/* ===========================
   POLICYRAJ – style.css
   =========================== */

:root {
  --primary: #1E3A8A;
  --primary-dark: #102770;
  --secondary: #e63946;
  --accent: #f4a261;
  --cta-gold: #B45309;
  --cta-gold-light: #D97706;
  --gradient: linear-gradient(135deg, #1E3A8A 0%, #4338ca 100%);
  --gradient-gold: linear-gradient(135deg, #92400E 0%, #B45309 40%, #F59E0B 100%);
  --gradient-hero: linear-gradient(150deg, #05070f 0%, #0c1c4e 55%, #16357f 100%);
  --gradient-soft: linear-gradient(135deg, #eef2ff 0%, #e8efff 100%);
  --white: #ffffff;
  --off-white: #fbfbfd;
  --gray-light: #f5f5f7;
  --gray: #8896a5;
  --gray-dark: #3d4f65;
  --text: #0F172A;
  --text-light: #475569;
  --border: #dde3ee;
  --shadow: 0 1px 2px rgba(15, 23, 42, 0.05), 0 8px 28px rgba(26, 60, 143, 0.09);
  --shadow-hover: 0 2px 8px rgba(15, 23, 42, 0.06), 0 24px 56px rgba(26, 60, 143, 0.18);
  --shadow-gold: 0 8px 32px rgba(180, 83, 9, 0.35);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.25s ease;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'IBM Plex Sans', 'Inter', sans-serif;
  color: var(--text);
  background: var(--off-white);
  line-height: 1.65;
  overflow-x: hidden;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* ── TYPOGRAPHY ── */
h1 { font-family: 'Poppins', sans-serif; font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.15; }
h2 { font-family: 'Poppins', sans-serif; font-size: clamp(1.5rem, 3.5vw, 2.2rem); font-weight: 700; line-height: 1.2; }
h3 { font-size: 1.3rem; font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 600; }

.gradient-text {
  background: var(--gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── BUTTONS ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gradient-gold);
  color: #fff;
  border: none;
  border-radius: 50px;
  padding: 14px 32px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  box-shadow: var(--shadow-gold);
  position: relative;
  overflow: hidden;
  letter-spacing: 0.3px;
}
.btn-primary::after {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 55%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.28), transparent);
  transform: skewX(-18deg);
  transition: left 0.55s ease;
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 12px 36px rgba(180,83,9,0.5); }
.btn-primary:hover::after { left: 160%; }
.btn-primary:active { transform: translateY(1px) scale(0.98); }

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  border-radius: 50px;
  padding: 12px 30px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}
.btn-outline:hover { background: var(--primary); color: #fff; }

.full-width { width: 100%; justify-content: center; }

/* ── TOP BAR ── */
.topbar {
  background: var(--primary-dark);
  color: #b8c8f0;
  font-size: 0.82rem;
  padding: 8px 0;
}
.topbar-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.topbar i { margin-right: 5px; color: var(--accent); }
.topbar-right { margin-left: auto; display: flex; align-items: center; gap: 20px; }
.topbar-right a { color: #b8c8f0; transition: var(--transition); }
.topbar-right a:hover { color: #fff; }
.btn-top {
  background: var(--secondary);
  color: #fff !important;
  padding: 5px 16px;
  border-radius: 50px;
  font-weight: 600;
}
.topbar-ai-link {
  display: inline-flex; align-items: center; gap: 5px;
  background: rgba(6,182,212,0.18); border: 1px solid rgba(6,182,212,0.40);
  color: #67E8F9 !important; padding: 4px 12px; border-radius: 99px;
  font-weight: 700; font-size: 0.78rem; transition: background 0.2s;
}
.topbar-ai-link:hover { background: rgba(6,182,212,0.32) !important; color: #fff !important; }

/* ── NAVBAR ── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 1px solid #e8ecf3;
  padding: 0;
  transition: box-shadow 0.3s ease;
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(30,58,138,0.10);
}

.nav-inner {
  display: flex;
  align-items: center;
  height: 64px;
  gap: 0;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  margin-right: 18px;
  text-decoration: none;
}
.logo-img { height: 48px; width: auto; display: block; }

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
  flex: 1;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links > li > a,
.nav-dropdown-trigger {
  display: flex;
  align-items: center;
  gap: 4px;
  font-weight: 500;
  color: #374151;
  font-size: 0.84rem;
  padding: 8px 10px;
  border-radius: 6px;
  transition: color 0.18s ease, background 0.18s ease;
  white-space: nowrap;
  text-decoration: none;
  font-family: 'IBM Plex Sans', sans-serif;
}
.nav-links > li > a:hover,
.nav-dropdown-trigger:hover,
.nav-links > li > a.active { color: var(--primary); background: #F0F4FF; }
.nav-dropdown.open .nav-dropdown-trigger { color: var(--primary); background: #F0F4FF; }
.nav-chevron { font-size: 0.6rem; opacity: 0.5; transition: transform 0.2s ease; }
.nav-dropdown.open .nav-chevron { transform: rotate(180deg); opacity: 0.8; }

/* CTA area */
.nav-cta {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-left: auto;
  flex-shrink: 0;
  padding-left: 8px;
}
.btn-nav-call {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.83rem;
  font-weight: 500;
  color: var(--primary);
  text-decoration: none;
  padding: 7px 12px;
  border-radius: 6px;
  border: 1.5px solid var(--border);
  transition: border-color 0.18s ease, color 0.18s ease, background 0.18s ease;
  white-space: nowrap;
}
.btn-nav-call:hover { border-color: var(--primary); background: #F0F4FF; }

.btn-nav-quote {
  background: var(--primary);
  color: #fff;
  border: none;
  padding: 7px 14px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: background 0.18s ease, box-shadow 0.18s ease;
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-nav-quote:hover { background: var(--primary-dark); box-shadow: 0 4px 14px rgba(30,58,138,0.28); }
.hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 1.4rem;
  color: var(--primary);
  cursor: pointer;
  margin-left: auto;
  padding: 8px;
}

/* ── HERO ── */
.hero {
  position: relative;
  background: var(--gradient-soft);
  padding: 100px 0 80px;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
}
.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; }
.shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.12;
}
.shape1 {
  width: 500px; height: 500px;
  background: var(--primary);
  top: -100px; right: -100px;
}
.shape2 {
  width: 300px; height: 300px;
  background: var(--secondary);
  bottom: -80px; left: 10%;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-badge {
  display: inline-block;
  background: rgba(26,60,143,0.1);
  color: var(--primary);
  border: 1px solid rgba(26,60,143,0.2);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
}
.hero-text h1 { margin-bottom: 20px; }
.hero-text p { color: var(--text-light); font-size: 1.05rem; margin-bottom: 32px; max-width: 460px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex;
  gap: 40px;
  border-top: 1px solid var(--border);
  padding-top: 28px;
}
.stat strong { display: block; font-size: 1.8rem; font-weight: 800; color: var(--primary); }
.stat span { font-size: 0.82rem; color: var(--text-light); }

/* Hero cards — legacy (kept for other references) */
.insurance-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  box-shadow: var(--shadow);
  border-left: 4px solid transparent;
  transition: var(--transition);
}
.insurance-card:hover { transform: translateX(4px); box-shadow: var(--shadow-hover); }
.insurance-card.health { border-color: #e63946; }
.insurance-card.life { border-color: #1a3c8f; }
.insurance-card.motor { border-color: #f4a261; }
.insurance-card i { font-size: 1.8rem; width: 40px; text-align: center; }
.insurance-card.health i { color: #e63946; }
.insurance-card.life i { color: #1a3c8f; }
.insurance-card.motor i { color: #f4a261; }
.insurance-card div { flex: 1; }
.insurance-card strong { display: block; font-size: 1rem; font-weight: 700; }
.insurance-card span { font-size: 0.82rem; color: var(--text-light); }
.insurance-card button {
  background: var(--gradient);
  color: #fff;
  border: none;
  padding: 8px 18px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: var(--transition);
}
.insurance-card button:hover { transform: scale(1.05); }

/* ── HERO 3D INSURANCE CARDS ── */
.hero-card-stack {
  display: flex;
  flex-direction: column;
  gap: 14px;
  perspective: 1000px;
}
.ins-3d-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  border-radius: 18px;
  text-decoration: none;
  position: relative;
  overflow: hidden;
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.13);
  transform-style: preserve-3d;
  transition: transform 0.35s cubic-bezier(0.34,1.56,0.64,1), box-shadow 0.3s ease, background 0.3s ease;
  cursor: pointer;
}
/* top accent line */
.ins-3d-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--c-accent);
  border-radius: 18px 18px 0 0;
}
/* inner highlight shimmer */
.ins-3d-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 48%;
  background: linear-gradient(180deg, rgba(255,255,255,0.07) 0%, transparent 100%);
  pointer-events: none;
  border-radius: 18px 18px 0 0;
}
.ins-3d-card:hover {
  transform: perspective(800px) rotateX(-4deg) rotateY(2deg) translateY(-7px);
  background: rgba(255,255,255,0.12);
  box-shadow: 0 24px 56px rgba(0,0,0,0.32), 0 0 0 1px rgba(255,255,255,0.18), 0 0 48px var(--c-glow);
}

/* Per-card colour tokens */
.ins-3d-card--health  { --c-accent: #f87171; --c-glow: rgba(248,113,113,0.22); --c-icon-bg: rgba(239,68,68,0.15); --c-icon: #fca5a5; }
.ins-3d-card--life    { --c-accent: #60a5fa; --c-glow: rgba(96,165,250,0.22);  --c-icon-bg: rgba(59,130,246,0.15);  --c-icon: #93c5fd; }
.ins-3d-card--motor   { --c-accent: #fb923c; --c-glow: rgba(251,146,60,0.22);  --c-icon-bg: rgba(234,88,12,0.15);   --c-icon: #fdba74; }

/* Icon badge */
.ins-card-icon-wrap {
  width: 50px; height: 50px;
  border-radius: 14px;
  background: var(--c-icon-bg);
  border: 1px solid rgba(255,255,255,0.10);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem;
  color: var(--c-icon);
  flex-shrink: 0;
  position: relative;
  z-index: 1;
  transition: transform 0.3s ease;
}
.ins-3d-card:hover .ins-card-icon-wrap { transform: scale(1.08) translateZ(8px); }

/* Text */
.ins-card-body { flex: 1; position: relative; z-index: 1; }
.ins-card-body strong {
  display: block;
  color: #fff;
  font-size: 0.97rem;
  font-weight: 700;
  letter-spacing: 0.01em;
}
.ins-card-body span {
  font-size: 0.79rem;
  color: rgba(255,255,255,0.5);
  margin-top: 2px;
  display: block;
}

/* Arrow badge */
.ins-card-arrow {
  width: 36px; height: 36px;
  border-radius: 10px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.13);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5);
  font-size: 0.78rem;
  flex-shrink: 0;
  position: relative; z-index: 1;
  transition: background 0.22s ease, color 0.22s ease, transform 0.22s ease;
}
.ins-3d-card:hover .ins-card-arrow {
  background: var(--c-icon-bg);
  color: var(--c-icon);
  border-color: rgba(255,255,255,0.2);
  transform: translateX(3px);
}

/* ── SECTION HEADERS ── */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header p { color: var(--text-light); font-size: 1rem; margin-top: 10px; }
.section-eyebrow {
  display: inline-block;
  color: var(--secondary);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

/* ── CATEGORY SECTION ── */
.category-section {
  padding: 80px 0;
  background: var(--white);
}
.category-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 40px;
}
.cat-tab {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  border: 2px solid var(--border);
  background: var(--white);
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--text-light);
  transition: var(--transition);
}
.cat-tab:hover { border-color: var(--primary); color: var(--primary); }
.cat-tab.active {
  background: var(--gradient);
  border-color: transparent;
  color: #fff;
}

/* Tab content */
.tab-content { display: none; }
.tab-content.active { display: block; }

.tab-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.tab-form h3 { margin-bottom: 24px; color: var(--primary); }
.form-row { margin-bottom: 20px; }
.form-row label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--gray-dark); margin-bottom: 8px; }
.form-row input,
.form-row select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 16px;
  font-family: inherit;
  color: var(--text);
  transition: var(--transition);
  background: #fff;
}
.form-row input:focus,
.form-row select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,60,143,0.1); }

.member-btns { display: flex; gap: 8px; flex-wrap: wrap; }
.member-btn {
  padding: 7px 16px;
  border: 1.5px solid var(--border);
  background: #fff;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
  color: var(--gray-dark);
  display: flex;
  align-items: center;
  gap: 6px;
}
.member-btn.active, .member-btn:hover {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
}

.tab-info { padding: 8px; }
.tab-info h4 { color: var(--primary); margin-bottom: 20px; font-size: 1.1rem; }
.tab-info ul { display: flex; flex-direction: column; gap: 14px; }
.tab-info li { display: flex; align-items: center; gap: 12px; color: var(--text-light); font-size: 0.95rem; }
.tab-info i { color: #22c55e; font-size: 1rem; flex-shrink: 0; }

/* ── SERVICES ── */
.services-section {
  padding: 80px 0;
  background: var(--off-white);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.service-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  box-shadow: var(--shadow);
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gradient);
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: left;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.service-card:hover::after { transform: scaleX(1); }

.service-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
}
.life-icon { background: #eef2ff; color: #1a3c8f; }
.health-icon { background: #fee2e2; color: #e63946; }
.motor-icon { background: #fff7ed; color: #f4a261; }
.group-icon { background: #f0fdf4; color: #16a34a; }
.event-icon { background: #fdf4ff; color: #a21caf; }
.doctor-icon { background: #eff6ff; color: #2563eb; }
.accident-icon { background: #fef2f2; color: #dc2626; }
.worker-icon { background: #fefce8; color: #ca8a04; }
.invest-icon { background: #f0fdf4; color: #15803d; }
.travel-icon { background: #ecfeff; color: #0891b2; }
.marine-icon { background: #eff6ff; color: #1d4ed8; }
.home-icon { background: #fff7ed; color: #ea580c; }

.service-card h4 { margin-bottom: 8px; }
.service-card p { font-size: 0.85rem; color: var(--text-light); margin-bottom: 16px; line-height: 1.5; }
.service-link { font-size: 0.85rem; font-weight: 600; color: var(--primary); display: flex; align-items: center; gap: 6px; }

/* ── WHY SECTION ── */
.why-section {
  padding: 80px 0;
  background: var(--white);
}
.insurance-details-section {
  padding: 80px 0;
  background: #edf3ff;
}
.accordion-grid {
  display: grid;
  gap: 18px;
}
.accordion-card {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.accordion-card summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 24px;
  font-weight: 700;
  color: var(--primary);
}
.accordion-card summary small {
  color: var(--text-light);
  font-weight: 500;
  font-size: 0.95rem;
}
.accordion-card summary::-webkit-details-marker {
  display: none;
}
.accordion-card summary::after {
  content: '+';
  font-size: 1.3rem;
  color: var(--secondary);
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
}
.accordion-card[open] summary::after {
  content: '-';
}
.accordion-card .accordion-content {
  padding: 0 24px 24px;
  color: var(--text-light);
  line-height: 1.8;
}
.accordion-card .accordion-content ul {
  margin: 18px 0;
  padding-left: 22px;
  color: var(--text-light);
}
.accordion-card .accordion-content ul li {
  margin-bottom: 10px;
  list-style: disc;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.why-card {
  text-align: center;
  padding: 36px 24px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.why-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.why-icon {
  width: 64px; height: 64px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: #fff;
  margin: 0 auto 20px;
}
.why-card h4 { margin-bottom: 10px; }
.why-card p { font-size: 0.9rem; color: var(--text-light); }

/* ── ABOUT ── */
.about-section {
  padding: 80px 0;
  background: var(--gradient-soft);
}
.about-inner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: center;
}
.about-img-blob {
  background: var(--gradient);
  border-radius: 40% 60% 60% 40% / 50% 40% 60% 50%;
  padding: 60px 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 320px;
}
.advisor-card-big {
  background: rgba(255,255,255,0.95);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  box-shadow: 0 8px 40px rgba(0,0,0,0.2);
  min-width: 220px;
}
.advisor-avatar {
  width: 120px; height: 120px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  position: relative;
  margin: 0 auto 16px;
}
.advisor-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.avatar-fallback {
  font-size: 1.8rem;
  font-weight: 800;
  color: #fff;
  position: absolute;
}
.advisor-details strong { display: block; font-size: 1.1rem; font-weight: 700; margin-bottom: 4px; }
.advisor-details span { display: block; font-size: 0.82rem; color: var(--text-light); }
.star-rating { color: #f59e0b; font-size: 1rem !important; margin-top: 8px; }

.about-text { padding: 8px; }
.about-text h2 { margin: 12px 0 20px; }
.about-text p { color: var(--text-light); margin-bottom: 16px; font-size: 0.97rem; }
/* International awards strip */
.intl-awards-strip {
  display: flex;
  align-items: center;
  gap: 0;
  background: linear-gradient(135deg, #f8faff 0%, #eef2ff 100%);
  border: 1px solid #dde8ff;
  border-radius: 14px;
  padding: 18px 20px;
  margin: 24px 0 20px;
}
.ias-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  text-align: center;
}
.ias-item i { font-size: 1.3rem; color: var(--primary); margin-bottom: 2px; }
.ias-item span { font-size: 0.88rem; font-weight: 700; color: var(--text); }
.ias-item small { font-size: 0.72rem; color: var(--text-light); }
.ias-divider { width: 1px; background: #d0d9f0; height: 44px; flex-shrink: 0; margin: 0 8px; }
@media (max-width: 600px) {
  .intl-awards-strip { flex-wrap: wrap; gap: 16px; padding: 16px; }
  .ias-divider { display: none; }
  .ias-item { flex: calc(50% - 8px); }
}

.about-badges { display: flex; gap: 12px; flex-wrap: wrap; margin: 24px 0; }
.badge {
  display: flex;
  align-items: center;
  gap: 7px;
  background: rgba(26,60,143,0.08);
  color: var(--primary);
  border: 1px solid rgba(26,60,143,0.15);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
}

/* ── TESTIMONIALS ── */
.testimonials-section {
  padding: 80px 0;
  background: var(--off-white);
}
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow);
  position: relative;
}
.quote-icon { color: var(--secondary); font-size: 1.5rem; margin-bottom: 16px; opacity: 0.5; }
.testimonial-card p { color: var(--text-light); font-size: 0.95rem; font-style: italic; margin-bottom: 24px; line-height: 1.7; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-weight: 700; font-size: 0.92rem; }
.testimonial-author span { font-size: 0.8rem; color: var(--text-light); }
.stars { color: #f59e0b; font-size: 0.85rem; margin-left: auto; }

/* ── CONTACT ── */
.contact-section {
  padding: 80px 0;
  background: var(--white);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.contact-info h2 { margin: 12px 0 16px; }
.contact-info p { color: var(--text-light); margin-bottom: 32px; }
.contact-details { display: flex; flex-direction: column; gap: 12px; }
.contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
  cursor: pointer;
  background: var(--white);
  text-decoration: none;
  color: inherit;
  position: relative;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
}
.contact-item:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow);
  background: #f4f7ff;
  transform: translateX(4px);
}
.contact-item:hover .contact-item-arrow { color: var(--primary); transform: translateX(3px); }
.contact-icon {
  width: 44px; height: 44px;
  background: var(--gradient-soft);
  color: var(--primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
  transition: var(--transition);
}
.contact-item:hover .contact-icon { background: var(--gradient); color: var(--white); }
.contact-item-text { flex: 1; min-width: 0; }
.contact-item strong { display: block; font-size: 0.78rem; font-weight: 600; color: var(--text-light); margin-bottom: 2px; text-transform: uppercase; letter-spacing: 0.04em; }
.contact-item span { font-size: 0.92rem; font-weight: 600; color: var(--text); display: block; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.contact-item:hover span { color: var(--primary); }
.contact-item-arrow { color: var(--gray); font-size: 0.85rem; flex-shrink: 0; transition: var(--transition); }
.contact-item--whatsapp { border-color: #25D366; }
.contact-item--whatsapp .contact-icon { background: #E8FDF0; color: #25D366; }
.contact-item--whatsapp:hover { border-color: #25D366; background: #E8FDF0; }
.contact-item--whatsapp:hover .contact-icon { background: #25D366; color: var(--white); }
.contact-item--whatsapp:hover span { color: #128C4A; }
.contact-item--whatsapp:hover .contact-item-arrow { color: #25D366; }

.contact-form-wrap {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.contact-form h3 { margin-bottom: 24px; color: var(--primary); }
.form-group { margin-bottom: 16px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 16px;
  color: var(--text);
  background: #fff;
  transition: var(--transition);
  resize: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,60,143,0.1); }
.form-note { margin-top: 12px; font-size: 0.78rem; color: var(--gray); text-align: center; }
.form-note i { margin-right: 4px; }

.calculator-section {
  padding: 80px 0;
  background: #f7f9ff;
}
.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 30px;
  align-items: start;
}
.calculator-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow);
}
.calculator-card h3 {
  color: var(--primary);
  margin-bottom: 18px;
}
.calculator-form .form-group {
  margin-bottom: 18px;
}
.calculator-form .form-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 600;
  color: var(--text);
}
.calculator-form .form-group input {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 16px;
  background: #fff;
}
.calculator-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 10px;
}
.calculator-result-card {
  border: 1px solid rgba(26,60,143,0.08);
}
.result-value {
  font-size: 2.6rem;
  margin: 16px 0;
  color: var(--primary);
  font-weight: 700;
}
.result-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 18px;
}
.result-details div {
  background: rgba(26,60,143,0.05);
  border-radius: var(--radius);
  padding: 16px;
}
.result-details span {
  display: block;
  color: var(--text-light);
  font-size: 0.88rem;
  margin-bottom: 6px;
}
.result-details strong {
  display: block;
  font-size: 1rem;
  color: var(--text);
  font-weight: 700;
}
.calculator-note {
  margin-top: 10px;
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.6;
}
@media screen and (max-width: 940px) {
  .calculator-grid {
    grid-template-columns: 1fr;
  }
}

.financial-calculators-section {
  padding: 80px 0;
  background: #eef3ff;
}
.calculator-highlights {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
  margin-bottom: 32px;
}
.calculator-highlight-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  box-shadow: var(--shadow);
  cursor: pointer;
  border: 1px solid transparent;
  transition: transform 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
.calculator-highlight-card:hover {
  transform: translateY(-4px);
  border-color: rgba(26,60,143,0.16);
  box-shadow: 0 18px 45px rgba(26,60,143,0.07);
}
.calculator-highlight-card.active {
  background: linear-gradient(135deg, rgba(26,60,143,0.08), #fff);
  border-color: rgba(26,60,143,0.3);
  box-shadow: 0 18px 45px rgba(26,60,143,0.12);
}
.highlight-icon {
  width: 52px;
  height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 16px;
  background: rgba(26,60,143,0.1);
  color: var(--primary);
  font-size: 1.2rem;
  margin-bottom: 18px;
}
.calculator-highlight-card h3 {
  margin-bottom: 10px;
  color: var(--text);
}
.calculator-highlight-card p {
  color: var(--text-light);
  line-height: 1.7;
}
.calculators-layout {
  display: grid;
  grid-template-columns: 250px 1fr;
  gap: 28px;
}
.calculator-menu {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(26,60,143,0.08);
  padding: 28px 24px;
  box-shadow: var(--shadow);
}
.calculator-menu h4 {
  margin-bottom: 18px;
  color: var(--primary);
}
.calc-tab {
  width: 100%;
  display: block;
  text-align: left;
  border: none;
  background: transparent;
  color: var(--text);
  font-size: 0.95rem;
  padding: 14px 16px;
  border-radius: var(--radius);
  margin-bottom: 10px;
  cursor: pointer;
  transition: var(--transition);
}
.calc-tab.active,
.calc-tab:hover {
  background: rgba(26,60,143,0.1);
  color: var(--primary);
}
.calculator-panel-group {
  display: block;
}
.calc-panel {
  display: none;
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow);
}
.calc-panel.active {
  display: block;
}
.calc-panel h3 {
  margin-bottom: 12px;
  color: var(--primary);
}
.calc-panel p {
  margin-bottom: 24px;
  color: var(--text-light);
}
.more-notice {
  background: rgba(26,60,143,0.05);
  border-radius: var(--radius);
  padding: 20px;
}
.more-notice ul {
  margin-top: 12px;
  padding-left: 18px;
  color: var(--text);
}
.more-notice li {
  margin-bottom: 8px;
  line-height: 1.6;
}
.calculator-list-title {
  margin: 28px 0 12px;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.calculator-list {
  display: grid;
  gap: 10px;
}
.calculator-list-item {
  width: 100%;
  text-align: left;
  border: none;
  background: rgba(26,60,143,0.05);
  color: var(--text);
  padding: 12px 14px;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background 0.25s ease, transform 0.25s ease;
}
.calculator-list-item:hover {
  background: rgba(26,60,143,0.12);
  transform: translateX(2px);
}
.calculator-list-item.active {
  background: rgba(26,60,143,0.16);
  color: var(--primary);
}
.result-box {
  display: grid;
  gap: 14px;
  margin-top: 24px;
}
.result-box div {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px;
  border-radius: var(--radius);
  background: rgba(26,60,143,0.05);
}
.result-box span {
  color: var(--text-light);
  font-size: 0.88rem;
}
.result-box strong {
  color: var(--text);
  font-size: 1rem;
}
@media screen and (max-width: 940px) {
  .calculators-layout {
    grid-template-columns: 1fr;
  }
}

/* ── FOOTER ── */
.footer {
  background: var(--primary-dark);
  color: #8fa8d4;
  padding: 64px 0 0;
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo { height: 44px; margin-bottom: 16px; filter: brightness(2); }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 280px; }
.social-links { display: flex; gap: 12px; margin-top: 20px; }
.social-links a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #8fa8d4;
  font-size: 0.88rem;
  transition: var(--transition);
}
.social-links a:hover { background: var(--secondary); color: #fff; }
.social-handles {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}
.social-handle {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border-radius: 999px;
  background: rgba(255,255,255,0.07);
  color: #fff;
  font-size: 0.84rem;
  transition: var(--transition);
}
.social-handle i {
  width: 24px;
  height: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.14);
  border-radius: 50%;
}
.social-handle:hover {
  background: rgba(255,255,255,0.18);
}
.payment-methods {
  margin-top: 28px;
}
.payment-methods h5 {
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.payment-method-list {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.payment-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.08);
  border-radius: 999px;
  padding: 10px 14px;
  color: #fff;
  font-size: 0.82rem;
  transition: var(--transition);
}
.payment-icon {
  width: 36px;
  height: 36px;
  min-width: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  color: #fff;
  background: rgba(255,255,255,0.12);
  font-size: 1rem;
}
.payment-icon i {
  font-size: 1.1rem;
}
.payment-icon.amex { background: #0074b7; }
.payment-icon.visa { background: #1a3c8f; }
.payment-icon.mastercard { background: linear-gradient(135deg, #ff5f00 0%, #eb001b 50%, #f79e1b 100%); }
.payment-icon.paytm { background: #00aad4; font-weight: 700; font-size: 0.95rem; }
.payment-icon.rupay { background: #0068b3; font-weight: 700; font-size: 0.95rem; }
.payment-icon.netbanking { background: #1a3c8f; }
.payment-item:hover {
  background: rgba(255,255,255,0.18);
}
.footer-links h5 { color: #fff; font-size: 0.9rem; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.87rem; transition: var(--transition); }
.footer-links a:hover { color: #fff; }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0 16px;
}
.footer-disclaimer .fd-title {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.55);
  margin: 0 0 10px;
  text-align: center;
}
.footer-disclaimer p {
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.38);
  margin: 0 0 8px;
  text-align: center;
}
.footer-disclaimer p:last-child { margin-bottom: 0; }
.footer-disclaimer strong { color: rgba(255,255,255,0.55); font-weight: 600; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 18px 0;
  text-align: center;
  font-size: 0.8rem;
  opacity: 0.6;
}
.footer-bottom p { margin: 4px 0; }
.footer-irdai-link { color: rgba(255,255,255,0.45); font-size: 0.75rem; text-decoration: none; transition: var(--transition); }
.footer-irdai-link:hover { color: rgba(255,255,255,0.8); }
.footer-irdai-link i { margin-right: 5px; color: rgba(255,200,50,0.7); }

/* ── MODAL ── */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(4px);
}
.modal-overlay.open { display: flex; }
.modal {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 460px;
  width: 100%;
  position: relative;
  animation: modalIn 0.3s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(24px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.modal h3 { margin-bottom: 8px; }
.modal p { color: var(--text-light); font-size: 0.9rem; margin-bottom: 24px; }
.modal form { display: flex; flex-direction: column; gap: 14px; }
.modal input,
.modal select {
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 16px;
  color: var(--text);
  transition: var(--transition);
}
.modal input:focus,
.modal select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,60,143,0.1); }
.modal-close {
  position: absolute;
  top: 14px; right: 14px;
  background: var(--gray-light);
  border: none;
  width: 32px; height: 32px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--text-light);
  transition: var(--transition);
  display: flex; align-items: center; justify-content: center;
  z-index: 2;
}
.modal-close:hover { background: var(--secondary); color: #fff; }

/* ── Professional modal ── */
.modal--pro { padding: 0; overflow: hidden; max-width: 500px; }
.modal-header-pro {
  display: flex; align-items: center; gap: 14px;
  background: var(--gradient); padding: 24px 28px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.modal-icon-wrap {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(255,255,255,0.18); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.modal-icon-wrap i { color: #fff; font-size: 1.3rem; }
.modal-header-pro h3 { color: #fff; margin: 0 0 2px; font-size: 1.15rem; }
.modal-tagline { color: rgba(255,255,255,0.75); font-size: 0.82rem; margin: 0; }
.modal-form-pro {
  display: flex; flex-direction: column; gap: 0; padding: 24px 28px 0;
}
.modal-field { display: flex; flex-direction: column; gap: 5px; margin-bottom: 14px; }
.modal-field label {
  font-size: 0.78rem; font-weight: 600; color: var(--text);
  text-transform: uppercase; letter-spacing: 0.05em; display: flex; align-items: center; gap: 6px;
}
.modal-field label i { color: var(--primary); font-size: 0.8rem; }
.modal-field input,
.modal-field select {
  padding: 12px 14px; border: 1.5px solid var(--border);
  border-radius: var(--radius); font-family: inherit;
  font-size: 16px; color: var(--text); background: #fff;
  transition: var(--transition); -webkit-appearance: none; appearance: none;
}
.modal-field input:focus,
.modal-field select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(30,58,138,0.10); }
.modal-submit-btn {
  font-size: 1rem; padding: 14px 20px; border-radius: var(--radius); min-height: 50px;
  background: linear-gradient(135deg,#25D366,#128C7E); border: none;
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.modal-submit-btn:hover { background: linear-gradient(135deg,#128C7E,#075E54); box-shadow: 0 6px 20px rgba(37,211,102,0.35); }
.modal-submit-btn i { font-size: 1.15rem; }
.modal-submit-note { font-size: 0.74rem; color: var(--gray); text-align: center; margin: 8px 0 0; display: flex; align-items: center; justify-content: center; gap: 5px; }
.modal-submit-note i { color: #059669; }
.modal-contact-strip {
  display: flex; flex-direction: column; gap: 0;
  margin: 18px 28px 0; border-radius: var(--radius); overflow: hidden;
  border: 1.5px solid var(--border);
}
.mcs-item {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 11px 14px; background: var(--off-white); border-bottom: 1px solid var(--border);
}
.mcs-item:last-child { border-bottom: none; }
.mcs-item > i { color: var(--primary); font-size: 0.9rem; margin-top: 2px; flex-shrink: 0; }
.mcs-item span { display: block; font-size: 0.7rem; color: var(--gray); text-transform: uppercase; letter-spacing: 0.04em; }
.mcs-item strong { font-size: 0.82rem; color: var(--text); font-weight: 600; }
.modal-response-badge {
  margin: 14px 28px 24px; padding: 10px 14px;
  background: linear-gradient(135deg,#fef9c3,#fef3c7);
  border: 1px solid #fde68a; border-radius: var(--radius);
  font-size: 0.8rem; color: #92400e; text-align: center;
}
.modal-response-badge i { color: #d97706; margin-right: 5px; }
@media (max-width: 480px) {
  .modal--pro { border-radius: 16px 16px 0 0; }
  .modal-header-pro { padding: 20px; }
  .modal-form-pro { padding: 18px 18px 0; }
  .modal-contact-strip { margin: 14px 18px 0; }
  .modal-response-badge { margin: 12px 18px 20px; }
}

/* ── TOAST ── */
.toast {
  position: fixed;
  bottom: 32px; left: 50%;
  transform: translateX(-50%) translateY(20px);
  opacity: 0;
  visibility: hidden;
  background: #16a34a;
  color: #fff;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.9rem;
  z-index: 3000;
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 8px 32px rgba(22,163,74,0.4);
  transition: transform 0.4s ease, opacity 0.4s ease, visibility 0.4s ease;
}
.toast.show { transform: translateX(-50%) translateY(0); opacity: 1; visibility: visible; }

/* ── WHATSAPP FLOAT ── */
.whatsapp-float {
  position: fixed;
  bottom: 90px; right: 28px;
  width: 54px; height: 54px;
  background: #25d366;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  box-shadow: 0 6px 24px rgba(37,211,102,0.5);
  transition: var(--transition);
  z-index: 1500;
}
.whatsapp-float:hover { transform: scale(1.1); }

/* ── BACK TO TOP ── */
.back-to-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--gradient);
  color: #fff;
  border: none;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
  z-index: 1500;
  font-size: 0.9rem;
}
.back-to-top.visible { opacity: 1; pointer-events: all; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-card-stack { display: grid; grid-template-columns: repeat(3, 1fr); }
  .about-inner { grid-template-columns: 1fr; }
  .about-img-wrap { order: -1; }
  .contact-inner { grid-template-columns: 1fr; }
  .tab-form-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .topbar { display: none; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; align-items: center; justify-content: center; }
  .logo { margin-right: 0; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 64px; left: 0; right: 0;
    background: #fff;
    padding: 12px 16px 20px;
    border-bottom: 1.5px solid #e8ecf3;
    box-shadow: 0 12px 32px rgba(30,58,138,0.10);
    z-index: 999;
    gap: 2px;
    max-height: calc(100dvh - 64px);
    overflow-y: auto;
  }
  .nav-links.open + .nav-cta {
    display: flex;
    position: absolute;
    bottom: 0; left: 0; right: 0;
    padding: 12px 16px;
    background: #fff;
    border-top: 1px solid #e8ecf3;
    gap: 8px;
    z-index: 998;
  }
  .nav-links.open + .nav-cta .btn-nav-call { display: none; }
  .nav-links.open + .nav-cta .btn-nav-quote { flex: 1; text-align: center; justify-content: center; }
  .hero { padding: 60px 0 50px; min-height: auto; }
  .hero-card-stack { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .category-tabs { gap: 6px; }
  .cat-tab { padding: 8px 14px; font-size: 0.82rem; }
  .tab-form-grid { padding: 24px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 12px; }
  .hero-btns { flex-direction: column; }
  .about-img-blob { padding: 40px 24px; }
  .contact-form-wrap { padding: 24px; }
  .modal { padding: 28px 20px; }
  .contact-item span { white-space: normal; }
}

/* ══════════════════════════════════════════
   PROFESSIONAL COLOR REDESIGN
   ══════════════════════════════════════════ */

/* ── Updated button shadows to match indigo gradient ── */
.btn-primary {
  box-shadow: 0 4px 16px rgba(67,56,202,0.30);
}
.btn-primary:hover {
  box-shadow: 0 8px 28px rgba(67,56,202,0.42);
}
/* btn-nav-quote hover handled above */

/* ── HERO – Deep Navy ── */
.hero {
  background: var(--gradient-hero);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse at 15% 85%, rgba(67,56,202,0.18) 0%, transparent 50%),
    radial-gradient(ellipse at 85% 10%, rgba(230,57,70,0.10) 0%, transparent 40%);
  pointer-events: none;
  z-index: 0;
}
.hero-bg-shapes, .hero-inner { position: relative; z-index: 1; }
.hero .gradient-text {
  background: linear-gradient(135deg, #93c5fd 0%, #c4b5fd 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-text h1 { color: #fff; }
.hero-text p { color: rgba(255,255,255,0.78); }
.hero-badge {
  background: rgba(255,255,255,0.10);
  color: rgba(255,255,255,0.95);
  border-color: rgba(255,255,255,0.20);
  backdrop-filter: blur(8px);
}
.hero-stats { border-top-color: rgba(255,255,255,0.14); }
.hero .stat strong { color: #fff; }
.hero .stat span { color: rgba(255,255,255,0.65); }
.hero .btn-outline {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.60);
  color: rgba(255,255,255,0.90);
}
.hero .btn-outline:hover {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.90);
  color: #fff;
}
.shape1 {
  background: radial-gradient(circle, rgba(99,102,241,0.5), transparent 70%);
  opacity: 0.45;
}
.shape2 {
  background: radial-gradient(circle, rgba(230,57,70,0.5), transparent 70%);
  opacity: 0.30;
}

/* ── SERVICES – Premium Blue-Gray ── */
.services-section {
  background: linear-gradient(180deg, #eef3ff 0%, #e4eeff 100%);
}

/* ── CALCULATOR SECTION – Richer Blue ── */
.financial-calculators-section {
  background: linear-gradient(180deg, #edf2ff 0%, #e5ecff 100%);
}

/* ── INSURANCE DETAILS – Dark Navy ── */
.insurance-details-section {
  background: linear-gradient(135deg, #060d24 0%, #0f2460 60%, #1a3a90 100%);
}
.insurance-details-section .section-header h2 { color: #fff; }
.insurance-details-section .section-header p { color: rgba(255,255,255,0.70); }
.insurance-details-section .gradient-text {
  background: linear-gradient(135deg, #93c5fd 0%, #c4b5fd 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.insurance-details-section .accordion-card {
  background: rgba(255,255,255,0.97);
  border-color: rgba(255,255,255,0.15);
}

/* ── WHY SECTION – Subtle Premium Gradient ── */
.why-section {
  background: linear-gradient(135deg, #f8fafe 0%, #eef3ff 100%);
}
.why-card {
  background: #fff;
  border-color: rgba(26,60,143,0.07);
  box-shadow: 0 2px 12px rgba(26,60,143,0.06);
}
.why-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}

/* ── TESTIMONIALS – Dark Navy Glass ── */
.testimonials-section {
  background: linear-gradient(135deg, #060d24 0%, #0f2460 100%);
}
.testimonials-section .section-header h2 { color: #fff; }
.testimonials-section .section-header p { color: rgba(255,255,255,0.68); }
.testimonials-section .gradient-text {
  background: linear-gradient(135deg, #93c5fd 0%, #c4b5fd 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.testimonial-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  box-shadow: 0 8px 32px rgba(0,0,0,0.30);
  backdrop-filter: blur(12px);
}
.testimonial-card p { color: rgba(255,255,255,0.85); }
.quote-icon { color: rgba(255,255,255,0.22); }
.testimonial-author strong { color: #fff; }
.testimonial-author span { color: rgba(255,255,255,0.55); }
.stars { color: #fbbf24; }
.author-avatar { background: var(--gradient); }

/* ── CONTACT – Subtle Warmth ── */
.contact-section {
  background: linear-gradient(180deg, #ffffff 0%, #f5f8ff 100%);
}

/* ── ABOUT – Refined ── */
.about-section {
  background: linear-gradient(135deg, #eef3ff 0%, #e4eeff 100%);
}

/* ── Calculator Sidebar ── */
.calculators-layout {
  display: flex;
  gap: 28px;
  align-items: flex-start;
}

.calculator-sidebar {
  width: 220px;
  flex-shrink: 0;
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(26,60,143,0.08);
  padding: 16px 10px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 90px;
}

.calc-category {
  margin-bottom: 4px;
}

.calc-category-title {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--text-light);
  padding: 10px 10px 5px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.calc-item {
  display: flex;
  align-items: center;
  gap: 9px;
  width: 100%;
  padding: 7px 10px;
  border: none;
  background: none;
  border-radius: 8px;
  cursor: pointer;
  font-size: 0.83rem;
  color: var(--text);
  text-align: left;
  transition: background 0.15s, color 0.15s;
  margin-bottom: 1px;
  font-family: var(--font-body);
}

.calc-item i {
  width: 15px;
  text-align: center;
  color: #adb5bd;
  font-size: 0.78rem;
  flex-shrink: 0;
  transition: color 0.15s;
}

.calc-item span {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.calc-item:hover {
  background: rgba(26,60,143,0.07);
  color: var(--primary);
}

.calc-item:hover i { color: var(--primary); }

.calc-item.active {
  background: rgba(26,60,143,0.11);
  color: var(--primary);
  font-weight: 600;
}

.calc-item.active i { color: var(--primary); }

@media (max-width: 940px) {
  .calculators-layout {
    flex-direction: column;
  }
  .calculator-sidebar {
    width: 100%;
    position: static;
    display: flex;
    gap: 0 20px;
    overflow-x: auto;
    padding: 12px 8px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .calculator-sidebar::-webkit-scrollbar { display: none; }
  .calc-category {
    flex-shrink: 0;
    min-width: 150px;
  }
  .calc-item span { white-space: nowrap; }
}

/* =============================================
   GOOGLE TRUST SIGNALS
   ============================================= */

/* Trust Strip */
.trust-strip {
  background: linear-gradient(135deg, #f0f4ff 0%, #e8eeff 100%);
  border-top: 3px solid #1a3c8f;
  border-bottom: 1px solid #c7d4f7;
  padding: 20px 0;
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  gap: 8px 0;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 28px;
}
.trust-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon.t-google { background: #fff; box-shadow: 0 2px 8px rgba(66,133,244,0.2); }
.trust-icon.t-star { background: #fff7e0; color: #f59e0b; font-size: 18px; }
.trust-icon.t-cert { background: #e8f5e9; color: #16a34a; font-size: 16px; }
.trust-icon.t-years { background: #ede9fe; color: #7c3aed; font-size: 16px; }
.trust-icon.t-clients { background: #e0f2fe; color: #0369a1; font-size: 16px; }
.trust-text {
  display: flex;
  flex-direction: column;
}
.trust-text strong {
  font-size: 15px;
  font-weight: 700;
  color: #1a3c8f;
  line-height: 1.2;
}
.trust-text span {
  font-size: 12px;
  color: #64748b;
  margin-top: 1px;
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: #c7d4f7;
  flex-shrink: 0;
}

/* Google Rating Card in Testimonials */
.google-trust-block {
  display: flex;
  justify-content: center;
  margin: 0 0 44px;
}
.google-rating-card {
  background: #fff;
  border: 1.5px solid #dbeafe;
  border-radius: 20px;
  padding: 32px 40px;
  box-shadow: 0 8px 32px rgba(26,60,143,0.10);
  max-width: 680px;
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.google-brand {
  display: flex;
  align-items: center;
  gap: 14px;
}
.google-svg { flex-shrink: 0; }
.google-label {
  font-size: 18px;
  font-weight: 700;
  color: #1a3c8f;
  display: block;
  line-height: 1.2;
}
.google-verified {
  font-size: 12px;
  color: #16a34a;
  font-weight: 600;
  display: block;
  margin-top: 2px;
}
.google-score-block {
  display: flex;
  align-items: center;
  gap: 16px;
}
.g-score {
  font-size: 52px;
  font-weight: 800;
  color: #1a3c8f;
  line-height: 1;
}
.g-stars {
  font-size: 26px;
  color: #f59e0b;
  letter-spacing: 2px;
  line-height: 1.1;
}
.g-count {
  font-size: 13px;
  color: #64748b;
  margin-top: 3px;
  display: block;
}
.tags-heading {
  font-size: 13px;
  color: #64748b;
  margin: 0 0 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.gtags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.gtag {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  color: #1d4ed8;
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 13px;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
}
.gtag i { color: #16a34a; font-size: 12px; }
.gtag em { font-style: normal; color: #6b7280; font-weight: 400; }
.btn-see-reviews {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, #1a3c8f, #4338ca);
  color: #fff;
  border-radius: 10px;
  padding: 13px 28px;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  transition: opacity 0.2s, transform 0.2s;
  width: fit-content;
}
.btn-see-reviews:hover { opacity: 0.88; transform: translateY(-2px); }

/* Verified Google badge on testimonial cards */
.card-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}
.verified-google {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 700;
  color: #4285F4;
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 6px;
  padding: 3px 10px;
}
.verified-google i { font-size: 11px; }

/* Hero stats — 4 items */
.hero-stats { gap: 24px; }

/* Mobile adjustments for trust strip */
@media (max-width: 768px) {
  .trust-strip-inner {
    justify-content: flex-start;
    overflow-x: auto;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding: 0 4px;
  }
  .trust-strip-inner::-webkit-scrollbar { display: none; }
  .trust-item { padding: 10px 16px; }
  .trust-divider { height: 30px; }
  .google-rating-card { padding: 24px 20px; }
  .g-score { font-size: 40px; }
  .g-stars { font-size: 20px; }
  .hero-stats { gap: 16px; flex-wrap: wrap; }
}

/* =============================================
   3D ANIMATIONS (TRENDING 2025)
   ============================================= */

/* ── Floating particles in hero ── */
.particles-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
  z-index: 0;
}
.hero-particle {
  position: absolute;
  bottom: -20px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(147,197,253,0.8) 0%, rgba(99,102,241,0.3) 100%);
  animation: particleRise linear infinite;
  filter: blur(1px);
}
@keyframes particleRise {
  0%   { transform: translateY(0) scale(1); opacity: 0; }
  8%   { opacity: 0.8; }
  90%  { opacity: 0.4; }
  100% { transform: translateY(-108vh) scale(0.4); opacity: 0; }
}

/* ── Hero inner above particles ── */
.hero-inner { position: relative; z-index: 1; }

/* ── 3D Scroll reveal ── */
.reveal-3d {
  opacity: 0;
  transform: perspective(900px) rotateX(20deg) translateY(38px);
  transition: opacity 0.65s ease, transform 0.65s cubic-bezier(0.22, 1, 0.36, 1);
  will-change: transform, opacity;
}
.reveal-3d.in-view {
  opacity: 1;
  transform: perspective(900px) rotateX(0deg) translateY(0);
}

/* ── Hero 3D cards — subtle entrance float ── */
.ins-3d-card:nth-child(1) { animation: insFloat 6s ease-in-out infinite; }
.ins-3d-card:nth-child(2) { animation: insFloat 7s ease-in-out infinite 1s; }
.ins-3d-card:nth-child(3) { animation: insFloat 8s ease-in-out infinite 0.5s; }
@keyframes insFloat {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-6px); }
}
.ins-3d-card:hover { animation-play-state: paused; }

/* ── Glowing animated orbs behind hero ── */
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
  z-index: 0;
  animation: orbPulse ease-in-out infinite alternate;
}
.hero-orb-1 {
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(67,56,202,0.45) 0%, transparent 70%);
  top: -80px; right: -60px;
  animation-duration: 5s;
}
.hero-orb-2 {
  width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(99,102,241,0.35) 0%, transparent 70%);
  bottom: 40px; left: -40px;
  animation-duration: 7s;
  animation-delay: 1.5s;
}
@keyframes orbPulse {
  from { transform: scale(1) translate(0, 0); opacity: 0.7; }
  to   { transform: scale(1.18) translate(20px, -20px); opacity: 1; }
}

/* ── VanillaTilt glare fix ── */
.js-tilt-glare { border-radius: inherit; }
.js-tilt-glare-inner { border-radius: inherit; }

/* ── 3D button press effect ── */
.btn-primary {
  transform-style: preserve-3d;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.3s ease;
}
.btn-primary:active { transform: translateY(3px) scale(0.97); }
.btn-outline:active { transform: translateY(3px) scale(0.97); }

/* ── Mobile: simplify 3D for perf ── */
@media (max-width: 768px) {
  .reveal-3d {
    opacity: 1;
    transform: none;
    transition: none;
  }
  .ins-3d-card { animation: none !important; transform: none !important; }
  .hero-orb-1, .hero-orb-2 { display: none; }
  .hero-particle { display: none; }
}

/* =============================================
   SERVICE DETAIL PAGES
   ============================================= */

/* Hero */
.service-page-hero {
  background: var(--gradient-hero);
  color: #fff;
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
}
.service-page-hero::before {
  content: '';
  position: absolute;
  top: -120px; right: -80px;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(67,56,202,0.35) 0%, transparent 70%);
  filter: blur(60px);
  pointer-events: none;
}
.service-page-hero h1 { color: #fff; margin-bottom: 16px; }
.service-page-hero > .container > p,
.service-page-hero .sp-hero-desc {
  color: rgba(255,255,255,0.82);
  font-size: 1.05rem;
  max-width: 620px;
  margin-bottom: 32px;
  line-height: 1.7;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 24px;
}
.breadcrumb a { color: rgba(255,255,255,0.65); transition: color 0.2s; }
.breadcrumb a:hover { color: #fff; }
.service-tag {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 50px;
  padding: 8px 20px;
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 20px;
  backdrop-filter: blur(8px);
}
.service-tag i { color: var(--cta-gold-light); }
.sp-stat-row {
  display: flex;
  gap: 40px;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.14);
  flex-wrap: wrap;
}
.sp-stat strong {
  display: block;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--cta-gold-light);
  line-height: 1.1;
  font-family: 'IBM Plex Sans', sans-serif;
}
.sp-stat span { font-size: 12px; color: rgba(255,255,255,0.62); margin-top: 3px; display: block; }

/* Page sections */
.sp-section { padding: 76px 0; background: var(--off-white); }
.sp-section-alt { padding: 76px 0; background: #fff; }
.sp-section-dark { padding: 76px 0; background: var(--gradient-hero); color: #fff; }
.sp-section-dark h2, .sp-section-dark h3 { color: #fff; }

/* Section header on service pages */
.sp-section-header { text-align: center; margin-bottom: 52px; }
.sp-section-header h2 { margin-bottom: 12px; position: relative; display: inline-block; }
.sp-section-header h2::after {
  content: '';
  position: absolute;
  left: 50%; bottom: -8px;
  transform: translateX(-50%) scaleX(0);
  transform-origin: center;
  width: 60%; height: 3px;
  background: var(--gradient-gold);
  border-radius: 2px;
  transition: transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}
.sp-section-header h2.animated::after { transform: translateX(-50%) scaleX(1); }
.sp-section-header p { color: var(--text-light); font-size: 1rem; max-width: 600px; margin: 0 auto; }

/* Grids */
.sp-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.sp-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.sp-grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

/* Reason cards */
.reason-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--primary);
  transition: all 0.25s ease;
  cursor: default;
}
.reason-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); border-left-color: var(--cta-gold); }
.reason-card .rc-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--gradient-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; color: var(--primary);
  margin-bottom: 16px;
}
.reason-card h4 { font-size: 1rem; margin-bottom: 8px; color: var(--text); }
.reason-card p { font-size: 14px; color: var(--text-light); line-height: 1.65; }

/* Coverage cards */
.sp-cover-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all 0.25s ease;
}
.sp-cover-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); border-color: rgba(99,102,241,0.25); }
.sp-cover-card .cc-icon {
  width: 44px; height: 44px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; margin-bottom: 14px;
}
.sp-cover-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 8px; color: var(--text); }
.sp-cover-card p { font-size: 13px; color: var(--text-light); line-height: 1.6; }
.cc-blue { background: #eff6ff; color: #1d4ed8; }
.cc-green { background: #ecfdf5; color: #059669; }
.cc-purple { background: #f5f3ff; color: #7c3aed; }
.cc-orange { background: #fff7ed; color: #ea580c; }
.cc-red { background: #fef2f2; color: #dc2626; }
.cc-teal { background: #f0fdfa; color: #0d9488; }
.cc-gold { background: #fffbeb; color: #b45309; }
.cc-pink { background: #fdf2f8; color: #9d174d; }

/* Plan type cards */
.sp-type-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  border: 2px solid transparent;
  transition: all 0.25s ease;
  position: relative;
}
.sp-type-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); border-color: rgba(26,60,143,0.2); }
.sp-type-card.featured { border-color: var(--cta-gold); }
.sp-type-card.featured::before {
  content: 'Most Popular';
  position: absolute; top: -12px; left: 20px;
  background: var(--gradient-gold); color: #fff;
  font-size: 11px; font-weight: 700; padding: 3px 14px;
  border-radius: 20px; letter-spacing: 0.3px;
}
.sp-type-card .tc-icon { font-size: 28px; margin-bottom: 14px; display: block; }
.sp-type-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--primary); }
.sp-type-card p { font-size: 13.5px; color: var(--text-light); margin-bottom: 14px; line-height: 1.6; }
.sp-type-card ul { list-style: none; }
.sp-type-card ul li {
  font-size: 13px; color: var(--text-light);
  padding: 4px 0;
  display: flex; align-items: flex-start; gap: 8px;
}
.sp-type-card ul li i { color: #16a34a; margin-top: 2px; flex-shrink: 0; }

/* How to choose steps */
.sp-steps { max-width: 700px; margin: 0 auto; }
.sp-step {
  display: flex; gap: 20px;
  margin-bottom: 32px; align-items: flex-start;
}
.sp-step-num {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--gradient-gold); color: #fff;
  font-weight: 800; font-size: 1.1rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; box-shadow: 0 4px 16px rgba(180,83,9,0.3);
}
.sp-step-body h4 { font-size: 1rem; font-weight: 700; margin-bottom: 6px; color: var(--text); }
.sp-step-body p { font-size: 14px; color: var(--text-light); line-height: 1.65; }

/* Expert advice block */
.expert-block {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  display: flex; gap: 28px; align-items: flex-start;
  backdrop-filter: blur(8px);
}
.expert-avatar {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--gradient-gold); color: #fff;
  font-size: 1.5rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; box-shadow: 0 4px 20px rgba(180,83,9,0.4);
}
.expert-quote {
  font-size: 1.05rem; line-height: 1.75;
  color: rgba(255,255,255,0.88); font-style: italic;
  margin-bottom: 14px;
}
.expert-quote::before { content: '"'; font-size: 2rem; color: var(--cta-gold-light); line-height: 0; vertical-align: -12px; margin-right: 4px; }
.expert-quote::after { content: '"'; font-size: 2rem; color: var(--cta-gold-light); line-height: 0; vertical-align: -12px; margin-left: 4px; }
.expert-name { color: var(--cta-gold-light); font-weight: 700; font-size: 0.88rem; letter-spacing: 0.3px; }
.expert-role { color: rgba(255,255,255,0.5); font-size: 12px; margin-top: 2px; }

/* CTA Banner */
.sp-cta-banner { background: var(--gradient-gold); padding: 76px 0; text-align: center; }
.sp-cta-banner h2 { color: #fff; margin-bottom: 12px; }
.sp-cta-banner p { color: rgba(255,255,255,0.88); font-size: 1.05rem; margin-bottom: 32px; max-width: 520px; margin-left: auto; margin-right: auto; }
.sp-cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-white {
  background: #fff; color: var(--cta-gold);
  border: none; border-radius: 50px;
  padding: 14px 32px; font-size: 1rem; font-weight: 700;
  cursor: pointer; transition: all 0.2s ease;
  box-shadow: 0 4px 20px rgba(0,0,0,0.18);
  display: inline-flex; align-items: center; gap: 8px;
}
.btn-white:hover { transform: translateY(-3px); box-shadow: 0 10px 32px rgba(0,0,0,0.25); }
.btn-outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.65);
  border-radius: 50px; padding: 12px 30px;
  font-size: 1rem; font-weight: 700;
  cursor: pointer; transition: all 0.2s ease;
  display: inline-flex; align-items: center; gap: 8px;
  text-decoration: none;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.14); border-color: #fff; }

/* Intro "What is" section */
.sp-what-grid {
  display: grid; grid-template-columns: 1.1fr 0.9fr;
  gap: 64px; align-items: center;
}
.sp-what-text h2 { margin-bottom: 18px; }
.sp-what-text p { color: var(--text-light); font-size: 1rem; line-height: 1.75; margin-bottom: 14px; }
.sp-what-visual {
  background: var(--gradient);
  border-radius: 24px;
  padding: 36px 32px;
  color: #fff;
}
.sp-what-visual h4 { font-size: 1rem; margin-bottom: 20px; opacity: 0.8; }
.sp-key-point {
  display: flex; gap: 14px; align-items: flex-start;
  margin-bottom: 18px;
}
.sp-key-point i { color: var(--cta-gold-light); font-size: 16px; margin-top: 2px; flex-shrink: 0; }
.sp-key-point span { font-size: 14px; line-height: 1.6; opacity: 0.9; }

/* Tab learn-more link */
.tab-learn-more {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--primary); font-weight: 700; font-size: 14px;
  border: 2px solid var(--primary);
  border-radius: 50px; padding: 9px 22px;
  margin-top: 20px; transition: all 0.22s ease;
  text-decoration: none; cursor: pointer;
}
.tab-learn-more:hover { background: var(--primary); color: #fff; }

/* Responsive */
@media (max-width: 900px) {
  .sp-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .sp-what-grid { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 768px) {
  .service-page-hero { padding: 100px 0 60px; }
  .sp-grid-2 { grid-template-columns: 1fr; gap: 32px; }
  .sp-grid-3 { grid-template-columns: 1fr 1fr; }
  .sp-stat-row { gap: 24px; }
  .expert-block { flex-direction: column; padding: 28px 24px; }
  .sp-cta-btns { flex-direction: column; align-items: center; }
}
@media (max-width: 500px) {
  .sp-grid-3 { grid-template-columns: 1fr; }
  .sp-grid-4 { grid-template-columns: 1fr; }
}

/* =============================================
   UI/UX PRO MAX — SKILL ENHANCEMENTS
   ============================================= */

/* ── Reduce orb / particle opacity (keep subtle, not distracting) ── */
.hero-orb-1 { opacity: 0.09 !important; }
.hero-orb-2 { opacity: 0.07 !important; }
.hero-particle { opacity: 0.18 !important; }

/* ── Premium card hover (depth lift + gold-glow shadow) ── */
.service-card, .why-card { cursor: pointer; }
.service-card:hover {
  transform: translateY(-10px) !important;
  box-shadow: 0 20px 52px rgba(26,60,143,0.16), 0 0 0 1.5px rgba(99,102,241,0.25) !important;
}
.why-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 16px 44px rgba(26,60,143,0.14), 0 0 0 1.5px rgba(180,83,9,0.2) !important;
}
.ins-3d-card { cursor: pointer; }
.testimonial-card { cursor: default; }
.cat-tab { cursor: pointer; }
.calc-item { cursor: pointer; }
.accordion-header { cursor: pointer; }
.trust-item { cursor: default; }

/* ── Section heading animated underline ── */
.section-header h2 { position: relative; display: inline-block; }
.section-header h2::after {
  content: '';
  position: absolute;
  left: 50%; bottom: -8px;
  transform: translateX(-50%) scaleX(0);
  transform-origin: center;
  width: 60%;
  height: 3px;
  background: var(--gradient-gold);
  border-radius: 2px;
  transition: transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}
.section-header.in-view h2::after { transform: translateX(-50%) scaleX(1); }

/* ── Badge shimmer animation (trust strip items on scroll entry) ── */
@keyframes badgeShimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
.trust-item.shimmer .trust-text strong {
  background: linear-gradient(90deg, #1E3A8A 0%, #60a5fa 40%, #B45309 60%, #1E3A8A 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: badgeShimmer 1.2s ease-out forwards;
}

/* ── Metric pulse (stat numbers on counter complete) ── */
@keyframes metricPulse {
  0%   { transform: scale(1); }
  40%  { transform: scale(1.18); color: var(--cta-gold); text-shadow: 0 0 20px rgba(180,83,9,0.5); }
  100% { transform: scale(1); }
}
.stat strong.pulsing { animation: metricPulse 0.55s cubic-bezier(0.22, 1, 0.36, 1) forwards; }

/* ── Trust strip stagger delays ── */
.trust-strip-inner .trust-item:nth-child(1) { transition-delay: 0s; }
.trust-strip-inner .trust-item:nth-child(3) { transition-delay: 0.08s; }
.trust-strip-inner .trust-item:nth-child(5) { transition-delay: 0.16s; }
.trust-strip-inner .trust-item:nth-child(7) { transition-delay: 0.24s; }
.trust-strip-inner .trust-item:nth-child(9) { transition-delay: 0.32s; }

/* ── Google rating card glow on entry ── */
@keyframes cardGlowIn {
  0%   { box-shadow: 0 8px 32px rgba(26,60,143,0.10); }
  50%  { box-shadow: 0 16px 56px rgba(180,83,9,0.22), 0 0 0 2px rgba(180,83,9,0.15); }
  100% { box-shadow: 0 8px 32px rgba(26,60,143,0.10); }
}
.google-rating-card.glow { animation: cardGlowIn 1.2s ease forwards; }

/* ── See Reviews button — gold accent ── */
.btn-see-reviews {
  background: var(--gradient-gold) !important;
  box-shadow: var(--shadow-gold);
  position: relative;
  overflow: hidden;
}
.btn-see-reviews::after {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 55%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.22), transparent);
  transform: skewX(-18deg);
  transition: left 0.5s ease;
}
.btn-see-reviews:hover::after { left: 160%; }
.btn-see-reviews:hover { opacity: 1 !important; transform: translateY(-3px) !important; box-shadow: 0 12px 36px rgba(180,83,9,0.5) !important; }

/* ── Contact form submit button — gold ── */
.contact-form .btn-primary,
.modal-body .btn-primary { font-family: 'IBM Plex Sans', sans-serif; }

/* ── Stat numbers in hero — gold highlight ── */
.hero-stats .stat strong {
  color: #fff;
  font-size: 1.7rem;
  font-weight: 800;
  font-family: 'IBM Plex Sans', sans-serif;
  letter-spacing: -0.5px;
}

/* ── Google Rating score — gold ── */
.g-score { color: var(--cta-gold) !important; }
.g-stars { color: var(--cta-gold-light) !important; }

/* ── Trust icon gold star ── */
.trust-icon.t-star { background: #fef3c7 !important; color: var(--cta-gold) !important; }

/* ── Hero badge glow ── */
.hero-badge {
  animation: heroBadgePop 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.3s both;
}
@keyframes heroBadgePop {
  0%   { opacity: 0; transform: translateY(12px) scale(0.92); }
  100% { opacity: 1; transform: translateY(0) scale(1); }
}

/* ── prefers-reduced-motion ── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .hero-particle, .hero-orb-1, .hero-orb-2 { display: none !important; }
  .reveal-3d { opacity: 1 !important; transform: none !important; }
  .ins-3d-card { animation: none !important; transform: none !important; }
}


/* ===================== INSURANCE PARTNERS SECTION ===================== */
.partners-section {
  padding: 96px 0 80px;
  background: linear-gradient(180deg, #f8fafc 0%, #eef2ff 100%);
  position: relative;
  overflow: hidden;
}
.partners-section::before {
  content: '';
  position: absolute;
  top: -80px; left: 50%;
  transform: translateX(-50%);
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(30,58,138,0.06) 0%, transparent 70%);
  pointer-events: none;
}

/* Partner Stats Bar */
.partner-stats-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: #fff;
  border: 1px solid rgba(30,58,138,0.12);
  border-radius: 16px;
  padding: 24px 32px;
  margin: 48px 0;
  box-shadow: 0 4px 24px rgba(30,58,138,0.08);
  flex-wrap: wrap;
}
.ps-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 0 40px;
  text-align: center;
}
.ps-item i {
  font-size: 20px;
  color: var(--primary);
  margin-bottom: 4px;
}
.ps-item strong {
  font-size: 22px;
  font-weight: 700;
  color: var(--primary);
  font-family: 'Poppins', sans-serif;
}
.ps-item span {
  font-size: 12px;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 500;
}
.ps-divider {
  width: 1px;
  height: 48px;
  background: rgba(30,58,138,0.12);
}

/* Partner Cards Grid */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 56px;
}
.partner-card {
  background: #fff;
  border: 1px solid rgba(30,58,138,0.10);
  border-radius: 18px;
  padding: 28px 20px 22px;
  text-align: center;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
a.partner-card { color: inherit; }
.partner-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(30,58,138,0.03), transparent);
  opacity: 0;
  transition: opacity 0.3s ease;
  border-radius: 18px;
}
.partner-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(30,58,138,0.14);
  border-color: rgba(30,58,138,0.25);
}
.partner-card:hover::before { opacity: 1; }

.partner-logo {
  width: 64px; height: 64px;
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-size: 18px; font-weight: 800;
  color: #fff;
  margin: 0 auto 14px;
  letter-spacing: 0.5px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.18);
}
.partner-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 3px;
  font-family: 'Poppins', sans-serif;
}
.partner-full {
  font-size: 11px;
  color: var(--text-light);
  margin-bottom: 12px;
  line-height: 1.4;
}
.partner-type {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}
.partner-type.general { background: #EFF6FF; color: #1D4ED8; }
.partner-type.health  { background: #ECFDF5; color: #059669; }
.partner-type.life    { background: #FFF7ED; color: #C2410C; }
.partner-type.more    { background: #F5F3FF; color: #7C3AED; }

.partner-badge {
  font-size: 10.5px;
  color: #16A34A;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  transition: color 0.2s;
}
.partner-badge i { font-size: 11px; }
.partner-more .partner-badge { color: var(--primary); }
a.partner-card:hover .partner-badge { color: var(--primary); }

/* Marquee */
.partner-marquee-wrap {
  position: relative;
  overflow: hidden;
  padding: 4px 0;
}
.partner-marquee-wrap::before,
.partner-marquee-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.partner-marquee-wrap::before {
  left: 0;
  background: linear-gradient(90deg, #eef2ff, transparent);
}
.partner-marquee-wrap::after {
  right: 0;
  background: linear-gradient(270deg, #eef2ff, transparent);
}
.partner-marquee-track {
  display: flex;
  gap: 12px;
  width: max-content;
  animation: partnersMarquee 40s linear infinite;
}
.partner-marquee-track:hover { animation-play-state: paused; }
@keyframes partnersMarquee {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.marquee-pill {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  border: 1px solid rgba(30,58,138,0.10);
  border-radius: 40px;
  padding: 8px 18px;
  white-space: nowrap;
  box-shadow: 0 2px 8px rgba(30,58,138,0.07);
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  transition: box-shadow 0.2s, border-color 0.2s;
}
.marquee-pill:hover {
  box-shadow: 0 4px 16px rgba(30,58,138,0.14);
  border-color: rgba(30,58,138,0.22);
}
.mpill-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* Responsive: Partners */
@media (max-width: 1024px) {
  .partner-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .partner-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .partner-stats-bar { gap: 8px; padding: 18px 16px; }
  .ps-item { padding: 0 16px; }
  .ps-divider { height: 32px; }
  .ps-item strong { font-size: 18px; }
}
@media (max-width: 480px) {
  .partner-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .partner-card { padding: 20px 14px 16px; }
  .partner-logo { width: 52px; height: 52px; font-size: 15px; }
}

/* ===================== NAV DROPDOWN ===================== */
.nav-dropdown { position: relative; }
.nav-dropdown-trigger { display: flex; align-items: center; gap: 4px; cursor: pointer; user-select: none; }

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #fff;
  border: 1px solid #e8ecf3;
  border-radius: 10px;
  box-shadow: 0 8px 32px rgba(30,58,138,0.12);
  padding: 6px;
  min-width: 200px;
  z-index: 1000;
  list-style: none;
}
.nav-dropdown.open .nav-dropdown-menu {
  display: block;
  animation: dropdownFade 0.18s ease;
}
@keyframes dropdownFade {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}
.nav-dropdown-menu li a {
  display: flex;
  align-items: center;
  gap: 9px;
  padding: 8px 12px;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 500;
  color: #374151;
  text-decoration: none;
  transition: background 0.14s, color 0.14s;
  white-space: nowrap;
}
.nav-dropdown-menu li a i { width: 14px; text-align: center; color: #94A3B8; font-size: 0.82rem; flex-shrink: 0; transition: color 0.14s; }
.nav-dropdown-menu li a:hover { background: #F0F4FF; color: var(--primary); }
.nav-dropdown-menu li a:hover i { color: var(--primary); }

/* ── Mega dropdown (Products) ── */
.nav-mega-panel {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  transform: none;
  background: #fff;
  border: 1px solid #e8ecf3;
  border-radius: 14px;
  box-shadow: 0 12px 40px rgba(30,58,138,0.13);
  padding: 20px;
  min-width: 480px;
  z-index: 1000;
  flex-direction: row;
  gap: 0;
}
.nav-mega.open .nav-mega-panel {
  display: flex;
  animation: dropdownFade 0.18s ease;
}
.nav-mega-col { flex: 1; display: flex; flex-direction: column; gap: 2px; }
.nav-mega-heading {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--primary);
  padding: 0 10px 10px;
  display: flex;
  align-items: center;
  gap: 7px;
  border-bottom: 1px solid #EEF2FF;
  margin-bottom: 6px;
}
.nav-mega-link {
  display: flex;
  align-items: center;
  gap: 9px;
  padding: 8px 10px;
  border-radius: 8px;
  font-size: 0.875rem;
  font-weight: 500;
  color: #374151;
  text-decoration: none;
  transition: background 0.14s, color 0.14s;
}
.nav-mega-link:hover { background: #F0F4FF; color: var(--primary); }
.nav-mega-link i { width: 14px; text-align: center; color: #94A3B8; font-size: 0.82rem; flex-shrink: 0; transition: color 0.14s; }
.nav-mega-link:hover i { color: var(--primary); }
.nav-mega-divider { width: 1px; background: #EEF2FF; margin: 0 16px; flex-shrink: 0; }

/* Mobile mega — only inside hamburger menu (≤768px) */
@media (max-width: 768px) {
  .nav-mega-panel {
    position: static;
    transform: none;
    flex-direction: column;
    min-width: unset;
    box-shadow: none;
    border: none;
    border-radius: 0;
    padding: 8px 0 0 16px;
    gap: 0;
    background: transparent;
  }
  .nav-mega-divider { width: 100%; height: 1px; margin: 10px 0; }
  .nav-mega-heading { font-size: 0.7rem; padding: 6px 0; border-bottom: none; margin-bottom: 2px; }
  .nav-mega-link { font-size: 0.85rem; padding: 7px 8px; }
}

/* Mobile dropdown */
@media (max-width: 768px) {
  .nav-dropdown-menu {
    position: static;
    transform: none;
    left: auto;
    box-shadow: none;
    border: none;
    background: #f8fafc;
    border-radius: 8px;
    padding: 4px 0;
    margin: 4px 0 4px 12px;
    min-width: unset;
    display: none;
  }
  .nav-dropdown.open .nav-dropdown-menu { display: block; }
  .nav-dropdown.open .nav-chevron { transform: rotate(180deg); }
}

/* ===================== INVESTMENT PLANS SECTION ===================== */
.invest-section {
  padding: 96px 0 80px;
  background: #fff;
  position: relative;
}
.invest-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.invest-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1.5px solid rgba(30,58,138,0.10);
  border-radius: 20px;
  padding: 32px 26px 26px;
  text-decoration: none;
  color: inherit;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
  position: relative;
  overflow: hidden;
}
.invest-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), #4F46E5);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
  border-radius: 0 0 20px 20px;
}
.invest-card:hover {
  transform: translateY(-7px);
  box-shadow: 0 16px 48px rgba(30,58,138,0.13);
  border-color: rgba(30,58,138,0.22);
}
.invest-card:hover::after { transform: scaleX(1); }

.invest-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 22px;
  margin-bottom: 18px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}
.invest-card h4 {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
  font-family: 'Poppins', sans-serif;
}
.invest-card p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.65;
  flex: 1;
  margin-bottom: 18px;
}
.invest-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--primary);
  transition: gap 0.2s ease;
}
.invest-card:hover .invest-link { gap: 10px; }

@media (max-width: 1024px) {
  .invest-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .invest-grid { grid-template-columns: 1fr; gap: 16px; }
  .invest-card { padding: 24px 20px 20px; }
}

/* sp-grid-2 used in endowment pros/cons */
.sp-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 768px) { .sp-grid-2 { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════
   POLICYRAJ AI CHATBOT
   ═══════════════════════════════════════════════ */

/* Floating trigger button — sits ABOVE WhatsApp (which is at bottom:90px) */
.chatbot-btn {
  position: fixed;
  bottom: 156px;    /* WhatsApp at 90px + 54px height + 12px gap */
  right: 24px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  overflow: visible;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 9998;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  animation: cbPop 0.45s cubic-bezier(0.175,0.885,0.32,1.275) 0.6s both;
  background: none;
  border: none;
  padding: 0;
}
.chatbot-btn-avatar {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  display: block;
  box-shadow: 0 4px 20px rgba(30,58,138,0.45);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  border: 3px solid #fff;
}
.chatbot-btn:hover .chatbot-btn-avatar { transform: scale(1.10); box-shadow: 0 8px 28px rgba(30,58,138,0.55); }
.chatbot-btn.active .chatbot-btn-avatar { border-color: #93C5FD; }

@keyframes cbPop {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
/* Pulsing ring */
.chatbot-btn::before {
  content: '';
  position: absolute;
  inset: -5px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37,99,235,0.30), transparent 70%);
  animation: cbPulse 2.8s ease-in-out infinite;
  z-index: -1;
  pointer-events: none;
}
@keyframes cbPulse {
  0%, 100% { transform: scale(1); opacity: 0.8; }
  50%       { transform: scale(1.22); opacity: 0; }
}
/* Tooltip label */
.chatbot-btn::after {
  content: 'Ask Veera';
  position: absolute;
  right: 68px;
  top: 50%;
  transform: translateY(-50%);
  background: #1E3A8A;
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 20px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
  font-family: 'IBM Plex Sans', sans-serif;
  box-shadow: 0 2px 8px rgba(30,58,138,0.25);
}
.chatbot-btn:hover::after { opacity: 1; }

/* Notification badge */
.chatbot-badge {
  position: absolute;
  top: -4px;
  right: -4px;
  width: 20px;
  height: 20px;
  background: #EF4444;
  color: #fff;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #fff;
  animation: badgeBounce 0.4s cubic-bezier(0.175,0.885,0.32,1.275);
}
@keyframes badgeBounce {
  from { transform: scale(0); }
  to   { transform: scale(1); }
}

/* Chat window — anchored above Veera button */
.chatbot-window {
  position: fixed;
  bottom: 224px;   /* chatbot-btn bottom(156) + btn height(58) + gap(10) */
  right: 24px;
  width: 360px;
  max-height: 560px;
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 20px 60px rgba(30,58,138,0.18), 0 4px 16px rgba(0,0,0,0.08);
  display: flex;
  flex-direction: column;
  z-index: 9999;
  overflow: hidden;
  transform: scale(0.85) translateY(20px);
  transform-origin: bottom right;
  opacity: 0;
  pointer-events: none;
  transition: transform 0.3s cubic-bezier(0.175,0.885,0.32,1.275), opacity 0.25s ease;
  border: 1px solid rgba(30,58,138,0.10);
}
.chatbot-window.open {
  transform: scale(1) translateY(0);
  opacity: 1;
  pointer-events: all;
}

/* Header */
.chatbot-header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  background: linear-gradient(135deg, #1E3A8A 0%, #2563EB 100%);
  color: #fff;
  flex-shrink: 0;
}
.chatbot-avatar-wrap { position: relative; flex-shrink: 0; }
.chatbot-header-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 2.5px solid rgba(255,255,255,0.55);
  display: block;
  box-shadow: 0 2px 10px rgba(0,0,0,0.2);
}
.chatbot-online-dot {
  position: absolute;
  bottom: 1px;
  right: 1px;
  width: 12px;
  height: 12px;
  background: #22C55E;
  border-radius: 50%;
  border: 2px solid #2563EB;
}
.pulse-dot {
  display: inline-block;
  width: 7px; height: 7px;
  background: #22C55E;
  border-radius: 50%;
  margin-right: 5px;
  animation: pulseDot 1.8s ease-in-out infinite;
  vertical-align: middle;
}
@keyframes pulseDot {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: 0.4; transform: scale(0.7); }
}
.chatbot-hinfo { flex: 1; min-width: 0; }
.chatbot-name { display: block; font-weight: 700; font-size: 15px; line-height: 1.2; }
.chatbot-status { display: block; font-size: 11px; opacity: 0.8; margin-top: 2px; }
.chatbot-close-btn {
  background: rgba(255,255,255,0.15);
  border: none;
  color: #fff;
  width: 30px; height: 30px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
  flex-shrink: 0;
}
.chatbot-close-btn:hover { background: rgba(255,255,255,0.28); }

/* Bot avatar inside messages */
.cb-bot-avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 4px;
  border: 1.5px solid rgba(30,58,138,0.12);
}
.cb-msg { display: flex; gap: 8px; max-width: 92%; }
.cb-msg-bot { align-self: flex-start; align-items: flex-start; }
.cb-msg-user { align-self: flex-end; align-items: flex-end; flex-direction: row-reverse; }
.cb-msg-user .cb-col { align-items: flex-end; }
.cb-col { display: flex; flex-direction: column; gap: 3px; max-width: 100%; }

/* Messages area */
.chatbot-messages {
  flex: 1;
  overflow-y: auto;
  padding: 16px 14px 8px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: #F8FAFF;
  scroll-behavior: smooth;
}
.chatbot-messages::-webkit-scrollbar { width: 4px; }
.chatbot-messages::-webkit-scrollbar-track { background: transparent; }
.chatbot-messages::-webkit-scrollbar-thumb { background: rgba(30,58,138,0.15); border-radius: 4px; }

/* Message bubbles (layout already set above with .cb-col) */

.cb-bubble {
  padding: 10px 14px;
  border-radius: 16px;
  font-size: 13.5px;
  line-height: 1.6;
  word-break: break-word;
}
.cb-msg-bot .cb-bubble {
  background: #fff;
  color: #1f2937;
  border-bottom-left-radius: 4px;
  box-shadow: 0 2px 8px rgba(30,58,138,0.08);
  border: 1px solid rgba(30,58,138,0.07);
}
.cb-msg-user .cb-bubble {
  background: linear-gradient(135deg, #1E3A8A, #2563EB);
  color: #fff;
  border-bottom-right-radius: 4px;
}
.cb-time {
  font-size: 10px;
  color: #9CA3AF;
  padding: 0 4px;
}

/* Typing indicator */
.cb-typing-bubble {
  display: flex;
  gap: 5px;
  padding: 12px 16px;
  align-items: center;
}
.cb-typing-bubble span {
  width: 7px; height: 7px;
  background: #94A3B8;
  border-radius: 50%;
  animation: cbTyping 1.2s ease-in-out infinite;
}
.cb-typing-bubble span:nth-child(2) { animation-delay: 0.2s; }
.cb-typing-bubble span:nth-child(3) { animation-delay: 0.4s; }
@keyframes cbTyping {
  0%, 60%, 100% { transform: translateY(0); }
  30%           { transform: translateY(-6px); }
}

/* Quick replies */
.chatbot-quick-replies {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  padding: 8px 14px;
  background: #F8FAFF;
  border-top: 1px solid rgba(30,58,138,0.06);
  min-height: 0;
}
.cb-qr-btn {
  background: #EFF6FF;
  color: #1E3A8A;
  border: 1.5px solid rgba(30,58,138,0.18);
  border-radius: 20px;
  padding: 6px 13px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.18s ease;
  white-space: nowrap;
  font-family: 'IBM Plex Sans', sans-serif;
}
.cb-qr-btn:hover {
  background: #1E3A8A;
  color: #fff;
  border-color: #1E3A8A;
  transform: translateY(-1px);
}

/* Input row */
.chatbot-input-row {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  background: #fff;
  border-top: 1px solid rgba(30,58,138,0.08);
  flex-shrink: 0;
}
#chatbotInput {
  flex: 1;
  border: 1.5px solid rgba(30,58,138,0.15);
  border-radius: 24px;
  padding: 9px 16px;
  font-size: 16px;
  font-family: 'IBM Plex Sans', sans-serif;
  outline: none;
  transition: border-color 0.2s;
  color: #1f2937;
  background: #F8FAFF;
}
#chatbotInput:focus { border-color: #2563EB; background: #fff; }
.chatbot-send-btn {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, #1E3A8A, #2563EB);
  color: #fff;
  border: none;
  border-radius: 50%;
  cursor: pointer;
  font-size: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.2s, box-shadow 0.2s;
}
.chatbot-send-btn:hover { transform: scale(1.08); box-shadow: 0 4px 12px rgba(30,58,138,0.35); }

/* Footer note */
.chatbot-footer-note {
  text-align: center;
  font-size: 10.5px;
  color: #9CA3AF;
  padding: 6px;
  background: #fff;
  border-top: 1px solid rgba(30,58,138,0.06);
}

/* Mobile */
@media (max-width: 480px) {
  .chatbot-window {
    right: 8px;
    left: 8px;
    width: auto;
    bottom: 230px;
    max-height: 68vh;
    border-radius: 16px;
  }
  .chatbot-btn {
    right: 16px;
    bottom: 156px;  /* above WhatsApp */
    width: 52px;
    height: 52px;
  }
  .chatbot-btn-avatar { width: 52px; height: 52px; }
  .chatbot-btn::after { display: none; }
}


/* ===================== AI FEATURES SECTION ===================== */
.ai-features-section {
  background: linear-gradient(180deg, #EFF6FF 0%, #F0F4FF 100%);
  padding: 64px 0 72px;
  position: relative;
  overflow: hidden;
}
.ai-features-section::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, #1E3A8A, #06B6D4, #7C3AED, #1E3A8A);
  background-size: 200% 100%;
  animation: aifGradientMove 4s linear infinite;
}
@keyframes aifGradientMove {
  0% { background-position: 0% 0%; }
  100% { background-position: 200% 0%; }
}

.aif-header {
  text-align: center; margin-bottom: 44px;
}
.aif-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(30,58,138,0.08); border: 1px solid rgba(30,58,138,0.18);
  color: #1D4ED8; padding: 6px 16px; border-radius: 99px;
  font-size: 0.8rem; font-weight: 700; margin-bottom: 14px;
}
.aif-header h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); margin: 0 0 10px; }
.aif-header p  { color: var(--text-light); font-size: 1rem; margin: 0; }

.aif-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 24px;
  align-items: start;
}

/* Base card */
.aif-card {
  border-radius: 20px; padding: 32px 28px;
  position: relative; overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
  display: flex; flex-direction: column; gap: 14px;
  text-decoration: none;
}
.aif-card:hover { transform: translateY(-5px); }

/* PRIMARY (AI Scanner — featured) */
.aif-primary {
  background: linear-gradient(135deg, #060D2B 0%, #0F1E5A 45%, #1E3A8A 100%);
  box-shadow: 0 10px 40px rgba(30,58,138,0.30);
  color: #fff;
}
.aif-primary:hover { box-shadow: 0 18px 50px rgba(30,58,138,0.42); color: #fff; }
.aif-card-glow {
  position: absolute; top: -40px; right: -40px;
  width: 180px; height: 180px; border-radius: 50%;
  background: radial-gradient(circle, rgba(6,182,212,0.25) 0%, transparent 70%);
  pointer-events: none;
}
.aif-primary h3 { color: #fff; font-size: 1.25rem; margin: 0; font-weight: 800; }
.aif-primary p  { color: #93C5FD; font-size: 0.88rem; margin: 0; line-height: 1.6; }

/* SECONDARY cards */
.aif-secondary {
  background: #fff;
  border: 1.5px solid #E2E8F0;
  box-shadow: 0 4px 20px rgba(30,58,138,0.07);
}
.aif-secondary:hover { box-shadow: 0 12px 36px rgba(30,58,138,0.14); }
.aif-secondary h3 { color: var(--primary); font-size: 1.1rem; margin: 0; font-weight: 700; }
.aif-secondary p  { color: var(--text-light); font-size: 0.85rem; margin: 0; line-height: 1.6; }

.aif-icon-wrap {
  display: flex; align-items: center; gap: 10px;
}
.aif-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: linear-gradient(135deg, #06B6D4, #4338CA);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: #fff; flex-shrink: 0;
}
.aif-icon-gold { background: linear-gradient(135deg, #B45309, #F59E0B); }
.aif-icon-green { background: linear-gradient(135deg, #059669, #34D399); }

.aif-new-badge {
  background: linear-gradient(135deg, #06B6D4, #4338CA);
  color: #fff; padding: 3px 10px; border-radius: 99px;
  font-size: 0.7rem; font-weight: 800; letter-spacing: 0.06em;
}

.aif-features-list {
  display: flex; flex-direction: column; gap: 6px;
}
.aif-features-list span {
  font-size: 0.8rem; display: flex; align-items: center; gap: 7px;
  font-weight: 500;
}
.aif-primary .aif-features-list span { color: #BFDBFE; }
.aif-primary .aif-features-list span i { color: #34D399; }
.aif-secondary .aif-features-list span { color: #475569; }
.aif-secondary .aif-features-list span i { color: var(--primary); }

.aif-cta {
  display: flex; align-items: center; gap: 8px;
  font-weight: 700; font-size: 0.88rem; margin-top: 4px;
}
.aif-primary .aif-cta { color: #67E8F9; }
.aif-cta-gold  { color: var(--cta-gold); }
.aif-cta-green { color: #059669; }
.aif-cta i { transition: transform 0.2s; }
.aif-card:hover .aif-cta i { transform: translateX(4px); }

@media (max-width: 900px) {
  .aif-grid { grid-template-columns: 1fr; }
  .aif-primary { order: -1; }
}


/* ===================== INSURANCE COMPANY PAGES ===================== */

/* Plan Cards */
.plan-card {
  background: #fff; border: 1.5px solid #E2E8F0; border-radius: 18px;
  padding: 26px 22px; position: relative; transition: all 0.25s;
  display: flex; flex-direction: column; gap: 12px;
}
.plan-card:hover { border-color: var(--primary); box-shadow: 0 10px 32px rgba(30,58,138,0.12); transform: translateY(-4px); }
.plan-card.featured { border-color: var(--primary); box-shadow: 0 8px 28px rgba(30,58,138,0.15); }
.plan-popular-badge {
  position: absolute; top: -11px; left: 50%; transform: translateX(-50%);
  background: linear-gradient(135deg,#B45309,#F59E0B); color:#fff;
  font-size:0.72rem; font-weight:800; padding:4px 14px; border-radius:99px;
  white-space:nowrap; letter-spacing:0.04em;
}
.plan-card-icon {
  width: 50px; height: 50px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: #fff; flex-shrink: 0;
}
.plan-name { font-size: 1.05rem; font-weight: 700; color: var(--primary); margin: 0; }
.plan-tagline { font-size: 0.82rem; color: var(--text-light); margin: 0; }
.plan-premium {
  display: flex; align-items: baseline; gap: 4px;
  border-top: 1px solid #F1F5F9; padding-top: 10px; margin-top: 2px;
}
.plan-premium .amount { font-size: 1.4rem; font-weight: 800; color: var(--primary); }
.plan-premium .freq   { font-size: 0.78rem; color: var(--text-light); font-weight: 500; }
.plan-premium .cover  { margin-left: auto; font-size: 0.78rem; color: #059669; font-weight: 700; background: #F0FDF4; padding: 3px 9px; border-radius: 99px; }
.plan-features { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 7px; }
.plan-features li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.82rem; color: var(--text-light); }
.plan-features li i { color: #10B981; font-size: 0.72rem; margin-top: 3px; flex-shrink: 0; }
.plan-cta {
  margin-top: auto; padding: 11px; border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), #4338CA);
  color: #fff; font-weight: 700; font-size: 0.88rem; border: none;
  cursor: pointer; transition: opacity 0.2s; text-align: center;
}
.plan-cta:hover { opacity: 0.88; }

/* Company stats bar */
.cmp-stats-bar {
  display: flex; flex-wrap: wrap; gap: 0;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18);
  border-radius: 16px; margin-top: 36px; overflow: hidden;
}
.cmp-stat {
  flex: 1; min-width: 120px; padding: 18px 20px; text-align: center;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.cmp-stat:last-child { border-right: none; }
.cmp-stat strong { display: block; font-size: 1.6rem; font-weight: 800; color: #fff; line-height: 1; }
.cmp-stat span { font-size: 0.75rem; color: rgba(255,255,255,0.65); margin-top: 4px; display: block; }

/* Company logo box */
.cmp-logo-box {
  display: inline-flex; align-items: center; justify-content: center;
  width: 80px; height: 80px; border-radius: 20px; font-size: 1.5rem;
  font-weight: 900; color: #fff; letter-spacing: -1px; margin-bottom: 16px;
  box-shadow: 0 6px 20px rgba(0,0,0,0.25);
}
.cmp-type-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.30);
  color: #fff; padding: 5px 14px; border-radius: 99px;
  font-size: 0.78rem; font-weight: 600; margin-bottom: 12px;
}
.cmp-hero-head { display: flex; flex-direction: column; align-items: flex-start; }

/* Claim steps */
.claim-steps { display: flex; flex-wrap: wrap; gap: 0; position: relative; }
.claim-steps::before {
  content: ''; position: absolute; top: 28px; left: 28px; right: 28px; height: 2px;
  background: linear-gradient(90deg, rgba(255,255,255,0.2), rgba(255,255,255,0.2));
  display: none;
}
.claim-step {
  flex: 1; min-width: 160px; display: flex; flex-direction: column; align-items: center;
  text-align: center; gap: 12px; padding: 24px 16px;
  position: relative;
}
.claim-step::after {
  content: '\f054'; font-family: 'Font Awesome 6 Free'; font-weight: 900;
  position: absolute; right: -12px; top: 28px; color: rgba(255,255,255,0.25);
  font-size: 0.8rem;
}
.claim-step:last-child::after { display: none; }
.claim-step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: rgba(255,255,255,0.15); border: 2px solid rgba(255,255,255,0.30);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: #fff;
}
.claim-step h4 { font-size: 0.92rem; font-weight: 700; color: #fff; margin: 0; }
.claim-step p  { font-size: 0.78rem; color: rgba(255,255,255,0.70); margin: 0; }

/* Feature bullets in about section */
.cmp-about-text h2 { margin-bottom: 14px; }
.cmp-about-text p  { color: var(--text-light); margin-bottom: 12px; line-height: 1.7; }
.cmp-highlights { list-style: none; padding: 0; margin: 20px 0 0; display: flex; flex-direction: column; gap: 10px; }
.cmp-highlights li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.9rem; color: var(--text-light); }
.cmp-highlights li i { color: var(--primary); margin-top: 2px; }
.cmp-about-card {
  background: linear-gradient(135deg, var(--primary), #4338CA);
  border-radius: 20px; padding: 32px 28px; color: #fff;
}
.cmp-about-card .cab-row { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.cmp-about-card .cab-stat { text-align: center; padding: 14px; background: rgba(255,255,255,0.12); border-radius: 14px; flex: 1; }
.cmp-about-card .cab-stat strong { display: block; font-size: 1.4rem; font-weight: 800; }
.cmp-about-card .cab-stat span   { font-size: 0.72rem; color: rgba(255,255,255,0.7); }

/* Company hub page */
.companies-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; margin-top: 40px; }
.cmp-listing-card {
  background: #fff; border: 1.5px solid #E2E8F0; border-radius: 20px;
  padding: 28px 24px; text-decoration: none; display: flex; flex-direction: column;
  gap: 14px; transition: all 0.25s; position: relative; overflow: hidden;
}
.cmp-listing-card:hover { border-color: var(--primary); box-shadow: 0 12px 36px rgba(30,58,138,0.12); transform: translateY(-4px); }
.cmp-listing-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
}
.clc-header { display: flex; align-items: center; gap: 14px; }
.clc-logo { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1rem; font-weight: 900; color: #fff; flex-shrink: 0; }
.clc-name { font-size: 1.05rem; font-weight: 700; color: var(--primary); margin: 0; }
.clc-type { font-size: 0.75rem; color: var(--text-light); }
.clc-desc { font-size: 0.84rem; color: var(--text-light); margin: 0; line-height: 1.6; }
.clc-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.clc-chip { background: #EFF6FF; color: #1D4ED8; padding: 3px 10px; border-radius: 99px; font-size: 0.72rem; font-weight: 600; }
.clc-csr { display: flex; align-items: center; justify-content: space-between; border-top: 1px solid #F1F5F9; padding-top: 12px; }
.clc-csr-label { font-size: 0.75rem; color: var(--text-light); }
.clc-csr-value { font-size: 1rem; font-weight: 800; color: #059669; }
.clc-link { display: flex; align-items: center; gap: 6px; color: var(--primary); font-weight: 700; font-size: 0.85rem; margin-top: 4px; }
.clc-link i { transition: transform 0.2s; }
.cmp-listing-card:hover .clc-link i { transform: translateX(4px); }

@media (max-width: 768px) {
  .cmp-stats-bar { flex-direction: column; }
  .cmp-stat { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); }
  .cmp-stat:last-child { border-bottom: none; }
  .claim-steps { flex-direction: column; }
  .claim-step::after { display: none; }
}

/* ═══════════════════════════════════════════════════════
   ASK RAKESH Q&A SECTION
   ═══════════════════════════════════════════════════════ */

.ask-rakesh-section {
  padding: 80px 0 60px;
  background: linear-gradient(180deg, #f0f4ff 0%, #f8faff 100%);
  position: relative;
  overflow: hidden;
}

.ask-rakesh-section::before {
  content: '';
  position: absolute;
  top: -60px;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(67,56,202,0.06) 0%, transparent 70%);
  pointer-events: none;
}

/* ── Search Bar ── */
.aq-search-wrap {
  position: relative;
  max-width: 560px;
  margin: 0 auto 28px;
}

.aq-search-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: #94a3b8;
  font-size: 0.95rem;
}

.aq-search-wrap input {
  width: 100%;
  padding: 14px 44px 14px 42px;
  border: 2px solid #dde3ee;
  border-radius: 50px;
  font-size: 16px;
  font-family: 'IBM Plex Sans', sans-serif;
  background: #fff;
  color: var(--text);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  box-shadow: 0 2px 12px rgba(30,58,138,0.06);
}

.aq-search-wrap input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(30,58,138,0.08);
}

.aq-search-clear {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  background: #e2e8f0;
  border: none;
  border-radius: 50%;
  width: 24px;
  height: 24px;
  cursor: pointer;
  color: #64748b;
  font-size: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
}

.aq-search-clear:hover { background: #cbd5e1; }

/* ── Category Tabs ── */
.aq-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin-bottom: 32px;
}

.aq-tab {
  padding: 7px 16px;
  border-radius: 50px;
  border: 2px solid #dde3ee;
  background: #fff;
  color: var(--text-light);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'IBM Plex Sans', sans-serif;
  white-space: nowrap;
}

.aq-tab:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: #eef2ff;
}

.aq-tab.active {
  background: var(--gradient);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 4px 16px rgba(30,58,138,0.25);
}

/* ── Grid ── */
.aq-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 36px;
}

/* ── Card ── */
.aq-card {
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 2px 16px rgba(30,58,138,0.07);
  border: 1px solid #eef2ff;
  transition: transform 0.22s, box-shadow 0.22s;
}

.aq-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 32px rgba(30,58,138,0.14);
}

.aq-card[style*="display:none"] { display: none !important; }

/* ── Card Header ── */
.aq-card-head {
  padding: 16px 18px 14px;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.aq-card-icon {
  font-size: 1.35rem;
  line-height: 1;
}

.aq-card-title {
  font-size: 0.92rem;
  font-weight: 700;
  color: #fff;
  flex: 1;
}

.aq-card-count {
  background: rgba(255,255,255,0.22);
  color: #fff;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 99px;
  white-space: nowrap;
}

/* ── Question List ── */
.aq-questions {
  list-style: none;
  padding: 8px 0;
  margin: 0;
}

.aq-questions li {
  padding: 9px 18px;
  font-size: 0.83rem;
  color: var(--text);
  cursor: pointer;
  border-bottom: 1px solid #f1f5f9;
  transition: background 0.15s, color 0.15s, padding-left 0.15s;
  display: flex;
  align-items: center;
  gap: 8px;
  line-height: 1.4;
}

.aq-questions li::before {
  content: '→';
  color: #94a3b8;
  font-size: 0.8rem;
  flex-shrink: 0;
  transition: color 0.15s, transform 0.15s;
}

.aq-questions li:last-child { border-bottom: none; }

.aq-questions li:hover {
  background: #f0f4ff;
  color: var(--primary);
  padding-left: 22px;
}

.aq-questions li:hover::before {
  color: var(--primary);
  transform: translateX(3px);
}

.aq-questions li.aq-highlight {
  background: #fef9c3;
}

/* ── No Results ── */
.aq-no-results {
  text-align: center;
  padding: 40px 20px;
  color: var(--text-light);
}

.aq-no-results i {
  font-size: 2rem;
  color: #cbd5e1;
  margin-bottom: 12px;
  display: block;
}

.aq-no-results p {
  margin-bottom: 16px;
  font-size: 0.95rem;
}

.aq-no-results button {
  padding: 10px 24px;
  background: var(--gradient);
  color: #fff;
  border: none;
  border-radius: 50px;
  cursor: pointer;
  font-weight: 600;
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.9rem;
  transition: opacity 0.2s;
}

.aq-no-results button:hover { opacity: 0.88; }

/* ── CTA Bar ── */
.aq-cta {
  margin-top: 8px;
}

.aq-cta-inner {
  background: var(--gradient);
  border-radius: 20px;
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  box-shadow: 0 8px 32px rgba(30,58,138,0.22);
}

.aq-cta-inner h3 {
  color: #fff;
  font-size: 1.15rem;
  margin-bottom: 4px;
}

.aq-cta-inner p {
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
  margin: 0;
}

.aq-open-btn {
  white-space: nowrap;
  background: #fff !important;
  color: var(--primary) !important;
  border: none !important;
  font-weight: 700 !important;
  padding: 12px 28px !important;
  border-radius: 50px !important;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15) !important;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.92rem !important;
  cursor: pointer;
  transition: transform 0.2s, box-shadow 0.2s !important;
}

.aq-open-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.2) !important;
}

/* ── Responsive ── */
@media (max-width: 1100px) {
  .aq-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .ask-rakesh-section { padding: 56px 0 40px; }
  .aq-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .aq-cta-inner { flex-direction: column; text-align: center; }
  .aq-open-btn { width: 100%; justify-content: center; }
  .aq-tabs { gap: 6px; }
  .aq-tab { padding: 6px 12px; font-size: 0.78rem; }
}

@media (max-width: 480px) {
  .aq-grid { grid-template-columns: 1fr; }
  .aq-card-head { padding: 14px 16px 12px; }
  .aq-questions li { font-size: 0.82rem; padding: 8px 16px; }
  .aq-cta-inner { padding: 22px 20px; }
}

/* ═══ HOW IT WORKS ════════════════════════════════════════════════════════ */
.hiw-section {
  padding: 88px 0 72px;
  background: var(--gradient-soft);
}
.hiw-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 52px;
  position: relative;
}
.hiw-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px 36px;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.hiw-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.hiw-num {
  font-family: 'Poppins', sans-serif;
  font-size: 4rem;
  font-weight: 800;
  color: rgba(30,58,138,0.07);
  line-height: 1;
  margin-bottom: 4px;
}
.hiw-icon {
  width: 68px;
  height: 68px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 24px rgba(30,58,138,0.22);
}
.hiw-icon i { font-size: 1.6rem; color: #fff; }
.hiw-card h3 {
  font-family: 'Poppins', sans-serif;
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
}
.hiw-card p { color: var(--text-light); font-size: 0.92rem; line-height: 1.75; }
.hiw-connector {
  display: none;
  position: absolute;
  right: -22px;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  background: var(--gradient);
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  z-index: 2;
  box-shadow: 0 4px 12px rgba(30,58,138,0.25);
}
.hiw-connector i { color: #fff; font-size: 0.9rem; }
.hiw-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 48px;
  flex-wrap: wrap;
}
@media (min-width: 1024px) {
  .hiw-connector { display: flex; }
}
@media (max-width: 900px) {
  .hiw-grid { grid-template-columns: 1fr; max-width: 440px; margin-inline: auto; }
}
@media (max-width: 768px) {
  .hiw-section { padding: 60px 0 48px; }
  .hiw-card { padding: 28px 24px; }
}

/* ═══ HEALTH INSURANCE PROPOSAL FORM ═══════════════════════════════════ */
.hip-section {
  padding: 88px 0 80px;
  background: linear-gradient(180deg, #f0f4ff 0%, #fff 100%);
}
.hip-form { display: flex; flex-direction: column; gap: 28px; margin-top: 52px; }

/* Cards */
.hip-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
  border: 1.5px solid var(--border);
  transition: box-shadow var(--transition);
}
.hip-card:hover { box-shadow: var(--shadow-hover); }
.hip-card-head {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 28px;
  background: var(--gradient-soft);
  border-bottom: 1.5px solid var(--border);
}
.hip-card-head h3 {
  font-family: 'Poppins', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  margin: 0;
  flex: 1;
}
.hip-card-icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hip-card-icon i { color: #fff; font-size: 1rem; }
.hip-card-icon--health { background: linear-gradient(135deg,#e63946,#f97316); }
.hip-card-icon--contact { background: linear-gradient(135deg,#0891b2,#06b6d4); }
.hip-card-icon--nominee { background: linear-gradient(135deg,#7c3aed,#a855f7); }
.hip-card-badge {
  font-size: 0.72rem; font-weight: 600; color: var(--primary);
  background: rgba(30,58,138,0.10); padding: 3px 10px; border-radius: 20px;
}
.hip-body { padding: 28px; }

/* Row & Field layout */
.hip-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.hip-row:last-child { margin-bottom: 0; }
.hip-field { display: flex; flex-direction: column; gap: 6px; }
.hip-field--full { grid-column: 1 / -1; }
.hip-label {
  font-size: 0.85rem; font-weight: 600; color: var(--text);
  display: flex; align-items: center; gap: 6px;
}
.hip-req { color: var(--secondary); font-size: 1rem; line-height: 1; }
.hip-secondary-badge {
  font-size: 0.68rem; font-weight: 600; color: var(--gray);
  background: var(--gray-light); padding: 2px 8px; border-radius: 20px;
}
.hip-hint { font-size: 0.75rem; color: var(--gray); margin-top: 2px; }

/* Inputs */
.hip-input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 16px;
  color: var(--text);
  background: #fff;
  transition: border-color var(--transition), box-shadow var(--transition);
  box-sizing: border-box;
  -webkit-appearance: none;
  appearance: none;
}
.hip-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,58,138,0.10);
}
.hip-input--error { border-color: var(--secondary) !important; box-shadow: 0 0 0 3px rgba(230,57,70,0.10) !important; }
.hip-readonly { background: var(--gray-light); color: var(--gray-dark); cursor: not-allowed; }
.hip-select { cursor: pointer; }
.hip-textarea { resize: vertical; min-height: 80px; }

/* Input with unit */
.hip-input-unit { display: flex; align-items: stretch; }
.hip-input-unit .hip-input { border-right: none; border-radius: var(--radius) 0 0 var(--radius); }
.hip-unit {
  display: flex; align-items: center; padding: 0 14px;
  background: var(--gray-light); border: 1.5px solid var(--border);
  border-left: none; border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 0.82rem; font-weight: 600; color: var(--gray-dark); white-space: nowrap;
}
.hip-unit--left {
  border-left: 1.5px solid var(--border); border-right: none;
  border-radius: var(--radius) 0 0 var(--radius);
}
.hip-input--with-prefix {
  border-left: none !important;
  border-radius: 0 var(--radius) var(--radius) 0 !important;
}

/* Chip / Radio buttons */
.hip-chip-group {
  display: flex; flex-wrap: wrap; gap: 10px;
  padding: 2px 0;
}
.hip-chip-group--error .hip-chip { border-color: var(--secondary); }
.hip-chip {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 10px 18px;
  border: 2px solid var(--border);
  border-radius: 40px;
  font-size: 0.88rem; font-weight: 600; color: var(--text);
  cursor: pointer;
  transition: all var(--transition);
  user-select: none;
  min-height: 44px;
  touch-action: manipulation;
}
.hip-chip input[type="radio"] { display: none; }
.hip-chip:hover { border-color: var(--primary); color: var(--primary); background: rgba(30,58,138,0.04); }
.hip-chip--active {
  border-color: var(--primary) !important;
  background: var(--primary) !important;
  color: #fff !important;
  box-shadow: 0 4px 14px rgba(30,58,138,0.25);
}
.hip-chip--yes.hip-chip--active { background: linear-gradient(135deg,#dc2626,#ef4444) !important; border-color: #dc2626 !important; }
.hip-chip--no.hip-chip--active  { background: linear-gradient(135deg,#059669,#10b981) !important; border-color: #059669 !important; }

/* Health grid */
.hip-health-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}
.hip-yn-item { display: flex; flex-direction: column; gap: 10px; }
.hip-yn-label {
  font-size: 0.88rem; font-weight: 600; color: var(--text);
  display: flex; align-items: center; gap: 8px;
}
.hip-yn-label i { color: var(--primary); font-size: 0.9rem; }

/* PED detail */
.hip-ped-wrap { border-top: 1.5px dashed var(--border); padding-top: 20px; }
.hip-ped-detail {
  margin-top: 14px;
  padding: 16px;
  background: #fff8f8;
  border-radius: var(--radius);
  border: 1.5px solid rgba(230,57,70,0.20);
  animation: fadeIn 0.25s ease;
}
@keyframes fadeIn { from { opacity:0; transform:translateY(-6px); } to { opacity:1; transform:none; } }

/* Submit row */
.hip-submit-row {
  display: flex; flex-direction: column; align-items: center; gap: 12px;
  background: var(--white); border-radius: var(--radius-lg);
  padding: 36px 28px; box-shadow: var(--shadow);
  border: 1.5px solid var(--border); text-align: center;
}
.hip-privacy-note {
  font-size: 0.82rem; color: var(--gray-dark);
  display: flex; align-items: center; gap: 6px;
}
.hip-privacy-note i { color: #059669; }
.hip-submit-btn {
  padding: 16px 48px; font-size: 1rem; font-weight: 700;
  border-radius: 40px; min-height: 56px;
  transition: all 0.3s ease;
}
.hip-callback-note { font-size: 0.82rem; color: var(--gray); }

/* Responsive */
@media (max-width: 768px) {
  .hip-section { padding: 56px 0 48px; }
  .hip-row { grid-template-columns: 1fr; }
  .hip-health-grid { grid-template-columns: 1fr; }
  .hip-body { padding: 20px 16px; }
  .hip-card-head { padding: 16px 18px; }
}
@media (max-width: 480px) {
  .hip-chip { padding: 9px 14px; font-size: 0.82rem; }
  .hip-submit-btn { width: 100%; padding: 16px 20px; }
}

/* ═══ PARTNER INSURERS ══════════════════════════════════════════════ */
.hi-partners-section {
  padding: 48px 0;
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.hi-partners-head { text-align: center; margin-bottom: 32px; }
.hi-partners-label {
  display: inline-block;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gray); margin-bottom: 6px;
}
.hi-partners-head p { font-size: 0.92rem; color: var(--text-light); }
.hi-partners-grid {
  display: grid; grid-template-columns: repeat(8, 1fr); gap: 12px;
}
.hi-partner-logo {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  padding: 16px 10px; border-radius: var(--radius);
  border: 1.5px solid var(--border); background: var(--off-white);
  transition: all var(--transition); cursor: default;
  text-align: center;
}
.hi-partner-logo:hover { border-color: var(--primary); background: #fff; box-shadow: var(--shadow); }
.hpl-name { font-size: 0.8rem; font-weight: 700; color: var(--text); line-height: 1.3; }
.hpl-csr { font-size: 0.68rem; color: #16a34a; font-weight: 600; margin-top: 4px; }

/* ═══ TOP HEALTH PLANS ══════════════════════════════════════════════ */
.hi-plans-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px;
}
.hi-plan-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 2px solid var(--border); padding: 24px 20px 20px;
  position: relative; display: flex; flex-direction: column; gap: 0;
  transition: all var(--transition); overflow: hidden;
}
.hi-plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); border-color: rgba(30,58,138,0.3); }
.hi-plan-card--best { border-color: var(--cta-gold); background: linear-gradient(160deg, #fffbf2 0%, #fff 60%); }
.hi-plan-badge {
  position: absolute; top: 0; right: 0;
  background: var(--gradient-gold); color: #fff;
  font-size: 0.7rem; font-weight: 700; padding: 5px 14px;
  border-radius: 0 var(--radius-lg) 0 var(--radius);
}
.hi-plan-insurer { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.hi-plan-logo {
  width: 52px; height: 52px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif; font-size: 0.65rem; font-weight: 800;
  text-align: center; line-height: 1.2; flex-shrink: 0; color: #fff;
}
.hdfc-logo { background: linear-gradient(135deg,#003087,#005eb8); }
.bajaj-logo { background: linear-gradient(135deg,#003399,#0055cc); }
.niva-logo { background: linear-gradient(135deg,#c41e3a,#e63946); }
.icici-logo { background: linear-gradient(135deg,#f97316,#ea580c); }
.hi-plan-name { font-family: 'Poppins', sans-serif; font-size: 0.9rem; font-weight: 700; color: var(--text); }
.hi-plan-csr { font-size: 0.72rem; color: #16a34a; font-weight: 600; margin-top: 3px; }
.hi-plan-csr i { margin-right: 3px; }
.hi-plan-divider { height: 1px; background: var(--border); margin: 0 0 14px; }
.hi-plan-features { display: flex; flex-direction: column; gap: 7px; flex: 1; margin-bottom: 16px; }
.hi-plan-feature { font-size: 0.82rem; color: var(--text-light); display: flex; align-items: flex-start; gap: 7px; }
.hi-plan-feature i { color: #16a34a; font-size: 0.75rem; margin-top: 2px; flex-shrink: 0; }
.hi-plan-price {
  background: var(--gray-light); border-radius: var(--radius);
  padding: 12px 14px; margin-bottom: 14px; text-align: center;
}
.hi-plan-from { display: block; font-size: 0.72rem; color: var(--gray); font-weight: 500; }
.hi-plan-amount { display: block; font-family: 'Poppins', sans-serif; font-size: 1.4rem; font-weight: 800; color: var(--primary); }
.hi-plan-amount small { font-size: 0.75rem; font-weight: 500; color: var(--gray); }
.hi-plan-who { display: block; font-size: 0.72rem; color: var(--gray); margin-top: 2px; }
.hi-plan-btn {
  display: block; text-align: center; padding: 12px 16px; border-radius: 40px;
  font-size: 0.85rem; font-weight: 700; text-decoration: none; min-height: 44px;
  display: flex; align-items: center; justify-content: center; gap: 6px;
  transition: all var(--transition);
}
.btn-outline-blue {
  border: 2px solid var(--primary); color: var(--primary); background: transparent;
}
.btn-outline-blue:hover { background: var(--primary); color: #fff; }
.hi-plans-note {
  margin-top: 24px; text-align: center; font-size: 0.82rem; color: var(--gray);
  background: var(--gray-light); border-radius: var(--radius); padding: 14px 20px;
}
.hi-plans-note i { margin-right: 6px; color: var(--primary); }

/* ═══ PREMIUM CALCULATOR ═════════════════════════════════════════════ */
.hi-calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hi-calc-left h2 { margin-bottom: 16px; }
.hi-calc-left p { color: var(--text-light); font-size: 0.95rem; line-height: 1.7; margin-bottom: 24px; }
.hi-calc-bullets { display: flex; flex-direction: column; gap: 10px; }
.hi-cb { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; color: var(--text); font-weight: 500; }
.hi-cb i { color: #16a34a; font-size: 0.9rem; }
.hi-calc-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-hover); border: 1.5px solid var(--border);
  padding: 32px 28px;
}
.hi-calc-card h3 { font-family: 'Poppins', sans-serif; font-size: 1.05rem; font-weight: 700; color: var(--text); margin-bottom: 24px; }
.hi-calc-card h3 i { color: var(--primary); margin-right: 8px; }
.hi-calc-form { display: flex; flex-direction: column; gap: 20px; }
.hi-cf-group { display: flex; flex-direction: column; gap: 8px; }
.hi-cf-group label { font-size: 0.82rem; font-weight: 600; color: var(--text); text-transform: uppercase; letter-spacing: 0.05em; }
.hi-cf-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.hi-cf-chip {
  padding: 8px 14px; border-radius: 30px; border: 1.5px solid var(--border);
  background: var(--gray-light); font-size: 0.82rem; font-weight: 600; color: var(--text);
  cursor: pointer; transition: all var(--transition); min-height: 36px;
  touch-action: manipulation;
}
.hi-cf-chip:hover { border-color: var(--primary); color: var(--primary); }
.hi-cf-chip--active { border-color: var(--primary); background: var(--primary); color: #fff; }
.hi-calc-result {
  background: linear-gradient(135deg, #eef2ff, #e8efff);
  border-radius: var(--radius); padding: 18px 20px; text-align: center;
  border: 1.5px solid rgba(30,58,138,0.15);
}
.hi-cr-label { font-size: 0.78rem; font-weight: 600; color: var(--gray); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 6px; }
.hi-cr-range { font-family: 'Poppins', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--primary); }
.hi-cr-note { font-size: 0.75rem; color: var(--gray); margin-top: 4px; }
.hi-calc-cta { width: 100%; text-align: center; justify-content: center; margin-top: 4px; }

/* ═══ TESTIMONIALS ══════════════════════════════════════════════════ */
.hi-review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
.hi-review-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 24px;
  display: flex; flex-direction: column; gap: 14px;
  transition: all var(--transition);
}
.hi-review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.hi-review-card--featured { border-color: var(--cta-gold); background: linear-gradient(160deg,#fffbf2,#fff); }
.hi-stars { color: #f59e0b; font-size: 1rem; letter-spacing: 2px; }
.hi-review-text { font-size: 0.88rem; color: var(--text-light); line-height: 1.7; flex: 1; font-style: italic; }
.hi-reviewer { display: flex; align-items: center; gap: 12px; padding-top: 12px; border-top: 1px solid var(--border); }
.hi-reviewer-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--gradient); color: #fff;
  font-family: 'Poppins', sans-serif; font-size: 0.85rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.hi-reviewer-name { font-size: 0.88rem; font-weight: 700; color: var(--text); }
.hi-reviewer-meta { font-size: 0.72rem; color: var(--gray); margin-top: 2px; }
.hi-review-summary {
  display: flex; justify-content: center; gap: 48px;
  margin-top: 48px; padding: 28px; border-radius: var(--radius-lg);
  background: var(--gradient); flex-wrap: wrap;
}
.hi-rs-item { display: flex; flex-direction: column; align-items: center; gap: 4px; }
.hi-rs-item i { color: #F59E0B; font-size: 1.2rem; }
.hi-rs-item strong { font-family: 'Poppins', sans-serif; font-size: 1.4rem; font-weight: 800; color: #fff; }
.hi-rs-item span { font-size: 0.78rem; color: rgba(255,255,255,0.75); }

/* ═══ HEALTH FAQ ════════════════════════════════════════════════════ */
.hi-faq-grid { max-width: 820px; margin: 48px auto 0; display: flex; flex-direction: column; gap: 12px; }
.hi-faq-item {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); overflow: hidden; transition: border-color var(--transition);
}
.hi-faq-item.hi-faq-open { border-color: var(--primary); }
.hi-faq-q {
  width: 100%; background: none; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px 20px; text-align: left; min-height: 56px; touch-action: manipulation;
}
.hi-faq-q span { font-size: 0.92rem; font-weight: 600; color: var(--text); line-height: 1.4; }
.hi-faq-icon { color: var(--primary); font-size: 0.9rem; flex-shrink: 0; transition: transform var(--transition); }
.hi-faq-open .hi-faq-icon { transform: rotate(45deg); }
.hi-faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
  padding: 0 20px;
}
.hi-faq-open .hi-faq-a { max-height: 200px; padding: 0 20px 18px; }
.hi-faq-a p { font-size: 0.88rem; color: var(--text-light); line-height: 1.7; }

/* Responsive — new sections */
@media (max-width: 1024px) {
  .hi-plans-grid { grid-template-columns: repeat(2, 1fr); }
  .hi-partners-grid { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 900px) {
  .hi-calc-wrap { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 768px) {
  .hi-plans-grid { grid-template-columns: 1fr; }
  .hi-review-grid { grid-template-columns: 1fr; }
  .hi-review-summary { gap: 28px; }
  .hi-partners-grid { grid-template-columns: repeat(4, 1fr); }
  .hi-calc-card { padding: 24px 18px; }
}
@media (max-width: 480px) {
  .hi-partners-grid { grid-template-columns: repeat(2, 1fr); }
  .hi-review-summary { gap: 20px; }
  .hi-rs-item strong { font-size: 1.1rem; }
  .hi-plans-grid { gap: 14px; }
}

/* ═══ MOTOR INSURANCE PROPOSAL FORM ══════════════════════════════════ */
.mip-section {
  padding: 88px 0 80px;
  background: linear-gradient(180deg, #f0f4ff 0%, #fff 100%);
}
.mip-form { display: flex; flex-direction: column; gap: 28px; margin-top: 52px; }

/* Vehicle type toggle */
.mip-type-row {
  display: flex; gap: 14px; flex-wrap: wrap;
}
.mip-type-chip {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 28px; border-radius: 40px;
  border: 2px solid var(--border); background: var(--white);
  font-size: 0.95rem; font-weight: 700; color: var(--text);
  cursor: pointer; transition: all var(--transition); min-height: 52px;
  touch-action: manipulation; user-select: none;
}
.mip-type-chip input[type="radio"] { display: none; }
.mip-type-chip i { font-size: 1.1rem; }
.mip-type-chip:hover { border-color: var(--primary); color: var(--primary); }
.mip-type-chip--active {
  border-color: var(--primary); background: var(--primary); color: #fff;
  box-shadow: 0 6px 20px rgba(30,58,138,0.25);
}

/* Cards */
.mip-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); overflow: hidden;
  border: 1.5px solid var(--border); transition: box-shadow var(--transition);
}
.mip-card:hover { box-shadow: var(--shadow-hover); }
.mip-card-head {
  display: flex; align-items: center; gap: 14px;
  padding: 20px 28px; background: var(--gradient-soft);
  border-bottom: 1.5px solid var(--border);
}
.mip-card-head h3 {
  font-family: 'Poppins', sans-serif; font-size: 1.05rem; font-weight: 700;
  color: var(--text); margin: 0; flex: 1;
}
.mip-card-icon {
  width: 42px; height: 42px; border-radius: 10px; background: var(--gradient);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.mip-card-icon i { color: #fff; font-size: 1rem; }
.mip-card-icon--owner { background: linear-gradient(135deg,#0891b2,#06b6d4); }
.mip-card-icon--nominee { background: linear-gradient(135deg,#7c3aed,#a855f7); }
.mip-card-badge {
  font-size: 0.72rem; font-weight: 600; color: var(--primary);
  background: rgba(30,58,138,0.10); padding: 3px 10px; border-radius: 20px;
}
.mip-body { padding: 28px; }

/* Row & Field */
.mip-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.mip-row:last-child { margin-bottom: 0; }
.mip-field { display: flex; flex-direction: column; gap: 6px; }
.mip-field--full { grid-column: 1 / -1; }
.mip-label {
  font-size: 0.85rem; font-weight: 600; color: var(--text);
  display: flex; align-items: center; gap: 6px;
}
.mip-req { color: var(--secondary); font-size: 1rem; line-height: 1; }
.mip-secondary-badge {
  font-size: 0.68rem; font-weight: 600; color: var(--gray);
  background: var(--gray-light); padding: 2px 8px; border-radius: 20px;
}
.mip-hint { font-size: 0.75rem; color: var(--gray); margin-top: 2px; }

/* Inputs */
.mip-input {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif; font-size: 16px; color: var(--text);
  background: #fff; transition: border-color var(--transition), box-shadow var(--transition);
  box-sizing: border-box; -webkit-appearance: none; appearance: none;
}
.mip-input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(30,58,138,0.10); }
.mip-input--error { border-color: var(--secondary) !important; box-shadow: 0 0 0 3px rgba(230,57,70,0.10) !important; }
.mip-readonly { background: var(--gray-light); color: var(--gray-dark); cursor: not-allowed; }
.mip-select { cursor: pointer; }
.mip-uppercase { text-transform: uppercase; letter-spacing: 0.04em; }

/* Input with unit prefix */
.mip-input-unit { display: flex; align-items: stretch; }
.mip-input-unit .mip-input { border-left: none; border-radius: 0 var(--radius) var(--radius) 0; }
.mip-unit {
  display: flex; align-items: center; padding: 0 14px;
  background: var(--gray-light); border: 1.5px solid var(--border);
  font-size: 0.82rem; font-weight: 600; color: var(--gray-dark); white-space: nowrap;
}
.mip-unit--left { border-radius: var(--radius) 0 0 var(--radius); border-right: none; }
.mip-input--with-prefix { border-radius: 0 var(--radius) var(--radius) 0 !important; }

/* Chips */
.mip-chip-group { display: flex; flex-wrap: wrap; gap: 10px; padding: 2px 0; }
.mip-chip-group--error .mip-chip { border-color: var(--secondary); }
.mip-chip {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 10px 18px; border: 2px solid var(--border); border-radius: 40px;
  font-size: 0.88rem; font-weight: 600; color: var(--text);
  cursor: pointer; transition: all var(--transition);
  user-select: none; min-height: 44px; touch-action: manipulation;
}
.mip-chip input[type="radio"] { display: none; }
.mip-chip:hover { border-color: var(--primary); color: var(--primary); background: rgba(30,58,138,0.04); }
.mip-chip--active { border-color: var(--primary) !important; background: var(--primary) !important; color: #fff !important; box-shadow: 0 4px 14px rgba(30,58,138,0.25); }
.mip-chip--yes.mip-chip--active { background: linear-gradient(135deg,#dc2626,#ef4444) !important; border-color: #dc2626 !important; }
.mip-chip--no.mip-chip--active  { background: linear-gradient(135deg,#059669,#10b981) !important; border-color: #059669 !important; }

/* Submit */
.mip-submit-row {
  display: flex; flex-direction: column; align-items: center; gap: 12px;
  background: var(--white); border-radius: var(--radius-lg);
  padding: 36px 28px; box-shadow: var(--shadow);
  border: 1.5px solid var(--border); text-align: center;
}
.mip-privacy-note { font-size: 0.82rem; color: var(--gray-dark); display: flex; align-items: center; gap: 6px; }
.mip-privacy-note i { color: #059669; }
.mip-submit-btn { padding: 16px 48px; font-size: 1rem; font-weight: 700; border-radius: 40px; min-height: 56px; transition: all 0.3s ease; }
.mip-callback-note { font-size: 0.82rem; color: var(--gray); }

/* Responsive */
@media (max-width: 768px) {
  .mip-section { padding: 56px 0 48px; }
  .mip-row { grid-template-columns: 1fr; }
  .mip-body { padding: 20px 16px; }
  .mip-card-head { padding: 16px 18px; }
  .mip-type-chip { padding: 12px 20px; font-size: 0.88rem; }
}
@media (max-width: 480px) {
  .mip-chip { padding: 9px 14px; font-size: 0.82rem; }
  .mip-submit-btn { width: 100%; padding: 16px 20px; }
  .mip-type-row { flex-direction: column; }
  .mip-type-chip { width: 100%; justify-content: center; }
}

/* ═══════════════════════════════════════
   GLOBAL MOBILE IMPROVEMENTS
═══════════════════════════════════════ */

/* Prevent horizontal overflow on all screens */
html, body { overflow-x: hidden; max-width: 100%; }
*, *::before, *::after { box-sizing: border-box; }

/* Minimum touch targets for all interactive elements */
@media (max-width: 768px) {
  button, a, input, select, textarea, .btn, [role="button"] {
    touch-action: manipulation;
  }
  button, .btn, a.btn, input[type="submit"] {
    min-height: 44px;
  }

  /* Better readable font sizes on small screens */
  body { font-size: 15px; }
  p, li { font-size: max(14px, 0.9rem); line-height: 1.65; }

  /* Fluid images */
  img { max-width: 100%; height: auto; }

  /* Cards and grids — prevent overflow */
  .container { padding: 0 16px; }

  /* Tables scroll horizontally on mobile */
  table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }

  /* Forms — full width on mobile */
  input, select, textarea { width: 100%; font-size: 16px; }

  /* Chatbot — better mobile positioning */
  .chatbot-window {
    width: calc(100vw - 24px) !important;
    right: 12px !important;
    left: 12px !important;
    bottom: 70px !important;
    max-height: 70dvh !important;
    padding-bottom: max(16px, env(safe-area-inset-bottom));
  }

  /* Section headings — better mobile sizing */
  .section-header h2 { font-size: clamp(1.4rem, 5.5vw, 2rem); }
  .section-subtitle { font-size: 0.92rem; }

  /* Grids — single column on small screens */
  .grid-3, .grid-4 { grid-template-columns: 1fr !important; }

  /* Stat numbers in hero */
  .stat strong { font-size: 1.5rem; }

  /* WhatsApp float button — safe area */
  .whatsapp-float { bottom: max(20px, env(safe-area-inset-bottom) + 10px); }

  /* Back to top — sits ABOVE the WhatsApp float, not on top of it */
  .back-to-top { bottom: max(88px, env(safe-area-inset-bottom) + 78px); }
}

@media (max-width: 480px) {
  .container { padding: 0 12px; }
  .section-header h2 { font-size: clamp(1.3rem, 6vw, 1.8rem); }
  h1 { font-size: clamp(1.6rem, 7vw, 2.2rem) !important; }
  .btn, .btn-primary, .btn-outline { width: 100%; justify-content: center; text-align: center; }
  .hero-btns { flex-direction: column; gap: 12px; }
  .hero-btns .btn, .hero-btns .btn-primary, .hero-btns .btn-outline { width: 100%; justify-content: center; }
  .tab-form-grid { padding: 16px; }
  .contact-form-wrap { padding: 20px 16px; }
  .modal { padding: 24px 16px; width: calc(100% - 24px) !important; }
}

/* ══════════════════════════════════════════
   LANDING PAGE (lp-*)
   ══════════════════════════════════════════ */

.lp-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 1px solid #e8ecf3;
  padding: 14px 0;
  transition: box-shadow 0.3s ease;
}
.lp-header.scrolled { box-shadow: 0 2px 20px rgba(30,58,138,0.10); }
.lp-header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.lp-header-inner .logo-img { height: 42px; }
.lp-header-ctas { display: flex; align-items: center; gap: 12px; }
.lp-header-ctas .btn-primary { padding: 10px 22px; font-size: 0.9rem; }
.lp-header-ctas .btn-outline { padding: 9px 20px; font-size: 0.9rem; }

.lp-hero-inner { max-width: 880px; margin: 0 auto; text-align: center; }
.lp-hero-inner h1 { color: #fff; margin-bottom: 20px; font-size: clamp(2rem, 4.6vw, 3.4rem); }
.lp-hero-inner > p { color: rgba(255,255,255,0.78); font-size: 1.05rem; line-height: 1.7; max-width: 640px; margin: 0 auto; }
.lp-hero-inner .hero-badge { display: inline-block; margin-bottom: 24px; }
.lp-hero-logo {
  background: #fff;
  border-radius: 16px;
  padding: 14px 30px;
  display: block;
  width: fit-content;
  margin: 0 auto 26px;
  box-shadow: var(--shadow-hover);
}
.lp-hero-logo img { height: 64px; }
.lp-hero-inner .hero-btns { justify-content: center; margin-bottom: 20px; }
.lp-trust-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px 24px;
  margin: 22px 0 28px;
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 600;
}
.lp-trust-row span { display: inline-flex; align-items: center; gap: 6px; }
.lp-trust-row i { color: #67E8F9; }
.lp-hero-note {
  max-width: 520px;
  margin: 0 auto;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius);
  padding: 16px 22px;
  color: rgba(255,255,255,0.75);
  font-size: 0.85rem;
  line-height: 1.6;
  display: flex;
  align-items: center;
  gap: 12px;
}
.lp-hero-note i { color: var(--accent); font-size: 1.1rem; flex-shrink: 0; }

.lp-stats-section { background: #fff; padding: 36px 0; border-bottom: 1px solid var(--border); }
.lp-stats-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; text-align: center; }

.lp-cards-section { padding: 80px 0; background: var(--off-white); }
.lp-cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.lp-icon { background: #eef2ff; color: var(--primary); }

.lp-benefits-section { padding: 80px 0; background: var(--gradient-soft); }
.lp-testimonial-section { padding: 80px 0; background: #fff; }
.lp-testimonial-section .section-eyebrow { display: block; text-align: center; }
.lp-testimonial-section .testimonial-card {
  max-width: 680px; margin: 0 auto; text-align: center;
  background: #fff; border: none; box-shadow: var(--shadow); backdrop-filter: none;
}
.lp-testimonial-section .testimonial-card p { color: var(--text-light); }
.lp-testimonial-section .quote-icon { text-align: center; font-size: 2rem; color: var(--secondary); opacity: 0.5; }
.lp-testimonial-section .testimonial-author { justify-content: center; }
.lp-testimonial-section .testimonial-author strong { color: var(--text); }
.lp-testimonial-section .testimonial-author span { color: var(--text-light); }
.lp-testimonial-section .stars { color: #f59e0b; }
.lp-testimonial-section .author-avatar { background: var(--gradient); }

.lp-dark-section { background: var(--gradient-hero); padding: 80px 0; position: relative; }
.lp-dark-section .section-header h2 { color: #fff; }
.lp-dark-section .section-header p { color: rgba(255,255,255,0.68); }
.lp-dark-section .section-eyebrow { color: var(--accent); }
.lp-dark-section .gradient-text { background: var(--gradient-gold); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.lp-dark-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
.lp-dark-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: var(--transition);
}
.lp-dark-card:hover { background: rgba(255,255,255,0.09); transform: translateY(-4px); }
.lp-dark-card h3 { color: #fff; margin-bottom: 10px; }
.lp-dark-card p { color: rgba(255,255,255,0.68); font-size: 0.92rem; line-height: 1.65; }
.lp-dark-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: rgba(244,162,97,0.18);
  color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 16px;
}
.lp-quote-block {
  background: var(--gradient-gold);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  text-align: center;
  box-shadow: var(--shadow-gold);
  margin-bottom: 32px;
}
.lp-quote-block p { color: #fff; font-size: 1.05rem; font-style: italic; line-height: 1.75; }
.lp-dark-section .lp-cta-center { text-align: center; }

.lp-benefits-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }

.lp-final-cta { background: var(--gradient-hero); padding: 80px 0; text-align: center; }
.lp-final-cta .section-eyebrow { color: var(--accent); }
.lp-final-cta h2 { color: #fff; margin-bottom: 14px; }
.lp-final-cta p { color: rgba(255,255,255,0.75); max-width: 560px; margin: 0 auto 32px; }
.lp-final-cta .hero-btns { justify-content: center; margin-bottom: 24px; }
.lp-final-cta .btn-outline { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.60); color: rgba(255,255,255,0.90); }
.lp-final-cta .btn-outline:hover { background: rgba(255,255,255,0.18); border-color: rgba(255,255,255,0.90); color: #fff; }
.lp-final-trust { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px 26px; color: rgba(255,255,255,0.60); font-size: 0.85rem; }
.lp-final-trust i { color: var(--accent); margin-right: 5px; }

@media (max-width: 1024px) {
  .lp-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .lp-dark-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .lp-stats-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .lp-cards-grid { grid-template-columns: 1fr; }
  .lp-dark-grid { grid-template-columns: 1fr; }
  .lp-benefits-grid { grid-template-columns: 1fr; }
  .lp-hero-logo { padding: 12px 22px; }
  .lp-hero-logo img { height: 52px; }
  .lp-header-ctas .btn-outline { display: none; }
  .lp-quote-block { padding: 28px 22px; }
}
@media (max-width: 480px) {
  .lp-header-inner .logo-img { height: 34px; }
  .lp-header-ctas .btn-primary { padding: 9px 16px; font-size: 0.82rem; }
}

/* ═══════════════════════════════════════════════
   DESIGN SYSTEM 2.0 — PROFESSIONAL POLISH LAYER
   Top-brand typography, focus states & refinements.
   Uses existing tokens only; overrides via cascade.
   ═══════════════════════════════════════════════ */

/* ── Type rendering ── */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

/* ── Display type scale — tighter tracking, balanced wrapping ── */
h1 {
  font-size: clamp(2.3rem, 5.2vw, 3.9rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.025em;
  text-wrap: balance;
}
h2 {
  font-size: clamp(1.65rem, 3.5vw, 2.5rem);
  letter-spacing: -0.02em;
  line-height: 1.14;
  text-wrap: balance;
}
h3 { letter-spacing: -0.01em; }
.hero-text p, .section-subtitle, .section-header p { font-size: 1.06rem; line-height: 1.75; }
.section-header p { max-width: 620px; margin-left: auto; margin-right: auto; }

/* ── Eyebrow — refined bronze micro-label (was alarm red) ── */
.section-eyebrow {
  color: var(--cta-gold);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  font-weight: 700;
}

/* ── Text selection ── */
::selection { background: var(--primary); color: #fff; }

/* ── Visible keyboard focus (WCAG 2.4.7) ── */
:focus-visible {
  outline: 3px solid rgba(30, 58, 138, 0.5);
  outline-offset: 2px;
  border-radius: 4px;
}
.btn-primary:focus-visible, .btn-outline:focus-visible {
  outline: 3px solid rgba(180, 83, 9, 0.55);
  outline-offset: 3px;
}

/* ── Numerals — stats align like a ledger ── */
.stat strong, .trust-text strong, .calculator-result strong,
.lp-stats-grid strong { font-variant-numeric: tabular-nums; }

/* ── Glass navbar — premium sticky treatment ── */
.navbar {
  background: rgba(255, 255, 255, 0.88);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  backdrop-filter: saturate(180%) blur(14px);
}

/* ── Buttons — micro-refinements ── */
.btn-primary, .btn-outline { letter-spacing: 0.01em; touch-action: manipulation; }

/* ── One CTA color — topbar button joins the gold system (was alarm red) ── */
.btn-top { background: var(--gradient-gold); }

/* ═══════════════════════════════════════════════
   APPLE-CLEAN LIGHT THEME — depth & air
   Near-white ground, near-black feature sections,
   layered shadows, generous section rhythm.
   ═══════════════════════════════════════════════ */

/* ── Air: generous vertical rhythm on all main sections ── */
section[class*="-section"] {
  padding-top: clamp(64px, 8vw, 112px);
  padding-bottom: clamp(64px, 8vw, 112px);
}
.lp-stats-section { padding-top: 36px; padding-bottom: 36px; }
.section-header { margin-bottom: 56px; }

/* ── Feature sections go near-black with a soft blue glow ── */
.insurance-details-section,
.testimonials-section {
  background:
    radial-gradient(1100px 520px at 85% -10%, rgba(58, 98, 214, 0.30), transparent 62%),
    linear-gradient(160deg, #05070f 0%, #0a142e 62%, #12255e 100%);
}

/* ── Card depth — lift with layered shadow (tilt takes over where loaded) ── */
.service-card, .why-card, .aq-card, .clc-logo, .sp-cover-card, .blog-card {
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.service-card:hover, .why-card:hover, .aq-card:hover,
.clc-logo:hover, .sp-cover-card:hover, .blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

/* ── Photo bands — real-world ambience under a deep navy veil ── */
.photo-band {
  position: relative;
  padding: clamp(84px, 10vw, 140px) 0;
  background-size: cover;
  background-position: center;
  text-align: center;
}
.photo-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(5, 7, 15, 0.84) 0%, rgba(12, 28, 78, 0.72) 100%);
}
.photo-band .container { position: relative; z-index: 1; max-width: 780px; }
.photo-band--consult { background-image: url('consult-bg.webp'); }
.photo-band--docs { background-image: url('docs-bg.webp'); }
.photo-band .section-eyebrow { color: #F59E0B; }
.photo-band h2 { color: #fff; margin-bottom: 14px; }
.photo-band p { color: rgba(255, 255, 255, 0.80); font-size: 1.06rem; line-height: 1.75; margin-bottom: 30px; }

/* ── Category hero photos — subject ambience under the navy veil ── */
.sph--health   { background: linear-gradient(150deg, rgba(5,7,15,0.88) 0%, rgba(12,28,78,0.80) 60%, rgba(22,53,127,0.74) 100%), url('hero-health.webp') center/cover; }
.sph--life     { background: linear-gradient(150deg, rgba(5,7,15,0.86) 0%, rgba(12,28,78,0.78) 60%, rgba(22,53,127,0.72) 100%), url('hero-life.webp') center/cover; }
.sph--motor    { background: linear-gradient(150deg, rgba(5,7,15,0.88) 0%, rgba(12,28,78,0.80) 60%, rgba(22,53,127,0.74) 100%), url('hero-motor.webp') center/cover; }
.sph--travel   { background: linear-gradient(150deg, rgba(5,7,15,0.84) 0%, rgba(12,28,78,0.76) 60%, rgba(22,53,127,0.70) 100%), url('hero-travel.webp') center/cover; }
.sph--home     { background: linear-gradient(150deg, rgba(5,7,15,0.86) 0%, rgba(12,28,78,0.78) 60%, rgba(22,53,127,0.72) 100%), url('hero-home.webp') center/cover; }
.sph--business { background: linear-gradient(150deg, rgba(5,7,15,0.86) 0%, rgba(12,28,78,0.78) 60%, rgba(22,53,127,0.72) 100%), url('hero-business.webp') center/cover; }

/* ── Hero gradient-text readable on dark/photo heroes ── */
.service-page-hero .gradient-text {
  background: linear-gradient(135deg, #93c5fd 0%, #c4b5fd 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── Landing page: access to the full website ── */
.lp-explore-more { margin-top: 26px; color: rgba(255, 255, 255, 0.75); font-size: 0.95rem; text-align: center; }
.lp-explore-more a { color: #93c5fd; font-weight: 700; transition: var(--transition); }
.lp-explore-more a:hover, .lp-explore-more a:focus-visible { color: #fff; }
@media (max-width: 768px) {
  .lp-header-ctas .lp-explore-link { display: inline-flex; padding: 8px 12px; font-size: 0.75rem; white-space: nowrap; }
  .lp-header-ctas .lp-explore-link i { display: none; }
}

/* ── Explore Full Website — hero treatment for the site gateway ── */
.lp-header-ctas .lp-explore-link {
  background: linear-gradient(135deg, #1E3A8A 0%, #4338ca 55%, #6d28d9 100%);
  background-size: 180% 180%;
  color: #fff;
  border: none;
  padding: 11px 24px;
  font-weight: 700;
  box-shadow: 0 4px 18px rgba(67, 56, 202, 0.45);
  position: relative;
  overflow: hidden;
  animation: lp-explore-drift 6s ease infinite;
}
.lp-header-ctas .lp-explore-link::after {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 55%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.35), transparent);
  transform: skewX(-18deg);
  animation: lp-explore-shine 3.2s ease infinite;
}
.lp-header-ctas .lp-explore-link i { color: #c4b5fd; }
.lp-header-ctas .lp-explore-link:hover,
.lp-header-ctas .lp-explore-link:focus-visible {
  background: linear-gradient(135deg, #1E3A8A 0%, #4338ca 55%, #6d28d9 100%);
  background-size: 180% 180%;
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(67, 56, 202, 0.6);
}
@keyframes lp-explore-drift {
  0%, 100% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
}
@keyframes lp-explore-shine {
  0% { left: -100%; }
  55%, 100% { left: 160%; }
}

/* Bottom explore link — arrow slides on hover */
.lp-explore-more a { display: inline-flex; align-items: center; gap: 6px; }
.lp-explore-more a i { transition: transform var(--transition); }
.lp-explore-more a:hover i { transform: translateX(5px); }

/* ── Insurer latest-updates section ── */
.ins-updates-section { padding: 72px 0; background: var(--white); }
.ins-updates-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
@media (max-width: 768px) { .ins-updates-grid { grid-template-columns: 1fr; } }
.ins-update-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.ins-update-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.ins-update-date {
  display: inline-block;
  background: var(--gradient-soft);
  color: var(--primary);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: 50px;
  padding: 4px 12px;
  margin-bottom: 10px;
}
.ins-update-card h4 { margin-bottom: 6px; font-size: 1.02rem; }
.ins-update-card p { color: var(--text-light); font-size: 0.9rem; line-height: 1.65; margin: 0; }
.ins-updates-note { margin-top: 18px; font-size: 0.8rem; color: var(--gray); text-align: center; }