/* ===== Simul Fortis Holdings — Global Stylesheet ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #1C3144;
  --teal:       #2A6F5F;
  --gold:       #C8973E;
  --gold-light: #E8C97A;
  --sage:       #6B8F71;
  --cream:      #FAF7F2;
  --warm-white: #FFFDF9;
  --charcoal:   #2C2C2C;
  --muted:      #6B7280;
  --border:     #E5E1DA;
  --shadow:     rgba(28,49,68,.08);
  --font-heading: 'Georgia', 'Times New Roman', serif;
  --font-body:    'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
  --section-pad: 5rem 1.5rem;
  --container:   1100px;
  --radius:      8px;
  --transition:  .25s ease;
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--warm-white);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--teal); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
.container { max-width: var(--container); margin: 0 auto; padding: 0 1.5rem; }

h1, h2, h3, h4 { font-family: var(--font-heading); color: var(--navy); line-height: 1.25; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); margin-bottom: .75rem; }
h3 { font-size: 1.3rem; margin-bottom: .5rem; }
p  { margin-bottom: 1rem; }
.section-subtitle { font-size: 1.1rem; color: var(--muted); max-width: 620px; margin: 0 auto 2.5rem; }

.btn { display: inline-block; padding: .85rem 2rem; border-radius: var(--radius); font-weight: 600; font-size: .95rem; letter-spacing: .02em; cursor: pointer; transition: all var(--transition); border: 2px solid transparent; text-align: center; }
.btn-primary { background: var(--gold); color: #fff; border-color: var(--gold); }
.btn-primary:hover { background: #b5872e; border-color: #b5872e; color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-white { background: #fff; color: var(--navy); border-color: #fff; }
.btn-white:hover { background: var(--cream); border-color: var(--cream); }

.site-nav { position: sticky; top: 0; z-index: 100; background: rgba(255,253,249,.95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border); padding: .9rem 0; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; max-width: var(--container); margin: 0 auto; padding: 0 1.5rem; }
.nav-logo { font-family: var(--font-heading); font-size: 1.35rem; color: var(--navy); font-weight: 700; letter-spacing: -.01em; }
.nav-logo span { color: var(--gold); }
.nav-links { display: flex; gap: 2rem; list-style: none; align-items: center; }
.nav-links a { color: var(--charcoal); font-size: .9rem; font-weight: 500; position: relative; }
.nav-links a::after { content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px; background: var(--gold); transition: width var(--transition); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a:hover { color: var(--navy); }
.nav-cta { background: var(--gold) !important; color: #fff !important; padding: .5rem 1.2rem !important; border-radius: var(--radius) !important; font-size: .85rem !important; }
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: #b5872e !important; color: #fff !important; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: .5rem; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: var(--transition); }

.hero { background: url("https://images.unsplash.com/photo-1619380977686-64d4b4ac93bf?w=1600&q=80&fit=crop") center/cover no-repeat; color: #fff; text-align: center; padding: 7rem 1.5rem 6rem; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(28,49,68,.78) 0%, rgba(26,58,74,.72) 50%, rgba(42,111,95,.68) 100%); }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 5.5vw, 3.5rem); margin-bottom: .75rem; position: relative; }
.hero p  { color: rgba(255,255,255,.85); font-size: 1.15rem; max-width: 600px; margin: 0 auto 2rem; position: relative; }
.hero-buttons { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; position: relative; }

.section-banner { position: relative; overflow: hidden; color: #fff; text-align: center; padding: 5rem 1.5rem; background-size: cover; background-position: center; }
.section-banner::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(28,49,68,.82), rgba(42,111,95,.75)); }
.section-banner .container { position: relative; }
.section-banner h2 { color: #fff; }
.section-banner p { color: rgba(255,255,255,.85); }
.section-banner .section-subtitle { color: rgba(255,255,255,.75); }
.section-banner p[style*="color:var(--gold)"] { color: var(--gold-light) !important; }

.img-strip { width: 100%; height: 280px; object-fit: cover; border-radius: var(--radius); margin: 2rem 0; box-shadow: 0 8px 24px var(--shadow); }
.img-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2rem; }
.img-grid img { width: 100%; height: 200px; object-fit: cover; border-radius: var(--radius); box-shadow: 0 4px 16px var(--shadow); }
@media (max-width: 768px) {
  .img-grid { grid-template-columns: 1fr; }
  .img-strip { height: 200px; }
}

.section { padding: var(--section-pad); }
.section-alt { background: var(--cream); }
.section-dark { background: var(--navy); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark p { color: rgba(255,255,255,.8); }
.text-center { text-align: center; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 2rem; margin-top: 2rem; }
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem; transition: transform var(--transition), box-shadow var(--transition); }
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px var(--shadow); }
.card-icon { width: 48px; height: 48px; background: linear-gradient(135deg, var(--teal), var(--sage)); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem; color: #fff; font-size: 1.3rem; }

.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 2rem; text-align: center; padding: 3rem 0; }
.stat-number { font-family: var(--font-heading); font-size: 2.5rem; color: var(--gold); font-weight: 700; }
.stat-label { color: var(--muted); font-size: .9rem; margin-top: .25rem; }

.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2rem; counter-reset: step; margin-top: 2rem; }
.step { text-align: center; padding: 1.5rem; position: relative; }
.step::before { counter-increment: step; content: counter(step); display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; background: var(--gold); color: #fff; border-radius: 50%; font-family: var(--font-heading); font-size: 1.4rem; font-weight: 700; margin: 0 auto 1rem; }

.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: .35rem; color: var(--navy); }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: .75rem 1rem; border: 1px solid var(--border); border-radius: var(--radius); font-family: var(--font-body); font-size: .95rem; transition: border-color var(--transition); background: #fff; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(42,111,95,.1); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 2.5rem; box-shadow: 0 4px 16px var(--shadow); max-width: 640px; margin: 0 auto; }

.testimonial { background: var(--cream); border-left: 4px solid var(--gold); padding: 2rem; border-radius: 0 var(--radius) var(--radius) 0; margin: 2rem 0; font-style: italic; color: var(--charcoal); }
.testimonial cite { display: block; margin-top: 1rem; font-style: normal; font-weight: 600; color: var(--navy); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }

.cta-banner { background: linear-gradient(135deg, var(--navy), var(--teal)); color: #fff; text-align: center; padding: 4rem 1.5rem; border-radius: var(--radius); margin: 3rem auto; max-width: var(--container); }
.cta-banner h2 { color: #fff; }
.cta-banner p { color: rgba(255,255,255,.85); max-width: 520px; margin: .5rem auto 2rem; }

.site-footer { background: var(--navy); color: rgba(255,255,255,.7); padding: 3rem 1.5rem 2rem; font-size: .9rem; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 3rem; max-width: var(--container); margin: 0 auto; }
.footer-brand { color: #fff; font-family: var(--font-heading); font-size: 1.2rem; margin-bottom: .75rem; }
.footer-brand span { color: var(--gold); }
.site-footer h4 { color: #fff; font-size: .95rem; margin-bottom: .75rem; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: .4rem; }
.site-footer a { color: rgba(255,255,255,.7); }
.site-footer a:hover { color: var(--gold); }
.footer-bottom { text-align: center; margin-top: 2.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.1); font-size: .82rem; }

section[id] { scroll-margin-top: 70px; }
.section + .section { border-top: none; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mb-2 { margin-bottom: 2rem; }

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--warm-white); border-bottom: 1px solid var(--border); padding: 1.5rem; gap: 1rem; }
  .split { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
  .hero { padding: 4rem 1.5rem 3.5rem; }
  .section { padding: 3.5rem 1.5rem; }
}

.sms-consent { display: flex; align-items: flex-start; gap: .75rem; margin-top: 1rem; margin-bottom: .25rem; }
.sms-consent input[type="checkbox"] { margin-top: .2rem; min-width: 16px; height: 16px; accent-color: var(--gold); cursor: pointer; }
.sms-consent span { font-size: .78rem; line-height: 1.5; color: var(--muted); }
.sms-consent a { text-decoration: underline; }
.sms-consent a:hover { color: var(--gold); }

.legal-footer { background: var(--navy); border-top: 1px solid rgba(255,255,255,.1); padding: 2rem 1.5rem; text-align: center; font-size: .78rem; color: rgba(255,255,255,.6); }
.legal-footer a { color: rgba(255,255,255,.6); text-decoration: underline; }
.legal-footer a:hover { color: var(--gold); }

/* ===== 2026-09-18 additions: per-line tab pages (sf-web-growth) ===== */
.nav-links a.active { color: var(--navy); }
.tab-hero { position: relative; overflow: hidden; color: #fff; padding: 5.5rem 1.5rem 4.5rem; background-size: cover; background-position: center; }
.tab-hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(28,49,68,.84), rgba(42,111,95,.74)); }
.tab-hero .container { position: relative; max-width: 860px; text-align: center; }
.tab-hero .eyebrow { color: var(--gold-light); font-weight: 600; font-size: .85rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: .6rem; }
.tab-hero h1 { color: #fff; font-size: clamp(2rem, 5vw, 3.1rem); margin-bottom: 1rem; }
.tab-hero p { color: rgba(255,255,255,.88); font-size: 1.12rem; max-width: 680px; margin: 0 auto 1.75rem; }
.trust-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: .6rem 1.6rem; margin-top: 1.5rem; font-size: .9rem; color: rgba(255,255,255,.85); }
.trust-strip span::before { content: '\2713'; color: var(--gold-light); margin-right: .4rem; font-weight: 700; }
.line-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2.5rem; text-align: left; }
.line-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 2.25rem; box-shadow: 0 4px 16px var(--shadow); display: flex; flex-direction: column; }
.line-card .who { color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: .5rem; }
.line-card h3 { font-size: 1.45rem; }
.line-card ul { list-style: none; margin: 1rem 0 1.5rem; line-height: 2; flex: 1; }
.line-card ul li::before { content: '\2713'; color: var(--teal); font-weight: 700; margin-right: .5rem; }
.line-card.primary { border-top: 5px solid var(--gold); }
.line-card.secondary { border-top: 5px solid var(--teal); }
.honest-box { background: var(--cream); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 1.5rem 1.75rem; margin: 2rem auto; max-width: 820px; }
.honest-box h3 { margin-bottom: .5rem; }
.buybox { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; margin-top: 1.5rem; }
.buybox th, .buybox td { text-align: left; padding: .9rem 1.1rem; border-bottom: 1px solid var(--border); vertical-align: top; }
.buybox th { width: 32%; color: var(--navy); background: var(--cream); font-weight: 600; }
.city-links { display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: .75rem; margin-top: 1.5rem; }
.city-links a { display: block; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: .8rem 1rem; color: var(--navy); font-weight: 500; }
.city-links a:hover { border-color: var(--gold); color: var(--gold); }
.faq details { border-bottom: 1px solid var(--border); padding: 1.25rem 0; }
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); font-size: 1.05rem; }
.faq details p { margin-top: .75rem; }
.two-forms { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: start; }
@media (max-width: 900px) { .line-cards { grid-template-columns: 1fr; } .two-forms { grid-template-columns: 1fr; } }