/* ============================================
   Peak Insurance Group — Design System Styles
   Inspired by Insurich (insurich.webflow.io)
   ============================================ */

/* ---------- CSS Variables ---------- */
:root {
  /* Primary */
  --navy: #041C66;
  --navy-light: #152F7E;
  --navy-mid: #1F3C98;
  --green: #1AE085;
  --green-dark: #15c472;
  --white: #FFFFFF;
  --off-white: #FBFBFB;

  /* Neutrals */
  --gray-light: #EEEEEE;
  --gray-text: #3C4663;
  --gray-muted: #AAADB0;
  --dark-text: #0E1418;

  /* Accents */
  --orange: #F97316;

  /* Spacing */
  --space-xs: 8px;
  --space-sm: 16px;
  --space-md: 24px;
  --space-lg: 48px;
  --space-xl: 80px;
  --space-2xl: 120px;

  /* Radius */
  --radius-sm: 4px;
  --radius-md: 6px;
  --radius-lg: 8px;
  --radius-full: 100%;

  /* Fonts */
  --font: 'Poppins', -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.5;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  text-decoration: none;
  color: inherit;
  transition: color 0.2s;
}

ul, ol {
  list-style: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

input, textarea {
  font-family: inherit;
  font-size: 14px;
}

/* ---------- Layout ---------- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-weight: 600;
  color: var(--navy);
}

h1 {
  font-size: 62px;
  line-height: 1.13;
}

h2 {
  font-size: 48px;
  line-height: 1.17;
}

h3 {
  font-size: 34px;
  line-height: 1.24;
}

h4 {
  font-size: 24px;
  line-height: 1.33;
}

.section-title {
  text-align: center;
  margin-bottom: var(--space-sm);
  font-style: normal;
}

.section-title--left {
  text-align: left;
}

.section-subtitle {
  text-align: center;
  color: var(--gray-text);
  max-width: 600px;
  margin: 0 auto var(--space-lg);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  padding: 13px 24px;
  font-size: 16px;
  font-weight: 500;
  border-radius: var(--radius-md);
  transition: all 0.25s ease;
  cursor: pointer;
  border: 2px solid transparent;
}

.btn-arrow {
  font-size: 18px;
  transition: transform 0.2s;
}

.btn:hover .btn-arrow {
  transform: translateX(3px);
}

.btn--primary {
  background: var(--green);
  color: var(--navy);
  border-color: var(--green);
}

.btn--primary:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  transform: translateY(-1px);
}

.btn--secondary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.btn--secondary:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-1px);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--green);
}

.btn--outline:hover {
  background: var(--green);
  color: var(--navy);
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.4);
}

.btn--outline-white:hover {
  border-color: var(--white);
  background: rgba(255, 255, 255, 0.1);
}

.btn--full {
  width: 100%;
  justify-content: center;
}

/* ============================================
   HEADER
   ============================================ */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: var(--space-sm) 0;
  transition: background 0.3s, box-shadow 0.3s;
}

.header.scrolled {
  background: var(--white);
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.header__logo {
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  white-space: nowrap;
}

.logo-icon {
  font-size: 24px;
}

.header.scrolled .header__logo {
  color: var(--navy);
}

.header__nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 9px 20px;
  border-radius: var(--radius-md);
  font-size: 15px;
  font-weight: 400;
  color: rgba(255, 255, 255, 0.8);
  transition: all 0.2s;
}

.nav-link:hover,
.nav-link.active {
  background: var(--navy);
  color: var(--white);
}

.header.scrolled .nav-link {
  color: var(--gray-text);
}

.header.scrolled .nav-link:hover,
.header.scrolled .nav-link.active {
  background: var(--navy);
  color: var(--white);
}

.header__cta {
  padding: 10px 20px;
  font-size: 15px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}

.header.scrolled .hamburger span {
  background: var(--navy);
}

/* ============================================
   HERO
   ============================================ */
.hero {
  background: var(--navy-light);
  padding: 160px 0 var(--space-xl);
  overflow: hidden;
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: center;
}

.hero__title {
  color: var(--white);
  margin-bottom: var(--space-md);
  font-style: normal;
}

.hero__subtitle {
  color: var(--off-white);
  font-size: 18px;
  line-height: 1.6;
  margin-bottom: var(--space-lg);
  max-width: 520px;
  opacity: 0.9;
}

.hero__actions {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
  margin-bottom: var(--space-lg);
}

.hero__stats {
  display: flex;
  gap: var(--space-lg);
}

.hero__stat {
  display: flex;
  flex-direction: column;
}

.hero__stat strong {
  color: var(--green);
  font-size: 20px;
  font-weight: 600;
}

.hero__stat span {
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
}

.hero__image {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero__image-accent {
  position: absolute;
  width: 320px;
  height: 320px;
  border-radius: var(--radius-full);
  background: var(--orange);
  opacity: 0.6;
  top: 50%;
  left: 50%;
  transform: translate(-40%, -50%);
  z-index: 0;
}

.hero__img {
  position: relative;
  z-index: 1;
  max-width: 400px;
  width: 100%;
  border-radius: 12px;
  object-fit: cover;
}

/* ============================================
   VALUE PROPS BAR
   ============================================ */
.value-bar {
  background: var(--navy);
  padding: var(--space-md) 0;
}

.value-bar__inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.value-bar__item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--white);
  font-weight: 500;
  font-size: 15px;
}

.value-bar__icon {
  display: flex;
  align-items: center;
  color: var(--green);
}

/* ============================================
   ABOUT
   ============================================ */
.about {
  padding: var(--space-xl) 0;
}

.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: center;
}

.about__img {
  width: 100%;
  border-radius: var(--radius-lg);
  object-fit: cover;
}

.about__text {
  color: var(--gray-text);
  margin-bottom: var(--space-sm);
  line-height: 1.7;
}

.about__checks {
  margin: var(--space-md) 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.about__checks li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 500;
  color: var(--navy);
}

.check-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: var(--radius-full);
  background: var(--green);
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  flex-shrink: 0;
}

/* ============================================
   SERVICES
   ============================================ */
.services {
  padding: var(--space-xl) 0;
  background: var(--off-white);
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: var(--space-lg) var(--space-md) var(--space-md);
  text-align: center;
  transition: transform 0.3s, box-shadow 0.3s;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(4, 28, 102, 0.1);
}

.service-card__icon {
  margin: 0 auto var(--space-md);
  width: 72px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--off-white);
  border-radius: var(--radius-full);
}

.service-card__title {
  font-size: 20px;
  font-weight: 600;
  margin-bottom: var(--space-xs);
}

.service-card__desc {
  color: var(--gray-text);
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: var(--space-sm);
}

.service-card__link {
  color: var(--navy);
  font-weight: 500;
  font-size: 14px;
  transition: color 0.2s;
}

.service-card__link:hover {
  color: var(--green-dark);
}

/* ============================================
   STATS BANNER
   ============================================ */
.stats {
  background: var(--navy);
  padding: var(--space-lg) 0;
}

.stats__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
}

.stats__item {
  text-align: center;
  padding: var(--space-md);
  border-right: 1px solid rgba(255, 255, 255, 0.15);
}

.stats__item:last-child {
  border-right: none;
}

.stats__item strong {
  display: block;
  font-size: 40px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}

.stats__item span {
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
  margin-top: 4px;
  display: block;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials {
  padding: var(--space-xl) 0;
}

.testimonial-carousel {
  position: relative;
  max-width: 700px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.carousel-track {
  flex: 1;
  overflow: hidden;
}

.testimonial-slide {
  display: none;
  text-align: center;
  padding: var(--space-md) 0;
  animation: fadeIn 0.5s ease;
}

.testimonial-slide.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.testimonial__avatar {
  width: 100px;
  height: 100px;
  border-radius: var(--radius-full);
  border: 3px solid var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-sm);
  background: var(--navy-light);
}

.testimonial__avatar span {
  font-size: 28px;
  font-weight: 600;
  color: var(--white);
}

.testimonial__name {
  font-size: 22px;
  font-weight: 600;
  margin-bottom: 4px;
}

.testimonial__stars {
  color: var(--orange);
  font-size: 20px;
  margin-bottom: var(--space-sm);
  letter-spacing: 2px;
}

.testimonial__quote {
  color: var(--gray-text);
  font-size: 16px;
  line-height: 1.7;
  font-style: italic;
  border: none;
}

.carousel-btn {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  border: 2px solid var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  transition: all 0.2s;
  flex-shrink: 0;
}

.carousel-btn:hover {
  background: var(--navy);
  color: var(--white);
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: var(--space-xs);
  margin-top: var(--space-md);
}

.dot {
  width: 10px;
  height: 10px;
  border-radius: var(--radius-full);
  background: var(--gray-light);
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}

.dot.active {
  background: var(--navy);
  width: 28px;
  border-radius: 5px;
}

/* ============================================
   PROCESS / HOW IT WORKS
   ============================================ */
.process {
  padding: var(--space-xl) 0;
  background: var(--off-white);
}

.process__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.process__accordion {
  margin: var(--space-lg) 0;
}

.accordion-item {
  border-bottom: 1px solid var(--gray-light);
}

.accordion-header {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  width: 100%;
  padding: var(--space-md) 0;
  font-size: 16px;
  font-weight: 500;
  color: var(--navy);
  text-align: left;
}

.accordion-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  background: var(--gray-light);
  color: var(--navy);
  font-weight: 600;
  font-size: 14px;
  flex-shrink: 0;
}

.accordion-item.active .accordion-number {
  background: var(--green);
}

.accordion-title {
  flex: 1;
}

.accordion-chevron {
  transition: transform 0.3s;
  display: flex;
}

.accordion-item.active .accordion-chevron {
  transform: rotate(180deg);
}

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.accordion-item.active .accordion-body {
  max-height: 200px;
}

.accordion-body p {
  padding: 0 0 var(--space-md) 52px;
  color: var(--gray-text);
  font-size: 15px;
  line-height: 1.6;
}

.process__actions {
  display: flex;
  gap: var(--space-sm);
}

.process__img {
  width: 100%;
  border-radius: var(--radius-lg);
  object-fit: cover;
  position: sticky;
  top: 100px;
}

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
  padding: var(--space-xl) 0;
}

.cta-banner__inner {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: center;
  overflow: hidden;
}

.cta-banner__title {
  color: var(--white);
  font-style: normal;
  margin-bottom: var(--space-sm);
}

.cta-banner__text {
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: var(--space-lg);
  line-height: 1.7;
}

.cta-banner__actions {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
}

.cta-banner__img {
  width: 100%;
  border-radius: var(--radius-lg);
  object-fit: cover;
}

/* ============================================
   CONTACT
   ============================================ */
.contact {
  padding: var(--space-xl) 0;
  background: var(--off-white);
}

.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
}

.contact__intro {
  color: var(--gray-text);
  margin-bottom: var(--space-lg);
  line-height: 1.6;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
}

.form-group {
  margin-bottom: var(--space-sm);
}

.form-group label {
  display: block;
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 6px;
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px var(--space-sm);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-md);
  background: var(--white);
  color: var(--navy);
  font-size: 14px;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(26, 224, 133, 0.15);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--gray-muted);
}

.contact__info {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.contact-card {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  background: var(--white);
  padding: var(--space-md);
  border-radius: var(--radius-md);
  transition: box-shadow 0.2s;
}

.contact-card:hover {
  box-shadow: 0 4px 20px rgba(4, 28, 102, 0.06);
}

.contact-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-card__label {
  display: block;
  font-size: 13px;
  color: var(--gray-muted);
  margin-bottom: 2px;
}

.contact-card__value {
  font-weight: 500;
  font-size: 15px;
  color: var(--navy);
}

a.contact-card__value:hover {
  color: var(--green-dark);
}

.contact__map {
  margin-top: var(--space-xs);
  border-radius: var(--radius-md);
  overflow: hidden;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy);
  padding: var(--space-xl) 0 0;
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: var(--space-lg);
  padding-bottom: var(--space-lg);
}

.footer__logo {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  margin-bottom: var(--space-sm);
}

.footer__brand p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
  line-height: 1.6;
}

.footer__col h4 {
  color: var(--white);
  font-size: 16px;
  margin-bottom: var(--space-md);
}

.footer__col a,
.footer__col span {
  display: block;
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
  padding: 4px 0;
  transition: color 0.2s;
}

.footer__col a:hover {
  color: var(--green);
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: var(--space-md) 0;
}

.footer__bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: rgba(255, 255, 255, 0.4);
  font-size: 14px;
}

/* ============================================
   FADE IN ANIMATION
   ============================================ */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE
   ============================================ */

/* Tablet */
@media (max-width: 1024px) {
  h1 { font-size: 48px; }
  h2 { font-size: 38px; }

  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero__subtitle {
    max-width: none;
  }

  .hero__actions {
    justify-content: center;
  }

  .hero__stats {
    justify-content: center;
  }

  .hero__image {
    display: none;
  }

  .about__inner {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .about__image {
    max-width: 500px;
    margin: 0 auto;
  }

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

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

  .stats__item:nth-child(2) {
    border-right: none;
  }

  .process__inner {
    grid-template-columns: 1fr;
  }

  .process__image {
    display: none;
  }

  .cta-banner__inner {
    grid-template-columns: 1fr;
    text-align: center;
    padding: var(--space-lg);
  }

  .cta-banner__actions {
    justify-content: center;
  }

  .cta-banner__image {
    display: none;
  }

  .contact__inner {
    grid-template-columns: 1fr;
  }

  .footer__inner {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-lg);
  }
}

/* Mobile */
@media (max-width: 768px) {
  h1 { font-size: 36px; }
  h2 { font-size: 30px; }
  h3 { font-size: 26px; }

  .header__nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--navy);
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: var(--space-sm);
    transform: translateX(100%);
    transition: transform 0.3s ease;
    z-index: 999;
  }

  .header__nav.open {
    transform: translateX(0);
  }

  .header__nav .nav-link {
    font-size: 20px;
    color: var(--white);
  }

  .header__cta {
    display: none;
  }

  .hamburger {
    display: flex;
    z-index: 1001;
  }

  .hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
  }

  .hamburger.active span:nth-child(2) {
    opacity: 0;
  }

  .hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
  }

  .hero {
    padding: 120px 0 var(--space-lg);
  }

  .hero__stats {
    flex-direction: column;
    gap: var(--space-sm);
    align-items: center;
  }

  .value-bar__inner {
    grid-template-columns: 1fr;
    gap: var(--space-sm);
  }

  .services__grid {
    grid-template-columns: 1fr;
  }

  .stats__inner {
    grid-template-columns: 1fr 1fr;
  }

  .stats__item {
    border-right: none;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer__inner {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .footer__bottom-inner {
    flex-direction: column;
    gap: var(--space-xs);
    text-align: center;
  }

  .testimonial-carousel {
    padding: 0;
  }

  .carousel-btn {
    width: 40px;
    height: 40px;
  }

  .cta-banner__inner {
    padding: var(--space-lg) var(--space-md);
  }

  .cta-banner__actions {
    flex-direction: column;
    align-items: center;
  }
}