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

/* Body */
body {
    font-family: Arial, sans-serif;
    line-height: 1.6;
    color: #222;
    background: #0a2a43; /* Blue sides */
}

/* Nav */
header {
    background: #0a2a43;
    padding: 15px;
    position: sticky;
    top: 0;
    z-index: 1000;
}
header .logo {
    color: #fff;
    font-weight: bold;
    font-size: 22px;
    letter-spacing: 1px;
}
nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
}
.nav-links {
    display: none;
    flex-direction: column;
    width: 100%;
    background: #0a2a43;
}
.nav-links li { text-align: center; padding: 10px 0; }
.nav-links a {
    color: #fff;
    text-decoration: none;
    font-weight: 500;
    font-size: 16px;
    padding: 8px 12px;
    position: relative;
    transition: color 0.3s ease;
}
.nav-links a::after {
    content: "";
    position: absolute;
    width: 0; height: 2px;
    left: 50%; bottom: 0;
    background: #00aaff;
    transition: all 0.3s ease;
    transform: translateX(-50%);
}
.nav-links a:hover { color: #00aaff; }
.nav-links a:hover::after { width: 100%; }
.menu-toggle { display: block; cursor: pointer; color: #fff; font-size: 26px; }
@media (min-width: 768px) {
    .nav-links { display: flex !important; flex-direction: row; background: none; width: auto; }
    .nav-links li { padding: 0; margin-left: 20px; }
    .menu-toggle { display: none; }
}

/* Hero */
.hero {
    background: url('images/CSIG-Banner.jpg') no-repeat center center;
    background-size: cover;
    height: 80vh;
    display: block;
    margin-top: -60px;
    overflow: hidden;
    border-top: 6px solid transparent;
    border-bottom: 6px solid transparent;
    border-image: linear-gradient(135deg, #005b96, #00aaff) 1; /* gradient border */
}

/* Main content */
.content-wrapper { background: #0a2a43; padding: 0 0 40px 0; }
.content {
    max-width: 1100px;
    margin: -40px auto 0 auto;
    background: #fff;
    padding: 40px 20px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.15);
}

/* Fade-in */
.fade-section { opacity: 0; transform: translateY(30px); transition: opacity 1s ease, transform 1s ease; }
.fade-section.visible { opacity: 1; transform: translateY(0); }

/* Welcome */
.welcome {
    text-align: center;
    margin-bottom: 60px;
    padding: 10px 20px 50px 20px; /* top | sides | bottom */
    background: #fff;
    border: 6px solid transparent;
    border-radius: 12px;
    background-image: linear-gradient(#fff, #fff),
                      linear-gradient(135deg, #005b96, #00aaff);
    background-origin: border-box;
    background-clip: padding-box, border-box;
    box-shadow: 0 6px 24px rgba(0,0,0,0.1);
}

.welcome-content {
    max-width: 800px;
    margin: 0 auto;
}
.welcome-icon {
    width: 120px;
    height: auto;
    margin: 10px 0 15px 0; /* less top & bottom spacing */
    display: block;
    margin-left: auto;
    margin-right: auto;
}

.welcome-content h1 {
    font-size: 2.2rem;
    color: #0a2a43;
    margin-bottom: 15px;
    position: relative;
    display: inline-block;
}
.welcome-content h1 span { color: #005b96; }
.welcome-content h1::after {
    content: "";
    display: block;
    width: 60%;
    height: 3px;
    background: #005b96;
    margin: 10px auto 0;
    border-radius: 2px;
}
.welcome-content p {
    font-size: 1.2rem;
    margin: 20px auto 30px;
    max-width: 700px;
    color: #444;
}
.btn.btn-accent {
    background: #ff9800;
    padding: 14px 28px;
    font-size: 1.1rem;
    border-radius: 5px;
    transition: background 0.3s ease;
}
.btn.btn-accent:hover { background: #e68900; }

/* Services */
.services h2 { margin-bottom: 30px; color: #0a2a43; }
.services .service-cards {
    display: grid; grid-template-columns: 1fr; gap: 30px; margin-top: 20px;
}
.services .card {
    position: relative;
    height: 300px;
    border-radius: 6px;
    overflow: hidden;
    color: #fff;
    display: flex;
    align-items: flex-end;
    box-shadow: 0 3px 10px rgba(0,0,0,0.2);
    opacity: 0; transform: translateY(30px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}
.services .card.visible { opacity: 1; transform: translateY(0); }
.services .card .card-content {
    background: rgba(0,0,0,0.55);
    padding: 20px;
    width: 100%;
}
.services .life-card { background: url('images/life-insurance.jpg') no-repeat center/cover; }
.services .annuity-card { background: url('images/annuity.jpg') no-repeat center/cover; }
@media (min-width: 768px) {
    .services .two-column { grid-template-columns: 1fr 1fr; }
}

/* Videos */
.video-grid { display: grid; grid-template-columns: 1fr; gap: 20px; margin-top: 20px; }
.video-card {
    background: #f4f4f4; padding: 10px;
    border-radius: 6px; box-shadow: 0 2px 6px rgba(0,0,0,0.1);
}
.video-card iframe { width: 100%; height: 250px; border-radius: 6px; }
@media (min-width: 768px) { .video-grid { grid-template-columns: repeat(2, 1fr); } }

/* Why Choose Us */
.why h2 { margin-bottom: 30px; color: #0a2a43; }
.why-cards { display: grid; grid-template-columns: 1fr; gap: 20px; margin-top: 20px; }
.why-card {
    background: #f9f9f9; padding: 25px;
    border-radius: 6px; box-shadow: 0 2px 6px rgba(0,0,0,0.1);
}
.why-card h3 { margin-bottom: 10px; color: #005b96; }
@media (min-width: 768px) { .why-cards { grid-template-columns: repeat(3, 1fr); } }

/* Call-to-action */
.cta-box {
    background: #005b96; color: #fff;
    padding: 40px 20px; border-radius: 6px;
    text-align: center; box-shadow: 0 3px 10px rgba(0,0,0,0.2);
}
.cta-box h2 { margin-bottom: 15px; }
.cta-box p { margin-bottom: 20px; }
.cta-btn {
    background: #ff9800; color: #fff;
    padding: 14px 30px; font-size: 18px;
    border-radius: 5px; margin-top: 20px;
    display: inline-block; transition: background 0.3s ease;
}
.cta-btn:hover { background: #e68900; }

/* Footer */
footer { background: #0a2a43; color: #fff; text-align: center; padding: 15px; }

/* Section padding adjustments */
.services, .videos, .why { padding-top: 60px; }

/* Add spacing between Why Choose Us and Contact */
.why {
    margin-bottom: 60px;
}