/* RESET & GENERAL SYSTEM LAYER COHESION STYLES */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Inter', sans-serif;
    background-color: #fcf9f4; /* Warm crisp asset canvas tint */
    color: #222222;
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.3s ease;
}

/* TOP MINI HEADER BAR CONFIG */
.top-bar {
    background-color: #051021;
    color: #ffffff;
    font-size: 12px;
    display: flex;
    justify-content: space-between;
    padding: 10px 8%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    letter-spacing: 0.5px;
}

/* NAVIGATION HEADER LAYOUT TERMINALS */
.main-header {
    background-color: #ffffff;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 8%;
    box-shadow: 0 2px 10px rgba(0,0,0,0.03);
    position: sticky;
    top: 0;
    z-index: 1000;
    height: 6rem;
}

.logo-area {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo-icon {
    font-size: 28px;
    color: #0a2540;
}

.logo-title {
    font-family: 'Cinzel', serif;
    font-size: 22px;
    font-weight: 600;
    color: #0a2540;
    letter-spacing: 1px;
}

.logo-subtitle {
    font-size: 10px;
    letter-spacing: 2px;
    color: #666;
    margin-top: -2px;
}

.nav-links {
    display: flex;
    gap: 30px;
    font-size: 14px;
    font-weight: 500;
    color: #444444;
}

.nav-links a:hover, .nav-links a.active {
    color: #0a2540;
    font-weight: 600;
}

.btn-assessment {
    background-color: #0f233c;
    color: white;
    padding: 12px 24px;
    border-radius: 25px;
    border: none;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: background 0.3s;
}

.btn-assessment:hover {
    background-color: #1a365d;
}

/* INSURANCE HERO DEPLOYMENT OVERLAY SCHEMA */
.hero-section {
    position: relative;
    height: 600px;
    background: url('VALOR\ insaurance\ hero.jpeg') center/cover no-repeat;
    display: flex;
    align-items: center;
    padding: 0 8%;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(to right, rgba(10, 30, 55, 0.94), rgba(10, 30, 55, 0.55));
}

.hero-content {
    position: relative;
    z-index: 2;
    color: white;
    max-width: 760px;
}

.hero-tag {
    font-size: 12px;
    letter-spacing: 3px;
    color: #d1b894;
    font-weight: 600;
    display: block;
    margin-bottom: 15px;
}

.hero-content h1 {
    font-family: 'Cinzel', serif;
    font-size: 44px;
    font-weight: 500;
    margin-bottom: 20px;
    line-height: 1.25;
}

.hero-content p {
    font-size: 16px;
    line-height: 1.6;
    color: #e2e8f0;
    margin-bottom: 30px;
}

.hero-buttons-container {
    display: flex;
    align-items: center;
    gap: 20px;
}

.hero-phone-cta-btn {
    background-color: #fde047;
    color: #051021;
    padding: 15px 30px;
    border-radius: 30px;
    font-weight: 600;
    font-size: 15px;
}

.hero-transparent-btn {
    color: #ffffff;
    font-size: 15px;
    font-weight: 500;
    border: 1px solid rgba(255,255,255,0.4);
    border-radius: 32px;
    padding: 15px 32px;
}

/* INSURANCE HEADLINE SUMMARIZATION MATRIX */
.stats-section {
    max-width: 1100px;
    margin: 80px auto 40px auto;
    padding: 0 20px;
    text-align: center;
}

.stats-main-heading {
    font-family: 'Cinzel', serif;
    font-size: 24px;
    line-height: 1.5;
    color: #0f233c;
    font-weight: 400;
    margin-bottom: 50px;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.stat-card {
    background-color: #ffffff;
    border: 1px solid #e2dcd0;
    border-radius: 8px;
    padding: 35px 25px;
    text-align: left;
}

.stat-number {
    font-family: 'Cinzel', serif;
    font-size: 40px;
    color: #0f233c;
    margin-bottom: 10px;
    font-weight: 500;
}

.stat-text {
    font-size: 12.5px;
    color: #64748b;
    line-height: 1.4;
}

/* STREAMS CONTENT SPLIT CONSTRUCTIONS */
.main-container {
    max-width: 1140px;
    margin: 40px auto 90px auto;
    padding: 0 20px;
}

.alternate-block-row {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 65px;
    align-items: center;
    margin-bottom: 100px;
}

.reverse-row {
    grid-template-columns: 1.1fr 1fr;
}

.block-image-container {
    position: relative;
    width: 100%;
}

.block-image-container img {
    width: 100%;
    height: 360px;
    object-fit: cover;
    border-radius: 14px;
    display: block;
    position: relative;
    z-index: 2;
}

/* LUXURY MATTE FRAME PATTERNS OVERLAY MAP */
.image-accent-patch {
    position: absolute;
    bottom: -12px;
    right: -12px;
    width: 55px;
    height: 55px;
    background-color: #d1b894;
    border-radius: 8px;
    z-index: 1;
    opacity: 0.75;
}

.reverse-row .image-accent-patch {
    right: auto;
    left: -12px;
}

.block-text-content h2 {
    font-family: 'Cinzel', serif;
    font-size: 32px;
    color: #0f233c;
    margin-top: 5px;
    margin-bottom: 16px;
    font-weight: 500;
}

.block-mini-tag {
    font-size: 11px;
    letter-spacing: 2px;
    color: #8c8273;
    font-weight: 600;
}

.block-text-content p {
    font-size: 14.5px;
    line-height: 1.6;
    color: #4a5568;
    margin-bottom: 22px;
}

.block-checklist {
    list-style: none;
}

.block-checklist li {
    font-size: 13.5px;
    color: #334155;
    margin-bottom: 12px;
    position: relative;
    padding-left: 22px;
}

.block-checklist li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #c09e6d;
    font-weight: bold;
}

/* CONVERSION ANCHOR STRIP SYSTEM */
.take-step-card {
    background-color: #f4eae1;
    border: 1px solid #e2dcd0;
    border-radius: 12px;
    padding: 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 60px;
}

.take-step-left h3 {
    font-family: 'Cinzel', serif;
    font-size: 24px;
    color: #0f233c;
    margin-top: 5px;
    margin-bottom: 5px;
}

.take-step-left p {
    font-size: 14px;
    color: #555555;
}

.take-step-right {
    display: flex;
    gap: 15px;
}

.btn-toolkit-secondary {
    border: 1px solid #0f233c;
    color: #0f233c;
    padding: 12px 28px;
    border-radius: 25px;
    font-weight: 500;
    font-size: 14px;
}

.btn-assessment-primary {
    background-color: #0f233c;
    color: #ffffff;
    padding: 12px 28px;
    border-radius: 25px;
    font-weight: 500;
    font-size: 14px;
}

/* RED CRISIS ALERT DEPLOYMENTS */
.crisis-banner {
    background-color: #b92c2c;
    color: white;
    text-align: center;
    padding: 15px;
    font-size: 14px;
    letter-spacing: 0.5px;
}

/* MEGA FOOTER BLOCKS INTERFACES */
.main-footer {
    background-color: #040d1a;
    color: #94a3b8;
    padding: 70px 8% 30px 8%;
    font-size: 14px;
}

.footer-top {
    display: grid;
    grid-template-columns: 1fr 2.5fr;
    gap: 60px;
    margin-bottom: 40px;
}

.logo-area.light .logo-title { color: #ffffff; }
.logo-area.light .logo-subtitle { color: #94a3b8; }

.brand-desc {
    margin-top: 20px;
    line-height: 1.6;
    font-size: 13.5px;
    color: #cbd5e1;
}

.footer-contact-info { margin-top: 25px; }
.footer-contact-info p { margin-bottom: 10px; font-size: 14px; color: #ffffff; }

.footer-links-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
}

.footer-links-grid h4 {
    color: #ffffff;
    font-size: 11px;
    letter-spacing: 1.5px;
    margin-bottom: 20px;
    font-weight: 600;
}

.footer-links-grid ul { list-style: none; }
.footer-links-grid ul li { margin-bottom: 12px; }
.footer-links-grid ul li a { color: #94a3b8; font-size: 13px; }
.footer-links-grid ul li a:hover { color: #ffffff; }

.footer-divider {
    border: none;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    margin: 40px 0;
}

/* RECOVERY TOOLS PANELS INSIDE FOOTER */
.tools-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 30px;
}

.tools-tag {
    font-size: 11px;
    letter-spacing: 1.5px;
    color: #d1b894;
    font-weight: 600;
    display: block;
    margin-bottom: 8px;
}

.tools-header h3 {
    color: #ffffff;
    font-family: 'Cinzel', serif;
    font-size: 24px;
    font-weight: 400;
    margin-bottom: 8px;
}

.btn-toolkit {
    color: #ffffff;
    border-bottom: 1px solid #ffffff;
    padding-bottom: 4px;
    font-weight: 500;
    font-size: 14px;
}

.tools-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.tools-grid ul { list-style: none; }
.tools-grid ul li { margin-bottom: 12px; }
.tools-grid ul li a { color: #94a3b8; font-size: 13px; }
.tools-grid ul li a:hover { color: #ffffff; }

.footer-bottom {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: #64748b;
    margin-top: 20px;
}

.legal-links a { margin-left: 20px; color: #64748b; }
.legal-links a:hover { color: #ffffff; }

/* STICKY ACCENT WIDGET CHANNELS */
.chat-widget {
    position: fixed;
    bottom: 25px;
    z-index: 999;
    cursor: pointer;
    border-radius: 50px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.15);
    display: flex;
    align-items: center;
    justify-content: center;
}

.left-widget {
    left: 25px;
    background-color: #22c55e;
    width: 45px;
    height: 45px;
    font-size: 20px;
}

.right-widget {
    right: 25px;
    background-color: #0f233c;
    color: white;
    padding: 12px 22px;
    font-size: 14px;
    font-weight: 500;
    border: 1px solid rgba(255,255,255,0.1);
}

/* LAYOUT RESPONSIVENESS MATRIX ADJUSTMENTS */
@media (max-width: 1024px) {
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 15px; }
    .alternate-block-row { grid-template-columns: 1fr; gap: 35px; }
    .reverse-row { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; gap: 40px; }
    .footer-links-grid { grid-template-columns: repeat(3, 1fr); gap: 30px; }
    .tools-grid { grid-template-columns: repeat(2, 1fr); }
    .take-step-card { flex-direction: column; text-align: center; gap: 20px; }
}

@media (max-width: 600px) {
    .stats-grid { grid-template-columns: 1fr; }
    .footer-links-grid { grid-template-columns: repeat(2, 1fr); }
    .tools-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; gap: 15px; }
    .legal-links a { margin-left: 0; margin-right: 15px; }
    .nav-links { display: none; }
    .hero-buttons-container { flex-direction: column; align-items: flex-start; }
}








/* --- NAV DROPDOWN STYLING --- */
.dropdown {
    position: relative;
    display: inline-block;
}

/* Dropdown ke andar ke links ka box */
.dropdown-content {
    display: none; /* Pehle se chhupa rahega */
    position: absolute;
    background-color: #ffffff; /* Pure white background */
    min-width: 220px; /* Box ki width */
    box-shadow: 0px 8px 24px rgba(0, 0, 0, 0.15); /* Premium shadow effect */
    border-radius: 8px; /* Smooth corners */
    padding: 10px 0;
    top: 100%; /* Navbar ke thik niche khulega */
    left: 0;
    z-index: 1000;
}

/* Dropdown ke andar ke individual links */
.dropdown-content a {
    color: #444444 !important;
    padding: 12px 20px;
    text-decoration: none;
    display: block;
    font-size: 14px;
    font-weight: 500;
    transition: background 0.2s ease, color 0.2s ease;
}

/* Jab dropdown ke links par mouse jaye */
.dropdown-content a:hover {
    background-color: #faf8f5; /* Aapka cream header tone */
    color: #0a2540 !important; /* Premium dark blue tone */
}

/* JAISE HI PROGRAMS PAR MOUSE JAYEGA -> DROPDOWN DIKHEGA */
.dropdown:hover .dropdown-content {
    display: block;
}