/* =====================================================
   SecureGuard Insurance - Premium Stylesheet
   Modern, Responsive, Professional Design
   ===================================================== */

/* CSS Variables */
:root {
    --primary: #FF653F;
    --primary-dark: #0a3a63;
    --primary-light: #1a6bb0;
    --secondary: #f39c12;
    --secondary-dark: #d68910;
    --accent: #27ae60;
    --dark: #1a1a2e;
    --gray-900: #2d3748;
    --gray-700: #4a5568;
    --gray-500: #718096;
    --gray-300: #e2e8f0;
    --gray-100: #f7fafc;
    --white: #ffffff;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 40px rgba(0,0,0,0.15);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --transition: all 0.3s ease;
    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-display: 'Playfair Display', Georgia, serif;
}

/* Reset & Base */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-primary);
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-700);
    background-color: var(--white);
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

ul {
    list-style: none;
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* =====================================================
   HEADER & NAVIGATION
   ===================================================== */
.main-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--white);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

/* Logo */
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

.logo-icon {
    width: 36px;
    height: 36px;
    color: var(--primary);
}

/* Navigation Menu */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    display: block;
    padding: 10px 16px;
    font-weight: 500;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 6px;
    left: 16px;
    right: 16px;
    height: 2px;
    background: var(--primary);
    transform: scaleX(0);
    transition: var(--transition);
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
}

.nav-link:hover::after,
.nav-link.active::after {
    transform: scaleX(1);
}

/* CTA Button */
.nav-cta {
    margin-left: 16px;
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.hamburger {
    width: 24px;
    height: 2px;
    background: var(--gray-900);
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-menu-toggle.active .hamburger:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-menu-toggle.active .hamburger:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active .hamburger:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

.mobile-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 998;
}

.mobile-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* =====================================================
   BUTTONS
   ===================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    font-family: var(--font-primary);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary {
    background: var(--primary);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-secondary {
    background: var(--secondary);
    color: var(--white);
}

.btn-secondary:hover {
    background: var(--secondary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

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

.btn-large {
    padding: 16px 36px;
    font-size: 1.1rem;
}

.btn-white {
    background: var(--white);
    color: var(--primary);
}

.btn-white:hover {
    background: var(--gray-100);
}

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: 40px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: var(--white);
    padding-top: 80px;
    overflow: hidden;
}

.hero > .container {
    width: auto;
    max-width: 550px;
    padding-left: 5%;
    padding-right: 0;
    flex-shrink: 0;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 550px;
    flex-shrink: 0;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.15);
    backdrop-filter: blur(10px);
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 500;
    margin-bottom: 24px;
}

.hero-badge svg {
    width: 16px;
    height: 16px;
    color: var(--secondary);
}

.hero h1 {
    font-family: var(--font-display);
    font-size: 3.5rem;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 24px;
}

.hero-description {
    font-size: 1.25rem;
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 500px;
}

.hero-cta {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-stats {
    display: flex;
    gap: 48px;
    margin-top: 64px;
    padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.2);
}

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

.stat-number {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--secondary);
    display: block;
}

.stat-label {
    font-size: 0.875rem;
    opacity: 0.8;
}

.hero-image {
    position: relative;
    width: 45%;
    max-width: 550px;
    height: 500px;
    z-index: 1;
    margin-right: 5%;
    flex-shrink: 0;
}

.hero-image svg {
    width: 100%;
    height: auto;
    opacity: 0.1;
}

/* =====================================================
   SECTION STYLES
   ===================================================== */
.section {
    padding: 100px 0;
}

.section-alt {
    background: var(--gray-100);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 64px;
}

.section-label {
    display: inline-block;
    font-size: 0.875rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--primary);
    margin-bottom: 16px;
}

.section h2 {
    font-family: var(--font-display);
    font-size: 2.75rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: 20px;
}

.section-description {
    font-size: 1.125rem;
    color: var(--gray-500);
}

/* =====================================================
   INSURANCE CARDS
   ===================================================== */
.insurance-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.insurance-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.insurance-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--primary);
    transform: scaleX(0);
    transition: var(--transition);
}

.insurance-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.insurance-card:hover::before {
    transform: scaleX(1);
}

.card-icon {
    width: 72px;
    height: 72px;
    background: var(--gray-100);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    color: var(--primary);
    transition: var(--transition);
}

.insurance-card:hover .card-icon {
    background: var(--primary);
    color: var(--white);
}

.card-icon svg {
    width: 36px;
    height: 36px;
}

.insurance-card h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 12px;
}

.insurance-card p {
    color: var(--gray-500);
    margin-bottom: 24px;
}

.card-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    color: var(--primary);
}

.card-link svg {
    width: 16px;
    height: 16px;
    transition: var(--transition);
}

.card-link:hover svg {
    transform: translateX(4px);
}

/* =====================================================
   FEATURES SECTION
   ===================================================== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.feature-item {
    display: flex;
    gap: 20px;
    padding: 24px;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.feature-item:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.feature-icon {
    flex-shrink: 0;
    width: 56px;
    height: 56px;
    background: var(--primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
}

.feature-icon svg {
    width: 28px;
    height: 28px;
}

.feature-content h3 {
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.feature-content p {
    color: var(--gray-500);
    font-size: 0.95rem;
}

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    box-shadow: var(--shadow-md);
    position: relative;
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: 20px;
    left: 24px;
    font-family: var(--font-display);
    font-size: 4rem;
    color: var(--primary);
    opacity: 0.2;
    line-height: 1;
}

.testimonial-text {
    font-size: 1.1rem;
    color: var(--gray-700);
    margin-bottom: 24px;
    font-style: italic;
    position: relative;
    z-index: 1;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 16px;
}

.author-avatar {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-weight: 600;
    font-size: 1.25rem;
}

.author-info h4 {
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 4px;
}

.author-info p {
    font-size: 0.875rem;
    color: var(--gray-500);
}

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    padding: 80px 0;
    color: var(--white);
}

.cta-content {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.cta-section h2 {
    color: var(--white);
    font-family: var(--font-display);
    font-size: 2.5rem;
    margin-bottom: 16px;
}

.cta-section p {
    font-size: 1.125rem;
    opacity: 0.9;
    margin-bottom: 32px;
}

/* =====================================================
   ABOUT PAGE STYLES
   ===================================================== */
.page-header {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    padding: 160px 0 80px;
    color: var(--white);
    text-align: center;
}

.page-header h1 {
    font-family: var(--font-display);
    font-size: 3rem;
    margin-bottom: 16px;
}

.page-header p {
    font-size: 1.25rem;
    opacity: 0.9;
    max-width: 600px;
    margin: 0 auto;
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.about-text h2 {
    font-family: var(--font-display);
    font-size: 2.5rem;
    color: var(--gray-900);
    margin-bottom: 24px;
}

.about-text p {
    font-size: 1.1rem;
    color: var(--gray-500);
    margin-bottom: 16px;
}

.about-image {
    position: relative;
}

.about-image-placeholder {
    aspect-ratio: 4/3;
    background: linear-gradient(135deg, var(--gray-300), var(--gray-100));
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-500);
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    margin-top: 48px;
}

.value-card {
    text-align: center;
    padding: 32px 24px;
}

.value-icon {
    width: 64px;
    height: 64px;
    background: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--white);
}

.value-card h3 {
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.value-card p {
    font-size: 0.95rem;
    color: var(--gray-500);
}

/* =====================================================
   INSURANCE PAGE STYLES
   ===================================================== */
.plans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.plan-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.plan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.plan-header {
    background: var(--primary);
    color: var(--white);
    padding: 32px;
    text-align: center;
}

.plan-header.popular {
    background: var(--secondary);
}

.popular-badge {
    display: inline-block;
    background: var(--white);
    color: var(--secondary);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    margin-bottom: 12px;
}

.plan-header h3 {
    font-family: var(--font-display);
    font-size: 1.75rem;
    margin-bottom: 8px;
}

.plan-price {
    font-size: 3rem;
    font-weight: 700;
}

.plan-price span {
    font-size: 1rem;
    font-weight: 400;
    opacity: 0.8;
}

.plan-body {
    padding: 32px;
}

.plan-features {
    margin-bottom: 32px;
}

.plan-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-100);
    color: var(--gray-700);
}

.plan-features li svg {
    width: 20px;
    height: 20px;
    color: var(--accent);
    flex-shrink: 0;
}

.plan-card .btn {
    width: 100%;
}

/* =====================================================
   CLAIMS PAGE STYLES
   ===================================================== */
.claims-process {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    margin-bottom: 64px;
}

.process-step {
    text-align: center;
    position: relative;
}

.process-step::after {
    content: '';
    position: absolute;
    top: 40px;
    right: -16px;
    width: 32px;
    height: 2px;
    background: var(--gray-300);
}

.process-step:last-child::after {
    display: none;
}

.step-number {
    width: 80px;
    height: 80px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.process-step h3 {
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.process-step p {
    color: var(--gray-500);
    font-size: 0.95rem;
}

.claims-form-container {
    max-width: 800px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-lg);
}

.claims-form-container h2 {
    text-align: center;
    margin-bottom: 32px;
}

/* =====================================================
   SUPPORT PAGE STYLES
   ===================================================== */
.support-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.support-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: var(--transition);
}

.support-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.support-card .card-icon {
    margin-bottom: 24px;
}

.support-card h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    color: var(--gray-900);
    margin-bottom: 12px;
}

.support-card p {
    color: var(--gray-500);
    margin-bottom: 24px;
}

.faq-section {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-md);
    margin-bottom: 16px;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.faq-question {
    width: 100%;
    padding: 24px 32px;
    background: none;
    border: none;
    text-align: left;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--gray-900);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.faq-question svg {
    width: 24px;
    height: 24px;
    transition: var(--transition);
}

.faq-item.active .faq-question svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-answer p {
    padding: 0 32px 24px;
    color: var(--gray-500);
}

.faq-item.active .faq-answer {
    max-height: 200px;
}

/* =====================================================
   CONTACT PAGE STYLES
   ===================================================== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
}

.contact-info h2 {
    font-family: var(--font-display);
    font-size: 2.5rem;
    color: var(--gray-900);
    margin-bottom: 24px;
}

.contact-info > p {
    font-size: 1.1rem;
    color: var(--gray-500);
    margin-bottom: 32px;
}

.contact-methods {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 32px;
}

.contact-method {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.contact-method .icon {
    width: 48px;
    height: 48px;
    background: var(--primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    flex-shrink: 0;
}

.contact-method .icon svg {
    width: 24px;
    height: 24px;
}

.contact-method h4 {
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 4px;
}

.contact-method p {
    color: var(--gray-500);
}

.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-lg);
}

.form-group {
    margin-bottom: 24px;
}

.form-group label {
    display: block;
    font-weight: 500;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px 18px;
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-md);
    font-family: var(--font-primary);
    font-size: 1rem;
    color: var(--gray-700);
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

/* =====================================================
   FOOTER STYLES
   ===================================================== */
.main-footer {
    background: var(--dark);
    color: var(--white);
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 48px;
    margin-bottom: 64px;
}

.footer-logo {
    color: var(--white);
    margin-bottom: 20px;
}

.footer-desc {
    color: var(--gray-500);
    font-size: 0.95rem;
    margin-bottom: 24px;
    line-height: 1.7;
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-link {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    transition: var(--transition);
}

.social-link:hover {
    background: var(--primary);
    transform: translateY(-4px);
}

.social-link svg {
    width: 18px;
    height: 18px;
}

.footer-title {
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 24px;
}

.footer-links li,
.footer-contact li {
    margin-bottom: 12px;
}

.footer-links a {
    color: var(--gray-500);
    font-size: 0.95rem;
    transition: var(--transition);
}

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

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    color: var(--gray-500);
    font-size: 0.95rem;
}

.footer-contact a {
    color: var(--gray-500);
    transition: var(--transition);
}

.footer-contact a:hover {
    color: var(--white);
}

.contact-icon {
    width: 20px;
    height: 20px;
    color: var(--primary);
    flex-shrink: 0;
    margin-top: 2px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 24px 0;
}

.footer-bottom .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer-bottom p {
    color: var(--gray-500);
    font-size: 0.9rem;
}

.footer-legal {
    display: flex;
    gap: 24px;
}

.footer-legal a {
    color: var(--gray-500);
    font-size: 0.9rem;
    transition: var(--transition);
}

.footer-legal a:hover {
    color: var(--white);
}

/* =====================================================
   RESPONSIVE DESIGN
   ===================================================== */
@media (max-width: 1024px) {
    .hero h1 {
        font-size: 2.75rem;
    }
    
    .hero {
        gap: 30px;
    }
    
    .hero > .container {
        padding-left: 4%;
        max-width: 450px;
    }
    
    .hero-image {
        width: 40%;
        max-width: 400px;
        height: 400px;
        margin-right: 4%;
    }
    
    .hero-stats {
        gap: 32px;
    }
    
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }
    
    .values-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .claims-process {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .process-step::after {
        display: none;
    }
}

@media (max-width: 768px) {
    .mobile-menu-toggle {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 80px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 24px;
        gap: 8px;
        box-shadow: var(--shadow-lg);
        transform: translateX(-100%);
        opacity: 0;
        visibility: hidden;
        transition: var(--transition);
    }
    
    .nav-menu.active {
        transform: translateX(0);
        opacity: 1;
        visibility: visible;
    }
    
    .nav-cta {
        display: none;
    }
    
    .hero {
        min-height: auto;
        padding: 140px 0 80px;
        flex-direction: column;
        align-items: flex-start;
    }
    
    .hero > .container {
        padding-left: 5%;
        padding-right: 5%;
    }
    
    .hero-content {
        max-width: 100%;
        margin-bottom: 40px;
    }
    
    .hero-image {
        width: 90%;
        max-width: 500px;
        height: 350px;
        margin: 0 auto;
        order: -1;
        margin-bottom: 40px;
    }
    
    .hero h1 {
        font-size: 2.25rem;
    }
    
    .hero-description {
        font-size: 1rem;
    }
    
    .hero-stats {
        flex-wrap: wrap;
        gap: 24px;
        margin-top: 40px;
    }
    
    .stat-number {
        font-size: 2rem;
    }
    
    .section h2 {
        font-size: 2rem;
    }
    
    .insurance-grid,
    .testimonials-grid,
    .plans-grid,
    .features-grid,
    .support-grid {
        grid-template-columns: 1fr;
    }
    
    .about-content,
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .footer-bottom .container {
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .contact-form-wrapper,
    .claims-form-container {
        padding: 32px 24px;
    }
    
    .values-grid {
        grid-template-columns: 1fr;
    }
    
    .claims-process {
        grid-template-columns: 1fr;
    }
    
    .process-step {
        text-align: left;
        display: flex;
        gap: 20px;
    }
    
    .step-number {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
        flex-shrink: 0;
    }
    
    .page-header {
        padding: 140px 0 60px;
    }
    
    .page-header h1 {
        font-size: 2.25rem;
    }
}

/* =====================================================
   AUTHORITY SECTION
   ===================================================== */
.authority-section {
    background: linear-gradient(135deg, var(--gray-100) 0%, var(--white) 100%);
}

.authority-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    margin-bottom: 64px;
}

.authority-badge {
    text-align: center;
    padding: 32px 24px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.authority-badge:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.authority-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    color: var(--white);
}

.authority-icon svg {
    width: 32px;
    height: 32px;
}

.authority-badge h4 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: 4px;
}

.authority-badge p {
    font-size: 0.9rem;
    color: var(--gray-500);
}

.partner-logos {
    text-align: center;
    padding-top: 32px;
    border-top: 1px solid var(--gray-300);
}

.partner-label {
    font-size: 0.875rem;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 24px;
}

.logo-row {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 48px;
    flex-wrap: wrap;
}

.partner-logo {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--gray-500);
    opacity: 0.7;
    transition: var(--transition);
}

.partner-logo:hover {
    opacity: 1;
    color: var(--primary);
}

/* =====================================================
   BUNDLE SECTION
   ===================================================== */
.bundle-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: var(--white);
}

.bundle-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.bundle-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.2);
    backdrop-filter: blur(10px);
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 500;
    margin-bottom: 24px;
}

.bundle-badge svg {
    width: 16px;
    height: 16px;
    color: var(--secondary);
}

.bundle-content h2 {
    font-family: var(--font-display);
    font-size: 2.75rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.bundle-description {
    font-size: 1.125rem;
    opacity: 0.9;
    margin-bottom: 32px;
}

.bundle-benefits {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 32px;
}

.bundle-benefit {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1rem;
}

.bundle-benefit svg {
    width: 20px;
    height: 20px;
    color: var(--secondary);
    flex-shrink: 0;
}

.urgency-timer {
    background: rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: 24px;
    margin-bottom: 32px;
}

.urgency-text {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 16px;
    color: var(--secondary);
}

.countdown {
    display: flex;
    gap: 24px;
}

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

.countdown-number {
    display: block;
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1;
}

.countdown-label {
    font-size: 0.75rem;
    opacity: 0.8;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.bundle-visual {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
}

.bundle-card {
    background: var(--white);
    color: var(--gray-900);
    padding: 32px 24px;
    border-radius: var(--radius-lg);
    text-align: center;
    min-width: 120px;
    box-shadow: var(--shadow-lg);
}

.bundle-card svg {
    width: 48px;
    height: 48px;
    color: var(--primary);
    margin-bottom: 12px;
}

.bundle-card span {
    display: block;
    font-weight: 600;
    font-size: 1.125rem;
}

.bundle-plus,
.bundle-equals {
    font-size: 2rem;
    font-weight: 700;
    color: var(--white);
}

.bundle-savings {
    background: var(--secondary);
    color: var(--white);
    padding: 32px 24px;
    border-radius: var(--radius-lg);
    text-align: center;
    min-width: 140px;
    box-shadow: var(--shadow-lg);
}

.savings-amount {
    display: block;
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    line-height: 1;
}

.savings-text {
    font-size: 1rem;
    font-weight: 600;
    letter-spacing: 2px;
}

/* =====================================================
   SWITCHING CTA SECTION (Home/Car Toggle)
   ===================================================== */
.switching-cta-section {
    background: var(--white);
}

.switching-cta-container {
    max-width: 900px;
    margin: 0 auto;
}

.switching-tabs {
    display: flex;
    gap: 16px;
    margin-bottom: 32px;
    border-bottom: 2px solid var(--gray-300);
}

.switch-tab {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 32px;
    background: none;
    border: none;
    font-family: var(--font-primary);
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--gray-500);
    cursor: pointer;
    border-bottom: 3px solid transparent;
    margin-bottom: -2px;
    transition: var(--transition);
}

.switch-tab svg {
    width: 24px;
    height: 24px;
}

.switch-tab:hover {
    color: var(--primary);
}

.switch-tab.active {
    color: var(--primary);
    border-bottom-color: var(--primary);
}

.switching-content {
    background: var(--gray-100);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.switch-panel {
    display: none;
    padding: 48px;
}

.switch-panel.active {
    display: block;
}

.switch-panel-content {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 48px;
    align-items: center;
}

.switch-text h3 {
    font-family: var(--font-display);
    font-size: 1.75rem;
    color: var(--gray-900);
    margin-bottom: 16px;
}

.switch-text p {
    color: var(--gray-500);
    margin-bottom: 24px;
    font-size: 1.05rem;
}

.switch-features {
    margin-bottom: 32px;
}

.switch-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 8px 0;
    color: var(--gray-700);
}

.switch-features li svg {
    width: 20px;
    height: 20px;
    color: var(--accent);
    flex-shrink: 0;
}

.switch-note {
    margin-top: 16px;
    font-size: 0.9rem;
    color: var(--gray-500);
}

.switch-visual {
    display: flex;
    align-items: center;
    justify-content: center;
}

.visual-placeholder {
    width: 160px;
    height: 160px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    box-shadow: var(--shadow-lg);
}

/* =====================================================
   PROCESS SECTION
   ===================================================== */
.process-section {
    max-width: 800px;
    margin: 0 auto;
}

.process-timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
    margin-bottom: 48px;
}

.process-step-large {
    display: flex;
    gap: 32px;
    padding: 32px 0;
    border-bottom: 1px solid var(--gray-300);
    position: relative;
}

.process-step-large:last-child {
    border-bottom: none;
}

.step-circle {
    width: 64px;
    height: 64px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: 700;
    flex-shrink: 0;
}

.step-content h3 {
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.step-content p {
    color: var(--gray-500);
    font-size: 1rem;
}

.process-cta {
    text-align: center;
    padding-top: 32px;
}

.process-note {
    margin-top: 16px;
    font-size: 0.9rem;
    color: var(--gray-500);
}

/* =====================================================
   SOCIAL PROOF SECTION
   ===================================================== */
.social-proof-section {
    background: var(--white);
}

.social-proof-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-bottom: 48px;
}

.social-feed-card {
    background: var(--gray-100);
    border-radius: var(--radius-md);
    padding: 24px;
    transition: var(--transition);
}

.social-feed-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.feed-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.feed-avatar {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-weight: 600;
    font-size: 0.875rem;
}

.feed-info {
    flex: 1;
}

.feed-name {
    display: block;
    font-weight: 600;
    color: var(--gray-900);
    font-size: 0.95rem;
}

.feed-location {
    display: block;
    font-size: 0.8rem;
    color: var(--gray-500);
}

.feed-time {
    font-size: 0.75rem;
    color: var(--gray-500);
}

.feed-content p {
    color: var(--gray-700);
    font-size: 0.95rem;
    margin-bottom: 8px;
}

.feed-badge {
    display: inline-block;
    background: var(--accent);
    color: var(--white);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
}

.social-proof-stats {
    display: flex;
    justify-content: center;
    gap: 48px;
    padding-top: 32px;
    border-top: 1px solid var(--gray-300);
}

.live-stat {
    display: flex;
    align-items: center;
    gap: 12px;
}

.live-dot {
    width: 12px;
    height: 12px;
    background: #22c55e;
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.live-text {
    color: var(--gray-500);
    font-size: 1rem;
}

.live-text strong {
    color: var(--gray-900);
}

/* =====================================================
   RESPONSIVE STYLES FOR NEW SECTIONS
   ===================================================== */
@media (max-width: 1024px) {
    .authority-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .bundle-container {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .bundle-benefits {
        align-items: center;
    }
    
    .bundle-visual {
        order: -1;
    }
    
    .switch-panel-content {
        grid-template-columns: 1fr;
    }
    
    .switch-visual {
        order: -1;
    }
    
    .social-proof-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .authority-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .authority-badge {
        padding: 24px;
    }
    
    .logo-row {
        gap: 24px;
    }
    
    .bundle-content h2 {
        font-size: 2rem;
    }
    
    .countdown {
        justify-content: center;
    }
    
    .countdown-number {
        font-size: 2rem;
    }
    
    .switching-tabs {
        flex-direction: column;
        gap: 8px;
        border-bottom: none;
    }
    
    .switch-tab {
        border-bottom: none;
        border-radius: var(--radius-md);
        background: var(--gray-100);
        margin-bottom: 0;
    }
    
    .switch-tab.active {
        background: var(--primary);
        color: var(--white);
        border-bottom: none;
    }
    
    .switch-panel {
        padding: 32px 24px;
    }
    
    .process-step-large {
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }
    
    .step-circle {
        margin: 0 auto;
    }
    
    .social-proof-grid {
        grid-template-columns: 1fr;
    }
    
    .social-proof-stats {
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .hero-cta {
        flex-direction: column;
    }
    
    .btn {
        width: 100%;
    }
    
    .section {
        padding: 60px 0;
    }
    
    .cta-section h2 {
        font-size: 1.75rem;
    }
    
    .bundle-visual {
        flex-direction: column;
    }
    
    .bundle-plus,
    .bundle-equals {
        transform: rotate(90deg);
    }
    
    .countdown {
        gap: 16px;
    }
    
    .countdown-item {
        min-width: 60px;
    }
}

/* =====================================================
   INSURANCE SERVICES GRID - 3x3 LAYOUT
   ===================================================== */
.insurance-services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.insurance-service-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.insurance-service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.service-image {
    position: relative;
    height: 200px;
    overflow: hidden;
}

.service-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.insurance-service-card:hover .service-image img {
    transform: scale(1.05);
}

.service-badge {
    position: absolute;
    top: 16px;
    left: 16px;
    background: var(--secondary);
    color: var(--white);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    box-shadow: var(--shadow-md);
}

.service-content {
    padding: 28px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.service-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    margin-bottom: 16px;
}

.service-icon svg {
    width: 28px;
    height: 28px;
}

.service-content h3 {
    font-family: var(--font-display);
    font-size: 1.375rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 12px;
}

.service-description {
    font-size: 0.95rem;
    color: var(--gray-500);
    line-height: 1.7;
    margin-bottom: 16px;
    flex: 1;
}

.service-features {
    margin-bottom: 20px;
}

.service-features li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.875rem;
    color: var(--gray-700);
    padding: 4px 0;
}

.service-features li::before {
    content: '';
    width: 6px;
    height: 6px;
    background: var(--accent);
    border-radius: 50%;
    flex-shrink: 0;
}

.service-price {
    font-size: 1rem;
    color: var(--gray-500);
    margin-bottom: 20px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
}

.service-price strong {
    font-size: 1.25rem;
    color: var(--primary);
    font-weight: 700;
}

.service-buttons {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}

.service-buttons .btn {
    flex: 1;
    min-width: 100px;
    padding: 12px 20px;
    font-size: 0.9rem;
}

.btn-call {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.btn-call svg {
    width: 16px;
    height: 16px;
}

/* CTA Buttons in final section */
.cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.cta-buttons .btn {
    display: inline-flex;
    align-items: center;
}

/* =====================================================
   RESPONSIVE STYLES FOR INSURANCE SERVICES GRID
   ===================================================== */
@media (max-width: 1024px) {
    .insurance-services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .insurance-services-grid {
        grid-template-columns: 1fr;
    }
    
    .service-image {
        height: 220px;
    }
    
    .service-content {
        padding: 24px;
    }
    
    .service-buttons {
        flex-direction: column;
    }
    
    .service-buttons .btn {
        width: 100%;
    }
}

@media (max-width: 480px) {
    .service-image {
        height: 180px;
    }
    
    .service-content h3 {
        font-size: 1.25rem;
    }
    
    .service-description {
        font-size: 0.9rem;
    }
}

/* =====================================================
   UNSPLASH IMAGES STYLES
   ===================================================== */

/* Hero Image */
.hero-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: var(--radius-lg);
    opacity: 0.95;
    box-shadow: var(--shadow-xl);
}

/* About Images */
.about-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

/* Author Avatar Images (Leadership) */
.author-avatar-img {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
    border: 3px solid var(--primary);
}

/* Switching CTA Visual Placeholders with Images */
.switch-visual-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 50%;
}

/* Bundle Card Images */
.bundle-card-img {
    width: 48px;
    height: 48px;
    object-fit: cover;
    border-radius: var(--radius-sm);
    margin-bottom: 12px;
}

/* Social Feed Avatar Images */
.feed-avatar-img {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
}

/* Map/Location Images */
.location-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* =====================================================
   HOMEPAGE REDESIGN - NEW STYLES
   ===================================================== */

/* --- Hero Full Background --- */
.hero-fullbg {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding-top: 80px;
    overflow: hidden;
    background: #0a1628;
}

.hero-bg-img {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    transform: scale(1.05);
    transition: transform 8s ease;
}

.hero-fullbg:hover .hero-bg-img {
    transform: scale(1);
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10,22,40,0.88) 0%, rgba(10,22,40,0.65) 60%, rgba(255,101,63,0.25) 100%);
    z-index: 1;
}

.hero-center {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 780px;
    margin: 0 auto;
    padding: 60px 20px;
    color: var(--white);
}

.hero-center .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.12);
    border: 1px solid rgba(255,255,255,0.25);
    backdrop-filter: blur(12px);
    padding: 10px 20px;
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 500;
    margin-bottom: 32px;
    color: #fff;
}

.hero-center .hero-badge svg {
    width: 16px;
    height: 16px;
    color: var(--secondary);
}

.hero-center h1 {
    font-family: var(--font-display);
    font-size: 4.5rem;
    font-weight: 700;
    line-height: 1.15;
    margin-bottom: 24px;
    color: #fff;
}

.hero-highlight {
    color: var(--primary);
    position: relative;
}

.hero-center .hero-description {
    font-size: 1.2rem;
    opacity: 0.88;
    margin-bottom: 40px;
    max-width: 580px;
    margin-left: auto;
    margin-right: auto;
    color: #fff;
}

.hero-center .hero-cta {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.btn-hero-primary {
    background: var(--primary);
    color: #fff;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    border-radius: var(--radius-md);
    font-weight: 600;
    box-shadow: 0 8px 30px rgba(255,101,63,0.45);
    transition: var(--transition);
}

.btn-hero-primary:hover {
    background: #e5522e;
    transform: translateY(-3px);
    box-shadow: 0 12px 40px rgba(255,101,63,0.55);
}

.btn-hero-outline {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255,255,255,0.6);
    border-radius: var(--radius-md);
    font-weight: 600;
    transition: var(--transition);
}

.btn-hero-outline:hover {
    background: rgba(255,255,255,0.15);
    border-color: #fff;
    transform: translateY(-3px);
}

.hero-scroll-hint {
    position: absolute;
    bottom: 32px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 2;
    color: rgba(255,255,255,0.5);
    animation: bounce 2s infinite;
}

.hero-scroll-hint svg {
    width: 28px;
    height: 28px;
}

@keyframes bounce {
    0%, 100% { transform: translateX(-50%) translateY(0); }
    50% { transform: translateX(-50%) translateY(8px); }
}

/* --- Stats Strip --- */
.stats-strip {
    background: #fff;
    box-shadow: 0 4px 30px rgba(0,0,0,0.1);
    position: relative;
    z-index: 10;
}

.stats-strip-inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    padding: 0;
}

.strip-stat {
    flex: 1;
    text-align: center;
    padding: 28px 20px;
    transition: var(--transition);
}

.strip-stat:hover {
    background: var(--gray-100);
}

.strip-number {
    display: block;
    font-family: var(--font-display);
    font-size: 2.25rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1;
    margin-bottom: 6px;
}

.strip-label {
    font-size: 0.85rem;
    color: var(--gray-500);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.strip-divider {
    width: 1px;
    height: 50px;
    background: var(--gray-300);
    flex-shrink: 0;
}

/* --- About Section New --- */
.about-section-new {
    background: #fff;
    padding: 100px 0;
}

.about-content-new {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-image-new {
    position: relative;
}

.about-img-new {
    width: 100%;
    height: 480px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
}

.about-badge-float {
    position: absolute;
    bottom: -24px;
    right: -24px;
    background: var(--primary);
    color: #fff;
    padding: 18px 24px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    gap: 14px;
    box-shadow: 0 8px 30px rgba(255,101,63,0.4);
}

.about-badge-float svg {
    width: 32px;
    height: 32px;
    flex-shrink: 0;
}

.about-badge-float strong {
    display: block;
    font-size: 1.1rem;
    font-weight: 700;
}

.about-badge-float span {
    font-size: 0.8rem;
    opacity: 0.85;
}

.about-text-new {
    padding-right: 20px;
}

.about-text-new h2 {
    font-family: var(--font-display);
    font-size: 2.75rem;
    color: var(--gray-900);
    margin-bottom: 24px;
    line-height: 1.2;
}

.about-text-new p {
    font-size: 1.05rem;
    color: var(--gray-500);
    margin-bottom: 16px;
    line-height: 1.8;
}

.about-pillars {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 28px;
}

.pillar {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    color: var(--gray-900);
    font-size: 1rem;
}

.pillar svg {
    width: 20px;
    height: 20px;
    color: var(--primary);
    flex-shrink: 0;
}

/* --- Section Backgrounds --- */
.section-dark-wave {
    background: linear-gradient(160deg, #0a1628 0%, #0d2040 100%);
    position: relative;
}

.section-dark-wave .section-label {
    color: var(--secondary);
}

.section-dark-wave h2 {
    color: #fff;
}

.section-dark-wave .section-description {
    color: rgba(255,255,255,0.65);
}

.section-dark-wave .insurance-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
}

.section-dark-wave .insurance-card h3 {
    color: #fff;
}

.section-dark-wave .insurance-card p {
    color: rgba(255,255,255,0.65);
}

.section-dark-wave .insurance-card .card-icon {
    background: rgba(255,101,63,0.15);
    color: var(--primary);
}

.section-dark-wave .insurance-card:hover .card-icon {
    background: var(--primary);
    color: #fff;
}

.section-dark-wave .card-link {
    color: var(--secondary);
}

.section-light-angled {
    background: linear-gradient(170deg, #f0f4ff 0%, #fff 60%);
}

.section-teal-bg {
    background: linear-gradient(135deg, #0d2040 0%, #0a3a63 100%);
}

.section-teal-bg .section-label {
    color: var(--secondary);
}

.section-teal-bg h2 {
    color: #fff;
}

.section-teal-bg .section-description {
    color: rgba(255,255,255,0.65);
}

.section-teal-bg .testimonial-card {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    backdrop-filter: blur(10px);
}

.section-teal-bg .testimonial-text {
    color: rgba(255,255,255,0.88);
}

.section-teal-bg .testimonial-card::before {
    color: var(--secondary);
    opacity: 0.4;
}

.section-teal-bg .author-info h4 {
    color: #fff;
}

.section-teal-bg .author-info p {
    color: rgba(255,255,255,0.55);
}

.section-white-clean {
    background: #fff;
}

/* --- Feature items on light angled bg --- */
.section-light-angled .feature-item {
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

/* --- Process steps on white clean --- */
.section-white-clean .step-circle {
    background: linear-gradient(135deg, var(--primary), #ff8c6b);
    box-shadow: 0 6px 20px rgba(255,101,63,0.35);
}

/* --- Responsive for new hero --- */
@media (max-width: 768px) {
    .hero-center h1 {
        font-size: 2.75rem;
    }

    .hero-center .hero-description {
        font-size: 1rem;
    }

    .stats-strip-inner {
        flex-wrap: wrap;
    }

    .strip-divider {
        display: none;
    }

    .strip-stat {
        flex: 1 1 45%;
        border-bottom: 1px solid var(--gray-300);
    }

    .about-content-new {
        grid-template-columns: 1fr;
        gap: 60px;
    }

    .about-badge-float {
        right: 0;
        bottom: -20px;
    }

    .about-text-new {
        padding-right: 0;
    }

    .about-text-new h2 {
        font-size: 2rem;
    }
}

@media (max-width: 480px) {
    .hero-center h1 {
        font-size: 2.1rem;
    }

    .strip-stat {
        flex: 1 1 100%;
    }
}

/* =====================================================
   CTA GLOBAL POPUP
   ===================================================== */
.cta-popup-overlay {
    position: fixed;
    inset: 0;
    background: rgba(10, 22, 40, 0.75);
    backdrop-filter: blur(4px);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.35s ease, visibility 0.35s ease;
}

.cta-popup-overlay.active {
    opacity: 1;
    visibility: visible;
}

.cta-popup {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px 40px 40px;
    max-width: 520px;
    width: 100%;
    text-align: center;
    position: relative;
    box-shadow: var(--shadow-xl);
    transform: translateY(30px) scale(0.97);
    transition: transform 0.35s ease;
}

.cta-popup-overlay.active .cta-popup {
    transform: translateY(0) scale(1);
}

.cta-popup-close {
    position: absolute;
    top: 16px;
    right: 20px;
    background: none;
    border: none;
    font-size: 1.75rem;
    line-height: 1;
    color: var(--gray-500);
    cursor: pointer;
    transition: var(--transition);
}

.cta-popup-close:hover {
    color: var(--gray-900);
}

.cta-popup-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--primary), #ff8c6b);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--white);
    box-shadow: 0 8px 24px rgba(255, 101, 63, 0.4);
}

.cta-popup-icon svg {
    width: 30px;
    height: 30px;
}

.cta-popup-label {
    display: inline-block;
    background: var(--secondary);
    color: var(--white);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    padding: 4px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
}

.cta-popup-title {
    font-family: var(--font-display);
    font-size: 1.9rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: 12px;
    line-height: 1.25;
}

.cta-popup-desc {
    font-size: 1.05rem;
    color: var(--gray-500);
    margin-bottom: 28px;
    line-height: 1.7;
}

.cta-popup-desc strong {
    color: var(--primary);
}

.cta-popup-actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 20px;
}

.cta-popup-actions .btn-outline {
    border-color: var(--primary);
    color: var(--primary);
}

.cta-popup-note {
    font-size: 0.82rem;
    color: var(--gray-500);
}

@media (max-width: 480px) {
    .cta-popup {
        padding: 40px 24px 32px;
    }

    .cta-popup-title {
        font-size: 1.5rem;
    }

    .cta-popup-actions {
        flex-direction: column;
    }

    .cta-popup-actions .btn {
        width: 100%;
    }
}