/* ============================================================
   IICG — International Insurer's Consulting Group
   Stylesheet
   ============================================================ */

:root {
  --navy-900: #0a1830;
  --navy-800: #0e1f38;
  --navy-700: #16284a;
  --navy-600: #1d3358;
  --gold: #c8a25a;
  --gold-soft: #d8bd86;
  --ink: #1a2436;
  --slate: #54607a;
  --line: #e4e7ee;
  --paper: #ffffff;
  --mist: #f6f7fb;
  --mist-2: #eef1f7;

  --serif: "Cormorant Garamond", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1180px;
  --radius: 14px;
  --shadow-sm: 0 1px 2px rgba(14, 31, 56, .06), 0 8px 24px rgba(14, 31, 56, .06);
  --shadow-md: 0 20px 50px rgba(14, 31, 56, .14);
  --ease: cubic-bezier(.22, 1, .36, 1);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}

/* ---------- Typography helpers ---------- */
.eyebrow,
.section-eyebrow {
  font-size: .78rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--gold);
  margin: 0 0 1rem;
}
.section-eyebrow.light { color: var(--gold-soft); }

.section-title {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(2rem, 4vw, 3.05rem);
  line-height: 1.08;
  letter-spacing: -.01em;
  margin: 0 0 1rem;
  color: var(--navy-800);
}
.section-title.light { color: #fff; }

.section-intro {
  font-size: 1.12rem;
  color: var(--slate);
  max-width: 60ch;
  margin: 0;
}

.lead {
  font-size: 1.2rem;
  color: var(--ink);
  margin-top: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  font-family: var(--sans);
  font-weight: 600;
  font-size: .98rem;
  letter-spacing: .01em;
  padding: .95rem 1.7rem;
  border-radius: 100px;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .25s var(--ease), background .25s var(--ease),
              color .25s var(--ease), border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-900);
  box-shadow: 0 10px 24px rgba(200, 162, 90, .28);
}
.btn-primary:hover { transform: translateY(-2px); background: var(--gold-soft); }
.btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, .35);
}
.btn-ghost:hover { border-color: #fff; transform: translateY(-2px); }
.btn-full { width: 100%; }

/* ============================================================
   Header / Nav
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .82);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s var(--ease), background .3s var(--ease);
}
.site-header.scrolled { border-bottom-color: var(--line); }

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 1.5rem;
}

.brand { display: flex; flex-direction: column; line-height: 1; }
.brand-mark {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.55rem;
  letter-spacing: .12em;
  color: var(--navy-800);
}
.brand-sub {
  font-size: .6rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--slate);
  margin-top: .3rem;
  font-weight: 500;
}

.nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav a {
  font-size: .95rem;
  font-weight: 500;
  color: var(--ink);
  position: relative;
  padding: .25rem 0;
  transition: color .2s var(--ease);
}
.nav a:not(.nav-cta)::after {
  content: "";
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width .3s var(--ease);
}
.nav a:not(.nav-cta):hover { color: var(--navy-800); }
.nav a:not(.nav-cta):hover::after { width: 100%; }

.nav-cta {
  background: var(--navy-800);
  color: #fff !important;
  padding: .6rem 1.3rem !important;
  border-radius: 100px;
  transition: background .25s var(--ease), transform .25s var(--ease);
}
.nav-cta:hover { background: var(--navy-600); transform: translateY(-1px); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  background: none; border: none; cursor: pointer;
  padding: 0;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--navy-800);
  border-radius: 2px;
  transition: transform .3s var(--ease), opacity .2s var(--ease);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  position: relative;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: -2;
  background-image:
    radial-gradient(1200px 600px at 78% -10%, rgba(200, 162, 90, .20), transparent 60%),
    linear-gradient(160deg, rgba(10, 24, 48, .93) 0%, rgba(14, 31, 56, .86) 45%, rgba(22, 40, 74, .80) 100%),
    url("img/hero-elmorro.jpg");
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
}
.hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, .035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .035) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(circle at 70% 30%, #000 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(circle at 70% 30%, #000 30%, transparent 75%);
}
.hero-inner {
  padding: 8.5rem 28px 9rem;
  max-width: 880px;
}
.hero .eyebrow { color: var(--gold-soft); }
.hero-title {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(3rem, 7.5vw, 5.6rem);
  line-height: 1.02;
  letter-spacing: -.015em;
  margin: 0 0 1.6rem;
}
.hero-title .accent { color: var(--gold); }
.hero-lede {
  font-size: 1.27rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, .82);
  max-width: 62ch;
  margin: 0 0 2.4rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; }

.scroll-hint {
  position: absolute;
  left: 50%; bottom: 26px;
  transform: translateX(-50%);
  color: rgba(255, 255, 255, .6);
  font-size: 1.3rem;
  animation: bob 2.2s var(--ease) infinite;
}
@keyframes bob { 0%,100% { transform: translate(-50%, 0); } 50% { transform: translate(-50%, 8px); } }

/* ============================================================
   Stats
   ============================================================ */
.stats {
  background: var(--navy-900);
  color: #fff;
  border-top: 1px solid rgba(255, 255, 255, .07);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255, 255, 255, .08);
  border-radius: 0;
}
.stat {
  background: var(--navy-900);
  padding: 3rem 1.5rem;
  text-align: center;
}
.stat-num {
  display: block;
  font-family: var(--serif);
  font-weight: 700;
  font-size: clamp(2.6rem, 5vw, 3.6rem);
  line-height: 1;
  color: var(--gold);
}
.stat-label {
  display: block;
  margin-top: .7rem;
  font-size: .9rem;
  letter-spacing: .04em;
  color: rgba(255, 255, 255, .72);
}

/* ============================================================
   Sections
   ============================================================ */
.section { padding: 6.5rem 0; }
.section-alt { background: var(--mist); }
.section-dark { background: var(--navy-800); }

.section-head {
  max-width: 760px;
  margin: 0 auto 3.5rem;
  text-align: center;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 4rem;
  align-items: start;
}

/* About */
.check-list { list-style: none; padding: 0; margin: 1.8rem 0 0; }
.check-list li {
  position: relative;
  padding-left: 2rem;
  margin-bottom: .8rem;
  color: var(--ink);
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ---------- Feature grid (Why) ---------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.feature {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.2rem 1.8rem;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.feature:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.feature-icon {
  font-family: var(--serif);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 1rem;
}
.feature h3 { font-size: 1.18rem; margin: 0 0 .6rem; color: var(--navy-800); }
.feature p { margin: 0; color: var(--slate); font-size: .98rem; }

/* ---------- Service cards ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.8rem;
}
.card {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.6rem 2rem;
  overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.card::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.card:hover::before { transform: scaleX(1); }
.card-featured {
  background: var(--navy-800);
  color: #fff;
  border-color: var(--navy-800);
}
.card-featured::before { transform: scaleX(1); }
.card.card-featured h3 { color: #fff; }
.card.card-featured > p { color: rgba(255, 255, 255, .85); }
.card.card-featured .card-num { color: var(--gold-soft); }
.card.card-featured ul li { color: rgba(255, 255, 255, .92); }
.card.card-featured ul li::before { color: var(--gold); }

.card-num {
  font-family: var(--serif);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: .1em;
  color: var(--gold);
}
.card h3 { font-size: 1.34rem; margin: .7rem 0 .8rem; color: var(--navy-800); line-height: 1.2; }
.card > p { color: var(--slate); margin: 0 0 1.4rem; }
.card ul { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--line); padding-top: 1.3rem; }
.card-featured ul { border-top-color: rgba(255, 255, 255, .15); }
.card ul li {
  position: relative;
  padding-left: 1.6rem;
  margin-bottom: .6rem;
  font-size: .96rem;
  color: var(--ink);
}
.card ul li::before {
  content: "→";
  position: absolute; left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ---------- Expertise chips ---------- */
.chip-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.chip-grid li {
  background: rgba(255, 255, 255, .04);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 12px;
  padding: 1.4rem 1.3rem;
  color: rgba(255, 255, 255, .92);
  font-weight: 500;
  font-size: 1rem;
  transition: background .3s var(--ease), border-color .3s var(--ease), transform .3s var(--ease);
}
.chip-grid li:hover {
  background: rgba(200, 162, 90, .12);
  border-color: var(--gold);
  transform: translateY(-3px);
}

/* ---------- Steps (Approach) ---------- */
.steps {
  list-style: none;
  padding: 0; margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.8rem;
  counter-reset: step;
}
.step { position: relative; padding-top: 1.5rem; }
.step::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
}
.step-num {
  font-family: var(--serif);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--mist-2);
  line-height: 1;
}
.step h3 { font-size: 1.2rem; margin: .6rem 0 .5rem; color: var(--navy-800); }
.step p { margin: 0; color: var(--slate); font-size: .98rem; }

/* ============================================================
   Contact
   ============================================================ */
.contact { background: var(--mist); }
.contact-grid { gap: 4rem; align-items: stretch; }

.contact-list { list-style: none; padding: 0; margin: 2.2rem 0 0; }
.contact-list li {
  display: flex;
  flex-direction: column;
  padding: 1.1rem 0;
  border-top: 1px solid var(--line);
}
.contact-list li:last-child { border-bottom: 1px solid var(--line); }
.contact-label {
  font-size: .74rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: .35rem;
}
.contact-list a:hover { color: var(--navy-600); }

.contact-form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.4rem;
  box-shadow: var(--shadow-sm);
}
.field { margin-bottom: 1.2rem; }
.field label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: .45rem;
}
.field input,
.field textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 1rem;
  color: var(--ink);
  padding: .85rem 1rem;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  background: var(--mist);
  transition: border-color .2s var(--ease), background .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(200, 162, 90, .14);
}
.field textarea { resize: vertical; }
.form-note { font-size: .85rem; color: var(--slate); text-align: center; margin: 1rem 0 0; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, .72);
  padding: 4.5rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255, 255, 255, .1);
}
.footer-brand .brand-mark { color: #fff; letter-spacing: .14em; }
.footer-brand p { margin: .6rem 0 0; font-size: .95rem; }
.footer-tag { color: var(--gold-soft) !important; font-family: var(--serif); font-size: 1.15rem !important; font-style: italic; }

.footer-social { display: flex; align-items: center; gap: .7rem; margin-top: 1.4rem; }
.social-link {
  display: inline-flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .18);
  color: rgba(255, 255, 255, .85);
  transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), transform .25s var(--ease);
}
.social-link:hover { background: var(--gold); border-color: var(--gold); color: var(--navy-900); transform: translateY(-2px); }
.social-link svg { width: 19px; height: 19px; fill: currentColor; }

.newsletter-btn {
  display: inline-flex; align-items: center; gap: .55rem;
  margin-top: 1.2rem;
  padding: .72rem 1.35rem;
  border-radius: 100px;
  background: #0A66C2; color: #fff !important;
  font-weight: 600; font-size: .92rem; letter-spacing: .01em;
  transition: background .25s var(--ease), transform .25s var(--ease), box-shadow .25s var(--ease);
}
.newsletter-btn:hover { background: #0954a0; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(10, 102, 194, .3); }
.newsletter-btn svg { width: 18px; height: 18px; fill: currentColor; }
.footer-nav { display: flex; flex-direction: column; gap: .7rem; }
.footer-nav a { font-size: .95rem; transition: color .2s var(--ease); }
.footer-nav a:hover { color: var(--gold); }
.footer-contact p { margin: 0 0 .6rem; font-size: .95rem; }
.footer-contact a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .5rem;
  padding-top: 1.8rem;
  font-size: .85rem;
  color: rgba(255, 255, 255, .5);
}

/* ============================================================
   Photo accents
   ============================================================ */
/* Framed image inside "Why Puerto Rico" */
.why-image {
  margin: 0 auto 3.5rem;
  max-width: 1000px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  position: relative;
}
.why-image img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  object-position: center 55%;
  display: block;
  transform: scale(1.001);
  transition: transform 1.2s var(--ease);
}
.why-image:hover img { transform: scale(1.05); }
.why-image::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(10, 24, 48, .35));
  pointer-events: none;
}

/* Full-width cinematic divider band */
.image-band {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  background-image:
    linear-gradient(120deg, rgba(10, 24, 48, .82) 0%, rgba(10, 24, 48, .55) 55%, rgba(10, 24, 48, .45) 100%),
    url("img/band-coast.jpg");
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
}
.image-band-inner { max-width: 720px; color: #fff; padding: 5rem 28px; }
.image-band .eyebrow { color: var(--gold-soft); }
.image-band h2 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  line-height: 1.1;
  margin: 0 0 1rem;
}
.image-band p.band-sub {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, .82);
  margin: 0;
  max-width: 52ch;
}

/* ============================================================
   Reveal animation
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .scroll-hint { animation: none; }
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1000px) {
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .chip-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 860px) {
  .nav {
    position: fixed;
    inset: 76px 0 auto 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    padding: 1rem 28px 1.6rem;
    box-shadow: var(--shadow-md);
    transform: translateY(-130%);
    transition: transform .4s var(--ease);
  }
  .nav.open { transform: translateY(0); }
  .nav a { width: 100%; padding: .9rem 0; border-bottom: 1px solid var(--mist-2); }
  .nav a:not(.nav-cta)::after { display: none; }
  .nav-cta { margin-top: 1rem; text-align: center; }
  .nav-toggle { display: flex; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; gap: 2rem; }
  .cards { grid-template-columns: 1fr; }
  .section-head { text-align: left; margin-bottom: 2.5rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .image-band { background-attachment: scroll; min-height: 46vh; }
  .why-image img { height: 250px; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .section { padding: 4.5rem 0; }
  .hero-inner { padding: 6rem 24px 6.5rem; }
  .feature-grid, .chip-grid, .steps { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat { padding: 2.2rem 1rem; }
  .contact-form { padding: 1.8rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
}