/* versa.css — Shared styles for Versa Public Claims Adjusting */
/* All interior pages link to this file + versa-shared.js      */

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

:root {
    --navy:       #1A2D5A;
    --navy-dark:  #111E3D;
    --navy-light: #243666;
    --sky:        #4AB8E8;
    --sky-light:  #EAF6FD;
    --yellow:     #F5BE18;
    --orange:     #F08828;
    --red:        #D63028;
    --white:      #FFFFFF;
    --off-white:  #F5F7FA;
    --text:       #1A1A2E;
    --text-mid:   #4A5568;
    --text-light: #718096;
    --border:     #E2E8F0;
}

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

/* ── NAV ── */
nav {
    position: sticky;
    top: 0;
    z-index: 100;
    background: #fff;
    border-bottom: 1px solid var(--border);
    padding: 0 6%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}
.nav-logo-link {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-decoration: none;
    gap: 3px;
}
.nav-logo-link img { height: 44px; width: auto; }
.nav-tagline {
    font-size: 0.62rem;
    color: var(--text-light);
    font-style: italic;
    letter-spacing: 0.03em;
}
.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
}
.nav-links a {
    text-decoration: none;
    color: var(--text);
    font-weight: 500;
    font-size: 0.875rem;
    letter-spacing: 0.01em;
    transition: color 0.15s;
}
.nav-links a:hover { color: var(--sky); }
.nav-links a.active { color: var(--sky); }
.nav-links a.btn.active { color: #fff; }

/* ── NAV DROPDOWN ── */
.nav-links-text {
    text-decoration: none;
    color: var(--text);
    font-weight: 500;
    font-size: 0.875rem;
    letter-spacing: 0.01em;
    transition: color 0.15s;
    user-select: none;
}
.nav-links-text.active { color: var(--sky); }
.nav-links li { position: relative; }
.nav-dropdown-toggle {
    display: flex;
    align-items: center;
    gap: 5px;
    cursor: default;
}
.nav-dropdown-toggle::after {
    content: '';
    width: 0; height: 0;
    border-left: 4px solid transparent;
    border-right: 4px solid transparent;
    border-top: 5px solid var(--text-mid);
    transition: border-top-color 0.15s;
    flex-shrink: 0;
    margin-top: 1px;
}
.nav-links li:hover .nav-dropdown-toggle::after { border-top-color: var(--sky); }
.nav-links li:hover .nav-dropdown-toggle { color: var(--sky); }
.nav-dropdown {
    display: none;
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 8px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.10);
    min-width: 210px;
    padding: 14px 0 8px;
    z-index: 200;
}
.nav-links li:hover .nav-dropdown { display: block; }
.nav-dropdown a {
    display: block;
    padding: 9px 18px;
    font-size: 0.82rem;
    font-weight: 500;
    color: var(--text);
    white-space: nowrap;
    transition: background 0.1s, color 0.1s;
}
.nav-dropdown a:hover { background: var(--sky-light); color: var(--sky); }
.nav-dropdown a.active { color: var(--sky); font-weight: 600; }

/* ── BUTTONS ── */
.btn {
    display: inline-block;
    padding: 11px 26px;
    border-radius: 4px;
    font-weight: 600;
    font-size: 0.875rem;
    text-decoration: none;
    cursor: pointer;
    transition: all 0.2s;
    letter-spacing: 0.02em;
    border: none;
    font-family: 'Inter', sans-serif;
}
.btn-sky  { background: var(--sky);  color: #fff; }
.btn-sky:hover  { background: #38A8D8; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-dark); }
.btn-lg { padding: 14px 34px; font-size: 0.95rem; }
.hero-phone {
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
    text-decoration: none;
    transition: color 0.15s;
}
.hero-phone:hover { color: #fff; }

/* ── HERO MEDIUM (interior pages) ── */
.hero-medium {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 65%, #1E3570 100%);
    padding: 68px 6%;
    color: #fff;
}
.hero-medium-inner { max-width: 820px; }
.hero-eyebrow {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--sky);
    margin-bottom: 14px;
}
.hero-medium h1 {
    font-size: 2.3rem;
    font-weight: 800;
    line-height: 1.13;
    margin-bottom: 14px;
    letter-spacing: -0.025em;
}
.hero-medium-sub {
    font-size: 1.02rem;
    line-height: 1.72;
    color: rgba(255,255,255,0.72);
    font-weight: 300;
    max-width: 640px;
}

/* ── SHARED SECTION LABELS ── */
.section-eyebrow {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--sky);
    margin-bottom: 10px;
}
.section-title {
    font-size: 2.0rem;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.02em;
    color: var(--navy);
    margin-bottom: 24px;
}
.text-link {
    color: var(--sky);
    font-weight: 600;
    text-decoration: none;
    font-size: 0.9rem;
}
.text-link:hover { text-decoration: underline; }

/* ── CONTENT SECTIONS ── */
.content-section {
    padding: 80px 6%;
    background: #fff;
}
.content-section.alt   { background: var(--off-white); }
.content-section.dark  { background: var(--navy); color: #fff; }
.content-section.dark .section-title { color: #fff; }
.content-section.dark h2 { color: #fff; }
.content-section.dark p  { color: rgba(255,255,255,0.75); }

.content-inner      { max-width: 820px;  margin: 0 auto; }
.content-inner-wide { max-width: 1100px; margin: 0 auto; }

/* ── PROSE ── */
.prose {
    font-size: 1.0rem;
    line-height: 1.82;
    color: var(--text-mid);
    margin-bottom: 20px;
}
.prose:last-child { margin-bottom: 0; }
.prose strong { color: var(--text); font-weight: 600; }
.prose a { color: var(--sky); }
.lead {
    font-size: 1.12rem;
    line-height: 1.75;
    color: var(--text-mid);
    margin-bottom: 28px;
    font-weight: 300;
}

/* ── IN-PAGE HEADINGS ── */
.content-section h2 {
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.02em;
    margin-top: 52px;
    margin-bottom: 16px;
    line-height: 1.25;
}
.content-section h2:first-child { margin-top: 0; }
.content-section h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--navy);
    margin-top: 32px;
    margin-bottom: 10px;
}
.section-divider {
    border: none;
    border-top: 1px solid var(--border);
    margin: 48px 0;
}

/* ── CALLOUT BOX ── */
.callout-box {
    background: var(--sky-light);
    border-left: 4px solid var(--sky);
    border-radius: 0 6px 6px 0;
    padding: 18px 22px;
    margin: 24px 0;
}
.callout-box.warning {
    background: #FFF8E7;
    border-left-color: var(--orange);
}
.callout-box.alert {
    background: #FFF0EF;
    border-left-color: var(--red);
}
.callout-box p {
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--text);
    margin: 0;
}
.callout-box strong { color: var(--navy); }

/* ── PERMITTED / NOT PERMITTED GRID ── */
.permitted-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 28px 0;
}
.permitted-box {
    background: var(--off-white);
    border-radius: 8px;
    padding: 24px 26px;
    border-top: 3px solid var(--sky);
}
.permitted-box.not { border-top-color: var(--red); }
.permitted-box h4 {
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--sky);
    margin-bottom: 14px;
}
.permitted-box.not h4 { color: var(--red); }
.permitted-box ul { list-style: none; padding: 0; }
.permitted-box li {
    font-size: 0.9rem;
    color: var(--text-mid);
    padding: 8px 0;
    border-bottom: 1px solid var(--border);
    display: flex;
    gap: 10px;
    line-height: 1.5;
    align-items: flex-start;
}
.permitted-box li:last-child { border-bottom: none; }
.permitted-box li::before {
    content: '✓';
    color: var(--sky);
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px;
}
.permitted-box.not li::before { content: '✗'; color: var(--red); }

/* ── STEPS (How It Works) ── */
.steps-list { margin: 40px 0; }
.step-item {
    display: flex;
    gap: 28px;
    margin-bottom: 52px;
    align-items: flex-start;
}
.step-item:last-child { margin-bottom: 0; }
.step-num {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    background: var(--navy);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    margin-top: 2px;
}
.step-body h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
    margin-top: 6px;
}
.step-body p {
    font-size: 0.97rem;
    line-height: 1.78;
    color: var(--text-mid);
    margin-bottom: 12px;
}
.step-body p:last-child { margin-bottom: 0; }
.step-tools {
    margin-top: 12px;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}
.tool-tag {
    background: var(--sky-light);
    color: var(--navy);
    font-size: 0.72rem;
    font-weight: 600;
    padding: 4px 12px;
    border-radius: 20px;
    border: 1px solid rgba(74,184,232,0.25);
}

/* ── ACCORDION (FAQ) ── */
.accordion { margin: 32px 0; }
.acc-item { border-bottom: 1px solid var(--border); }
.acc-item:first-child { border-top: 1px solid var(--border); }
.acc-trigger {
    width: 100%;
    background: none;
    border: none;
    padding: 22px 0;
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    font-family: 'Inter', sans-serif;
    font-size: 1.0rem;
    font-weight: 600;
    color: var(--navy);
    transition: color 0.15s;
}
.acc-trigger:hover { color: var(--sky); }
.acc-trigger.open  { color: var(--sky); }
.acc-icon {
    flex-shrink: 0;
    width: 26px;
    height: 26px;
    border: 2px solid var(--border);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    color: var(--text-light);
    transition: all 0.22s;
    font-weight: 700;
}
.acc-trigger.open .acc-icon {
    background: var(--sky);
    border-color: var(--sky);
    color: #fff;
    transform: rotate(45deg);
}
.acc-body {
    display: none;
    padding-bottom: 22px;
}
.acc-body.open { display: block; }
.acc-body p {
    font-size: 0.97rem;
    line-height: 1.78;
    color: var(--text-mid);
    margin-bottom: 14px;
}
.acc-body p:last-child { margin-bottom: 0; }

/* ── CONTACT FORM ── */
.form-section { padding: 80px 6%; background: var(--off-white); }
.form-inner   { max-width: 680px; margin: 0 auto; }
.form-card {
    background: #fff;
    border-radius: 10px;
    border: 1px solid var(--border);
    padding: 48px 52px;
    box-shadow: 0 2px 20px rgba(0,0,0,0.06);
}
.form-group { margin-bottom: 22px; }
.form-group label {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 7px;
    letter-spacing: 0.01em;
}
.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid var(--border);
    border-radius: 5px;
    font-family: 'Inter', sans-serif;
    font-size: 0.93rem;
    color: var(--text);
    background: #fff;
    transition: border-color 0.15s;
    outline: none;
    appearance: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    border-color: var(--sky);
    box-shadow: 0 0 0 3px rgba(74,184,232,0.12);
}
.form-group textarea { resize: vertical; min-height: 130px; line-height: 1.6; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-submit {
    width: 100%;
    padding: 14px;
    background: var(--sky);
    color: #fff;
    border: none;
    border-radius: 5px;
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.2s;
    letter-spacing: 0.02em;
    margin-top: 6px;
}
.form-submit:hover { background: #38A8D8; }
.form-note {
    font-size: 0.75rem;
    color: var(--text-light);
    text-align: center;
    margin-top: 16px;
    line-height: 1.6;
}

/* ── OUTCOME TABLE (Case Studies) ── */
.outcome-table {
    width: 100%;
    border-collapse: collapse;
    margin: 20px 0;
    font-size: 0.9rem;
}
.outcome-table td {
    padding: 11px 14px;
    border-bottom: 1px solid var(--border);
    color: var(--text-mid);
}
.outcome-table td:first-child { color: var(--text); font-weight: 500; width: 55%; }
.outcome-table td:last-child  { text-align: right; font-weight: 600; color: var(--navy); }
.outcome-table tr:last-child td { border-bottom: none; }
.outcome-table tr.highlight td { background: var(--sky-light); }
.outcome-table tr.highlight td:last-child { color: var(--navy); font-weight: 700; }

/* ── CASE STUDY CARDS ── */
.case-study {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 40px 44px;
    margin-bottom: 32px;
}
.case-study-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 24px;
    flex-wrap: wrap;
    gap: 12px;
}
.case-study-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.01em;
}
.case-study-tags { display: flex; gap: 8px; flex-wrap: wrap; }
.case-tag {
    background: var(--sky-light);
    color: var(--navy);
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 4px 12px;
    border-radius: 20px;
}
.case-study p {
    font-size: 0.97rem;
    line-height: 1.8;
    color: var(--text-mid);
    margin-bottom: 16px;
}
.case-study p:last-child { margin-bottom: 0; }
.case-study p strong { color: var(--text); }

/* ── REVIEW CARDS ── */
.review-card {
    background: var(--off-white);
    border-radius: 10px;
    padding: 36px 40px 30px;
    margin-bottom: 20px;
}
.review-quote-mark {
    font-size: 3rem;
    font-family: Georgia, serif;
    color: var(--sky);
    line-height: 0.6;
    display: block;
    margin-bottom: 20px;
}
.review-text {
    font-size: 0.97rem;
    line-height: 1.8;
    color: var(--text-mid);
    font-style: italic;
    margin-bottom: 18px;
}
.review-author {
    font-weight: 700;
    color: var(--navy);
    font-size: 0.88rem;
}

/* ── TDI RESOURCE LINKS ── */
.resource-links { margin: 24px 0; }
.resource-link-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 16px 0;
    border-bottom: 1px solid var(--border);
    text-decoration: none;
    color: var(--text);
    transition: color 0.15s;
}
.resource-link-item:first-child { border-top: 1px solid var(--border); }
.resource-link-item:hover { color: var(--sky); }
.rl-icon { font-size: 1.1rem; }
.rl-title { font-weight: 600; font-size: 0.92rem; }
.rl-url   { font-size: 0.72rem; color: var(--text-light); margin-left: auto; }

/* ── CREDENTIAL BLOCK ── */
.credential-block {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 8px;
    padding: 30px;
}
.credential-block.light {
    background: var(--off-white);
    border-color: var(--border);
}
.credential-block h4 {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--sky);
    margin-bottom: 18px;
}
.credential-block.light h4 { color: var(--navy); }
.credential-list { list-style: none; }
.credential-list li {
    font-size: 0.88rem;
    color: rgba(255,255,255,0.75);
    padding: 11px 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    display: flex;
    align-items: center;
    gap: 12px;
}
.credential-block.light .credential-list li {
    color: var(--text-mid);
    border-bottom-color: var(--border);
}
.credential-list li:last-child { border-bottom: none; }
.credential-list li::before {
    content: '';
    width: 5px; height: 5px;
    background: var(--sky);
    border-radius: 50%;
    flex-shrink: 0;
}

/* ── SERVICE AREA PILLS ── */
.service-area-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 10px;
    margin: 24px 0;
}
.city-pill {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-radius: 6px;
    padding: 10px 14px;
    font-size: 0.82rem;
    color: var(--text-mid);
    text-align: center;
}

/* ── DISCLAIMER / FINE PRINT ── */
.page-disclaimer {
    font-size: 0.8rem;
    color: var(--text-light);
    font-style: italic;
    padding: 18px 0 0;
    border-top: 1px solid var(--border);
    margin-top: 52px;
    line-height: 1.6;
}

/* ── BOTTOM CTA ── */
.bottom-cta {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 96px 6%;
    text-align: center;
    color: #fff;
}
.bottom-cta h2 {
    font-size: 2.1rem;
    font-weight: 700;
    letter-spacing: -0.02em;
    margin-bottom: 16px;
}
.bottom-cta p {
    font-size: 1rem;
    color: rgba(255,255,255,0.7);
    max-width: 540px;
    margin: 0 auto 40px;
    line-height: 1.75;
    font-weight: 300;
}
.cta-row { display: flex; justify-content: center; align-items: center; gap: 28px; flex-wrap: wrap; }

/* ── FOOTER ── */
footer {
    background: var(--off-white);
    border-top: 1px solid var(--border);
    padding: 52px 6%;
    color: var(--text-light);
}
.footer-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 48px;
}
.footer-brand { display: flex; flex-direction: column; align-items: center; }
.footer-logo { margin-bottom: 8px; }
.footer-logo img { height: 32px; width: auto; }
.footer-tagline { font-size: 0.75rem; font-style: italic; color: var(--text-light); text-align: center; }
.footer-info { font-size: 0.78rem; line-height: 2.1; color: var(--text-mid); }
.footer-info strong { color: var(--navy); }
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a {
    color: var(--text-light);
    text-decoration: none;
    font-size: 0.78rem;
    transition: color 0.15s;
}
.footer-links a:hover { color: var(--sky); }
.footer-bottom {
    max-width: 1100px;
    margin: 36px auto 0;
    padding-top: 24px;
    border-top: 1px solid var(--border);
    font-size: 0.7rem;
    color: var(--text-light);
}

/* ── MEDIA QUERIES ── */
@media (max-width: 900px) {
    nav { padding: 0 5%; }
    .hero-medium { padding: 48px 5%; }
    .hero-medium h1 { font-size: 1.8rem; }
    .content-section { padding: 60px 5%; }
    .bottom-cta { padding: 72px 5%; }
    .bottom-cta h2 { font-size: 1.75rem; }
    .permitted-grid { grid-template-columns: 1fr; }
    .service-area-grid { grid-template-columns: repeat(3, 1fr); }
    .form-row { grid-template-columns: 1fr; }
    .case-study { padding: 28px 24px; }
    .form-card { padding: 32px 28px; }
    .footer-inner { flex-direction: column; gap: 28px; }
    .step-item { gap: 20px; }
}
@media (max-width: 640px) {
    .nav-links li:not(:last-child) { display: none; }
    .service-area-grid { grid-template-columns: repeat(2, 1fr); }
    .step-item { flex-direction: column; gap: 12px; }
    .hero-medium h1 { font-size: 1.55rem; }
}