/* FR44 Experts - Clean, Fast, Authoritative */
:root {
  --red: #FF2528;
  --red-dark: #CC1B1E;
  --red-glow: rgba(255,37,40,0.3);
  --dark: #0a0a0a;
  --dark2: #111111;
  --dark3: #181818;
  --dark4: #222222;
  --gray: #888;
  --light: #f0f0f0;
  --white: #fff;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--dark);
  color: var(--light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--red); text-decoration: none; transition: color 0.2s; }
a:hover { color: #e74c3c; }

/* ── TOPBAR ──────────────────────────────────── */
.topbar {
  background: var(--red);
  text-align: center;
  padding: 10px 20px;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.5px;
}
.topbar a { color: var(--white); text-decoration: underline; }

/* ── NAV ─────────────────────────────────────── */
nav {
  background: #fff;
  border-bottom: 1px solid #e8e8e8;
  position: sticky;
  top: 0;
  z-index: 100;
  padding: 0 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.nav-logo {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--dark);
  letter-spacing: -0.5px;
}
.nav-logo span { color: var(--red); }
.nav-logo img { filter: none !important; }
.nav-links { display: flex; gap: 28px; align-items: center; }
.nav-links a { color: #444; font-size: 0.9rem; font-weight: 500; }
.nav-links a:hover { color: var(--red); }
.nav-cta {
  background: var(--red);
  color: var(--white) !important;
  padding: 9px 22px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.3px;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--red-dark) !important; color: var(--white) !important; }
.hamburger { display: none; cursor: pointer; }
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--white); margin: 5px 0;
  transition: 0.3s;
}

/* ── HERO ────────────────────────────────────── */
.hero {
  position: relative;
  overflow: hidden;
  min-height: 580px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
}
.hero img.hero-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
  z-index: 0;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.35) 60%, rgba(0,0,0,0.08) 100%);
  z-index: 1;
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 100px 6% 100px;
  max-width: 580px;
  text-align: left;
}
.hero-inner { display: block; }
.hero-left { display: block; }
.hero-right { display: none; }
.hero-box {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 14px;
  padding: 28px 28px 24px;
}
.hero-box-title {
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  margin-bottom: 18px;
}
.hero-box-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.hero-box-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  color: rgba(255,255,255,0.92);
  line-height: 1.45;
}
.hb-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.hero-box-list strong { color: #fff; }
.hero-badge { display: none; }
.hero h1 {
  font-size: clamp(2.6rem, 5.5vw, 4.4rem);
  font-weight: 900;
  line-height: 1.05;
  color: var(--white);
  margin: 0 0 24px;
  letter-spacing: -1.5px;
}
.hero h1 span { color: var(--red); }
.hero p {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.9);
  max-width: 480px;
  margin: 0 0 40px;
  font-weight: 500;
  line-height: 1.6;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  background: var(--red);
  color: var(--white);
  padding: 16px 36px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 1rem;
  letter-spacing: 0.3px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 24px var(--red-glow);
  display: inline-block;
}
.btn-primary:hover {
  background: var(--red-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px var(--red-glow);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  padding: 16px 36px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 1rem;
  border: 2px solid #333;
  transition: border-color 0.2s, color 0.2s;
  display: inline-block;
}
.btn-secondary:hover { border-color: var(--red); color: var(--red); }

/* ── TRUST STRIP ─────────────────────────────── */
.trust-strip {
  background: var(--dark2);
  border-top: 1px solid #1e1e1e;
  border-bottom: 1px solid #1e1e1e;
  padding: 22px 5%;
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.9rem; font-weight: 600; color: #ccc;
}
.trust-item .icon { font-size: 1.4rem; }

/* ── SECTION ─────────────────────────────────── */
.section { padding: 80px 5%; }
.section-dark { background: var(--dark2); }
.section-darker { background: var(--dark3); }
.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 900;
  color: var(--white);
  text-align: center;
  margin-bottom: 12px;
  letter-spacing: -0.5px;
}
.section-title span { color: var(--red); }
.section-sub {
  text-align: center;
  color: #888;
  font-size: 1.05rem;
  max-width: 580px;
  margin: 0 auto 52px;
}

/* ── CARDS ───────────────────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  max-width: 1100px;
  margin: 0 auto;
}
.card {
  background: var(--dark4);
  border: 1px solid #2a2a2a;
  border-radius: 12px;
  padding: 32px 28px;
  transition: border-color 0.25s, transform 0.2s;
}
.card:hover { border-color: var(--red); transform: translateY(-3px); }
.card-icon { font-size: 2.2rem; margin-bottom: 16px; }
.card h3 { font-size: 1.2rem; font-weight: 800; color: var(--white); margin-bottom: 10px; }
.card p { color: #888; font-size: 0.95rem; line-height: 1.65; }
.card-badge {
  display: inline-block;
  background: rgba(192,57,43,0.15);
  color: var(--red);
  border: 1px solid rgba(192,57,43,0.3);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  margin-bottom: 16px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

/* ── LEAD FORM ───────────────────────────────── */
.lead-form-section {
  background: linear-gradient(135deg, #0f0a0a 0%, #1a0d0a 100%);
  border-top: 1px solid #2a1a1a;
  border-bottom: 1px solid #2a1a1a;
  padding: 80px 5%;
}
.lead-form-wrap {
  max-width: 680px;
  margin: 0 auto;
  background: var(--dark3);
  border: 1px solid #2a2a2a;
  border-radius: 16px;
  padding: 48px 44px;
}
.lead-form-wrap h2 {
  font-size: 2rem;
  font-weight: 900;
  color: var(--white);
  text-align: center;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.lead-form-wrap h2 span { color: var(--red); }
.lead-form-wrap p {
  text-align: center;
  color: #777;
  margin-bottom: 36px;
  font-size: 0.95rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: #888; text-transform: uppercase; letter-spacing: 0.5px; }
.form-group input,
.form-group select,
.form-group textarea {
  background: var(--dark);
  border: 1px solid #333;
  border-radius: 8px;
  padding: 13px 16px;
  color: var(--white);
  font-size: 0.95rem;
  font-family: var(--font);
  transition: border-color 0.2s;
  outline: none;
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--red); }
.form-group select option { background: var(--dark); }
.form-submit {
  width: 100%;
  background: var(--red);
  color: var(--white);
  border: none;
  padding: 17px;
  border-radius: 8px;
  font-size: 1.05rem;
  font-weight: 800;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  letter-spacing: 0.3px;
  margin-top: 8px;
}
.form-submit:hover { background: var(--red-dark); transform: translateY(-1px); }
.form-note { text-align: center; color: #555; font-size: 0.8rem; margin-top: 14px; }

/* ── STEPS ───────────────────────────────────── */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0;
  max-width: 900px;
  margin: 0 auto;
  position: relative;
}
.step {
  text-align: center;
  padding: 28px 20px;
  position: relative;
}
.step-num {
  width: 52px; height: 52px;
  background: var(--red);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 900;
  color: var(--white);
  margin: 0 auto 16px;
}
.step h3 { font-size: 1rem; font-weight: 800; color: var(--white); margin-bottom: 8px; }
.step p { color: #777; font-size: 0.88rem; }

/* ── POLICY COMPARE ──────────────────────────── */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  max-width: 820px;
  margin: 0 auto;
}
.compare-card {
  background: var(--dark4);
  border: 2px solid #2a2a2a;
  border-radius: 14px;
  padding: 36px 28px;
  text-align: center;
  transition: border-color 0.2s;
}
.compare-card.featured { border-color: var(--red); }
.compare-card .label { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--red); margin-bottom: 12px; }
.compare-card h3 { font-size: 1.4rem; font-weight: 900; color: var(--white); margin-bottom: 20px; }
.compare-list { list-style: none; text-align: left; margin-bottom: 28px; }
.compare-list li { padding: 8px 0; border-bottom: 1px solid #222; color: #bbb; font-size: 0.9rem; display: flex; align-items: flex-start; gap: 10px; }
.compare-list li::before { content: '✓'; color: var(--red); font-weight: 900; flex-shrink: 0; }

/* ── TESTIMONIALS ────────────────────────────── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
}
.testimonial {
  background: var(--dark4);
  border: 1px solid #222;
  border-radius: 12px;
  padding: 28px 24px;
}
.testimonial-stars { color: #f39c12; font-size: 1.1rem; margin-bottom: 12px; }
.testimonial p { color: #bbb; font-size: 0.92rem; line-height: 1.7; font-style: italic; margin-bottom: 16px; }
.testimonial-author { font-weight: 700; color: var(--white); font-size: 0.9rem; }
.testimonial-city { color: #555; font-size: 0.82rem; }

/* ── FAQ ─────────────────────────────────────── */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid #222;
  padding: 22px 0;
}
.faq-q {
  font-weight: 700; color: var(--white); font-size: 1rem;
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  user-select: none;
}
.faq-q::after { content: '+'; color: var(--red); font-size: 1.4rem; font-weight: 300; transition: transform 0.2s; }
.faq-item.open .faq-q::after { content: '−'; }
.faq-a { color: #888; font-size: 0.93rem; line-height: 1.75; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.2s; }
.faq-item.open .faq-a { max-height: 400px; padding-top: 14px; }

/* ── CTA BANNER ──────────────────────────────── */
.cta-banner {
  background: var(--red);
  padding: 60px 5%;
  text-align: center;
}
.cta-banner h2 { font-size: 2.2rem; font-weight: 900; color: var(--white); margin-bottom: 12px; letter-spacing: -0.5px; }
.cta-banner p { color: rgba(255,255,255,0.8); margin-bottom: 28px; font-size: 1.05rem; }
.btn-white {
  background: var(--white);
  color: var(--red);
  padding: 16px 40px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 1rem;
  display: inline-block;
  transition: transform 0.15s, box-shadow 0.2s;
}
.btn-white:hover { color: var(--red-dark); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,0.3); }

/* ── FOOTER ──────────────────────────────────── */
footer {
  background: #080808;
  border-top: 1px solid #1a1a1a;
  padding: 52px 5% 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
.footer-brand p { color: #555; font-size: 0.88rem; margin-top: 12px; line-height: 1.7; max-width: 300px; }
.footer-col h4 { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: #555; margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: #666; font-size: 0.88rem; }
.footer-col a:hover { color: var(--light); }
.footer-bottom { border-top: 1px solid #1a1a1a; padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { color: #444; font-size: 0.8rem; }
.footer-phone { color: var(--red) !important; font-weight: 700; font-size: 1rem; }

/* ── PHONE CTA FLOAT ─────────────────────────── */
.phone-float {
  position: fixed;
  bottom: 24px; right: 24px;
  background: var(--red);
  color: var(--white);
  width: 58px; height: 58px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  box-shadow: 0 4px 20px rgba(192,57,43,0.5);
  z-index: 999;
  transition: transform 0.2s, box-shadow 0.2s;
  text-decoration: none;
}
.phone-float:hover { color: var(--white); transform: scale(1.1); box-shadow: 0 8px 32px rgba(192,57,43,0.6); }

/* ── RESPONSIVE ──────────────────────────────── */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .form-row { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .lead-form-wrap { padding: 32px 24px; }
  .trust-strip { gap: 24px; }
  .steps { grid-template-columns: 1fr; }
  /* Hero mobile fixes */
  .hero { min-height: auto; }
  .hero-overlay { background: linear-gradient(to bottom, rgba(0,0,0,0.62) 0%, rgba(0,0,0,0.48) 100%); }
  .hero-content { padding: 52px 6% 52px; }
  .hero-inner { flex-direction: column; gap: 28px; }
  .hero-right { flex: none; width: 100%; }
  .hero h1 { font-size: 2.2rem; }
  .hero p { font-size: 1rem; max-width: 100%; }
  .hero-buttons .btn-primary { width: 100%; max-width: 320px; text-align: center; }
}