/* =========================================================
   Baker Insurance Services — Brand Stylesheet
   Palette: Navy + Gold | Type: Playfair Display + Inter
   ========================================================= */

:root {
  --navy-900: #0a2647;
  --navy-700: #144272;
  --navy-50:  #eef2f8;
  --gold-500: #c9a14a;
  --gold-600: #b8902f;
  --gold-50:  #f6efdc;
  --cream:    #f7f3eb;
  --off-white:#fafaf7;
  --ink:      #14181f;
  --gray-700: #3f4753;
  --gray-500: #6b7280;
  --gray-300: #d6d8dd;
  --gray-100: #eceef2;
  --white:    #ffffff;
  --shadow-sm: 0 1px 2px rgba(10, 38, 71, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 38, 71, 0.08);
  --shadow-lg: 0 18px 48px rgba(10, 38, 71, 0.14);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --container: 1200px;
  --header-h: 84px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: var(--navy-700);
  text-decoration: none;
  transition: color .2s ease;
}
a:hover { color: var(--gold-600); }

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: -0.01em;
  margin: 0 0 .5em;
  line-height: 1.18;
}
h1 { font-size: clamp(2.2rem, 4.5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.05rem; font-family: 'Inter', sans-serif; font-weight: 600; letter-spacing: 0.02em; }

p { margin: 0 0 1em; color: var(--gray-700); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
.container-narrow {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 24px;
}

/* =========================================================
   Header / Navigation
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--gray-100);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: var(--header-h);
}
.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  color: var(--navy-900);
}
.brand__logo {
  width: 52px;
  height: 56px;
  color: var(--navy-900);
  flex-shrink: 0;
}
.brand__name {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}
.brand__name strong {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--navy-900);
}
.brand__name span {
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-top: 2px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav a {
  color: var(--ink);
  font-weight: 500;
  font-size: 0.96rem;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  position: relative;
}
.nav a:hover { color: var(--navy-900); background: var(--navy-50); }
.nav a.active { color: var(--navy-900); }
.nav a.active::after {
  content: "";
  position: absolute;
  left: 14px; right: 14px; bottom: 4px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--navy-900);
  font-weight: 600;
  font-size: 0.95rem;
}
.header-phone svg { width: 16px; height: 16px; color: var(--gold-600); }

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  width: 44px; height: 44px;
  cursor: pointer;
  padding: 0;
  align-items: center;
  justify-content: center;
}
.menu-toggle svg { width: 22px; height: 22px; color: var(--navy-900); }

/* =========================================================
   Buttons
   ========================================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.98rem;
  letter-spacing: 0.01em;
  padding: 14px 26px;
  border-radius: var(--radius-md);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all .2s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy-900);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--navy-700);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn-gold {
  background: var(--gold-500);
  color: var(--navy-900);
}
.btn-gold:hover {
  background: var(--gold-600);
  color: var(--navy-900);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn-outline {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--navy-900);
}
.btn-outline:hover {
  background: var(--navy-900);
  color: var(--white);
}
.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border-color: var(--white);
}
.btn svg { width: 16px; height: 16px; }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--white);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 85% 20%, rgba(201,161,74,0.18), transparent 45%),
    radial-gradient(circle at 10% 90%, rgba(201,161,74,0.10), transparent 50%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
  padding: 96px 0 110px;
}
.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(201,161,74,0.15);
  color: var(--gold-500);
  border: 1px solid rgba(201,161,74,0.35);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 4rem);
  margin-bottom: 18px;
}
.hero h1 em {
  color: var(--gold-500);
  font-style: normal;
}
.hero__lead {
  color: rgba(255,255,255,0.88);
  font-size: 1.15rem;
  max-width: 540px;
  margin-bottom: 32px;
}
.hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 36px;
}
.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 28px 40px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero__trust-item {
  display: flex;
  flex-direction: column;
}
.hero__trust-item strong {
  font-family: 'Playfair Display', serif;
  font-size: 1.7rem;
  color: var(--gold-500);
  line-height: 1;
}
.hero__trust-item span {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.75);
  margin-top: 6px;
  letter-spacing: 0.04em;
}

.hero__visual {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(160deg, #1d3a63, #0a2647);
}
.hero__visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, transparent 55%, rgba(10,38,71,0.55) 100%),
    url("https://images.unsplash.com/photo-1545153996-eb0e234b59c4?auto=format&fit=crop&w=1200&q=80");
  background-size: cover;
  background-position: center;
}
.hero__badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  z-index: 2;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(6px);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: var(--shadow-md);
}
.hero__badge svg {
  width: 36px; height: 36px; color: var(--gold-600);
  flex-shrink: 0;
}
.hero__badge p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--ink);
}
.hero__badge strong { color: var(--navy-900); display: block; font-size: 1rem; }

/* Inner page hero (smaller) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--white);
  padding: 80px 0 70px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 30%, rgba(201,161,74,0.18), transparent 50%);
}
.page-hero__inner { position: relative; max-width: 760px; }
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.85); font-size: 1.15rem; margin: 0; }
.page-hero__crumbs {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.page-hero__crumbs a { color: var(--gold-500); }

/* =========================================================
   Sections
   ========================================================= */
section { padding: 90px 0; }
section.tight { padding: 64px 0; }
section.cream { background: var(--cream); }
section.navy {
  background: var(--navy-900);
  color: var(--white);
}
section.navy h2, section.navy h3 { color: var(--white); }
section.navy p { color: rgba(255,255,255,0.85); }

.section-head {
  max-width: 720px;
  margin: 0 auto 56px;
  text-align: center;
}
.section-head .eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gold-600);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.section-head p { font-size: 1.1rem; color: var(--gray-700); }

/* =========================================================
   Coverage / Card grids
   ========================================================= */
.grid {
  display: grid;
  gap: 24px;
}
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all .25s ease;
  position: relative;
  overflow: hidden;
}
.card::before {
  content: "";
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 3px;
  background: var(--gold-500);
  transform: scaleY(0);
  transform-origin: top;
  transition: transform .3s ease;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.card:hover::before { transform: scaleY(1); }

.card__icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: var(--gold-50);
  color: var(--navy-900);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.card__icon svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.97rem; margin: 0; }

.card-dark {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  color: var(--white);
}
.card-dark h3 { color: var(--white); }
.card-dark p { color: rgba(255,255,255,0.78); }
.card-dark .card__icon { background: rgba(201,161,74,0.18); color: var(--gold-500); }

/* Industries list */
.industries-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.industry-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--white);
  padding: 22px 24px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-100);
  transition: all .2s ease;
}
.industry-row:hover {
  border-color: var(--gold-500);
  box-shadow: var(--shadow-sm);
}
.industry-row__check {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-500);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.industry-row__check svg { width: 18px; height: 18px; }
.industry-row h4 { margin: 0 0 4px; color: var(--navy-900); font-size: 1.05rem; }
.industry-row p { margin: 0; font-size: 0.94rem; color: var(--gray-500); }

/* Two-column feature */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split__media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 5/4;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-900));
  position: relative;
  box-shadow: var(--shadow-md);
}
.split__media::after {
  content: "";
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
}
.split__media.about::after {
  background-image:
    linear-gradient(180deg, rgba(10,38,71,0.15), rgba(10,38,71,0.55)),
    url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=1200&q=80");
}
.split__media.team::after {
  background-image:
    linear-gradient(180deg, rgba(10,38,71,0.10), rgba(10,38,71,0.45)),
    url("https://images.unsplash.com/photo-1573164713988-8665fc963095?auto=format&fit=crop&w=1200&q=80");
}
.split__media.houston::after {
  background-image:
    linear-gradient(180deg, rgba(10,38,71,0.10), rgba(10,38,71,0.55)),
    url("https://images.unsplash.com/photo-1531218150217-54595bc2b934?auto=format&fit=crop&w=1200&q=80");
}

/* =========================================================
   CTA strip
   ========================================================= */
.cta-strip {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(201,161,74,0.22), transparent 55%);
}
.cta-strip__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.6fr auto;
  align-items: center;
  gap: 32px;
}
.cta-strip h2 {
  color: var(--white);
  margin: 0 0 8px;
  font-size: clamp(1.5rem, 2.6vw, 2rem);
}
.cta-strip p { color: rgba(255,255,255,0.85); margin: 0; }
.cta-strip__buttons { display: flex; gap: 12px; flex-wrap: wrap; }

/* =========================================================
   Testimonial / Quote
   ========================================================= */
.quote {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}
.quote blockquote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.4rem, 2.4vw, 1.9rem);
  line-height: 1.4;
  color: var(--navy-900);
  font-style: italic;
  margin: 0 0 24px;
  position: relative;
}
.quote blockquote::before {
  content: "\201C";
  font-size: 4rem;
  color: var(--gold-500);
  display: block;
  line-height: 0.6;
  margin-bottom: 12px;
}
.quote cite {
  font-style: normal;
  color: var(--gray-700);
  font-size: 0.95rem;
  letter-spacing: 0.04em;
}

/* =========================================================
   Contact / Form
   ========================================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
  align-items: start;
}
.form-card {
  background: var(--white);
  padding: 36px 36px 32px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
}
.form-card h3 { margin-top: 0; }
.form-row { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.field { display: flex; flex-direction: column; margin-bottom: 18px; }
.field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 6px;
  letter-spacing: 0.02em;
}
.field label .req { color: var(--gold-600); }
.field input, .field select, .field textarea {
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
  padding: 12px 14px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--navy-700);
  box-shadow: 0 0 0 4px rgba(20, 66, 114, 0.12);
}
.field textarea { min-height: 120px; resize: vertical; }
.form-card .btn { width: 100%; margin-top: 6px; }

.contact-info {
  background: var(--navy-900);
  color: var(--white);
  padding: 36px;
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
}
.contact-info::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(circle at 100% 0%, rgba(201,161,74,0.18), transparent 60%);
}
.contact-info h3 { color: var(--white); position: relative; }
.contact-info > * { position: relative; }
.contact-info p { color: rgba(255,255,255,0.85); }
.contact-list { list-style: none; padding: 0; margin: 24px 0 0; }
.contact-list li {
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.10);
}
.contact-list li:first-child { border-top: 0; padding-top: 0; }
.contact-list svg { width: 20px; height: 20px; color: var(--gold-500); flex-shrink: 0; margin-top: 2px; }
.contact-list a { color: var(--white); font-weight: 600; }
.contact-list a:hover { color: var(--gold-500); }
.contact-list span { display: block; font-size: 0.83rem; color: rgba(255,255,255,0.65); }

/* =========================================================
   Footer
   ========================================================= */
.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.85);
  padding: 64px 0 28px;
}
.site-footer a { color: rgba(255,255,255,0.85); }
.site-footer a:hover { color: var(--gold-500); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.footer-brand .brand__logo { color: var(--white); width: 48px; height: 52px; }
.footer-brand .brand__name strong { color: var(--white); }
.footer-brand .brand__name span { color: var(--gold-500); }
.footer-grid h4 {
  color: var(--white);
  font-size: 0.85rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 16px;
  font-weight: 600;
}
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { padding: 6px 0; font-size: 0.95rem; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 24px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  flex-wrap: wrap;
  gap: 12px;
}

/* =========================================================
   Mobile
   ========================================================= */
@media (max-width: 980px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; padding: 64px 0 80px; }
  .hero__visual { aspect-ratio: 16/10; max-height: 360px; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .split__media { aspect-ratio: 16/10; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .industries-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }
  .cta-strip__inner { grid-template-columns: 1fr; text-align: center; }
  .cta-strip__buttons { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 720px) {
  section { padding: 64px 0; }
  .nav, .header-phone { display: none; }
  .menu-toggle { display: inline-flex; }
  .header-cta .btn { display: none; }
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero__trust { gap: 18px 28px; }
  .hero__trust-item strong { font-size: 1.4rem; }

  /* Mobile menu drawer */
  .nav.open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    top: var(--header-h);
    left: 0; right: 0;
    background: var(--white);
    border-top: 1px solid var(--gray-100);
    border-bottom: 1px solid var(--gray-100);
    padding: 12px 16px;
    box-shadow: var(--shadow-md);
    gap: 0;
  }
  .nav.open a { padding: 14px 12px; border-radius: 0; border-bottom: 1px solid var(--gray-100); }
  .nav.open a:last-child { border-bottom: 0; }
  .nav.open .header-phone-mobile {
    display: flex; align-items: center; gap: 10px;
    padding: 14px 12px;
    color: var(--navy-900); font-weight: 600;
  }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
}