/* ==========================================================================
   Florida Life Settlement Advisors - Main Stylesheet
   Colors: Black #000000, Red #d12929, Gold/Brown #9b6a29, Green #27c11f
   Fonts: Montserrat (headings), Open Sans (body)
   ========================================================================== */

:root {
  --black: #000000;
  --red: #d12929;
  --red-link: #e22b2b;
  --gold: #9b6a29;
  --gold-light: #b8843a;
  --green: #27c11f;
  --green-hover: #22a51b;
  --white: #ffffff;
  --light-gray: #f8f9fa;
  --border-gray: #e2e8f0;
  --text: #2d3748;
  --text-light: #718096;
  --menu-text: #eae3e3;
  --cta-text: #f2eaea;
  --font-heading: 'Montserrat', sans-serif;
  --font-body: 'Open Sans', sans-serif;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
}
a { color: var(--red-link); text-decoration: none; }
a:hover { color: var(--gold); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

/* Layout */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.content-container { max-width: 800px; }
.section { padding: 80px 0; }
.section--gray { background: var(--light-gray); }
.section--dark { background: var(--black); color: var(--white); }
.section__title { font-family: var(--font-heading); font-size: 2rem; text-align: center; margin-bottom: 1rem; color: var(--black); }
.section--dark .section__title { color: var(--gold); }
.section__subtitle { text-align: center; color: var(--text-light); max-width: 600px; margin: 0 auto 2rem; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: 6px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  text-align: center;
  transition: all 0.2s ease;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn--primary {
  background: var(--gold);
  color: var(--cta-text);
  border-color: var(--gold);
}
.btn--primary:hover {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}
.btn--secondary {
  background: transparent;
  color: var(--black);
  border-color: var(--black);
}
.btn--secondary:hover {
  background: var(--black);
  color: var(--white);
}
.btn-group { display: flex; gap: 1rem; flex-wrap: wrap; justify-content: center; }

/* ===== Header ===== */
.header {
  background: var(--black);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 70px;
}
.header__logo { height: 50px; width: auto; }
.burger {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.8rem;
  cursor: pointer;
}
.nav {
  display: flex;
  gap: 0;
  align-items: center;
}
.nav li a {
  display: block;
  padding: 24px 16px;
  color: var(--menu-text);
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.2s;
}
.nav li a:hover,
.nav li a.active { color: var(--red); }
.nav__cta {
  background: var(--gold) !important;
  color: var(--cta-text) !important;
  border-radius: 6px !important;
  padding: 12px 20px !important;
  margin-left: 8px;
}
.nav__cta:hover {
  background: var(--green) !important;
  color: var(--white) !important;
}

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 500px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero__image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.4) 100%);
  z-index: 1;
}
.hero__content {
  position: relative;
  z-index: 2;
  padding: 80px 24px;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}
.hero__content h1 {
  font-family: var(--font-heading);
  font-size: 3rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.5rem;
  max-width: 600px;
}
.hero__content p {
  font-size: 1.25rem;
  color: var(--gold-light);
  margin-bottom: 2rem;
  max-width: 500px;
}

/* ===== Cards ===== */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}
.card-grid--4 {
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0,0,0,0.08);
  transition: transform 0.2s, box-shadow 0.2s;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
}
.card__image {
  width: 100%;
  height: 200px;
  object-fit: cover;
}
.card__body { padding: 24px; }
.card__body h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  color: var(--black);
  margin-bottom: 0.75rem;
}
.card__body p { color: var(--text-light); font-size: 0.95rem; }
.card__link {
  display: inline-block;
  margin-top: 1rem;
  color: var(--red);
  font-weight: 600;
  font-size: 0.9rem;
}
.card__link:hover { color: var(--gold); }
.card__date { font-size: 0.85rem; color: var(--text-light); margin-bottom: 0.5rem; }
.card__tags { margin-top: 0.75rem; display: flex; flex-wrap: wrap; gap: 0.5rem; }
.tag {
  display: inline-block;
  background: var(--light-gray);
  color: var(--text-light);
  padding: 2px 10px;
  border-radius: 12px;
  font-size: 0.8rem;
}

/* ===== Features Grid ===== */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
}
.feature {
  text-align: center;
  padding: 2rem;
}
.feature h3 {
  font-family: var(--font-heading);
  color: var(--black);
  margin-bottom: 0.75rem;
}
.feature p { color: var(--text-light); font-size: 0.95rem; }

/* ===== Team ===== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}
.team-card {
  text-align: center;
  padding: 2rem;
}
.team-card__photo {
  width: 150px;
  height: 150px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 1rem;
  border: 3px solid var(--gold);
}
.team-card h3 { color: var(--white); font-family: var(--font-heading); }
.team-card__title { color: var(--gold); font-size: 0.9rem; margin-bottom: 0.75rem; }
.team-card p:last-child { color: rgba(255,255,255,0.75); font-size: 0.9rem; }

/* ===== FAQ ===== */
.faq-list { display: flex; flex-direction: column; gap: 0; }
.faq-item {
  border-bottom: 1px solid var(--border-gray);
  padding: 1.25rem 0;
}
.faq-item summary {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--black);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--red);
  transition: transform 0.2s;
}
.faq-item[open] summary::after {
  content: '\2212';
}
.faq-item p {
  margin-top: 0.75rem;
  color: var(--text-light);
  line-height: 1.8;
}

/* ===== Service Areas ===== */
.area-section { margin-bottom: 3rem; }
.area-section h2 {
  font-family: var(--font-heading);
  color: var(--black);
  margin-bottom: 1rem;
}
.area-section h2 a { color: var(--black); }
.area-section h2 a:hover { color: var(--red); }
.area-tags { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.area-tag {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--border-gray);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 0.9rem;
  color: var(--text);
  transition: all 0.2s;
}
a.area-tag:hover {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}
.area-card {
  display: block;
  background: var(--white);
  border: 2px solid var(--border-gray);
  border-radius: 12px;
  padding: 2rem;
  text-align: center;
  transition: all 0.2s;
}
.area-card:hover {
  border-color: var(--red);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}
.area-card h3 { font-family: var(--font-heading); color: var(--black); margin-bottom: 0.5rem; }
.area-card p { color: var(--text-light); font-size: 0.9rem; }

/* ===== Service Hero ===== */
.service-hero {
  position: relative;
  min-height: 300px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}
.service-hero__image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.service-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.3) 100%);
}
.service-hero__content {
  position: relative;
  z-index: 2;
  padding: 3rem 0;
  width: 100%;
}
.service-hero__content h1 {
  font-family: var(--font-heading);
  color: var(--white);
  font-size: 2.5rem;
  font-weight: 800;
}
.service-hero__content p {
  color: var(--gold-light);
  font-size: 1.15rem;
}

/* ===== Content ===== */
.content h2 {
  font-family: var(--font-heading);
  color: var(--black);
  font-size: 1.6rem;
  margin: 2rem 0 1rem;
}
.content h3 {
  font-family: var(--font-heading);
  color: var(--black);
  font-size: 1.25rem;
  margin: 1.5rem 0 0.75rem;
}
.content p { margin-bottom: 1rem; }
.content ul, .content ol {
  margin: 1rem 0;
  padding-left: 1.5rem;
}
.content ul { list-style: disc; }
.content ol { list-style: decimal; }
.content li { margin-bottom: 0.5rem; }
.content strong { color: var(--black); }

/* ===== Services List (full range) ===== */
.services-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.service-item {
  padding: 1.5rem;
  background: var(--white);
  border-radius: 8px;
  border-left: 4px solid var(--red);
}
.service-item h4 {
  font-family: var(--font-heading);
  color: var(--black);
  margin-bottom: 0.5rem;
}
.service-item p { font-size: 0.9rem; color: var(--text-light); }

.services-checklist {
  list-style: none;
  padding: 0;
}
.services-checklist li {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border-gray);
}
.services-checklist li a {
  color: var(--black);
  font-weight: 500;
}
.services-checklist li a:hover { color: var(--red); }
.services-checklist li::before {
  content: '\2713 ';
  color: var(--green);
  font-weight: 700;
}

/* ===== Contact ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-top: 2rem;
}
.contact-details {
  list-style: none;
  padding: 0;
}
.contact-details li {
  margin-bottom: 1.5rem;
}
.contact-details li strong {
  display: block;
  font-family: var(--font-heading);
  color: var(--black);
  margin-bottom: 0.25rem;
}
.contact-details li a { color: var(--red); }
.contact-details li a:hover { color: var(--gold); }

/* ===== Forms ===== */
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
.form__field { margin-bottom: 1rem; }
.form__field label {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 0.35rem;
}
.form__field input,
.form__field textarea,
.form__field select {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border-gray);
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 1rem;
  transition: border-color 0.2s;
  background: var(--white);
}
.form__field input:focus,
.form__field textarea:focus,
.form__field select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(209,41,41,0.15);
}

/* ===== CTA Call ===== */
.cta-call {
  background: var(--black);
  padding: 80px 0;
  text-align: center;
}
.cta-call h2 {
  font-family: var(--font-heading);
  color: var(--gold);
  font-size: 2.2rem;
  margin-bottom: 1rem;
}
.cta-call p { color: rgba(255,255,255,0.8); max-width: 600px; margin: 0 auto 2rem; }
.cta-call .btn--secondary {
  color: var(--white);
  border-color: var(--white);
}
.cta-call .btn--secondary:hover {
  background: var(--white);
  color: var(--black);
}
.cta-call__fine-print { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-top: 1rem !important; }

/* ===== Footer ===== */
.footer {
  background: #111111;
  color: rgba(255,255,255,0.7);
  padding: 60px 0 30px;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
.footer__logo { margin-bottom: 1rem; }
.footer h4 {
  font-family: var(--font-heading);
  color: var(--red);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 1rem;
}
.footer ul li { margin-bottom: 0.5rem; }
.footer ul li a { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.footer ul li a:hover { color: var(--gold); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
}

/* ===== List Items ===== */
.list-item {
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--border-gray);
}
.list-item h3 a { color: var(--black); }
.list-item h3 a:hover { color: var(--red); }
.list-item p { color: var(--text-light); margin-top: 0.5rem; }

/* ===== Article Meta ===== */
.article__meta {
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 2rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border-gray);
}

/* ===== Responsive ===== */
@media (max-width: 768px) {
  .burger { display: block; }
  .nav {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--black);
    border-top: 1px solid rgba(255,255,255,0.1);
    box-shadow: 0 8px 16px rgba(0,0,0,0.2);
  }
  .nav.open { display: flex; }
  .nav li a { padding: 16px 24px; }
  .nav__cta { margin: 8px 16px !important; text-align: center; }

  .hero__content h1 { font-size: 2rem; }
  .hero__content p { font-size: 1rem; }
  .hero { min-height: 400px; }

  .section { padding: 48px 0; }
  .section__title { font-size: 1.6rem; }

  .card-grid { grid-template-columns: 1fr; }
  .card-grid--4 { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }

  .contact-grid { grid-template-columns: 1fr; }
  .form__row { grid-template-columns: 1fr; }

  .footer__grid { grid-template-columns: 1fr 1fr; }

  .service-hero__content h1 { font-size: 1.8rem; }

  .cta-call { padding: 48px 0; }
  .cta-call h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
  .card-grid--4 { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .btn-group { flex-direction: column; align-items: center; }
}