/* IFL Contracts — Umbrella Company Solutions — shared stylesheet */

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: #253029;
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--green); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4, h5, h6 {
  font-family: 'Poppins', 'Segoe UI', -apple-system, sans-serif;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin: 0 0 0.6em;
  line-height: 1.18;
  color: var(--green-dark);
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

:root {
  --green: #12A66B;
  --green-dark: #0A4A33;
  --green-deep: #063524;
  --green-mid: #0B7A4C;
  --green-light: #E7F6EE;
  --green-tint: #F2FAF6;
  --gold: #E0A82E;
  --gold-dark: #B9861A;
  --black: #253029;
  --grey-900: #2c3a33;
  --grey-700: #55645c;
  --grey-500: #8a978f;
  --grey-200: #e4ebe7;
  --grey-100: #f2f6f4;
  --bg-soft: #f5f9f7;
  --max-w: 1200px;
  --shadow-sm: 0 2px 10px rgba(10,74,51,0.06);
  --shadow-md: 0 12px 34px rgba(10,74,51,0.12);
  --shadow-lg: 0 20px 55px rgba(10,74,51,0.16);
  --radius: 16px;
  --radius-sm: 10px;
}

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--green-deep);
  color: #fff;
  font-size: 0.85rem;
  padding: 9px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.topbar a { color: #fff; }
.topbar a:hover { color: var(--gold); text-decoration: none; }
.topbar .links { display: flex; gap: 20px; flex-wrap: wrap; }
.topbar .links span { opacity: 0.9; }

/* ---------- Header / Nav ---------- */
.site-header {
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(160%) blur(8px);
  border-bottom: 1px solid var(--grey-200);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: var(--shadow-sm);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 12px;
  padding-bottom: 12px;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 50px; width: auto; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  color: var(--grey-900);
  font-family: 'Poppins', sans-serif;
  font-weight: 500;
  font-size: 0.95rem;
  padding: 10px 15px;
  border-radius: 999px;
  text-decoration: none;
  transition: color .15s, background .15s;
}
.main-nav a:hover, .main-nav a.active {
  color: var(--green-mid);
  background: var(--green-light);
}
.nav-cta {
  background: var(--green);
  color: #fff !important;
  padding: 10px 22px !important;
  box-shadow: 0 6px 16px rgba(18,166,107,0.28);
}
.nav-cta:hover { background: var(--green-mid) !important; }

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

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 10px 16px 18px;
    border-bottom: 1px solid var(--grey-200);
    box-shadow: var(--shadow-md);
    display: none;
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 14px 14px; border-radius: var(--radius-sm); }
  .nav-cta { text-align: center; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  padding: 14px 30px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 0.98rem;
  border: 2px solid var(--green);
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.18s ease;
  text-decoration: none;
  box-shadow: 0 8px 22px rgba(18,166,107,0.22);
}
.btn:hover { background: var(--green-mid); border-color: var(--green-mid); text-decoration: none; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--green-dark); box-shadow: none; }
.btn-outline:hover { background: var(--green-dark); color: #fff; border-color: var(--green-dark); }
.btn-light { background: #fff; color: var(--green-dark); border-color: #fff; }
.btn-light:hover { background: var(--green-light); border-color: var(--green-light); color: var(--green-dark); }
.btn-gold { background: var(--gold); border-color: var(--gold); color: #3a2c05; box-shadow: 0 8px 22px rgba(224,168,46,0.32); }
.btn-gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); color: #fff; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(18,166,107,0.35), transparent 60%),
    linear-gradient(150deg, var(--green-deep) 0%, var(--green-dark) 55%, var(--green-mid) 130%);
  color: #fff;
  padding: 96px 0 104px;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  right: -80px; top: -80px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(224,168,46,0.18), transparent 70%);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero h1 { color: #fff; max-width: 860px; }
.hero p.lead { font-size: 1.2rem; max-width: 720px; opacity: 0.95; margin-bottom: 32px; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero .hero-note { margin-top: 26px; font-size: 0.95rem; opacity: 0.9; display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.hero .hero-note strong { color: var(--gold); }

/* Hero highlight pills */
.hero-pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; }
.hero-pills span {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 500;
}
.hero-pills span::before { content: '✓ '; color: var(--gold); font-weight: 700; }

/* ---------- Sections ---------- */
section { padding: 74px 0; }
.section-soft { background: var(--bg-soft); }
.section-tint { background: var(--green-tint); }
.section-dark { background: var(--green-dark); color: #fff; }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }
.section-title { text-align: center; margin-bottom: 14px; }
.section-sub { text-align: center; color: var(--grey-700); max-width: 720px; margin: 0 auto 50px; }
.section-dark .section-sub { color: rgba(255,255,255,0.85); }

.eyebrow {
  display: inline-block;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--green);
  font-size: 0.8rem;
  margin-bottom: 12px;
}
.section-dark .eyebrow { color: var(--gold); }

/* ---------- Grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; } }

/* Service / feature card */
.card {
  background: #fff;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 30px;
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card .icon {
  width: 54px; height: 54px;
  border-radius: 14px;
  background: linear-gradient(145deg, var(--green-light), #d6efe1);
  color: var(--green-mid);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card h3 { color: var(--green-dark); }
.card p { color: var(--grey-700); margin-bottom: 0; }

/* Stats */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  text-align: center;
}
.stat .num {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 3rem;
  color: #fff;
  line-height: 1;
  margin-bottom: 6px;
}
.stat .num span { color: var(--gold); }
.stat .label { text-transform: uppercase; letter-spacing: 1.5px; font-size: 0.82rem; opacity: 0.88; }
@media (max-width: 700px) { .stats { grid-template-columns: repeat(2, 1fr); gap: 26px; } }

/* Benefit / feature with check */
.feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 24px;
}
.feature .check {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--green-light);
  color: var(--green-mid);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
}
.feature h4 { color: var(--green-dark); margin: 2px 0 6px; font-family: 'Poppins', sans-serif; }
.feature p { color: var(--grey-700); margin: 0; font-size: 0.95rem; }

/* Steps (how it works) */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }
.step {
  background: #fff;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 30px 26px;
  position: relative;
}
.step .n {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--green);
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  box-shadow: 0 8px 18px rgba(18,166,107,0.28);
}
.step h4 { color: var(--green-dark); font-family: 'Poppins', sans-serif; margin-bottom: 8px; }
.step p { color: var(--grey-700); margin: 0; font-size: 0.95rem; }

/* Fee highlight */
.fee-band {
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
  color: #fff;
  border-radius: var(--radius);
  padding: 46px 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  box-shadow: var(--shadow-lg);
}
@media (max-width: 760px) { .fee-band { grid-template-columns: 1fr; text-align: center; } }
.fee-band h2 { color: #fff; }
.fee-item { text-align: center; }
.fee-item .amount { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 3.2rem; line-height: 1; color: #fff; }
.fee-item .amount span { color: var(--gold); }
.fee-item .per { text-transform: uppercase; letter-spacing: 2px; font-size: 0.85rem; opacity: 0.9; margin-top: 8px; }

/* Testimonials */
.testimonial {
  background: #fff;
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--grey-200);
  position: relative;
}
.testimonial::before {
  content: '\201C';
  position: absolute;
  top: 10px; right: 24px;
  font-family: Georgia, serif;
  font-size: 4rem;
  color: var(--green-light);
  line-height: 1;
}
.testimonial p.quote { font-size: 1.05rem; color: var(--grey-900); }
.testimonial .author { font-family: 'Poppins', sans-serif; font-weight: 600; color: var(--green-dark); }
.testimonial .role { font-size: 0.85rem; color: var(--grey-500); }

/* CTA banner */
.cta-banner {
  background:
    radial-gradient(700px 300px at 15% 120%, rgba(224,168,46,0.20), transparent 60%),
    linear-gradient(135deg, var(--green-deep), var(--green-mid));
  color: #fff;
  padding: 66px 0;
  text-align: center;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { max-width: 640px; margin: 0 auto 28px; opacity: 0.92; }
.cta-banner .actions { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ---------- Page header ---------- */
.page-header {
  background:
    radial-gradient(800px 360px at 90% -20%, rgba(18,166,107,0.4), transparent 60%),
    linear-gradient(140deg, var(--green-deep), var(--green-dark) 70%, var(--green-mid));
  color: #fff;
  padding: 74px 0 62px;
  text-align: center;
}
.page-header h1 { color: #fff; margin-bottom: 12px; }
.page-header p { opacity: 0.92; max-width: 720px; margin: 0 auto; }
.breadcrumb { font-size: 0.82rem; color: rgba(255,255,255,0.82); margin-bottom: 16px; text-transform: uppercase; letter-spacing: 2px; }
.breadcrumb a { color: rgba(255,255,255,0.92); }

/* ---------- Content grid ---------- */
.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 52px;
  align-items: center;
}
.content-grid img { width: 100%; border-radius: var(--radius); box-shadow: var(--shadow-md); }
@media (max-width: 820px) { .content-grid { grid-template-columns: 1fr; gap: 32px; } }

.value-prop { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 22px; }
.value-prop .num {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.6rem;
  color: var(--green);
  line-height: 1;
  flex-shrink: 0;
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
}
.value-prop h4 { font-family: 'Poppins', sans-serif; color: var(--green-dark); margin: 6px 0 6px; }
.value-prop p { color: var(--grey-700); margin: 0; }

/* Tick list */
.tick-list { list-style: none; padding: 0; margin: 0; }
.tick-list li { position: relative; padding: 10px 0 10px 34px; border-bottom: 1px dashed var(--grey-200); color: var(--grey-700); }
.tick-list li::before {
  content: '✓';
  position: absolute; left: 0; top: 10px;
  width: 22px; height: 22px;
  background: var(--green-light);
  color: var(--green-mid);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700;
}

/* ---------- Pricing cards ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; align-items: stretch; }
@media (max-width: 900px) { .pricing-grid { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; } }
.price-card {
  background: #fff;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 36px 30px;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}
.price-card.featured { border: 2px solid var(--green); position: relative; box-shadow: var(--shadow-md); }
.price-card.featured::before {
  content: 'Most Popular';
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: #3a2c05;
  padding: 5px 16px;
  border-radius: 999px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  letter-spacing: 0.5px;
  font-size: 0.75rem;
}
.price-card h3 { color: var(--green-dark); }
.price-card .price {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 2.8rem;
  color: var(--green-dark);
  line-height: 1;
  margin: 18px 0 4px;
}
.price-card .price small { font-size: 0.95rem; color: var(--grey-500); font-weight: 500; }
.price-card .price-note { color: var(--grey-500); font-size: 0.9rem; margin-bottom: 8px; }
.price-card ul { list-style: none; padding: 0; margin: 20px 0; flex-grow: 1; }
.price-card ul li { padding: 9px 0; border-bottom: 1px dashed var(--grey-200); font-size: 0.95rem; color: var(--grey-700); }
.price-card ul li::before { content: '✓'; color: var(--green); font-weight: bold; margin-right: 10px; }
.price-card ul li.no::before { content: '✗'; color: var(--grey-500); }
.price-card ul li.no { color: var(--grey-500); }

/* ---------- FAQ / accordion ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: #fff;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  padding: 20px 24px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  color: var(--green-dark);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; font-size: 1.5rem; color: var(--green); font-weight: 400; transition: transform .2s; }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 24px 20px; color: var(--grey-700); }
.faq-item .faq-body p { margin: 0; }

/* ---------- Forms ---------- */
form .field { margin-bottom: 18px; }
form label {
  display: block;
  margin-bottom: 6px;
  font-family: 'Poppins', sans-serif;
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--grey-900);
}
form input[type=text],
form input[type=email],
form input[type=tel],
form select,
form textarea {
  width: 100%;
  padding: 13px 15px;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: inherit;
  background: #fff;
  color: var(--black);
}
form input:focus, form select:focus, form textarea:focus {
  outline: 0;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(18,166,107,0.16);
}
form textarea { min-height: 150px; resize: vertical; }

/* ---------- Contact rows ---------- */
.contact-row {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--grey-200);
}
.contact-row .icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--green-light);
  color: var(--green-mid);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1.15rem;
}
.contact-row strong { display: block; font-family: 'Poppins', sans-serif; color: var(--green-dark); }
.contact-row span { color: var(--grey-700); font-size: 0.95rem; }

/* ---------- Alert ---------- */
.alert {
  background: var(--green-light);
  border-left: 4px solid var(--green);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  margin: 20px 0;
  color: var(--green-dark);
}

/* ---------- Logo strip ---------- */
.trust-strip { padding: 34px 0; border-bottom: 1px solid var(--grey-200); }
.trust-strip .container { display: flex; align-items: center; justify-content: center; gap: 14px 42px; flex-wrap: wrap; }
.trust-strip span {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  color: var(--grey-500);
  font-size: 0.95rem;
  display: flex; align-items: center; gap: 8px;
}
.trust-strip span::before { content: '★'; color: var(--gold); }

/* ---------- Legal pages ---------- */
.legal h2 { margin-top: 34px; }
.legal h3 { margin-top: 22px; color: var(--grey-900); font-family: 'Poppins', sans-serif; }
.legal ul, .legal ol { padding-left: 22px; color: var(--grey-700); }
.legal ul li, .legal ol li { margin-bottom: 6px; }
.legal table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.legal th, .legal td { padding: 10px; border: 1px solid var(--grey-200); text-align: left; vertical-align: top; }
.legal th { background: var(--green-light); color: var(--green-dark); font-family: 'Poppins', sans-serif; }

/* ---------- Footer ---------- */
.site-footer {
  background: #06251A;
  color: #c5d6cd;
  padding: 62px 0 0;
  font-size: 0.92rem;
}
.site-footer .container { display: grid; grid-template-columns: 2fr 1fr 1fr 1.3fr; gap: 36px; }
@media (max-width: 820px) { .site-footer .container { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .site-footer .container { grid-template-columns: 1fr; } }
.site-footer h4 {
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-size: 0.98rem;
  letter-spacing: 0.5px;
  margin-bottom: 18px;
}
.site-footer a { color: #c5d6cd; text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: none; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 8px; }
.footer-brand img { height: 58px; background: #fff; padding: 10px 14px; border-radius: 12px; margin-bottom: 18px; }
.footer-brand p { color: #9fb6ab; max-width: 320px; }
.footer-bottom {
  margin-top: 44px;
  padding: 22px 0;
  border-top: 1px solid #143a2b;
  text-align: center;
  font-size: 0.82rem;
  color: #7f998d;
}
.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: #a9c0b6; }

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-40 { margin-top: 40px; }
.lead-in { font-size: 1.12rem; color: var(--grey-700); }

/* Print */
@media print {
  .site-header, .site-footer, .topbar, .cta-banner { display: none; }
  body { color: #000; }
}