/* Prime Cover Insurance Company - Official Website Styles */
/* Prepared by LionTech Advisory LTD */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --navy:      #0D2B55;
      --navy-deep: #081A36;
      --navy-mid:  #1A3E6F;
      --blue-500:  #1D5FA8;
      --blue-400:  #2E7DD6;
      --blue-light:#E8F1FA;
      --gold:      #C8962B;
      --gold-light:#F5E8CC;
      --white:     #FFFFFF;
      --ink-800:   #0F1923;
      --ink-600:   #3A4657;
      --ink-400:   #6B7A90;
      --ink-200:   #C8D0DC;
      --bg:        #F7F9FC;
      --radius:    10px;
      --shadow:    0 4px 24px rgba(13,43,85,.12);
      --shadow-sm: 0 2px 10px rgba(13,43,85,.08);
    }
    html { scroll-behavior: smooth; }
    body { font-family:'Inter',sans-serif; color:var(--ink-800); background:#fff; line-height:1.6; }
    a { color:inherit; text-decoration:none; }
    img { max-width:100%; display:block; }

    /* ── WRAP ── */
    .wrap { max-width:1180px; margin:0 auto; padding:0 28px; }

    /* ── NAV ── */
    nav {
      position:sticky; top:0; z-index:200;
      background:var(--navy); border-bottom:1px solid var(--navy-mid);
      box-shadow:0 2px 12px rgba(0,0,0,.25);
    }
    .nav-inner { display:flex; align-items:center; justify-content:space-between; padding:0 28px; height:64px; max-width:1180px; margin:0 auto; }
    .nav-logo { display:flex; align-items:center; gap:12px; }
    .nav-logo-mark {
      width:38px; height:38px; background:var(--white); border-radius:6px;
      display:flex; align-items:center; justify-content:center;
    }
    .nav-logo-mark svg { width:26px; height:26px; }
    .nav-brand { line-height:1.2; }
    .nav-brand .line1 { font-size:15px; font-weight:700; color:#fff; letter-spacing:.3px; }
    .nav-brand .line2 { font-size:10px; font-weight:500; color:#8FB8DA; letter-spacing:.6px; text-transform:uppercase; }
    .nav-links { display:flex; gap:6px; align-items:center; }
    .nav-links a { color:rgba(255,255,255,.82); font-size:13.5px; font-weight:500; padding:6px 12px; border-radius:6px; transition:all .15s; }
    .nav-links a:hover { color:#fff; background:rgba(255,255,255,.1); }
    .nav-links .btn-nav { background:var(--gold); color:#fff; padding:7px 18px; border-radius:7px; font-weight:600; }
    .nav-links .btn-nav:hover { background:#b5841f; }
    .nav-toggle { display:none; background:none; border:none; cursor:pointer; padding:8px; }
    .nav-toggle span { display:block; width:22px; height:2px; background:#fff; margin:5px 0; border-radius:2px; transition:.2s; }

    /* ── BUTTONS ── */
    .btn { display:inline-flex; align-items:center; gap:8px; padding:12px 26px; border-radius:8px; font-size:14.5px; font-weight:600; cursor:pointer; border:none; transition:all .15s; line-height:1; }
    .btn-gold { background:var(--gold); color:#fff; }
    .btn-gold:hover { background:#b5841f; transform:translateY(-1px); }
    .btn-outline { background:transparent; color:var(--navy); border:2px solid var(--navy); }
    .btn-outline:hover { background:var(--navy); color:#fff; }
    .btn-outline-white { background:transparent; color:#fff; border:2px solid rgba(255,255,255,.6); }
    .btn-outline-white:hover { background:rgba(255,255,255,.1); border-color:#fff; }

    /* ── HERO BANNER ── */
    .hero-banner-section { background:var(--navy-deep); }
    .hero-banner-img {
      width:100%;
      max-height:520px;
      object-fit:cover;
      object-position:center 20%;
      display:block;
    }
    .hero-cta-strip {
      background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
      padding: 36px 28px;
      text-align: center;
    }
    .hero-cta-strip h1 { font-family:'Playfair Display',serif; font-size:32px; color:#fff; margin-bottom:10px; }
    .hero-cta-strip .tagline { font-size:16px; color:#8FB8DA; font-style:italic; margin-bottom:8px; }
    .hero-cta-strip .lead { font-size:14.5px; color:rgba(255,255,255,.78); max-width:700px; margin:0 auto 26px; }
    .hero-btns { display:flex; gap:14px; justify-content:center; flex-wrap:wrap; }

    /* ── TRUST STRIP ── */
    .trust { background:var(--blue-light); border-bottom:1px solid var(--ink-200); padding:22px 0; }
    .trust .wrap { display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }
    .trust-item { text-align:center; }
    .trust-item .num { font-size:28px; font-weight:700; color:var(--navy); line-height:1; }
    .trust-item .lbl { font-size:12.5px; color:var(--ink-600); margin-top:3px; font-weight:500; }

    /* ── SECTION SHARED ── */
    section { padding:64px 0; }
    .sec-kicker { font-size:11.5px; font-weight:700; letter-spacing:1.4px; text-transform:uppercase; color:var(--gold); margin-bottom:10px; }
    .sec-title { font-family:'Playfair Display',serif; font-size:30px; color:var(--navy); margin-bottom:14px; line-height:1.25; }
    .sec-lead { font-size:15px; color:var(--ink-600); max-width:580px; line-height:1.7; }

    /* ── SERVICES ── */
    .services { background:var(--bg); }
    .services .wrap > .sec-title, .services .wrap > .sec-kicker, .services .wrap > .sec-lead { text-align:center; margin-left:auto; margin-right:auto; }
    .cards-3 { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:44px; }
    .card {
      background:#fff; border-radius:var(--radius); padding:28px 24px 24px;
      box-shadow:var(--shadow-sm); border:1px solid var(--ink-200);
      display:flex; flex-direction:column; gap:14px; transition:transform .15s,box-shadow .15s;
    }
    .card:hover { transform:translateY(-3px); box-shadow:var(--shadow); }
    .card-icon { width:44px; height:44px; border-radius:10px; background:var(--blue-light); display:flex; align-items:center; justify-content:center; }
    .card-icon svg { width:24px; height:24px; stroke:var(--navy); }
    .card h3 { font-size:16px; font-weight:700; color:var(--navy); }
    .card p { font-size:13.5px; color:var(--ink-600); flex:1; line-height:1.65; }
    .card a { font-size:13px; font-weight:600; color:var(--blue-500); display:flex; align-items:center; gap:4px; }
    .card a:hover { color:var(--gold); }

    /* ── ABOUT ── */
    .about-grid { display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center; }
    .about-img-wrap { position:relative; border-radius:14px; overflow:hidden; box-shadow:var(--shadow); }
    .about-img-wrap img { width:100%; height:380px; object-fit:cover; }
    .about-badge {
      position:absolute; bottom:20px; left:20px;
      background:var(--navy); color:#fff; border-radius:10px; padding:14px 20px;
      font-size:13px; font-weight:600; line-height:1.4; max-width:200px;
      box-shadow:0 4px 16px rgba(0,0,0,.3);
    }
    .about-badge strong { font-size:22px; font-weight:700; display:block; margin-bottom:2px; }
    .about-points { display:flex; flex-direction:column; gap:16px; margin-top:26px; }
    .about-pt { display:flex; gap:14px; align-items:flex-start; }
    .about-pt-icon { min-width:32px; height:32px; border-radius:50%; background:var(--blue-light); display:flex; align-items:center; justify-content:center; }
    .about-pt-icon svg { width:16px; height:16px; stroke:var(--navy); }
    .about-pt-text h4 { font-size:14px; font-weight:700; color:var(--navy); }
    .about-pt-text p { font-size:13px; color:var(--ink-600); margin-top:2px; line-height:1.5; }

    /* ── PROCESS ── */
    .process-sec { background:var(--navy-deep); color:#fff; }
    .process-sec .sec-kicker { color:#8FB8DA; }
    .process-sec .sec-title { color:#fff; }
    .process-sec .sec-lead { color:rgba(255,255,255,.72); }
    .process-sec .sec-title, .process-sec .sec-kicker, .process-sec .sec-lead { text-align:center; margin-left:auto; margin-right:auto; }
    .process { display:flex; gap:0; margin-top:48px; position:relative; justify-content:space-between; }
    .process::before {
      content:''; position:absolute; top:28px; left:10%; right:10%; height:2px;
      background:rgba(255,255,255,.15); z-index:0;
    }
    .process-step { flex:1; text-align:center; position:relative; z-index:1; }
    .process-num {
      width:56px; height:56px; border-radius:50%; background:var(--gold); color:#fff;
      font-size:20px; font-weight:700; display:flex; align-items:center; justify-content:center;
      margin:0 auto 16px; box-shadow:0 4px 16px rgba(200,150,43,.4);
    }
    .process-step h4 { font-size:14.5px; font-weight:700; color:#fff; margin-bottom:6px; }
    .process-step p { font-size:13px; color:rgba(255,255,255,.65); max-width:160px; margin:0 auto; line-height:1.55; }

    /* ── WHY US ── */
    .whyus { background:var(--bg); }
    .whyus .wrap > .sec-title, .whyus .wrap > .sec-kicker, .whyus .wrap > .sec-lead { text-align:center; margin-left:auto; margin-right:auto; }
    .whyus-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:44px; }
    .why-item { background:#fff; border-radius:var(--radius); padding:28px 24px; border:1px solid var(--ink-200); }
    .why-item svg { width:28px; height:28px; stroke:var(--blue-500); margin-bottom:14px; }
    .why-item h4 { font-size:15px; font-weight:700; color:var(--navy); margin-bottom:8px; }
    .why-item p { font-size:13.5px; color:var(--ink-600); line-height:1.6; }

    /* ── SPLIT (FLEET) ── */
    .split { display:grid; grid-template-columns:1fr 1fr; }
    .split-panel { padding:56px 48px; display:flex; flex-direction:column; gap:16px; justify-content:center; }
    .split-panel.dark { background:var(--navy); }
    .split-panel.light { background:var(--blue-light); }
    .split-panel.dark .sec-kicker { color:#8FB8DA; }
    .split-panel.dark h2 { font-family:'Playfair Display',serif; font-size:26px; color:#fff; }
    .split-panel.dark p { font-size:14px; color:rgba(255,255,255,.75); line-height:1.65; }
    .split-panel.dark ul { list-style:none; display:flex; flex-direction:column; gap:10px; }
    .split-panel.dark ul li { font-size:13.5px; color:rgba(255,255,255,.78); padding-left:18px; position:relative; }
    .split-panel.dark ul li::before { content:'✓'; position:absolute; left:0; color:var(--gold); font-weight:700; }
    .split-panel.light h2 { font-family:'Playfair Display',serif; font-size:26px; color:var(--navy); }
    .split-panel.light p { font-size:14px; color:var(--ink-600); line-height:1.65; }
    .split-panel.light ul { list-style:none; display:flex; flex-direction:column; gap:10px; }
    .split-panel.light ul li { font-size:13.5px; color:var(--ink-600); padding-left:18px; position:relative; }
    .split-panel.light ul li::before { content:'✓'; position:absolute; left:0; color:var(--navy); font-weight:700; }
    .split-panel.light .sec-kicker { color:var(--navy); }

    /* ── CTA BAND ── */
    .cta-band { background: linear-gradient(135deg,var(--navy),var(--blue-500)); padding:56px 0; }
    .cta-band .wrap { display:grid; grid-template-columns:1fr auto; gap:32px; align-items:center; }
    .cta-band h2 { font-family:'Playfair Display',serif; font-size:26px; color:#fff; margin-bottom:8px; }
    .cta-band p { font-size:14.5px; color:rgba(255,255,255,.78); }
    .cta-band-btns { display:flex; gap:12px; flex-wrap:wrap; }

    /* ── FAQ ── */
    details { border:1px solid var(--ink-200); border-radius:8px; overflow:hidden; margin-bottom:10px; }
    details[open] { border-color:var(--navy); }
    summary {
      padding:16px 20px; font-size:14.5px; font-weight:600; color:var(--navy);
      cursor:pointer; list-style:none; display:flex; justify-content:space-between; align-items:center;
      background:#fff;
    }
    summary::after { content:'+'; font-size:20px; font-weight:300; color:var(--gold); }
    details[open] summary::after { content:'−'; }
    details > p { padding:0 20px 18px; font-size:13.5px; color:var(--ink-600); line-height:1.7; background:#fff; border-top:1px solid var(--bg); }

    /* ── CONTACT ── */
    .contact-grid { display:grid; grid-template-columns:1fr 1.5fr; gap:48px; align-items:start; }
    .contact-info h4 { font-size:13px; font-weight:700; color:var(--navy); letter-spacing:.5px; text-transform:uppercase; margin-top:20px; margin-bottom:4px; }
    .contact-info h4:first-child { margin-top:0; }
    .contact-info p { font-size:14px; color:var(--ink-600); }
    .contact-info a { color:var(--blue-500); }
    .contact-info a:hover { color:var(--gold); }
    .script-text { font-family:'Playfair Display',serif; font-style:italic; font-size:20px; color:var(--navy); margin-top:24px; }
    .contact-channels { display:flex; flex-direction:column; gap:10px; margin-top:16px; }
    .ch-row { display:flex; align-items:center; gap:10px; font-size:14px; color:var(--ink-600); }
    .ch-row svg { width:18px; height:18px; stroke:var(--gold); flex-shrink:0; }
    .contact-form { background:var(--bg); border-radius:var(--radius); padding:32px 28px; }
    .contact-form h3 { font-size:17px; font-weight:700; color:var(--navy); margin-bottom:20px; }
    .form-row { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
    .form-group { display:flex; flex-direction:column; gap:6px; margin-bottom:16px; }
    .form-group label { font-size:12.5px; font-weight:600; color:var(--ink-600); letter-spacing:.3px; }
    .form-group input, .form-group select, .form-group textarea {
      border:1.5px solid var(--ink-200); border-radius:7px; padding:10px 14px;
      font-size:14px; font-family:'Inter',sans-serif; color:var(--ink-800);
      background:#fff; transition:border .15s;
    }
    .form-group input:focus, .form-group select:focus, .form-group textarea:focus {
      outline:none; border-color:var(--blue-400);
    }
    .form-group textarea { resize:vertical; min-height:100px; }
    .form-note { font-size:12px; color:var(--ink-400); margin-top:8px; line-height:1.5; }
    .form-submit { margin-top:4px; width:100%; justify-content:center; }

    /* ── FOOTER ── */
    footer { background:var(--navy-deep); color:rgba(255,255,255,.72); padding:56px 0 0; }
    .footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1.2fr; gap:36px; }
    .footer-brand .line1 { font-size:15px; font-weight:700; color:#fff; margin-bottom:4px; }
    .footer-brand .line2 { font-size:11px; letter-spacing:.8px; text-transform:uppercase; color:#8FB8DA; }
    .footer-brand p { font-size:13px; margin-top:14px; line-height:1.65; color:rgba(255,255,255,.65); }
    .footer-col h5 { font-size:12.5px; font-weight:700; letter-spacing:.8px; text-transform:uppercase; color:#fff; margin-bottom:14px; }
    .footer-col ul { list-style:none; display:flex; flex-direction:column; gap:9px; }
    .footer-col ul li a { font-size:13px; color:rgba(255,255,255,.65); transition:color .15s; }
    .footer-col ul li a:hover { color:var(--gold); }
    .footer-contact p { font-size:13px; color:rgba(255,255,255,.65); line-height:1.6; }
    .footer-contact a { color:#8FB8DA; }
    .footer-social { display:flex; gap:10px; margin-top:16px; }
    .footer-social a {
      width:34px; height:34px; border-radius:50%; border:1px solid rgba(255,255,255,.2);
      display:flex; align-items:center; justify-content:center; transition:all .15s;
    }
    .footer-social a:hover { border-color:var(--gold); background:rgba(200,150,43,.15); }
    .footer-social svg { width:15px; height:15px; stroke:#8FB8DA; }
    .footer-divider { border:none; border-top:1px solid rgba(255,255,255,.1); margin:40px 0 0; }
    .footer-bottom {
      display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px;
      padding:18px 28px; max-width:1180px; margin:0 auto; font-size:12px; color:rgba(255,255,255,.45);
    }
    .footer-legal-note { font-size:11.5px; color:rgba(255,255,255,.38); margin-top:20px; max-width:1180px; margin-left:auto; margin-right:auto; padding:0 28px; line-height:1.6; }

    /* ── RESPONSIVE ── */
    @media (max-width:960px) {
      .trust .wrap { grid-template-columns:repeat(2,1fr); }
      .cards-3,.whyus-grid,.footer-grid { grid-template-columns:1fr 1fr; }
      .about-grid,.split,.cta-band .wrap,.contact-grid { grid-template-columns:1fr; }
      .split-panel { padding:40px 28px; }
      .process { flex-direction:column; gap:32px; }
      .process::before { display:none; }
      .form-row { grid-template-columns:1fr; }
      .cta-band-btns { margin-top:16px; }
      nav .nav-links { display:none; }
      .nav-toggle { display:block; }
      .hero-cta-strip h1 { font-size:24px; }
    }
    @media (max-width:600px) {
      .cards-3,.whyus-grid,.trust .wrap,.footer-grid { grid-template-columns:1fr; }
      .hero-banner-img { max-height:280px; }
      .hero-cta-strip { padding:24px 20px; }
    }