:root {
    --primary-navy: #0d1b2a;
    --secondary-navy: #1e3a5f;
    --accent-green: #32cd32;
    --light-bg: #f0f4f8;
    --text-gray: #6c757d;
}

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

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    color: #333;
    line-height: 1.6;
}

/* Navigation */
nav {
    background: var(--primary-navy);
    padding: 1rem 0;
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    /* color: white; */
    /* font-size: 1.5rem; */
    /* font-weight: bold; */
    /* display: flex; */
    /* align-items: center; */
    /* gap: 10px; */
    /* z-index: 1001; */
}
/* Logo Styling */
.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  height: 60px; /* Adjust depending on navbar height */
}

.logo img {
  height: 100%;
  width: auto;
  object-fit: contain;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

/* Hover Effect */
.logo:hover img {
  transform: scale(1.05);
  opacity: 0.9;
}

/* Optional: Smaller on mobile */
@media (max-width: 768px) {
  .logo {
    height: 45px;
  }
}

.nav-links {
    display: flex;
    gap: 2rem;
    list-style: none;
}

.nav-links a {
    color: rgba(255,255,255,0.8);
    text-decoration: none;
    transition: color 0.3s;
    font-size: 0.9rem;
}

.nav-links a:hover {
    color: var(--accent-green);
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 6px;
    z-index: 1001;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: white;
    border-radius: 2px;
    transition: all 0.3s;
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(10px, 10px);
}

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

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* Mobile Navigation */
@media (max-width: 768px) {
    .hamburger {
        display: flex;
    }

    .nav-links {
        position: fixed;
        left: -100%;
        top: 60px;
        flex-direction: column;
        background-color: var(--primary-navy);
        width: 100%;
        text-align: center;
        transition: 0.3s;
        box-shadow: 0 10px 27px rgba(0,0,0,0.05);
        gap: 0;
        padding: 2rem 0;
    }

    .nav-links.active {
        left: 0;
    }

    .nav-links a {
        display: block;
        padding: 1rem 0;
        border-bottom: 1px solid rgba(255,255,255,0.1);
    }

    .nav-links a:last-child {
        border-bottom: none;
    }
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
    color: white;
    padding: 140px 20px 80px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 400px;
    height: 400px;
    background: rgba(50,205,50,0.05);
    border-radius: 50%;
}

.hero h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 1rem;
    position: relative;
    z-index: 1;
}

.hero p {
    font-size: 1.2rem;
    opacity: 0.9;
    margin-bottom: 3rem;
    position: relative;
    z-index: 1;
}

.insurance-types {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1.5rem;
    margin-top: 3rem;
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
}

.insurance-card {
    background: white;
    border-radius: 12px;
    padding: 1.8rem;
    text-align: center;
    cursor: pointer;
    transition: all 0.3s;
    color: var(--primary-navy);
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

.insurance-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.2);
}

.insurance-card i {
    font-size: 2.5rem;
    color: var(--accent-green);
    margin-bottom: 1rem;
}

.insurance-card h3 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
    font-weight: 600;
}

.insurance-card p {
    font-size: 0.85rem;
    color: var(--text-gray);
}

/* Section Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

section {
    padding: 80px 0;
}

.section-title {
    font-size: 2.5rem;
    color: var(--primary-navy);
    text-align: center;
    margin-bottom: 1rem;
    font-weight: 700;
}

.section-subtitle {
    text-align: center;
    color: var(--text-gray);
    font-size: 1.1rem;
    margin-bottom: 3rem;
}

/* How It Works */
.how-it-works {
    background: white;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 3rem;
    margin-top: 3rem;
}

.step-card {
    text-align: center;
    animation: fadeInUp 0.6s ease-out;
}

.step-number {
    width: 70px;
    height: 70px;
    background: var(--accent-green);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    font-weight: bold;
    margin: 0 auto 1.5rem;
}

.step-card h4 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
    color: var(--primary-navy);
}

.step-card p {
    color: var(--text-gray);
}

/* Insurance 101 */
.insurance-101 {
    background: var(--light-bg);
}

.info-cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.info-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    transition: all 0.3s;
    animation: fadeInUp 0.6s ease-out;
}

.info-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
}

.info-card i {
    font-size: 2rem;
    color: var(--accent-green);
    margin-bottom: 1rem;
}

.info-card h4 {
    color: var(--primary-navy);
    margin-bottom: 0.5rem;
}

.info-card p {
    color: var(--text-gray);
    font-size: 0.9rem;
}

/* Quote Section */
.quote-section {
    background: linear-gradient(135deg, var(--secondary-navy) 0%, var(--primary-navy) 100%);
    color: white;
    text-align: center;
}

.quote-form {
    display: flex;
    gap: 1rem;
    max-width: 600px;
    margin: 2rem auto 0;
    flex-wrap: wrap;
    justify-content: center;
}

.quote-form input,
.quote-form select {
    padding: 12px 20px;
    border: none;
    border-radius: 6px;
    font-size: 1rem;
}

.quote-form input {
    flex: 1;
    min-width: 150px;
}

.quote-form select {
    min-width: 150px;
}

.btn {
    padding: 12px 30px;
    border: none;
    border-radius: 25px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s;
    font-size: 1rem;
    display: inline-block;
    text-decoration: none;
}

.btn-primary {
    background: var(--accent-green);
    color: white;
}

.btn-primary:hover {
    background: #28a428;
    transform: scale(1.05);
}

.btn-secondary {
    background: rgba(87, 76, 76, 0.39);
    color: white;
}

.btn-secondary:hover {
    background:  rgba(87, 76, 76, 0.603);
}

/* FAQ Section */
.faq-section {
    background: white;
}

.accordion {
    max-width: 700px;
    margin: 3rem auto 0;
}

.accordion-item {
    background: white;
    border: 1px solid #e9ecef;
    margin-bottom: 1rem;
    border-radius: 8px;
    overflow: hidden;
}

.accordion-header {
    background: var(--light-bg);
    padding: 1.5rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: all 0.3s;
}

.accordion-header:hover {
    background: #e9ecef;
}

.accordion-header h5 {
    margin: 0;
    color: var(--primary-navy);
    font-weight: 600;
}

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

.accordion-content.active {
    max-height: 500px;
}

.accordion-body {
    padding: 1.5rem;
    color: var(--text-gray);
}

/* Research Section */
.research-section {
    background: var(--light-bg);
}

.research-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.research-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    transition: all 0.3s;
    animation: fadeInUp 0.6s ease-out;
    display: flex;
    flex-direction: column;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
    position: relative;
    overflow: hidden;
}

.research-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-green), #28a428);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s ease;
}

.research-card:hover::before {
    transform: scaleX(1);
}

.research-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.1);
}

.badge {
    display: inline-block;
    background: var(--accent-green);
    color: white;
    padding: 0.5rem 1rem;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 1rem;
    width: fit-content;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.research-card h5 {
    color: var(--primary-navy);
    margin-bottom: 1rem;
    font-size: 1.2rem;
    line-height: 1.4;
    font-weight: 600;
}

.research-card p {
    color: var(--text-gray);
    font-size: 0.9rem;
    margin-bottom: 1rem;
    flex-grow: 1;
    line-height: 1.6;
}

.research-date {
    color: #999;
    font-size: 0.85rem;
    margin-bottom: 1.5rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.research-date::before {
    content: '';
    width: 4px;
    height: 4px;
    background: var(--accent-green);
    border-radius: 50%;
}

/* Research Learn More Button */
.research-learn-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    padding: 0.9rem 1.6rem;
    background: var(--accent-green);
    color: white;
    text-decoration: none;
    border-radius: 25px;
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    border: 2px solid var(--accent-green);
    align-self: flex-start;
    cursor: pointer;
}

.research-learn-btn:hover {
    background: white;
    color: var(--accent-green);
    transform: translateX(5px);
}

.research-learn-btn::after {
    content: '→';
    font-weight: bold;
    transition: transform 0.3s ease;
}

.research-learn-btn:hover::after {
    transform: translateX(3px);
}

/* Trust Section */
.trust-section {
    background: white;
}

.trust-items {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 3rem;
    margin-top: 3rem;
}

.trust-item {
    display: flex;
    gap: 1.5rem;
}

.trust-icon {
    width: 50px;
    height: 50px;
    background: var(--accent-green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    flex-shrink: 0;
}

.trust-content h5 {
    color: var(--primary-navy);
    margin-bottom: 0.5rem;
}

.trust-content p {
    color: var(--text-gray);
    font-size: 0.95rem;
}

/* Team Section */
.team-section {
    background: var(--light-bg);
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.team-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    text-align: center;
    transition: all 0.3s;
    animation: fadeInUp 0.6s ease-out;
}

.team-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.1);
}

.team-avatar {
    width: 100px;
    height: 100px;
    background: var(--accent-green);
    border-radius: 50%;
    margin: 0 auto 1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    color: white;
}

.team-card h5 {
    color: var(--primary-navy);
    margin-bottom: 0.3rem;
}

.team-card p {
    color: var(--text-gray);
    font-size: 0.9rem;
}

/* Blog Hero */
.blog-hero {
    background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
    color: white;
    padding: 140px 20px 60px;
    text-align: center;
}

.blog-hero h1 {
    font-size: 2.8rem;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.blog-meta {
    display: flex;
    justify-content: center;
    gap: 2rem;
    flex-wrap: wrap;
    opacity: 0.9;
    margin-bottom: 1rem;
}

.meta-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

/* Blog Content */
.blog-content {
    padding: 60px 0;
}

.blog-post {
    background: white;
    border-radius: 12px;
    padding: 3rem;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

.blog-post h2 {
    color: var(--primary-navy);
    font-size: 1.8rem;
    margin-top: 2.5rem;
    margin-bottom: 1.5rem;
}

.blog-post h3 {
    color: var(--secondary-navy);
    font-size: 1.3rem;
    margin-top: 2rem;
    margin-bottom: 1rem;
}

.blog-post p {
    color: #555;
    margin-bottom: 1.5rem;
    line-height: 1.8;
}

.blog-post ul, .blog-post ol {
    margin-left: 2rem;
    margin-bottom: 1.5rem;
}

.blog-post li {
    margin-bottom: 0.8rem;
    line-height: 1.8;
    color: #555;
}

.highlight-box {
    background: var(--light-bg);
    border-left: 4px solid var(--accent-green);
    padding: 1.5rem;
    margin: 2rem 0;
    border-radius: 8px;
}

.highlight-box strong {
    color: var(--primary-navy);
}

.cost-table {
    width: 100%;
    border-collapse: collapse;
    margin: 2rem 0;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}

.cost-table th {
    background: var(--primary-navy);
    color: white;
    padding: 1rem;
    text-align: left;
    font-weight: 600;
}

.cost-table td {
    padding: 1rem;
    border-bottom: 1px solid #e9ecef;
}

.cost-table tr:nth-child(even) {
    background: var(--light-bg);
}

.cost-table tr:last-child td {
    border-bottom: none;
}

.factors-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.factor-card {
    background: white;
    border: 1px solid #e9ecef;
    border-radius: 8px;
    padding: 1.5rem;
    transition: all 0.3s;
}

.factor-card:hover {
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
    border-color: var(--accent-green);
}

.factor-card i {
    color: var(--accent-green);
    font-size: 1.8rem;
    margin-bottom: 1rem;
}

.factor-card h4 {
    color: var(--primary-navy);
    margin-bottom: 0.5rem;
}

.factor-card p {
    font-size: 0.9rem;
    color: var(--text-gray);
    margin: 0;
}

.cta-box {
    background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
    color: white;
    padding: 2rem;
    border-radius: 12px;
    text-align: center;
    margin: 3rem 0;
}

.cta-box h3 {
    color: white;
    margin-top: 0;
}

.related-articles {
    background: var(--light-bg);
    padding: 2rem;
    border-radius: 12px;
    margin-top: 3rem;
}

.related-articles h3 {
    color: var(--primary-navy);
    margin-top: 0;
}

.article-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
    margin-top: 1.5rem;
}

.article-link {
    background: white;
    padding: 1.5rem;
    border-radius: 8px;
    text-decoration: none;
    color: var(--primary-navy);
    transition: all 0.3s;
    border: 1px solid #e9ecef;
}

.article-link:hover {
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
    color: var(--accent-green);
}

.article-link i {
    color: var(--accent-green);
    margin-right: 0.5rem;
}

/* Footer */
footer {
    background: var(--primary-navy);
    color: white;
    padding: 60px 0 30px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

footer h5 {
    color: var(--accent-green);
    margin-bottom: 1rem;
}

footer ul {
    list-style: none;
}

footer ul li {
    margin-bottom: 0.5rem;
}

footer a {
    color: rgba(255,255,255,0.7);
    text-decoration: none;
    transition: color 0.3s;
}

footer a:hover {
    color: var(--accent-green);
}
 

.footer-bottom {  
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-bottom p, .footer-bottom a {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
}
.footer-contact {
    border-top: 1px solid rgba(255,255,255,0.1);
    border-bottom: 1px solid rgba(255,255,255,0.1);
    padding: 1.5rem 0;
    margin-bottom: 2rem;
    text-align: center;
}

.footer-contact p {
    margin: 0.5rem 0;
    color: rgba(255,255,255,0.8);
    font-size: 0.95rem;
}

.footer-contact a {
    color: var(--accent-green);
    text-decoration: none;
}

.footer-contact a:hover {
    text-decoration: underline;
}

/* Modal */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.5);
    z-index: 2000;
    align-items: center;
    justify-content: center;
}

.modal.active {
    display: flex;
}

.modal-content {
    background: white;
    border-radius: 15px;
    width: 90%;
    max-width: 500px;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: 0 20px 60px rgba(0,0,0,0.3);
    animation: slideUp 0.3s ease-out;
}

.modal-header {
    background: var(--primary-navy);
    color: white;
    padding: 2rem;
    border-radius: 15px 15px 0 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.modal-close {
    background: none;
    border: none;
    color: white;
    font-size: 1.5rem;
    cursor: pointer;
}

.modal-body {
    padding: 2rem;
}

.form-step {
    display: none;
}

.form-step.active {
    display: block;
    animation: fadeIn 0.3s ease-out;
}

.progress-bar {
    height: 6px;
    background: #e9ecef;
    border-radius: 10px;
    margin-bottom: 2rem;
    overflow: hidden;
}

.progress-fill {
    height: 100%;
    background: var(--accent-green);
    width: 25%;
    transition: width 0.3s;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    color: var(--primary-navy);
    font-weight: 600;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid #ddd;
    border-radius: 6px;
    font-size: 1rem;
    font-family: inherit;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent-green);
    box-shadow: 0 0 0 3px rgba(50,205,50,0.1);
}

.insurance-options {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.option-card {
    border: 2px solid #ddd;
    border-radius: 8px;
    padding: 1rem;
    text-align: center;
    cursor: pointer;
    transition: all 0.3s;
}

.option-card:hover {
    border-color: var(--accent-green);
    background: rgba(50,205,50,0.05);
}

.option-card.selected {
    border-color: var(--accent-green);
    background: rgba(50,205,50,0.1);
}

.option-card i {
    font-size: 2rem;
    color: var(--accent-green);
    margin-bottom: 0.5rem;
}

.form-buttons {
    display: flex;
    gap: 1rem;
    margin-top: 2rem;
}

.form-buttons .btn {
    flex: 1;
}
   /* State Grid */
        .state-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 1.5rem;
            margin: 2rem 0;
        }

        .state-card {
            background: white;
            border: 1px solid #e0e0e0;
            border-radius: 8px;
            padding: 1.5rem;
            box-shadow: 0 2px 5px rgba(0,0,0,0.05);
            transition: transform 0.3s, box-shadow 0.3s;
        }

        .state-card:hover {
            transform: translateY(-5px);
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
        }

        .state-card h4 {
            color: #2c3e50;
            margin-bottom: 0.5rem;
        }

        .state-card .price {
            font-size: 1.8rem;
            color: #3498db;
            font-weight: bold;
            margin: 0.5rem 0;
        }

        .state-card .price-note {
            font-size: 0.9rem;
            color: #777;
        }
/* Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

@keyframes slideUp {
    from {
        transform: translateY(50px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

/* Mobile Responsive */
@media (max-width: 768px) {
    .hero h1 {
        font-size: 2rem;
    }

    .section-title {
        font-size: 2rem;
    }

    .quote-form {
        flex-direction: column;
    }

    .quote-form input,
    .quote-form select {
        width: 100%;
    }

    .insurance-types {
        grid-template-columns: repeat(2, 1fr);
        gap: 1rem;
    }

    .insurance-card {
        padding: 1.2rem;
    }

    .insurance-card i {
        font-size: 2rem;
    }

    .insurance-card h3 {
        font-size: 1rem;
    }

    .insurance-card p {
        font-size: 0.8rem;
    }

    .research-cards {
        grid-template-columns: 1fr;
    }

    .research-card {
        padding: 1.5rem;
    }

    .research-card h5 {
        font-size: 1.1rem;
    }

    .research-learn-btn {
        padding: 0.8rem 1.4rem;
        font-size: 0.9rem;
        width: 100%;
        justify-content: center;
    }

    .blog-hero h1 {
        font-size: 2rem;
    }

    .blog-post {
        padding: 2rem 1rem;
    }

    .blog-meta {
        flex-direction: column;
        gap: 1rem;
    }

    .cost-table {
        font-size: 0.9rem;
    }

    .cost-table th, .cost-table td {
        padding: 0.8rem;
    }
}