/* ============================================
   SIMMS INSURANCE AGENCY — Design System
   Gold & Navy | Conservative Modern | Parallax
   ============================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* --- Design Tokens --- */
:root {
  /* Primary Palette */
  --navy-deepest: #060b10;
  --navy-dark: #0a1628;
  --navy: #142850;
  --navy-light: #1e3a6e;
  --gold: #c9a84c;
  --gold-light: #d4ba6a;
  --gold-pale: #f5ecd7;
  --gold-glow: rgba(201, 168, 76, 0.4);

  /* Neutrals */
  --white: #ffffff;
  --warm-white: #faf8f5;
  --light-gray: #f0ede8;
  --mid-gray: #595959;  /* WCAG AA contrast-safe (7:1 on white) */
  --text-dark: #1a1a2e;
  --text-body: #3d3d4e;
  --text-light: #c8c8d0;

  /* Accessibility */
  --focus-outline: 3px solid var(--gold);
  --focus-offset: 2px;

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

  /* Spacing */
  --section-pad: 100px 0;
  --section-pad-sm: 60px 0;
  --container-width: 1200px;
  --container-pad: 0 40px;

  /* Transitions */
  --ease-smooth: cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --transition-base: all 0.3s var(--ease-smooth);

  /* Shadows */
  --shadow-card: 0 8px 32px rgba(10, 22, 40, 0.08);
  --shadow-card-hover: 0 16px 48px rgba(10, 22, 40, 0.14);
  --shadow-gold: 0 0 30px rgba(201, 168, 76, 0.25);
}

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--warm-white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--gold);
  text-decoration: none;
  transition: var(--transition-base);
}

a:hover {
  color: var(--gold-light);
}

/* --- Container --- */
.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: var(--container-pad);
}

/* --- Typography --- */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--text-dark);
  line-height: 1.2;
  font-weight: 600;
}

h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }

p {
  font-size: 1.05rem;
  margin-bottom: 1rem;
}

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  margin-bottom: 20px;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--mid-gray);
  max-width: 600px;
  line-height: 1.8;
}

.section-subtitle.centered {
  margin: 0 auto;
}

/* Gold accent underline */
.gold-line {
  display: block;
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin-top: 20px;
  border-radius: 2px;
}

.gold-line.centered {
  margin-left: auto;
  margin-right: auto;
}

/* --- Navigation --- */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  padding: 20px 0;
  transition: all 0.4s var(--ease-smooth);
}

.navbar.scrolled {
  background: rgba(10, 22, 40, 0.95);
  backdrop-filter: blur(12px);
  padding: 12px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.15);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.nav-logo img {
  height: 36px;
  width: auto;
  border-radius: 4px;
}

.nav-logo span {
  color: var(--gold);
}

.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 36px;
}

.nav-links a {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  letter-spacing: 0.5px;
  position: relative;
  padding-bottom: 4px;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 0.3s var(--ease-smooth);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

/* CTA Button in Nav */
.btn-nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark) !important;
  padding: 10px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.5px;
}

.btn-nav-cta::after {
  display: none !important;
}

.btn-nav-cta:hover {
  box-shadow: var(--shadow-gold);
  transform: translateY(-1px);
  color: var(--navy-dark) !important;
}

/* Mobile Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  z-index: 1001;
}

.nav-toggle span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition-base);
}

.nav-toggle.open span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}
.nav-toggle.open span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* --- Buttons --- */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.5px;
  padding: 16px 36px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  transition: var(--transition-base);
  text-align: center;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  box-shadow: 0 4px 15px rgba(201,168,76,0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(201,168,76,0.45);
  color: var(--navy-dark);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.3);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  box-shadow: 0 0 20px rgba(201,168,76,0.15);
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}

.btn-outline-dark:hover {
  background: var(--navy);
  color: var(--white);
}

/* --- Who Needs Cards --- */
.needs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.needs-card {
  background: var(--white);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  transition: transform 0.35s var(--ease-smooth), box-shadow 0.35s var(--ease-smooth);
}

.needs-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.12);
}

.needs-card-image {
  overflow: hidden;
  height: 220px;
}

.needs-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s var(--ease-smooth);
}

.needs-card:hover .needs-card-image img {
  transform: scale(1.05);
}

.needs-card-body {
  padding: 28px 24px 32px;
  text-align: left;
}

.needs-card-body h4 {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.needs-card-body p {
  font-size: 0.92rem;
  color: var(--text-body);
  line-height: 1.65;
}

/* --- Hero Section --- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 120%;
  background-image: url('images/hero-bg.png');
  background-size: cover;
  background-position: center;
  z-index: 0;
  will-change: transform;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    135deg,
    rgba(10, 22, 40, 0.92) 0%,
    rgba(20, 40, 80, 0.85) 40%,
    rgba(20, 40, 80, 0.7) 70%,
    rgba(10, 22, 40, 0.8) 100%
  );
  z-index: 1;
}

.hero .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding-top: 100px;
  padding-bottom: 60px;
}

.hero-content h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.hero-content h1 .highlight {
  color: var(--gold);
}

.hero-content p {
  color: rgba(255,255,255,0.75);
  font-size: 1.15rem;
  line-height: 1.8;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-image {
  display: flex;
  justify-content: center;
  align-items: flex-end;
}

.hero-image img {
  max-height: 520px;
  width: auto;
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.4));
  border-radius: 12px;
  border: 3px solid rgba(201,168,76,0.3);
}

/* Floating badge on hero */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201, 168, 76, 0.15);
  border: 1px solid rgba(201, 168, 76, 0.3);
  padding: 8px 16px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.hero-badge span {
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* --- Parallax Sections --- */
.parallax-section {
  position: relative;
  overflow: hidden;
}

.parallax-bg {
  position: absolute;
  top: -20%;
  left: 0;
  width: 100%;
  height: 140%;
  background-size: cover;
  background-position: center;
  will-change: transform;
  z-index: 0;
}

.parallax-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
}

.parallax-section > .container {
  position: relative;
  z-index: 2;
}

/* --- Section Styles --- */
.section {
  padding: var(--section-pad);
}

.section-white {
  background: var(--white);
}

.section-warm {
  background: var(--warm-white);
}

.section-navy {
  background: var(--navy-dark);
}

.text-center {
  text-align: center;
}

/* --- Carrier Partner Strip --- */
.carrier-strip {
  background: var(--navy-dark);
  padding: 48px 0;
  border-top: 1px solid rgba(201, 168, 76, 0.15);
  border-bottom: 1px solid rgba(201, 168, 76, 0.15);
}

.carrier-label {
  display: block;
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 28px;
  opacity: 0.9;
}

.carrier-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 20px 48px;
}

.carrier-logo {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.35);
  transition: var(--transition-base);
  padding: 8px 16px;
  white-space: nowrap;
}

.carrier-logo:hover {
  color: var(--gold);
  opacity: 1;
}

/* --- Trust Pillars --- */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 50px;
}

.trust-card {
  background: var(--white);
  padding: 40px 32px;
  border-radius: 12px;
  box-shadow: var(--shadow-card);
  text-align: center;
  transition: var(--transition-base);
  border: 1px solid rgba(0,0,0,0.04);
}

.trust-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
}

.trust-icon {
  width: 70px;
  height: 70px;
  background: linear-gradient(135deg, rgba(201,168,76,0.1), rgba(201,168,76,0.05));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 2rem;
}

.trust-card h3 {
  margin-bottom: 12px;
  font-size: 1.2rem;
}

.trust-card p {
  font-size: 0.95rem;
  color: var(--mid-gray);
  line-height: 1.7;
}

/* --- Process / How It Works --- */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 60px;
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 60px;
  left: 15%;
  width: 70%;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  z-index: 0;
}

.process-step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  margin: 0 auto 24px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.3);
}

.process-step h3 {
  margin-bottom: 12px;
  color: var(--white);
}

.process-step p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* --- Why Final Expense (Education Section, Parallax) --- */
.education-content {
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
}

.education-content h2 {
  color: var(--white);
  margin-bottom: 24px;
}

.education-content p {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  line-height: 1.9;
  margin-bottom: 20px;
}

.education-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 50px;
}

.stat-item {
  text-align: center;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* --- Testimonials --- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 60px;
}

.testimonial-card {
  background: var(--white);
  border-radius: 12px;
  padding: 36px 28px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(0,0,0,0.04);
  position: relative;
}

.testimonial-card::before {
  content: '"';
  font-family: var(--font-heading);
  font-size: 4rem;
  color: var(--gold);
  opacity: 0.3;
  position: absolute;
  top: 16px;
  left: 24px;
  line-height: 1;
}

.testimonial-stars {
  color: #FFD700;
  font-size: 1rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 20px;
}

.testimonial-author {
  font-weight: 600;
  color: var(--text-dark);
  font-size: 0.9rem;
}

.testimonial-author span {
  display: block;
  font-weight: 400;
  color: var(--mid-gray);
  font-size: 0.82rem;
  margin-top: 2px;
}

/* --- CTA Section --- */
.cta-section {
  padding: 80px 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.cta-section p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  margin-bottom: 36px;
  max-width: 550px;
  margin-left: auto;
  margin-right: auto;
}

/* --- Footer --- */
.footer {
  background: var(--navy-deepest);
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand .nav-logo {
  font-size: 1.3rem;
  margin-bottom: 16px;
  display: block;
}

.footer-brand p {
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
  line-height: 1.7;
  max-width: 320px;
}

.footer h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
  transition: var(--transition-base);
}

.footer-links a:hover {
  color: var(--gold);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
  margin-bottom: 12px;
}

.footer-contact-item .icon {
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.footer-bottom p {
  color: rgba(255,255,255,0.35);
  font-size: 0.82rem;
  margin-bottom: 0;
}

/* --- About Page --- */
.page-hero {
  position: relative;
  padding: 160px 0 100px;
  overflow: hidden;
  text-align: center;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: 16px;
}

.page-hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1.15rem;
  max-width: 600px;
  margin: 0 auto;
}

.about-story {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-image img {
  border-radius: 12px;
  box-shadow: var(--shadow-card-hover);
  border: 3px solid rgba(201,168,76,0.2);
}

.about-text .section-label {
  margin-bottom: 12px;
}

.about-text h2 {
  margin-bottom: 20px;
}

.about-text p {
  color: var(--text-body);
  line-height: 1.9;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 60px;
}

.value-card {
  text-align: center;
  padding: 32px 24px;
}

.value-icon {
  font-size: 2.4rem;
  margin-bottom: 16px;
}

.value-card h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.value-card p {
  font-size: 0.95rem;
  color: var(--mid-gray);
}

/* --- Contact Page --- */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 60px;
  align-items: start;
}

.contact-form {
  background: var(--white);
  padding: 48px;
  border-radius: 16px;
  box-shadow: var(--shadow-card);
}

.contact-form h2 {
  margin-bottom: 8px;
}

.contact-form > p {
  color: var(--mid-gray);
  margin-bottom: 32px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
  letter-spacing: 0.3px;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--light-gray);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--warm-white);
  transition: var(--transition-base);
  outline: none;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.contact-info-panel {
  padding: 20px 0;
}

.contact-info-panel h3 {
  color: var(--text-dark);
  margin-bottom: 24px;
}

.info-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
}

.info-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(201,168,76,0.05));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.info-item h4 {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.info-item p {
  font-size: 0.9rem;
  color: var(--mid-gray);
  margin-bottom: 0;
}

.map-container {
  margin-top: 40px;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
}

.map-container iframe {
  width: 100%;
  height: 250px;
  border: none;
}

/* --- Multi-Step Survey --- */
.survey-progress {
  height: 4px;
  background: var(--light-gray);
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 12px;
}

.survey-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 4px;
  transition: width 0.5s var(--ease-smooth);
}

.survey-step-label {
  text-align: right;
  margin-bottom: 36px;
}

.survey-step-label span {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--mid-gray);
}

.survey-step {
  display: none;
  animation: surveyFadeIn 0.4s var(--ease-smooth);
}

.survey-step.active {
  display: block;
}

@keyframes surveyFadeIn {
  from { opacity: 0; transform: translateX(20px); }
  to { opacity: 1; transform: translateX(0); }
}

.survey-question {
  font-size: 1.35rem;
  line-height: 1.5;
  color: var(--text-dark);
  margin-bottom: 32px;
  min-height: 80px;
  display: flex;
  align-items: center;
}

.survey-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.toggle-btn {
  padding: 18px 24px;
  border: 2px solid var(--light-gray);
  border-radius: 10px;
  background: var(--warm-white);
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-body);
  cursor: pointer;
  transition: var(--transition-base);
}

.toggle-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201, 168, 76, 0.04);
}

.toggle-btn.selected {
  border-color: var(--gold);
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  box-shadow: 0 4px 15px rgba(201, 168, 76, 0.3);
}

/* --- Scroll Animations --- */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s var(--ease-smooth), transform 0.7s var(--ease-smooth);
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-left {
  opacity: 0;
  transform: translateX(-40px);
  transition: opacity 0.7s var(--ease-smooth), transform 0.7s var(--ease-smooth);
}

.fade-in-left.visible {
  opacity: 1;
  transform: translateX(0);
}

.fade-in-right {
  opacity: 0;
  transform: translateX(40px);
  transition: opacity 0.7s var(--ease-smooth), transform 0.7s var(--ease-smooth);
}

.fade-in-right.visible {
  opacity: 1;
  transform: translateX(0);
}

/* Stagger child animations */
.stagger-children > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s var(--ease-smooth), transform 0.5s var(--ease-smooth);
}

.stagger-children.visible > *:nth-child(1) { transition-delay: 0.1s; }
.stagger-children.visible > *:nth-child(2) { transition-delay: 0.2s; }
.stagger-children.visible > *:nth-child(3) { transition-delay: 0.3s; }
.stagger-children.visible > *:nth-child(4) { transition-delay: 0.4s; }

.stagger-children.visible > * {
  opacity: 1;
  transform: translateY(0);
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero .container {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }

  .hero-content p {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-buttons {
    justify-content: center;
  }

  .hero-image img {
    max-height: 400px;
  }

  .trust-grid,
  .process-grid,
  .testimonial-grid,
  .education-stats {
    grid-template-columns: 1fr 1fr;
  }

  .about-story {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .about-image {
    order: -1;
  }

  .about-image img {
    max-width: 350px;
    margin: 0 auto;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --section-pad: 70px 0;
    --container-pad: 0 24px;
  }

  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    width: 75%;
    max-width: 320px;
    height: 100vh;
    background: rgba(10, 22, 40, 0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    justify-content: center;
    gap: 28px;
    transition: right 0.4s var(--ease-smooth);
    padding: 40px;
  }

  .nav-links.open {
    right: 0;
  }

  .nav-toggle {
    display: flex;
  }

  .trust-grid,
  .process-grid,
  .testimonial-grid,
  .values-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .education-stats {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .process-grid::before {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 8px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .contact-form {
    padding: 28px;
  }

  .hero-image img {
    max-height: 320px;
  }

  .page-hero {
    padding: 130px 0 70px;
  }
}

@media (max-width: 480px) {
  :root {
    --container-pad: 0 18px;
  }

  .hero {
    min-height: auto;
    padding: 100px 0 60px;
  }

  .hero-buttons {
    flex-direction: column;
    width: 100%;
  }

  .hero-buttons .btn {
    width: 100%;
  }

  .stat-number {
    font-size: 2.2rem;
  }
}

/* ============================================
   ACCESSIBILITY — WCAG 2.1 AA Compliance
   ============================================ */

/* Skip to Content Link */
.skip-to-content {
  position: absolute;
  top: -100px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy-dark);
  padding: 12px 24px;
  font-weight: 700;
  font-size: 0.95rem;
  z-index: 9999;
  border-radius: 0 0 8px 8px;
  transition: top 0.3s ease;
  text-decoration: none;
}

.skip-to-content:focus {
  top: 0;
  outline: none;
}

/* Focus Indicators — visible outlines on all interactive elements */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: var(--focus-outline);
  outline-offset: var(--focus-offset);
  border-radius: 4px;
}

/* Nav links focus state */
.nav-links a:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
  border-radius: 2px;
}

/* Button focus state */
.btn:focus-visible {
  outline: 3px solid var(--white);
  outline-offset: 3px;
  box-shadow: 0 0 0 6px var(--gold);
}

/* Reduced Motion — respect user preferences */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .needs-card:hover,
  .trust-card:hover,
  .btn-primary:hover,
  .btn-nav-cta:hover {
    transform: none !important;
  }
}

/* Screen Reader Only — visually hidden but accessible */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Minimum Touch Targets (44x44px) */
.nav-links a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
}

.survey-option {
  min-height: 48px;
  min-width: 48px;
}

/* High Contrast Mode Support */
@media (forced-colors: active) {
  .btn-primary,
  .btn-nav-cta {
    border: 2px solid ButtonText;
  }

  .trust-card,
  .needs-card,
  .testimonial-card {
    border: 1px solid CanvasText;
  }
}