/* ══════════════════════════════════════════════════════════
   Complete Insurance Agency — Stylesheet
   Layout: oceanbayautobody.com  |  Colors: original navy/gold
   ══════════════════════════════════════════════════════════ */

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

:root {
  --accent:       #c8960c;
  --accent-hover: #a87a09;
  --accent-dark:  #8a6208;
  --bg:    #ffffff;
  --bg-2:  #f4f7fa;
  --bg-3:  #e8eef4;
  --navy:        #1a3a5c;
  --text:        #1a3a5c;
  --text-muted:  #5a6a7a;
  --border: rgba(26,58,92,0.12);
  --radius: 10px;
  --nav-h: 72px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', 'Roboto', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img  { display: block; max-width: 100%; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }
em   { font-style: italic; }

.container {
  width: min(1200px, 100% - 3rem);
  margin-inline: auto;
}

/* ── Buttons ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .75rem 1.75rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--accent);
  color: #ffffff;
}
.btn-primary:hover {
  background: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(200,150,12,.35);
}

.btn-outline {
  background: transparent;
  color: #ffffff;
  border-color: rgba(255,255,255,.5);
}
.btn-outline:hover {
  background: #ffffff;
  color: var(--navy);
  transform: translateY(-2px);
}

/* ── Shared section type ────────────────────────────────── */
.section-label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: .75rem;
}

.section-title {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.15;
  color: var(--text);
}

.section-subtitle {
  margin-top: .75rem;
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 55ch;
}

/* ── Navigation ─────────────────────────────────────────── */
nav {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  height: var(--nav-h);
  background: #ffffff;
  box-shadow: 0 2px 16px rgba(26,58,92,.08);
  transition: box-shadow var(--transition);
}

nav.scrolled {
  box-shadow: 0 2px 20px rgba(26,58,92,.15);
}

.nav-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.nav-logo img {
  height: 48px;
  width: auto;
  object-fit: contain;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-links a {
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--accent); }

.nav-cta {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-phone {
  font-size: .9rem;
  font-weight: 700;
  color: var(--navy);
  transition: color var(--transition);
}
.nav-phone:hover { color: var(--accent); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  gap: 1.25rem;
  padding: 2rem 1.5rem;
  background: var(--bg);
  border-top: 1px solid var(--border);
  position: fixed;
  inset: var(--nav-h) 0 auto;
  z-index: 99;
  box-shadow: 0 8px 24px rgba(26,58,92,.1);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
}
.mobile-menu a:hover { color: var(--accent); }

/* ── Hero ───────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: scale(1.05);
  transition: transform 8s ease-out;
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(26,58,92,.92) 0%,
    rgba(26,58,92,.72) 50%,
    rgba(15,35,60,.55) 100%
  );
}

.hero-content {
  position: relative;
  z-index: 1;
  padding-block: calc(var(--nav-h) + 4rem) 5rem;
  max-width: 680px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(200,150,12,.15);
  border: 1px solid rgba(200,150,12,.4);
  border-radius: 999px;
  padding: .35rem 1rem;
  font-size: .8rem;
  font-weight: 700;
  color: #f0c040;
  letter-spacing: .06em;
  margin-bottom: 1.5rem;
}
.hero-badge::before {
  content: '';
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: .5; transform: scale(1.4); }
}

.hero h1 {
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -.02em;
  color: #fff;
  margin-bottom: 1.25rem;
}
.hero h1 span { color: var(--accent); }

.hero p {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,.75);
  margin-bottom: 2.25rem;
  max-width: 50ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

/* ── Stats ──────────────────────────────────────────────── */
.stats {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.1);
  border-bottom: 1px solid rgba(255,255,255,.1);
  padding: 2.5rem 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.stat-item {
  text-align: center;
  padding: 1rem;
  border-right: 1px solid rgba(255,255,255,.15);
}
.stat-item:last-child { border-right: none; }

.stat-number {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 900;
  color: #f0c040;
  line-height: 1;
  margin-bottom: .35rem;
}
.stat-label {
  font-size: .85rem;
  color: rgba(255,255,255,.7);
  font-weight: 500;
}

/* ── Coverage / Services ────────────────────────────────── */
.services { padding: 6rem 0; }

.services-header { margin-bottom: 3.5rem; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.service-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 2rem;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(26,58,92,.06);
}
.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(200,150,12,.05) 0%, transparent 60%);
  opacity: 0;
  transition: opacity var(--transition);
}
.service-card:hover {
  border-color: rgba(200,150,12,.4);
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(26,58,92,.12);
}
.service-card:hover::before { opacity: 1; }

.service-card.featured {
  border-color: rgba(200,150,12,.3);
  border-top: 3px solid var(--accent);
}
.service-card.featured::before { opacity: .6; }

.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: rgba(26,58,92,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  transition: background var(--transition);
}
.service-card:hover .service-icon { background: rgba(200,150,12,.12); }

.service-icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--navy);
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.service-card:hover .service-icon svg { stroke: var(--accent); }

.service-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .5rem;
}
.service-card > p {
  font-size: .9rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1rem;
}

.service-list {
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.service-list li {
  font-size: .85rem;
  color: var(--text-muted);
  padding-left: 1.2rem;
  position: relative;
}
.service-list li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-size: .8rem;
}

/* ── About ──────────────────────────────────────────────── */
.about {
  padding: 6rem 0;
  background: var(--bg-2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  color: var(--text);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.about-image-wrap {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  aspect-ratio: 4/3;
}
.about-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .6s ease;
}
.about-image-wrap:hover img { transform: scale(1.04); }

.about-badge {
  position: absolute;
  bottom: 1.25rem;
  left: 1.25rem;
  background: rgba(255,255,255,.95);
  border: 1px solid rgba(26,58,92,.15);
  border-radius: 10px;
  padding: .75rem 1.25rem;
  display: flex;
  align-items: center;
  gap: .75rem;
  backdrop-filter: blur(8px);
}
.about-badge-icon {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.about-badge-icon svg {
  width: 20px;
  height: 20px;
  stroke: #fff;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.about-badge-text strong {
  display: block;
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
}
.about-badge-text span {
  font-size: .75rem;
  color: var(--text-muted);
}

.about-text .section-subtitle { max-width: 45ch; }

.about-checklist {
  margin-top: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.check-item {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  font-size: .95rem;
}
.check-icon {
  flex-shrink: 0;
  margin-top: .15rem;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(200,150,12,.15);
  display: flex;
  align-items: center;
  justify-content: center;
}
.check-icon svg {
  width: 11px;
  height: 11px;
  stroke: var(--accent);
  fill: none;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.about-actions { margin-top: 2.25rem; }

/* ── Gallery ────────────────────────────────────────────── */
.gallery { padding: 6rem 0; }

.gallery-header { margin-bottom: 3rem; }

.gallery-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: auto auto;
  gap: 1rem;
}

.gallery-item {
  border-radius: 12px;
  overflow: hidden;
  position: relative;
  cursor: pointer;
}
.gallery-item:first-child {
  grid-column: 1 / 3;
}

.gallery-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  aspect-ratio: 16/10;
  transition: transform .5s ease;
}
.gallery-item:first-child img { aspect-ratio: 16/9; }

.gallery-item:hover img { transform: scale(1.06); }

.gallery-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,.7) 0%, transparent 60%);
  opacity: 0;
  transition: opacity var(--transition);
  display: flex;
  align-items: flex-end;
  padding: 1.25rem;
}
.gallery-item:hover .gallery-overlay { opacity: 1; }
.gallery-overlay span {
  font-size: .85rem;
  font-weight: 600;
  color: #fff;
}


/* ── Why Us ─────────────────────────────────────────────── */
.why {
  padding: 6rem 0;
  background: var(--bg-2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  color: var(--text);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  margin-top: 2.5rem;
}

.why-feature {
  display: flex;
  gap: 1.25rem;
}
.why-feature-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(26,58,92,.08);
  border: 1px solid rgba(26,58,92,.15);
  display: flex;
  align-items: center;
  justify-content: center;
}
.why-feature-icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--navy);
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.why-feature-text h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: .25rem;
}
.why-feature-text p {
  font-size: .875rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.why-image-stack { position: relative; }

.why-img-main {
  border-radius: 16px;
  overflow: hidden;
  aspect-ratio: 3/4;
}
.why-img-main img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .6s ease;
}
.why-img-main:hover img { transform: scale(1.04); }

.why-img-float {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  width: 55%;
  border-radius: 12px;
  overflow: hidden;
  border: 4px solid var(--bg-2);
  aspect-ratio: 1;
  box-shadow: 0 8px 32px rgba(26,58,92,.2);
}
.why-img-float img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* ── Contact ────────────────────────────────────────────── */
.contact { padding: 6rem 0; }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 4rem;
  align-items: start;
}

.contact-info .section-subtitle { max-width: 40ch; }

.contact-details {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.contact-detail-icon {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--navy);
  border: 1px solid rgba(26,58,92,.2);
  display: flex;
  align-items: center;
  justify-content: center;
}
.contact-detail-icon svg {
  width: 18px;
  height: 18px;
  stroke: #ffffff;
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.contact-detail strong {
  display: block;
  font-size: .85rem;
  color: var(--text-muted);
  margin-bottom: .15rem;
}
.contact-detail span {
  font-size: .95rem;
  font-weight: 500;
}
.contact-detail a {
  transition: color var(--transition);
}
.contact-detail a:hover { color: var(--accent); }

/* Form */
.contact-form {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 2.5rem;
  box-shadow: 0 4px 24px rgba(26,58,92,.08);
}
.contact-form h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1.75rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  margin-bottom: 1rem;
}
.form-group label {
  font-size: .85rem;
  font-weight: 500;
  color: var(--text-muted);
}
.form-group input,
.form-group select,
.form-group textarea {
  background: var(--bg-2);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: .75rem 1rem;
  color: var(--text);
  font-size: .95rem;
  font-family: inherit;
  transition: border-color var(--transition);
  outline: none;
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,58,92,.1);
  background: var(--bg);
}
.form-group select option { background: var(--bg); }
.form-group textarea { resize: vertical; min-height: 110px; }

.form-submit {
  width: 100%;
  justify-content: center;
  padding: .9rem 2rem;
}
.form-note {
  font-size: .75rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: .75rem;
}

/* ── Footer ─────────────────────────────────────────────── */
footer {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 3rem 0 1.5rem;
  color: rgba(255,255,255,.75);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 2rem;
}

.footer-brand img {
  height: 44px;
  margin-bottom: 1rem;
  filter: brightness(0) invert(1);
}
.footer-brand p {
  font-size: .875rem;
  color: rgba(255,255,255,.6);
  line-height: 1.7;
  max-width: 30ch;
}

.footer-col h4 {
  font-size: .85rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: #f0c040;
  margin-bottom: 1rem;
}
.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: .6rem;
}
.footer-col ul a {
  font-size: .875rem;
  color: rgba(255,255,255,.65);
  transition: color var(--transition);
}
.footer-col ul a:hover { color: #ffffff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .8rem;
  color: rgba(255,255,255,.4);
  flex-wrap: wrap;
  gap: .5rem;
}

/* ── Scroll animations ──────────────────────────────────── */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: none;
}

/* ── Responsive ─────────────────────────────────────────── */
@media (max-width: 900px) {
  .nav-links, .nav-cta .btn { display: none; }
  .hamburger { display: flex; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2)  { border-right: none; }
  .stat-item { border-bottom: 1px solid var(--border); }
  .stat-item:nth-child(3),
  .stat-item:nth-child(4)  { border-bottom: none; }

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

  .about-grid,
  .why-grid,
  .contact-grid { grid-template-columns: 1fr; gap: 3rem; }

  .why-image-stack { order: -1; }
  .why-img-float   { display: none; }

  .gallery-grid { grid-template-columns: 1fr 1fr; }
  .gallery-item:first-child { grid-column: 1 / 3; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / 3; }
}

@media (max-width: 600px) {
  .services-grid { grid-template-columns: 1fr; }

  .gallery-grid { grid-template-columns: 1fr; }
  .gallery-item:first-child { grid-column: auto; }

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

  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { border-right: none !important; }
}