/* ==========================================================================
   Gulf Trust Insurance — stylesheet
   Palette derived from brand mark: deep navy, gold, ivory cream
   ========================================================================== */

:root {
  --navy-900: #0d1f3c;
  --navy-800: #122a4d;
  --navy-700: #17335e;
  --navy-600: #1e4174;
  --gold-600: #a9822f;
  --gold-500: #c9a24a;
  --gold-400: #dcbf72;
  --gold-100: #f4e8c9;
  --cream-100: #faf6ec;
  --cream-200: #f4eee0;
  --cream-300: #ece3cf;
  --ink: #1c2430;
  --ink-soft: #4a5567;
  --white: #ffffff;
  --success: #2f7a4f;
  --error: #b03a3a;

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

  --shadow-sm: 0 1px 3px rgba(13, 31, 60, 0.08);
  --shadow-md: 0 8px 24px rgba(13, 31, 60, 0.12);
  --shadow-lg: 0 20px 50px rgba(13, 31, 60, 0.18);

  --radius: 10px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream-100);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 0.6em;
  font-weight: 700;
}

h1 { font-size: clamp(2.1rem, 4vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; color: var(--ink-soft); }
a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
ul { padding: 0; margin: 0; list-style: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.section-alt { background: var(--cream-200); }
.section-navy {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: var(--cream-100);
}
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: rgba(250, 246, 236, 0.78); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 2px;
  background: var(--gold-500);
  display: inline-block;
}
.section-navy .eyebrow { color: var(--gold-400); }

.section-head {
  max-width: 640px;
  margin: 0 0 44px;
}
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.96rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}
.btn-gold:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  border-color: rgba(250, 246, 236, 0.5);
  color: inherit;
}
.btn-outline:hover { background: rgba(250, 246, 236, 0.12); }
.btn-navy {
  background: var(--navy-900);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-700); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 246, 236, 0.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--cream-300);
  transition: box-shadow 0.2s ease;
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }

.topbar {
  background: var(--navy-900);
  color: rgba(250, 246, 236, 0.85);
  font-size: 0.82rem;
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 8px;
  padding-bottom: 8px;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar-links { display: flex; gap: 20px; }
.topbar-links a:hover { color: var(--gold-400); }
.topbar-contact { display: flex; gap: 20px; }
.topbar-contact a { display: inline-flex; align-items: center; gap: 6px; }
.topbar-contact a:hover { color: var(--gold-400); }

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}

.brand { display: flex; align-items: center; gap: 12px; }
.brand-name {
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--navy-900);
  font-size: 1.28rem;
  letter-spacing: 0.01em;
  line-height: 1.1;
}
.brand-name span { display: block; font-family: var(--font-body); font-size: 0.62rem; letter-spacing: 0.22em; color: var(--gold-600); font-weight: 700; margin-top: 3px; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}
.nav-links a {
  font-weight: 600;
  font-size: 0.94rem;
  color: var(--navy-800);
  position: relative;
  padding: 6px 0;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}
.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }
.nav-links a.active { color: var(--gold-600); }

.nav-actions { display: flex; align-items: center; gap: 14px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 26px;
  height: 2px;
  background: var(--navy-900);
  border-radius: 2px;
}

/* ---------- Logo mark (inline SVG shield) ---------- */
.logo-mark { height: 46px; width: auto; flex-shrink: 0; object-fit: contain; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-700) 55%, var(--navy-600) 100%);
  color: var(--cream-100);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 18% 22%, rgba(201, 162, 74, 0.16), transparent 45%),
    radial-gradient(circle at 85% 15%, rgba(201, 162, 74, 0.12), transparent 40%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
  padding: 90px 0 100px;
}
.hero h1 { color: var(--white); }
.hero h1 em { color: var(--gold-400); font-style: normal; }
.hero p.lead { font-size: 1.12rem; color: rgba(250, 246, 236, 0.82); max-width: 520px; }
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 28px; }

.hero-stats {
  display: flex;
  gap: 34px;
  margin-top: 46px;
  flex-wrap: wrap;
}
.hero-stat strong {
  display: block;
  font-family: var(--font-head);
  font-size: 1.9rem;
  color: var(--gold-400);
}
.hero-stat span { font-size: 0.82rem; color: rgba(250, 246, 236, 0.7); }

.hero-panel {
  background: var(--white);
  color: var(--ink);
  border-radius: 16px;
  padding: 30px;
  box-shadow: var(--shadow-lg);
}
.hero-panel h3 { margin-bottom: 4px; }
.hero-panel p.small { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 20px; }

/* ---------- Trust bar ---------- */
.trust-bar {
  background: var(--cream-200);
  border-bottom: 1px solid var(--cream-300);
  padding: 22px 0;
}
.trust-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--navy-800);
}
.trust-item .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-500); }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--cream-300);
  border-radius: var(--radius);
  padding: 30px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold-400); }

.icon-badge {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--gold-100), var(--gold-400));
  color: var(--navy-900);
  margin-bottom: 18px;
}
.icon-badge svg { width: 26px; height: 26px; stroke: var(--navy-900); }

.card-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-weight: 700; font-size: 0.88rem; color: var(--gold-600);
  margin-top: 10px;
}
.card-link:hover { color: var(--navy-800); }

/* Coverage card variant with navy top */
.coverage-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--cream-300);
  display: flex;
  flex-direction: column;
}
.coverage-card .head {
  background: var(--navy-900);
  color: var(--white);
  padding: 26px 28px;
  position: relative;
}
.coverage-card .head::after {
  content: "";
  position: absolute;
  left: 28px; bottom: -1px;
  width: 40px; height: 3px;
  background: var(--gold-500);
}
.coverage-card .body { padding: 26px 28px; flex: 1; display: flex; flex-direction: column; }
.coverage-card ul.check-list { margin-bottom: 20px; }

.check-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.93rem;
  color: var(--ink-soft);
  margin-bottom: 10px;
}
.check-list li svg { flex-shrink: 0; width: 18px; height: 18px; stroke: var(--gold-600); margin-top: 2px; }

/* ---------- Why us / split section ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.split-visual {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-600));
  border-radius: 18px;
  padding: 46px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.split-visual::after {
  content: "";
  position: absolute;
  right: -40px; top: -40px;
  width: 180px; height: 180px;
  border: 2px solid rgba(201, 162, 74, 0.35);
  border-radius: 50%;
}
.feature-row {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--cream-300);
}
.feature-row:last-child { border-bottom: none; }
.feature-row .num {
  font-family: var(--font-head);
  color: var(--gold-500);
  font-weight: 700;
  font-size: 1.3rem;
  width: 40px;
  flex-shrink: 0;
}

/* ---------- Process steps ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.step { text-align: center; padding: 0 10px; }
.step .step-num {
  width: 56px; height: 56px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 700;
  border: 2px solid var(--gold-500);
}

/* ---------- Testimonials ---------- */
.testimonial-track {
  position: relative;
  overflow: hidden;
}
.testimonial-slide {
  display: none;
  background: var(--white);
  border-radius: 16px;
  padding: 48px 56px;
  border: 1px solid var(--cream-300);
  box-shadow: var(--shadow-lg);
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
  position: relative;
}
.testimonial-slide::before {
  content: "\201C";
  position: absolute;
  top: 6px;
  left: 28px;
  font-family: var(--font-head);
  font-size: 4.5rem;
  line-height: 1;
  color: var(--gold-400);
  opacity: 0.5;
}
.testimonial-slide.active { display: block; animation: fadeIn 0.4s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.stars { color: var(--gold-500); font-size: 1.1rem; letter-spacing: 3px; margin-bottom: 18px; }
.testimonial-slide .testimonial-quote {
  font-family: var(--font-head);
  font-size: 1.3rem;
  line-height: 1.55;
  color: var(--navy-900);
  font-style: italic;
  font-weight: 600;
  margin-bottom: 24px;
  position: relative;
}
.testimonial-slide .testimonial-author { font-weight: 700; color: var(--navy-900); font-size: 1rem; }
.testimonial-slide .testimonial-role { font-size: 0.85rem; color: var(--ink-soft); margin-top: 2px; }
.testimonial-dots { display: flex; justify-content: center; gap: 10px; margin-top: 30px; }
.testimonial-dots button {
  width: 10px; height: 10px; border-radius: 50%;
  border: none; background: rgba(250, 246, 236, 0.35); cursor: pointer;
  padding: 0;
  transition: background 0.15s ease, transform 0.15s ease;
}
.testimonial-dots button:hover { background: rgba(250, 246, 236, 0.6); }
.testimonial-dots button.active { background: var(--gold-500); transform: scale(1.15); }

@media (max-width: 640px) {
  .testimonial-slide { padding: 36px 26px; }
  .testimonial-slide::before { font-size: 3.5rem; left: 16px; }
}

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  border-radius: 20px;
  padding: 54px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.cta-band h2 { color: var(--white); margin-bottom: 6px; }
.cta-band p { color: rgba(250, 246, 236, 0.78); margin-bottom: 0; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.85rem; font-weight: 700; color: var(--navy-800); }
.field .req { color: var(--error); }
.field input,
.field select,
.field textarea {
  padding: 13px 14px;
  border: 1px solid var(--cream-300);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--cream-100);
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(201, 162, 74, 0.2);
  background: var(--white);
}
.field textarea { resize: vertical; min-height: 110px; }
.field .error-msg { font-size: 0.78rem; color: var(--error); min-height: 1em; display: none; }
.field.invalid input,
.field.invalid select,
.field.invalid textarea { border-color: var(--error); }
.field.invalid .error-msg { display: block; }

.checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 20px; }
.checkbox-row input { margin-top: 3px; }

.form-panel {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  border: 1px solid var(--cream-300);
  box-shadow: var(--shadow-sm);
}

.form-success {
  display: none;
  background: rgba(47, 122, 79, 0.08);
  border: 1px solid rgba(47, 122, 79, 0.35);
  color: var(--success);
  padding: 18px 22px;
  border-radius: 10px;
  font-weight: 600;
  margin-bottom: 22px;
}
.form-success.show { display: flex; align-items: center; gap: 10px; }

.form-error {
  display: none;
  background: rgba(176, 58, 58, 0.08);
  border: 1px solid rgba(176, 58, 58, 0.35);
  color: var(--error);
  padding: 18px 22px;
  border-radius: 10px;
  font-weight: 600;
  margin-bottom: 22px;
}
.form-error.show { display: flex; align-items: center; gap: 10px; }

.type-toggle {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 24px;
}
.type-toggle label {
  border: 1px solid var(--cream-300);
  border-radius: 8px;
  padding: 12px 10px;
  text-align: center;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy-800);
  cursor: pointer;
  transition: all 0.15s ease;
  background: var(--cream-100);
}
.type-toggle input { display: none; }
.type-toggle input:checked + span { color: var(--navy-900); }
.type-toggle label:has(input:checked) {
  border-color: var(--gold-500);
  background: var(--gold-100);
  box-shadow: 0 0 0 1px var(--gold-500);
}

.conditional-field { display: none; }
.conditional-field.show { display: flex; }

/* ---------- FAQ Accordion ---------- */
.accordion-item {
  border-bottom: 1px solid var(--cream-300);
}
.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 4px;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-head);
  font-size: 1.05rem;
  color: var(--navy-900);
  font-weight: 700;
}
.accordion-trigger .plus {
  flex-shrink: 0;
  width: 26px; height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--gold-500);
  color: var(--gold-600);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  transition: transform 0.2s ease;
}
.accordion-item.open .accordion-trigger .plus { transform: rotate(45deg); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.accordion-panel p { padding: 0 4px 22px; margin: 0; }

/* ---------- Team ---------- */
.team-card { text-align: center; }
.team-photo {
  width: 100%;
  aspect-ratio: 1;
  border-radius: 14px;
  background: linear-gradient(150deg, var(--navy-800), var(--navy-600));
  display: flex; align-items: center; justify-content: center;
  color: var(--gold-400);
  margin-bottom: 16px;
  font-family: var(--font-head);
  font-size: 2.2rem;
  font-weight: 700;
}
.team-role { color: var(--gold-600); font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; }

/* ---------- Values ---------- */
.value-item { display: flex; gap: 18px; }
.value-item .icon-badge { margin-bottom: 0; }

/* ---------- Stats strip ---------- */
.stats-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stats-strip strong {
  display: block;
  font-family: var(--font-head);
  font-size: 2.4rem;
  color: var(--gold-400);
}
.stats-strip span { font-size: 0.85rem; color: rgba(250, 246, 236, 0.75); }

/* ---------- Contact page ---------- */
.contact-info-card {
  display: flex;
  gap: 16px;
  padding: 22px 0;
  border-bottom: 1px solid var(--cream-300);
}
.contact-info-card:last-child { border-bottom: none; }
.contact-info-card .icon-badge { margin-bottom: 0; flex-shrink: 0; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: rgba(250, 246, 236, 0.75);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(250, 246, 236, 0.12);
}
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.footer-brand .brand-name { color: var(--white); }
.footer-brand .brand-name span { color: var(--gold-400); }
.footer-col h4 { color: var(--white); font-family: var(--font-body); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 18px; }
.footer-col li { margin-bottom: 12px; font-size: 0.9rem; }
.footer-col a:hover { color: var(--gold-400); }
.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(250, 246, 236, 0.25);
  display: flex; align-items: center; justify-content: center;
  transition: all 0.15s ease;
}
.footer-social a:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--navy-900); }
.footer-social svg { width: 16px; height: 16px; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-bottom a:hover { color: var(--gold-400); }
.footer-legal { display: flex; gap: 20px; }

.license-note {
  font-size: 0.78rem;
  color: rgba(250, 246, 236, 0.5);
  max-width: 640px;
  margin-top: 8px;
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  padding: 64px 0 56px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 10px; }
.breadcrumb { font-size: 0.85rem; color: rgba(250, 246, 236, 0.65); }
.breadcrumb a:hover { color: var(--gold-400); }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.badge {
  display: inline-block;
  background: var(--gold-100);
  color: var(--gold-600);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 14px;
}

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; padding: 60px 0 60px; }
  .split { grid-template-columns: 1fr; }
  .split-visual { order: -1; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-strip { grid-template-columns: repeat(2, 1fr); row-gap: 30px; }
}

@media (max-width: 720px) {
  .topbar { display: none; }
  .nav-links {
    position: fixed;
    top: 0; right: 0;
    height: 100vh;
    width: min(300px, 80vw);
    background: var(--navy-900);
    flex-direction: column;
    align-items: flex-start;
    padding: 100px 30px 30px;
    gap: 26px;
    transform: translateX(100%);
    transition: transform 0.25s ease;
    z-index: 200;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { color: var(--cream-100); font-size: 1.05rem; }
  .nav-toggle { display: flex; }
  .nav-actions .btn-navy.hide-mobile { display: none; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .type-toggle { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band { flex-direction: column; text-align: center; }
  .stats-strip { grid-template-columns: 1fr 1fr; }
  .nav-overlay.open { display: block; }
}

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(13, 31, 60, 0.5);
  z-index: 150;
}