/* ============================================
   Premier Event Insurance — Style System
   Colors: Deep Purple #4a148c, Gold #ffd700
   Fonts: Playfair Display (headings), Source Sans 3 (body)
   Style: Elegant, event-focused
   ============================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Source Sans 3', sans-serif;
  color: #444;
  line-height: 1.75;
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #6a1b9a; text-decoration: none; transition: color .2s; }
a:hover { color: #4a148c; }

h1, h2, h3, h4 { font-family: 'Playfair Display', serif; color: #2d1045; line-height: 1.3; font-weight: 700; }
h1 { font-size: 2.8rem; margin-bottom: 1rem; }
h2 { font-size: 2rem; margin-bottom: .75rem; }
h3 { font-size: 1.35rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* --- Header --- */
.site-header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 10px rgba(0,0,0,.06);
  border-bottom: 2px solid #e1bee7;
}
.site-header .container { display: flex; justify-content: space-between; align-items: center; padding-top: 14px; padding-bottom: 14px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { width: 42px; height: 42px; background: linear-gradient(135deg, #6a1b9a, #4a148c); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #ffd700; font-size: 1.1rem; }
.logo-text { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: #2d1045; }
.logo-text span { color: #6a1b9a; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: #2d1045; margin: 5px 0; border-radius: 2px; transition: .3s; }

.main-nav ul { list-style: none; display: flex; gap: 26px; align-items: center; }
.main-nav a { color: #555; font-weight: 600; font-size: .9rem; padding: 6px 0; transition: color .2s; }
.main-nav a:hover, .main-nav a.active { color: #6a1b9a; }
.nav-cta { background: #6a1b9a !important; color: #fff !important; padding: 10px 22px !important; border-radius: 6px; font-weight: 700 !important; }
.nav-cta:hover { background: #4a148c !important; }

.header-phone { display: flex; align-items: center; gap: 6px; color: #6a1b9a; font-weight: 700; font-size: .9rem; white-space: nowrap; }
.header-phone i { font-size: .85rem; }

/* --- Hero --- */
.hero {
  background: linear-gradient(160deg, rgba(74,20,140,.88) 0%, rgba(45,16,69,.82) 100%),
              url('https://images.unsplash.com/photo-1540575467063-178a50c2df87?w=1400&q=80') center/cover no-repeat;
  color: #fff;
  padding: 100px 0 110px;
}
.hero h1 { color: #fff; }
.hero h1 span { color: #ffd700; }
.hero p { font-size: 1.2rem; max-width: 560px; margin-bottom: 2rem; opacity: .92; }
.hero-actions { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.hero-phone { color: rgba(255,255,255,.9); font-size: 1.05rem; }
.hero-phone a { color: #ffd700; font-weight: 700; }
.hero-phone a:hover { color: #fff; }

.trust-badges { display: flex; gap: 28px; margin-top: 28px; flex-wrap: wrap; }
.trust-badges .badge { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,.85); font-size: .88rem; font-weight: 500; }
.trust-badges .badge i { color: #ffd700; }

/* --- Buttons --- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 30px; border-radius: 6px; font-weight: 700; font-size: 1rem; cursor: pointer; border: none; transition: all .2s; text-decoration: none; font-family: 'Source Sans 3', sans-serif; }
.btn-primary { background: #ffd700; color: #2d1045; }
.btn-primary:hover { background: #ffca28; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(255,215,0,.3); }
.btn-outline { border: 2px solid #6a1b9a; color: #6a1b9a; background: transparent; }
.btn-outline:hover { background: #6a1b9a; color: #fff; }
.btn-white { background: #fff; color: #6a1b9a; }
.btn-white:hover { background: #f3e5f5; }
.btn-gold { background: #ffd700; color: #2d1045; }
.btn-gold:hover { background: #ffca28; }

/* --- Stats Bar --- */
.stats-bar { background: #2d1045; padding: 36px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item { color: #fff; }
.stat-number { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 800; color: #ffd700; line-height: 1.2; }
.stat-label { font-size: .88rem; color: rgba(255,255,255,.7); margin-top: 4px; }

/* --- Sections --- */
.section { padding: 80px 0; }
.section-alt { background: #faf5ff; }
.section-purple { background: linear-gradient(135deg, #6a1b9a, #4a148c); color: #fff; }
.section-purple h2 { color: #ffd700; }
.section-purple p { color: rgba(255,255,255,.88); }
.section-header { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-header p { color: #888; font-size: 1.05rem; }

/* --- Event Type Cards --- */
.event-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.event-card {
  background: #fff;
  border-radius: 12px;
  padding: 36px 28px;
  text-align: center;
  border: 1px solid #e8e0f0;
  transition: box-shadow .3s, transform .2s;
}
.event-card:hover { box-shadow: 0 8px 30px rgba(106,27,154,.08); transform: translateY(-3px); }
.event-card .icon-wrap { width: 60px; height: 60px; background: #f3e5f5; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.event-card i { font-size: 1.5rem; color: #6a1b9a; }
.event-card p { color: #777; font-size: .9rem; margin: 0; }

/* --- How It Works Steps --- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }
.steps-grid::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(16.67% + 25px);
  right: calc(16.67% + 25px);
  height: 3px;
  background: linear-gradient(90deg, #e1bee7, #6a1b9a, #e1bee7);
  z-index: 0;
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-number {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, #6a1b9a, #4a148c);
  color: #ffd700;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 700;
  margin: 0 auto 16px;
  font-family: 'Playfair Display', serif;
  border: 4px solid #fff;
  box-shadow: 0 4px 12px rgba(106,27,154,.2);
}
.step-item h3 { font-size: 1.2rem; margin-bottom: 8px; }
.step-item p { color: #777; font-size: .92rem; margin: 0; }

/* --- Content Split --- */
.content-split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.content-split.reverse { direction: rtl; }
.content-split.reverse > * { direction: ltr; }

/* --- Checklist --- */
.checklist { margin: 16px 0; list-style: none; }
.checklist li { padding: 10px 0; display: flex; align-items: flex-start; gap: 12px; color: #555; }
.checklist li i { color: #6a1b9a; margin-top: 4px; flex-shrink: 0; }

/* --- Coverage Detail Cards --- */
.coverage-detail { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; margin-bottom: 60px; padding-bottom: 60px; border-bottom: 1px solid #e8e0f0; }
.coverage-detail:last-of-type { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.coverage-detail:nth-child(even) { direction: rtl; }
.coverage-detail:nth-child(even) > * { direction: ltr; }
.coverage-detail .icon-wrap { width: 70px; height: 70px; background: #f3e5f5; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.coverage-detail .icon-wrap i { font-size: 1.8rem; color: #6a1b9a; }
.coverage-detail h3 { font-size: 1.5rem; margin-bottom: 12px; }
.coverage-detail p { color: #555; }
.coverage-detail ul { list-style: none; margin: 12px 0; }
.coverage-detail ul li { padding: 6px 0; color: #555; display: flex; align-items: flex-start; gap: 10px; }
.coverage-detail ul li i { color: #6a1b9a; margin-top: 4px; }

/* --- Coverage Recommendation Table --- */
.coverage-table { width: 100%; border-collapse: collapse; margin: 24px 0; }
.coverage-table th { background: #6a1b9a; color: #fff; padding: 14px 18px; text-align: left; font-family: 'Source Sans 3', sans-serif; font-weight: 700; font-size: .95rem; }
.coverage-table td { padding: 14px 18px; border-bottom: 1px solid #e8e0f0; font-size: .92rem; color: #555; }
.coverage-table tr:hover { background: #faf5ff; }
.coverage-table td:first-child { font-weight: 600; color: #2d1045; }

/* --- Carrier Logos --- */
.carriers-section { text-align: center; }
.carriers-note { color: #999; font-size: .85rem; font-style: italic; }

/* --- FAQ --- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border: 1px solid #e0d5ea; border-radius: 8px; margin-bottom: 12px; overflow: hidden; }
.faq-question { width: 100%; background: #fff; border: none; padding: 20px 24px; font-size: 1.05rem; font-weight: 600; color: #2d1045; text-align: left; cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; font-family: 'Source Sans 3', sans-serif; }
.faq-question:hover { background: #faf5ff; }
.faq-question i { color: #6a1b9a; transition: transform .3s; flex-shrink: 0; margin-left: 12px; }
.faq-item.active .faq-question { background: #faf5ff; }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .4s ease; }
.faq-answer-inner { padding: 0 24px 20px; color: #555; line-height: 1.8; }

/* --- Forms --- */
.form-wrapper { max-width: 680px; margin: 0 auto; background: #fff; border-radius: 12px; padding: 48px 40px; box-shadow: 0 8px 30px rgba(0,0,0,.06); border: 1px solid #e8e0f0; }
.form-wrapper h2 { text-align: center; margin-bottom: 6px; }
.form-subtitle { text-align: center; color: #888; margin-bottom: 32px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; color: #2d1045; font-size: .9rem; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 12px 16px; border: 1.5px solid #d0c5dd; border-radius: 6px; font-size: 1rem; font-family: 'Source Sans 3', sans-serif; transition: border-color .2s, box-shadow .2s; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: #6a1b9a; box-shadow: 0 0 0 3px rgba(106,27,154,.1); }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group .error-msg { color: #e53935; font-size: .8rem; margin-top: 4px; display: none; }
.form-group.has-error input, .form-group.has-error select { border-color: #e53935; }
.form-group.has-error .error-msg { display: block; }
.form-consent { font-size: .82rem; color: #999; margin-bottom: 20px; display: flex; gap: 8px; align-items: flex-start; }
.form-consent input[type="checkbox"] { margin-top: 3px; accent-color: #6a1b9a; }
.form-consent.has-error label { color: #e53935; }
.btn-submit { width: 100%; padding: 16px; font-size: 1.05rem; }
.form-success, .form-error { display: none; padding: 16px; border-radius: 8px; margin-top: 16px; font-weight: 600; text-align: center; }
.form-success { background: #e8f5e9; color: #2e7d32; border: 1px solid #c8e6c9; }
.form-error { background: #ffebee; color: #c62828; border: 1px solid #ffcdd2; }

.form-section-heading { color: #6a1b9a; margin: 24px 0 16px; font-size: 1rem; border-bottom: 2px solid #e8e0f0; padding-bottom: 8px; font-family: 'Source Sans 3', sans-serif; font-weight: 700; }
.form-section-heading i { margin-right: 8px; }

.form-trust { max-width: 680px; margin: 28px auto 0; display: flex; justify-content: center; gap: 32px; flex-wrap: wrap; text-align: center; color: #999; font-size: .82rem; }
.form-trust i { color: #6a1b9a; margin-right: 6px; }

/* --- What Happens Next --- */
.next-steps { max-width: 680px; margin: 48px auto 0; }
.next-steps h3 { text-align: center; margin-bottom: 24px; }
.next-step-item { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 20px; }
.next-step-num { width: 36px; height: 36px; background: #f3e5f5; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; color: #6a1b9a; font-size: .95rem; flex-shrink: 0; }
.next-step-item h4 { font-family: 'Source Sans 3', sans-serif; font-size: 1rem; color: #2d1045; margin-bottom: 2px; }
.next-step-item p { color: #777; font-size: .9rem; margin: 0; }

/* --- Contact Section --- */
.contact-section { background: #1a0a2e; padding: 80px 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.contact-info { color: rgba(255,255,255,.8); }
.contact-info h2 { color: #ffd700; margin-bottom: 16px; }
.contact-info p { margin-bottom: 16px; }
.contact-detail { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; color: rgba(255,255,255,.8); }
.contact-detail i { color: #ce93d8; width: 20px; text-align: center; }
.contact-detail a { color: #ffd700; }
.contact-detail a:hover { color: #fff; }
.contact-form-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 12px; padding: 36px; }
.contact-form-card h3 { color: #ffd700; margin-bottom: 20px; }
.contact-form-card .form-group label { color: rgba(255,255,255,.8); }
.contact-form-card .form-group input,
.contact-form-card .form-group textarea { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.15); color: #fff; }
.contact-form-card .form-group input:focus,
.contact-form-card .form-group textarea:focus { border-color: #ce93d8; box-shadow: 0 0 0 3px rgba(206,147,216,.15); }
.contact-form-card .form-group input::placeholder,
.contact-form-card .form-group textarea::placeholder { color: rgba(255,255,255,.35); }

/* --- CTA Banner --- */
.cta-banner { background: linear-gradient(135deg, #6a1b9a, #4a148c); padding: 70px 0; text-align: center; color: #fff; }
.cta-banner h2 { color: #ffd700; margin-bottom: 12px; }
.cta-banner p { font-size: 1.1rem; max-width: 550px; margin: 0 auto 28px; opacity: .9; }
.cta-actions { display: flex; gap: 16px; justify-content: center; align-items: center; flex-wrap: wrap; }
.cta-phone { color: rgba(255,255,255,.9); font-size: 1rem; }
.cta-phone a { color: #ffd700; font-weight: 700; }
.cta-phone a:hover { color: #fff; }

/* --- Breadcrumbs --- */
.breadcrumbs { background: #faf5ff; padding: 12px 0; border-bottom: 1px solid #e8e0f0; }
.breadcrumbs ol { list-style: none; display: flex; gap: 8px; font-size: .85rem; color: #999; }
.breadcrumbs a { color: #6a1b9a; }
.breadcrumbs .sep { color: #ccc; }

/* --- Thank You --- */
.thank-you-content { text-align: center; max-width: 600px; margin: 0 auto; }
.thank-you-icon { width: 80px; height: 80px; background: #e8f5e9; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; }
.thank-you-icon i { font-size: 2.5rem; color: #2e7d32; }

/* --- 404 --- */
.error-content { text-align: center; max-width: 500px; margin: 0 auto; }
.error-code { font-size: 6rem; color: #ffd700; font-family: 'Playfair Display', serif; font-weight: 800; line-height: 1; margin-bottom: 8px; }

/* --- Footer --- */
.site-footer { background: #1a0a2e; color: rgba(255,255,255,.6); padding: 60px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-about .logo-text { color: #fff; }
.footer-about p { font-size: .85rem; margin-top: 10px; }
.footer-links h4, .footer-contact h4 { color: #ce93d8; font-size: .88rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 1px; font-family: 'Source Sans 3', sans-serif; font-weight: 700; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: rgba(255,255,255,.6); font-size: .85rem; }
.footer-links a:hover { color: #ce93d8; }
.footer-contact p { font-size: .85rem; margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.footer-contact i { color: #ce93d8; width: 14px; }
.footer-contact a { color: rgba(255,255,255,.6); }
.footer-contact a:hover { color: #ffd700; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 24px; display: flex; justify-content: space-between; font-size: .8rem; }
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: #ce93d8; }
.footer-legal { display: flex; gap: 20px; }

/* --- Sticky Mobile CTA --- */
.mobile-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #4a148c;
  padding: 12px 20px;
  z-index: 90;
  box-shadow: 0 -2px 16px rgba(0,0,0,.2);
  justify-content: center;
  align-items: center;
  gap: 16px;
}
.mobile-cta .btn { padding: 12px 24px; font-size: .92rem; }
.mobile-cta .phone-btn { background: transparent; border: 2px solid #ffd700; color: #ffd700; padding: 10px 16px; border-radius: 6px; font-size: 1rem; }

/* --- Legal Pages --- */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.4rem; margin-top: 2rem; }
.legal-content p, .legal-content li { color: #555; font-size: .95rem; }
.legal-content ul { margin: 12px 0 12px 24px; }
.legal-content li { margin-bottom: 6px; }

/* --- Responsive --- */
@media (max-width: 968px) {
  .event-grid, .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .content-split, .coverage-detail, .contact-grid { grid-template-columns: 1fr; gap: 30px; }
  .coverage-detail:nth-child(even) { direction: ltr; }
  .content-split.reverse { direction: ltr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  h1 { font-size: 2.2rem; }
  .hero { padding: 70px 0 80px; }
}
@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav { position: fixed; top: 0; right: -100%; width: 270px; height: 100vh; background: #fff; box-shadow: -4px 0 20px rgba(0,0,0,.08); transition: right .3s; z-index: 200; padding: 70px 28px 28px; }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav li { border-bottom: 1px solid #eee; }
  .main-nav a { display: block; padding: 14px 0; }
  .nav-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.3); z-index: 150; }
  .nav-overlay.active { display: block; }
  .header-phone { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 28px 20px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .section { padding: 50px 0; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .mobile-cta { display: flex; }
  .site-footer { padding-bottom: 80px; }
  .coverage-table { font-size: .85rem; }
  .coverage-table th, .coverage-table td { padding: 10px 12px; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
}