1e40af 100%); color: #fff; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.section--navy .lead { color: rgba(255,255,255,0.85); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 48px; }
.section-head .eyebrow { color: var(--gold); font-weight: 600; font-size: 0.85rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 12px; }

/* Grid utilities */
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

/* Header / Nav */
.site-header {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 100;
}
.nav { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.15rem; color: var(--text); }
.brand-mark {
  width: 36px; height: 36px; border-radius: 8px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.05rem;
}
.nav-links { display: flex; align-items: center; gap: 16px; flex-wrap: nowrap; }
.nav-links a { color: var(--text); font-weight: 500; font-size: 0.88rem; white-space: nowrap; }
.nav-links a:hover { color: var(--navy); }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.nav-toggle { display: none; background: none; border: 1px solid var(--border); border-radius: 8px; padding: 8px 10px; }
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--text); margin: 3px 0; }
@media (max-width: 1100px) {
  .nav-links { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; padding: 16px 24px; background: #fff; border-bottom: 1px solid var(--border); gap: 8px; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 0; border-bottom: 1px solid var(--border-soft); font-size: 0.95rem; }
  .nav-toggle { display: block; }
  .nav-cta .btn--ghost { display: none; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 20px; border-radius: var(--radius); font-weight: 600; font-size: 0.95rem;
  border: 1px solid transparent; transition: all 0.15s; cursor: pointer; text-align: center;
}
.btn--primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-700); border-color: var(--navy-700); color: #fff; }
.btn--gold { background: var(--gold); color: var(--text); border-color: var(--gold); }
.btn--gold:hover { background: #f59e0b; border-color: #f59e0b; }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--border); }
.btn--ghost:hover { background: var(--navy-50); color: var(--navy); }
.btn--white { background: #fff; color: var(--navy); border-color: #fff; }
.btn--white:hover { background: var(--bg-soft); color: var(--navy); }
.btn--lg { padding: 14px 28px; font-size: 1rem; }
.btn--sm { padding: 8px 14px; font-size: 0.85rem; }

/* Hero */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, var(--navy-50) 0%, var(--bg) 100%);
  padding: 80px 0 100px;
}
.hero-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: center; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }
.hero h1 { margin-bottom: 20px; }
.hero .lead { margin-bottom: 32px; max-width: 580px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 32px; }
.hero-trust { display: flex; gap: 24px; flex-wrap: wrap; font-size: 0.85rem; color: var(--text-muted); }
.hero-trust strong { color: var(--text); }
.hero-visual {
  background: #fff; border-radius: var(--radius-lg); padding: 28px;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border-soft);
}
.hero-card {
  display: flex; align-items: center; gap: 14px; padding: 14px;
  border-radius: 10px; background: var(--bg-soft); margin-bottom: 12px;
}
.hero-card-icon {
  width: 40px; height: 40px; border-radius: 8px; display: flex; align-items: center; justify-content: center;
  background: var(--navy); color: #fff; font-weight: 700;
}
.hero-card-text { flex: 1; }
.hero-card-text strong { display: block; font-size: 0.95rem; }
.hero-card-text span { font-size: 0.82rem; color: var(--text-muted); }

/* Feature cards */
.feature-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 28px; transition: all 0.2s;
}
.feature-card:hover { box-shadow: var(--shadow); border-color: var(--navy-50); transform: translateY(-2px); }
.feature-card .feature-icon {
  width: 48px; height: 48px; border-radius: 10px; display: flex; align-items: center; justify-content: center;
  background: var(--navy-50); color: var(--navy); margin-bottom: 16px;
}
.feature-card h3 { margin-bottom: 8px; }
.feature-card p { color: var(--text-muted); margin-bottom: 16px; font-size: 0.95rem; }
.feature-card a.feature-link { color: var(--navy); font-weight: 600; font-size: 0.9rem; }
.feature-card a.feature-link::after { content: ' →'; transition: margin 0.15s; }
.feature-card a.feature-link:hover::after { margin-left: 4px; }

/* Step cards */
.step-card { position: relative; padding: 28px; }
.step-num {
  position: absolute; top: 28px; right: 28px; font-size: 3rem; font-weight: 800;
  color: var(--navy-50); line-height: 1; letter-spacing: -0.05em;
}
.step-card h3 { position: relative; z-index: 1; margin-bottom: 8px; }
.step-card p { color: var(--text-muted); }

/* Trust badges */
.trust-row { display: flex; flex-wrap: wrap; gap: 16px; justify-content: center; }
.trust-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px; border: 1px solid var(--border); border-radius: 999px;
  background: #fff; font-size: 0.85rem; font-weight: 500; color: var(--text);
}
.trust-badge::before {
  content: '✓'; color: var(--success); font-weight: 700;
}

/* Carrier strip */
.carrier-strip {
  display: flex; flex-wrap: wrap; gap: 18px 36px; justify-content: center; align-items: center;
  padding: 32px 0; opacity: 0.85;
}
.carrier-name {
  font-weight: 600; font-size: 1.05rem; color: var(--text-muted); letter-spacing: 0.02em;
  padding: 8px 16px; border: 1px solid var(--border); border-radius: 6px; background: var(--bg-soft);
}

/* Comparison table */
.compare-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.compare-table thead { background: var(--navy-50); }
.compare-table th, .compare-table td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--border); }
.compare-table th { font-size: 0.85rem; font-weight: 600; color: var(--navy); text-transform: uppercase; letter-spacing: 0.05em; }
.compare-table td { font-size: 0.95rem; }
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:hover { background: var(--bg-soft); }
.compare-disclaimer { font-size: 0.82rem; color: var(--text-muted); margin-top: 12px; font-style: italic; }

/* FAQ */
.faq-item { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; padding: 18px 24px; background: none; border: none;
  font-weight: 600; font-size: 1rem; color: var(--text); display: flex; justify-content: space-between; align-items: center;
}
.faq-q::after { content: '+'; color: var(--navy); font-size: 1.4rem; font-weight: 400; transition: transform 0.2s; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 24px 20px; color: var(--text-muted); }
.faq-item.open .faq-a { display: block; }

/* Forms */
.form-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 32px; box-shadow: var(--shadow-sm);
}
.form-row { display: grid; gap: 16px; margin-bottom: 16px; }
.form-row--two { grid-template-columns: 1fr 1fr; }
@media (max-width: 600px) { .form-row--two { grid-template-columns: 1fr; } }
.form-field label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 11px 14px; border: 1px solid var(--border); border-radius: 8px;
  font-family: inherit; font-size: 0.95rem; color: var(--text); background: #fff; transition: border-color 0.15s;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(30, 58, 138, 0.1);
}
.form-field textarea { min-height: 96px; resize: vertical; }
.form-consent { font-size: 0.82rem; color: var(--text-muted); margin: 12px 0 20px; }
.form-consent input { margin-right: 8px; }
.form-status { font-size: 0.9rem; margin-top: 12px; min-height: 1.2em; }
.form-status.success { color: var(--success); }
.form-status.error { color: var(--error); }

/* Hero CTA section */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #1e40af 100%); color: #fff;
  border-radius: var(--radius-lg); padding: 56px; text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,0.85); max-width: 580px; margin: 0 auto 28px; }

/* Footer */
.site-footer {
  background: #0f172a; color: #cbd5e1; padding: 56px 0 32px; font-size: 0.92rem;
}
.site-footer h4 { color: #fff; font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; }
.site-footer a { color: #cbd5e1; display: block; padding: 4px 0; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-grid > div:first-child { grid-column: 1 / -1; } }
.footer-brand p { color: #94a3b8; font-size: 0.88rem; max-width: 320px; }
.footer-bottom {
  border-top: 1px solid #1e293b; padding-top: 24px;
  display: flex; flex-wrap: wrap; gap: 16px; justify-content: space-between; align-items: center;
  font-size: 0.82rem; color: #94a3b8;
}
.footer-disclosure { background: #1e293b; padding: 16px 20px; border-radius: 10px; font-size: 0.8rem; color: #cbd5e1; margin-bottom: 32px; line-height: 1.55; }

/* Misc */
.text-center { text-align: center; }
.eyebrow { color: var(--gold); font-weight: 600; font-size: 0.85rem; letter-spacing: 0.1em; text-transform: uppercase; }
.pill { display: inline-block; padding: 4px 10px; border-radius: 999px; font-size: 0.78rem; font-weight: 600; }
.pill--navy { background: var(--navy-50); color: var(--navy); }
.pill--gold { background: var(--gold-50); color: #92400e; }
.disclaimer-note { font-size: 0.85rem; color: var(--text-muted); padding: 14px 18px; background: var(--bg-soft); border-left: 3px solid var(--gold); border-radius: 6px; margin: 24px 0; }
.list-check { list-style: none; padding: 0; margin: 0; }
.list-check li { padding-left: 28px; position: relative; margin-bottom: 12px; }
.list-check li::before {
  content: '✓'; position: absolute; left: 0; top: 0;
  width: 20px; height: 20px; border-radius: 50%; background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 0.75rem; font-weight: 700;
}

/* Cookie banner */
.cookie-banner {
  position: fixed; bottom: 16px; left: 16px; right: 16px; max-width: 540px; margin: 0 auto;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 18px 22px; box-shadow: var(--shadow-lg); z-index: 200; display: none;
}
.cookie-banner.show { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.cookie-banner p { margin: 0; font-size: 0.85rem; color: var(--text-muted); flex: 1; min-width: 220px; }