/* ===== ICONS ===== */
.usp-icon i { font-size: 1.5rem; color: #fff; }
.service-icon { width: 68px; height: 68px; border-radius: 16px; background: linear-gradient(135deg, var(--primary), #1a6bb5); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.service-icon i { font-size: 1.7rem; color: #fff; }
.hero-badge i { margin-right: 5px; color: var(--accent); }
.about-bullet .icon i { font-size: 0.7rem; color: white; }
.urgency-bar .icon i { font-size: 1.4rem; color: var(--accent); }
.cta-slide-icon i { font-size: 8rem; opacity: 0.18; color: white; }
.slider-card .service-icon { margin: 0 auto 12px; }
.nav-dropdown .dropdown-menu a i { width: 18px; color: var(--accent); margin-right: 4px; }
.social-post .platform i { margin-right: 6px; color: var(--accent); font-size: 1rem; }
.team-avatar i { font-size: 3.5rem; color: rgba(255,255,255,0.9); }
.step-num { width: 72px; height: 72px; border-radius: 50%; background: var(--primary); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; border: 4px solid var(--white); box-shadow: 0 0 0 3px var(--accent); }
.step-num i { font-size: 1.4rem; color: white; }
.authority-item i { font-size: 1.5rem; color: var(--accent); display: block; margin-bottom: 6px; }
.review-stars i { color: var(--accent); font-size: 1rem; margin-right: 1px; }
.btn i { margin-right: 6px; }
.service-card a i { margin-left: 4px; font-size: 0.8rem; }

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
:root {
  --primary: #0a3d6b;
  --accent: #e8a020;
  --light: #f5f8fc;
  --dark: #111827;
  --gray: #6b7280;
  --white: #ffffff;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(10,61,107,0.10);
  --transition: 0.3s ease;
}
html { scroll-behavior: smooth; }
body { font-family: 'Segoe UI', Arial, sans-serif; color: var(--dark); background: var(--white); line-height: 1.7; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ===== TYPOGRAPHY ===== */
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { color: var(--gray); }

/* ===== BUTTONS ===== */
.btn { display: inline-block; padding: 14px 32px; border-radius: 50px; font-weight: 600; font-size: 1rem; cursor: pointer; border: none; transition: var(--transition); }
.btn-primary { background: var(--accent); color: var(--white); }
.btn-primary:hover { background: #c8880e; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid var(--white); }
.btn-outline:hover { background: var(--white); color: var(--primary); }
.btn-dark { background: var(--primary); color: var(--white); }
.btn-dark:hover { background: #072d52; transform: translateY(-2px); }

/* ===== LAYOUT ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-label { font-size: 0.85rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; }
.section-title { margin-bottom: 16px; color: var(--primary); }
.section-sub { max-width: 600px; margin-bottom: 48px; }
.text-center { text-align: center; }
.text-center .section-sub { margin-left: auto; margin-right: auto; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.bg-light { background: var(--light); }
.bg-primary { background: var(--primary); }
.bg-dark { background: var(--dark); }

/* ===== NAVBAR ===== */
.navbar { position: sticky; top: 0; z-index: 1000; background: var(--white); box-shadow: 0 2px 12px rgba(0,0,0,0.08); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.nav-logo { font-size: 1.2rem; font-weight: 800; color: var(--primary); }
.nav-logo span { color: var(--accent); }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { font-weight: 500; color: var(--dark); transition: color var(--transition); font-size: 0.95rem; }
.nav-links a:hover { color: var(--accent); }
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: 0.75rem; }
.dropdown-menu { display: none; position: absolute; top: 100%; left: 0; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); min-width: 220px; padding: 12px 0; z-index: 999; }
.dropdown-menu a { display: block; padding: 10px 20px; font-size: 0.9rem; color: var(--dark); transition: background var(--transition); }
.dropdown-menu a:hover { background: var(--light); color: var(--accent); }
.nav-dropdown:hover .dropdown-menu { display: block; }
.nav-cta { background: var(--accent); color: var(--white) !important; padding: 10px 24px; border-radius: 50px; }
.nav-cta:hover { background: #c8880e !important; color: var(--white) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { width: 26px; height: 3px; background: var(--primary); border-radius: 2px; transition: var(--transition); }

/* ===== HERO ===== */
.hero { min-height: 92vh; background: linear-gradient(135deg, #0a3d6b 0%, #1a6bb5 60%, #0a3d6b 100%); display: flex; align-items: center; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 320"><path fill="rgba(255,255,255,0.04)" d="M0,160L60,170.7C120,181,240,203,360,197.3C480,192,600,160,720,154.7C840,149,960,171,1080,176C1200,181,1320,171,1380,165.3L1440,160L1440,320L0,320Z"/></svg>') no-repeat bottom; background-size: cover; }
.hero-content { position: relative; z-index: 1; max-width: 680px; }
.hero-badge { display: inline-block; background: rgba(232,160,32,0.2); color: var(--accent); border: 1px solid var(--accent); padding: 6px 18px; border-radius: 50px; font-size: 0.85rem; font-weight: 600; margin-bottom: 24px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero p { color: rgba(255,255,255,0.8); font-size: 1.15rem; margin-bottom: 36px; max-width: 520px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 40px; margin-top: 56px; flex-wrap: wrap; }
.hero-stat strong { display: block; font-size: 1.8rem; font-weight: 800; color: var(--white); }
.hero-stat span { font-size: 0.85rem; color: rgba(255,255,255,0.7); }

/* ===== ABOUT SECTION ===== */
.about-img { border-radius: var(--radius); overflow: hidden; background: linear-gradient(135deg, #e8f4fd, #c8e0f5); height: 420px; display: flex; align-items: center; justify-content: center; }
.about-img-placeholder { font-size: 6rem; }
.about-bullets { margin-top: 24px; display: flex; flex-direction: column; gap: 12px; }
.about-bullet { display: flex; align-items: flex-start; gap: 12px; }
.about-bullet .icon { width: 28px; height: 28px; background: var(--accent); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-size: 0.75rem; flex-shrink: 0; margin-top: 2px; }
.about-bullet p { color: var(--dark); font-size: 0.95rem; }
.authority-bar { background: var(--primary); padding: 28px 0; }
.authority-inner { display: flex; align-items: center; justify-content: space-around; gap: 24px; flex-wrap: wrap; }
.authority-item { text-align: center; color: var(--white); }
.authority-item strong { display: block; font-size: 1.6rem; font-weight: 800; color: var(--accent); }
.authority-item span { font-size: 0.85rem; opacity: 0.8; }

/* ===== BUNDLE / DISCOUNT ===== */
.bundle-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.bundle-card { background: var(--white); border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow); border-top: 4px solid var(--accent); transition: transform var(--transition); }
.bundle-card:hover { transform: translateY(-6px); }
.bundle-card .tag { display: inline-block; background: #fff3e0; color: var(--accent); font-size: 0.78rem; font-weight: 700; padding: 4px 12px; border-radius: 50px; margin-bottom: 16px; }
.bundle-card h3 { color: var(--primary); margin-bottom: 10px; font-size: 1.3rem; }
.bundle-card .price { font-size: 2rem; font-weight: 800; color: var(--accent); margin: 16px 0; }
.bundle-card .price span { font-size: 1rem; font-weight: 400; color: var(--gray); }
.bundle-card ul { margin: 16px 0 24px; display: flex; flex-direction: column; gap: 8px; }
.bundle-card ul li { display: flex; align-items: center; gap: 8px; font-size: 0.9rem; color: var(--dark); }
.bundle-card ul li::before { content: '✓'; color: var(--accent); font-weight: 700; }
.urgency-bar { background: #fff3e0; border: 1px solid #f5c07a; border-radius: var(--radius); padding: 16px 24px; display: flex; align-items: center; gap: 12px; margin-top: 28px; }
.urgency-bar .icon { font-size: 1.4rem; }
.urgency-bar p { color: var(--dark); font-size: 0.95rem; margin: 0; }
.urgency-bar strong { color: var(--accent); }

/* ===== CTA BANNER (SWITCHER) ===== */
.cta-banner { padding: 0; overflow: hidden; }
.cta-slide { display: none; min-height: 380px; align-items: center; }
.cta-slide.active { display: flex; }
.cta-slide-home { background: linear-gradient(135deg, #1a6bb5, #0a3d6b); }
.cta-slide-car { background: linear-gradient(135deg, #0a3d6b, #1a3a5c); }
.cta-slide-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 60px 0; width: 100%; }
.cta-slide-text h2 { color: var(--white); margin-bottom: 12px; }
.cta-slide-text p { color: rgba(255,255,255,0.8); max-width: 480px; margin-bottom: 28px; }
.cta-slide-icon { font-size: 8rem; opacity: 0.25; flex-shrink: 0; }
.cta-tabs { display: flex; gap: 12px; margin-bottom: 0; justify-content: center; padding: 20px 0 0; background: var(--light); }
.cta-tab { padding: 10px 28px; border-radius: 50px; border: 2px solid var(--primary); background: transparent; color: var(--primary); font-weight: 600; cursor: pointer; transition: var(--transition); }
.cta-tab.active, .cta-tab:hover { background: var(--primary); color: var(--white); }

/* ===== SERVICES ===== */
.service-card { background: var(--white); border-radius: var(--radius); padding: 32px 24px; box-shadow: var(--shadow); text-align: center; transition: transform var(--transition), box-shadow var(--transition); border-bottom: 3px solid transparent; }
.service-card:hover { transform: translateY(-8px); box-shadow: 0 12px 40px rgba(10,61,107,0.15); border-bottom-color: var(--accent); }
.service-icon { font-size: 2.8rem; margin-bottom: 16px; }
.service-card h3 { color: var(--primary); margin-bottom: 10px; }
.service-card p { font-size: 0.9rem; margin-bottom: 20px; }
.service-card a { color: var(--accent); font-weight: 600; font-size: 0.9rem; }
.service-card a:hover { text-decoration: underline; }

/* ===== WHY US ===== */
.usp-card { display: flex; gap: 20px; align-items: flex-start; padding: 28px; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); }
.usp-icon { width: 52px; height: 52px; background: linear-gradient(135deg, var(--primary), #1a6bb5); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; flex-shrink: 0; }
.usp-card h3 { color: var(--primary); margin-bottom: 6px; }
.usp-card p { font-size: 0.9rem; }

/* ===== REVIEWS ===== */
.review-card { background: var(--white); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.review-stars { color: var(--accent); font-size: 1.1rem; margin-bottom: 12px; }
.review-card p { font-size: 0.95rem; color: var(--dark); margin-bottom: 20px; font-style: italic; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--accent)); display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 1rem; }
.reviewer-name { font-weight: 600; color: var(--dark); font-size: 0.9rem; }
.reviewer-type { font-size: 0.8rem; color: var(--gray); }

/* ===== PROCESS ===== */
.process-steps { display: flex; gap: 0; position: relative; }
.process-steps::before { content: ''; position: absolute; top: 36px; left: 10%; right: 10%; height: 2px; background: linear-gradient(to right, var(--accent), var(--primary)); z-index: 0; }
.process-step { flex: 1; text-align: center; position: relative; z-index: 1; padding: 0 16px; }
/* step-num defined in ICONS section above */
.process-step h3 { color: var(--primary); margin-bottom: 8px; }
.process-step p { font-size: 0.88rem; }

/* ===== SOCIAL PROOF ===== */
.social-feed { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.social-post { background: var(--white); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); border-left: 3px solid var(--accent); }
.social-post .platform { font-size: 0.78rem; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.social-post p { font-size: 0.88rem; color: var(--dark); margin-bottom: 12px; }
.social-post .meta { font-size: 0.78rem; color: var(--gray); }

/* ===== FINAL CTA ===== */
.final-cta { background: linear-gradient(135deg, var(--primary), #1a6bb5); padding: 100px 0; text-align: center; }
.final-cta h2 { color: var(--white); margin-bottom: 16px; }
.final-cta p { color: rgba(255,255,255,0.8); max-width: 520px; margin: 0 auto 36px; }
.final-cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== FOOTER ===== */
footer { background: #0d1b2a; color: rgba(255,255,255,0.75); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; }
.footer-brand .nav-logo { font-size: 1.4rem; margin-bottom: 16px; display: block; }
.footer-brand p { font-size: 0.9rem; line-height: 1.8; }
.footer-col h4 { color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 20px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 0.88rem; transition: color var(--transition); }
.footer-col ul a:hover { color: var(--accent); }
.footer-social { display: flex; gap: 12px; }
.footer-social a { width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); font-size: 0.9rem; transition: var(--transition); }
.footer-social a:hover { background: var(--accent); color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 24px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 0.85rem; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 0.85rem; transition: color var(--transition); }
.footer-legal a:hover { color: var(--accent); }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero { background: linear-gradient(135deg, #0a3d6b, #1a6bb5); padding: 80px 0; text-align: center; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto; font-size: 1.1rem; }
.breadcrumb { display: flex; align-items: center; gap: 8px; justify-content: center; margin-bottom: 20px; }
.breadcrumb a, .breadcrumb span { font-size: 0.85rem; color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb .sep { opacity: 0.5; }

/* ===== SERVICE PAGE ===== */
.coverage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.coverage-card { background: var(--white); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.coverage-card.included { border-left: 4px solid #22c55e; }
.coverage-card.excluded { border-left: 4px solid #ef4444; }
.coverage-card h3 { margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.coverage-card h3 .badge { font-size: 0.75rem; padding: 3px 10px; border-radius: 50px; font-weight: 600; }
.badge-green { background: #dcfce7; color: #16a34a; }
.badge-red { background: #fee2e2; color: #dc2626; }
.coverage-list { display: flex; flex-direction: column; gap: 10px; }
.coverage-list li { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: var(--dark); }
.coverage-list li .dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.dot-green { background: #22c55e; }
.dot-red { background: #ef4444; }

/* ===== SLIDER ===== */
.slider-wrapper { overflow: hidden; }
.slider-track { display: flex; gap: 24px; transition: transform 0.4s ease; }
.slider-card { min-width: 260px; background: var(--white); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); text-align: center; flex-shrink: 0; }
.slider-card .service-icon { font-size: 2.4rem; margin-bottom: 12px; }
.slider-card h3 { color: var(--primary); margin-bottom: 8px; font-size: 1rem; }
.slider-card a { color: var(--accent); font-size: 0.88rem; font-weight: 600; }
.slider-controls { display: flex; gap: 12px; justify-content: center; margin-top: 28px; }
.slider-btn { width: 44px; height: 44px; border-radius: 50%; border: 2px solid var(--primary); background: transparent; color: var(--primary); font-size: 1.1rem; cursor: pointer; transition: var(--transition); }
.slider-btn:hover { background: var(--primary); color: var(--white); }

/* ===== FAQ ===== */
.faq-item { border-bottom: 1px solid #e5e7eb; }
.faq-question { width: 100%; text-align: left; background: none; border: none; padding: 20px 0; font-size: 1rem; font-weight: 600; color: var(--primary); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-question::after { content: '+'; font-size: 1.4rem; color: var(--accent); transition: transform var(--transition); }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-answer p { padding: 0 0 20px; color: var(--gray); font-size: 0.95rem; }

/* ===== FORMS ===== */
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.9rem; color: var(--dark); }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 12px 16px; border: 1.5px solid #d1d5db; border-radius: 8px; font-size: 0.95rem; transition: border-color var(--transition); outline: none; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); }
.form-group textarea { resize: vertical; min-height: 120px; }

/* ===== ABOUT PAGE ===== */
.team-card { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); text-align: center; }
.team-avatar { height: 180px; background: linear-gradient(135deg, var(--primary), #1a6bb5); display: flex; align-items: center; justify-content: center; font-size: 4rem; }
.team-card-body { padding: 20px; }
.team-card-body h3 { color: var(--primary); margin-bottom: 4px; }
.team-card-body span { font-size: 0.85rem; color: var(--accent); font-weight: 600; }

/* ===== CLAIMS PAGE ===== */
.claims-tabs { display: flex; gap: 0; border-bottom: 2px solid #e5e7eb; margin-bottom: 40px; }
.claims-tab { padding: 14px 32px; font-weight: 600; cursor: pointer; border-bottom: 3px solid transparent; margin-bottom: -2px; transition: var(--transition); color: var(--gray); }
.claims-tab.active { color: var(--primary); border-bottom-color: var(--accent); }
.claims-panel { display: none; }
.claims-panel.active { display: block; }
.track-result { background: var(--light); border-radius: var(--radius); padding: 28px; margin-top: 24px; display: none; }

/* ===== LEGAL PAGES ===== */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { color: var(--primary); margin: 40px 0 16px; font-size: 1.3rem; }
.legal-content p { margin-bottom: 16px; font-size: 0.95rem; }
.legal-content ul { margin: 12px 0 20px 20px; list-style: disc; }
.legal-content ul li { margin-bottom: 8px; font-size: 0.95rem; color: var(--gray); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .social-feed { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .grid-2, .grid-3, .bundle-grid, .coverage-grid { grid-template-columns: 1fr; }
  .process-steps { flex-direction: column; gap: 32px; }
  .process-steps::before { display: none; }
  .nav-links { display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); flex-direction: column; padding: 20px 24px; box-shadow: var(--shadow); gap: 16px; }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .dropdown-menu { position: static; box-shadow: none; padding: 8px 0 0 16px; }
  .nav-dropdown:hover .dropdown-menu { display: none; }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .hero-stats { gap: 24px; }
  .cta-slide-icon { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .social-feed { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
}