/* EquiCore Assurance Bank — polished one-pager */
:root{
  --bg:#0f1115;
  --bg-alt:#151922;
  --text:#e6e7ea;
  --muted:#a8adb7;
  --gold:#c9aa71;
  --card:#1b2030;
  --border:#252a38;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

.skip-link{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip-link:focus{left:1rem;top:1rem;width:auto;height:auto;padding:.5rem 1rem;background:#fff;color:#000;border-radius:.5rem;z-index:1000}

.container{max-width:1100px;margin:0 auto;padding:0 20px}

.site-header{
  position:sticky;top:0;z-index:10;
  background: rgba(15,17,21,0.85);
  backdrop-filter: blur(8px);
  border-bottom:1px solid var(--border);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;gap:14px;align-items:center}
.logo{display:block;width:42px;height:auto;aspect-ratio:1/1}
.brand-text h1{font-size:1.15rem;margin:0}
.brand-text .tagline{margin:2px 0 0;color:var(--muted);font-size:.9rem}
.nav a{color:var(--text);text-decoration:none;margin-left:16px}
.nav .cta{padding:8px 14px;border:1px solid var(--gold);border-radius:10px;color:var(--gold)}

.hero{padding:70px 0;background:linear-gradient(180deg, #0f1115, #121620)}
.hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:center}
.hero h2{font-size:2.2rem;margin:0 0 10px}
.hero p{color:var(--muted)}
.button{display:inline-block;background:var(--gold);color:#111;padding:12px 18px;border-radius:12px;text-decoration:none;font-weight:700;border:none;cursor:pointer}

.photo-frame{border:1px dashed var(--border);border-radius:14px;padding:14px;text-align:center;background: var(--bg-alt)}
.photo-frame img{max-width:100%;height:auto;display:block;margin:0 auto;border-radius:10px}
.photo-note{display:block;color:var(--muted);font-size:.85rem;margin-top:6px}

.section{padding:70px 0}
.section.alt{background:var(--bg-alt)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.card{
  background: var(--card);
  border:1px solid var(--border);
  border-radius:14px;
  padding:18px;
}
.bullets{padding-left:18px}
.bullets li{margin:8px 0}

.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.service-card{
  background: var(--card);
  border:1px solid var(--border);
  border-radius:14px;
  padding:18px;
  min-height:140px;
}

.contact-form{max-width:620px}
.form-row{display:flex;flex-direction:column;margin-bottom:12px}
label{font-weight:600;margin-bottom:6px}
input,textarea{
  width:100%;padding:12px;border-radius:12px;border:1px solid var(--border);
  background:#0e1219;color:var(--text);outline:none;
}
input:focus,textarea:focus{border-color:var(--gold)}
.form-footnote{color:var(--muted);font-size:.9rem}

.site-footer{border-top:1px solid var(--border);background:#0f1115}
.footer-inner{display:flex;align-items:center;justify-content:space-between;padding:20px 0}
.footer-nav a{color:var(--muted);text-decoration:none;margin-left:16px}

/* Ensure images never get stretched */
img{max-width:100%;height:auto}

@media (max-width:900px){
  .hero-inner{grid-template-columns:1fr}
  .two-col{grid-template-columns:1fr}
  .grid{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  .grid{grid-template-columns:1fr}
}