@font-face {
    font-family: 'Poppins';
    src: url('../fonts/Poppins-Regular.woff2') format('woff2');
    font-weight: 400;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Poppins';
    src: url('../fonts/Poppins-SemiBold.woff2') format('woff2');
    font-weight: 600;
    font-style: normal;
    font-display: swap;
}

@font-face {
    font-family: 'Poppins';
    src: url('../fonts/Poppins-Bold.woff2') format('woff2');
    font-weight: 700;
    font-style: normal;
    font-display: swap;
}

/* ============================================================
   GoldenTrust Commercial Insurance - Landing Page Styles
   Brand colors (sampled from the GoldenTrust logo):
     Gold : #F5B01E   Navy : #1B3990
   Layout based on the RepipesOnly LP template structure.
   ============================================================ */

:root {
  --gold: #f5b01e;
  --gold-dark: #d99a0b;
  --navy: #1b3990;
  --navy-dark: #12276b;
  --navy-deep: #0d1c4e;
  --ink: #21262e;
  --muted: #5a6472;
  --bg-soft: #f6f8fc;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(13, 28, 78, 0.12);
  --font: "Poppins", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4, p, ul { margin: 0; }
ul { padding: 0; list-style: none; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 20px; }

.title-dark { color: var(--navy); }
.title-bright { color: var(--gold-dark); }

/* ---------- Top bar ---------- */
.top-bar {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 50;
  padding: 14px 0;
  background: transparent;
  transition: background 0.25s ease, box-shadow 0.25s ease, padding 0.25s ease;
}
.top-bar.scrolled {
  background: var(--white);
  box-shadow: 0 4px 18px rgba(13, 28, 78, 0.12);
  padding: 8px 0;
}
.top-bar .topbarhead {
    background: transparent;
    color: #fff;
    font-size: 14px;
    font-weight: 500;
    padding: 8px 10px;
    text-align: center;
    letter-spacing: .3px;
    padding-top: 0px;
}
.top-bar.scrolled .topbarhead {
    color: #1b3990;
}
/* Default */
.logo img:first-child {
    display: none;
}

.logo img:last-child {
    display: block;
}

/* On scroll */
.top-bar.scrolled .logo img:first-child {
    display: block;
}

.top-bar.scrolled .logo img:last-child {
    display: none;
}
.top-bar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.logo img { width: 180px; height: auto; }
.top-cta { display: flex; align-items: center; gap: 14px; }
.top-badge {
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  padding: 8px 14px;
  border-radius: 999px;
  white-space: nowrap;
}
.top-phone {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 10px 18px;
  border-radius: 999px;
  white-space: nowrap;
  transition: background 0.2s ease;
}
.top-phone:hover { background: var(--navy-dark); }
.top-phone span { color: var(--gold); }

/* ---------- Hero ---------- */
.hero {
    position: relative;
    background:
        linear-gradient(rgba(8, 28, 74, 0.75), rgba(8, 28, 74, 0.75)),
        url("../img/insurance-agentbg.webp") center center / cover no-repeat,
        radial-gradient(1100px 600px at 85% -10%, rgba(245, 176, 30, 0.22), transparent 60%),
        linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, #2c4fb3 100%);
    color: var(--white);
    padding-top: 140px;
    overflow: hidden;
}
.hero.wk-hero {
  background:
        linear-gradient(rgba(8, 28, 74, 0.75), rgba(8, 28, 74, 0.75)),
        url("../img/wk-banner.webp") center center / cover no-repeat,
        radial-gradient(1100px 600px at 85% -10%, rgba(245, 176, 30, 0.22), transparent 60%),
        linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, #2c4fb3 100%);
}
/*.hero::after {*/
/*  content: "";*/
/*  position: absolute;*/
/*  inset: 0;*/
/*  background:*/
/*    repeating-linear-gradient(115deg, rgba(255,255,255,0.03) 0 2px, transparent 2px 90px);*/
/*  pointer-events: none;*/
/*}*/
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
  padding-bottom: 70px;
}
.pill {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  padding: 8px 18px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.hero-title {
  font-size: clamp(2.1rem, 4.4vw, 3.4rem);
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 20px;
}
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.88);
  max-width: 480px;
  margin-bottom: 30px;
}
.phone-cta {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  background: var(--gold);
  color: var(--navy-dark);
  border-radius: 12px;
  padding: 14px 34px;
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.25);
  transition: transform 0.15s ease, background 0.2s ease;
}
.phone-cta:hover { background: var(--gold-dark); transform: translateY(-2px); }
.phone-cta-top { font-weight: 700; font-size: 0.8rem; letter-spacing: 0.06em; }
.phone-cta-num { font-weight: 800; font-size: 1.5rem; }

/* ---------- Quote form card ---------- */
.quote-card {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px 28px;
}
.quote-eyebrow {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: 0.06em;
  margin-bottom: 6px;
   text-align:center;
}
.quote-title {
  color: var(--navy);
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1.2;
  text-align:center;
}
.quote-title-underline { width: 250px; margin: 6px auto 18px; }
.quote-form { display: flex; flex-direction: column; gap: 12px; }
.quote-form input[type="text"],
.quote-form input[type="tel"],
.quote-form input[type="email"],
.quote-form textarea {
  width: 100%;
  font-family: var(--font);
  font-size: 0.95rem;
  padding: 12px 14px;
  border: 1.5px solid #dfe4ee;
  border-radius: 9px;
  outline: none;
  transition: border-color 0.2s ease;
  resize: vertical;
}
.quote-form input:focus, .quote-form textarea:focus { border-color: var(--navy); }
.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.72rem;
  color: var(--muted);
  line-height: 1.4;
}
.consent input { margin-top: 3px; }
.recaptcha-wrap { min-height: 10px; }
.submit-btn {
  background: var(--navy);
  color: var(--white);
  font-family: var(--font);
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.04em;
  border: none;
  border-radius: 10px;
  padding: 15px 20px;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.15s ease;
}
.submit-btn:hover { background: var(--navy-dark); transform: translateY(-1px); }
.terms { font-size: 0.7rem; color: var(--muted); text-align: center; }

/* ---------- Trust / features strip ---------- */
.features-strip {
  position: relative;
  z-index: 1;
  background: var(--navy-dark);
  padding: 22px 0;
}
.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.feature { display: flex; align-items: center; gap: 12px; }
.feature img { width: 46px; height: 46px; flex: 0 0 auto; }
.feature-text { display: flex; flex-direction: column; line-height: 1.25; }
.feature-text strong { color: var(--gold); font-size: 0.98rem; }
.feature-text span { color: rgba(255, 255, 255, 0.85); font-size: 0.85rem; }

/* ---------- Section spacing ---------- */
.problem, .specialists, .process, .reviews { padding: 84px 0; }

/* ---------- Advantage (problem) section ---------- */
.problem-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 54px;
  align-items: center;
}
.section-title {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 18px;
}
.solution-text { color: var(--muted); margin-bottom: 28px; max-width: 520px; }
.feature-cards { display: flex; flex-direction: column; gap: 14px; margin-bottom: 30px; }
.feature-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--bg-soft);
  border: 1px solid #e6ebf5;
  border-left: 4px solid var(--gold);
  border-radius: 12px;
  padding: 14px 18px;
}
.feature-card img { width: 44px; height: 44px; flex: 0 0 auto; }
.feature-card p { font-size: 0.95rem; }
.feature-card strong { color: var(--navy); display: block; }
.feature-card span { color: var(--muted); font-size: 0.85rem; }
.problem-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  border-radius: 10px;
  padding: 15px 26px;
  transition: background 0.2s ease, transform 0.15s ease;
}
.problem-cta:hover { background: var(--navy-dark); transform: translateY(-2px); }
.problem-cta span { color: var(--gold); font-size: 1.05rem; font-weight: 800; }

.problem-images {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.problem-img-card {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.problem-img-card:nth-child(even) { transform: translateY(22px); }
.problem-img-card img { width: 100%; height: 200px; object-fit: cover; }
.problem-label {
  position: absolute;
  left: 2px;
  bottom: 12px;
  right: 2px;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 7px 5px;
  border-radius: 8px;
  text-align: center;
}
.label-gold { background: var(--gold); color: var(--navy-dark); }
.label-navy { background: var(--navy); color: var(--white); }

/* ---------- Specialists / why choose us ---------- */
.specialists { background: var(--bg-soft); }
.specialists-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 60px;
  align-items: center;
}
.visual-frame {
  position: relative;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.visual-frame > img {
  width: 100%;
  border-radius: var(--radius);
  border: 6px solid var(--white);
}
.callout {
  position: absolute;
  background: var(--white);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 12px 14px;
  max-width: 230px;
}
.callout-top { top: -24px; right: -18px; }
.callout-bottom { bottom: -24px; left: -18px; }
.callout-pill {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 8px;
}
.callout-body { display: flex; align-items: center; gap: 10px; }
.callout-body p { font-size: 0.8rem; font-weight: 600; color: var(--navy-dark); line-height: 1.35; }
.callout-body img { width: 34px; height: 34px; flex: 0 0 auto; }

.specialists-eyebrow {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.specialists-title {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 26px;
}
.specialist-list { display: flex; flex-direction: column; gap: 18px; margin-bottom: 30px; }
.specialist-list li { display: flex; gap: 14px; }
.check-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  font-weight: 800;
  line-height: 1;
  background: var(--gold);
  color: var(--navy-dark);
  margin-top: 2px;
}
.specialist-list strong { color: var(--navy); font-size: 1.02rem; }
.specialist-list p { color: var(--muted); font-size: 0.92rem; margin-top: 3px; }

/* ---------- Process ---------- */
.process { text-align: center; }
.process-eyebrow {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.process-title {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 46px;
}
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.process-card {
  background: var(--white);
  border: 1px solid #e6ebf5;
  border-top: 5px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px 24px;
}
.process-card h3 {
  color: var(--gold-dark);
  font-size: 0.85rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.process-card img { width: 62px; height: 62px; margin: 0 auto 16px; }
.process-card h4 { color: var(--navy); font-size: 1.12rem; font-weight: 700; margin-bottom: 10px; }
.process-card p { color: var(--muted); font-size: 0.92rem; }

/* ---------- Reviews ---------- */
.reviews { background: var(--bg-soft); }
.reviews-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--gold-dark);
  text-align: center;
  margin-bottom: 8px;
}
.reviews-title {
  text-align: center;
  color: var(--navy);
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 12px;
}
.reviews-rating {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 10px;
  margin-bottom: 36px;
  font-weight: 700;
  color: var(--navy);
}
.reviews-stars { color: var(--gold); font-size: 1.4rem; letter-spacing: 3px; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 26px 24px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
}
.review-card .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; }
.review-card p { flex: 1 1 auto; margin-bottom: 16px; color: var(--ink); line-height: 1.55; font-size: 0.95rem; }
.review-card .reviewer { font-weight: 700; color: var(--navy); }
.review-card .review-src { font-size: 0.78rem; color: var(--muted); }
.reviews-link {
  display: block;
  text-align: center;
  margin-top: 32px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: underline;
}
.reviews-link:hover { color: var(--gold-dark); }

/* ---------- Footer CTA + footer ---------- */
.footer-cta-section {
  background: var(--navy-deep);
  padding-top: 130px;
  position: relative;
}
.cta-cards-row {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 34px;
  align-items: center;
  margin-top: -190px;
  margin-bottom: 60px;
}
.cta-navy {
  background: var(--navy);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  color: var(--white);
  padding: 44px 40px;
}
.cta-eyebrow {
  color: var(--gold);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.cta-title { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; margin-bottom: 14px; }
.cta-text { color: rgba(255, 255, 255, 0.88); margin-bottom: 26px; }
.cta-form-card { align-self: center; }

.footer-info {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
  padding-bottom: 50px;
}
.footer-logo img { width: 210px; }
.footer-cols { display: flex; gap: 44px; flex-wrap: wrap; }
.footer-col { display: flex; align-items: center; gap: 12px; color: rgba(255, 255, 255, 0.9); }
.footer-col img { width: 40px; height: 40px; flex: 0 0 auto; }
.footer-col p { font-size: 0.92rem; }
.footer-col-text { display: flex; flex-direction: column; }
.footer-col-label { color: var(--gold); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.05em; }
.footer-phone-num { color: var(--white); font-size: 1.25rem; font-weight: 800; }
.footer-phone-num:hover { color: var(--gold); }

.footer-bottom { background: #0a1740; padding: 16px 0; }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  flex-wrap: wrap;
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.8rem;
}

.process.covragetype {
    background-color: #f2f2f2;
}
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.cov-card{border:1px solid var(--line);border-radius:14px;padding:26px;background:#fff;}
.cov-card .check{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;margin: 0 auto;margin-bottom: 10px;}
.cov-card h4{color:var(--navy);font-size:20px;margin-bottom:8px;}
.cov-card p{color:var(--muted);font-size:14px;}

.process.covragetype.commercial .cov-grid{grid-template-columns:repeat(2,1fr);}

body.spanish-home .problem-label {
    font-size: 0.65rem;
}


/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-grid, .problem-grid, .specialists-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 36px; }
  .quote-card { max-width: 520px; }
  .problem-images { max-width: 560px; }
  .specialists-visual { order: 2; margin-top: 30px; }
  .specialists-content { order: 1; }
  .callout-top { right: 0; }
  .callout-bottom { left: 0; }
  .cta-cards-row { grid-template-columns: 1fr; margin-top: -150px; }
}
@media (max-width: 860px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; }
  .reviews-grid { grid-template-columns: 1fr; max-width: 520px; margin: 0 auto; }
  .cov-grid {grid-template-columns: repeat(2, 1fr);}
}


@media (max-width: 640px) {
    .hero {
   text-align:center;
}
  .top-badge { display: none; }
  .hero { padding-top: 150px; background-position: 21% center; background-size: auto 130%; }
  .problem-img-card:nth-child(even) { transform: none; }
  .problem-img-card img { height: 160px; }
  .footer-info { justify-content: center; text-align: left; }
  .footer-bottom-inner { justify-content: center; text-align: center; }
  .feature img { width: 35px; height: 35px; flex: 0 0 auto; }
  .feature-text strong {font-size: 0.80rem; }
  .feature-text span {font-size: 0.75rem; }
  
  .quote-eyebrow {
  font-size: 0.90rem;
}
.quote-title {
  font-size: 1.8rem;
}
.callout-top {
    top: -54px;
}
.callout-bottom {
    bottom: -54px;
}
 /* Gallery cards: one by one (single column) */
  .problem-images { grid-template-columns: 1fr; gap: 14px; }
  .problem-img-card:nth-child(even) { transform: none; }
  .problem-img-card img { height: 180px; }
  .problem-label.label-navy {
    background: var(--gold);
    color: var(--navy-dark);
  }
  .quote-card {
  padding: 30px 14px;
}

.problem-cta{
  font-size: 0.7rem;
  padding: 15px 15px;
}
.spanish-cta-top{
    font-size: 0.7rem !important;
}
.spanish-cta{
font-size: 0.6rem !important;
}
}

@media (max-width: 480px) {
  .hero {padding-top: 170px;}
  .cov-grid, .process.covragetype.commercial .cov-grid {grid-template-columns: repeat(1, 1fr);}
  body.spanish-home .problem-label {
    font-size: 0.60rem;
  }
  body.spanish-home .phone-cta-num {
    font-size: 1.2rem;
  }
  body.spanish-home .problem-cta {
    flex-wrap: wrap;
    justify-content: center;
    gap: 0px;
  }
}