/* ==========================================================================
   Khalid Chaya Life Insurance — style.css
   Premium static site · v1.0
   ========================================================================== */

:root {
  --ink: #0b1d33;          /* deep navy — primary brand */
  --ink-2: #081526;        /* darker navy — footer / hero */
  --ink-3: #12294a;        /* lifted navy — cards on dark */
  --gold: #c6a15b;         /* champagne gold — accent */
  --gold-2: #b08d45;       /* deeper gold — hover */
  --gold-soft: #f3ead9;    /* pale gold wash */
  --paper: #faf8f4;        /* warm off-white background */
  --white: #ffffff;
  --text: #24303f;         /* body text on light */
  --muted: #5b6773;        /* secondary text */
  --line: #e6e1d8;         /* hairline borders */
  --success: #1f7a5c;

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 10px rgba(11, 29, 51, 0.06);
  --shadow-md: 0 12px 34px rgba(11, 29, 51, 0.10);
  --shadow-lg: 0 24px 60px rgba(11, 29, 51, 0.16);
  --wrap: 1140px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font: inherit; color: inherit; }

.wrap { width: min(var(--wrap), 92%); margin-inline: auto; }

/* ---------- Typography ---------- */
h1, h2, h3, .display {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  color: var(--ink);
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.4rem, 5.4vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); font-weight: 600; }
.lead { font-size: clamp(1.05rem, 1.6vw, 1.25rem); color: var(--muted); max-width: 46rem; }

.kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-2);
  margin-bottom: 1rem;
}
.kicker::before { content: ""; width: 28px; height: 1px; background: var(--gold); }

.section { padding: clamp(4rem, 9vw, 7rem) 0; }
.section-head { max-width: 52rem; margin-bottom: clamp(2.2rem, 5vw, 3.6rem); }
.section-head p { margin-top: 1rem; }
.center { text-align: center; margin-inline: auto; }
.center .kicker { justify-content: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.95rem 1.9rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  letter-spacing: 0.01em;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), background 0.25s, color 0.25s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-gold { background: var(--gold); color: var(--ink-2); box-shadow: 0 8px 24px rgba(198, 161, 91, 0.35); }
.btn-gold:hover { background: var(--gold-2); color: var(--white); box-shadow: 0 12px 30px rgba(176, 141, 69, 0.4); }
.btn-dark { background: var(--ink); color: var(--white); }
.btn-dark:hover { background: var(--ink-3); }
.btn-ghost { border: 1.5px solid rgba(255, 255, 255, 0.35); color: var(--white); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-outline { border: 1.5px solid var(--ink); color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: var(--white); }
.btn-lg { padding: 1.1rem 2.4rem; font-size: 1.05rem; }

.text-link {
  font-weight: 600;
  color: var(--gold-2);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: gap 0.3s var(--ease);
}
.text-link:hover { gap: 0.7rem; }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  transition: background 0.35s, box-shadow 0.35s, padding 0.35s;
  padding: 1.1rem 0;
}
.site-header.scrolled {
  background: rgba(8, 21, 38, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 6px 30px rgba(0, 0, 0, 0.25);
  padding: 0.65rem 0;
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }

.brand { display: flex; align-items: center; gap: 0.7rem; color: var(--white); }
.brand-mark {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--white);
  display: grid; place-items: center;
  overflow: hidden;
  flex: none;
  box-shadow: 0 0 0 1.5px rgba(198, 161, 91, 0.55);
}
.brand-mark img { width: 88%; height: 88%; object-fit: contain; }
.brand-name { font-family: var(--font-display); font-size: 1.12rem; font-weight: 600; line-height: 1.1; color: var(--white); }
.brand-name small { display: block; font-family: var(--font-body); font-size: 0.62rem; font-weight: 500; letter-spacing: 0.28em; text-transform: uppercase; color: var(--gold); margin-top: 0.2rem; }

.nav { display: flex; align-items: center; gap: 1.5rem; }
.nav > * { flex: none; }
.nav a { color: rgba(255, 255, 255, 0.82); font-size: 0.93rem; font-weight: 500; transition: color 0.25s; position: relative; padding: 0.3rem 0; }
.nav a::after { content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 1.5px; background: var(--gold); transition: width 0.3s var(--ease); }
.nav a:hover, .nav a[aria-current="page"] { color: var(--white); }
.nav a:hover::after, .nav a[aria-current="page"]::after { width: 100%; }
.nav .btn { margin-left: 0.5rem; }
.nav a.btn { padding: 0.7rem 1.5rem; }
.nav a.btn-gold { color: var(--ink-2); font-size: 0.9rem; }
.nav a.btn-gold:hover { color: var(--white); }
.nav a.btn::after { display: none; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; z-index: 110; }
.nav-toggle span { width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: transform 0.3s var(--ease), opacity 0.3s; }
.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); }

@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav {
    position: fixed; inset: 0; flex-direction: column; justify-content: center; gap: 1.4rem;
    background: rgba(8, 21, 38, 0.98);
    opacity: 0; pointer-events: none; transition: opacity 0.35s var(--ease);
  }
  .nav.open { opacity: 1; pointer-events: auto; }
  .nav a { font-size: 1.3rem; }
  .nav .btn { margin: 0.6rem 0 0; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 520px at 82% -10%, rgba(198, 161, 91, 0.16), transparent 60%),
    radial-gradient(900px 600px at -10% 110%, rgba(18, 41, 74, 0.9), transparent 65%),
    linear-gradient(160deg, var(--ink-2) 0%, var(--ink) 55%, #0e2440 100%);
  color: var(--white);
  padding: clamp(9rem, 17vw, 13rem) 0 clamp(4.5rem, 9vw, 7.5rem);
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 34px 34px;
  mask-image: linear-gradient(to bottom, transparent, black 30%, transparent 95%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; }
.hero h1 { color: var(--white); max-width: 15ch; }
.hero h1 em { font-style: italic; color: var(--gold); }
.hero .lead { color: rgba(255, 255, 255, 0.78); margin-top: 1.4rem; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.4rem; align-items: center; }
.hero-note { margin-top: 1.6rem; display: flex; flex-wrap: wrap; gap: 1.6rem; font-size: 0.88rem; color: rgba(255, 255, 255, 0.65); }
.hero-note span { display: inline-flex; align-items: center; gap: 0.45rem; }
.hero-note svg { width: 15px; height: 15px; stroke: var(--gold); }

.hero.hero-inner-page { padding: clamp(8rem, 14vw, 10.5rem) 0 clamp(3.5rem, 7vw, 5rem); }

/* ---------- Stats band ---------- */
.stats-band { background: var(--ink-2); color: var(--white); border-top: 1px solid rgba(255,255,255,0.07); }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 1px; background: rgba(255,255,255,0.08); }
.stat { background: var(--ink-2); padding: 2.2rem 1.6rem; text-align: center; }
.stat b { display: block; font-family: var(--font-display); font-size: clamp(1.9rem, 3.4vw, 2.6rem); color: var(--gold); font-weight: 600; }
.stat span { font-size: 0.85rem; color: rgba(255,255,255,0.65); letter-spacing: 0.06em; text-transform: uppercase; }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 1.6rem; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 2.2rem 2rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.3s;
  display: flex; flex-direction: column; gap: 0.9rem;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: #dcd4c4; }
.card h3 { display: flex; align-items: center; gap: 0.7rem; }
.card p { color: var(--muted); font-size: 0.97rem; flex: 1; }
.card .text-link { font-size: 0.92rem; }
.card.card-featured { background: linear-gradient(160deg, var(--ink) 0%, var(--ink-3) 100%); border-color: transparent; }
.card.card-featured h3, .card.card-featured p { color: var(--white); }
.card.card-featured p { color: rgba(255,255,255,0.75); }
.card.card-featured .text-link { color: var(--gold); }
.badge {
  display: inline-block; align-self: flex-start;
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  background: var(--gold); color: var(--ink-2);
  padding: 0.3rem 0.7rem; border-radius: 999px;
}

.icon-chip {
  width: 46px; height: 46px; flex: none;
  border-radius: 13px;
  background: var(--gold-soft);
  display: grid; place-items: center;
}
.icon-chip svg { width: 22px; height: 22px; stroke: var(--gold-2); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.card-featured .icon-chip { background: rgba(198, 161, 91, 0.16); }
.card-featured .icon-chip svg { stroke: var(--gold); }

/* ---------- Split sections ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 6vw, 5rem); align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split .visual {
  border-radius: var(--radius-lg);
  background: linear-gradient(150deg, var(--ink) 0%, var(--ink-3) 70%, #1a3a66 100%);
  min-height: 380px;
  box-shadow: var(--shadow-lg);
  position: relative; overflow: hidden;
  display: grid; place-items: center;
  color: var(--white);
}
.split .visual::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(500px 300px at 80% 15%, rgba(198,161,91,0.25), transparent 60%);
}
.split .visual.visual-light {
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-md);
  padding: 2.5rem;
}
.split .visual.visual-light::before {
  background: radial-gradient(500px 300px at 80% 0%, rgba(198,161,91,0.10), transparent 60%);
}
.split .visual.visual-light > * { position: relative; z-index: 1; }

/* ---------- Checklist ---------- */
.checklist { display: grid; gap: 1.1rem; margin-top: 1.6rem; }
.checklist li { display: flex; gap: 0.9rem; align-items: flex-start; }
.checklist .tick {
  width: 26px; height: 26px; flex: none; margin-top: 2px;
  border-radius: 50%; background: var(--gold-soft);
  display: grid; place-items: center;
}
.checklist .tick svg { width: 13px; height: 13px; stroke: var(--gold-2); stroke-width: 2.6; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.checklist b { color: var(--ink); }
.checklist span { display: block; color: var(--muted); font-size: 0.95rem; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.6rem; }
.step { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2.4rem 1.9rem 2rem; box-shadow: var(--shadow-sm); }
.step::before {
  counter-increment: step; content: "0" counter(step);
  font-family: var(--font-display); font-size: 2.6rem; font-weight: 600;
  color: var(--gold); opacity: 0.85; display: block; margin-bottom: 0.8rem;
}
.step h3 { margin-bottom: 0.5rem; }
.step p { color: var(--muted); font-size: 0.95rem; }

/* ---------- Testimonials ---------- */
.quote-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2.2rem 2rem; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 1.2rem; }
.quote-card .stars { color: var(--gold); letter-spacing: 0.2em; font-size: 0.95rem; }
.quote-card blockquote { font-size: 1.02rem; color: var(--text); font-style: italic; flex: 1; }
.quote-card figcaption { display: flex; align-items: center; gap: 0.9rem; }
.avatar {
  width: 44px; height: 44px; border-radius: 50%; flex: none;
  background: linear-gradient(135deg, var(--ink-3), var(--ink));
  color: var(--gold); font-weight: 700; font-size: 0.95rem;
  display: grid; place-items: center;
}
.quote-card figcaption b { display: block; color: var(--ink); font-size: 0.95rem; }
.quote-card figcaption span { font-size: 0.83rem; color: var(--muted); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 800px; margin-inline: auto; display: grid; gap: 0.9rem; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: box-shadow 0.3s; }
.faq-item[open] { box-shadow: var(--shadow-md); }
.faq-item summary {
  list-style: none; cursor: pointer;
  padding: 1.3rem 1.6rem;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  font-weight: 600; color: var(--ink); font-size: 1.02rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; font-family: var(--font-display); font-size: 1.5rem; color: var(--gold-2);
  transition: transform 0.3s var(--ease); flex: none; line-height: 1;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 1.6rem 1.4rem; color: var(--muted); font-size: 0.97rem; }
.faq-item .faq-body p + p { margin-top: 0.7rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(700px 350px at 85% 0%, rgba(198,161,91,0.2), transparent 60%),
    linear-gradient(150deg, var(--ink-2), var(--ink) 60%, #0e2440);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(3rem, 6vw, 4.5rem);
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(255,255,255,0.75); max-width: 40rem; margin: 1rem auto 0; }
.cta-band .hero-cta { justify-content: center; }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.8rem, 4vw, 2.8rem); box-shadow: var(--shadow-md); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 0.4rem; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.85rem; font-weight: 600; color: var(--ink); letter-spacing: 0.02em; }
.field input, .field select, .field textarea {
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  background: var(--paper);
  transition: border-color 0.25s, box-shadow 0.25s;
  width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(198, 161, 91, 0.18);
  background: var(--white);
}
.field textarea { min-height: 130px; resize: vertical; }
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 1rem; }

/* ---------- Calculator ---------- */
.calc-layout { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 2.5rem; align-items: start; }
@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } }
.calc-result {
  position: sticky; top: 110px;
  background: linear-gradient(160deg, var(--ink-2), var(--ink) 70%, #0e2440);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.4rem 2.2rem;
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.calc-result .label { font-size: 0.8rem; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.6); }
.calc-result .amount { font-family: var(--font-display); font-size: clamp(2.6rem, 5vw, 3.4rem); color: var(--gold); font-weight: 600; margin: 0.7rem 0 0.3rem; }
.calc-result .sub { font-size: 0.9rem; color: rgba(255,255,255,0.7); }
.calc-result hr { border: none; border-top: 1px solid rgba(255,255,255,0.12); margin: 1.6rem 0; }
.calc-breakdown { text-align: left; display: grid; gap: 0.55rem; font-size: 0.9rem; }
.calc-breakdown div { display: flex; justify-content: space-between; gap: 1rem; color: rgba(255,255,255,0.8); }
.calc-breakdown div b { color: var(--white); font-variant-numeric: tabular-nums; }
.calc-result .btn { margin-top: 1.8rem; width: 100%; }
.range-value { font-weight: 700; color: var(--gold-2); font-variant-numeric: tabular-nums; }

/* ---------- Location chips ---------- */
.chip-cloud { display: flex; flex-wrap: wrap; gap: 0.7rem; }
.chip { background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 0.55rem 1.2rem; font-size: 0.92rem; font-weight: 500; color: var(--ink); box-shadow: var(--shadow-sm); }

/* ---------- Article / prose ---------- */
.prose { max-width: 760px; }
.prose h2 { margin: 2.6rem 0 1rem; }
.prose h3 { margin: 2rem 0 0.7rem; }
.prose p { margin-bottom: 1.1rem; }
.prose ul { list-style: disc; padding-left: 1.4rem; margin-bottom: 1.1rem; }
.prose ul li { margin-bottom: 0.45rem; color: var(--text); }
.prose strong { color: var(--ink); }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink-2); color: rgba(255,255,255,0.72); padding: 4.5rem 0 2.5rem; margin-top: clamp(4rem, 8vw, 6rem); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: var(--white); font-size: 0.85rem; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 1.1rem; }
.site-footer li { margin-bottom: 0.6rem; }
.site-footer a { font-size: 0.93rem; transition: color 0.25s; }
.site-footer a:hover { color: var(--gold); }
.footer-about p { font-size: 0.93rem; margin-top: 1rem; max-width: 30rem; }
.footer-legal { padding-top: 2rem; font-size: 0.8rem; color: rgba(255,255,255,0.45); display: grid; gap: 0.8rem; }
.footer-legal .license { color: var(--gold); font-weight: 600; letter-spacing: 0.04em; }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .card { transition: none; }
}

/* ---------- Utility ---------- */
.mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.notice {
  background: var(--gold-soft); border: 1px solid #e8d9b8; border-radius: var(--radius);
  padding: 1.1rem 1.4rem; font-size: 0.92rem; color: #6b5836;
}
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--gold); color: var(--ink-2); padding: 0.7rem 1.2rem; border-radius: 0 0 10px 0; font-weight: 600;
}
.skip-link:focus { left: 0; }