/* =============================================
   smartinsurancepackagesonline — style.css
   Theme: Deep Navy + Emerald + Amber Gradients
   Fonts: Inter + Playfair Display
============================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@400;600;700;900&display=swap');

:root {
  --navy: #083344;
  --navy-mid: #164e63;
  --emerald: #0891b2;
  --emerald-light: #22d3ee;
  --amber: #06b6d4;
  --amber-dark: #0e7490;
  --white: #FFFFFF;
  --light-bg: #F0FDFF;
  --card-bg: #FFFFFF;
  --text-body: #0F172A;
  --text-muted: #475569;
  --radius-card: 20px;
  --radius-btn: 50px;
  --shadow: 0 20px 60px rgba(6, 182, 212, 0.15);
  --shadow-card: 0 8px 32px rgba(6, 182, 212, 0.10);
  --transition: all 0.3s ease;
  --grad-hero: linear-gradient(135deg, #083344 0%, #155e75 45%, #164e63 100%);
  --grad-accent: linear-gradient(135deg, #0891b2 0%, #06b6d4 100%);
  --grad-amber: linear-gradient(135deg, #22d3ee 0%, #0891b2 100%);
  --grad-card: linear-gradient(145deg, #ffffff 0%, #f0f9ff 100%);
  --grad-section: linear-gradient(180deg, #F0FDFF 0%, #E0F2FE 100%);
  --grad-emerald: linear-gradient(135deg, #0891b2 0%, #22d3ee 100%);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-body);
  background: #FFFBF5;
  line-height: 1.75;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
}

a {
  text-decoration: none;
  color: inherit;
}

img {
  max-width: 100%;
}

/* ===== UTILITIES ===== */
.section-pad {
  padding: 100px 0;
}

.section-pad-sm {
  padding: 60px 0;
}

.bg-dark-section {
  background: var(--grad-hero);
}

.bg-light-bg {
  background: var(--grad-section);
}

.text-amber {
  color: var(--amber);
}

.text-emerald {
  color: var(--emerald);
}

.badge-pill {
  display: inline-block;
  background: rgba(234, 88, 12, 0.12);
  color: var(--emerald);
  border: 1px solid rgba(234, 88, 12, 0.3);
  border-radius: 50px;
  padding: 6px 18px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.8px;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.badge-pill.light {
  background: rgba(245, 158, 11, 0.12);
  color: var(--amber-dark);
  border-color: rgba(245, 158, 11, 0.3);
}

.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  background: var(--grad-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
  margin-bottom: 12px;
}

.gold-line,
.amber-line {
  width: 60px;
  height: 4px;
  background: var(--grad-amber);
  border-radius: 2px;
  margin-bottom: 20px;
}

/* ===== BUTTONS ===== */
.btn-primary-grad {
  background: var(--grad-accent);
  color: var(--white);
  border: none;
  border-radius: var(--radius-btn);
  padding: 14px 34px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 15px;
  display: inline-block;
  transition: var(--transition);
  cursor: pointer;
  box-shadow: 0 8px 24px rgba(234, 88, 12, 0.35);
}

.btn-primary-grad:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(234, 88, 12, 0.45);
  color: var(--white);
}

.btn-amber {
  background: var(--grad-amber);
  color: var(--white);
  border: none;
  border-radius: var(--radius-btn);
  padding: 14px 34px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 15px;
  display: inline-block;
  transition: var(--transition);
  cursor: pointer;
  box-shadow: 0 8px 24px rgba(245, 158, 11, 0.35);
}

.btn-amber:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(245, 158, 11, 0.5);
  color: var(--white);
}

.btn-outline-w {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.55);
  border-radius: var(--radius-btn);
  padding: 12px 30px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  display: inline-block;
  transition: var(--transition);
}

.btn-outline-w:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.btn-outline-n {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  border-radius: var(--radius-btn);
  padding: 12px 30px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  display: inline-block;
  transition: var(--transition);
}

.btn-outline-n:hover {
  background: var(--navy);
  color: var(--white);
}

/* ===== NAVBAR ===== */
.navbar-main {
  background: rgba(255, 255, 255, 0.97);
  padding: 14px 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid rgba(26, 10, 0, 0.08);
  box-shadow: 0 4px 24px rgba(26, 10, 0, 0.08);
  backdrop-filter: blur(12px);
}

.navbar-main .navbar-brand {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--emerald);
  display: flex;
  align-items: center;
  gap: 10px;
}

.brand-icon {
  width: 38px;
  height: 38px;
  background: var(--grad-accent);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 16px;
}

.navbar-main .nav-link {
  color: rgba(26, 10, 0, 0.75) !important;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.3px;
  padding: 8px 14px !important;
  transition: var(--transition);
}

.navbar-main .nav-link:hover,
.navbar-main .nav-link.active {
  color: var(--emerald) !important;
}

.navbar-main .dropdown-menu {
  background: var(--white);
  border: 1px solid rgba(26, 10, 0, 0.1);
  border-radius: 14px;
  padding: 8px;
  min-width: 220px;
  box-shadow: 0 20px 50px rgba(26, 10, 0, 0.14);
}

.navbar-main .dropdown-item {
  color: rgba(26, 10, 0, 0.85);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 14px;
  transition: var(--transition);
}

.navbar-main .dropdown-item:hover {
  background: rgba(234, 88, 12, 0.08);
  color: var(--emerald);
}

.navbar-main .dropdown-item i {
  width: 20px;
  margin-right: 8px;
  color: var(--emerald);
}

.navbar-main .btn-quote {
  background: var(--grad-accent);
  color: var(--white);
  border: none;
  border-radius: var(--radius-btn);
  padding: 9px 22px;
  font-size: 14px;
  font-weight: 700;
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(234, 88, 12, 0.3);
}

.navbar-main .btn-quote:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(234, 88, 12, 0.4);
}

.navbar-toggler {
  border: 1px solid rgba(26, 10, 0, 0.2);
  padding: 6px 10px;
}

/* ===== HERO ===== */
.hero-section {
  min-height: 100vh;
  background: var(--grad-hero);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
}

.hero-section::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -150px;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(234, 88, 12, 0.22) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-section::after {
  content: '';
  position: absolute;
  bottom: -200px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.14) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-left {
  position: relative;
  z-index: 2;
}

.hero-left h1 {
  font-size: clamp(38px, 5vw, 68px);
  color: var(--white);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 22px;
}

.hero-left h1 span {
  background: var(--grad-amber);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-left p {
  color: rgba(255, 255, 255, 0.72);
  font-size: 17px;
  max-width: 460px;
  margin-bottom: 36px;
}

.hero-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.hero-chip {
  background: rgba(255, 255, 255, 0.10);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.85);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: 13px;
  backdrop-filter: blur(8px);
}

.hero-chip i {
  color: var(--amber);
  margin-right: 5px;
}

.hero-right {
  position: relative;
  z-index: 2;
}

.hero-img-wrap {
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  height: 500px;
  box-shadow: 0 40px 80px rgba(0, 0, 0, 0.45);
}

.hero-img-wrap::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(135deg, rgba(234, 88, 12, 0.18) 0%, transparent 60%);
}

.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-float-card {
  position: absolute;
  bottom: 28px;
  left: -28px;
  z-index: 3;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border-radius: 16px;
  padding: 16px 22px;
  box-shadow: 0 16px 40px rgba(26, 10, 0, 0.2);
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 200px;
}

.hero-float-card .fc-icon {
  width: 44px;
  height: 44px;
  background: var(--grad-emerald);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 18px;
  flex-shrink: 0;
}

.hero-float-card .fc-num {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

.hero-float-card .fc-label {
  font-size: 12px;
  color: var(--text-muted);
}

/* ===== ABOUT SECTION (homepage) ===== */
.about-section-home {
  background: var(--white);
}

.about-bullets li {
  font-size: 15px;
  color: var(--text-body);
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.about-bullets li i {
  color: var(--emerald);
  margin-top: 3px;
}

/* ===== BUNDLE / EARLY BIRD ===== */
.bg-navy {
  background: var(--grad-hero);
}

.bundle-countdown {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 12px;
}

.countdown-block {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  padding: 12px 20px;
  text-align: center;
  min-width: 76px;
  backdrop-filter: blur(8px);
}

.countdown-block span {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  font-weight: 700;
  background: var(--grad-amber);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}

.countdown-block small {
  display: block;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.55);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-top: 4px;
}

.countdown-sep {
  font-size: 28px;
  font-weight: 700;
  color: var(--amber);
  line-height: 1;
}

.bundle-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-card);
  padding: 36px 28px;
  text-align: center;
  position: relative;
  transition: var(--transition);
  height: 100%;
  backdrop-filter: blur(10px);
  color: var(--white);
}

.bundle-card:hover {
  transform: translateY(-8px);
  border-color: rgba(234, 88, 12, 0.5);
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.3);
}

.bundle-card--featured {
  background: rgba(234, 88, 12, 0.15);
  border-color: var(--emerald);
  box-shadow: 0 0 0 1px var(--emerald), 0 20px 60px rgba(234, 88, 12, 0.2);
}

.bundle-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: rgba(255, 255, 255, 0.8);
  border-radius: 50px;
  padding: 4px 16px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  white-space: nowrap;
  backdrop-filter: blur(8px);
}

.bundle-badge--amber {
  background: var(--grad-amber);
  color: var(--white);
  border-color: transparent;
}

.bundle-icons {
  font-size: 28px;
  color: var(--amber);
  margin: 20px 0 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}

.bundle-plus {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.35);
}

.bundle-card h4 {
  color: var(--white);
  font-size: 18px;
  margin-bottom: 10px;
}

.bundle-card p {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 0;
}

.bundle-saving {
  margin-top: 18px;
  font-size: 15px;
  color: rgba(255, 255, 255, 0.7);
}

.bundle-saving strong {
  background: var(--grad-amber);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-size: 24px;
  font-family: 'Playfair Display', serif;
}

/* ===== CTA SWITCHER BANNER ===== */
.cta-banner {
  position: relative;
  height: 580px;
  overflow: hidden;
}

.cta-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 0.8s ease;
  pointer-events: none;
}

.cta-slide.active {
  opacity: 1;
  pointer-events: auto;
}

.cta-slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transform: scale(1.04);
  transition: transform 6s ease;
}

.cta-slide.active .cta-slide-bg {
  transform: scale(1);
}

.cta-slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(8, 51, 68, 0.95) 0%, rgba(8, 51, 68, 0.7) 55%, rgba(8, 51, 68, 0.2) 100%);
}

.cta-slide-inner {
  position: relative;
  z-index: 2;
  height: 100%;
  display: flex;
  align-items: center;
}

.cta-label {
  display: inline-flex;
  align-items: center;
  background: rgba(6, 182, 212, 0.15);
  border: 1px solid rgba(6, 182, 212, 0.3);
  color: var(--emerald-light);
  border-radius: 50px;
  padding: 6px 18px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.cta-slide h2 {
  font-size: clamp(28px, 3.5vw, 50px);
  color: var(--white);
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 24px;
}

.cta-bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 8px;
}

.cta-bullets li {
  color: rgba(255, 255, 255, 0.85);
  font-size: 15px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.cta-bullets li i {
  width: 22px;
  height: 22px;
  background: var(--grad-amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 10px;
  flex-shrink: 0;
}

.cta-tabs {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 10;
  display: flex;
  align-items: stretch;
  background: rgba(8, 51, 68, 0.9);
  backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.cta-tab {
  flex: 1;
  padding: 18px 24px;
  background: transparent;
  border: none;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.55);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all 0.3s ease;
  position: relative;
}

.cta-tab:last-of-type {
  border-right: none;
}

.cta-tab.active {
  color: var(--emerald-light);
  background: rgba(6, 182, 212, 0.1);
}

.cta-tab:hover:not(.active) {
  color: var(--white);
  background: rgba(255, 255, 255, 0.05);
}

.cta-progress {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: rgba(255, 255, 255, 0.1);
}

.cta-progress-bar {
  height: 100%;
  background: var(--grad-accent);
  width: 0%;
  transition: width linear;
}

/* ===== SERVICES LIST ===== */
.service-row {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 26px 30px;
  border-radius: var(--radius-card);
  transition: var(--transition);
  border: 1px solid transparent;
  cursor: pointer;
}

.service-row:nth-child(even) {
  background: var(--light-bg);
}

.service-row:hover {
  background: var(--white);
  border-color: rgba(234, 88, 12, 0.2);
  box-shadow: var(--shadow-card);
  transform: translateX(6px);
}

.service-num {
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 900;
  background: var(--grad-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  opacity: 0.7;
  min-width: 58px;
  line-height: 1;
}

.service-icon-wrap {
  width: 52px;
  height: 52px;
  background: var(--grad-accent);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 21px;
  flex-shrink: 0;
}

.service-row-info {
  flex: 1;
}

.service-row-info h4 {
  font-size: 17px;
  margin-bottom: 4px;
  color: var(--navy);
}

.service-row-info p {
  color: var(--text-muted);
  font-size: 14px;
  margin: 0;
}

.service-arrow {
  color: var(--emerald);
  font-size: 19px;
  transition: var(--transition);
}

.service-row:hover .service-arrow {
  transform: translateX(6px);
}

/* ===== HOW IT WORKS ===== */
.steps-wrap {
  position: relative;
  display: flex;
  gap: 0;
}

.steps-wrap::before {
  content: '';
  position: absolute;
  top: 34px;
  left: calc(12.5% + 17px);
  width: calc(75% - 34px);
  height: 2px;
  background: rgba(255, 255, 255, 0.12);
  z-index: 0;
}

.step-item {
  flex: 1;
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-num {
  width: 68px;
  height: 68px;
  background: var(--grad-amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  margin: 0 auto 16px;
  box-shadow: 0 8px 25px rgba(245, 158, 11, 0.4);
}

.step-icon-big {
  font-size: 28px;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 12px;
  display: block;
}

.step-item h5 {
  color: var(--white);
  font-size: 16px;
  margin-bottom: 8px;
}

.step-item p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 13px;
  max-width: 160px;
  margin: 0 auto;
}

/* ===== WHY CHOOSE US ===== */
.why-card {
  background: var(--grad-card);
  border-radius: var(--radius-card);
  padding: 32px 28px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(26, 10, 0, 0.06);
  transition: var(--transition);
  height: 100%;
}

.why-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 30px 70px rgba(26, 10, 0, 0.15);
  border-color: var(--emerald);
}

.why-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, rgba(234, 88, 12, 0.12), rgba(220, 38, 38, 0.12));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald);
  font-size: 23px;
  margin-bottom: 20px;
  transition: var(--transition);
}

.why-card:hover .why-icon {
  background: var(--grad-accent);
  color: var(--white);
}

.why-card h4 {
  font-size: 18px;
  margin-bottom: 10px;
  color: var(--navy);
}

.why-card p {
  color: var(--text-muted);
  font-size: 14px;
  margin: 0;
}

/* ===== TESTIMONIALS ===== */
.testi-card {
  background: var(--white);
  border-radius: var(--radius-card);
  padding: 34px 28px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(26, 10, 0, 0.06);
  transition: var(--transition);
  height: 100%;
  position: relative;
  overflow: hidden;
}

.testi-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--grad-accent);
}

.testi-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 30px 60px rgba(26, 10, 0, 0.15);
}

.quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 70px;
  background: var(--grad-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 0.6;
  margin-bottom: 20px;
  display: block;
}

.testi-text {
  color: var(--text-body);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 22px;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testi-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--emerald);
}

.testi-name {
  font-weight: 700;
  font-size: 15px;
  color: var(--navy);
}

.testi-stars {
  color: var(--amber);
  font-size: 13px;
}

/* ===== STATS ===== */
.stats-section {
  background: var(--grad-hero);
  padding: 70px 0;
}

.stat-item {
  text-align: center;
}

.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 900;
  background: var(--grad-amber);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
  margin-bottom: 8px;
  display: block;
}

.stat-label {
  color: rgba(255, 255, 255, 0.65);
  font-size: 14px;
}

.stat-divider {
  width: 1px;
  background: rgba(255, 255, 255, 0.12);
  align-self: stretch;
}

/* ===== FINAL CTA ===== */
.final-cta {
  position: relative;
  overflow: hidden;
  padding: 120px 0;
  text-align: center;
}

.final-cta-bg {
  position: absolute;
  inset: 0;
  background: var(--grad-hero);
}

.final-cta-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.08;
  mix-blend-mode: luminosity;
}

.final-cta h2 {
  font-size: clamp(30px, 4vw, 50px);
  color: var(--white);
  margin-bottom: 16px;
}

.final-cta p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 17px;
  margin-bottom: 36px;
}

/* ===== FOOTER ===== */
.footer-main {
  background: radial-gradient(circle at top right, #164e63 0%, #083344 100%);
  padding: 80px 0 0;
  color: rgba(255, 255, 255, 0.65);
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}

.footer-brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
}

.footer-desc {
  font-size: 14px;
  max-width: 260px;
  margin-bottom: 24px;
  color: rgba(255, 255, 255, 0.55);
}

.footer-social {
  display: flex;
  gap: 10px;
}

.footer-social a {
  width: 36px;
  height: 36px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--grad-accent);
  color: var(--white);
}

.footer-heading {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.55);
  font-size: 14px;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--emerald-light);
  padding-left: 4px;
}

.footer-links li i {
  color: var(--emerald-light);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 20px 0;
  margin-top: 60px;
}

.footer-bottom-text {
  color: rgba(255, 255, 255, 0.4);
  font-size: 13px;
}

/* ===== PAGE HERO BANNER ===== */
.page-hero {
  background: var(--grad-hero);
  padding: 100px 0 90px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(234, 88, 12, 0.2) 0%, transparent 65%);
  border-radius: 50%;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 60px;
  background: #FFFBF5;
  clip-path: ellipse(55% 100% at 50% 100%);
}

.page-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4vw, 52px);
  margin-bottom: 10px;
}

.page-hero .breadcrumb-item {
  color: rgba(255, 255, 255, 0.55);
  font-size: 14px;
}

.page-hero .breadcrumb-item a {
  color: rgba(255, 255, 255, 0.55);
}

.page-hero .breadcrumb-item.active {
  color: var(--amber);
}

.page-hero .breadcrumb-item+.breadcrumb-item::before {
  color: rgba(255, 255, 255, 0.3);
}

/* ===== ABOUT PAGE ===== */
.timeline {
  position: relative;
  padding-left: 28px;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 8px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--emerald), rgba(234, 88, 12, 0.1));
}

.timeline-item {
  position: relative;
  margin-bottom: 34px;
}

.timeline-dot {
  position: absolute;
  left: -24px;
  top: 4px;
  width: 14px;
  height: 14px;
  background: var(--grad-accent);
  border-radius: 50%;
  border: 2px solid var(--white);
  box-shadow: 0 0 0 3px rgba(234, 88, 12, 0.25);
}

.timeline-year {
  color: var(--emerald);
  font-weight: 700;
  font-size: 13px;
  margin-bottom: 4px;
}

.timeline-item h5 {
  font-size: 17px;
  margin-bottom: 6px;
  color: var(--navy);
}

.timeline-item p {
  color: var(--text-muted);
  font-size: 14px;
  margin: 0;
}

.team-card {
  background: var(--white);
  border-radius: var(--radius-card);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  text-align: center;
  transition: var(--transition);
  border: 1px solid rgba(26, 10, 0, 0.06);
}

.team-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 30px 70px rgba(26, 10, 0, 0.15);
}

.team-img {
  width: 100%;
  height: 240px;
  object-fit: cover;
}

.team-info {
  padding: 22px 20px;
}

.team-info h5 {
  font-size: 18px;
  margin-bottom: 4px;
  color: var(--navy);
}

.team-info p {
  color: var(--emerald);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 12px;
}

.team-socials {
  display: flex;
  justify-content: center;
  gap: 10px;
}

.team-socials a {
  width: 32px;
  height: 32px;
  background: var(--light-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  font-size: 13px;
  transition: var(--transition);
}

.team-socials a:hover {
  background: var(--grad-accent);
  color: var(--white);
}

/* ===== INSURANCE NAV PILLS ===== */
.ins-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
}

.ins-nav-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--white);
  border: 1.5px solid rgba(26, 10, 0, 0.1);
  color: var(--navy);
  border-radius: 50px;
  padding: 9px 20px;
  font-size: 13px;
  font-weight: 600;
  transition: var(--transition);
}

.ins-nav-pill:hover,
.ins-nav-pill.active {
  background: var(--grad-accent);
  color: var(--white);
  border-color: transparent;
  box-shadow: 0 6px 20px rgba(234, 88, 12, 0.3);
}

.ins-nav-pill i {
  color: var(--emerald);
  font-size: 13px;
}

.ins-nav-pill:hover i,
.ins-nav-pill.active i {
  color: var(--white);
}

/* ===== INSURANCE SECTION ROWS ===== */
.ins-section {
  padding: 90px 0;
}

.ins-row {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.ins-img-col {
  min-height: 480px;
  position: relative;
}

.ins-img-col::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26, 10, 0, 0.3) 0%, transparent 60%);
}

.ins-section-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.ins-content-col {
  background: var(--white);
}

.bg-light-bg .ins-content-col {
  background: var(--light-bg);
}

.ins-content {
  padding: 56px 52px;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.ins-icon-lg {
  width: 64px;
  height: 64px;
  background: var(--grad-accent);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 26px;
  margin-bottom: 20px;
}

.ins-content h2 {
  font-size: clamp(22px, 2.5vw, 32px);
  margin-bottom: 14px;
  color: var(--navy);
}

.ins-feat-list {
  list-style: none;
  padding: 0;
  margin: 20px 0 28px;
}

.ins-feat-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: var(--text-body);
  padding: 6px 0;
  border-bottom: 1px solid rgba(26, 10, 0, 0.06);
}

.ins-feat-list li:last-child {
  border-bottom: none;
}

.ins-feat-list li i {
  color: var(--emerald);
  font-size: 15px;
  flex-shrink: 0;
}

.ins-price-row {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: auto;
}

/* ===== CONTACT PAGE ===== */
.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-card);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(26, 10, 0, 0.06);
  transition: var(--transition);
  height: 100%;
  position: relative;
  overflow: hidden;
}

.contact-info-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--grad-accent);
}

.contact-info-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 50px rgba(26, 10, 0, 0.12);
}

.contact-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, rgba(234, 88, 12, 0.12), rgba(220, 38, 38, 0.12));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--emerald);
  font-size: 22px;
  margin: 0 auto 16px;
}

.contact-info-card h5 {
  font-size: 16px;
  margin-bottom: 8px;
  color: var(--navy);
}

.contact-info-card p {
  color: var(--text-muted);
  font-size: 14px;
  margin: 0;
}

.contact-info-card a {
  color: var(--navy);
  transition: var(--transition);
}

.contact-info-card a:hover {
  color: var(--emerald);
}

/* ===== CONTACT FORM ===== */
.form-label-custom {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  display: block;
}

.form-control-custom {
  width: 100%;
  border: 1.5px solid rgba(26, 10, 0, 0.12);
  border-radius: 10px;
  padding: 12px 16px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--text-body);
  background: var(--light-bg);
  transition: var(--transition);
  outline: none;
}

.form-control-custom:focus {
  border-color: var(--emerald);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(234, 88, 12, 0.12);
}

.form-note {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 12px;
}

/* ===== FAQ ===== */
.faq-accordion .accordion-item {
  border: 1px solid rgba(26, 10, 0, 0.08);
  border-radius: var(--radius-card) !important;
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-accordion .accordion-button {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  background: var(--white);
  padding: 18px 22px;
}

.faq-accordion .accordion-button:not(.collapsed) {
  background: linear-gradient(135deg, rgba(234, 88, 12, 0.08), rgba(220, 38, 38, 0.08));
  color: var(--navy);
  box-shadow: none;
}

.faq-accordion .accordion-body {
  font-size: 14px;
  color: var(--text-muted);
  padding: 16px 22px 20px;
}

/* ===== LEGAL PAGES ===== */
.legal-sidebar {
  background: var(--light-bg);
  border-radius: var(--radius-card);
  padding: 28px 24px;
  position: sticky;
  top: 100px;
}

.legal-sidebar h6 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.legal-toc {
  list-style: none;
  padding: 0;
  margin: 0;
}

.legal-toc li {
  margin-bottom: 8px;
}

.legal-toc a {
  color: var(--navy);
  font-size: 14px;
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

.legal-toc a:hover {
  color: var(--emerald);
}

.legal-toc a::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--emerald);
  flex-shrink: 0;
}

.legal-content h2 {
  font-size: 22px;
  margin-bottom: 14px;
  margin-top: 40px;
  padding-top: 10px;
  color: var(--navy);
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p {
  color: var(--text-muted);
  font-size: 15px;
  margin-bottom: 16px;
}

.legal-content ul {
  color: var(--text-muted);
  font-size: 15px;
  padding-left: 20px;
  margin-bottom: 16px;
}

.legal-content ul li {
  margin-bottom: 6px;
}

.legal-divider {
  border: none;
  border-top: 1px solid var(--emerald);
  opacity: 0.2;
  margin: 30px 0;
}

/* ===== FLASH MESSAGES ===== */
.flash-msg {
  border-radius: 12px;
  padding: 16px 22px;
  margin-bottom: 20px;
  font-size: 14px;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 10px;
}

.flash-success {
  background: rgba(234, 88, 12, 0.1);
  border: 1px solid rgba(234, 88, 12, 0.3);
  color: #065f46;
}

.flash-error {
  background: rgba(239, 68, 68, 0.1);
  border: 1px solid rgba(239, 68, 68, 0.3);
  color: #991b1b;
}

/* ===== ANIMATIONS ===== */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.anim-fade-up {
  animation: fadeUp 0.7s ease forwards;
}

@keyframes float {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-10px);
  }
}

.anim-float {
  animation: float 4s ease-in-out infinite;
}

@keyframes pulse-dot {

  0%,
  100% {
    box-shadow: 0 0 0 0 rgba(234, 88, 12, 0.4);
  }

  50% {
    box-shadow: 0 0 0 6px rgba(234, 88, 12, 0);
  }
}

.status-dot {
  width: 8px;
  height: 8px;
  background: var(--emerald);
  border-radius: 50%;
  display: inline-block;
  margin-right: 6px;
  animation: pulse-dot 1.5s infinite;
}

/* ===== RESPONSIVE ===== */
@media(max-width:991px) {
  .hero-left h1 {
    font-size: 38px;
  }

  .hero-img-wrap {
    height: 360px;
  }

  .steps-wrap {
    flex-direction: column;
    gap: 30px;
  }

  .steps-wrap::before {
    display: none;
  }

  .ins-row--reverse .ins-img-col {
    order: 2;
  }

  .ins-row--reverse .ins-content-col {
    order: 1;
  }

  .ins-img-col {
    min-height: 300px;
  }

  .ins-content {
    padding: 36px 28px;
  }

  .legal-sidebar {
    position: static;
    margin-bottom: 30px;
  }

  .hero-float-card {
    display: none;
  }
}

@media(max-width:767px) {
  .section-pad {
    padding: 60px 0;
  }

  .section-pad-sm {
    padding: 40px 0;
  }

  .navbar-main .navbar-brand {
    font-size: 15px;
  }

  .brand-icon {
    width: 30px;
    height: 30px;
    font-size: 13px;
  }

  .navbar-main .btn-quote {
    padding: 7px 14px;
    font-size: 12px;
  }

  .hero-section {
    min-height: auto;
    padding: 70px 0 50px;
  }

  .hero-img-wrap {
    height: 260px;
    margin-top: 28px;
  }

  .hero-left p {
    font-size: 15px;
  }

  .hero-chips {
    gap: 8px;
  }

  .hero-chip {
    font-size: 12px;
    padding: 5px 12px;
  }

  .service-row {
    padding: 16px 14px;
    gap: 12px;
  }

  .service-num {
    font-size: 24px;
    min-width: 36px;
  }

  .service-icon-wrap {
    width: 40px;
    height: 40px;
    font-size: 16px;
  }

  .ins-content {
    padding: 28px 20px;
  }

  .cta-tab {
    font-size: 13px;
    padding: 14px 12px;
  }

  .bundle-card {
    padding: 28px 20px;
  }

  .final-cta {
    padding: 80px 0;
  }
}