/* ===== Reset & Base ===== */
* { margin: 0; padding: 0; box-sizing: border-box; }
body {
  font-family: 'Segoe UI', -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
  color: #333;
  background: #e8e8e8;
  line-height: 1.6;
  font-size: 15px;
}
a { color: #4a6fa5; text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* ===== Top Contact Bar ===== */
.top-bar {
  background: #fff;
  border-bottom: 1px solid #ddd;
  padding: 8px 0;
}
.top-bar-inner {
  display: flex;
  justify-content: flex-end;
}
.phone-box {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  background: #f8f8f8;
  border: 1px solid #ddd;
  border-radius: 4px;
  padding: 10px 16px;
  font-size: 13px;
  line-height: 1.5;
  text-align: center;
}
.phone-icon { font-size: 18px; margin-top: 2px; }

/* ===== Header ===== */
.header {
  background: #fff;
  padding: 20px 0 0;
  text-align: center;
}
.site-title {
  font-size: 1.7rem;
  font-weight: 400;
  color: #333;
  letter-spacing: 0.5px;
  margin-bottom: 16px;
}
.nav {
  display: flex;
  justify-content: center;
  gap: 0;
  border-top: 1px solid #eee;
  padding-top: 12px;
  padding-bottom: 12px;
}
.nav-link {
  color: #555;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 20px;
  text-decoration: none;
  transition: color 0.2s;
}
.nav-link:hover { color: #1a2744; text-decoration: none; }
.nav-link.active { color: #4a6fa5; }

/* ===== Hero (Home page) ===== */
.hero {
  display: flex;
  gap: 0;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 20px;
}
.hero-image {
  flex: 1;
  min-height: 280px;
  background: url('/images/hero.jpg') center/cover no-repeat;
  position: relative;
  display: flex;
  align-items: flex-end;
}
.hero-overlay {
  background: rgba(26, 39, 68, 0.85);
  color: #fff;
  padding: 14px 20px;
  font-size: 14px;
  line-height: 1.5;
  width: 100%;
}
.hero-contact {
  background: #1a2744;
  color: #fff;
  padding: 24px 28px;
  min-width: 240px;
  font-size: 14px;
  line-height: 1.7;
}
.hero-contact strong { font-size: 15px; }

/* ===== Page Banner ===== */
.page-banner {
  background: #1a2744;
  color: #fff;
  padding: 20px 0;
}
.page-banner h2 {
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 1px;
}
.banner-sub {
  font-size: 14px;
  color: #ccc;
  margin-top: 4px;
}

/* ===== Sections ===== */
.section {
  background: #fff;
  padding: 35px 0;
  max-width: 1080px;
  margin: 0 auto;
}
.section-gray { background: #f4f4f4; }
.section p { margin-bottom: 12px; }

/* ===== Services Grid (Home) ===== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.service-card { text-align: left; }
.service-card h3 {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  color: #1a2744;
  margin-bottom: 8px;
  line-height: 1.4;
}
.service-card p {
  font-size: 13px;
  color: #555;
  line-height: 1.5;
}
.service-img {
  width: 100%;
  height: 100px;
  background: #c0c8d4;
  margin-bottom: 10px;
  border-radius: 2px;
}
.service-img-business { background: url('/images/business.jpg') center/cover no-repeat; }
.service-img-auto { background: url('/images/auto.jpg') center/cover no-repeat; }
.service-img-home { background: url('/images/home.jpg') center/cover no-repeat; }
.service-img-life { background: url('/images/life.jpg') center/cover no-repeat; }
.service-img-group { background: url('/images/group.jpg') center/cover no-repeat; }
.read-more {
  display: inline-block;
  background: #1a2744;
  color: #fff;
  font-size: 12px;
  padding: 5px 14px;
  margin-top: 8px;
  text-decoration: none;
  border-radius: 2px;
  font-weight: 600;
}
.read-more:hover { background: #2a3a5b; text-decoration: none; }

/* ===== Product Pages ===== */
.product-section { border-bottom: 1px solid #e0e0e0; }
.product-section:last-of-type { border-bottom: none; }
.product-row {
  display: flex;
  gap: 30px;
  align-items: flex-start;
}
.product-img {
  width: 140px;
  min-width: 140px;
  height: 110px;
  border-radius: 4px;
  flex-shrink: 0;
}
.product-img-business { background: url('/images/business.jpg') center/cover no-repeat; }
.product-img-auto { background: url('/images/auto.jpg') center/cover no-repeat; }
.product-img-home { background: url('/images/home.jpg') center/cover no-repeat; }
.product-img-life { background: url('/images/life.jpg') center/cover no-repeat; }
.product-img-group { background: url('/images/group.jpg') center/cover no-repeat; }
.product-content { flex: 1; }
.product-content h3 {
  font-size: 1.1rem;
  color: #1a2744;
  margin-bottom: 8px;
  font-weight: 700;
}
.product-content .subtitle { font-weight: 700; }
.product-content h4 {
  font-size: 0.95rem;
  color: #1a2744;
  margin: 16px 0 8px;
  font-weight: 700;
}
.product-content ul {
  margin: 8px 0 8px 20px;
  font-size: 14px;
}
.product-content li { margin-bottom: 3px; }
.product-columns {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
}
.product-columns ul { flex: 1; min-width: 200px; }

/* ===== Team Grid ===== */
.team-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px 60px;
}
.team-card {
  padding-bottom: 30px;
  border-bottom: 2px solid #4a6fa5;
}
.team-card:last-child { border-bottom: none; }
.team-card h3 {
  font-size: 1.15rem;
  color: #1a2744;
  margin-bottom: 4px;
}
.team-title {
  font-size: 14px;
  color: #555;
  font-weight: 600;
  margin-bottom: 10px !important;
  line-height: 1.5;
}
.team-contact {
  font-size: 14px;
  margin-bottom: 12px !important;
}
.team-contact a { color: #4a6fa5; }
.team-bio {
  font-size: 14px;
  color: #444;
  font-style: italic;
}

/* ===== Links Page ===== */
.links-layout {
  display: flex;
  gap: 40px;
  align-items: flex-start;
}
.links-content { flex: 1; }
.links-image {
  width: 240px;
  min-width: 240px;
  height: 200px;
  background: url('/images/office.jpg') center/cover no-repeat;
  border-radius: 4px;
  flex-shrink: 0;
}
.links-list {
  margin: 0 0 24px 20px;
  font-size: 15px;
}
.links-list li { margin-bottom: 6px; }
.links-carriers { margin-top: 20px; }
.carrier {
  padding: 10px 0;
  border-bottom: 1px solid #eee;
}
.carrier a {
  font-weight: 600;
  font-size: 15px;
}
.carrier-detail {
  display: block;
  font-size: 13px;
  color: #777;
  margin-top: 2px;
  padding-left: 16px;
}

/* ===== Footer ===== */
.footer {
  background: #e0e0e0;
  padding: 24px 0;
  text-align: center;
  margin-top: 0;
}
.footer-nav {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-bottom: 12px;
}
.footer-nav a {
  color: #555;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  text-decoration: none;
}
.footer-nav a:hover { color: #1a2744; }
.footer-copy {
  font-size: 12px;
  color: #888;
  margin-bottom: 4px;
}
.footer-credit {
  font-size: 11px;
  color: #aaa;
}
.footer-credit a { color: #999; }
.footer-credit a:hover { color: #4a6fa5; }

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .hero { flex-direction: column; }
  .hero-contact { min-width: auto; }
  .team-grid { grid-template-columns: 1fr; }
  .links-layout { flex-direction: column; }
  .links-image { width: 100%; min-width: auto; height: 160px; }
}
@media (max-width: 600px) {
  .services-grid { grid-template-columns: 1fr; }
  .product-row { flex-direction: column; }
  .product-img { width: 100%; height: 140px; }
  .product-columns { flex-direction: column; gap: 0; }
  .phone-box { font-size: 12px; }
  .site-title { font-size: 1.3rem; }
  .nav { flex-wrap: wrap; gap: 4px; }
  .nav-link { padding: 4px 12px; font-size: 12px; }
}