/* Secure Life Coverage homepage styles (recreated from securelife-quote.com). Loaded only by /index.html. */
@font-face{font-family:'DM Sans';font-style:normal;font-weight:300 600;font-display:swap;src:url(fonts/dm-sans-latin.woff2) format('woff2')}
@font-face{font-family:'Playfair Display';font-style:normal;font-weight:400 700;font-display:swap;src:url(fonts/playfair-display-latin.woff2) format('woff2')}
:root {
  --navy:#0f2d5e; --navy-light:#1a3f7a; --green:#2e8b47; --green-light:#3aad5b;
  --green-pale:#e8f5ec; --cream:#f9f7f4; --white:#fff; --gray:#6b7280; --dark:#111827;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--dark);background:var(--white);overflow-x:hidden}

/* TOP BAR */
.top-bar{
  position:fixed;top:0;left:0;right:0;z-index:1001;
  background:var(--navy);height:34px;
  display:flex;align-items:center;justify-content:center;gap:2rem;
}
.top-bar-item{display:flex;align-items:center;gap:0.45rem;color:rgba(255,255,255,0.82);font-size:0.76rem;font-weight:500;letter-spacing:0.03em;white-space:nowrap}
.top-bar-divider{width:1px;height:14px;background:rgba(255,255,255,0.2)}

/* NAV */
nav{
  position:fixed;top:34px;left:0;right:0;z-index:1000;
  background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(0,0,0,0.06);
  padding:0 2.5rem;
  display:flex;align-items:center;justify-content:space-between;
  height:74px;transition:box-shadow 0.3s;
}
nav.scrolled{box-shadow:0 4px 24px rgba(0,0,0,0.1)}
.nav-logo img{height:54px;width:auto;display:block}
.nav-links{display:flex;gap:2rem;list-style:none}
.nav-links a{text-decoration:none;color:var(--navy);font-weight:500;font-size:0.92rem;transition:color 0.2s}
.nav-links a:hover{color:var(--green)}
.nav-right{display:flex;align-items:center;gap:1.2rem}
.nav-phone{color:var(--navy);font-weight:600;font-size:0.9rem;text-decoration:none}
.nav-phone:hover{color:var(--green)}
.nav-cta{background:var(--green);color:#fff;padding:0.6rem 1.4rem;border-radius:50px;text-decoration:none;font-weight:600;font-size:0.9rem;transition:all 0.2s;white-space:nowrap}
.nav-cta:hover{background:var(--green-light);transform:translateY(-1px)}
.nav-mobile-toggle{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px}
.nav-mobile-toggle span{display:block;width:24px;height:2px;background:var(--navy);border-radius:2px}
.mobile-menu{display:none}

/* HERO */
.hero{min-height:100vh;display:grid;grid-template-columns:1fr 1fr;padding-top:108px;overflow:hidden;position:relative}
.hero-left{display:flex;flex-direction:column;justify-content:center;padding:5rem 3rem 5rem 6rem;background:var(--cream);position:relative;z-index:2}
.hero-badge{display:inline-flex;align-items:center;gap:0.5rem;background:var(--green-pale);color:var(--green);padding:0.4rem 1rem;border-radius:50px;font-size:0.82rem;font-weight:600;letter-spacing:0.05em;text-transform:uppercase;margin-bottom:1.5rem;width:fit-content}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,4vw,3.6rem);font-weight:700;line-height:1.15;color:var(--navy);margin-bottom:1.2rem}
.hero h1 em{font-style:normal;color:var(--green)}
.hero-sub{font-size:1.05rem;color:var(--gray);line-height:1.7;max-width:480px;margin-bottom:2.5rem}
.hero-buttons{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:3rem}
.btn-primary{background:var(--green);color:#fff;padding:0.9rem 2rem;border-radius:50px;text-decoration:none;font-weight:600;font-size:1rem;transition:all 0.25s;box-shadow:0 4px 16px rgba(46,139,71,0.3);display:inline-block}
.btn-primary:hover{background:var(--green-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(46,139,71,0.4)}
.btn-outline{background:transparent;color:var(--navy);padding:0.9rem 2rem;border-radius:50px;text-decoration:none;font-weight:600;font-size:1rem;border:2px solid var(--navy);transition:all 0.25s;display:inline-block}
.btn-outline:hover{background:var(--navy);color:#fff}
.hero-stats{display:flex;gap:2rem}
.stat-num{font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;color:var(--navy)}
.stat-label{font-size:0.82rem;color:var(--gray);font-weight:500}
.hero-right{position:relative;overflow:hidden;background:#c9dce8}
.hero-right img{width:100%;height:100%;object-fit:cover;display:block}
.hero-right-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(15,45,94,0.1) 0%,transparent 100%)}
.hero-card{position:absolute;bottom:2.5rem;left:2rem;background:#fff;border-radius:16px;padding:1.2rem 1.6rem;box-shadow:0 20px 60px rgba(0,0,0,0.15);display:flex;align-items:center;gap:1rem;animation:float 3s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.hero-card-icon{font-size:2rem}
.hero-card-text p{font-size:0.78rem;color:var(--gray)}
.hero-card-text strong{font-size:1rem;color:var(--navy);font-weight:700;display:block}

/* TRUST BAR */
.trust-bar{background:var(--navy);padding:1.4rem 4rem;display:flex;align-items:center;justify-content:center;gap:3rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:0.7rem;color:rgba(255,255,255,0.85);font-size:0.9rem;font-weight:500}

/* SECTIONS */
section{padding:6rem 4rem}
.section-tag{display:inline-block;color:var(--green);font-size:0.8rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:0.8rem}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(2rem,3.5vw,2.8rem);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:1rem}
.section-sub{font-size:1.05rem;color:var(--gray);line-height:1.7;max-width:600px}
.text-center{text-align:center}
.text-center .section-sub{margin:0 auto}

/* ABOUT */
.about{background:var(--white);display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.about-img-wrap{position:relative}
.about-img-wrap img{width:100%;border-radius:24px;object-fit:cover;height:520px;box-shadow:0 24px 60px rgba(0,0,0,0.12);background:#c9dce8}
.about-badge-block{position:absolute;bottom:-1.5rem;right:-1.5rem;background:var(--green);color:#fff;padding:1.4rem 1.8rem;border-radius:16px;text-align:center;box-shadow:0 12px 32px rgba(46,139,71,0.35)}
.about-badge-block strong{font-size:2rem;font-family:'Playfair Display',serif;display:block}
.about-badge-block span{font-size:0.82rem;opacity:0.9}
.about-content{padding:1rem 0}
.about-bullets{list-style:none;margin:1.5rem 0 2rem;display:flex;flex-direction:column;gap:0.9rem}
.about-bullets li{display:flex;align-items:flex-start;gap:0.8rem;font-size:0.95rem;line-height:1.5;color:#374151}
.check{width:22px;height:22px;border-radius:50%;background:var(--green-pale);display:inline-flex;align-items:center;justify-content:center;color:var(--green);font-size:0.75rem;flex-shrink:0;margin-top:1px;font-weight:700}
.npn-badge{display:inline-flex;align-items:center;gap:0.5rem;background:#f3f4f6;border:1px solid #e5e7eb;color:#374151;padding:0.5rem 1rem;border-radius:8px;font-size:0.82rem;font-weight:600;margin-bottom:1.5rem}

/* SERVICES */
.services{background:var(--cream)}
.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;margin-top:3.5rem}
.service-card{background:#fff;border-radius:20px;padding:2.2rem;border:1px solid rgba(0,0,0,0.05);transition:all 0.3s;position:relative;overflow:hidden}
.service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--green),var(--green-light));transform:scaleX(0);transform-origin:left;transition:transform 0.3s}
.service-card:hover{transform:translateY(-6px);box-shadow:0 24px 60px rgba(0,0,0,0.1)}
.service-card:hover::before{transform:scaleX(1)}
.service-icon{font-size:2.4rem;margin-bottom:1rem}
.service-card h3{font-family:'Playfair Display',serif;font-size:1.25rem;font-weight:600;color:var(--navy);margin-bottom:0.7rem}
.service-card p{font-size:0.92rem;color:var(--gray);line-height:1.65}

/* CARRIERS */
.carriers{background:var(--white)}
.carriers-intro{text-align:center;margin-bottom:3.5rem}
.carriers-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(155px,1fr));gap:1.2rem}
.carrier-card{background:var(--cream);border:1px solid rgba(0,0,0,0.07);border-radius:14px;padding:1.2rem 1rem;display:flex;align-items:center;justify-content:center;min-height:86px;transition:all 0.25s}
.carrier-card:hover{background:#fff;box-shadow:0 8px 32px rgba(0,0,0,0.08);transform:translateY(-3px);border-color:rgba(46,139,71,0.3)}
.carrier-card img{max-width:120px;max-height:46px;object-fit:contain;filter:grayscale(40%);transition:filter 0.2s}
.carrier-card:hover img{filter:grayscale(0%)}
.carrier-fallback{display:none;align-items:center;justify-content:center;font-size:0.78rem;font-weight:600;color:var(--navy);text-align:center;line-height:1.3}

/* WHY */
.why{background:var(--navy);color:#fff;display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.why-content .section-title{color:#fff}
.why-content .section-sub{color:rgba(255,255,255,0.7)}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:2.5rem}
.why-item{background:rgba(255,255,255,0.07);border-radius:16px;padding:1.5rem;border:1px solid rgba(255,255,255,0.1)}
.why-item-icon{font-size:1.8rem;margin-bottom:0.8rem}
.why-item h4{font-weight:600;font-size:1rem;color:#fff;margin-bottom:0.4rem}
.why-item p{font-size:0.87rem;color:rgba(255,255,255,0.65);line-height:1.5}
.why-img{position:relative}
.why-img img{width:100%;border-radius:20px;object-fit:cover;height:540px;background:#1a3f7a}
.why-img-overlay{position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(15,45,94,0.5));border-radius:20px}

/* TESTIMONIALS */
.testimonials{background:var(--cream)}
.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem;margin-top:3rem}
.testimonial-card{background:#fff;border-radius:20px;padding:2rem;border:1px solid rgba(0,0,0,0.05);box-shadow:0 4px 20px rgba(0,0,0,0.04)}
.stars{color:#f59e0b;font-size:1rem;margin-bottom:1rem;letter-spacing:2px}
.testimonial-card p{font-size:0.95rem;color:#374151;line-height:1.7;font-style:italic;margin-bottom:1.3rem}
.testimonial-author{display:flex;align-items:center;gap:0.8rem}
.author-avatar{width:42px;height:42px;border-radius:50%;background:var(--green-pale);display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.author-info strong{display:block;font-size:0.9rem;color:var(--navy);font-weight:600}
.author-info span{font-size:0.8rem;color:var(--gray)}

/* BOOKING */
.booking{background:#fff}
.booking-inner{max-width:1200px;margin:0 auto}
.booking-header{text-align:center;margin-bottom:2rem}
.booking-header .section-sub{margin:0 auto;text-align:center}

/* FOOTER */
footer{background:#0a1f3f;color:rgba(255,255,255,0.7);padding:4rem}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:3rem;margin-bottom:3rem}
.footer-brand img{height:42px;margin-bottom:1rem;filter:brightness(0) invert(1)}
.footer-brand p{font-size:0.9rem;line-height:1.7;max-width:300px;margin-bottom:1.2rem}
.footer-contact{display:flex;flex-direction:column;gap:0.5rem}
.footer-contact a{color:rgba(255,255,255,0.75);text-decoration:none;font-size:0.88rem;transition:color 0.2s}
.footer-contact a:hover{color:var(--green-light)}
.footer-col h5{color:#fff;font-weight:600;margin-bottom:1rem;font-size:0.95rem}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:0.6rem}
.footer-col a{color:rgba(255,255,255,0.6);text-decoration:none;font-size:0.88rem;transition:color 0.2s}
.footer-col a:hover{color:var(--green-light)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:0.5rem}
.footer-bottom p{font-size:0.8rem}

/* ANIMATIONS */
.fade-in{transition:opacity 0.7s ease,transform 0.7s ease}

/* RESPONSIVE */
@media(max-width:900px){
  nav{top:34px}
  .hero{grid-template-columns:1fr;min-height:auto;padding-top:108px}
  .hero-left{padding:3.5rem 1.5rem 3rem}
  .hero-right{height:320px}
  .about,.why{grid-template-columns:1fr;gap:3rem}
  .why-img{display:none}
  .why-grid{grid-template-columns:1fr}
  section{padding:4rem 1.5rem}
  .trust-bar{padding:1.2rem 1.5rem;gap:1.2rem}
  .footer-top{grid-template-columns:1fr;gap:2rem}
  .nav-links,.nav-right{display:none}
  .nav-mobile-toggle{display:flex}
  .mobile-menu.open{display:flex;flex-direction:column;position:fixed;top:108px;left:0;right:0;bottom:0;background:#fff;z-index:999;padding:2rem;gap:1.5rem;overflow-y:auto}
  .mobile-menu a{font-size:1.1rem;color:var(--navy);text-decoration:none;font-weight:500;padding:0.5rem 0;border-bottom:1px solid #f3f4f6}
  .mobile-contact{display:flex;flex-direction:column;gap:0.5rem;padding-top:0.5rem}
  .mobile-contact a{font-size:0.9rem;color:var(--gray);text-decoration:none}
  .footer-bottom{flex-direction:column;text-align:center}
}
@media(max-width:600px){
  .carriers-grid{grid-template-columns:repeat(auto-fill,minmax(120px,1fr))}
  .hero-stats{gap:1.2rem}
  .top-bar{gap:1rem;padding:0 1rem}
  .top-bar-item{font-size:0.72rem}
}

/* ---- Static-site additions ---- */
a.top-bar-item{text-decoration:none}
a.top-bar-item:hover{color:#fff}
.mobile-menu .btn-primary{text-align:center;margin-top:0.5rem;color:#fff;border-bottom:none}
.why .section-tag{color:var(--green-light)}
.why-cta{margin-top:2.5rem}
.carriers-intro .section-sub{margin:0 auto}
.carrier-card img{width:auto;height:auto}
.carrier-name{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.booking{padding:5rem 2rem 6rem;background:var(--cream)}
.booking-header .section-sub{margin:0 auto 0.8rem}
.call-box{max-width:720px;margin:2rem auto 0;background:#fff;border-radius:24px;border:1px solid rgba(0,0,0,0.08);box-shadow:0 8px 40px rgba(0,0,0,0.07);padding:2.5rem 2rem;text-align:center}
.call-box .call-big{display:block;font-family:'Playfair Display',serif;font-size:clamp(2rem,6vw,2.8rem);font-weight:700;color:var(--navy);text-decoration:none;margin:0.4rem 0 1.4rem}
.call-box .call-big:hover{color:var(--green)}
.call-box .call-note{font-size:0.92rem;color:var(--gray);line-height:1.6;margin-top:1.2rem}
.call-box .call-note a{color:var(--green);font-weight:600}
.call-label{font-size:0.8rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--green)}
.sc-link{margin-top:1.4rem;font-size:0.9rem;color:var(--gray)}
.sc-link a{color:var(--navy);font-weight:600}
.footer-contact span{color:rgba(255,255,255,0.5);font-size:0.82rem}
.footer-bottom .footer-note{color:rgba(255,255,255,0.4);font-size:0.78rem}
.footer-bottom a{color:rgba(255,255,255,0.75)}
.footer-bottom a:hover{color:var(--green-light)}
.footer-disclaimer{border-top:1px solid rgba(255,255,255,0.06);margin-top:1.5rem;padding-top:1.2rem;text-align:center}
.footer-disclaimer p{font-size:0.75rem;color:rgba(255,255,255,0.3);line-height:1.6;max-width:800px;margin:0 auto}
.js .fade-in{opacity:0;transform:translateY(28px)}
.js .fade-in.visible{opacity:1;transform:translateY(0)}
@media(prefers-reduced-motion:reduce){.hero-card{animation:none}.js .fade-in{opacity:1;transform:none}}
.why-item .h4{font-weight:600;font-size:1rem;color:#fff;margin-bottom:0.4rem;font-family:'DM Sans',sans-serif}
.footer-col .h5{color:#fff;font-weight:600;margin-bottom:1rem;font-size:0.95rem}
.nav-logo img{height:54px;width:auto}
.footer-brand img{width:auto}