* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --primary-color: #003366;
  --secondary-color: #0066cc;
  --accent-color: #ff6600;
  --light-bg: #f5f7fa;
  --text-color: #333;
  --white: #ffffff;
  --gray: #666;
  --border-color: #ddd;
}

body {
  font-family: 'Open Sans', sans-serif;
  color: var(--text-color);
  line-height: 1.6;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.site-header {
  background: var(--primary-color);
  padding: 15px 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 10px rgba(0,0,0,0.1);
}

.header-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}

.logo {
  max-height: 50px;
  width: auto;
}

.main-nav ul {
  display: flex;
  list-style: none;
  gap: 5px;
}

.main-nav a {
  color: var(--white);
  text-decoration: none;
  padding: 10px 15px;
  display: block;
  font-weight: 600;
  font-size: 14px;
  transition: background 0.3s;
  border-radius: 5px;
}

.main-nav a:hover {
  background: rgba(255,255,255,0.1);
}

.dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  min-width: 220px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.15);
  border-radius: 5px;
  padding: 10px 0;
  z-index: 100;
  visibility: hidden;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease, visibility 0.2s ease;
}

.dropdown:hover > .dropdown-menu {
  visibility: visible;
  opacity: 1;
  pointer-events: auto;
}

.dropdown-menu li {
  display: block;
}

.dropdown-menu a {
  color: var(--text-color);
  padding: 10px 20px;
}

.dropdown-menu a:hover {
  background: var(--light-bg);
  color: var(--secondary-color);
}

.arrow {
  font-size: 10px;
}

.header-phone {
  background: var(--accent-color);
  padding: 10px 20px;
  border-radius: 5px;
}

.phone-link {
  color: var(--white);
  text-decoration: none;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px;
}

.mobile-menu-toggle span {
  display: block;
  width: 25px;
  height: 3px;
  background: var(--white);
  margin: 5px 0;
  transition: 0.3s;
}

.hero {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
  color: var(--white);
  padding: 80px 0;
  text-align: center;
}

.hero h1 {
  font-size: 2.5rem;
  margin-bottom: 20px;
}

.hero p {
  font-size: 1.2rem;
  max-width: 700px;
  margin: 0 auto 30px;
  opacity: 0.9;
}

.btn {
  display: inline-block;
  padding: 15px 30px;
  border-radius: 5px;
  text-decoration: none;
  font-weight: 700;
  transition: all 0.3s;
  cursor: pointer;
  border: none;
  font-size: 16px;
}

.btn-primary {
  background: var(--accent-color);
  color: var(--white);
}

.btn-primary:hover {
  background: #e55b00;
  transform: translateY(-2px);
}

.btn-secondary {
  background: var(--white);
  color: var(--primary-color);
}

.btn-secondary:hover {
  background: var(--light-bg);
}

.btn-footer {
  background: var(--secondary-color);
  color: var(--white);
  padding: 10px 15px;
  font-size: 14px;
  margin: 5px 0;
  display: block;
  text-align: center;
}

.btn-footer:hover {
  background: var(--primary-color);
}

.section {
  padding: 60px 0;
}

.section-light {
  background: var(--light-bg);
}

.section-title {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 40px;
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 30px;
}

.insurance-category {
  background: var(--white);
  border-radius: 10px;
  padding: 30px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.08);
  transition: transform 0.3s, box-shadow 0.3s;
}

.insurance-category:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(0,0,0,0.12);
}

.insurance-category h3 {
  color: var(--primary-color);
  font-size: 1.3rem;
  margin-bottom: 15px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--secondary-color);
}

.insurance-category ul {
  list-style: none;
}

.insurance-category li {
  padding: 8px 0;
}

.insurance-category a {
  color: var(--text-color);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 10px;
  transition: color 0.3s;
}

.insurance-category a::before {
  content: "→";
  color: var(--accent-color);
}

.insurance-category a:hover {
  color: var(--secondary-color);
}

.about-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.about-content h2 {
  color: var(--primary-color);
  margin-bottom: 20px;
}

.about-content p {
  margin-bottom: 15px;
  color: var(--gray);
}

.features-list {
  list-style: none;
  margin: 20px 0;
}

.features-list li {
  padding: 10px 0;
  display: flex;
  align-items: center;
  gap: 10px;
}

.features-list li::before {
  content: "✓";
  color: var(--accent-color);
  font-weight: bold;
}

.page-header {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
  color: var(--white);
  padding: 60px 0;
  text-align: center;
}

.page-header h1 {
  font-size: 2.5rem;
  margin-bottom: 10px;
}

.page-header p {
  font-size: 1.1rem;
  opacity: 0.9;
}

.quote-form {
  max-width: 800px;
  margin: 0 auto;
  background: var(--white);
  padding: 40px;
  border-radius: 10px;
  box-shadow: 0 5px 30px rgba(0,0,0,0.1);
}

.form-section {
  margin-bottom: 30px;
  padding-bottom: 30px;
  border-bottom: 1px solid var(--border-color);
}

.form-section:last-of-type {
  border-bottom: none;
}

.form-section h3 {
  color: var(--primary-color);
  margin-bottom: 20px;
  font-size: 1.3rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin-bottom: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 600;
  color: var(--text-color);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 15px;
  border: 1px solid var(--border-color);
  border-radius: 5px;
  font-size: 16px;
  font-family: inherit;
  transition: border-color 0.3s, box-shadow 0.3s;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--secondary-color);
  box-shadow: 0 0 0 3px rgba(0,102,204,0.1);
}

.form-group.checkbox-group {
  display: flex;
  align-items: center;
  gap: 10px;
}

.form-group.checkbox-group input {
  width: auto;
}

.checkbox-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 10px;
}

.checkbox-list label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: normal;
  cursor: pointer;
}

.checkbox-list input[type="checkbox"] {
  width: 18px;
  height: 18px;
}

.driver-card,
.vehicle-card {
  background: var(--light-bg);
  padding: 20px;
  border-radius: 8px;
  margin-bottom: 20px;
  position: relative;
}

.driver-card h4,
.vehicle-card h4 {
  color: var(--primary-color);
  margin-bottom: 15px;
}

.remove-driver {
  position: absolute;
  top: 15px;
  right: 15px;
  background: #dc3545;
  color: white;
  border: none;
  padding: 5px 15px;
  border-radius: 5px;
  cursor: pointer;
  font-size: 14px;
}

.remove-driver:hover {
  background: #c82333;
}

.add-driver-btn {
  background: var(--secondary-color);
  color: white;
  border: none;
  padding: 12px 25px;
  border-radius: 5px;
  cursor: pointer;
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.add-driver-btn:hover {
  background: var(--primary-color);
}

.form-disclaimer {
  background: #fff3cd;
  border: 1px solid #ffc107;
  padding: 15px;
  border-radius: 5px;
  margin: 20px 0;
  font-size: 14px;
}

.form-disclaimer p {
  margin: 0;
}

.submit-btn {
  width: 100%;
  padding: 18px;
  font-size: 18px;
  margin-top: 20px;
}

.required-star {
  color: #dc3545;
}

.content-section {
  padding: 40px 0;
}

.content-section h2 {
  color: var(--primary-color);
  margin-bottom: 20px;
}

.content-section p {
  margin-bottom: 15px;
}

.content-section ul {
  margin: 15px 0 15px 30px;
}

.content-section li {
  margin-bottom: 10px;
}

.other-insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 20px;
}

.insurance-card {
  background: var(--white);
  border-radius: 10px;
  padding: 25px;
  box-shadow: 0 3px 15px rgba(0,0,0,0.08);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.insurance-card h3 {
  color: var(--primary-color);
  margin-bottom: 15px;
  font-size: 1.1rem;
}

.insurance-card .btn {
  margin-top: 15px;
  text-align: center;
}

.call-btn {
  background: #28a745;
  color: white;
}

.call-btn:hover {
  background: #218838;
}

.link-btn {
  background: var(--secondary-color);
  color: white;
}

.link-btn:hover {
  background: var(--primary-color);
}

.coverage-card {
  background: var(--white);
  border-radius: 10px;
  padding: 30px;
  margin-bottom: 30px;
  box-shadow: 0 3px 15px rgba(0,0,0,0.08);
}

.coverage-card h3 {
  color: var(--primary-color);
  margin-bottom: 15px;
  font-size: 1.3rem;
}

.educational-disclaimer {
  background: #e7f3ff;
  border-left: 4px solid var(--secondary-color);
  padding: 15px 20px;
  margin: 20px 0;
  border-radius: 0 5px 5px 0;
}

.phone-quote-card {
  background: var(--white);
  border-radius: 10px;
  padding: 30px;
  text-align: center;
  box-shadow: 0 5px 20px rgba(0,0,0,0.1);
  margin-bottom: 30px;
}

.phone-quote-card h3 {
  color: var(--primary-color);
  margin-bottom: 15px;
}

.big-phone {
  font-size: 2rem;
  color: var(--accent-color);
  font-weight: 700;
  display: block;
  margin: 20px 0;
}

.site-footer {
  background: var(--primary-color);
  color: var(--white);
  padding: 50px 0 20px;
}

.footer-content {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 40px;
  margin-bottom: 40px;
}

.footer-section h4 {
  font-size: 1.2rem;
  margin-bottom: 20px;
  color: var(--accent-color);
}

.footer-section ul {
  list-style: none;
}

.footer-section li {
  margin-bottom: 10px;
}

.footer-section a {
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  transition: color 0.3s;
}

.footer-section a:hover {
  color: var(--white);
}

.phone-link-footer {
  font-size: 1.2rem;
  font-weight: 700;
}

.hours {
  margin-top: 15px;
}

.hours h5 {
  margin-bottom: 10px;
  color: var(--accent-color);
}

.hours p {
  font-size: 14px;
  opacity: 0.9;
  margin-bottom: 5px;
}

.ca-note {
  margin-top: 15px;
  font-size: 13px;
  opacity: 0.8;
}

.footer-buttons {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  text-align: center;
}

.disclaimer {
  font-size: 12px;
  opacity: 0.7;
  margin-bottom: 10px;
  line-height: 1.5;
}

.copyright {
  font-size: 14px;
  opacity: 0.8;
}

.bottom-banner {
  width: 100%;
  max-width: 100%;
  height: auto;
  display: block;
  margin-top: 40px;
}

.success-message {
  background: #d4edda;
  border: 1px solid #c3e6cb;
  color: #155724;
  padding: 20px;
  border-radius: 5px;
  text-align: center;
  margin: 20px 0;
  display: none;
}

.success-message.show {
  display: block;
}

.hidden-field {
  display: none;
}

@media (max-width: 992px) {
  .about-section {
    grid-template-columns: 1fr;
  }
  
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--primary-color);
    padding: 20px;
  }
  
  .main-nav.active {
    display: block;
  }
  
  .main-nav ul {
    flex-direction: column;
  }
  
  .dropdown-menu {
    position: static;
    box-shadow: none;
    background: rgba(255,255,255,0.1);
    visibility: hidden;
    opacity: 0;
    height: 0;
    padding: 0;
    overflow: hidden;
    pointer-events: none;
  }
  
  .dropdown:hover > .dropdown-menu {
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
  }
  
  .dropdown.active .dropdown-menu {
    visibility: visible;
    opacity: 1;
    height: auto;
    padding: 0 0 0 20px;
    pointer-events: auto;
  }
  
  .dropdown-menu a {
    color: var(--white);
  }
  
  .mobile-menu-toggle {
    display: block;
  }
}

@media (max-width: 768px) {
  .hero h1 {
    font-size: 1.8rem;
  }
  
  .hero p {
    font-size: 1rem;
  }
  
  .section-title {
    font-size: 1.5rem;
  }
  
  .quote-form {
    padding: 20px;
  }
  
  .form-row {
    grid-template-columns: 1fr;
  }
  
  .header-phone {
    display: none;
  }
  
  .page-header h1 {
    font-size: 1.8rem;
  }
}

@media (max-width: 480px) {
  .logo {
    max-height: 35px;
  }
  
  .btn {
    padding: 12px 20px;
    font-size: 14px;
  }
  
  .insurance-category {
    padding: 20px;
  }
}