/* ============================================================
   MAY INSURANCE ADVISOR — SHARED STYLES
   Sanlam Allianz Nigeria · Premium financial advisory website
   ============================================================ */

:root{
  --navy:#0B3D91;
  --navy-dark:#082A66;
  --navy-deep:#051A45;
  --gold:#C9A227;
  --gold-light:#FFF4CC;
  --gold-dark:#A8851C;
  --cream:#FFFBF0;
  --ink:#0F172A;
  --ink-mid:#334155;
  --ink-soft:#64748B;
  --grey:#F1F5F9;
  --grey-line:#E2E8F0;
  --white:#FFFFFF;
  --whatsapp:#25D366;
  --whatsapp-dark:#128C7E;
  --success:#16A34A;
  --danger:#DC2626;

  --shadow-sm:0 1px 2px rgba(15,23,42,.06);
  --shadow-md:0 4px 14px rgba(15,23,42,.06),0 1px 3px rgba(15,23,42,.04);
  --shadow-lg:0 10px 30px rgba(15,23,42,.08),0 4px 8px rgba(15,23,42,.04);
  --shadow-xl:0 20px 50px rgba(11,61,145,.12),0 8px 16px rgba(15,23,42,.06);
  --shadow-gold:0 16px 40px rgba(201,162,39,.18);

  --radius-sm:8px;
  --radius:14px;
  --radius-lg:20px;
  --radius-xl:28px;

  --container:1180px;
  --container-narrow:780px;
  --container-wide:1280px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'SF Pro Display','Segoe UI',Roboto,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy);text-decoration:none;transition:color .2s ease}
a:hover{color:var(--gold-dark)}
button{font-family:inherit;cursor:pointer}
::selection{background:var(--gold-light);color:var(--navy)}

.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 20px}
.container-narrow{width:100%;max-width:var(--container-narrow);margin:0 auto;padding:0 20px}
.container-wide{width:100%;max-width:var(--container-wide);margin:0 auto;padding:0 20px}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
.h-display{
  font-size:clamp(34px,5.5vw,62px);
  line-height:1.05;font-weight:800;letter-spacing:-0.025em;
  color:var(--ink);
}
.h1{
  font-size:clamp(28px,4vw,44px);
  line-height:1.15;font-weight:800;letter-spacing:-0.02em;
  color:var(--ink);
}
.h2{
  font-size:clamp(24px,3vw,36px);
  line-height:1.2;font-weight:800;letter-spacing:-0.018em;
  color:var(--ink);
}
.h3{font-size:22px;line-height:1.3;font-weight:700;color:var(--ink)}
.h4{font-size:18px;line-height:1.35;font-weight:700;color:var(--ink)}
.lede{font-size:18px;line-height:1.55;color:var(--ink-mid);font-weight:400}
.lede-sm{font-size:16px;line-height:1.6;color:var(--ink-mid)}
em.accent{font-style:normal;color:var(--navy)}
em.gold{font-style:normal;color:var(--gold-dark)}
.text-center{text-align:center}
.text-soft{color:var(--ink-soft)}

/* Eyebrow / pre-headline label */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:12px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;
  color:var(--navy);
}
.eyebrow::before{
  content:"";width:18px;height:2px;background:var(--gold);border-radius:2px;
}
.eyebrow.on-dark{color:var(--gold-light)}
.eyebrow.on-dark::before{background:var(--gold)}

/* Section padding */
.section{padding:72px 0;position:relative}
.section-sm{padding:48px 0}
.section-lg{padding:96px 0}
.section-grey{background:var(--grey)}
.section-cream{background:var(--cream)}
.section-dark{background:var(--navy);color:var(--white)}
.section-dark .h1,.section-dark .h2,.section-dark .h3{color:var(--white)}
.section-dark .lede,.section-dark p{color:#CBD5E1}
.section-gradient{
  background:linear-gradient(180deg,var(--white) 0%,#F8FAFF 100%);
}

/* ============================================================
   NAV (shared)
   ============================================================ */
.site-nav{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--grey-line);
  transition:box-shadow .25s ease;
}
.site-nav.scrolled{box-shadow:0 2px 12px rgba(15,23,42,.06)}
.nav-inner{
  display:flex;align-items:center;justify-content:space-between;gap:24px;
  padding:14px 20px;max-width:var(--container);margin:0 auto;
}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:16px;letter-spacing:-.01em}
.brand-mark{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:var(--white);display:flex;align-items:center;justify-content:center;
  font-weight:800;font-size:14px;letter-spacing:.5px;
  box-shadow:inset 0 -2px 0 var(--gold);
}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text small{font-size:11px;font-weight:500;color:var(--ink-soft);letter-spacing:.3px}

.nav-links{
  display:none;list-style:none;align-items:center;gap:6px;
}
.nav-links a{
  display:inline-block;padding:8px 14px;border-radius:8px;
  font-size:14.5px;font-weight:600;color:var(--ink-mid);
}
.nav-links a:hover{background:var(--grey);color:var(--navy)}
.nav-links a.active{color:var(--navy);background:rgba(11,61,145,.06)}

.nav-cta{display:none}
.nav-cta .btn{padding:10px 16px;font-size:14px}

.nav-toggle{
  display:flex;align-items:center;justify-content:center;
  width:42px;height:42px;background:transparent;border:1px solid var(--grey-line);
  border-radius:10px;color:var(--navy);
}
.nav-toggle svg{width:20px;height:20px}

.nav-drawer{
  position:fixed;inset:0 0 0 auto;width:88%;max-width:340px;
  background:var(--white);box-shadow:-12px 0 40px rgba(15,23,42,.18);
  padding:84px 24px 32px;transform:translateX(110%);transition:transform .3s cubic-bezier(.4,0,.2,1);
  z-index:99;overflow-y:auto;
}
.nav-drawer.open{transform:translateX(0)}
.nav-drawer ul{list-style:none;display:flex;flex-direction:column;gap:2px}
.nav-drawer a{
  display:block;padding:14px 16px;border-radius:10px;
  font-size:16px;font-weight:600;color:var(--ink);
}
.nav-drawer a:hover,.nav-drawer a.active{background:var(--grey);color:var(--navy)}
.nav-drawer .drawer-cta{margin-top:18px;display:flex;flex-direction:column;gap:10px}

.nav-backdrop{
  position:fixed;inset:0;background:rgba(15,23,42,.40);
  opacity:0;pointer-events:none;transition:opacity .25s ease;z-index:98;
}
.nav-backdrop.show{opacity:1;pointer-events:auto}

@media (min-width:880px){
  .nav-links{display:flex}
  .nav-cta{display:flex;gap:10px;align-items:center}
  .nav-toggle{display:none}
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:14px 22px;border-radius:12px;font-weight:700;font-size:15.5px;
  border:none;cursor:pointer;text-decoration:none;transition:all .2s ease;
  white-space:nowrap;line-height:1.2;
}
.btn-primary{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:var(--white);box-shadow:0 8px 20px rgba(11,61,145,.25);
}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 12px 28px rgba(11,61,145,.32);color:var(--white)}
.btn-secondary{
  background:var(--white);color:var(--navy);
  border:1.5px solid var(--navy);
}
.btn-secondary:hover{background:var(--navy);color:var(--white);transform:translateY(-1px)}
.btn-gold{
  background:linear-gradient(135deg,var(--gold) 0%,var(--gold-dark) 100%);
  color:var(--navy);box-shadow:0 8px 20px rgba(201,162,39,.30);
}
.btn-gold:hover{transform:translateY(-1px);box-shadow:0 12px 28px rgba(201,162,39,.40);color:var(--navy)}
.btn-whatsapp{
  background:var(--whatsapp);color:var(--white);box-shadow:0 8px 20px rgba(37,211,102,.28);
}
.btn-whatsapp:hover{background:var(--whatsapp-dark);transform:translateY(-1px);color:var(--white)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--grey-line)}
.btn-ghost:hover{border-color:var(--navy);background:var(--white)}
.btn-on-dark{background:var(--white);color:var(--navy);border:none}
.btn-on-dark:hover{background:var(--gold);color:var(--navy)}
.btn-on-dark-ghost{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.4)}
.btn-on-dark-ghost:hover{background:rgba(255,255,255,.10);border-color:var(--white);color:var(--white)}
.btn-lg{padding:18px 28px;font-size:16.5px;border-radius:14px}
.btn-block{display:flex;width:100%}

.btn-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.btn-row.center{justify-content:center}

/* ============================================================
   CARDS
   ============================================================ */
.card{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius-lg);
  padding:24px;box-shadow:var(--shadow-md);transition:all .25s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:rgba(11,61,145,.18)}
.card-gold{border-color:var(--gold);box-shadow:var(--shadow-gold)}
.card-flat{box-shadow:none}

.card-icon{
  width:52px;height:52px;border-radius:14px;
  background:linear-gradient(135deg,var(--gold-light) 0%,var(--white) 100%);
  border:1px solid var(--gold);
  color:var(--navy);display:flex;align-items:center;justify-content:center;
  font-size:24px;margin-bottom:16px;
}
.card-icon.icon-navy{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:var(--gold);border:none}
.card-icon svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;overflow:hidden;
  padding:64px 0 56px;
  background:
    radial-gradient(ellipse at 90% 0%,rgba(201,162,39,.10),transparent 50%),
    radial-gradient(ellipse at 10% 100%,rgba(11,61,145,.06),transparent 50%),
    linear-gradient(180deg,var(--white) 0%,#F7FAFF 100%);
}
.hero-grid{
  display:grid;gap:32px;grid-template-columns:1fr;align-items:center;
}
.hero-text .eyebrow{margin-bottom:16px}
.hero-text .h-display{margin-bottom:18px}
.hero-text .lede{margin-bottom:26px}
.hero-cta{display:flex;flex-direction:column;gap:10px;margin-bottom:26px}
.hero-visual{position:relative}
.hero-visual-card{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius-xl);
  padding:24px;box-shadow:var(--shadow-xl);
}
@media (min-width:880px){
  .hero{padding:96px 0 88px}
  .hero-grid{grid-template-columns:1.1fr 1fr;gap:56px}
  .hero-cta{flex-direction:row}
}

/* Trust strip (under hero CTAs) */
.trust-strip{
  display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;font-size:13px;color:var(--ink-soft);
}
.trust-strip span{display:inline-flex;align-items:center;gap:7px;font-weight:500}
.trust-strip .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0}

/* ============================================================
   FOUR-PILLAR TRUST ROW
   ============================================================ */
.pillar-grid{display:grid;gap:14px;grid-template-columns:1fr 1fr;margin-top:36px}
.pillar{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius);
  padding:18px;text-align:left;transition:all .2s ease;
}
.pillar:hover{border-color:var(--gold);transform:translateY(-2px)}
.pillar .p-icon{font-size:24px;margin-bottom:8px;display:block}
.pillar h4{font-size:14.5px;color:var(--ink);font-weight:700;margin-bottom:3px}
.pillar p{font-size:13px;color:var(--ink-soft);line-height:1.5}
@media (min-width:680px){
  .pillar-grid{grid-template-columns:1fr 1fr 1fr 1fr}
}

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-head{text-align:center;max-width:680px;margin:0 auto 44px}
.section-head .eyebrow{justify-content:center;margin-bottom:14px}
.section-head .eyebrow::before{display:none}
.section-head .eyebrow{display:inline-flex;position:relative;padding-left:26px}
.section-head .eyebrow::after{
  content:"";position:absolute;left:0;top:50%;width:18px;height:2px;
  background:var(--gold);border-radius:2px;transform:translateY(-50%);
}
.section-head .h2{margin-bottom:14px}
.section-head .lede{margin:0 auto}
.section-head.left{text-align:left;margin-left:0;margin-right:0;max-width:none}
.section-head.left .eyebrow{justify-content:flex-start}

/* ============================================================
   SERVICE GRID
   ============================================================ */
.service-grid{display:grid;gap:20px;grid-template-columns:1fr}
@media (min-width:680px){.service-grid{grid-template-columns:1fr 1fr}}
@media (min-width:1000px){.service-grid{grid-template-columns:1fr 1fr 1fr}}

.service-card{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius-lg);
  padding:28px 26px;transition:all .25s ease;position:relative;overflow:hidden;
}
.service-card::after{
  content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--navy));
  opacity:0;transition:opacity .25s ease;
}
.service-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:rgba(11,61,145,.18)}
.service-card:hover::after{opacity:1}
.service-card h3{font-size:19px;color:var(--navy);font-weight:800;margin-bottom:8px}
.service-card p{font-size:14.5px;color:var(--ink-mid);line-height:1.55;margin-bottom:14px}
.service-card .link{font-size:13.5px;font-weight:700;color:var(--navy);display:inline-flex;align-items:center;gap:6px;transition:gap .2s ease}
.service-card:hover .link{gap:10px;color:var(--gold-dark)}

/* ============================================================
   FAQ
   ============================================================ */
.faq-list{display:flex;flex-direction:column;gap:10px;margin-top:32px;max-width:760px;margin-left:auto;margin-right:auto}
.faq-item{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius);
  overflow:hidden;transition:border-color .2s ease;
}
.faq-item:hover{border-color:rgba(11,61,145,.20)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:18px 22px;
  font-size:16px;font-weight:700;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:16px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"+";font-size:24px;color:var(--navy);font-weight:300;line-height:1;
  transition:transform .2s ease;
}
.faq-item[open] summary::after{content:"–"}
.faq-item[open]{border-color:var(--navy);box-shadow:0 4px 14px rgba(11,61,145,.10)}
.faq-item p{padding:0 22px 20px;color:var(--ink-mid);font-size:15px;line-height:1.6}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testi-grid{display:grid;gap:20px;grid-template-columns:1fr;margin-top:32px}
@media (min-width:760px){.testi-grid{grid-template-columns:1fr 1fr 1fr}}
.testi{
  background:var(--white);border:1px solid var(--grey-line);border-radius:var(--radius-lg);
  padding:24px;position:relative;
}
.testi::before{
  content:"\201C";position:absolute;top:-12px;left:18px;
  font-size:80px;color:var(--gold);font-family:Georgia,serif;line-height:1;font-weight:700;
}
.testi .stars{color:var(--gold);font-size:15px;margin-bottom:10px;letter-spacing:1px;margin-top:18px}
.testi .quote{font-size:15.5px;color:var(--ink);line-height:1.6;margin-bottom:18px;font-weight:500}
.testi .who{display:flex;align-items:center;gap:12px;padding-top:14px;border-top:1px solid var(--grey-line)}
.avatar{
  width:44px;height:44px;border-radius:50%;flex-shrink:0;
  background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  color:var(--white);display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:15px;
}
.who .name{font-size:14.5px;font-weight:700;color:var(--ink)}
.who .role{font-size:12.5px;color:var(--ink-soft)}

/* ============================================================
   CTA SECTIONS (large band)
   ============================================================ */
.cta-band{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 50%,var(--navy-deep) 100%);
  color:var(--white);padding:64px 0;position:relative;overflow:hidden;
}
.cta-band::before{
  content:"";position:absolute;top:-50%;right:-15%;width:520px;height:520px;
  background:radial-gradient(circle,rgba(201,162,39,.18) 0%,transparent 60%);
  border-radius:50%;
}
.cta-band::after{
  content:"";position:absolute;bottom:-30%;left:-10%;width:380px;height:380px;
  background:radial-gradient(circle,rgba(255,255,255,.06) 0%,transparent 60%);
  border-radius:50%;
}
.cta-band .container{position:relative;z-index:1;text-align:center}
.cta-band .h2{color:var(--white);margin-bottom:14px}
.cta-band .lede{color:#CBD5E1;margin:0 auto 26px;max-width:560px}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:var(--ink);color:#94A3B8;padding:60px 0 24px;font-size:14px}
.site-footer a{color:#CBD5E1;font-size:14px}
.site-footer a:hover{color:var(--gold)}
.footer-grid{display:grid;gap:36px;grid-template-columns:1fr;padding-bottom:36px;border-bottom:1px solid #1E293B}
.footer-brand{font-weight:800;color:var(--white);font-size:18px;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-brand .brand-mark{width:36px;height:36px;font-size:13px}
.footer-tagline{color:#94A3B8;font-size:14px;line-height:1.6;margin-bottom:18px;max-width:340px}
.footer-col h5{
  font-size:12px;letter-spacing:.8px;text-transform:uppercase;
  color:var(--gold);font-weight:700;margin-bottom:16px;
}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-social{display:flex;gap:10px;margin-top:14px}
.footer-social a{
  width:38px;height:38px;border-radius:10px;background:#1E293B;
  display:flex;align-items:center;justify-content:center;
  color:#CBD5E1;transition:all .2s ease;
}
.footer-social a:hover{background:var(--gold);color:var(--navy);transform:translateY(-2px)}
.footer-social svg{width:18px;height:18px;fill:currentColor}
.footer-bottom{
  padding-top:22px;display:flex;flex-direction:column;gap:12px;
  align-items:center;text-align:center;font-size:12.5px;color:#64748B;
}
.footer-bottom .legal{max-width:760px;line-height:1.6}
@media (min-width:760px){
  .footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr}
  .footer-bottom{flex-direction:row;justify-content:space-between;text-align:left}
}

/* ============================================================
   STICKY WHATSAPP (global)
   ============================================================ */
.sticky-wa{
  position:fixed;bottom:22px;right:22px;z-index:90;
  width:58px;height:58px;border-radius:50%;
  background:var(--whatsapp);color:var(--white);
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 12px 28px rgba(37,211,102,.45);
  transition:transform .2s ease;
}
.sticky-wa:hover{transform:scale(1.08);color:var(--white)}
.sticky-wa svg{width:30px;height:30px;fill:currentColor}
.sticky-wa::before{
  content:"";position:absolute;inset:-6px;border-radius:50%;
  background:rgba(37,211,102,.30);z-index:-1;
  animation:waPulse 2.4s infinite;
}
@keyframes waPulse{0%{transform:scale(1);opacity:.6}100%{transform:scale(1.4);opacity:0}}

/* ============================================================
   FORMS
   ============================================================ */
.form{display:flex;flex-direction:column;gap:16px}
.form-row{display:flex;flex-direction:column;gap:6px}
.form label{font-size:13px;font-weight:600;color:var(--ink-mid)}
.form input,.form textarea,.form select{
  width:100%;padding:14px 16px;border:1.5px solid var(--grey-line);
  border-radius:12px;font-size:15px;color:var(--ink);background:var(--white);
  font-family:inherit;transition:all .2s ease;
}
.form input:focus,.form textarea:focus,.form select:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,61,145,.10);
}
.form textarea{min-height:120px;resize:vertical;line-height:1.5}
.form-actions{display:flex;flex-direction:column;gap:10px;margin-top:6px}
@media (min-width:600px){.form-actions{flex-direction:row}.form-actions .btn{flex:1}}

/* ============================================================
   UTILITY / ANIMATIONS
   ============================================================ */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.visible{opacity:1;transform:none}
.divider{width:60px;height:3px;background:var(--gold);border-radius:3px;margin:20px 0}
.divider.center{margin:20px auto}
.kpi{display:flex;flex-direction:column;align-items:center;text-align:center;padding:14px}
.kpi-num{font-size:36px;font-weight:800;color:var(--navy);line-height:1;margin-bottom:6px;letter-spacing:-.01em}
.kpi-label{font-size:13px;color:var(--ink-soft);font-weight:600;text-transform:uppercase;letter-spacing:.5px}

/* Skip link for accessibility */
.skip-link{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:8px 16px;border-radius:8px;z-index:200;font-weight:600}
.skip-link:focus{left:8px;color:#fff}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;transition-duration:.01ms !important;animation-iteration-count:1 !important}
  .reveal{opacity:1;transform:none}
}