/* ============================================================
   4Wealth Insurance — insurance.css
   ------------------------------------------------------------
   STRUCTURE
    1. Tokens          — :root custom properties (color/type/space)
    2. Base / Reset    — element defaults, page-wide contour backdrop
    3. Type + Buttons  — shared headline / lead / button system
    4. Navigation      — fixed glass pill (shared site system)
    5. Hero            — centered serif headline + ambient canvas
    6. Intro           — two-column statement + body copy
    7. Image Band      — full-width office-photo placeholder
    8. Services        — heading + 4 service cards
    9. Coverage CTA    — gradient band with contact details
   10. Footer          — shared site footer
   11. Reveal          — entrance-animation base states
   12. Responsive      — mobile-first overrides
   No magic numbers: all colors / spacing / type via variables.
   ============================================================ */


/* ============================================================
   1. TOKENS
   ============================================================ */

:root {
  /* ground */
  --bg:           #091119;
  --bg-2:         #0b1622;
  --bg-3:         #0e1c2c;
  --navy:         #0D1B2A;

  /* brand */
  --teal:         #00827E;
  --teal-light:   #00827E;
  --teal-line:    0,130,126;   /* contour stroke (rgb tuple) */
  --action:       #00827E;
  --action-hover: #1f5654;

  /* ink */
  --white:        #F5F4F0;
  --cream:        #F0EFE9;
  --dim:          rgba(245, 244, 240, 0.60);
  --dim-2:        rgba(245, 244, 240, 0.40);
  --rule:         rgba(245, 244, 240, 0.10);
  --rule-strong:  rgba(245, 244, 240, 0.18);

  /* type */
  --serif:  'Newsreader', Georgia, 'Times New Roman', serif;
  --sans:   'Hanken Grotesk', system-ui, -apple-system, sans-serif;
  --mono:   'IBM Plex Mono', ui-monospace, monospace;

  /* layout + spacing scale */
  --maxw:     1200px;
  --pad:      clamp(22px, 5vw, 84px);
  --space-xs: 8px;
  --space-sm: 14px;
  --space-md: 24px;
  --space-lg: 48px;
  --space-xl: clamp(70px, 10vh, 128px);

  /* radii */
  --radius-sm:   9px;
  --radius-md:   14px;
  --radius-lg:   20px;
  --radius-pill: 999px;

  /* motion */
  --ease: cubic-bezier(.2, .6, .2, 1);
}


/* ============================================================
   2. BASE / RESET
   ============================================================ */

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body {
  background: var(--bg);
  color: var(--white);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  overflow-x: clip;
}

a {
  color: inherit;
  text-decoration: none;
}

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

ul {
  list-style: none;
}

::selection {
  background: var(--action);
  color: #fff;
}

/* Page-wide contour backdrop (canvas painted in insurance.js) */
#net {
  position: fixed;
  inset: 0;
  width: 100vw;
  height: 100vh;
  display: block;
  z-index: 0;
  pointer-events: none;
}

/* Brand glow at top */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background: radial-gradient(90% 55% at 50% 8%, rgba(0,130,126, 0.13) 0%, rgba(0, 0, 0, 0) 70%);
}

/* Gentle vignette */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background: radial-gradient(125% 105% at 50% 42%, rgba(0, 0, 0, 0) 46%, rgba(0, 0, 0, 0.55) 100%);
}

.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding-left: var(--pad);
  padding-right: var(--pad);
}

section {
  position: relative;
  z-index: 1;
}


/* ============================================================
   3. TYPE + BUTTONS
   ============================================================ */

.eyebrow {
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--teal-light);
  display: inline-flex;
  align-items: center;
  gap: 11px;
}

.eyebrow::before {
  content: '';
  width: 26px;
  height: 1px;
  background: var(--teal-light);
  opacity: .7;
}

.lead {
  font-size: clamp(15px, 1.3vw, 17px);
  line-height: 1.7;
  color: var(--dim);
  max-width: 60ch;
}

.italic-teal {
  font-style: italic;
}

.btn {
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 600;
  letter-spacing: .01em;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  cursor: pointer;
  border: 1px solid transparent;
  padding: 14px 26px;
  border-radius: var(--radius-pill);
  transition:
    transform .22s var(--ease),
    background .22s var(--ease),
    box-shadow .22s var(--ease),
    border-color .22s var(--ease);
  white-space: nowrap;
  will-change: transform;
}

.btn .arrow {
  transition: transform .22s var(--ease);
}

.btn:hover .arrow {
  transform: translateX(4px);
}

.btn-solid {
  background: #00827E;
  color: #f2f4f3;
  border-color: #00827E;
}

.btn-solid:hover {
  background: #006d6a;
  border-color: #006d6a;
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(0,130,126,0.35);
}

.btn-ghost {
  background: transparent;
  color: #f2f4f3;
  border-color: #00827E;
}

.btn-ghost:hover {
  background: rgba(0,130,126,0.10);
  border-color: #006d6a;
  transform: translateY(-2px);
}

/* Translucent teal hero CTA */
.btn-hero {
  background: rgba(0,130,126, .62);
  color: var(--white);
  border: 1px solid rgba(0,130,126, .30);
  backdrop-filter: blur(4px);
  padding: 16px 40px;
  font-size: 15.5px;
}

.btn-hero:hover {
  background: rgba(31, 86, 84, .85);
  border-color: rgba(0,130,126, .55);
  box-shadow: 0 12px 40px rgba(0,130,126, .5);
  transform: translateY(-2px);
}


/* ============================================================
   4. NAVIGATION
   ============================================================ */

#nav4w {
  position: fixed;
  top: 22px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 100;
  overflow: visible;

  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;

  padding: 10px 12px 10px 26px;
  border: 1px solid var(--rule);
  border-radius: var(--radius-pill);
  background: rgba(10, 18, 24, 0.32);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.18);

  opacity: 1;
}

/* Active nav link (underlined in teal) */
.nav-link-active {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 11px 16px;
  font-size: 15px;
  color: var(--white);
  border-bottom: 1.5px solid var(--teal-light);
  transition: color 0.3s;
}

/* Standard nav links */
.nav-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 11px 16px;
  font-size: 15px;
  color: var(--dim);
  transition: color 0.3s;
  cursor: pointer;
}

.nav-link.is-current {
  color: #f2f4f3;
  border-bottom: 1.5px solid rgba(0,130,126, 0.8);
}

.nav-link:hover {
  color: var(--white);
}

/* "Get In Touch" pill button */
.nav-cta {
  margin-left: 4px;
  padding: 12px 22px;
  font-size: 15px;
  font-weight: 500;
  color: var(--white);
  border: 1px solid rgba(0,130,126, 0.55);
  border-radius: var(--radius-pill);
  background: rgba(0,130,126, 0.10);
  transition: background 0.3s, border-color 0.3s, transform 0.3s;
}

.nav-cta:hover {
  background: rgba(0,130,126, 0.22);
  transform: translateY(-1px);
}

/* Nav chevron icon */
.nav-chevron {
  width: 11px;
  height: 11px;
  transition: transform 0.25s ease;
}

/* Wrapper for items with dropdowns */
.nav-item {
  position: relative;
}

.nav-item:hover .nav-chevron {
  transform: rotate(180deg);
}


/* ============================================================
   4b. DROPDOWN MENUS
   ============================================================ */

.dropdown {
  position: absolute;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  top: calc(100% + 14px);
  min-width: 300px;
  background: rgba(11, 21, 32, 0.96);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border: 1px solid var(--rule-strong);
  border-radius: var(--radius-md);
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  z-index: 200;
  transition:
    opacity 0.22s ease,
    transform 0.22s ease,
    visibility 0.22s;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.55);
}

.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dd-row {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  padding: 13px 14px;
  border-radius: var(--radius-sm);
  transition: background 0.16s ease;
}

.dd-row:hover {
  background: rgba(0,130,126, 0.06);
}

.dd-ico {
  width: 38px;
  height: 38px;
  flex: none;
  border-radius: 8px;
  background: rgba(0,130,126, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #00827E;
}

.dd-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  display: block;
}

.dd-desc {
  font-size: 12.5px;
  color: var(--dim-2);
  margin-top: 2px;
  line-height: 1.4;
}


/* ============================================================
   5. HERO
   ============================================================ */

.hero {
  position: relative;
  min-height: 100vh;
  width: 100%;
  display: flex;
  align-items: center;
  z-index: 1;
}

.hero-fade {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(180deg, rgba(9, 17, 25, .45) 0%, transparent 26%, transparent 100%);
}

.hero-content {
  position: relative;
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.hero-title {
  font-family: var(--serif);
  font-weight: 400;
  color: var(--white);
  font-size: clamp(44px, 7.6vw, 96px);
  line-height: 1.02;
  letter-spacing: -.025em;
  text-wrap: balance;
}

.hero-title .italic-teal {
  font-style: italic;
}

.hero-cta {
  margin-top: clamp(34px, 5vh, 56px);
}


/* ============================================================
   6. INTRO — statement + body copy
   ============================================================ */

.intro {
  padding: var(--space-xl) 0 clamp(40px, 6vh, 72px);
}

.intro-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: clamp(36px, 7vw, 96px);
  align-items: start;
}

.intro-statement {
  font-family: var(--serif);
  font-weight: 400;
  letter-spacing: -.015em;
  line-height: 1.18;
  font-size: clamp(26px, 2.9vw, 38px);
  color: var(--white);
  max-width: 18ch;
  text-wrap: balance;
}

.intro-body {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  padding-top: clamp(8px, 2vw, 28px);
}

.intro-body p {
  font-size: 15px;
  line-height: 1.75;
  color: var(--dim);
}

.intro-body strong {
  color: var(--white);
  font-weight: 600;
}


/* ============================================================
   7. IMAGE BAND — office photo placeholder
   ============================================================ */

.band {
  padding: clamp(20px, 4vh, 40px) 0 var(--space-xl);
}

.band-frame {
  position: relative;
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, rgba(13, 27, 42, .55), rgba(9, 17, 25, .35));
  padding: clamp(26px, 4vw, 46px);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: clamp(280px, 42vw, 460px);
  overflow: hidden;
}

.photo-slot {
  width: min(420px, 80%);
  aspect-ratio: 16 / 11;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  background:
    repeating-linear-gradient(45deg, rgba(245, 244, 240, .025) 0 12px, transparent 12px 24px),
    var(--bg-3);
  border: 1px dashed var(--rule-strong);
}

.photo-slot span {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: .28em;
  text-transform: uppercase;
  color: var(--dim-2);
}


/* ============================================================
   8. SERVICES
   ============================================================ */

.services {
  padding: var(--space-xl) 0 clamp(40px, 6vh, 72px);
}

.services-head {
  font-family: var(--serif);
  font-weight: 400;
  letter-spacing: -.02em;
  line-height: 1.08;
  font-size: clamp(30px, 4.2vw, 52px);
  color: var(--white);
  max-width: none;
  margin-bottom: clamp(40px, 6vh, 64px);
  text-wrap: pretty;
}

.svc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
}

.svc-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: clamp(160px, 15vw, 210px);
  padding: 24px;
  border-radius: var(--radius-md);
  background: linear-gradient(150deg, var(--navy) 0%, #091119 70%);
  border: 1px solid var(--rule);
  overflow: hidden;
  transition:
    transform .3s var(--ease),
    border-color .3s var(--ease),
    box-shadow .3s var(--ease);
  will-change: transform;
}

.svc-card:hover {
  transform: translateY(-6px);
  border-color: rgba(0,130,126, .42);
  box-shadow: 0 22px 50px rgba(0, 0, 0, .4);
}

.svc-card::after {
  content: '';
  position: absolute;
  right: -40px;
  top: -40px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,130,126, .16), transparent 68%);
  opacity: 0;
  transition: opacity .3s var(--ease);
}

.svc-card:hover::after {
  opacity: 1;
}

.svc-ico {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  border: 1px solid rgba(0,130,126, .35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-light);
  background: rgba(0,130,126, .08);
}

.svc-name {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 19px;
  color: var(--white);
  letter-spacing: -.01em;
  margin-top: auto;
}

.svc-num {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: .2em;
  color: var(--dim-2);
  margin-top: 10px;
}


/* ============================================================
   9. COVERAGE CTA BAND
   ============================================================ */

.coverage {
  padding: clamp(20px, 4vh, 40px) 0 var(--space-xl);
}

.cta {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--rule-strong);
  border-radius: var(--radius-lg);
  background: linear-gradient(150deg, var(--navy) 0%, #091119 70%);
  padding: clamp(44px, 6vw, 72px);
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: clamp(40px, 6vw, 64px);
  align-items: center;
}

.cta::before {
  content: '';
  position: absolute;
  width: 480px;
  height: 480px;
  right: -120px;
  top: -160px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,130,126, .16), transparent 65%);
}

.cta-title {
  position: relative;
  font-family: var(--serif);
  font-weight: 400;
  letter-spacing: -.02em;
  line-height: 1.06;
  font-size: clamp(30px, 3.6vw, 46px);
  color: var(--white);
  max-width: 12ch;
}

.cta .lead {
  position: relative;
  margin-top: var(--space-md);
}

.cta-actions {
  position: relative;
  margin-top: clamp(28px, 4vh, 38px);
}

.cta-side {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.cta-side .row {
  display: flex;
  gap: 15px;
  align-items: flex-start;
}

.cta-side .ci {
  width: 40px;
  height: 40px;
  flex: none;
  border-radius: 9px;
  background: rgba(245, 244, 240, .06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-light);
}

.cta-side .ck {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--dim-2);
}

.cta-side .cv {
  font-size: 16px;
  color: var(--white);
  margin-top: 3px;
  line-height: 1.45;
}

.cta-side .cv a {
  transition: color .18s var(--ease);
}

.cta-side .cv a:hover {
  color: var(--teal-light);
}


/* ============================================================
   10. FOOTER
   ============================================================ */

footer {
  border-top: 1px solid var(--rule);
  padding: 70px 0 40px;
  margin-top: 20px;
  position: relative;
  z-index: 1;
  background: rgba(9, 17, 25, .6);
}

.foot-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}

.foot-brand .mark-txt {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 26px;
  letter-spacing: -.01em;
}

.foot-brand .mark-txt sup {
  color: var(--teal);
  font-size: 13px;
}

.foot-brand p {
  font-size: 14.5px;
  color: var(--dim);
  margin-top: 16px;
  max-width: 34ch;
  line-height: 1.6;
}

.foot-soc {
  display: flex;
  gap: 12px;
  margin-top: 24px;
}

.foot-soc a {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  border: 1px solid var(--rule);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--dim);
  transition: all .2s ease;
}

.foot-soc a:hover {
  color: var(--teal-light);
  border-color: rgba(0,130,126, .4);
}

.foot-col h5 {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: #f2f4f3;
  margin-bottom: 18px;
}

.foot-col a {
  display: block;
  font-size: 14.5px;
  color: var(--dim);
  padding: 7px 0;
  transition: color .18s var(--ease);
}

.foot-col a:hover {
  color: var(--teal-light);
}

.foot-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 56px;
  padding-top: 28px;
  border-top: 1px solid var(--rule);
  font-size: 13px;
  color: var(--dim-2);
}

.foot-bottom .disc {
  max-width: 62ch;
  line-height: 1.5;
}


/* ============================================================
   11. REVEAL — entrance base states (GSAP/IO add .in)
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition:
    opacity .8s var(--ease),
    transform .8s var(--ease);
}

.reveal.in {
  opacity: 1;
  transform: none;
}

.reveal.d1 { transition-delay: .08s; }
.reveal.d2 { transition-delay: .16s; }
.reveal.d3 { transition-delay: .24s; }
.reveal.d4 { transition-delay: .32s; }


/* ============================================================
   12. RESPONSIVE — mobile-first overrides
   ============================================================ */

@media (max-width: 1080px) {
  .intro-grid       { grid-template-columns: 1fr; gap: var(--space-lg); }
  .intro-statement  { max-width: 30ch; }
  .svc-grid         { grid-template-columns: repeat(2, 1fr); }
  .cta              { grid-template-columns: 1fr; gap: 36px; }
  .foot-top         { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  body              { font-size: 16px; }
  .nav-items .nav-link.hide-sm { display: none; }
  .hero             { min-height: 92vh; padding: 120px 0 70px; }
  .services-head    { max-width: none; }
}

@media (max-width: 560px) {
  .svc-grid  { grid-template-columns: 1fr; }
  .foot-top  { grid-template-columns: 1fr; }
  .nav       { padding: 6px 7px; }
  .nav-link  { padding: 10px 12px; font-size: 13.5px; }
}

@media (prefers-reduced-motion: reduce) {
  *    { animation: none !important; }
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}