/* ==========================================================================
   Admon Insurance Agency — Unified Site Styles
   Institutional design system: navy / white / gold, RTL-first (Hebrew)
   ========================================================================== */

:root {
    /* Brand palette */
    --navy-950: #081a33;
    --navy-900: #0c2240;
    --navy-800: #11305a;
    --navy-700: #16407a;
    --blue-600: #1e5aa8;
    --blue-100: #e3ecf7;
    --gold-600: #a98718;
    --gold-500: #c9a227;
    --gold-100: #f6efdb;
    --ink-900: #16202e;
    --ink-600: #46566b;
    --ink-400: #6b7a90;
    --bg: #f6f8fb;
    --white: #ffffff;
    --line: #dfe6ef;
    --success: #1b7a43;
    --error: #b42318;

    /* Shape & elevation */
    --radius: 12px;
    --radius-lg: 18px;
    --shadow-sm: 0 1px 2px rgba(12, 34, 64, 0.06), 0 1px 3px rgba(12, 34, 64, 0.08);
    --shadow-md: 0 10px 28px rgba(12, 34, 64, 0.12);

    /* Layout */
    --container: 1160px;
    --header-h: 76px;
}

/* --------------------------------------------------------------------------
   Base / reset
   -------------------------------------------------------------------------- */
*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: calc(var(--header-h) + 16px);
}

body {
    margin: 0;
    font-family: 'Assistant', 'Segoe UI', Arial, sans-serif;
    font-size: 1.0625rem;
    line-height: 1.7;
    color: var(--ink-900);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    text-align: right;
}

h1, h2, h3, h4 {
    color: var(--navy-900);
    line-height: 1.25;
    margin: 0 0 0.6em;
    font-weight: 700;
}

p {
    margin: 0 0 1em;
}

img {
    max-width: 100%;
    height: auto;
}

a {
    color: var(--blue-600);
}

ul {
    padding-right: 1.25em;
    padding-left: 0;
}

.container {
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 20px;
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
    border: 0;
}

.skip-link {
    position: absolute;
    top: -48px;
    right: 16px;
    z-index: 2000;
    background: var(--navy-900);
    color: var(--white);
    padding: 10px 18px;
    border-radius: 0 0 var(--radius) var(--radius);
    text-decoration: none;
    transition: top 0.2s ease;
}

.skip-link:focus {
    top: 0;
}

:focus-visible {
    outline: 3px solid var(--gold-500);
    outline-offset: 2px;
}

.icon {
    width: 1.25em;
    height: 1.25em;
    flex: none;
    vertical-align: -0.25em;
    fill: none;
    stroke: currentColor;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 26px;
    border-radius: var(--radius);
    border: 2px solid transparent;
    font: inherit;
    font-weight: 700;
    text-decoration: none;
    cursor: pointer;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
    min-height: 48px;
}

.btn:hover {
    transform: translateY(-1px);
}

.btn-gold {
    background: var(--gold-500);
    color: var(--navy-950);
}

.btn-gold:hover {
    background: var(--gold-600);
    color: var(--white);
}

.btn-navy {
    background: var(--navy-900);
    color: var(--white);
}

.btn-navy:hover {
    background: var(--navy-700);
}

.btn-outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.65);
}

.btn-outline-light:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: var(--white);
}

.btn-whatsapp {
    background: #1faa53;
    color: var(--white);
}

.btn-whatsapp:hover {
    background: #178a43;
    color: var(--white);
}

.btn-block {
    width: 100%;
}

.btn[disabled] {
    opacity: 0.6;
    cursor: progress;
    transform: none;
}

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 1px solid var(--line);
}

.site-header.scrolled {
    box-shadow: var(--shadow-sm);
}

.header-inner {
    display: flex;
    align-items: center;
    gap: 24px;
    min-height: var(--header-h);
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--navy-900);
}

.brand img {
    width: 44px;
    height: 44px;
    object-fit: cover;
    border-radius: 10px;
}

.brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.brand-text strong {
    font-size: 1.1rem;
    font-weight: 800;
}

.brand-text small {
    color: var(--gold-600);
    font-weight: 600;
    letter-spacing: 0.02em;
}

.main-nav {
    margin-inline-start: auto;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 6px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.nav-menu a {
    display: block;
    padding: 10px 14px;
    border-radius: 8px;
    color: var(--ink-900);
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.2s ease, color 0.2s ease;
}

.nav-menu a:hover {
    background: var(--blue-100);
    color: var(--navy-900);
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 14px;
}

.header-phone {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 700;
    color: var(--navy-900);
    text-decoration: none;
    white-space: nowrap;
    direction: ltr;
}

.header-phone:hover {
    color: var(--blue-600);
}

.nav-toggle {
    display: none;
    align-items: center;
    gap: 9px;
    height: 46px;
    padding: 0 16px;
    background: var(--navy-900);
    border: none;
    border-radius: 10px;
    color: #fff;
    font-family: inherit;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    box-shadow: var(--shadow-sm);
    transition: background 0.2s ease;
}

.nav-toggle:hover {
    background: var(--navy-700);
}

.nav-toggle-txt {
    color: #fff;
}

.nav-toggle-icon {
    display: inline-flex;
    flex-direction: column;
    justify-content: center;
    gap: 4px;
}

.nav-toggle-bar {
    display: block;
    width: 22px;
    height: 2px;
    background: #fff;
    border-radius: 2px;
    transition: transform 0.25s ease, opacity 0.25s ease;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
    transform: translateY(6px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
    opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
    transform: translateY(-6px) rotate(-45deg);
}

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
    background:
        radial-gradient(900px 420px at 85% -10%, rgba(201, 162, 39, 0.18), transparent 60%),
        linear-gradient(155deg, var(--navy-950) 0%, var(--navy-800) 100%);
    color: var(--white);
    padding: 84px 0 64px;
}

.hero-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(201, 162, 39, 0.55);
    color: var(--gold-100);
    border-radius: 999px;
    padding: 7px 18px;
    font-weight: 600;
    font-size: 0.95rem;
    margin-bottom: 22px;
}

.hero h1 {
    color: var(--white);
    font-size: clamp(1.9rem, 4.4vw, 3.1rem);
    font-weight: 800;
    max-width: 21ch;
    margin-bottom: 16px;
}

.hero h1 .gold {
    color: var(--gold-500);
}

.hero-sub {
    color: #cfdbeb;
    font-size: clamp(1.05rem, 2vw, 1.25rem);
    max-width: 62ch;
    margin-bottom: 30px;
}

.hero-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 46px;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    border-top: 1px solid rgba(255, 255, 255, 0.16);
    padding-top: 30px;
    margin: 0;
}

.hero-stats dd {
    margin: 0;
}

.hero-stat strong {
    display: block;
    color: var(--gold-500);
    font-size: clamp(1.5rem, 3vw, 2.1rem);
    font-weight: 800;
    line-height: 1.1;
}

.hero-stat span {
    color: #cfdbeb;
    font-size: 0.98rem;
}

/* --------------------------------------------------------------------------
   Trust bar
   -------------------------------------------------------------------------- */
.trust-bar {
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 22px 0;
}

.trust-items {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
    color: var(--navy-900);
    font-size: 0.98rem;
}

.trust-item .icon {
    color: var(--gold-600);
    width: 1.5em;
    height: 1.5em;
}

/* --------------------------------------------------------------------------
   Sections
   -------------------------------------------------------------------------- */
.section {
    padding: 72px 0;
}

.section-alt {
    background: var(--white);
}

.section-head {
    max-width: 720px;
    margin-bottom: 40px;
}

.section-head.centered {
    margin-inline: auto;
    text-align: center;
}

.section-tag {
    display: inline-block;
    color: var(--gold-600);
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.03em;
    margin-bottom: 8px;
}

.section-head h2 {
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 800;
}

.section-head p {
    color: var(--ink-600);
    font-size: 1.1rem;
    margin: 0;
}

.group-title {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--navy-900);
    margin: 38px 0 18px;
}

.group-title::after {
    content: "";
    flex: 1;
    height: 1px;
    background: var(--line);
}

/* --------------------------------------------------------------------------
   Service cards
   -------------------------------------------------------------------------- */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
    gap: 18px;
}

.service-card {
    display: flex;
    flex-direction: column;
    gap: 10px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-sm);
    transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.service-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold-500);
}

.service-card .card-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: var(--blue-100);
    color: var(--navy-800);
}

.service-card h3 {
    font-size: 1.15rem;
    margin: 0;
}

.service-card p {
    color: var(--ink-600);
    font-size: 0.98rem;
    margin: 0;
    flex: 1;
}

.card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    align-self: flex-start;
    background: none;
    border: none;
    padding: 6px 0;
    font: inherit;
    font-weight: 700;
    color: var(--blue-600);
    cursor: pointer;
    text-decoration: none;
}

.card-link:hover {
    color: var(--navy-900);
}

/* --------------------------------------------------------------------------
   Employers band
   -------------------------------------------------------------------------- */
.employers-band {
    background:
        radial-gradient(700px 360px at 10% 110%, rgba(201, 162, 39, 0.16), transparent 60%),
        linear-gradient(135deg, var(--navy-900), var(--navy-800));
    color: var(--white);
    border-radius: var(--radius-lg);
    padding: clamp(28px, 5vw, 56px);
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 40px;
    align-items: center;
}

.employers-band h2 {
    color: var(--white);
    font-size: clamp(1.5rem, 2.8vw, 2rem);
}

.employers-band p {
    color: #cfdbeb;
}

.check-list {
    list-style: none;
    padding: 0;
    margin: 0 0 8px;
    display: grid;
    gap: 12px;
}

.check-list li {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    color: #e8eef7;
    font-weight: 500;
}

.check-list .icon {
    color: var(--gold-500);
    margin-top: 0.25em;
}

.employers-cta-card {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: var(--radius-lg);
    padding: 28px;
    text-align: center;
}

.employers-cta-card h3 {
    color: var(--white);
    margin-bottom: 8px;
}

.employers-cta-card p {
    color: #cfdbeb;
    font-size: 0.98rem;
}

.employers-cta-card .btn {
    margin-top: 8px;
}

/* --------------------------------------------------------------------------
   About / credentials
   -------------------------------------------------------------------------- */
.about-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 44px;
    align-items: start;
}

.about-lead {
    font-size: 1.15rem;
    color: var(--ink-900);
}

.cred-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: 26px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.cred-card + .cred-card {
    margin-top: 16px;
}

.cred-card .cred-head {
    display: flex;
    align-items: center;
    gap: 14px;
}

.cred-card img {
    width: 64px;
    height: 64px;
    object-fit: contain;
    border-radius: 10px;
}

.cred-card h3 {
    margin: 0;
    font-size: 1.08rem;
}

.cred-card .gold-tag {
    color: var(--gold-600);
    font-weight: 700;
    font-size: 0.95rem;
}

.cred-card p {
    color: var(--ink-600);
    font-size: 0.96rem;
    margin: 0;
}

/* --------------------------------------------------------------------------
   Why us
   -------------------------------------------------------------------------- */
.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 18px;
}

.why-item {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 24px;
}

.why-item .icon {
    width: 1.7em;
    height: 1.7em;
    color: var(--gold-600);
    margin-bottom: 10px;
}

.why-item h3 {
    font-size: 1.1rem;
}

.why-item p {
    color: var(--ink-600);
    font-size: 0.98rem;
    margin: 0;
}

/* --------------------------------------------------------------------------
   FAQ (native <details>)
   -------------------------------------------------------------------------- */
.faq-list {
    max-width: 820px;
    margin: 0 auto;
    display: grid;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    overflow: hidden;
}

.faq-item summary {
    list-style: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    padding: 18px 22px;
    font-weight: 700;
    color: var(--navy-900);
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary .icon {
    color: var(--gold-600);
    transition: transform 0.2s ease;
}

.faq-item[open] summary .icon {
    transform: rotate(180deg);
}

.faq-item[open] summary {
    border-bottom: 1px solid var(--line);
}

.faq-answer {
    padding: 16px 22px;
    color: var(--ink-600);
}

.faq-answer p {
    margin: 0;
}

/* --------------------------------------------------------------------------
   Lead form / contact
   -------------------------------------------------------------------------- */
.lead-section {
    background:
        radial-gradient(800px 400px at 15% -20%, rgba(201, 162, 39, 0.12), transparent 60%),
        linear-gradient(160deg, var(--navy-950), var(--navy-800));
    color: var(--white);
    padding: 72px 0;
}

.lead-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 44px;
    align-items: start;
}

.lead-info h2 {
    color: var(--white);
    font-size: clamp(1.6rem, 3vw, 2.1rem);
}

.lead-info > p {
    color: #cfdbeb;
    font-size: 1.1rem;
}

.contact-lines {
    list-style: none;
    margin: 26px 0 0;
    padding: 0;
    display: grid;
    gap: 14px;
}

.contact-lines a {
    color: var(--white);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
}

.contact-lines a:hover {
    color: var(--gold-100);
}

.contact-lines .icon {
    color: var(--gold-500);
}

.contact-lines .num {
    direction: ltr;
    unicode-bidi: embed;
}

.lead-card {
    background: var(--white);
    color: var(--ink-900);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: clamp(22px, 4vw, 36px);
}

.lead-card h3 {
    font-size: 1.3rem;
    margin-bottom: 4px;
}

.lead-card .form-note {
    color: var(--ink-600);
    font-size: 0.98rem;
    margin-bottom: 20px;
}

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-weight: 700;
    margin-bottom: 6px;
    color: var(--navy-900);
}

.form-group .req {
    color: var(--error);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--line);
    border-radius: 10px;
    background: var(--white);
    font: inherit;
    color: var(--ink-900);
    min-height: 48px;
}

.form-group textarea {
    min-height: 96px;
    resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--blue-600);
    outline: 3px solid rgba(30, 90, 168, 0.18);
    outline-offset: 0;
}

.form-group input[type="tel"] {
    direction: ltr;
    text-align: right;
}

.field-error {
    display: none;
    color: var(--error);
    font-size: 0.92rem;
    margin-top: 5px;
}

.form-group.invalid input,
.form-group.invalid select {
    border-color: var(--error);
}

.form-group.invalid .field-error {
    display: block;
}

.form-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 20px;
}

.form-status {
    display: none;
    margin-top: 16px;
    padding: 14px 16px;
    border-radius: 10px;
    font-weight: 600;
}

.form-status.success {
    display: block;
    background: #e8f5ee;
    color: var(--success);
    border: 1px solid #bfe3cf;
}

.form-status.error {
    display: block;
    background: #fdecea;
    color: var(--error);
    border: 1px solid #f5c6c0;
}

.form-status a {
    color: inherit;
    font-weight: 700;
}

.hp-field {
    position: absolute;
    right: -9999px;
    width: 1px;
    height: 1px;
    opacity: 0;
}

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer {
    background: var(--navy-950);
    color: #c2cfde;
    padding: 56px 0 0;
    font-size: 0.98rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap: 36px;
    padding-bottom: 36px;
}

.site-footer h3 {
    color: var(--white);
    font-size: 1.15rem;
}

.site-footer h4 {
    color: var(--gold-500);
    font-size: 1rem;
    margin-bottom: 14px;
}

.footer-links {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 9px;
}

.footer-links a {
    color: #c2cfde;
    text-decoration: none;
}

.footer-links a:hover {
    color: var(--gold-100);
    text-decoration: underline;
}

.footer-contact {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 12px;
}

.footer-contact li,
.footer-contact a {
    display: flex;
    align-items: center;
    gap: 9px;
    color: #c2cfde;
    text-decoration: none;
}

.footer-contact a:hover {
    color: var(--gold-100);
}

.footer-contact .icon {
    color: var(--gold-500);
}

.footer-contact .num {
    direction: ltr;
    unicode-bidi: embed;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding: 20px 0;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    font-size: 0.92rem;
}

.footer-bottom a {
    color: #c2cfde;
}

/* --------------------------------------------------------------------------
   Sticky mobile CTA bar
   -------------------------------------------------------------------------- */
.mobile-cta-bar {
    position: fixed;
    bottom: 0;
    right: 0;
    left: 0;
    z-index: 1100;
    display: none;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 1px;
    background: var(--line);
    border-top: 1px solid var(--line);
    box-shadow: 0 -4px 16px rgba(12, 34, 64, 0.14);
}

.mobile-cta-bar a {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 7px;
    min-height: 56px;
    padding: 8px 4px;
    background: var(--white);
    color: var(--navy-900);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
}

.mobile-cta-bar .cta-call {
    color: var(--navy-900);
}

.mobile-cta-bar .cta-whatsapp {
    background: #1faa53;
    color: var(--white);
}

.mobile-cta-bar .cta-lead {
    background: var(--navy-900);
    color: var(--white);
}

/* --------------------------------------------------------------------------
   Legal / content pages
   -------------------------------------------------------------------------- */
.page-hero {
    background: linear-gradient(155deg, var(--navy-950), var(--navy-800));
    color: var(--white);
    padding: 56px 0;
}

.page-hero h1 {
    color: var(--white);
    font-size: clamp(1.7rem, 3.4vw, 2.4rem);
    margin-bottom: 10px;
}

.page-hero p {
    color: #cfdbeb;
    max-width: 64ch;
    margin: 0;
    font-size: 1.08rem;
}

.content-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: clamp(24px, 4vw, 44px);
    margin: 40px auto;
    max-width: 880px;
}

.content-card h2 {
    font-size: 1.4rem;
    border-bottom: 2px solid var(--gold-500);
    padding-bottom: 6px;
    margin-top: 1.6em;
}

.content-card h2:first-child {
    margin-top: 0;
}

.content-card h3 {
    font-size: 1.12rem;
}

.content-card .updated {
    color: var(--ink-400);
    font-size: 0.92rem;
    border-top: 1px solid var(--line);
    padding-top: 16px;
    margin-top: 28px;
}

.highlight-box {
    background: var(--gold-100);
    border-right: 4px solid var(--gold-500);
    border-radius: 10px;
    padding: 16px 20px;
    margin: 18px 0;
}

.highlight-box h3 {
    margin-top: 0;
}

/* --------------------------------------------------------------------------
   Steps (process)
   -------------------------------------------------------------------------- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
    counter-reset: step;
}

.step-item {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 24px;
}

.step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--navy-900);
    color: var(--gold-500);
    font-weight: 800;
    font-size: 1.1rem;
    margin-bottom: 12px;
}

.step-item h3 {
    font-size: 1.08rem;
}

.step-item p {
    color: var(--ink-600);
    font-size: 0.97rem;
    margin: 0;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
    .hero-stats {
        grid-template-columns: repeat(3, 1fr);
    }

    .trust-items {
        grid-template-columns: repeat(2, 1fr);
    }

    .employers-band,
    .about-grid,
    .lead-grid {
        grid-template-columns: 1fr;
    }

    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

@media (max-width: 860px) {
    .header-actions .btn {
        display: none;
    }

    .header-inner {
        gap: 12px;
    }

    .brand-text strong {
        font-size: 1rem;
    }

    .nav-toggle {
        display: flex;
    }

    .main-nav {
        order: 3;
    }

    .nav-menu {
        position: fixed;
        top: var(--header-h);
        right: 0;
        left: 0;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        background: var(--white);
        border-bottom: 1px solid var(--line);
        box-shadow: var(--shadow-md);
        padding: 10px 14px 16px;
        transform: translateY(-12px);
        opacity: 0;
        visibility: hidden;
        transition: transform 0.22s ease, opacity 0.22s ease, visibility 0.22s;
    }

    .nav-menu.open {
        transform: translateY(0);
        opacity: 1;
        visibility: visible;
    }

    .nav-menu a {
        padding: 14px 10px;
        font-size: 1.08rem;
        border-bottom: 1px solid var(--bg);
    }
}

@media (max-width: 640px) {
    .section {
        padding: 52px 0;
    }

    .hero {
        padding: 56px 0 44px;
    }

    .hero-ctas .btn {
        flex: 1 1 100%;
    }

    .form-actions {
        grid-template-columns: 1fr;
    }

    .steps-grid,
    .trust-items {
        grid-template-columns: 1fr;
    }

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

    .mobile-cta-bar {
        display: grid;
    }

    body {
        padding-bottom: 56px; /* room for the sticky CTA bar */
    }

    /* On phones the bottom sticky bar already offers Call — drop the header
       phone so the brand name has room and no longer wraps awkwardly */
    .header-phone {
        display: none;
    }

    .brand img {
        width: 38px;
        height: 38px;
    }

    .brand-text strong {
        font-size: 0.98rem;
    }

    .brand-text small {
        font-size: 0.8rem;
    }
}

/* --------------------------------------------------------------------------
   Reduced motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* --------------------------------------------------------------------------
   Assets-under-management band (animated counter)
   -------------------------------------------------------------------------- */
.aum-band {
    background: linear-gradient(135deg, var(--navy-950), var(--navy-900));
    color: #fff;
    padding: 60px 0;
    text-align: center;
}

.aum-kicker {
    color: var(--gold-500);
    font-weight: 700;
    letter-spacing: 0.05em;
    font-size: 1rem;
    margin: 0 0 12px;
}

.aum-figure {
    margin: 0;
    font-size: clamp(2.1rem, 6vw, 3.9rem);
    font-weight: 800;
    line-height: 1.05;
    color: #fff;
    display: inline-flex;
    align-items: baseline;
    gap: 0.4em;
    flex-wrap: wrap;
    justify-content: center;
}

.aum-figure .aum-amount {
    direction: ltr;
    unicode-bidi: isolate;
    font-variant-numeric: tabular-nums;
    color: var(--gold-500);
}

.aum-sub {
    margin: 16px auto 0;
    max-width: 660px;
    color: #cfdbeb;
    font-size: 1.05rem;
    line-height: 1.6;
}

/* --------------------------------------------------------------------------
   Partner logo wall (insurance companies & investment houses)
   -------------------------------------------------------------------------- */
.logo-wall {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
    margin-top: 30px;
}

/* Fixed, identical tiles so every logo sits in the same box (6 per row) */
.logo-tile {
    flex: 0 0 calc((100% - 5 * 14px) / 6);
    box-sizing: border-box;
    display: flex;
    align-items: center;
    justify-content: center;
    height: 96px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 16px;
    box-shadow: var(--shadow-sm);
    transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.logo-tile:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold-500);
}

/* Normalize every logo into the same bounding box (uniform height + capped width) */
.logo-tile img {
    max-height: 38px;
    max-width: 86%;
    width: auto;
    height: auto;
    object-fit: contain;
    opacity: 0.95;
    transition: opacity 0.18s ease, transform 0.18s ease;
}

.logo-tile:hover img {
    opacity: 1;
    transform: scale(1.04);
}

.logo-note {
    margin-top: 22px;
    text-align: center;
    color: var(--ink-600);
    font-size: 0.95rem;
}

/* Hero reassurance line */
.hero-note {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin: 16px 0 0;
    color: #cfdbeb;
    font-size: 0.97rem;
    font-weight: 600;
}

.hero-note .icon {
    color: var(--gold-500);
    width: 1.15em;
    height: 1.15em;
    flex-shrink: 0;
}

/* Section-level call to action */
.section-cta {
    margin-top: 40px;
    text-align: center;
}

.section-cta > p {
    color: var(--ink-600);
    font-size: 1.08rem;
    margin: 0 0 18px;
}

.section-cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    justify-content: center;
}

/* Service-area router cards (homepage hub) */
.areas-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.area-card .area-list {
    list-style: none;
    margin: 2px 0 16px;
    padding: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
}

.area-card .area-list li {
    font-size: 0.82rem;
    color: var(--ink-600);
    background: var(--bg);
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 3px 11px;
}

.area-card .btn {
    margin-top: auto;
}

/* New responsive rules (logo wall + AUM band) */
@media (max-width: 1024px) {
    .logo-tile {
        flex-basis: calc((100% - 3 * 14px) / 4);
    }
}

@media (max-width: 640px) {
    .logo-tile {
        flex-basis: calc((100% - 14px) / 2);
        height: 84px;
    }

    .aum-band {
        padding: 46px 0;
    }
}

/* --------------------------------------------------------------------------
   Navigation dropdown (תחומי שירות submenu)
   -------------------------------------------------------------------------- */
.has-submenu {
    position: relative;
}

.submenu-toggle {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 14px;
    border: none;
    border-radius: 8px;
    background: none;
    color: var(--ink-900);
    font-family: inherit;
    font-weight: 600;
    font-size: 1rem;
    white-space: nowrap;
    cursor: pointer;
    transition: background 0.2s ease, color 0.2s ease;
}

.submenu-toggle:hover {
    background: var(--bg);
    color: var(--navy-700);
}

.submenu-toggle .caret {
    width: 1em;
    height: 1em;
    transition: transform 0.2s ease;
}

.has-submenu:hover .submenu-toggle .caret,
.has-submenu:focus-within .submenu-toggle .caret,
.has-submenu.submenu-open .submenu-toggle .caret {
    transform: rotate(180deg);
}

.submenu {
    list-style: none;
    margin: 0;
    padding: 0;
}

.submenu a {
    display: block;
    padding: 11px 12px;
    border-radius: 8px;
    color: var(--ink-900);
    font-weight: 600;
    text-decoration: none;
    transition: background 0.18s ease, color 0.18s ease;
}

.submenu a:hover {
    background: var(--bg);
    color: var(--navy-700);
}

@media (min-width: 861px) {
    .submenu {
        position: absolute;
        top: calc(100% + 4px);
        right: 0;
        min-width: 256px;
        background: var(--white);
        border: 1px solid var(--line);
        border-radius: 12px;
        box-shadow: var(--shadow-md);
        padding: 8px;
        opacity: 0;
        visibility: hidden;
        transform: translateY(-8px);
        transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
        z-index: 60;
    }

    .has-submenu:hover > .submenu,
    .has-submenu:focus-within > .submenu,
    .has-submenu.submenu-open > .submenu {
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }

    .submenu a {
        white-space: nowrap;
    }
}

@media (max-width: 860px) {
    .submenu-toggle {
        width: 100%;
        justify-content: space-between;
        padding: 14px 10px;
        font-size: 1.08rem;
        border-bottom: 1px solid var(--bg);
    }

    .submenu {
        display: none;
        padding: 2px 14px 6px;
    }

    .has-submenu.submenu-open .submenu {
        display: block;
    }

    .submenu a {
        font-size: 1.02rem;
        color: var(--ink-600);
        border-bottom: 1px solid var(--bg);
    }
}