/* ============================================================
   MACOMB BENEFITS INSURANCE — Main Stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Rubik:wght@900&family=Montserrat:wght@400;600;700&display=swap');

/* ---- CSS Variables ---- */
:root {
  --navy:       #1B2F52;
  --navy-dark:  #0F1E36;
  --gold:       #C89A3A;
  --gold-light: #DEB96A;
  --white:      #FFFFFF;
  --off-white:  #F5F5F3;
  --light-gray: #E8E8E5;
  --mid-gray:   #888880;
  --text:       #222222;
  --font-h1:    'Rubik', sans-serif;
  --font-head:  'Montserrat', sans-serif;
  --font-body:  'Montserrat', sans-serif;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--text); background: var(--white); font-size: 16px; line-height: 1.7; font-weight: 400; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
h1 { font-family: var(--font-h1); font-weight: 900; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-nav {
  position: absolute;           /* overlays the hero */
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: transparent;      /* no navy box */
  box-shadow: none;             /* no shadow */
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 48px;
  height: 140px;                /* tall enough for 125px logo + breathing room */
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Nav logo enlarged to match hero logo (125px) */
.nav-logo-img {
  width: 125px;
  height: 125px;
  background: none !important;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
}

.nav-links a {
  color: rgba(255,255,255,0.90);
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: color 0.2s;
  text-shadow: 0 1px 4px rgba(0,0,0,0.5);
}

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

.nav-cta {
  background: none !important;
  color: var(--white) !important;
  padding: 10px 22px;
  font-size: 12.5px !important;
  font-weight: 700 !important;
  letter-spacing: 0.07em !important;
  transition: opacity 0.2s !important;
  text-shadow: none !important;
}

.nav-cta:hover { opacity: 0.75; }

/* ---- Hamburger button ---- */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  flex-shrink: 0;
}

.nav-hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

/* Animate to X when open */
.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); }

/* ============================================================
   HERO CAROUSEL
   ============================================================ */
.carousel {
  position: absolute;
  inset: 0;
}

.carousel-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 1s ease-in-out;
}

.carousel-slide.active { opacity: 1; }

.carousel-overlay {
  position: absolute;
  inset: 0;
  background: rgba(15, 30, 54, 0.55);
}

.carousel-dots {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 3;
}

.carousel-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.7);
  background: transparent;
  cursor: pointer;
  padding: 0;
  transition: background 0.2s, border-color 0.2s;
}

.carousel-dot.active {
  background: var(--gold);
  border-color: var(--gold);
}

/* ============================================================
   HERO BANNER
   ============================================================ */
.hero {
  position: relative;
  height: 500px;                /* taller to give room below nav */
  display: flex;
  align-items: flex-end;        /* anchor flex children to bottom half */
  justify-content: center;
  text-align: center;
  overflow: hidden;
  background: var(--navy-dark);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-color: var(--navy);
  background-image: url('images/hero-home.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.5;
}

.hero-content {
  position: absolute;
  top: 140px;                   /* starts right below nav */
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  color: var(--white);
  padding: 0 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;      /* vertically centers within the sub-nav space */
}

.hero-content h1 {
  font-family: var(--font-h1);
  font-size: clamp(24px, 3.8vw, 44px);
  font-weight: 900;
  line-height: 1.2;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  text-shadow: 0 2px 16px rgba(0,0,0,0.6);
  margin-bottom: 14px;
}

.hero-content .hero-sub {
  font-size: clamp(14px, 1.8vw, 19px);
  font-weight: 300;
  letter-spacing: 0.05em;
  opacity: 0.92;
  margin-bottom: 28px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 13px 30px;
  border: none;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
}

.btn:hover { background: var(--gold-light); color: var(--navy); }

/* ============================================================
   SECTIONS
   ============================================================ */
.section { padding: 72px 0; }
.section-alt { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 40px;
}

.container-narrow {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 40px;
}

.section-title {
  font-family: var(--font-head);
  font-size: clamp(16px, 2.2vw, 26px);
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.section-dark .section-title { color: var(--gold); }

.section-rule {
  width: 56px;
  height: 3px;
  background: var(--gold);
  margin: 0 auto 44px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 52px 0 0;
}

.footer-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 40px 40px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo-wrap {
  display: flex;
  align-items: center;
  gap: 14px;
}

/* Footer logo enlarged to 125px, no gold background */
.footer-logo-wrap img {
  width: 125px;
  height: 125px;
  background: none;
}

.footer-brand { font-size: 12px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--white); }

.footer-address { font-size: 14px; line-height: 2; }
.footer-address a { color: var(--gold); }
.footer-address a:hover { text-decoration: underline; }

/* Footer consultation link — plain text, no gold button */
.footer-consult-link {
  background: none;
  border: none;
  box-shadow: none;
  color: var(--gold);
  text-decoration: underline;
  padding: 0;
  font-size: 14px;
  font-weight: 700;
  font-family: var(--font-body);
  letter-spacing: 0.05em;
  display: inline;
  cursor: pointer;
  transition: opacity 0.2s;
}

.footer-consult-link:hover { opacity: 0.75; }

.footer-bottom {
  text-align: center;
  padding: 18px 40px;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
}

/* ============================================================
   HOME — Intro
   ============================================================ */
.intro-block {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.intro-block p {
  font-size: 16.5px;
  line-height: 1.85;
  color: #444;
  margin-bottom: 16px;
}

.stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3px;
  margin-top: 56px;
}

.stat-item {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 44px 20px;
}

.stat-number {
  font-family: var(--font-head);
  font-size: 46px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 10px;
}

.stat-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  opacity: 0.82;
}

/* ============================================================
   QUOTE SECTION
   ============================================================ */
.quote-layout {
  display: grid;
  grid-template-columns: 1fr;
  align-items: center;
}

.quote-left .quote-steps { flex-direction: column; gap: 28px; }

/* HOME — Quote steps */
.quote-steps {
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
  justify-content: center;
}

.quote-step {
  flex: 1;
  min-width: 240px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.step-num {
  width: 44px;
  height: 44px;
  min-width: 44px;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-text { font-size: 16px; line-height: 1.6; color: #444; padding-top: 8px; }

/* ============================================================
   CARRIERS
   ============================================================ */
.section-carriers {
  background: var(--light-gray);
}

.section-carriers .section-title { color: var(--navy); }

.carriers-row {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
  justify-content: center;
  margin-top: 36px;
}

.carrier-logo {
  height: 44px;
  width: auto;
  max-width: 140px;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.65;
  transition: filter 0.2s, opacity 0.2s;
}

.carrier-logo:hover {
  filter: grayscale(0%);
  opacity: 1;
}

.carrier-placeholder {
  height: 40px;
  padding: 0 20px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  color: rgba(255,255,255,0.5);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.testimonial {
  background: var(--white);
  border-left: 4px solid var(--gold);
  padding: 28px 28px 24px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}

.testimonial blockquote {
  font-size: 15.5px;
  font-style: italic;
  line-height: 1.75;
  color: #444;
  margin-bottom: 18px;
}

.testimonial cite {
  font-size: 12.5px;
  font-style: normal;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.testimonial cite span {
  display: block;
  font-weight: 400;
  color: var(--mid-gray);
  text-transform: none;
  letter-spacing: 0;
  font-size: 12px;
  margin-top: 3px;
}

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.process-list {
  display: flex;
  flex-direction: column;
  max-width: 720px;
  margin: 0 auto 0;
}

.process-item {
  display: flex;
  gap: 24px;
  padding: 24px 0;
  border-bottom: 1px solid var(--light-gray);
}

.process-item:last-child { border-bottom: none; }

.process-num {
  width: 44px;
  min-width: 44px;
  height: 44px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.process-item h3 {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 5px;
}

.process-item p { font-size: 15.5px; color: #555; }

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 3px;
  margin-top: 44px;
}

.coverage-item {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 36px 16px 28px;
  transition: background 0.2s;
}

.coverage-item:hover { background: var(--gold); }

.coverage-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.coverage-icon svg {
  width: 40px;
  height: 40px;
  fill: var(--gold);
  transition: fill 0.2s;
}

.coverage-item:hover .coverage-icon svg { fill: var(--white); }

.coverage-item h4 {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  line-height: 1.5;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about-text p { font-size: 16px; line-height: 1.85; color: #444; margin-bottom: 18px; }
.about-text p:last-child { margin-bottom: 0; }

.about-img-placeholder {
  background: var(--light-gray);
  aspect-ratio: 4/5;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  color: var(--mid-gray);
  font-weight: 600;
  letter-spacing: 0.05em;
  text-align: center;
  padding: 20px;
}

.differentiators {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.diff-item {
  padding: 28px;
  border: 1px solid var(--light-gray);
  border-top: 4px solid var(--navy);
}

.diff-item h3 {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 8px;
}

.diff-item p { font-size: 14.5px; color: #555; line-height: 1.65; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}

.contact-info h2 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.contact-detail {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 24px;
}

.contact-icon {
  width: 40px;
  min-width: 40px;
  height: 40px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
}

.contact-detail-text { font-size: 15px; line-height: 1.7; }

.contact-detail-text strong {
  display: block;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 2px;
}

.contact-detail-text a { color: var(--gold); }
.contact-detail-text a:hover { text-decoration: underline; }

.map-embed {
  width: 100%;
  height: 340px;
  background: var(--light-gray);
  border: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  color: var(--mid-gray);
}

/* ============================================================
   REQUEST CONSULTATION PAGE
   ============================================================ */
.quote-intro {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 52px;
}

.quote-intro p { font-size: 17px; line-height: 1.85; color: #444; }

.quote-process-steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 3px;
  margin-bottom: 60px;
}

.qps-item {
  background: var(--navy);
  color: var(--white);
  padding: 32px 16px;
  text-align: center;
}

.qps-num {
  font-family: var(--font-head);
  font-size: 36px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
}

.qps-item p { font-size: 13px; line-height: 1.5; opacity: 0.88; }

.contact-action {
  background: var(--off-white);
  border-left: 4px solid var(--gold);
  padding: 36px 40px;
  text-align: center;
  max-width: 520px;
  margin: 0 auto 60px;
}

.contact-action p { font-size: 17px; color: #444; line-height: 1.75; margin-bottom: 22px; }
.contact-action strong { color: var(--navy); }
.contact-action a { color: var(--gold); font-weight: 700; }
.contact-action a:hover { text-decoration: underline; }

/* ============================================================
   LOGO FIX
   ============================================================ */
.nav-logo-img,
.footer-logo-img {
  background: none;
}

/* ============================================================
   RESPONSIVE — 900px
   ============================================================ */
@media (max-width: 900px) {
  .site-nav { padding: 0 24px; }
  .nav-links { gap: 18px; }
  .coverage-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .about-cols { grid-template-columns: 1fr; gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; }
  .quote-process-steps { grid-template-columns: repeat(3, 1fr); }
  .differentiators { grid-template-columns: 1fr; }
  .quote-layout { grid-template-columns: 1fr; gap: 40px; }
}

/* ============================================================
   RESPONSIVE — 768px (tablet/mobile breakpoint)
   ============================================================ */
@media (max-width: 768px) {

  /* Nav — show hamburger, hide links by default */
  .site-nav {
    padding: 8px 20px;
    height: 100px;
    position: absolute;
  }

  .nav-hamburger {
    display: flex;
  }

  .nav-logo-img {
    width: 80px;
    height: 80px;
  }

  .nav-links {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    position: absolute;
    top: 100px;
    left: 0;
    right: 0;
    background: var(--navy-dark);   /* solid background only on mobile dropdown */
    padding: 8px 0 16px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.3);
    z-index: 99;
  }

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

  .nav-links li {
    width: 100%;
  }

  .nav-links a {
    display: block;
    padding: 14px 24px;
    font-size: 13px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    width: 100%;
  }

  .nav-links li:last-child a {
    margin: 12px 24px 0;
    width: calc(100% - 48px);
    text-align: center;
    border-bottom: none;
  }

  /* Hero */
  .hero {
    height: auto;
    min-height: 340px;
    padding: 60px 0 40px;
  }

  .hero-content {
    padding: 0 20px;
  }

  .hero-content {
    top: 100px;
  }

  .hero-content img {
    width: 80px !important;
    height: 80px !important;
    margin-bottom: 14px !important;
  }

  .hero-content h1 {
    font-size: clamp(22px, 6vw, 32px);
  }

  .hero-content .hero-sub {
    font-size: 14px;
    margin-bottom: 20px;
  }

  /* Sections */
  .section { padding: 48px 0; }
  .container,
  .container-narrow { padding: 0 20px; }

  .section-rule { margin-bottom: 32px; }

  /* Intro block */
  .intro-block p { font-size: 15.5px; }

  /* Stats */
  .stats-row { grid-template-columns: 1fr; gap: 3px; }

  /* Quote steps */
  .quote-steps {
    gap: 24px;
    flex-direction: column;
  }

  .quote-step {
    min-width: unset;
    width: 100%;
  }

  /* Coverage grid */
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }

  /* Testimonials */
  .testimonials-grid { grid-template-columns: 1fr; }

  /* Process list */
  .process-item { gap: 16px; }
  .process-item p { font-size: 14.5px; }

  /* Carriers */
  .carriers-row { gap: 16px; }
  .carrier-logo { height: 36px; }

  /* Footer */
  .footer-inner {
    flex-direction: column;
    align-items: flex-start;
    padding: 0 20px 32px;
    gap: 28px;
  }

  .footer-bottom {
    padding: 16px 20px;
    font-size: 11px;
    line-height: 1.6;
  }

  /* About */
  .about-cols { grid-template-columns: 1fr; gap: 32px; }
  .differentiators { grid-template-columns: 1fr; gap: 16px; }

  /* Contact */
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }

  /* Consultation */
  .quote-process-steps { grid-template-columns: repeat(2, 1fr); }
  .contact-action { padding: 24px 20px; }
  .contact-action p { font-size: 15px; }
}

/* ============================================================
   RESPONSIVE — 480px (small phones)
   ============================================================ */
@media (max-width: 480px) {

  .hero { min-height: 300px; }

  .hero-content h1 { font-size: clamp(20px, 7vw, 28px); }

  .coverage-grid { grid-template-columns: repeat(2, 1fr); }

  .btn {
    font-size: 12px;
    padding: 12px 22px;
  }

  .testimonial { padding: 20px 18px; }
  .testimonial blockquote { font-size: 14.5px; }

  .stat-number { font-size: 36px; }

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

  .footer-inner { gap: 20px; }

  .section-title { letter-spacing: 0.04em; }

  .nav-logo span {
    font-size: 11px;
    letter-spacing: 0.05em;
  }
}