/* ===============================
   ROOT VARIABLES
================================ */
:root {
    --primary: #00209F;
    --primary-dark: #001A7A;
    --dark: #0B132B;
    --text: #374151;
    --muted: #6B7280;
    --light: #F8FAFF;
    --border: #E5E7EB;
  }
  
  /* ===============================
     BASE LAYOUT
  ================================ */
  html, body {
    height: 100%;
  }
  
  body {
    margin: 0;
    font-family: 'Inter', system-ui, sans-serif;
    color: var(--text);
    background: #ffffff;
    line-height: 1.6;
  
    /* Sticky footer */
    display: flex;
    flex-direction: column;
    min-height: 100vh;
  }
  
  main {
    flex: 1;
  }
  
  /* ===============================
     TYPOGRAPHY
  ================================ */
  h1, h2, h3 {
    font-family: 'Montserrat', sans-serif;
    color: var(--dark);
  }
  
  p {
    margin-bottom: 1rem;
  }
  
  a {
    color: var(--primary);
    text-decoration: none;
  }
  
  a:hover {
    text-decoration: underline;
  }
  
  /* ===============================
     NAVBAR (BOOTSTRAP OVERRIDES)
  ================================ */
  .navbar-brand {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    color: var(--primary);
  }
  
  .nav-link {
    font-weight: 500;
    color: var(--text);
  }
  
  .nav-link:hover,
  .nav-link.active {
    color: var(--primary);
  }
  
  /* Remove border from mobile menu (burger icon) */
  .navbar-toggler {
    border: none;
    padding: 0.25rem 0.5rem;
  }
  
  .navbar-toggler:focus,
  .navbar-toggler:active {
    box-shadow: none;
    outline: none;
  }
  
  /* ===============================
     HERO
  ================================ */
  /* ===============================
   HERO (IMAGE + OVERLAY)
================================ */
.hero {
    position: relative;
    background:
      linear-gradient(
        rgba(0, 32, 159, 0.75),
        rgba(0, 32, 159, 0.75)
      ),
      url("../images/hero.jpg") center / cover no-repeat;
  
    color: #ffffff;
    padding: 6rem 1.5rem;
    text-align: center;
  }
  
  .hero h1 {
    color: #ffffff;
    font-size: 2.5rem;
  }
  
  .hero p {
    max-width: 640px;
    margin: 1rem auto;
    font-size: 1.1rem;
    opacity: 0.95;
  }
  
  @media (max-width: 768px) {
    .hero {
      padding: 4rem 1.25rem;
    }
  
    .hero h1 {
      font-size: 2rem;
    }
  }
  
  
  /* ===============================
     BUTTONS
  ================================ */
  .btn-primary-custom {
    background: #ffffff;
    color: var(--primary);
    font-weight: 600;
    padding: 0.75rem 1.75rem;
    border-radius: 6px;
    display: inline-block;
    transition: background 0.2s ease, color 0.2s ease;
  }
  
  .btn-primary-custom:hover {
    background: #F0F4FF;
    text-decoration: none;
  }
  
  /* ===============================
     SERVICE CARDS
  ================================ */
  .service-card {
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 1.75rem;
    background: #ffffff;
    height: 100%;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
  }
  
  .service-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.06);
  }
  
  .service-card h3 {
    color: var(--primary);
  }
  
  /* ===============================
     LEGAL PAGES
  ================================ */
  .legal {
    max-width: 800px;
    margin: auto;
  }
  
  .sms-disclosure {
    background: #F0F4FF;
    border-left: 4px solid var(--primary);
    padding: 1rem 1.25rem;
    margin: 2rem 0;
    font-size: 0.95rem;
  }
  
  /* ===============================
     EMBEDS / IFRAMES
  ================================ */
  iframe {
    border: 1px solid var(--border);
    border-radius: 8px;
  }
  
  /* ===============================
     FOOTER
  ================================ */
  footer {
    background: var(--dark);
    color: #E5E7EB;
    padding: 3rem 1.5rem;
    text-align: center;
  }
  
  footer a {
    color: #9BB3FF;
  }
  
  footer a:hover {
    color: #ffffff;
    text-decoration: none;
  }
  
  .footer-social a {
    font-size: 1.4rem;
    margin: 0 0.5rem;
    color: #9BB3FF;
    transition: color 0.2s ease;
  }
  
  .footer-social a:hover {
    color: #ffffff;
  }
  
  /* ===============================
     RESPONSIVE TWEAKS
  ================================ */
  @media (max-width: 768px) {
    .hero h1 {
      font-size: 2rem;
    }
  }