/* =========================================
   VARIABLES
========================================= */

:root {
  --cream: #f9f6ef;
  --navy: #153b7f;
  --dark-navy: #0e2a5d;
  --green: #3e8e08;
  --light-green: #79bc83;
  --border: #d8d4ca;
  --white: #ffffff;
}


/* =========================================
   RESET
========================================= */

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

html {
  scroll-behavior: smooth;
}

body {
  width: 100%;
  margin: 0;
  overflow-x: hidden;

  background: var(--cream);
  color: var(--dark-navy);

  font-family: "Instrument Sans", sans-serif;
}

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

a {
  color: inherit;
}


/* =========================================
   SHARED CONTAINER
========================================= */

.insurance-container {
  width: min(1220px, calc(100% - 80px));
  margin-inline: auto;
}


/* =========================================
   HEADER
========================================= */

.site-header {
  position: relative;
  z-index: 1000;

  width: 100%;

  background: var(--cream);
  border-bottom: 1px solid var(--border);
}

.navbar {
  position: relative;

  width: 100%;
  min-height: 125px;
  padding: 18px 70px;

  display: flex;
  align-items: center;
}

.logo {
  display: inline-flex;
  align-items: center;
}

.logo img {
  width: 105px;
  height: 105px;
  object-fit: contain;
}

.nav-links {
  position: absolute;
  top: 50%;
  left: 50%;

  display: flex;
  align-items: center;
  gap: 55px;

  transform: translate(-50%, -50%);
}

.nav-item,
.dropbtn {
  padding: 10px 0;

  border: 0;
  background: transparent;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: 15px;
  font-weight: 400;
  letter-spacing: 2px;
  text-transform: uppercase;
  text-decoration: none;

  cursor: pointer;
  white-space: nowrap;

  transition: color 0.25s ease;
}

.nav-item:hover,
.dropbtn:hover {
  color: var(--green);
}


/* Dropdown */

.dropdown {
  position: relative;
}

.dropdown-content {
  position: absolute;
  top: 100%;
  left: 0;

  display: none;

  min-width: 285px;
  padding: 10px 0;

  background: var(--cream);
  border: 1px solid var(--border);
  box-shadow: 0 15px 35px rgba(14, 42, 93, 0.1);
}

.dropdown:hover .dropdown-content,
.dropdown:focus-within .dropdown-content {
  display: block;
}

.dropdown-content a {
  display: block;
  padding: 14px 20px;

  color: var(--dark-navy);

  font-family: "Libre Caslon Text", serif;
  font-size: 15px;
  line-height: 1.35;
  text-decoration: none;

  border-bottom: 1px solid rgba(14, 42, 93, 0.1);

  transition:
    color 0.2s ease,
    background-color 0.2s ease,
    padding-left 0.2s ease;
}

.dropdown-content a:last-child {
  border-bottom: 0;
}

.dropdown-content a:hover {
  padding-left: 25px;

  background: rgba(62, 142, 8, 0.08);
  color: var(--green);
}


/* =========================================
   SHARED TEXT
========================================= */

.eyebrow {
  margin: 0 0 20px;

  color: var(--green);

  font-size: 14px;
  font-weight: 600;
  letter-spacing: 5px;
  line-height: 1.3;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}


/* =========================================
   HERO
========================================= */

.insurance-hero {
  width: 100%;
  padding: 100px 0 115px;
  background: var(--cream);
}

.insurance-hero-grid {
  display: block;
}

.insurance-hero-copy {
  width: min(1000px, 100%);
  margin: 0 auto;
  text-align: center;
}

.insurance-hero-copy .eyebrow {
  margin: 0 0 25px;
}

.insurance-hero-copy h1 {
  max-width: 950px;
  margin: 0 auto 30px;

  color: var(--navy);
  font-family: "Libre Caslon Text", serif;
  font-size: 100px;
  font-weight: 400;
  line-height: 1;
  letter-spacing: -1px;
}

.insurance-hero-copy .hero-description {
  max-width: 680px;
  margin: 0 auto 36px;

  color: var(--dark-navy);
  font-size: 18px;
  line-height: 1.75;
}

/* =========================================
   SERVICES
========================================= */

.insurance-services {
  position: relative;

  width: 100%;
  padding: 130px 0;

  overflow: hidden;
  background: var(--cream);
}

/* Subtle faded shield/globe watermark */

.insurance-services::before {
  content: "";

  position: absolute;
  top: 50%;
  left: 38%;

  width: 1050px;
  height: 1050px;

  background:
    url("images/insurance-watermark.png")
    center / contain
    no-repeat;

  opacity: 0.025;
  pointer-events: none;

  transform: translate(-50%, -50%);
}

.insurance-services-layout {
  position: relative;
  z-index: 1;

  display: grid;
  grid-template-columns: minmax(330px, 0.75fr) minmax(0, 1.25fr);
  gap: 110px;
}
.insurance-services-layout {
    position: relative;
    display: grid;
    grid-template-columns: minmax(330px, 0.75fr) minmax(0, 1.25fr);
    gap: 110px;
}

.insurance-services-layout::before {
    content: "";

    position: absolute;
    top: 0;
    left: 0;
    right: 0;

    height: 1px;
    background: var(--border);
}

.insurance-services-heading {
  position: sticky;
  top: 80px;

  align-self: start;
}

.insurance-services-heading h2 {
  max-width: 460px;
  margin: 0;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: 45px;
  font-weight: 400;
  line-height: 1.02;
}

.insurance-service-row {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 30px;

  padding: 42px 0;

  border-top: 1px solid var(--border);
}

.insurance-service-row:last-child {
  border-bottom: 1px solid var(--border);
}

.service-number {
  padding-top: 8px;

  color: var(--green);

  font-size: 14px;
  font-weight: 600;
  letter-spacing: 3px;
}

.service-content h3 {
  margin-bottom: 16px;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: clamp(29px, 2.6vw, 40px);
  font-weight: 400;
  line-height: 1.1;
}

.service-content p {
  max-width: 620px;
  margin-bottom: 0;

  font-size: 17px;
  line-height: 1.75;
}

.insurance-services {
    position: relative;
    overflow: hidden;
    z-index: 1;
}

.insurance-services::before {
    content: "";

    position: absolute;

    width: 1200px;
    height: 1200px;

    top: 60%;
    left: 25%;

    transform: translate(-50%, -50%);

    background: url("images/insurance.png")
                center/contain
                no-repeat;

    opacity: 0.025;

    z-index: -1;
    pointer-events: none;
}
/* =========================================
   COVERAGE CARDS
========================================= */

.insurance-coverage {
  width: 100%;
  padding: 130px 0;

  background: var(--navy);
}

.coverage-heading {
  max-width: 760px;
  margin: 0 auto 65px;

  text-align: center;
}

.coverage-heading h2 {
  margin: 0;

  color: var(--cream);

  font-family: "Libre Caslon Text", serif;
  font-size: clamp(48px, 5vw, 72px);
  font-weight: 400;
  line-height: 1.02;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 26px;
}

.coverage-card {
  position: relative;

  min-height: 540px;

  overflow: hidden;
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;

  border-radius: 22px;

  transition: transform 0.35s ease;
}

.coverage-card:hover {
  transform: translateY(-8px);
}

.medical-card {
  background-image: url("images/emergency.png");
}

.baggage-card {
  background-image: url("images/baggage.png");
}

.cancellation-card {
  background-image: url("images/trip.png");
}

.coverage-overlay {
  position: absolute;
  inset: 0;

  display: flex;
  flex-direction: column;
  justify-content: flex-end;

  padding: 38px;

  background: linear-gradient(
    to top,
    rgba(7, 27, 67, 0.97) 0%,
    rgba(7, 27, 67, 0.62) 47%,
    rgba(7, 27, 67, 0.08) 100%
  );
}

.coverage-number {
  margin-bottom: auto;

  color: rgba(255, 255, 255, 0.8);

  font-size: 13px;
  font-weight: 600;
  letter-spacing: 3px;
}

.coverage-overlay h3 {
  margin-bottom: 18px;

  color: var(--white);

  font-family: "Libre Caslon Text", serif;
  font-size: 36px;
  font-weight: 400;
  line-height: 1.08;
}

.coverage-overlay > p:last-child {
  margin-bottom: 0;

  color: rgba(255, 255, 255, 0.88);

  font-size: 16px;
  line-height: 1.7;
}


/* =========================================
   TRAVELERS
========================================= */

.insurance-travelers {
  width: 100%;
  padding: 130px 0;

  background: var(--cream);
}

.travelers-heading {
  display: grid;
  grid-template-columns: 0.7fr 1.3fr;
  align-items: end;
  gap: 70px;

  margin-bottom: 70px;
}

.travelers-heading .eyebrow {
  margin-bottom: 10px;
}

.travelers-heading h2 {
  max-width: 690px;
  margin: 0;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: clamp(48px, 5vw, 70px);
  font-weight: 400;
  line-height: 1.03;
}

.traveler-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));

  border-top: 1px solid var(--border);
  border-left: 1px solid var(--border);
}

.traveler-card {
  min-height: 310px;
  padding: 42px;

  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);

  transition:
    background-color 0.25s ease,
    transform 0.25s ease;
}

.traveler-card:hover {
  background: var(--cream);
}

.traveler-card span {
  display: block;
  margin-bottom: 70px;

  color: var(--green);

  font-size: 13px;
  font-weight: 600;
  letter-spacing: 3px;
}

.traveler-card h3 {
  margin-bottom: 18px;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: 31px;
  font-weight: 400;
  line-height: 1.1;
}

.traveler-card p {
  max-width: 470px;
  margin-bottom: 0;

  font-size: 16px;
  line-height: 1.7;
}


/* =========================================
   PROCESS
========================================= */

.insurance-process {
  width: 100%;
  padding: 130px 0;

  background: var(--cream);
}

.process-heading {
  max-width: 800px;
  margin-bottom: 70px;
}

.process-heading h2 {
  margin: 0;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: clamp(48px, 5vw, 70px);
  font-weight: 400;
  line-height: 1.03;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));

  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.process-card {
  min-height: 330px;
  padding: 42px;

  border-right: 1px solid var(--border);
}

.process-card:last-child {
  border-right: 0;
}

.process-card span {
  display: block;
  margin-bottom: 75px;

  color: var(--green);

  font-size: 14px;
  font-weight: 600;
  letter-spacing: 3px;
}

.process-card h3 {
  margin-bottom: 20px;

  color: var(--navy);

  font-family: "Libre Caslon Text", serif;
  font-size: 30px;
  font-weight: 400;
  line-height: 1.1;
}

.process-card p {
  margin-bottom: 0;

  font-size: 16px;
  line-height: 1.7;
}


/* =========================================
   IMPORTANT NOTE
========================================= */

.insurance-note {
  width: 100%;
  padding: 55px 0;

  background: var(--cream);
  border-top: 1px solid var(--border);
}

.insurance-note-grid {
  display: grid;
  grid-template-columns: 0.65fr 1.35fr;
  gap: 70px;
  align-items: start;
}

.insurance-note .eyebrow {
  margin: 5px 0 0;
}

.insurance-note-text {
  max-width: 800px;
  margin: 0;

  font-size: 16px;
  line-height: 1.8;
}


/* =========================================
   SHARED CONTACT SECTION
========================================= */

.shared-contact-section{
    width: 100%;
    max-width: none;

    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(360px, 0.9fr);
    align-items: center;
    gap: 120px;

    min-height: 590px;

    padding:
        110px
        max(80px, calc((100vw - 1220px) / 2));

    background: var(--navy);
    color: var(--cream);
}


/* LEFT SIDE */

.shared-contact-copy{
    width: 100%;
    max-width: 650px;

    justify-self: start;
}

.shared-contact-label{
    margin: 10px 0px 20px;

    color: var(--green);
    font-family: "Instrument Sans", sans-serif;
    font-size: 16px;
    font-weight: 600;
    letter-spacing: 6px;
    line-height: 1;
    text-transform: uppercase;
}

.shared-contact-copy h2{
    max-width: 650px;
    
    color: var(--cream);
    font-family: "Libre Caslon Text", serif;
    font-size: clamp(44px, 4.2vw, 64px);
    font-weight: 400;
    line-height: 1.03;
}

.shared-contact-description{
    margin-top: 30px;     /* Increase this value to move it lower */
    margin-bottom: 0;

    color: var(--cream);
    font-family: "Instrument Sans", sans-serif;
    font-size: 18px;
    line-height: 1.7;
    max-width: 520px;
}
/* RIGHT SIDE */

.shared-contact-details{
    display: flex;
    flex-direction: column;
    align-items: flex-start;

    width: 100%;
    max-width: 460px;

    justify-self: end;

    gap: 14px;
}

.shared-contact-details h3{
    margin: 0 0 28px;
    margin-left: 145px;
    color: var(--cream);
    font-family: "Libre Caslon Text", serif;
    font-size: 45px;
    font-weight: 400;
    line-height: 1.1;
}

.shared-contact-details a,
.shared-contact-details p{
    margin: 0;
    margin-left:165px;
    color: var(--cream);
    font-family: "Instrument Sans", sans-serif;
    font-size: 16px;
    line-height: 1.7;
    text-decoration: none;
}

.shared-contact-details > a:not(.shared-contact-button):hover{
    color: var(--light-gold);
}

.insurance-contact-button{
    display:inline-flex;
    align-items:center;
    justify-content:center;

    margin-top:20px;
    margin-left:165px;

    width:290px;
    height:52px;

    background:var(--green);
    border:1px solid var(--green);

    color:#fff;
    text-decoration:none;

    font-family:"Instrument Sans", sans-serif;
    font-size:13px;
    font-weight:600;
    letter-spacing:3px;
    text-transform:uppercase;

    transition:all .25s ease;
}

.insurance-contact-button:hover{
    background:#327306;
}
/* =========================================
   FOOTER
========================================= */

.site-footer {
  width: 100%;
 
  background: var(--dark-navy);
  color: var(--cream);
}

.footer-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 30px;
}

.footer-content p {
  margin: 0;

  font-size: 14px;
}

.footer-content a {
  color: var(--cream);

  font-size: 14px;
  text-decoration: none;
}

.footer-content a:hover {
  color: var(--light-green);
}

.insurance-footer {

  background:var(--navy);
  width: 100%;
  text-align: center;
}

.insurance-footer p {
  margin-left: -990px;
  margin-top: -30px;
  color:var(--cream);
  font-family: "Instrument Sans", sans-serif;
  font-size: 14spx;
}




/* TABLET */

@media (max-width: 900px){
    .shared-contact-section{
        grid-template-columns: 1fr;
        gap: 65px;

        min-height: auto;
        padding: 90px 40px;
    }

    .shared-contact-details{
        justify-self: start;
        max-width: 100%;
    }
}


/* MOBILE */

@media (max-width: 600px){
    .shared-contact-section{
        padding: 75px 24px;
    }

    .shared-contact-copy h2{
        font-size: 44px;
    }

    .shared-contact-details h3{
        font-size: 38px;
    }

    .shared-contact-button{
        width: 100%;
    }
}

/* =========================================
   TABLET
========================================= */

@media (max-width: 1000px) {

  .navbar {
    padding-inline: 35px;
  }

  .nav-links {
    gap: 28px;
  }

  .insurance-hero-grid,
  .insurance-introduction-grid,
  .insurance-services-layout,
  .insurance-contact-grid {
    grid-template-columns: 1fr;
    gap: 65px;
  }

  .insurance-hero-image img {
    height: 540px;
  }

  .insurance-services-heading {
    position: static;
  }

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

  .coverage-card {
    min-height: 500px;
  }

  .travelers-heading {
    grid-template-columns: 1fr;
    gap: 20px;
  }

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

  .process-card {
    min-height: auto;

    border-right: 0;
    border-bottom: 1px solid var(--border);
  }

  .process-card:last-child {
    border-bottom: 0;
  }

  .process-card span {
    margin-bottom: 45px;
  }
}


/* =========================================
   MOBILE
========================================= */

@media (max-width: 700px) {

  .insurance-container {
    width: min(100% - 44px, 1220px);
  }

  .navbar {
    min-height: auto;
    padding: 20px 22px;

    flex-direction: column;
    gap: 18px;
  }

  .logo img {
    width: 80px;
    height: 80px;
  }

  .nav-links {
    position: static;

    justify-content: center;
    flex-wrap: wrap;
    gap: 15px 22px;

    transform: none;
  }

  .nav-item,
  .dropbtn {
    font-size: 12px;
    letter-spacing: 1.3px;
  }

  .dropdown-content {
    left: 50%;
    transform: translateX(-50%);
  }

  .insurance-hero,
  .insurance-introduction,
  .insurance-services,
  .insurance-coverage,
  .insurance-travelers,
  .insurance-process,
  .insurance-contact {
    padding-top: 85px;
    padding-bottom: 85px;
  }

  .insurance-hero-copy h1 {
    font-size: clamp(52px, 15vw, 72px);
  }

  .insurance-hero-image::before {
    display: none;
  }

  .insurance-hero-image img {
    height: 430px;
    border-radius: 0 0 60px 0;
  }

  .insurance-introduction-grid {
    gap: 45px;
  }

  .introduction-heading h2,
  .insurance-services-heading h2,
  .coverage-heading h2,
  .travelers-heading h2,
  .process-heading h2 {
    font-size: clamp(42px, 12vw, 58px);
  }

  .insurance-services::before {
    width: 700px;
    height: 700px;
    left: 50%;
  }

  .insurance-service-row {
    grid-template-columns: 45px 1fr;
    gap: 18px;
  }

  .coverage-overlay {
    padding: 28px;
  }

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

  .traveler-card {
    min-height: auto;
  }

  .traveler-card span {
    margin-bottom: 45px;
  }

  .insurance-note-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .insurance-contact-grid {
    gap: 70px;
  }

  .insurance-contact-copy h2 {
    font-size: clamp(46px, 13vw, 64px);
  }

  .footer-content {
    flex-direction: column;
    align-items: flex-start;
  }
}
/* =========================================
   TRAVEL INSURANCE — MOBILE CONTACT + FOOTER
========================================= */

@media screen and (max-width: 768px) {

    /* Contact section */

    .shared-contact-section {
        display: flex !important;
        flex-direction: column !important;
        gap: 45px !important;

        width: 100% !important;
        max-width: 100% !important;
        min-height: auto !important;

        margin: 0 !important;
        padding: 60px 20px !important;

        background: var(--navy);
        box-sizing: border-box !important;
        overflow: hidden !important;
    }

    .shared-contact-copy,
    .shared-contact-details {
        position: static !important;

        width: 100% !important;
        max-width: 100% !important;
        min-width: 0 !important;

        margin: 0 !important;
        padding: 0 !important;

        left: auto !important;
        right: auto !important;
        top: auto !important;

        transform: none !important;
        justify-self: auto !important;

        box-sizing: border-box !important;
    }

    .shared-contact-label {
        margin: 0 0 18px !important;

        color: var(--green);
        font-size: 14px;
        letter-spacing: 4px;
    }

    .shared-contact-copy h2 {
        width: 100% !important;
        max-width: 100% !important;

        margin: 0 !important;

        color: var(--cream);
        font-size: 42px !important;
        line-height: 1.05 !important;

        transform: none !important;
    }

    .shared-contact-details {
        display: flex !important;
        flex-direction: column !important;
        align-items: stretch !important;
        gap: 16px !important;
    }

    .shared-contact-details h3 {
        width: 100% !important;

        margin: 0 0 16px !important;
        padding-top: 28px !important;

        border-top: 1px solid rgba(255, 255, 255, 0.25);

        color: var(--cream);
        font-size: 42px !important;
        line-height: 1 !important;
        text-align: left !important;

        transform: none !important;
    }

    /* Normal contact links and address only */

    .shared-contact-details > a:not(.insurance-contact-button),
    .shared-contact-details > p {
        display: block !important;

        width: 100% !important;
        max-width: 100% !important;

        margin: 0 !important;
        padding: 0 !important;

        color: var(--cream);
        font-size: 15px !important;
        line-height: 1.55 !important;
        text-align: left !important;

        overflow-wrap: anywhere !important;
        transform: none !important;
    }

    /* Green button — white wording centered */

    .shared-contact-details > a.insurance-contact-button {
        display: flex !important;
        align-items: center !important;
        justify-content: center !important;

        width: 100% !important;
        max-width: 100% !important;
        height: 58px !important;

        margin: 12px 0 0 !important;
        padding: 0 !important;

        background: var(--green) !important;
        border: 1px solid var(--green) !important;

        color: #ffffff !important;
        font-size: 14px !important;
        font-weight: 600 !important;
        line-height: 1 !important;
        letter-spacing: 3px !important;
        text-transform: uppercase !important;
        text-decoration: none !important;
        text-align: center !important;
        text-indent: 0 !important;
        white-space: nowrap !important;

        transform: none !important;
        box-sizing: border-box !important;
    }

    .shared-contact-details > a.insurance-contact-button::before,
    .shared-contact-details > a.insurance-contact-button::after {
        content: none !important;
        display: none !important;
    }

    /* Footer */

    .insurance-footer {
        display: block !important;

        width: 100% !important;
        min-height: 70px !important;

        margin: 0 !important;
        padding: 24px 20px !important;

        background: var(--navy) !important;
        color: var(--cream) !important;

        text-align: center !important;
        box-sizing: border-box !important;
        transform: none !important;
    }

    .insurance-footer p {
        width: 100% !important;

        margin: 0 !important;
        padding: 0 !important;

        color: var(--cream) !important;
        font-size: 13px !important;
        line-height: 1.5 !important;
        text-align: center !important;

        transform: none !important;
    }
}