/* ==========================================================================
   Toorisk Insurance Brokers — static site stylesheet
   Brand colors extracted from original site:
   primary blue  #13a3e7   |  light blue #2eb0ee  |  pale blue #89d2f5
   ========================================================================== */

:root{
  --primary:#13a3e7;
  --primary-light:#2eb0ee;
  --primary-pale:#89d2f5;
  --primary-dark:#0d7fb8;
  --ink:#28313a;
  --ink-soft:#5b6770;
  --bg-soft:#f5f9fc;
  --border:#e3edf3;
  --white:#ffffff;
  --radius:10px;
  --shadow:0 10px 30px rgba(19,77,110,.10);
  --shadow-sm:0 4px 14px rgba(19,77,110,.08);
  --max:1180px;
  font-size:16px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:"Open Sans", -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;}
h1,h2,h3,h4{margin:0 0 .6em;line-height:1.25;font-weight:800;}
p{margin:0 0 1em;color:var(--ink-soft);}
.container{max-width:var(--max);margin:0 auto;padding:0 24px;}
section{padding:72px 0;}
.visually-hidden{position:absolute;left:-9999px;}

/* Focus visibility for accessibility */
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{
  outline:3px solid var(--primary-pale);
  outline-offset:2px;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 30px;
  border-radius:6px;
  font-weight:700;
  font-size:.95rem;
  letter-spacing:.2px;
  border:2px solid transparent;
  cursor:pointer;
  transition:transform .15s ease, box-shadow .15s ease, background .2s ease, color .2s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--primary);color:var(--white);}
.btn-primary:hover{background:var(--primary-dark);transform:translateY(-2px);box-shadow:var(--shadow-sm);}
.btn-outline{background:transparent;border-color:var(--white);color:var(--white);}
.btn-outline:hover{background:var(--white);color:var(--primary);}
.btn-outline-blue{background:transparent;border-color:var(--primary);color:var(--primary);}
.btn-outline-blue:hover{background:var(--primary);color:var(--white);}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:1000;
  background:var(--white);
  border-bottom:1px solid var(--border);
}
.site-header .inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 24px;max-width:var(--max);margin:0 auto;
}
.logo img{height:48px;width:auto;}
.main-nav > ul{display:flex;gap:6px;align-items:center;list-style:none;}
.main-nav a{
  display:block;padding:10px 16px;font-weight:600;color:var(--ink);
  border-radius:6px;font-size:.96rem;
  transition:color .2s, background .2s;
  position:relative;
}
.main-nav a:hover, .main-nav a.active{color:var(--primary);background:var(--bg-soft);}
.main-nav .has-dropdown{position:relative;}
.dropdown{
  display:none;position:absolute;top:100%;left:0;min-width:230px;
  background:var(--white);border:1px solid var(--border);border-radius:8px;
  box-shadow:var(--shadow);padding:8px;margin-top:6px;list-style:none;
  z-index:50;
}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{display:block;}
.dropdown a{padding:9px 12px;border-radius:6px;font-size:.92rem;font-weight:500;}
.header-cta{margin-left:8px;}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;}
.nav-toggle span{display:block;width:26px;height:3px;background:var(--ink);margin:5px 0;border-radius:2px;}

@media (max-width:900px){
  .nav-toggle{display:block;}
  .main-nav{
    position:fixed;top:78px;left:0;right:0;bottom:0;background:var(--white);
    transform:translateX(100%);transition:transform .25s ease;
    overflow-y:auto;padding:10px 0 40px;
  }
  .main-nav.open{transform:translateX(0);}
  .main-nav > ul{flex-direction:column;align-items:stretch;padding:10px 20px;gap:2px;}
  .dropdown{display:block;position:static;box-shadow:none;border:none;padding-left:14px;margin:0;}
  .has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{display:block;}
  .header-cta{margin:14px 20px 0;}
  .header-cta .btn{width:100%;}
}

/* ---------- Hero (inner pages) ---------- */
.page-hero{
  position:relative;
  background-size:cover;background-position:center;
  padding:110px 0 90px;
  color:var(--white);
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(13,40,56,.55), rgba(13,40,56,.72));
}
.page-hero .container{position:relative;z-index:2;}
.page-hero h1{font-size:clamp(2rem,4vw,2.8rem);color:var(--white);margin-bottom:.3em;}
.page-hero .subtitle{font-size:1.15rem;color:rgba(255,255,255,.92);max-width:640px;}
.breadcrumb{font-size:.85rem;color:rgba(255,255,255,.85);margin-bottom:14px;letter-spacing:.3px;}
.breadcrumb a{text-decoration:underline;}

/* ---------- Homepage Hero ---------- */
.hero-home{
  position:relative;background-size:cover;background-position:center;
  min-height:600px;display:flex;align-items:center;color:var(--white);
}
.hero-home::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(115deg, rgba(8,35,52,.82) 35%, rgba(8,35,52,.35));
}
.hero-home .container{position:relative;z-index:2;}
.hero-home .eyebrow{
  display:inline-block;text-transform:uppercase;letter-spacing:2px;font-size:.78rem;
  font-weight:700;color:var(--primary-pale);margin-bottom:14px;
}
.hero-home h1{font-size:clamp(2.1rem,5vw,3.4rem);max-width:680px;color:var(--white);}
.hero-home p{font-size:1.2rem;color:rgba(255,255,255,.92);max-width:560px;}
.hero-home .hero-actions{display:flex;gap:14px;margin-top:28px;flex-wrap:wrap;}

/* ---------- Feature strip ---------- */
.features{padding:60px 0;background:var(--white);}
.features-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;}
.feature-card{text-align:center;padding:0 14px;}
.feature-card .icon-wrap{
  width:84px;height:84px;border-radius:50%;overflow:hidden;margin:0 auto 18px;
  border:4px solid var(--bg-soft);
}
.feature-card .icon-wrap img{width:100%;height:100%;object-fit:cover;}
.feature-card h3{font-size:1.15rem;color:var(--ink);}
.feature-card p{font-size:.95rem;margin:0;}

@media (max-width:760px){
  .features-grid{grid-template-columns:1fr;gap:30px;}
}

/* ---------- Section heading ---------- */
.section-head{text-align:center;max-width:680px;margin:0 auto 46px;}
.section-head .eyebrow{
  display:block;color:var(--primary);font-weight:700;text-transform:uppercase;
  letter-spacing:2px;font-size:.8rem;margin-bottom:10px;
}
.section-head h2{font-size:clamp(1.6rem,3vw,2.2rem);}
.section-head p{font-size:1.05rem;}

.bg-soft{background:var(--bg-soft);}

/* ---------- Category grid (Insurance Plans) ---------- */
.cat-grid{
  display:grid;grid-template-columns:repeat(5,1fr);gap:22px;
}
.cat-card{
  background:var(--white);border-radius:var(--radius);overflow:hidden;
  border:1px solid var(--border);box-shadow:var(--shadow-sm);
  transition:transform .2s ease, box-shadow .2s ease;
  display:flex;flex-direction:column;
}
.cat-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);}
.cat-card .img-wrap{aspect-ratio:4/3;overflow:hidden;}
.cat-card .img-wrap img{width:100%;height:100%;object-fit:cover;transition:transform .35s ease;}
.cat-card:hover .img-wrap img{transform:scale(1.08);}
.cat-card .cat-body{padding:18px 16px 20px;flex:1;display:flex;flex-direction:column;}
.cat-card h3{font-size:1.02rem;margin-bottom:6px;}
.cat-card .cat-link{
  margin-top:auto;font-size:.85rem;font-weight:700;color:var(--primary);
  display:inline-flex;align-items:center;gap:6px;
}
.cat-card .cat-link svg{width:14px;height:14px;transition:transform .2s;}
.cat-card:hover .cat-link svg{transform:translateX(4px);}
.cat-card.is-stub{opacity:.92;}
.tag-soon{
  display:inline-block;font-size:.68rem;font-weight:700;color:var(--primary-dark);
  background:var(--primary-pale);padding:3px 9px;border-radius:20px;margin-bottom:8px;
  letter-spacing:.4px;text-transform:uppercase;
}

@media (max-width:980px){.cat-grid{grid-template-columns:repeat(3,1fr);}}
@media (max-width:640px){.cat-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:420px){.cat-grid{grid-template-columns:1fr;}}

/* ---------- Partners ---------- */
.partners{padding:50px 0;}
.partners-grid{
  display:flex;align-items:center;justify-content:center;gap:54px;flex-wrap:wrap;
  filter:grayscale(0%);opacity:.92;
}
.partners-grid img{height:54px;width:auto;object-fit:contain;}

/* ---------- Testimonial ---------- */
.testimonial{
  background:linear-gradient(135deg, var(--primary-dark), var(--primary));
  color:var(--white);text-align:center;
}
.testimonial blockquote{
  font-size:1.3rem;line-height:1.6;max-width:760px;margin:0 auto 22px;font-weight:500;
}
.testimonial cite{font-weight:700;font-style:normal;opacity:.95;}

/* ---------- Two column content ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.split img{border-radius:var(--radius);box-shadow:var(--shadow);}
.split .content h2{font-size:clamp(1.5rem,2.6vw,2.1rem);}
.benefit-list{list-style:none;margin:24px 0;display:flex;flex-direction:column;gap:16px;}
.benefit-list li{display:flex;gap:14px;align-items:flex-start;}
.benefit-list .dot{
  flex:0 0 26px;width:26px;height:26px;border-radius:50%;background:var(--primary-pale);
  display:flex;align-items:center;justify-content:center;margin-top:2px;
}
.benefit-list .dot svg{width:14px;height:14px;color:var(--primary-dark);}
.benefit-list strong{color:var(--ink);display:block;margin-bottom:2px;font-size:1rem;}
.benefit-list span{color:var(--ink-soft);font-size:.95rem;}

@media (max-width:880px){
  .split{grid-template-columns:1fr;gap:32px;}
  .split.reverse .content{order:2;}
}

/* ---------- Why choose grid ---------- */
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.why-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:26px 24px;box-shadow:var(--shadow-sm);
}
.why-card h3{font-size:1.05rem;color:var(--primary-dark);margin-bottom:8px;}
.why-card p{margin:0;font-size:.95rem;}
@media (max-width:700px){.why-grid{grid-template-columns:1fr;}}

/* ---------- Quote / lead form ---------- */
.quote-section{
  background:var(--bg-soft);
}
.quote-box{
  background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);
  padding:44px;display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center;
}
.quote-box .copy h2{font-size:clamp(1.4rem,2.4vw,1.9rem);}
.quote-form{display:flex;flex-direction:column;gap:14px;}
.quote-form input,.quote-form textarea{
  width:100%;padding:13px 16px;border:1px solid var(--border);border-radius:6px;
  font-family:inherit;font-size:.95rem;color:var(--ink);background:var(--white);
}
.quote-form input:focus,.quote-form textarea:focus{border-color:var(--primary);}
.quote-form button{margin-top:6px;}
.form-note{font-size:.8rem;color:var(--ink-soft);margin-top:4px;}
@media (max-width:880px){
  .quote-box{grid-template-columns:1fr;padding:30px 22px;}
}

/* ---------- FAQ accordion ---------- */
.faq-list{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:12px;}
.faq-item{
  border:1px solid var(--border);border-radius:8px;background:var(--white);overflow:hidden;
}
.faq-q{
  width:100%;text-align:left;background:none;border:none;cursor:pointer;
  padding:18px 20px;display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-weight:700;font-size:1rem;color:var(--ink);font-family:inherit;
}
.faq-q .num{color:var(--primary);font-weight:800;margin-right:10px;}
.faq-q .chev{transition:transform .25s ease;flex:0 0 18px;color:var(--primary);}
.faq-item.open .chev{transform:rotate(180deg);}
.faq-a{
  max-height:0;overflow:hidden;transition:max-height .3s ease;
  padding:0 20px;
}
.faq-item.open .faq-a{padding:0 20px 20px;}
.faq-a p{margin:0;font-size:.95rem;}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;}
.contact-info{display:flex;flex-direction:column;gap:22px;}
.info-card{display:flex;gap:16px;align-items:flex-start;}
.info-card .ic{
  flex:0 0 46px;width:46px;height:46px;border-radius:50%;background:var(--bg-soft);
  display:flex;align-items:center;justify-content:center;color:var(--primary);
}
.info-card .ic svg{width:22px;height:22px;}
.info-card h4{margin:0 0 4px;font-size:1rem;}
.info-card p{margin:0;font-size:.92rem;}
.map-wrap{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-top:8px;}
.map-wrap iframe{width:100%;height:280px;border:0;display:block;}
.contact-form-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);padding:34px;
}
@media (max-width:880px){.contact-grid{grid-template-columns:1fr;}}

/* ---------- CTA banner ---------- */
.cta-banner{
  background:linear-gradient(120deg, var(--primary-dark), var(--primary-light));
  color:var(--white);text-align:center;
}
.cta-banner h2{color:var(--white);font-size:clamp(1.5rem,2.8vw,2.1rem);}
.cta-banner p{color:rgba(255,255,255,.92);max-width:560px;margin:0 auto 26px;}

/* ---------- Footer ---------- */
.site-footer{background:#0e2433;color:#cfe3ee;padding:60px 0 0;}
.footer-grid{
  display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:40px;
  border-bottom:1px solid rgba(255,255,255,.1);
}
.footer-grid .logo-foot img{height:42px;margin-bottom:14px;filter:brightness(0) invert(1);}
.footer-grid p{color:#9db6c4;font-size:.92rem;}
.footer-grid h4{color:var(--white);font-size:1rem;margin-bottom:16px;}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:10px;}
.footer-links a{color:#b9cdd9;font-size:.92rem;}
.footer-links a:hover{color:var(--white);}
.footer-contact li{color:#b9cdd9;font-size:.92rem;margin-bottom:10px;display:flex;gap:10px;}
.footer-contact svg{flex:0 0 16px;width:16px;height:16px;margin-top:3px;color:var(--primary-light);}
.footer-bottom{
  padding:22px 0;text-align:center;font-size:.84rem;color:#7f99a8;
}

/* ---------- Stub / coming-soon page ---------- */
.stub-box{
  max-width:680px;margin:0 auto;text-align:center;background:var(--bg-soft);
  border-radius:var(--radius);padding:50px 36px;
}
.stub-box h2{font-size:1.5rem;}

/* ---------- Utility ---------- */
.text-center{text-align:center;}
.mt-0{margin-top:0;}
@media (max-width:600px){
  section{padding:54px 0;}
  .quote-box{padding:26px 18px;}
}