/* ============================================================
   Payne Professional Assurance — Styles
   Palette: Deep navy + medal gold + warm cream
   ============================================================ */

:root {
  --navy:       #0e2148;
  --navy-deep:  #08152f;
  --navy-soft:  #1a2c5a;
  --gold:       #c69a32;
  --gold-bright:#d4a437;
  --gold-soft:  #f4d77a;
  --cream:      #faf7ef;
  --cream-warm: #f3ecd9;
  --ink:        #1a1f2e;
  --ink-soft:   #4a5466;
  --rule:       #e3dcc7;
  --white:      #ffffff;

  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-sm: 0 1px 3px rgba(8, 21, 47, 0.08), 0 1px 2px rgba(8, 21, 47, 0.04);
  --shadow-md: 0 8px 24px rgba(8, 21, 47, 0.10), 0 2px 6px rgba(8, 21, 47, 0.06);
  --shadow-lg: 0 20px 48px rgba(8, 21, 47, 0.14), 0 4px 12px rgba(8, 21, 47, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--gold); }

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  margin: 0 0 .4em;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.2rem, 4.5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }

em { font-style: italic; color: var(--gold); }

p { margin: 0 0 1em; }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ────────────────────────────────────────────
   BUTTONS
   ──────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .85rem 1.6rem;
  font-family: var(--sans);
  font-size: .98rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  border-radius: 4px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all .2s ease;
  text-align: center;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-bright);
  border-color: var(--gold-bright);
  color: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover {
  background: var(--navy);
  color: var(--cream);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--rule);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.btn-full { width: 100%; }

/* ────────────────────────────────────────────
   HEADER
   ──────────────────────────────────────────── */
.site-header {
  background: var(--cream);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(10px);
  background: rgba(250, 247, 239, 0.94);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.5rem;
  gap: 1rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: .85rem;
  color: var(--navy);
}
.logo:hover { color: var(--navy); }
.logo-mark {
  width: 48px;
  height: 48px;
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.logo-name {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
}
.logo-tagline {
  font-size: .72rem;
  color: var(--ink-soft);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.header-nav {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}
.header-nav a {
  font-size: .94rem;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: 0.01em;
}
.header-nav a:hover { color: var(--gold); }
.header-cta {
  background: var(--navy);
  color: var(--cream) !important;
  padding: .55rem 1.1rem;
  border-radius: 4px;
  font-weight: 600;
}
.header-cta:hover {
  background: var(--gold);
  color: var(--navy-deep) !important;
}

@media (max-width: 720px) {
  .logo-tagline { display: none; }
  .header-nav { gap: .9rem; }
  .header-nav a:not(.header-cta) { display: none; }
}

/* ────────────────────────────────────────────
   HERO
   ──────────────────────────────────────────── */
.hero {
  background:
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-soft) 100%);
  color: var(--cream);
  padding: 5rem 0 6rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(212, 164, 55, 0.15) 0%, transparent 50%),
    radial-gradient(circle at 10% 80%, rgba(212, 164, 55, 0.08) 0%, transparent 40%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent 0%, var(--gold) 30%, var(--gold) 70%, transparent 100%);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-text { color: var(--cream); }
.hero-eyebrow {
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin: 0 0 1.2rem;
}
.hero h1 {
  color: var(--cream);
  margin-bottom: 1.2rem;
}
.hero h1 em {
  color: var(--gold-bright);
  font-style: italic;
  display: block;
}
.hero-sub {
  font-size: 1.15rem;
  line-height: 1.6;
  color: rgba(250, 247, 239, 0.85);
  margin-bottom: 2rem;
  max-width: 38rem;
}
.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.hero .btn-secondary {
  border-color: var(--cream);
  color: var(--cream);
}
.hero .btn-secondary:hover {
  background: var(--cream);
  color: var(--navy-deep);
}
.hero-badges {
  display: flex;
  gap: .8rem;
  flex-wrap: wrap;
}
.badge {
  display: inline-flex;
  align-items: center;
  padding: .4rem .9rem;
  background: rgba(212, 164, 55, 0.12);
  border: 1px solid rgba(212, 164, 55, 0.4);
  color: var(--gold-soft);
  font-size: .82rem;
  font-weight: 500;
  border-radius: 99px;
  letter-spacing: 0.02em;
}

.hero-photo {
  position: relative;
}
.hero-img {
  width: 100%;
  max-width: 460px;
  margin-left: auto;
  border-radius: 4px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(212, 164, 55, 0.3);
  filter: contrast(1.02) saturate(0.95);
}
.hero-photo-caption {
  display: flex;
  flex-direction: column;
  margin-top: 1.2rem;
  padding-left: 1rem;
  border-left: 3px solid var(--gold);
  max-width: 460px;
  margin-left: auto;
}
.hero-photo-caption strong {
  font-family: var(--serif);
  font-size: 1.15rem;
  color: var(--cream);
}
.hero-photo-caption span {
  font-size: .88rem;
  color: var(--gold-soft);
  letter-spacing: 0.03em;
}

@media (max-width: 900px) {
  .hero { padding: 3rem 0 4rem; }
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-photo { order: -1; max-width: 320px; margin: 0 auto; }
  .hero-photo-caption { margin-left: 0; }
}

/* ────────────────────────────────────────────
   TRUST BAR
   ──────────────────────────────────────────── */
.trust-bar {
  background: var(--cream-warm);
  border-bottom: 1px solid var(--rule);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  padding: 1.6rem 1.5rem;
  gap: 1rem;
  flex-wrap: wrap;
}
.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.trust-stat strong {
  font-family: var(--serif);
  font-size: 2rem;
  color: var(--navy);
  line-height: 1;
  margin-bottom: .3rem;
}
.trust-stat span {
  font-size: .82rem;
  color: var(--ink-soft);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 500;
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: var(--rule);
}
@media (max-width: 720px) {
  .trust-divider { display: none; }
}

/* ────────────────────────────────────────────
   SECTION HEADERS
   ──────────────────────────────────────────── */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem;
}
.section-eyebrow {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 .8rem;
}
.section-sub {
  font-size: 1.08rem;
  color: var(--ink-soft);
  margin: .6rem 0 0;
}

/* ────────────────────────────────────────────
   SERVICES
   ──────────────────────────────────────────── */
.services { padding: 5.5rem 0; background: var(--cream); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 1.4rem;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: 6px;
  padding: 2rem 1.8rem;
  position: relative;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.service-card-featured {
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-deep) 100%);
  border-color: var(--navy);
  color: var(--cream);
}
.service-card-featured h3,
.service-card-featured p { color: var(--cream); }
.service-card-featured p { color: rgba(250, 247, 239, 0.82); }
.service-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: var(--cream-warm);
  color: var(--gold);
  border-radius: 6px;
  margin-bottom: 1.2rem;
}
.service-card-featured .service-icon {
  background: rgba(212, 164, 55, 0.15);
  color: var(--gold-bright);
}
.service-badge {
  position: absolute;
  top: 1.2rem;
  right: 1.2rem;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: .25rem .6rem;
  border-radius: 99px;
}
.service-card h3 { margin-bottom: .6rem; }
.service-card p { margin: 0; font-size: .95rem; line-height: 1.6; }

/* ────────────────────────────────────────────
   EXPERIENCE / TIMELINE
   ──────────────────────────────────────────── */
.experience {
  padding: 5.5rem 0;
  background: var(--white);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.clients-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: .8rem;
  margin-bottom: 4rem;
}
.client-card {
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--gold);
  padding: 1rem 1.2rem;
  font-family: var(--serif);
  font-weight: 600;
  color: var(--navy);
  font-size: 1rem;
  text-align: center;
  transition: all .2s ease;
}
.client-card:hover {
  background: var(--white);
  border-left-color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.timeline {
  max-width: 780px;
  margin: 0 auto;
}
.timeline-item {
  display: grid;
  grid-template-columns: 5rem 1fr;
  column-gap: 1.5rem;
  align-items: start;
}
.timeline-year {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--gold);
  text-align: right;
  padding-top: 0;
  line-height: 1.2;
}
.timeline-body {
  position: relative;
  padding: 0 0 2.5rem 2rem;
  border-left: 2px solid var(--rule);
}
.timeline-item:last-child .timeline-body {
  padding-bottom: 0;
  border-left-color: transparent;
}
.timeline-body::before {
  content: "";
  position: absolute;
  left: -8px;
  top: 4px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--cream);
  box-shadow: 0 0 0 1px var(--gold);
}
.timeline-body h4 {
  margin: 0 0 .15rem;
  font-family: var(--serif);
  font-size: 1.15rem;
  line-height: 1.3;
}
.timeline-org {
  font-size: .92rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.02em;
  margin: 0 0 .5rem;
}
.timeline-body > p:last-child {
  margin: 0;
  color: var(--ink-soft);
  font-size: .96rem;
  line-height: 1.6;
}

@media (max-width: 640px) {
  .timeline-item { grid-template-columns: 3.5rem 1fr; column-gap: 1rem; }
  .timeline-year { font-size: 1rem; }
  .timeline-body { padding-left: 1.5rem; padding-bottom: 2rem; }
}

/* ────────────────────────────────────────────
   ABOUT
   ──────────────────────────────────────────── */
.about {
  padding: 5.5rem 0;
  background: var(--cream);
}
.about-inner {
  display: grid;
  grid-template-columns: 0.9fr 1.2fr;
  gap: 4rem;
  align-items: start;
}
.about-photo img {
  width: 100%;
  border-radius: 6px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--rule);
}
.about-text h2 { margin: .3rem 0 1.2rem; }
.about-subhead {
  font-family: var(--serif);
  font-size: 1.15rem;
  color: var(--navy);
  margin: 1.8rem 0 .8rem;
  padding-top: 1.4rem;
  border-top: 1px solid var(--rule);
}
.about-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.about-list li {
  padding: .55rem 0 .55rem 1.6rem;
  position: relative;
  color: var(--ink-soft);
  font-size: .98rem;
  border-bottom: 1px dashed var(--rule);
}
.about-list li:last-child { border-bottom: none; }
.about-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 1rem;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}
.about-list strong {
  color: var(--navy);
  font-weight: 600;
}

@media (max-width: 900px) {
  .about-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-photo { max-width: 360px; margin: 0 auto; }
}

/* ────────────────────────────────────────────
   CONTACT
   ──────────────────────────────────────────── */
.contact {
  padding: 5.5rem 0;
  background: linear-gradient(180deg, var(--cream) 0%, var(--cream-warm) 100%);
}
.contact-inner {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 3rem;
  max-width: 1000px;
  margin: 0 auto;
}
.contact-info {
  background: var(--navy);
  color: var(--cream);
  padding: 2.4rem 2rem;
  border-radius: 6px;
  box-shadow: var(--shadow-md);
}
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(244, 215, 122, 0.15);
}
.contact-item:first-of-type { padding-top: 0; }
.contact-item svg {
  color: var(--gold-soft);
  flex-shrink: 0;
  margin-top: 3px;
}
.contact-item strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.02rem;
  color: var(--cream);
  margin-bottom: .15rem;
  font-weight: 600;
}
.contact-item span,
.contact-item a {
  color: rgba(250, 247, 239, 0.85);
  font-size: .96rem;
  line-height: 1.5;
}
.contact-item a:hover { color: var(--gold-soft); }
.contact-info .btn-primary {
  margin-top: 1.4rem;
}

.contact-form {
  background: var(--white);
  padding: 2.4rem 2rem;
  border-radius: 6px;
  border: 1px solid var(--rule);
}
.form-group { margin-bottom: 1.1rem; }
.form-group label {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .35rem;
  letter-spacing: 0.01em;
}
.label-optional {
  font-weight: 400;
  color: var(--ink-soft);
  font-size: .82rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: .7rem .9rem;
  font-family: var(--sans);
  font-size: .96rem;
  color: var(--ink);
  background: var(--cream);
  border: 1px solid var(--rule);
  border-radius: 4px;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212, 164, 55, 0.15);
  background: var(--white);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
}
.form-note {
  text-align: center;
  font-size: .85rem;
  color: var(--ink-soft);
  margin: .9rem 0 0;
}

@media (max-width: 800px) {
  .contact-inner { grid-template-columns: 1fr; gap: 1.5rem; }
}

/* ────────────────────────────────────────────
   FOOTER
   ──────────────────────────────────────────── */
.site-footer {
  background: var(--navy-deep);
  color: rgba(250, 247, 239, 0.78);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1.5fr;
  gap: 2.5rem;
  padding: 3rem 1.5rem;
  align-items: start;
}
.footer-brand .logo-name {
  font-family: var(--serif);
  color: var(--cream);
  font-size: 1.25rem;
  font-weight: 700;
  display: block;
  margin-bottom: .5rem;
}
.footer-brand p { font-size: .92rem; line-height: 1.6; margin: 0; }
.footer-links { display: flex; flex-direction: column; gap: .55rem; }
.footer-links a { color: rgba(250, 247, 239, 0.78); font-size: .94rem; }
.footer-links a:hover { color: var(--gold-soft); }
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: .55rem;
  font-size: .92rem;
}
.footer-contact a {
  color: var(--gold-soft);
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 700;
}
.footer-contact .footer-email {
  font-size: .98rem;
  font-family: var(--sans);
  font-weight: 500;
}
.footer-contact a:hover { color: var(--cream); }

.footer-bottom {
  border-top: 1px solid rgba(212, 164, 55, 0.15);
  padding: 1.2rem 0;
  text-align: center;
  font-size: .84rem;
  color: rgba(250, 247, 239, 0.55);
}
.footer-bottom p { margin: 0; }

@media (max-width: 720px) {
  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
}