/* ============================================================
   NOLA Insurance — DESIGN 2 · FULL-SCREEN EDITORIAL layout
   Overlay nav · side progress dots · full-viewport panels ·
   zigzag rows · numbered steps · static grid · masonry
   ============================================================ */
:root{
  --bg:#0a0b0f; --bg-2:#0f1117; --panel:#14161e; --panel-2:#1a1d27;
  --ink:#f4f6fb; --body:#a6adbd; --muted:#6f7789;
  --line:#242835;
  --lime:#c7f042; --lime-2:#a8e00f; --cyan:#38e1c6;
  --grad:linear-gradient(105deg,#c7f042 0%,#38e1c6 100%);
  --radius:16px; --radius-lg:24px;
  --shadow:0 20px 50px rgba(0,0,0,.45);
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --display:"Space Grotesk","Inter",sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--sans);color:var(--body);background:var(--bg);line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:var(--lime);transition:color .2s ease,opacity .2s ease}
ul,ol{list-style:none}
img,svg{display:block;max-width:100%}
h1,h2,h3,h4{color:var(--ink);line-height:1.06;letter-spacing:-.02em;font-family:var(--display)}
h1{font-weight:700;font-size:clamp(2.8rem,7vw,6rem)}
h2{font-weight:700;font-size:clamp(2rem,4.5vw,3.6rem)}
h3{font-size:1.2rem;font-weight:600}
p{margin:0 0 1rem}
.grad{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{display:inline-block;font-family:var(--display);font-size:.82rem;font-weight:600;letter-spacing:.08em;color:var(--lime);margin-bottom:1rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;font-family:var(--display);font-size:.98rem;font-weight:600;padding:.9rem 1.7rem;border-radius:999px;border:1.5px solid transparent;cursor:pointer;transition:transform .16s var(--ease),box-shadow .25s ease,background .2s ease,color .2s ease}
.btn:active{transform:translateY(1px)}
.btn-sm{padding:.6rem 1.2rem;font-size:.9rem}
.btn-primary{background:var(--lime);color:#0a0b0f}
.btn-primary:hover{background:var(--lime-2);color:#0a0b0f;transform:translateY(-2px);box-shadow:0 14px 34px rgba(199,240,66,.35)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--lime);color:var(--lime)}
.btn-full{width:100%}

/* Switcher */
.switcher{position:fixed;right:16px;bottom:16px;z-index:300;display:flex;align-items:center;gap:6px;background:var(--panel-2);border:1px solid var(--line);color:#fff;padding:8px 10px;border-radius:999px;box-shadow:var(--shadow)}
.switcher-label{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-right:2px}
.sw{width:30px;height:30px;display:grid;place-items:center;border-radius:50%;color:var(--body);font-weight:700;font-size:.9rem}
.sw:hover{background:rgba(255,255,255,.08);color:#fff}
.sw.active{background:var(--lime);color:#0a0b0f}

/* Overlay nav (transparent, floats over hero) */
.nav{position:fixed;top:0;left:0;right:0;z-index:120;display:flex;align-items:center;gap:1.5rem;padding:1.3rem clamp(1.5rem,4vw,3.5rem);transition:background .3s,padding .3s,border-color .3s;border-bottom:1px solid transparent}
.nav.scrolled{background:rgba(10,11,15,.82);backdrop-filter:blur(14px);border-color:var(--line);padding-top:.9rem;padding-bottom:.9rem}
.logo{display:flex;align-items:center;gap:.55rem;color:var(--ink)}
.logo img{border-radius:8px}
.logo-text{font-family:var(--display);font-weight:700;font-size:1.15rem}
.logo-dim{color:var(--lime)}
.menu{display:flex;gap:1.6rem;margin-left:auto}
.menu a{color:var(--body);font-weight:500;font-size:.95rem}
.menu a:hover{color:var(--ink)}
.nav>.btn-primary{margin-left:1rem}
.lang-toggle{display:inline-flex;align-items:center;gap:.4rem;margin-left:1.5rem;background:var(--panel);border:1px solid var(--line);color:var(--body);font-family:var(--display);font-weight:600;font-size:.85rem;line-height:1;padding:.5rem .9rem;border-radius:999px;cursor:pointer;transition:.2s;white-space:nowrap}
.lang-toggle svg{width:15px;height:15px;flex:none}
.lang-label{line-height:1;white-space:nowrap}
.lang-toggle:hover{border-color:var(--lime);color:var(--lime)}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px;margin-left:auto}
.nav-toggle span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.25s}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Side progress dots */
.dots{position:fixed;right:22px;top:50%;transform:translateY(-50%);z-index:110;display:flex;flex-direction:column;gap:.9rem}
.dots a{width:11px;height:11px;border-radius:50%;background:var(--line);position:relative;transition:.2s}
.dots a::after{content:attr(data-label);position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:.72rem;color:var(--body);background:var(--panel-2);border:1px solid var(--line);padding:.2rem .55rem;border-radius:6px;white-space:nowrap;opacity:0;pointer-events:none;transition:.2s}
.dots a:hover{background:var(--body)}
.dots a:hover::after{opacity:1}
.dots a.active{background:var(--lime);transform:scale(1.3)}

/* ===== FULL-VIEWPORT PANELS ===== */
.panel{position:relative;min-height:100vh;display:flex;flex-direction:column;justify-content:center;padding:7rem clamp(1.5rem,5vw,6rem) 5rem}
.sec-head{max-width:46rem;margin-bottom:3rem}
.sec-sub{color:var(--body);font-size:1.05rem;margin-top:.3rem}

/* HERO */
.hero{align-items:flex-start;text-align:left;overflow:hidden}
.hero-glow{position:absolute;top:-20%;right:-10%;width:900px;height:800px;background:radial-gradient(circle at 60% 40%,rgba(56,225,198,.16),transparent 55%),radial-gradient(circle at 40% 60%,rgba(199,240,66,.14),transparent 55%);filter:blur(30px);pointer-events:none}
.hero-inner{position:relative;max-width:56rem}
.chip{display:inline-flex;align-items:center;gap:.5rem;font-size:.85rem;font-weight:500;color:var(--body);background:var(--panel);border:1px solid var(--line);padding:.45rem 1rem;border-radius:999px;margin-bottom:1.8rem}
.chip .dot{width:8px;height:8px;border-radius:50%;background:var(--lime);box-shadow:0 0 10px var(--lime)}
.hero h1{margin-bottom:1.5rem}
.lede{font-size:1.2rem;color:var(--body);max-width:40rem;margin-bottom:2rem}
.lede strong{color:var(--ink)}
.hero-cta{display:flex;gap:.8rem;flex-wrap:wrap}
.hero-ticker{position:absolute;left:0;right:0;bottom:0;display:flex;gap:0;border-top:1px solid var(--line);background:rgba(15,17,23,.6)}
.hero-ticker div{flex:1;padding:1.3rem clamp(1.5rem,5vw,6rem);font-size:.85rem;color:var(--muted);border-right:1px solid var(--line)}
.hero-ticker div:last-child{border-right:0}
.hero-ticker b{display:block;font-family:var(--display);font-size:1.5rem;color:var(--ink)}
.scroll-cue{position:absolute;bottom:6.5rem;left:50%;transform:translateX(-50%);width:26px;height:42px;border:2px solid var(--line);border-radius:14px;display:none}
@media(min-width:900px){.scroll-cue{display:block}}
.scroll-cue span{position:absolute;left:50%;top:8px;width:4px;height:8px;border-radius:2px;background:var(--lime);transform:translateX(-50%);animation:cue 1.5s ease infinite}
@keyframes cue{0%{opacity:0;top:8px}40%{opacity:1}100%{opacity:0;top:22px}}

/* ZIGZAG rows */
.zig-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:4rem;align-items:center;width:100%;max-width:1200px;margin:0 auto}
.zig-rev .zig-inner{grid-template-columns:.8fr 1.2fr}
.sec-index{display:block;font-family:var(--display);font-size:5rem;font-weight:700;line-height:1;color:var(--panel-2);-webkit-text-stroke:1px var(--line);margin-bottom:.5rem}
.zig-text p{font-size:1.08rem}
.zig-links{display:flex;gap:.7rem;margin-top:1.4rem;flex-wrap:wrap}
.zig-aside .quote-block{font-family:var(--display);font-size:1.9rem;font-weight:600;line-height:1.3;color:var(--ink);border-left:3px solid var(--lime);padding-left:1.3rem;margin-bottom:1.6rem}
.mini-card{display:flex;align-items:center;gap:.8rem;background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:.9rem 1rem}
.mini-card img{border-radius:9px}
.mini-card strong{display:block;color:var(--ink);font-size:.92rem}
.mini-card span{font-size:.8rem;color:var(--muted)}
.zig-note{font-size:1.1rem;color:var(--body);margin-top:.5rem}
.why-list li{display:flex;gap:1.4rem;padding:1.5rem 0;border-top:1px solid var(--line)}
.why-list li:first-child{border-top:0}
.why-list b{font-family:var(--display);font-size:1.6rem;font-weight:700;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;flex-shrink:0}
.why-list h3{color:var(--ink);margin-bottom:.3rem}
.why-list p{margin:0;font-size:.95rem}

/* COVERAGE — numbered steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;align-items:start}
.step{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-lg);padding:2.2rem;position:relative;transition:transform .2s var(--ease),border-color .2s}
.step:hover{transform:translateY(-5px);border-color:var(--lime)}
.step-hot{background:linear-gradient(165deg,var(--panel-2),var(--panel))}
.step-n{position:absolute;top:1.5rem;right:1.7rem;font-family:var(--display);font-size:1.4rem;font-weight:700;color:var(--line)}
.step-ico{width:56px;height:56px;border-radius:14px;background:rgba(199,240,66,.12);color:var(--lime);display:grid;place-items:center;margin-bottom:1.2rem}
.step-ico svg{width:28px;height:28px}
.step h3{font-family:var(--display);font-size:1.45rem;color:var(--ink);margin-bottom:.5rem}
.tags{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:1.1rem}
.tags li{font-size:.78rem;background:var(--bg-2);border:1px solid var(--line);color:var(--body);padding:.26rem .7rem;border-radius:999px}

/* CARRIERS — static grid on white chips */
.carrier-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}
.logo-tile{display:grid;place-items:center;height:88px;background:#fff;border-radius:14px;border:1px solid var(--line);padding:1rem 1.2rem;box-shadow:0 6px 18px rgba(0,0,0,.28);transition:.2s}
.logo-tile:hover{transform:translateY(-4px);box-shadow:0 12px 26px rgba(0,0,0,.4)}
.logo-tile img{max-height:42px;width:auto;object-fit:contain}

/* STORIES — masonry (CSS columns) */
.rating-summary{margin-top:.6rem;color:var(--body);font-size:.95rem}
.rating-summary .rs-stars{color:var(--lime)}
.rating-summary strong{color:var(--ink)}
.masonry{columns:2;column-gap:1.4rem}
.masonry .quote{break-inside:avoid;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.7rem;margin-bottom:1.4rem}
.quote .stars{color:var(--lime);margin-bottom:.7rem}
.quote blockquote{font-size:.98rem;color:var(--body);margin-bottom:1.1rem}
.quote figcaption{display:flex;align-items:center;gap:.7rem}
.quote figcaption img{width:42px;height:42px;border-radius:50%;object-fit:cover}
.quote figcaption strong{display:block;color:var(--ink);font-size:.9rem}
.quote figcaption em{font-style:normal;font-size:.8rem;color:var(--muted)}

/* FAQ */
.faq-list{max-width:60rem}
.faq-item{border-top:1px solid var(--line)}
.faq-item:last-child{border-bottom:1px solid var(--line)}
.faq-item summary{cursor:pointer;list-style:none;padding:1.5rem 0;font-weight:600;font-family:var(--display);font-size:1.15rem;color:var(--ink);display:flex;align-items:center;gap:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.fq-n{font-size:.85rem;color:var(--lime);font-weight:700;flex-shrink:0}
.faq-item summary::after{content:"+";margin-left:auto;font-size:1.5rem;color:var(--lime);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item p{padding:0 0 1.5rem 2.6rem;margin:0;font-size:.98rem;max-width:52rem}

/* CONTACT */
.contact{overflow:hidden}
.contact-glow{position:absolute;inset:0;background:radial-gradient(circle at 70% 30%,rgba(199,240,66,.1),transparent 55%);pointer-events:none}
.contact-inner{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:3.5rem;align-items:start;width:100%;max-width:1150px;margin:0 auto}
.contact-lead p{font-size:1.08rem}
.contact-list{margin-top:1.6rem}
.contact-list li{padding:1rem 0;border-top:1px solid var(--line)}
.ci-label{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:.2rem}
.contact-list a{color:var(--ink);font-weight:600}
.contact-list a:hover{color:var(--lime)}
.form{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-lg);padding:2rem}
.field{margin-bottom:1.1rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--body);margin-bottom:.35rem}
.field input,.field select,.field textarea{width:100%;font-family:inherit;font-size:.95rem;padding:.8rem .9rem;border:1.5px solid var(--line);border-radius:10px;background:var(--bg-2);color:var(--ink);transition:border-color .2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--lime)}
.field select option,.field select optgroup{background:var(--bg-2);color:var(--ink)}
.form-note{margin-top:.8rem;font-size:.9rem;color:var(--lime);text-align:center}
.footer{position:relative;margin-top:3rem;padding-top:1.6rem;border-top:1px solid var(--line);display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;font-size:.82rem;color:var(--muted);width:100%;max-width:1150px;margin-left:auto;margin-right:auto}
.footer p{margin:0}

/* Reveal */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
  .reveal.in{opacity:1;transform:none}
}

/* ===== Responsive ===== */
@media (max-width:960px){
  .dots{display:none}
  .menu{position:fixed;inset:0 0 auto 0;top:0;flex-direction:column;background:var(--bg-2);padding:5rem 1.5rem 2rem;gap:.4rem;transform:translateY(-120%);transition:transform .3s var(--ease);border-bottom:1px solid var(--line)}
  .menu.open{transform:none}
  .menu a{padding:.6rem 0;font-size:1.1rem}
  .nav>.btn-primary{display:none}
  .nav-toggle{display:flex}
  /* Tighten the language pill on mobile so the 中文 label sits on one line
     and the button doesn't crowd the hamburger. */
  .menu{margin-left:0}
  .lang-toggle{margin-left:auto;padding:.45rem .8rem}
  /* Hero CTAs: stack full-width with a clear gap so the two buttons don't
     sit cramped against each other on small screens. */
  .hero-cta{gap:1rem}
  .hero-cta .btn{width:100%}
  .panel{min-height:auto;padding:5rem clamp(1.3rem,5vw,3rem) 4rem}
  .hero{min-height:100vh}
  .zig-inner,.zig-rev .zig-inner{grid-template-columns:1fr;gap:2.5rem}
  .steps{grid-template-columns:1fr}
  .carrier-grid{grid-template-columns:repeat(3,1fr)}
  .masonry{columns:1}
  .contact-inner{grid-template-columns:1fr}
  /* Ticker flows under the CTAs on mobile — add a gap so it doesn't sit
     flush against the Call button above it. */
  .hero-ticker{position:static;flex-wrap:wrap;margin-top:2.5rem}
  .hero-ticker div{flex:1 1 45%;border-bottom:1px solid var(--line)}
}
@media (max-width:520px){
  .carrier-grid{grid-template-columns:repeat(2,1fr)}
  .hero-ticker div{flex:1 1 100%}
  .faq-item p{padding-left:0}
}