/*
Theme Name: Capital IMC
Theme URI: https://capitalims.com
Author: Capital IMC
Description: Custom one-page WordPress theme for Capital IMC Insurance & Multi Services — hero, service cards, Why Us, How It Works, CTA band and a 3-step quote/booking modal that emails service@capitalims.com via FormSubmit.
Version: 1.0
Text Domain: capitalimc
*/

/* ============ TOKENS ============ */
:root{
  --cream:#FBF8F1;
  --white:#FFFFFF;
  --navy:#0B2A4A;
  --navy-deep:#081D33;
  --navy-soft:#3E5977;
  --gold:#B8862E;
  --gold-light:#D9A94B;
  --gold-tint:#FBF0DD;
  --line:#E9E1D2;
  --ink:#1C2530;
  --ink-soft:#6B7684;
  --radius-lg:22px;
  --radius-md:14px;
  --maxw:1180px;
  --serif:"Playfair Display", Georgia, serif;
  --script:"Caveat", cursive;
  --sans:"Inter", -apple-system, BlinkMacSystemFont, sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:var(--sans);
  -webkit-font-smoothing:antialiased;
  line-height:1.5;
  overflow-x:hidden;
}
img,svg{max-width:100%;display:block;}
a{color:inherit;}
h1,h2,h3{font-family:var(--serif); font-weight:600; margin:0; color:var(--navy); letter-spacing:-0.01em;}
p{margin:0; color:var(--ink-soft);}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 32px;}
@media(max-width:640px){.wrap{padding:0 20px;}}
.script{font-family:var(--script); font-weight:700; color:var(--gold);}

button{font-family:var(--sans);cursor:pointer;border:none;background:none;}
button:disabled{opacity:.65; cursor:not-allowed;}
button:focus-visible, a:focus-visible, input:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}
@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.01ms !important; transition-duration:0.01ms !important; scroll-behavior:auto !important;}
}

.btn{
  display:inline-flex; align-items:center; gap:9px;
  padding:14px 26px; border-radius:100px;
  font-size:14.5px; font-weight:600;
  transition:transform .22s ease, box-shadow .22s ease, background .22s ease;
  white-space:nowrap;
}

.lgo-design{
  width: 180px;
  height: auto;
  display: block;
  object-fit: contain;
}

.footer-logo-img {
 
      width: 180px;
  height: auto;
  display: block;
  object-fit: contain;
}
.btn-navy{background:var(--navy); color:#fff;}
.btn-navy:hover{background:#0F3760; transform:translateY(-2px); box-shadow:0 14px 26px -12px rgba(11,42,74,.5);}
.btn-gold{background:var(--gold); color:#fff;}
.btn-gold:hover{background:#A47526; transform:translateY(-2px); box-shadow:0 14px 26px -12px rgba(184,134,46,.5);}
.btn-outline{background:transparent; color:var(--navy); border:1.5px solid var(--line);}
.btn-outline:hover{border-color:var(--navy);}
.btn-outline-light{background:transparent; color:#fff; border:1.5px solid rgba(255,255,255,.35);}
.btn-outline-light:hover{border-color:#fff; background:rgba(255,255,255,.08);}

/* ============ HEADER ============ */
header{
  position:sticky; top:0; z-index:40;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:1px 32px;
  max-width:var(--maxw); margin:0 auto;
  gap:20px;
}
.logo{display:flex; align-items:center; gap:10px;}
.logo .mark{
  width:38px; height:38px; border-radius:50%;
  background:var(--navy); color:var(--gold-light);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.logo .mark svg{width:20px; height:20px;}
.logo .text{line-height:1.15;}
.logo .text .name{font-family:var(--serif); font-size:19px; font-weight:700; color:var(--navy); letter-spacing:.02em;}
.logo .text .tag{font-size:9.5px; letter-spacing:.06em; color:var(--ink-soft); text-transform:uppercase;}

.nav-links{
  display:flex; gap:28px; list-style:none; margin:0; padding:0;
  font-size:14px; font-weight:600;
}
.nav-links a{text-decoration:none; color:var(--ink-soft); transition:color .2s;}
.nav-links a:hover{color:var(--gold);}
.nav-right{display:flex; align-items:center; gap:18px;}
.nav-cta{display:none;}
@media(min-width:960px){.nav-cta{display:inline-flex;} .nav-links{display:flex;}}
@media(max-width:959px){.nav-links{display:none;}}
.menu-btn{display:flex; flex-direction:column; gap:5px; padding:6px;}
.menu-btn span{width:22px; height:2px; background:var(--navy); border-radius:2px;}
@media(min-width:960px){.menu-btn{display:none;}}

.mobile-panel{
  display:none; border-top:1px solid var(--line);
  padding:20px 32px 26px; flex-direction:column; gap:16px; background:#fff;
}
.mobile-panel.open{display:flex;}
.mobile-panel a{text-decoration:none; color:var(--navy); font-size:16px; font-weight:600;}

/* ============ HERO ============ */
.hero{
  padding:64px 0 56px;
  background:linear-gradient(180deg, #fff 0%, var(--cream) 100%);
}
.hero-inner{
  background:var(--navy);
  border-radius:var(--radius-lg);
  padding:56px 48px;
  position:relative;
  overflow:hidden;
}
@media(max-width:640px){.hero-inner{padding:38px 24px;}}
.hero-grid{
  display:grid; grid-template-columns:1.1fr .9fr; gap:48px; align-items:center;
  position:relative; z-index:2;
}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr; gap:40px;}}

.hero h1{color:#fff; font-size:clamp(30px,4.3vw,46px); line-height:1.14;}
.hero h1 .accent{font-family:var(--script); color:var(--gold-light); font-size:1.15em; display:block; font-weight:700;}

.hero-sub-strong{color:#fff; font-weight:700; font-size:16px; margin-bottom:6px;}
.hero-sub{color:#B7C4D6; font-size:14.5px; max-width:42ch; line-height:1.6;}

.hero-actions{margin-top:28px; display:flex; flex-wrap:wrap; gap:14px;}

.hero-note{
  margin-top:26px; font-family:var(--script); color:var(--gold-light);
  font-size:19px; font-weight:600;
}

.hero-art{
  position:relative; border-radius:18px; overflow:hidden;
  box-shadow:0 30px 60px -20px rgba(0,0,0,.45);
  border:1px solid rgba(255,255,255,.12);
}
.hero-art img{width:100%; height:100%; object-fit:cover; aspect-ratio:1/.95;}

.hero-inner::before{
  content:""; position:absolute; top:-90px; right:-90px; width:280px; height:280px;
  border-radius:50%; background:radial-gradient(circle, rgba(217,169,75,.18), transparent 70%);
  pointer-events:none;
}

/* ============ ICON STRIP ============ */
.strip{padding:0 0 70px;}
.strip-grid{
  display:grid; grid-template-columns:repeat(4,1fr); gap:1px;
  background:var(--line); border:1px solid var(--line); border-radius:var(--radius-md);
  overflow:hidden;
}
@media(max-width:760px){.strip-grid{grid-template-columns:repeat(2,1fr);}}
.strip-item{
  background:#fff; padding:22px 20px; display:flex; align-items:center; gap:14px;
}
.strip-item .icon{
  width:40px; height:40px; border-radius:10px; background:var(--gold-tint); color:var(--gold);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.strip-item .icon svg{width:19px; height:19px;}
.strip-item .label{font-size:14px; font-weight:700; color:var(--navy);}
.strip-item .desc{font-size:12.5px; color:var(--ink-soft); margin-top:1px;}

/* ============ SERVICES ============ */
.services{padding:20px 0 90px;}
.section-head{text-align:center; max-width:520px; margin:0 auto 46px;}
.section-head h2{font-size:clamp(26px,3.6vw,36px);}
.section-head .sub{margin-top:10px; font-size:15px;}
.section-head .rule{width:44px; height:2.5px; background:var(--gold); margin:14px auto 0; border-radius:2px;}

.services-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:24px;}
@media(max-width:860px){.services-grid{grid-template-columns:1fr; max-width:420px; margin:0 auto;}}
.service-card{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius-md);
  overflow:hidden; transition:transform .25s ease, box-shadow .25s ease;
}
.service-card:hover{transform:translateY(-4px); box-shadow:0 20px 40px -20px rgba(11,42,74,.28);}
.service-art{
  aspect-ratio:16/11; overflow:hidden; position:relative; background:var(--gold-tint);
}
.service-art img{width:100%; height:100%; object-fit:cover;}
.service-body{padding:22px 22px 24px; position:relative;}
.service-badge{
  width:44px; height:44px; border-radius:50%; background:var(--navy); color:var(--gold-light);
  display:flex; align-items:center; justify-content:center;
  position:absolute; top:-22px; left:22px; border:4px solid #fff;
}
.service-badge svg{width:19px; height:19px;}
.service-body h3{font-size:18px; margin:14px 0 4px;}
.service-body p{font-size:14px; margin-bottom:14px;}
.service-link{
  display:inline-flex; align-items:center; gap:6px; font-size:13.5px; font-weight:700; color:var(--gold);
  text-decoration:none; transition:gap .2s;
}
.service-link:hover{gap:10px;}

/* ============ WHY US ============ */
.why{padding:20px 0 90px;}
.why-inner{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg);
  display:grid; grid-template-columns:1.15fr .85fr; overflow:hidden;
}
@media(max-width:860px){.why-inner{grid-template-columns:1fr;}}
.why-copy{padding:48px 46px;}
@media(max-width:640px){.why-copy{padding:36px 26px;}}
.why-copy .eyebrow{font-family:var(--serif); font-weight:700; font-size:15px; letter-spacing:.1em; color:var(--navy-soft); margin-bottom:6px;}
.why-copy h2{font-size:clamp(28px,4vw,38px); letter-spacing:.02em;}
.why-copy .script-line{font-family:var(--script); color:var(--gold); font-size:22px; font-weight:600; line-height:1.4; margin:14px 0 18px; max-width:34ch;}
.why-copy p.body{font-size:14.5px; line-height:1.7; max-width:48ch;}

.why-art{position:relative; min-height:280px;}
.why-art img{width:100%; height:100%; object-fit:cover; position:absolute; inset:0;}
@media(max-width:860px){.why-art{min-height:220px;}}

/* ============ HOW IT WORKS ============ */
.how{padding:20px 0 90px;}
.how-steps{
  display:flex; flex-wrap:wrap; align-items:flex-start; justify-content:center;
  column-gap:6px; row-gap:34px;
}
.how-step{
  flex:0 0 160px; text-align:center; padding:10px 8px 14px; border-radius:16px;
  transition:background .2s ease;
}
.how-step:hover{background:var(--gold-tint);}
.how-visual{
  display:flex; align-items:center; justify-content:center; height:56px; margin-bottom:14px;
}
.how-visual .num{
  width:26px; height:26px; border-radius:50%; background:var(--navy); color:#fff;
  font-size:11.5px; font-weight:700; display:flex; align-items:center; justify-content:center;
  border:2px solid #fff; position:relative; z-index:2; margin-right:-10px;
  box-shadow:0 0 0 1px var(--line);
}
.how-visual .icon-circle{
  width:56px; height:56px; border-radius:50%; background:var(--gold-tint); color:var(--gold);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.how-visual .icon-circle svg{width:22px; height:22px;}
.how-step h3{font-size:15px; margin-bottom:4px;}
.how-step p{font-size:13px;}
.how-arrow{
  flex:0 0 26px; height:56px; display:flex; align-items:center; justify-content:center;
  color:var(--line); font-size:18px; margin-top:10px;
}
@media(max-width:820px){
  .how-arrow{display:none;}
  .how-step{flex:0 0 45%;}
}

/* ============ CTA BAND ============ */
.cta-band{
  background:var(--navy-deep); border-radius:var(--radius-lg); margin:0 20px 90px;
  padding:70px 48px; position:relative; overflow:hidden;
}
@media(min-width:1220px){.cta-band{margin-left:calc((100vw - var(--maxw))/2 + 20px); margin-right:calc((100vw - var(--maxw))/2 + 20px);}}
@media(max-width:640px){.cta-band{padding:44px 26px;}}
.cta-band::before{
  content:""; position:absolute; bottom:-60px; left:-60px; width:220px; height:220px; border-radius:50%;
  background:radial-gradient(circle, rgba(184,134,46,.18), transparent 70%);
}
.cta-grid{display:flex; align-items:center; justify-content:space-between; gap:36px; flex-wrap:wrap; position:relative;}
.cta-left h2{color:#fff; font-size:clamp(24px,3.4vw,32px); line-height:1.25;}
.cta-left h2 .script{font-family:var(--script); font-weight:700; font-size:1.05em; display:block; color:var(--gold-light);}
.cta-actions{display:flex; gap:14px; margin-top:26px; flex-wrap:wrap;}
.cta-right{font-family:var(--script); color:var(--gold-light); font-size:20px; text-align:right; line-height:1.5;}
@media(max-width:640px){.cta-right{text-align:left;}}

/* ============ FOOTER ============ */
footer{background:var(--navy-deep); color:#B7C4D6; padding:44px 0 26px;}
.footer-grid{display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:22px; margin-bottom:24px;}
.footer-logo{display:flex; align-items:center; gap:10px;}
.footer-logo .mark{width:34px; height:34px; border-radius:50%; background:rgba(255,255,255,.08); color:var(--gold-light); display:flex; align-items:center; justify-content:center;}
.footer-logo .mark svg{width:17px; height:17px;}
.footer-logo .name{font-family:var(--serif); font-weight:700; color:#fff; font-size:16.5px;}
.footer-phone{
  display:inline-flex; align-items:center; gap:8px; text-decoration:none;
  font-size:14.5px; font-weight:700; color:#fff; transition:color .2s;
}
.footer-phone svg{width:16px; height:16px; color:var(--gold-light); flex-shrink:0;}
.footer-phone:hover{color:var(--gold-light);}
.footer-links{display:flex; gap:24px; list-style:none; margin:0; padding:0; flex-wrap:wrap;}
.footer-links a{text-decoration:none; font-size:13.5px; font-weight:600; color:#B7C4D6; transition:color .2s;}
.footer-links a:hover{color:var(--gold-light);}
.footer-social{display:flex; gap:10px;}
.footer-social a{
  width:34px; height:34px; border-radius:50%; background:rgba(255,255,255,.08);
  display:flex; align-items:center; justify-content:center; color:#fff; transition:background .2s;
}
.footer-social a:hover{background:var(--gold);}
.footer-social svg{width:15px; height:15px;}
footer .copyright{font-size:12px; border-top:1px solid rgba(255,255,255,.1); padding-top:20px; color:#8496AB;}

/* ============ MODAL ============ */
.modal-overlay{
  position:fixed; inset:0; z-index:100; background:rgba(8,29,51,.6);
  display:none; align-items:center; justify-content:center; padding:24px;
  opacity:0; transition:opacity .3s ease;
}
.modal-overlay.open{display:flex;}
.modal-overlay.show{opacity:1;}
.modal{
  background:#fff; border-radius:var(--radius-lg); width:100%; max-width:640px;
  max-height:88vh; overflow-y:auto; padding:40px 44px; position:relative;
  transform:translateY(18px) scale(.98); opacity:0;
  transition:transform .35s cubic-bezier(.2,.7,.3,1), opacity .35s ease;
  box-shadow:0 40px 90px -20px rgba(8,29,51,.4);
}
.modal-overlay.show .modal{transform:translateY(0) scale(1); opacity:1;}
@media(max-width:600px){.modal{padding:30px 22px;}}

.modal-close{
  position:absolute; top:20px; right:20px; width:36px; height:36px; border-radius:50%;
  background:var(--cream); display:flex; align-items:center; justify-content:center;
  color:var(--ink-soft); transition:background .2s, color .2s;
}
.modal-close:hover{background:var(--gold-tint); color:var(--gold);}
.modal-brand{font-family:var(--serif); font-size:16px; font-weight:700; color:var(--navy); margin-bottom:22px;}

.progress{display:flex; align-items:center; gap:10px; margin-bottom:32px; flex-wrap:wrap;}
.progress-step{display:flex; align-items:center; gap:8px; font-size:12.5px; font-weight:700; color:var(--ink-soft);}
.progress-step .num{
  width:22px; height:22px; border-radius:50%; background:var(--cream); color:var(--ink-soft);
  display:flex; align-items:center; justify-content:center; font-size:11px; transition:background .25s, color .25s;
}
.progress-step.active .num, .progress-step.done .num{background:var(--gold); color:#fff;}
.progress-step.active span.label, .progress-step.done span.label{color:var(--navy);}
.progress-arrow{color:var(--line); font-size:14px;}

.step{display:none;}
.step.active{display:block; animation:stepIn .35s ease;}
@keyframes stepIn{from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:translateY(0);}}
.step h2{font-size:clamp(22px,3.6vw,27px); max-width:16ch; margin-bottom:8px;}
.step .step-sub{font-size:14.5px; margin-bottom:26px;}

.choice-grid{display:grid; gap:12px; margin-bottom:26px;}
.choice-card{
  display:flex; align-items:center; gap:16px; padding:16px 18px;
  border:1.5px solid var(--line); border-radius:var(--radius-md); background:#fff;
  transition:border-color .2s, background .2s; text-align:left; width:100%;
}
.choice-card:hover{border-color:var(--gold);}
.choice-card.selected{border-color:var(--gold); background:var(--gold-tint);}
.choice-card .icon-mini{
  width:38px; height:38px; border-radius:10px; background:var(--cream); color:var(--navy);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.choice-card .icon-mini svg{width:18px; height:18px;}
.choice-card .check{
  width:22px; height:22px; border-radius:7px; border:1.5px solid var(--line); background:#fff;
  flex-shrink:0; display:flex; align-items:center; justify-content:center; margin-left:auto;
  transition:background .2s, border-color .2s;
}
.choice-card.selected .check{background:var(--gold); border-color:var(--gold);}
.choice-card .check svg{width:13px; height:13px; color:#fff; opacity:0; transition:opacity .15s;}
.choice-card.selected .check svg{opacity:1;}
.choice-card .ct-label{font-weight:700; font-size:15px; color:var(--navy);}
.choice-card .ct-sub{font-size:12.5px; color:var(--ink-soft); margin-top:1px;}

.field{margin-bottom:16px;}
.field label{display:block; font-size:13px; font-weight:700; margin-bottom:7px; color:var(--ink-soft);}
.field input{
  width:100%; padding:13px 16px; border:1.5px solid var(--line); border-radius:var(--radius-md);
  background:#fff; color:var(--ink); font-family:var(--sans); font-size:15px; transition:border-color .2s;
}
.field input:focus{border-color:var(--gold); outline:none;}
.field input.invalid{border-color:#C0453D;}
.field .err{font-size:12.5px; color:#C0453D; margin-top:6px; display:none;}
.field .err.show{display:block;}

.cal-header{display:flex; align-items:center; justify-content:space-between; margin-bottom:18px;}
.cal-header .cal-month{font-family:var(--serif); font-size:16px; font-weight:700; color:var(--navy);}
.cal-nav{display:flex; gap:8px;}
.cal-nav button{width:32px; height:32px; border-radius:50%; background:var(--cream); color:var(--ink-soft); display:flex; align-items:center; justify-content:center;}
.cal-nav button:hover{background:var(--gold-tint); color:var(--gold);}
.cal-grid{display:grid; grid-template-columns:repeat(7,1fr); gap:6px; margin-bottom:24px;}
.cal-dow{font-size:11.5px; text-align:center; color:var(--ink-soft); font-weight:700; padding-bottom:4px;}
.cal-day{
  aspect-ratio:1; border-radius:9px; background:var(--cream); display:flex; align-items:center; justify-content:center;
  font-size:14px; color:var(--ink); position:relative;
}
.cal-day.avail{cursor:pointer;}
.cal-day.avail:hover{background:var(--gold-tint);}
.cal-day.muted{color:var(--ink-soft); opacity:.35; background:transparent;}
.cal-day.selected{background:var(--gold); color:#fff; font-weight:700;}

.slot-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:10px; margin-bottom:26px;}
@media(max-width:420px){.slot-grid{grid-template-columns:repeat(2,1fr);}}
.slot{
  padding:11px 6px; border-radius:10px; border:1.5px solid var(--line); background:#fff;
  font-size:13.5px; font-weight:600; text-align:center; color:var(--navy); transition:border-color .2s, background .2s;
}
.slot:hover{border-color:var(--gold);}
.slot.selected{border-color:var(--gold); background:var(--gold-tint); color:var(--gold); font-weight:700;}

.step-actions{display:flex; justify-content:space-between; align-items:center; margin-top:6px;}
.back-link{font-size:14px; font-weight:700; color:var(--ink-soft); padding:8px;}
.back-link:hover{color:var(--navy);}

.confirm-icon{
  width:58px; height:58px; border-radius:50%; background:var(--gold-tint); color:var(--gold);
  display:flex; align-items:center; justify-content:center; margin-bottom:22px;
}
.confirm-icon svg{width:26px; height:26px;}
.summary-card{margin-top:22px; padding:20px 22px; border-radius:var(--radius-md); background:var(--cream); border:1px solid var(--line);}
.summary-row{display:flex; justify-content:space-between; padding:8px 0; font-size:14px; border-bottom:1px solid var(--line);}
.summary-row:last-child{border-bottom:none;}
.summary-row .k{color:var(--ink-soft);}
.summary-row .v{font-weight:700; color:var(--navy);}
.confirm-note{margin-top:18px; font-size:13.5px; line-height:1.6;}
.gcal-link{margin-top:16px; width:100%; justify-content:center;}