/* ============================================================
   Colors: Navy #1B3A7A | Green #27AE60 | Gold #E8A320
   Font: Poppins (Google Fonts)
   ============================================================ */

:root {
  --primary: #1B3A7A;
  --primary-dark: #0D1B3E;
  --primary-light: #2550b8;
  --green: #27AE60;
  --green-dark: #1e8449;
  --green-light: #2ecc71;
  --accent: #E8A320;
  --white: #ffffff;
  --off-white: #f8f9fb;
  --light-blue: #EEF2FF;
  --text: #2c2c2c;
  --text-gray: #6c757d;
  --border: #dee2e6;
  --shadow: 0 5px 25px rgba(0,0,0,0.10);
  --shadow-lg: 0 15px 50px rgba(0,0,0,0.15);
  --transition: all 0.3s ease;
  --radius: 10px;
  --radius-lg: 20px;
}

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

body {
  font-family: 'Poppins', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

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

::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: #f1f1f1; }
::-webkit-scrollbar-thumb { background: var(--primary); border-radius: 3px; }

/* ===== TOP BAR ===== */
.top-bar { background: var(--primary-dark); color: rgba(255,255,255,0.9); padding: 8px 0; font-size: 0.82rem; }
.top-bar-inner { max-width: 1200px; margin: 0 auto; padding: 0 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.top-bar a { color: rgba(255,255,255,0.9); }
.top-bar a:hover { color: var(--accent); }
.top-bar-left, .top-bar-right { display: flex; align-items: center; gap: 20px; }
.top-bar span { display: flex; align-items: center; gap: 6px; }
.top-bar .badge-irdai { background: var(--green); color: white; padding: 2px 10px; border-radius: 20px; font-size: 0.75rem; font-weight: 600; }

/* ===== NAVBAR ===== */
.navbar { background: var(--white); box-shadow: 0 2px 20px rgba(0,0,0,0.08); position: sticky; top: 0; z-index: 9999; transition: var(--transition); isolation: isolate; }
.navbar.scrolled { box-shadow: 0 4px 30px rgba(0,0,0,0.15); }
.nav-inner { max-width: 1280px; margin: 0 auto; padding: 0 20px; display: flex; align-items: center; justify-content: space-between; height: 64px; gap: 10px; }

/* Logo */
.nav-logo { display: flex; align-items: center; gap: 8px; font-size: 1.15rem; font-weight: 700; color: var(--primary); white-space: nowrap; flex-shrink: 0; }
.nav-logo img { height: 38px; }

/* Nav links row */
.nav-links { display: flex; align-items: center; gap: 2px; flex: 1; justify-content: center; flex-wrap: nowrap; }
.nav-links > a, .nav-links > .nav-dropdown > a {
  padding: 7px 10px; border-radius: 6px; font-size: 0.82rem; font-weight: 600;
  color: var(--text); transition: var(--transition); position: relative; white-space: nowrap;
}
.nav-links > a:hover, .nav-links > a.active { color: var(--primary); background: var(--light-blue); }
.nav-links > a.active::after { content: ''; position: absolute; bottom: 2px; left: 50%; transform: translateX(-50%); width: 18px; height: 2px; background: var(--primary); border-radius: 2px; }

/* CTA buttons */
.nav-cta { display: flex; align-items: center; gap: 6px; flex-shrink: 0; }
.nav-cta .btn-login { padding: 6px 14px; border-radius: 20px; font-size: 0.8rem; font-weight: 600; color: var(--primary); border: 2px solid var(--primary); transition: var(--transition); white-space: nowrap; }
.nav-cta .btn-login:hover { background: var(--primary); color: white; }
.nav-cta .btn-quote { padding: 6px 14px; border-radius: 20px; font-size: 0.8rem; font-weight: 700; background: linear-gradient(135deg, var(--green), var(--green-dark)); color: white; border: 2px solid transparent; cursor: pointer; transition: var(--transition); white-space: nowrap; }
.nav-cta .btn-quote:hover { transform: translateY(-1px); box-shadow: 0 4px 16px rgba(39,174,96,0.45); }
.nav-cta .btn-advisor-cta { padding: 6px 14px; border-radius: 20px; font-size: 0.8rem; font-weight: 700; background: linear-gradient(135deg, #27AE60, #1e8449); color: white; border: 2px solid transparent; cursor: pointer; transition: var(--transition); white-space: nowrap; text-decoration: none; display: inline-flex; align-items: center; gap: 5px; }
.nav-cta .btn-advisor-cta:hover { background: linear-gradient(135deg, #1e8449, #27AE60); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(39,174,96,0.45); color: white; }

/* Hamburger */
.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 5px; flex-direction: column; gap: 5px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--primary); border-radius: 2px; transition: var(--transition); }

/* Mobile menu */
.mobile-menu { display: none; background: white; border-top: 1px solid var(--border); padding: 12px 20px; }
.mobile-menu.open { display: block; }
.mobile-menu a { display: block; padding: 10px 0; border-bottom: 1px solid var(--border); font-weight: 500; color: var(--text); font-size: 0.92rem; }
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu-btns { display: flex; gap: 8px; margin-top: 14px; flex-wrap: wrap; }
.mobile-menu-btns a { flex: 1; text-align: center; padding: 10px 8px; border-radius: 6px; font-weight: 600; border-bottom: none; min-width: 80px; font-size: 0.8rem; }
.mobile-menu-btns .btn-login { border: 2px solid var(--primary); color: var(--primary); }
.mobile-menu-btns .btn-quote { background: var(--green); color: white; }
.mobile-menu-btns .btn-advisor-cta { background: linear-gradient(135deg, #27AE60, #1e8449); color: white; }

/* ===== NAV DROPDOWN ===== */
.nav-dropdown { position: relative; display: inline-flex; align-items: center; }
.nav-dropdown-toggle {
  display: flex !important; align-items: center; gap: 4px; cursor: pointer;
  padding: 7px 10px; border-radius: 6px; font-size: 0.82rem; font-weight: 600;
  color: var(--text); transition: var(--transition); white-space: nowrap;
}
.nav-dropdown-toggle:hover, .nav-dropdown-toggle.active { color: var(--primary); background: var(--light-blue); }
.nav-dropdown-toggle i { font-size: 0.6rem; transition: transform 0.25s ease; }

/* Glassmorphism dropdown menus */
.nav-dropdown-menu {
  position: absolute; top: calc(100% + 10px); left: 0;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(20px) saturate(1.8);
  -webkit-backdrop-filter: blur(20px) saturate(1.8);
  min-width: 220px; border-radius: 14px;
  box-shadow: 0 16px 50px rgba(27,58,122,0.18), 0 0 0 1px rgba(27,58,122,0.06);
  padding: 10px 0; z-index: 99999; display: none;
  border: 1px solid rgba(255,255,255,0.8);
}
.nav-dropdown-menu::before {
  content: ''; position: absolute; top: -6px; left: 18px;
  width: 12px; height: 12px; background: rgba(255,255,255,0.98);
  transform: rotate(45deg); border-left: 1px solid rgba(27,58,122,0.06);
  border-top: 1px solid rgba(27,58,122,0.06);
}
.nav-dropdown-menu .dd-section-label {
  display: block; font-size: 0.68rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1px; color: var(--text-gray); padding: 8px 16px 4px;
}
.nav-dropdown-menu hr { border: none; border-top: 1px solid rgba(0,0,0,0.06); margin: 6px 12px; }
.nav-dropdown-menu a {
  display: flex !important; align-items: center; gap: 10px;
  padding: 9px 16px !important; font-size: 0.84rem !important;
  font-weight: 600 !important; color: var(--text) !important;
  background: none !important; border-radius: 0 !important;
  transition: background 0.15s, color 0.15s, padding-left 0.15s !important;
}
.nav-dropdown-menu a:hover { background: var(--light-blue) !important; color: var(--primary) !important; padding-left: 20px !important; }
.nav-dropdown-menu a.active { color: var(--primary) !important; background: var(--light-blue) !important; }
.nav-dropdown-menu a .dd-icon { width: 28px; height: 28px; border-radius: 7px; display: inline-flex; align-items: center; justify-content: center; font-size: 0.85rem; flex-shrink: 0; }

/* Mobile dropdown group */
.mobile-dropdown-label { display: block; padding: 10px 0; border-bottom: 1px solid var(--border); font-weight: 600; color: var(--primary); font-size: 0.88rem; cursor: pointer; }
.mobile-dropdown-items { display: none; }
.mobile-dropdown-items.open { display: block; }
.mobile-dropdown-items a { padding-left: 16px !important; font-size: 0.87rem !important; color: var(--text-gray) !important; }
/* Hamburger icon variant (i tag) */
.hamburger i { font-size: 1.2rem; color: var(--primary); }

/* ===== RESPONSIVE NAVBAR (desktop min-width guard) ===== */
@media (min-width: 1024px) {
  .nav-links { gap: 0; }
  .nav-links > a, .nav-dropdown-toggle { padding: 7px 9px; }
}
@media (min-width: 1200px) {
  .nav-links > a, .nav-dropdown-toggle { padding: 7px 11px; font-size: 0.85rem; }
  .nav-cta .btn-login, .nav-cta .btn-quote, .nav-cta .btn-advisor-cta { font-size: 0.83rem; padding: 7px 16px; }
}

/* ===== BUTTONS ===== */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; border-radius: 8px; font-size: 0.95rem; font-weight: 600; cursor: pointer; transition: var(--transition); border: 2px solid transparent; text-decoration: none; }
.btn-primary { background: linear-gradient(135deg, var(--primary-light), var(--primary)); color: white; }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(27,58,122,0.4); color: white; }
.btn-green { background: linear-gradient(135deg, var(--green-light), var(--green)); color: white; }
.btn-green:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(39,174,96,0.4); color: white; }
.btn-outline-white { background: transparent; color: white; border-color: rgba(255,255,255,0.8); }
.btn-outline-white:hover { background: white; color: var(--primary); }
.btn-outline-primary { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline-primary:hover { background: var(--primary); color: white; }
.btn-accent { background: linear-gradient(135deg, #f5b82e, var(--accent)); color: var(--primary-dark); }
.btn-accent:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(232,163,32,0.4); color: var(--primary-dark); }
.btn-lg { padding: 15px 36px; font-size: 1rem; border-radius: 10px; }

/* ===== HERO SLIDER ===== */
.hero-slider { position: relative; height: 100vh; min-height: 600px; max-height: 850px; overflow: hidden; }
.slide { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0; transition: opacity 0.8s ease, transform 1.2s ease; transform: scale(1.05); pointer-events: none; }
.slide.active { opacity: 1; transform: scale(1); pointer-events: auto; }
.slide-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(13,27,62,0.85) 0%, rgba(27,58,122,0.6) 50%, rgba(13,27,62,0.4) 100%); }
.slide-content { position: absolute; top: 50%; left: 0; right: 0; transform: translateY(-50%); max-width: 1200px; margin: 0 auto; padding: 0 40px; display: grid; grid-template-columns: 1fr 380px; gap: 40px; align-items: center; opacity: 0; transition: opacity 0.5s ease 0.3s, transform 0.6s ease 0.3s; transform: translateY(calc(-50% + 30px)); z-index: 2; }
.slide.active .slide-content { opacity: 1; transform: translateY(-50%); }
.slide-tag { display: inline-block; background: rgba(232,163,32,0.9); color: var(--primary-dark); padding: 5px 16px; border-radius: 20px; font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; }
.slide-title { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 800; color: white; line-height: 1.15; margin-bottom: 16px; }
.slide-title span { color: var(--accent); }
.slide-desc { font-size: 1rem; color: rgba(255,255,255,0.85); margin-bottom: 30px; max-width: 520px; line-height: 1.7; }
.slide-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.slide-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.stat-card { background: rgba(255,255,255,0.12); backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.2); border-radius: var(--radius); padding: 18px; text-align: center; color: white; }
.stat-card .stat-num { font-size: 1.8rem; font-weight: 800; color: var(--accent); display: block; line-height: 1; }
.stat-card .stat-label { font-size: 0.75rem; opacity: 0.85; margin-top: 4px; display: block; }
.slider-arrows { position: absolute; bottom: 30px; right: 40px; display: flex; gap: 10px; z-index: 10; }
.slider-arrow { width: 44px; height: 44px; border-radius: 50%; border: 2px solid rgba(255,255,255,0.6); background: rgba(255,255,255,0.15); color: white; font-size: 1rem; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: var(--transition); backdrop-filter: blur(5px); }
.slider-arrow:hover { background: var(--primary); border-color: var(--primary); }
.slider-dots { position: absolute; bottom: 38px; left: 50%; transform: translateX(-50%); display: flex; gap: 8px; z-index: 10; }
.dot { width: 10px; height: 10px; border-radius: 50%; background: rgba(255,255,255,0.4); cursor: pointer; transition: var(--transition); }
.dot.active { background: var(--accent); transform: scale(1.3); }
.slider-progress { position: absolute; bottom: 0; left: 0; height: 4px; background: var(--accent); width: 0; transition: width linear; z-index: 10; }

/* ===== PAGE HERO ===== */
.page-hero { height: 320px; background-size: cover; background-position: center; position: relative; display: flex; align-items: center; }
.page-hero-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(13,27,62,0.88) 0%, rgba(27,58,122,0.65) 100%); }
.page-hero-content { position: relative; z-index: 2; max-width: 1200px; margin: 0 auto; padding: 0 30px; color: white; }
.page-hero-content h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; margin-bottom: 10px; }
.page-hero-content p { font-size: 1.05rem; opacity: 0.88; max-width: 550px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; opacity: 0.8; margin-bottom: 12px; }
.breadcrumb a { opacity: 0.8; }
.breadcrumb a:hover { opacity: 1; }
.breadcrumb i { font-size: 0.7rem; }

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section-header { text-align: center; margin-bottom: 55px; }
.section-tag { display: inline-block; background: var(--light-blue); color: var(--primary); padding: 6px 18px; border-radius: 20px; font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.section-title { font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 800; color: var(--primary-dark); margin-bottom: 12px; line-height: 1.2; }
.section-title span { color: var(--primary); }
.section-subtitle { font-size: 1rem; color: var(--text-gray); max-width: 600px; margin: 0 auto; }

/* ===== STATS BAR ===== */
.stats-bar { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); padding: 40px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-item { color: white; padding: 10px; }
.stat-item .num { font-size: 2.5rem; font-weight: 800; color: var(--accent); display: block; line-height: 1; }
.stat-item .label { font-size: 0.85rem; opacity: 0.85; margin-top: 6px; display: block; }
.stat-item .sublabel { font-size: 0.75rem; opacity: 0.6; display: block; }

/* ===== PRODUCT CARDS ===== */
.products-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.product-card { background: white; border-radius: var(--radius-lg); box-shadow: var(--shadow); overflow: hidden; transition: var(--transition); border: 1px solid var(--border); }
.product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.product-img { width: 100%; height: 180px; object-fit: cover; }
.product-body { padding: 22px; }
.product-icon { width: 50px; height: 50px; border-radius: 12px; background: var(--light-blue); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--primary); margin-bottom: 14px; }
.product-title { font-size: 1.1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.product-desc { font-size: 0.88rem; color: var(--text-gray); margin-bottom: 14px; line-height: 1.6; }
.product-features { margin-bottom: 18px; }
.product-features li { font-size: 0.82rem; color: var(--text); padding: 3px 0; display: flex; align-items: center; gap: 7px; }
.product-features li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }
.product-badges { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 18px; }
.badge { font-size: 0.72rem; padding: 3px 10px; border-radius: 20px; font-weight: 600; }
.badge-blue { background: var(--light-blue); color: var(--primary); }
.badge-green { background: #e8f8f0; color: var(--green-dark); }
.badge-gold { background: #fef9e7; color: #b7860b; }
.product-link { display: inline-flex; align-items: center; gap: 6px; color: var(--primary); font-size: 0.88rem; font-weight: 600; transition: var(--transition); }
.product-link:hover { color: var(--green); gap: 10px; }

/* ===== SERVICES TABS ===== */
.services-tabs { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 40px; }
.tab-btn { padding: 10px 24px; border-radius: 30px; border: 2px solid var(--border); background: white; color: var(--text-gray); font-size: 0.88rem; font-weight: 600; cursor: pointer; transition: var(--transition); }
.tab-btn:hover, .tab-btn.active { background: var(--primary); color: white; border-color: var(--primary); }
.tab-content { display: none; }
.tab-content.active { display: block; }
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 24px; }
.service-card { background: white; border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); border: 1px solid var(--border); transition: var(--transition); }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.service-card-header { display: flex; align-items: center; gap: 16px; margin-bottom: 18px; }
.service-icon { width: 54px; height: 54px; border-radius: 14px; background: var(--light-blue); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; flex-shrink: 0; }
.service-icon.green { background: #e8f8f0; }
.service-icon.gold { background: #fef9e7; }
.service-card h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); }
.service-card p { font-size: 0.86rem; color: var(--text-gray); margin-bottom: 14px; line-height: 1.6; }
.service-card ul { margin-bottom: 18px; }
.service-card ul li { font-size: 0.83rem; padding: 4px 0; display: flex; align-items: center; gap: 8px; border-bottom: 1px dashed rgba(0,0,0,0.05); }
.service-card ul li::before { content: '→'; color: var(--primary); font-size: 0.8rem; }
.quote-btn { display: inline-block; padding: 8px 20px; background: var(--primary); color: white; border-radius: 6px; font-size: 0.83rem; font-weight: 600; transition: var(--transition); }
.quote-btn:hover { background: var(--green); color: white; transform: translateY(-2px); }

/* ===== WHY CHOOSE US ===== */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 24px; }
.why-card { background: white; border-radius: var(--radius-lg); padding: 34px 28px; box-shadow: var(--shadow); text-align: center; transition: var(--transition); border: 1px solid var(--border); position: relative; overflow: hidden; }
.why-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--primary), var(--green)); transform: scaleX(0); transition: var(--transition); }
.why-card:hover::before { transform: scaleX(1); }
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.why-icon { width: 70px; height: 70px; border-radius: 50%; background: var(--light-blue); display: flex; align-items: center; justify-content: center; font-size: 1.8rem; margin: 0 auto 18px; transition: var(--transition); }
.why-card:hover .why-icon { background: var(--primary); color: white; transform: scale(1.1); }
.why-card h4 { font-size: 1.05rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 10px; }
.why-card p { font-size: 0.87rem; color: var(--text-gray); line-height: 1.7; margin-bottom: 14px; }
.why-card ul { text-align: left; }
.why-card ul li { font-size: 0.82rem; padding: 3px 0; display: flex; align-items: center; gap: 7px; color: var(--text); }
.why-card ul li::before { content: '✓'; color: var(--green); font-weight: 700; }

/* ===== TESTIMONIALS ===== */
.testimonials-section { background: linear-gradient(135deg, #0f2a5e 0%, #1B3A7A 50%, #1a4a2e 100%); position: relative; }
.testimonials-section::before { content: ''; position: absolute; top: -60px; left: 0; width: 100%; height: 60px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'%3E%3Cpath d='M0,60 C300,0 900,0 1200,60 L1200,60 L0,60 Z' fill='%230f2a5e'/%3E%3C/svg%3E") no-repeat center/cover; }
.testimonials-section .section-tag { background: rgba(255,255,255,0.15); color: #7dd3fc; }
.testimonials-section .section-title { color: #fff; }
.testimonials-section .section-title span { color: #4ade80; }
.testimonials-section .testimonial-card { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); backdrop-filter: blur(10px); }
.testimonials-section .testimonial-text { color: rgba(255,255,255,0.85); }
.testimonials-section .author-info .name { color: #fff; }
.testimonials-section .author-info .role { color: rgba(255,255,255,0.6); }
.testimonials-section .verified { color: #4ade80; }
.testimonials-section .t-dot { background: rgba(255,255,255,0.3); }
.testimonials-section .t-dot.active { background: #4ade80; }
.testimonials-slider { position: relative; overflow: hidden; }
.testimonials-track { display: flex; gap: 24px; transition: transform 0.5s ease; }
.testimonial-card { min-width: calc(33.333% - 16px); background: white; border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow); flex-shrink: 0; }
.stars { color: #f39c12; font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { font-size: 0.9rem; color: var(--text); line-height: 1.8; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 48px; height: 48px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--green)); display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 1rem; flex-shrink: 0; }
.author-info .name { font-weight: 700; font-size: 0.92rem; color: var(--primary-dark); }
.author-info .role { font-size: 0.8rem; color: var(--text-gray); }
.verified { font-size: 0.75rem; color: var(--green); font-weight: 600; margin-top: 2px; display: block; }
.testimonial-nav { display: flex; justify-content: center; gap: 10px; margin-top: 35px; }
.t-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--border); cursor: pointer; transition: var(--transition); }
.t-dot.active { background: var(--primary); transform: scale(1.3); }

/* ===== CTA BANNER ===== */
.cta-banner { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); padding: 70px 0; position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; width: 400px; height: 400px; border-radius: 50%; background: rgba(255,255,255,0.04); top: -100px; right: -100px; }
.cta-banner::after { content: ''; position: absolute; width: 300px; height: 300px; border-radius: 50%; background: rgba(39,174,96,0.1); bottom: -80px; left: -80px; }
.cta-inner { position: relative; z-index: 2; text-align: center; max-width: 700px; margin: 0 auto; padding: 0 20px; }
.cta-inner h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; color: white; margin-bottom: 14px; }
.cta-inner p { color: rgba(255,255,255,0.82); margin-bottom: 30px; font-size: 1rem; }
.cta-checks { display: flex; gap: 20px; justify-content: center; flex-wrap: wrap; margin-bottom: 30px; }
.cta-check { color: rgba(255,255,255,0.9); font-size: 0.88rem; display: flex; align-items: center; gap: 7px; }
.cta-check i { color: var(--accent); }
.cta-inner .btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ===== ABOUT PAGE ===== */
.about-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-img-wrap { position: relative; }
.about-img-wrap img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; }
.about-img-badge { position: absolute; bottom: -20px; right: -20px; background: var(--primary); color: white; padding: 18px 24px; border-radius: var(--radius); text-align: center; box-shadow: var(--shadow); }
.about-img-badge .big { font-size: 1.8rem; font-weight: 800; display: block; line-height: 1; color: var(--accent); }
.about-img-badge .small { font-size: 0.78rem; display: block; opacity: 0.9; }
.about-text h2 { font-size: 2rem; font-weight: 800; color: var(--primary-dark); margin-bottom: 16px; }
.about-text p { font-size: 0.95rem; color: var(--text-gray); line-height: 1.8; margin-bottom: 16px; }
.about-text ul { margin-bottom: 28px; }
.about-text ul li { display: flex; align-items: flex-start; gap: 10px; padding: 7px 0; font-size: 0.92rem; }
.about-text ul li i { color: var(--green); margin-top: 3px; flex-shrink: 0; }
.values-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; }
.value-card { background: white; border-radius: var(--radius-lg); padding: 30px 24px; box-shadow: var(--shadow); text-align: center; transition: var(--transition); border: 2px solid transparent; }
.value-card:hover { transform: translateY(-6px); border-color: var(--primary); box-shadow: var(--shadow-lg); }
.value-icon { font-size: 2.4rem; margin-bottom: 14px; display: block; }
.value-card h4 { font-weight: 700; font-size: 1rem; color: var(--primary-dark); margin-bottom: 8px; }
.value-card p { font-size: 0.85rem; color: var(--text-gray); line-height: 1.7; }

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 28px; }
.team-card { background: white; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); text-align: center; transition: var(--transition); }
.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.team-photo-wrap { position: relative; overflow: hidden; }
.team-photo { width: 100%; height: 220px; object-fit: cover; object-position: top; transition: var(--transition); }
.team-card:hover .team-photo { transform: scale(1.05); }
.team-photo-placeholder { width: 100%; height: 220px; background: linear-gradient(135deg, var(--primary), var(--green)); display: flex; align-items: center; justify-content: center; font-size: 3rem; font-weight: 800; color: white; }
.team-info { padding: 18px 14px; }
.team-info h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
.team-role { font-size: 0.82rem; color: var(--green); font-weight: 600; margin-bottom: 12px; display: block; }
.team-socials { display: flex; justify-content: center; gap: 8px; }
.team-social { width: 32px; height: 32px; border-radius: 50%; background: var(--light-blue); display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 0.8rem; transition: var(--transition); }
.team-social:hover { background: var(--primary); color: white; transform: scale(1.15); }

/* ===== CONTACT PAGE ===== */
.contact-methods { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin-bottom: 60px; }
.contact-method { background: white; border-radius: var(--radius-lg); padding: 30px 24px; box-shadow: var(--shadow); text-align: center; transition: var(--transition); border: 2px solid transparent; }
.contact-method:hover { transform: translateY(-5px); border-color: var(--primary); box-shadow: var(--shadow-lg); }
.contact-method-icon { width: 60px; height: 60px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin: 0 auto 14px; }
.icon-blue { background: var(--light-blue); color: var(--primary); }
.icon-green { background: #e8f8f0; color: var(--green); }
.icon-gold { background: #fef9e7; color: var(--accent); }
.icon-red { background: #fdecea; color: #e74c3c; }
.contact-method h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.contact-method p { font-size: 0.85rem; color: var(--text-gray); margin-bottom: 12px; line-height: 1.6; }
.contact-method a { font-weight: 700; color: var(--primary); font-size: 0.9rem; display: block; margin-bottom: 4px; }
.contact-method a:hover { color: var(--green); }
.contact-method .hours { font-size: 0.78rem; color: var(--text-gray); }
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.map-container { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.map-container iframe { display: block; width: 100%; height: 420px; border: none; }
.map-info { background: var(--primary); color: white; padding: 20px 24px; display: flex; gap: 14px; align-items: flex-start; }
.map-info i { font-size: 1.2rem; color: var(--accent); margin-top: 2px; flex-shrink: 0; }
.map-info p { font-size: 0.88rem; line-height: 1.7; opacity: 0.9; }

/* ===== FORMS ===== */
.form-card { background: white; border-radius: var(--radius-lg); padding: 38px; box-shadow: var(--shadow); border: 1px solid var(--border); }
.form-card h3 { font-size: 1.4rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 6px; }
.form-card .form-subtitle { font-size: 0.88rem; color: var(--text-gray); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.form-group label .req { color: #e74c3c; margin-left: 3px; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 11px 14px; border: 2px solid var(--border); border-radius: 8px; font-size: 0.9rem; font-family: inherit; color: var(--text); transition: var(--transition); background: white; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(27,58,122,0.1); }
.form-group input.error, .form-group select.error, .form-group textarea.error { border-color: #e74c3c; box-shadow: 0 0 0 3px rgba(231,76,60,0.1); }
.form-group input.success, .form-group select.success { border-color: var(--green); }
.form-group select, select.auth-input { -webkit-appearance: none; -moz-appearance: none; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231b3a7a' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 12px; padding-right: 36px; }
.error-msg { font-size: 0.78rem; color: #e74c3c; margin-top: 4px; display: none; align-items: center; gap: 5px; }
.error-msg.show { display: flex; }
.form-group textarea { resize: vertical; min-height: 110px; }
.checkbox-group { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; color: var(--text-gray); margin-bottom: 22px; }
.checkbox-group input[type=checkbox] { width: 18px; height: 18px; margin-top: 2px; cursor: pointer; accent-color: var(--primary); flex-shrink: 0; }
.radio-group { display: flex; gap: 20px; margin-top: 6px; }
.radio-option { display: flex; align-items: center; gap: 7px; font-size: 0.9rem; cursor: pointer; }
.radio-option input { width: 16px; height: 16px; accent-color: var(--primary); }
.file-input-wrap { border: 2px dashed var(--border); border-radius: 8px; padding: 16px; text-align: center; cursor: pointer; transition: var(--transition); font-size: 0.84rem; color: var(--text-gray); }
.file-input-wrap:hover { border-color: var(--primary); background: var(--light-blue); }
.file-input-wrap input[type=file] { display: none; }
.file-input-wrap i { font-size: 1.4rem; color: var(--primary); display: block; margin-bottom: 6px; }
.form-note { font-size: 0.78rem; color: var(--text-gray); margin-top: 8px; }
.btn-submit { width: 100%; padding: 14px; background: linear-gradient(135deg, var(--primary-light), var(--primary)); color: white; border: none; border-radius: 8px; font-size: 1rem; font-weight: 700; cursor: pointer; transition: var(--transition); display: flex; align-items: center; justify-content: center; gap: 10px; }
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(27,58,122,0.4); }
.success-alert { background: #e8f8f0; border: 1px solid var(--green); border-left: 5px solid var(--green); border-radius: 8px; padding: 18px 24px; display: none; align-items: center; gap: 14px; font-size: 0.92rem; color: #155724; margin-top: 20px; }
.success-alert.show { display: flex; }
.success-alert i { font-size: 1.4rem; color: var(--green); flex-shrink: 0; }

/* ===== FAQ ===== */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { background: white; border-radius: var(--radius); margin-bottom: 12px; box-shadow: var(--shadow); overflow: hidden; border: 1px solid var(--border); }
.faq-question { padding: 18px 24px; cursor: pointer; display: flex; align-items: center; justify-content: space-between; font-weight: 600; font-size: 0.95rem; color: var(--primary-dark); user-select: none; }
.faq-question i { color: var(--primary); transition: var(--transition); font-size: 0.85rem; }
.faq-item.open .faq-question { color: var(--primary); }
.faq-item.open .faq-question i { transform: rotate(180deg); }
.faq-answer { padding: 0 24px; font-size: 0.9rem; color: var(--text-gray); line-height: 1.8; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; }
.faq-item.open .faq-answer { max-height: 200px; padding: 0 24px 18px; }

/* ===== ADVISOR PAGE ===== */
.advisor-benefits { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 24px; }
.benefit-card { background: white; border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); display: flex; gap: 18px; align-items: flex-start; transition: var(--transition); }
.benefit-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.benefit-icon { width: 50px; height: 50px; border-radius: 12px; background: var(--light-blue); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; flex-shrink: 0; }
.benefit-card h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.benefit-card p { font-size: 0.85rem; color: var(--text-gray); line-height: 1.7; }
.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.eligibility-item { display: flex; align-items: center; gap: 12px; background: white; padding: 14px 18px; border-radius: 8px; box-shadow: 0 2px 12px rgba(0,0,0,0.06); font-size: 0.88rem; font-weight: 500; }
.eligibility-item i { color: var(--green); font-size: 0.9rem; width: 20px; text-align: center; }
.support-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.support-card { background: white; border-radius: var(--radius-lg); padding: 32px 24px; box-shadow: var(--shadow); text-align: center; transition: var(--transition); }
.support-card:hover { transform: translateY(-6px); }
.support-card .s-icon { font-size: 2.2rem; display: block; margin-bottom: 16px; }
.support-card h4 { font-weight: 700; color: var(--primary-dark); margin-bottom: 12px; }
.support-card ul { text-align: left; }
.support-card ul li { font-size: 0.84rem; color: var(--text-gray); padding: 5px 0; display: flex; align-items: center; gap: 8px; }
.support-card ul li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }
.advisor-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: start; }
.advisor-left h2 { font-size: 1.8rem; font-weight: 800; color: var(--primary-dark); margin-bottom: 16px; }
.advisor-left p { font-size: 0.92rem; color: var(--text-gray); line-height: 1.8; margin-bottom: 20px; }
.highlight-item { display: flex; align-items: center; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 0.9rem; }
.highlight-item:last-child { border-bottom: none; }
.highlight-item i { color: var(--green); font-size: 1rem; width: 24px; }
.highlight-item strong { color: var(--primary-dark); }

/* ===== FOOTER ===== */
.footer { background: var(--primary-dark); color: rgba(255,255,255,0.82); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; padding-bottom: 50px; }
.footer-brand .logo { display: flex; align-items: center; gap: 10px; font-size: 1.2rem; font-weight: 700; color: white; margin-bottom: 14px; }
.footer-brand .logo img { height: 38px; filter: brightness(10); }
.footer-brand p { font-size: 0.86rem; line-height: 1.8; margin-bottom: 20px; }
.footer-socials { display: flex; gap: 10px; }
.social-btn { width: 38px; height: 38px; border-radius: 8px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.8); font-size: 0.9rem; transition: var(--transition); }
.social-btn:hover { background: var(--primary-light); color: white; transform: translateY(-3px); }
.footer-col h5 { color: white; font-size: 0.95rem; font-weight: 700; margin-bottom: 18px; padding-bottom: 10px; border-bottom: 2px solid rgba(255,255,255,0.1); }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.7); transition: var(--transition); display: flex; align-items: center; gap: 6px; }
.footer-col ul li a:hover { color: var(--accent); padding-left: 5px; }
.footer-col ul li a i { font-size: 0.75rem; opacity: 0.6; }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; margin-bottom: 12px; color: rgba(255,255,255,0.75); }
.footer-contact li i { color: var(--accent); margin-top: 2px; flex-shrink: 0; }
.footer-contact li a { color: rgba(255,255,255,0.75); }
.footer-contact li a:hover { color: var(--accent); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.footer-bottom p { font-size: 0.82rem; }
.footer-bottom-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-bottom-links a { font-size: 0.82rem; color: rgba(255,255,255,0.6); }
.footer-bottom-links a:hover { color: var(--accent); }
.footer-disclaimer { background: rgba(0,0,0,0.25); padding: 14px 0; }
.footer-disclaimer p { font-size: 0.75rem; color: rgba(255,255,255,0.45); text-align: center; line-height: 1.7; max-width: 900px; margin: 0 auto; }

/* ===== FLOATING BUTTONS ===== */
.floating-btns { position: fixed; bottom: 30px; right: 20px; display: flex; flex-direction: column; gap: 12px; z-index: 500; }
.float-btn { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; box-shadow: var(--shadow); cursor: pointer; transition: var(--transition); border: none; text-decoration: none; }
.float-btn:hover { transform: scale(1.12); }
.whatsapp-btn { background: #25D366; color: white; }
.scroll-top { background: var(--primary); color: white; opacity: 0; pointer-events: none; transition: var(--transition); }
.scroll-top.visible { opacity: 1; pointer-events: all; }

/* ===== TRUST BAR ===== */
.trust-bar { background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 22px 0; }
.trust-items { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; align-items: center; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; color: var(--text-gray); font-weight: 500; }
.trust-item i { font-size: 1.3rem; color: var(--primary); }

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .slide-content { grid-template-columns: 1fr; }
  .slide-stats { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .about-intro { grid-template-columns: 1fr; }
  .about-img-wrap { max-width: 500px; margin: 0 auto 30px; }
  .support-grid { grid-template-columns: 1fr 1fr; }
  .advisor-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .top-bar-right { display: none; }
  .hero-slider { height: 100vh; max-height: 700px; min-height: 500px; }
  .slide-content { padding: 0 20px; }
  .slide-title { font-size: 1.8rem; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 55px 0; }
  .form-row { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .support-grid { grid-template-columns: 1fr; }
  .testimonial-card { min-width: 100%; }
  .footer-grid { grid-template-columns: 1fr; gap: 25px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .services-tabs { gap: 6px; }
  .tab-btn { padding: 8px 16px; font-size: 0.82rem; }
  .page-hero { height: 250px; }
  .form-card { padding: 24px 18px; }
  .trust-items { gap: 20px; }
}
@media (max-width: 480px) {
  .slide-title { font-size: 1.5rem; }
  .slide-btns .btn { padding: 10px 18px; font-size: 0.85rem; }
  .products-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================================
   EXTENDED STYLES v2 - Fixes & Enhancements
   ============================================================ */

/* ===== NAVBAR ACTIVE STATE POLISH ===== */
.nav-links > a.active {
  color: white;
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  box-shadow: 0 4px 15px rgba(27,58,122,0.35);
}
.nav-links > a.active:hover { color: white; transform: translateY(-1px); }
.nav-links > a.active::after { display: none !important; }
.nav-links > a:hover {
  color: var(--primary);
  background: linear-gradient(135deg, rgba(27,58,122,0.08), rgba(37,80,184,0.06));
  transform: translateY(-1px);
}
.nav-dropdown-toggle:hover { transform: translateY(-1px); }
.nav-cta .btn-login.active-nav { background: var(--primary); color: white; box-shadow: 0 4px 15px rgba(27,58,122,0.35); }
.nav-cta .btn-quote.active-nav { box-shadow: 0 6px 22px rgba(39,174,96,0.45); transform: translateY(-2px); }

/* ===== PAGE HERO ENHANCED ===== */
.page-hero {
  height: 380px;
  background-size: cover;
  background-position: center;
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,27,62,0.9) 0%, rgba(27,58,122,0.72) 50%, rgba(13,27,62,0.55) 100%);
}
.page-hero-particles {
  position: absolute;
  inset: 0;
  z-index: 1;
  overflow: hidden;
}
.page-hero-particles span {
  position: absolute;
  display: block;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  animation: particleFloat 8s infinite ease-in-out;
}
.page-hero-particles span:nth-child(1) { width: 300px; height: 300px; top: -80px; right: 5%; animation-delay: 0s; }
.page-hero-particles span:nth-child(2) { width: 180px; height: 180px; bottom: -40px; left: 15%; animation-delay: 2s; background: rgba(39,174,96,0.08); }
.page-hero-particles span:nth-child(3) { width: 120px; height: 120px; top: 30%; right: 25%; animation-delay: 1s; }
.page-hero-particles span:nth-child(4) { width: 80px; height: 80px; top: 10%; left: 35%; animation-delay: 3s; background: rgba(232,163,32,0.1); }
.page-hero-particles span:nth-child(5) { width: 220px; height: 220px; bottom: -60px; right: 30%; animation-delay: 4s; background: rgba(27,58,122,0.12); }
@keyframes particleFloat {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-20px) scale(1.05); }
}
.page-hero-content {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 30px;
  color: white;
}
.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232,163,32,0.9);
  color: var(--primary-dark);
  padding: 5px 16px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 14px;
}
.page-hero-content h1 {
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 12px;
  line-height: 1.2;
}
.page-hero-content h1 span { color: var(--accent); }
.page-hero-content p { font-size: 1rem; opacity: 0.9; max-width: 560px; line-height: 1.7; margin-bottom: 20px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 12px;
}
.breadcrumb a { color: var(--accent); font-weight: 600; }
.breadcrumb i { font-size: 0.65rem; opacity: 0.6; }
.page-hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-top: 16px;
}
.ph-stat { text-align: center; }
.ph-stat strong { display: block; font-size: 1.4rem; font-weight: 800; color: var(--accent); }
.ph-stat span { font-size: 0.72rem; opacity: 0.8; text-transform: uppercase; letter-spacing: 0.5px; }
.ph-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.25); }

/* ===== ABOUT INTRO BIGGER IMAGE ===== */
.about-img-wrap {
  position: relative;
}
.about-img-wrap img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: block;
}
.about-img-badge {
  position: absolute;
  bottom: -18px;
  right: 24px;
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  color: white;
  padding: 14px 20px;
  border-radius: 12px;
  box-shadow: 0 8px 25px rgba(27,58,122,0.4);
  text-align: center;
  min-width: 90px;
}
.about-img-badge .big { font-size: 1.8rem; font-weight: 800; display: block; line-height: 1; }
.about-img-badge .small { font-size: 0.72rem; opacity: 0.9; line-height: 1.4; display: block; margin-top: 4px; }

/* ===== CORE VALUES ENHANCED ===== */
.values-section {
  position: relative;
  background: linear-gradient(160deg, #0D1B3E 0%, #1B3A7A 45%, #0f2d5c 100%);
  overflow: hidden;
}
.values-section .section-tag { background: rgba(232,163,32,0.2); color: var(--accent); }
.values-section .section-title { color: white; }
.values-section .section-title span { color: var(--accent); }
.values-section .section-subtitle { color: rgba(255,255,255,0.7); }
.values-bg-overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' 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='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  z-index: 0;
}
.value-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
}
.value-card:hover {
  transform: translateY(-10px);
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.25);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.value-icon-wrap {
  width: 70px;
  height: 70px;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  font-size: 1.6rem;
  color: white;
  box-shadow: 0 8px 25px rgba(0,0,0,0.25);
  transition: all 0.3s ease;
}
.value-card:hover .value-icon-wrap { transform: scale(1.1) rotate(-5deg); }
.value-card h4 { font-weight: 700; font-size: 1.05rem; color: white; margin-bottom: 10px; }
.value-card p { font-size: 0.86rem; color: rgba(255,255,255,0.72); line-height: 1.75; }
.value-glow {
  position: absolute;
  bottom: 0; left: 0; right: 0; top: 0;
  background: radial-gradient(circle at 50% 100%, rgba(37,80,184,0.15), transparent 60%);
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.4s ease;
}
.value-card:hover .value-glow { opacity: 1; }

/* ===== TEAM CARD OVERLAY ===== */
.team-card { cursor: pointer; }
.team-photo-wrap { position: relative; overflow: hidden; }
.team-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(27,58,122,0.95) 0%, rgba(27,58,122,0.5) 60%, transparent 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  padding-bottom: 20px;
  gap: 6px;
  opacity: 0;
  transition: opacity 0.3s ease;
}
.team-card:hover .team-card-overlay { opacity: 1; }
.team-card-overlay i { font-size: 1.8rem; color: var(--accent); }
.team-card-overlay span { font-size: 0.8rem; font-weight: 700; color: white; text-transform: uppercase; letter-spacing: 1px; }

/* ===== TEAM BIO MODAL ===== */
.team-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.7);
  z-index: 100001;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
  backdrop-filter: blur(4px);
}
.team-modal-overlay.open {
  opacity: 1;
  pointer-events: all;
}
.team-modal {
  background: white;
  border-radius: 20px;
  max-width: 860px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  box-shadow: 0 30px 80px rgba(0,0,0,0.35);
  transform: scale(0.9) translateY(20px);
  transition: transform 0.3s ease;
}
.team-modal-overlay.open .team-modal {
  transform: scale(1) translateY(0);
}
.team-modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: none;
  background: rgba(0,0,0,0.08);
  color: var(--text);
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  z-index: 10;
}
.team-modal-close:hover { background: #e74c3c; color: white; }
.team-modal-inner {
  display: grid;
  grid-template-columns: 260px 1fr;
}
.team-modal-left {
  background: linear-gradient(160deg, #0D1B3E, #1B3A7A);
  border-radius: 20px 0 0 20px;
  padding: 32px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.tm-photo-wrap {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  overflow: hidden;
  border: 4px solid rgba(255,255,255,0.2);
  margin: 0 auto;
}
.tm-photo { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.tm-photo-placeholder {
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, var(--primary-light), var(--green));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.2rem;
  font-weight: 800;
  color: white;
}
.tm-contact { display: flex; flex-direction: column; gap: 8px; }
.tm-contact-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.8);
  transition: var(--transition);
}
.tm-contact-item i { color: var(--accent); width: 16px; font-size: 0.8rem; flex-shrink: 0; }
.tm-contact-item:hover { color: var(--accent); }
.tm-location { font-size: 0.75rem; color: rgba(255,255,255,0.6); display: flex; align-items: flex-start; gap: 6px; margin-top: 4px; }
.tm-location i { color: var(--green); margin-top: 2px; }
.tm-socials { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; }
.tm-socials a {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.8);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  transition: var(--transition);
  border: 1px solid rgba(255,255,255,0.15);
}
.tm-socials a:hover { background: var(--primary-light); color: white; transform: translateY(-2px); }
.tm-actions { display: flex; flex-direction: column; gap: 8px; }
.tm-btn {
  padding: 9px 14px;
  border-radius: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  border: none;
}
.tm-btn-share { background: rgba(255,255,255,0.12); color: white; border: 1px solid rgba(255,255,255,0.25); }
.tm-btn-share:hover { background: rgba(255,255,255,0.22); }
.tm-btn-download { background: linear-gradient(135deg, var(--green-light), var(--green)); color: white; }
.tm-btn-download:hover { box-shadow: 0 4px 15px rgba(39,174,96,0.4); transform: translateY(-1px); }
.team-modal-right { padding: 32px 30px; }
.tm-header { margin-bottom: 24px; padding-bottom: 18px; border-bottom: 2px solid var(--border); }
.tm-header h2 { font-size: 1.5rem; font-weight: 800; color: var(--primary-dark); margin-bottom: 4px; }
.tm-role { display: block; font-size: 0.9rem; font-weight: 700; color: var(--green); margin-bottom: 8px; }
.tm-company { display: flex; align-items: center; gap: 6px; font-size: 0.82rem; color: var(--text-gray); }
.tm-company i { color: var(--primary); }
.tm-section { margin-bottom: 20px; }
.tm-section h5 {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 7px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.tm-section h5 i { color: var(--primary); }
.tm-section p { font-size: 0.88rem; color: var(--text-gray); line-height: 1.75; }
.tm-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.tm-tag {
  background: var(--light-blue);
  color: var(--primary);
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 0.77rem;
  font-weight: 600;
}
.tm-achievements { padding-left: 0; }
.tm-achievements li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.86rem;
  color: var(--text-gray);
  padding: 6px 0;
  border-bottom: 1px solid var(--border);
}
.tm-achievements li:last-child { border-bottom: none; }
.tm-achievements li::before { content: '\2022'; color: var(--green); font-size: 1.2rem; flex-shrink: 0; margin-top: -2px; }

/* ===== AUTH PAGES ===== */
.auth-section {
  min-height: calc(100vh - 120px);
  display: flex;
  align-items: center;
  position: relative;
  padding: 60px 20px;
}
.auth-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}
.auth-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,27,62,0.92) 0%, rgba(27,58,122,0.8) 100%);
}
.auth-container {
  position: relative;
  z-index: 2;
  max-width: 900px;
  width: 100%;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 0;
  background: white;
  border-radius: 20px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.3);
  overflow: hidden;
}
.register-container { max-width: 700px; grid-template-columns: 1fr; }
.register-card { border-radius: 20px; }
.auth-card {
  padding: 44px 40px;
  background: white;
}
.auth-header { text-align: center; margin-bottom: 30px; }
.auth-logo { height: 48px; margin-bottom: 16px; }
.auth-header h2 { font-size: 1.7rem; font-weight: 800; color: var(--primary-dark); margin-bottom: 6px; }
.auth-header p { font-size: 0.88rem; color: var(--text-gray); }
.auth-input { border-radius: 10px !important; }
.password-wrap { position: relative; }
.password-wrap input { padding-right: 48px !important; }
.toggle-password {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: var(--text-gray);
  cursor: pointer;
  font-size: 0.9rem;
  padding: 0;
  transition: var(--transition);
}
.toggle-password:hover { color: var(--primary); }
.auth-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; font-size: 0.84rem; }
.checkbox-inline { display: flex; align-items: center; gap: 7px; color: var(--text-gray); cursor: pointer; }
.checkbox-inline input { width: 15px; height: 15px; accent-color: var(--primary); }
.forgot-link { color: var(--primary); font-weight: 600; font-size: 0.84rem; }
.forgot-link:hover { color: var(--green); }
.auth-divider { text-align: center; margin: 20px 0; position: relative; color: var(--text-gray); font-size: 0.82rem; }
.auth-divider::before { content: ''; position: absolute; top: 50%; left: 0; right: 0; height: 1px; background: var(--border); z-index: 0; }
.auth-divider span { background: white; padding: 0 12px; position: relative; z-index: 1; }
.auth-social-btns { display: flex; gap: 10px; }
.social-login-btn {
  flex: 1;
  padding: 10px 14px;
  border-radius: 8px;
  border: 2px solid var(--border);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  background: white;
  color: var(--text);
}
.social-login-btn:hover { border-color: var(--primary); color: var(--primary); background: var(--light-blue); }
.google-btn i { color: #DB4437; }
.fb-btn i { color: #1877F2; }
.auth-footer { text-align: center; margin-top: 24px; font-size: 0.85rem; color: var(--text-gray); }
.auth-footer a { color: var(--primary); font-weight: 700; }
.auth-footer a:hover { color: var(--green); }
.auth-benefits { padding: 0; }
.auth-side {
  background: linear-gradient(160deg, var(--primary-dark) 0%, #1B3A7A 60%, #1e8449 100%);
  padding: 44px 32px;
  color: white;
  display: flex;
  align-items: center;
}
.auth-side-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--accent);
  margin-bottom: 18px;
}
.auth-side-content h3 { font-size: 1.2rem; font-weight: 800; margin-bottom: 10px; }
.auth-side-content p { font-size: 0.84rem; opacity: 0.8; line-height: 1.7; margin-bottom: 20px; }
.auth-benefits li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.83rem;
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  opacity: 0.9;
}
.auth-benefits li:last-child { border-bottom: none; }
.auth-benefits li i { color: var(--green-light); font-size: 0.85rem; flex-shrink: 0; }
.auth-trust {
  display: flex;
  gap: 12px;
  margin-top: 20px;
  flex-wrap: wrap;
}
.auth-trust span {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.75rem;
  background: rgba(255,255,255,0.08);
  padding: 4px 10px;
  border-radius: 20px;
  opacity: 0.85;
}
.auth-trust i { color: var(--green-light); }

/* Password strength */
.password-strength { margin: -8px 0 12px; display: flex; align-items: center; gap: 10px; }
.ps-bar { flex: 1; height: 4px; background: var(--border); border-radius: 4px; overflow: hidden; }
.ps-fill { height: 100%; width: 0; border-radius: 4px; transition: width 0.3s ease, background 0.3s ease; }
#psLabel { font-size: 0.75rem; font-weight: 600; }

/* ===== GET QUOTE PAGE ===== */
.quote-type-selector { margin-bottom: 40px; }
.quote-types {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 20px;
}
.quote-type-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  padding: 16px 24px;
  border-radius: 12px;
  border: 2px solid var(--border);
  background: white;
  cursor: pointer;
  transition: all 0.25s ease;
  font-weight: 600;
  color: var(--text);
  min-width: 90px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}
.quote-type-btn i { font-size: 1.4rem; color: var(--text-gray); transition: var(--transition); }
.quote-type-btn span { font-size: 0.82rem; }
.quote-type-btn:hover { border-color: var(--primary); color: var(--primary); transform: translateY(-3px); box-shadow: 0 8px 20px rgba(27,58,122,0.15); }
.quote-type-btn:hover i { color: var(--primary); }
.quote-type-btn.active { border-color: var(--primary); background: var(--primary); color: white; box-shadow: 0 8px 25px rgba(27,58,122,0.3); }
.quote-type-btn.active i { color: white; }
.quote-layout { display: grid; grid-template-columns: 1fr 340px; gap: 32px; align-items: start; }
.btn-green-submit { background: linear-gradient(135deg, var(--green-light), var(--green)) !important; }
.btn-green-submit:hover { box-shadow: 0 8px 25px rgba(39,174,96,0.4) !important; }
.quote-extra { display: block; }
.quote-sidebar { display: flex; flex-direction: column; gap: 0; }
.quote-info-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.qi-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: white;
  margin-bottom: 14px;
}
.quote-info-card h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 12px; }
.quote-info-card ul { display: flex; flex-direction: column; gap: 8px; }
.quote-info-card ul li { display: flex; align-items: center; gap: 8px; font-size: 0.84rem; color: var(--text-gray); }
.quote-info-card ul li i { color: var(--green); font-size: 0.8rem; flex-shrink: 0; }
.quote-testimonial { background: var(--light-blue); border-radius: 8px; padding: 14px 16px; }
.quote-testimonial p { font-size: 0.83rem; color: var(--text); line-height: 1.6; margin-bottom: 6px; font-style: italic; }
.quote-testimonial span { font-size: 0.75rem; color: var(--text-gray); font-weight: 600; }
.quote-insurers { margin-top: 20px; padding: 20px 24px; background: white; border-radius: var(--radius-lg); box-shadow: var(--shadow); border: 1px solid var(--border); }
.qi-label { font-size: 0.78rem; color: var(--text-gray); margin-bottom: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.insurer-logos { display: flex; flex-wrap: wrap; gap: 6px; }
.insurer-logos span { background: var(--light-blue); color: var(--primary); padding: 4px 10px; border-radius: 6px; font-size: 0.74rem; font-weight: 700; }
.terms-error { display: none; margin-top: -10px; margin-bottom: 12px; }
.terms-error.show { display: flex; }

/* ===== RESPONSIVE ADDITIONS ===== */
@media (max-width: 900px) {
  .team-modal-inner { grid-template-columns: 1fr; }
  .team-modal-left { border-radius: 20px 20px 0 0; flex-direction: row; flex-wrap: wrap; gap: 12px; padding: 24px; }
  .tm-photo-wrap { width: 80px; height: 80px; }
  .auth-container { grid-template-columns: 1fr; }
  .auth-side { display: none; }
  .auth-card { border-radius: 20px; }
  .quote-layout { grid-template-columns: 1fr; }
  .page-hero { height: 320px; }
  .about-img-wrap img { height: 360px; }
}
@media (max-width: 768px) {
  .page-hero-stats { gap: 16px; }
  .ph-stat strong { font-size: 1.1rem; }
  .page-hero-badge { font-size: 0.72rem; }
  .auth-card { padding: 28px 22px; }
  .tm-actions { flex-direction: row; }
}
@media (max-width: 480px) {
  .quote-types { gap: 8px; }
  .quote-type-btn { min-width: 70px; padding: 12px 14px; }
  .auth-social-btns { flex-direction: column; }
}

/* ===========================
   ADDITIONAL ENHANCEMENTS
   =========================== */

/* TESTIMONIAL SLIDER FIX */
.testimonial-card { flex: 0 0 auto; min-width: unset !important; }

/* WHY CHOOSE US — DARK BG SECTION */
.why-bg-section {
  background: linear-gradient(135deg, #0b1e4a 0%, #1B3A7A 55%, #0d2b5e 100%) !important;
  position: relative;
  overflow: hidden;
}
.why-bg-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px),
    radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 42px 42px;
  background-position: 0 0, 21px 21px;
  pointer-events: none;
}
.why-bg-section .floating-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  pointer-events: none;
  animation: floatOrb 8s ease-in-out infinite;
}
.why-bg-section .floating-orb:nth-child(1) { width: 300px; height: 300px; background: rgba(39,174,96,0.12); top: -80px; left: -100px; animation-delay: 0s; }
.why-bg-section .floating-orb:nth-child(2) { width: 250px; height: 250px; background: rgba(27,58,122,0.2); bottom: -60px; right: -80px; animation-delay: 3s; }
.why-bg-section .floating-orb:nth-child(3) { width: 180px; height: 180px; background: rgba(232,163,32,0.1); top: 40%; right: 20%; animation-delay: 5s; }
@keyframes floatOrb {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-20px) scale(1.05); }
}
.why-bg-section .section-tag { background: rgba(39,174,96,0.25); color: #5eed96; }
.why-bg-section .section-title { color: #fff; }
.why-bg-section .section-title span { color: #4ade80; }
.why-bg-section .section-subtitle { color: rgba(255,255,255,0.65); }
.why-bg-section .why-card {
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.12);
  backdrop-filter: blur(10px);
}
.why-bg-section .why-card h4 { color: #fff; }
.why-bg-section .why-card p { color: rgba(255,255,255,0.72); }
.why-bg-section .why-card ul li { color: rgba(255,255,255,0.78); }
.why-bg-section .why-card ul li::before { color: #4ade80; }
.why-bg-section .why-card:hover { background: rgba(255,255,255,0.13); box-shadow: 0 24px 60px rgba(0,0,0,0.35); }
.why-bg-section .why-icon { background: rgba(255,255,255,0.12) !important; }
.why-bg-section .why-card:hover .why-icon { background: rgba(255,255,255,0.22) !important; color: #fff !important; }
.why-bg-section .why-card::before { background: linear-gradient(90deg, #4ade80, #22d3ee); }

/* ADVISOR GROWTH SECTION — COOL EFFECT */
.advisor-growth-section {
  background: linear-gradient(135deg, #e9f4ff 0%, #dbeeff 40%, #e4f9f0 100%) !important;
  position: relative;
  overflow: hidden;
}
.advisor-growth-section::before {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(27,58,122,0.06) 0%, transparent 70%);
  top: -150px; left: -150px;
  pointer-events: none;
}
.advisor-growth-section::after {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(39,174,96,0.07) 0%, transparent 70%);
  bottom: -100px; right: -100px;
  pointer-events: none;
  animation: pulseGlow 5s ease-in-out infinite;
}
@keyframes pulseGlow {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.1); opacity: 0.7; }
}
.advisor-growth-section .support-card {
  background: linear-gradient(145deg, #ffffff, #f8fbff);
  box-shadow: 0 8px 32px rgba(27,58,122,0.12);
  transition: transform 0.3s, box-shadow 0.3s;
  position: relative;
  overflow: hidden;
  border-top: none;
  border: 1px solid rgba(27,58,122,0.08);
}
.advisor-growth-section .support-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--green));
  border-radius: 12px 12px 0 0;
}
.advisor-growth-section .support-card::after {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(27,58,122,0.06), rgba(39,174,96,0.06));
  pointer-events: none;
}
.advisor-growth-section .support-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(27,58,122,0.18);
}
.advisor-growth-section .support-card .s-icon {
  font-size: 2.8rem;
  display: inline-block;
  animation: bounceIcon 3s ease-in-out infinite;
  filter: drop-shadow(0 4px 8px rgba(0,0,0,0.1));
}
.advisor-growth-section .support-card:nth-child(2) .s-icon { animation-delay: 1s; }
.advisor-growth-section .support-card:nth-child(3) .s-icon { animation-delay: 2s; }
@keyframes bounceIcon {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}
.advisor-growth-section .support-card h4 {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-size: 1.08rem;
}
.advisor-growth-section .section-tag { background: rgba(27,58,122,0.1); color: var(--primary); }

/* INSURANCE PARTNERS SECTION */
.partners-section { background: var(--off-white); }
.partners-tabs {
  display: flex;
  gap: 12px;
  justify-content: center;
  margin-bottom: 32px;
  flex-wrap: wrap;
}
.partners-tab {
  padding: 10px 24px;
  border: 2px solid var(--border);
  border-radius: 50px;
  background: white;
  font-family: 'Poppins', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-gray);
  cursor: pointer;
  transition: all 0.25s;
  display: flex;
  align-items: center;
  gap: 8px;
}
.partners-tab:hover { border-color: var(--primary); color: var(--primary); }
.partners-tab.active { background: var(--primary); border-color: var(--primary); color: white; box-shadow: 0 4px 16px rgba(27,58,122,0.3); }
.partners-cat { display: none; }
.partners-cat.active { display: block; animation: fadeIn 0.35s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 22px;
}
.insurer-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 20px 22px 20px 22px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  border: 1px solid var(--border);
  transition: all 0.3s;
  cursor: default;
}
.insurer-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.12); border-color: rgba(27,58,122,0.2); }
.ins-logo {
  float: left;
  width: 120px;
  height: 72px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 0.88rem;
  letter-spacing: 0.5px;
  margin-right: 18px;
  margin-bottom: 6px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}
.ins-info { overflow: hidden; }
.ins-info h5 { font-size: 0.95rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
.ins-info p { font-size: 0.78rem; color: var(--text-gray); line-height: 1.45; margin-bottom: 0; }
.ins-badge {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 20px;
  font-size: 0.68rem;
  font-weight: 600;
  background: rgba(27,58,122,0.1);
  color: var(--primary);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.ins-badge-health { background: rgba(39,174,96,0.12); color: var(--green); }
.ins-badge-life { background: rgba(232,163,32,0.15); color: #b7860b; }

/* INSURERS PAGE STYLES */
.insurers-tabs { display: flex; gap: 0; justify-content: center; margin-bottom: 40px; border-radius: 12px; overflow: hidden; box-shadow: 0 2px 12px rgba(0,0,0,0.1); flex-wrap: wrap; }
.insurers-tab-btn {
  padding: 14px 36px;
  background: white;
  border: none;
  border-right: 1px solid var(--border);
  font-family: 'Poppins', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-gray);
  cursor: pointer;
  transition: all 0.25s;
  display: flex;
  align-items: center;
  gap: 10px;
}
.insurers-tab-btn:last-child { border-right: none; }
.insurers-tab-btn:hover { background: var(--light-blue); color: var(--primary); }
.insurers-tab-btn.active { background: var(--primary); color: white; }
.insurers-tab-content { display: none; }
.insurers-tab-content.active { display: block; animation: fadeIn 0.3s ease; }
.insurers-full-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 24px; }
.insurer-full-card {
  background: white;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all 0.3s;
}
.insurer-full-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.insurer-full-card-header {
  padding: 24px 24px 16px;
  display: flex;
  align-items: center;
  gap: 16px;
}
.ins-logo-lg {
  width: 150px;
  height: 90px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 1.05rem;
  flex-shrink: 0;
  box-shadow: 0 6px 18px rgba(0,0,0,0.2);
}
.insurer-full-card-header h4 { font-size: 1rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
.insurer-full-card-header .ins-type { font-size: 0.78rem; color: var(--text-gray); font-weight: 500; }
.insurer-full-card-body { padding: 0 24px 24px; }
.insurer-full-card-body p { font-size: 0.84rem; color: var(--text-gray); margin-bottom: 14px; line-height: 1.6; }
.ins-products-list { list-style: none; padding: 0; margin-bottom: 16px; }
.ins-products-list li { font-size: 0.82rem; padding: 5px 0; display: flex; align-items: center; gap: 8px; color: var(--text); border-bottom: 1px solid var(--border); }
.ins-products-list li:last-child { border-bottom: none; }
.ins-products-list li i { color: var(--green); font-size: 0.75rem; }
.ins-card-footer { padding: 16px 24px; background: var(--off-white); border-top: 1px solid var(--border); display: flex; align-items: center; justify-content: space-between; }
.ins-card-footer .ins-badge { margin: 0; }
.ins-get-quote { display: inline-flex; align-items: center; gap: 6px; padding: 8px 18px; background: var(--primary); color: white; border-radius: 6px; font-size: 0.8rem; font-weight: 600; text-decoration: none; transition: all 0.2s; }
.ins-get-quote:hover { background: var(--primary-dark); color: white; transform: translateX(2px); }

@media (max-width: 768px) {
  .partners-grid { grid-template-columns: 1fr; }
  .insurers-full-grid { grid-template-columns: 1fr; }
  .insurers-tab-btn { padding: 12px 20px; font-size: 0.82rem; }
  .partners-tabs { gap: 8px; }
  .partners-tab { padding: 8px 16px; font-size: 0.82rem; }
}
@media (max-width: 480px) {
  .partners-grid { grid-template-columns: 1fr; }
  .ins-logo { width: 100px; height: 60px; }
  .insurers-tabs { flex-direction: column; border-radius: 12px; }
  .insurers-tab-btn { border-right: none; border-bottom: 1px solid var(--border); }
}

/* ============================================================
   LEAD GENERATION POPUP MODAL
   ============================================================ */

/* Overlay */
#leadGenOverlay {
  position: fixed;
  inset: 0;
  background: rgba(9, 18, 42, 0.72);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 100000;
  display: flex;
  align-items: flex-start; 
  overflow-y: auto; 
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s ease, visibility 0.4s ease;
}
#leadGenOverlay.active {
  opacity: 1;
  visibility: visible;
}

/* Modal box */
#leadGenModal {
  background: white;
  border-radius: 18px;
  overflow: visible; 
  width: 100%;
  max-width: 740px;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.35);
  display: flex;
  position: relative;
  z-index: 100001;
  transform: translateY(30px) scale(0.97);
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  clip-path: inset(0 round 18px); 
  max-height: calc(100vh - 40px); 
  overflow-y: auto; 
  margin: auto; 
}
#leadGenOverlay.active #leadGenModal {
  transform: translateY(0) scale(1);
}

/* Close button */
/* Close button */
#leadGenClose {
  background: rgba(0, 0, 0, 0.08);
  border: 1.5px solid rgba(255,255,255,0.35);
  color: #2c2c2c;
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10002;
  transition: all 0.2s;
}
#leadGenClose:hover {
  background: rgb(231,76,60);
  color: #ffffff;
}

/* Left panel */
.lead-left {
  width: 42%;
  flex-shrink: 0;
  background: linear-gradient(145deg, #0D1B3E 0%, #1B3A7A 45%, #1a5c3a 100%);
  padding: 44px 30px 36px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* Animated particle dots */
.lead-particles {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}
.lead-dot {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  animation: leadFloat linear infinite;
}
.lead-dot:nth-child(1) { width: 80px; height: 80px; top: -20px; left: -20px; animation-duration: 12s; animation-delay: 0s; }
.lead-dot:nth-child(2) { width: 50px; height: 50px; top: 60%; left: 10%; animation-duration: 9s; animation-delay: -3s; }
.lead-dot:nth-child(3) { width: 100px; height: 100px; bottom: -30px; right: -20px; animation-duration: 14s; animation-delay: -6s; }
.lead-dot:nth-child(4) { width: 35px; height: 35px; top: 30%; right: 15%; animation-duration: 7s; animation-delay: -2s; }
.lead-dot:nth-child(5) { width: 60px; height: 60px; top: 75%; left: 60%; animation-duration: 10s; animation-delay: -5s; background: rgba(39,174,96,0.12); }
@keyframes leadFloat {
  0% { transform: translateY(0) scale(1); opacity: 0.6; }
  50% { transform: translateY(-18px) scale(1.06); opacity: 1; }
  100% { transform: translateY(0) scale(1); opacity: 0.6; }
}

/* Decorative shield icon */
.lead-icon-wrap {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, rgba(39,174,96,0.3), rgba(39,174,96,0.12));
  border: 2px solid rgba(39,174,96,0.4);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
}
.lead-icon-wrap i { font-size: 2rem; color: #2ecc71; }

.lead-left h3 {
  font-size: 1.3rem;
  font-weight: 800;
  color: white;
  line-height: 1.3;
  margin-bottom: 8px;
  position: relative;
  z-index: 1;
}
.lead-left .lead-sub {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}
.lead-benefits {
  list-style: none;
  padding: 0;
  margin: 0;
  position: relative;
  z-index: 1;
}
.lead-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.88);
  margin-bottom: 11px;
  line-height: 1.4;
}
.lead-benefits li i {
  color: #2ecc71;
  font-size: 0.85rem;
  margin-top: 2px;
  flex-shrink: 0;
}
.lead-left-badge {
  margin-top: 24px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 14px;
  background: rgba(39,174,96,0.18);
  border: 1px solid rgba(39,174,96,0.4);
  border-radius: 30px;
  font-size: 0.73rem;
  font-weight: 600;
  color: #2ecc71;
  position: relative;
  z-index: 1;
}

/* Right panel */
.lead-right {
  flex: 1;
  padding: 40px 32px 32px;
  display: flex;
  flex-direction: column;
  overflow-y: visible;
  max-height: none;
}
.lead-right h4 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 4px;
}
.lead-right .lead-right-sub {
  font-size: 0.8rem;
  color: var(--text-gray);
  margin-bottom: 22px;
}

/* Form rows */
.lead-form-row {
  display: flex;
  gap: 14px;
}
.lead-form-row .form-group { flex: 1; }

/* Success state */
.lead-success {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 30px 0;
  flex: 1;
}
.lead-success-icon {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, #2ecc71, #27AE60);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  box-shadow: 0 8px 24px rgba(39,174,96,0.35);
}
.lead-success-icon i { font-size: 2rem; color: white; }
.lead-success h4 { font-size: 1.2rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.lead-success p { font-size: 0.85rem; color: var(--text-gray); max-width: 280px; margin: 0 auto 14px; line-height: 1.6; }
.lead-success .lead-countdown { font-size: 0.76rem; color: var(--text-gray); }

/* Submit button */
.lead-submit-btn {
  width: 100%;
  padding: 13px;
  background: linear-gradient(135deg, var(--primary-light), var(--primary));
  color: white;
  border: none;
  border-radius: 9px;
  font-size: 0.95rem;
  font-weight: 700;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  margin-top: 6px;
  transition: all 0.25s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.lead-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(27,58,122,0.4);
}

/* Privacy note */
.lead-privacy {
  text-align: center;
  font-size: 0.72rem;
  color: var(--text-gray);
  margin-top: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}

/* Mobile responsive */
@media (max-width: 767px) {
  #leadGenModal {
    clip-path: inset(0 round 14px); 
    flex-direction: column;
    max-width: 100%;
    border-radius: 14px;
    max-height: 95vh;
  }
  .lead-left {
    width: 100%;
    padding: 28px 24px 24px;
  }
  .lead-icon-wrap { width: 56px; height: 56px; margin-bottom: 14px; }
  .lead-icon-wrap i { font-size: 1.5rem; }
  .lead-left h3 { font-size: 1.1rem; }
  .lead-benefits { display: none; }
  .lead-left-badge { margin-top: 14px; }
  .lead-right { padding: 28px 22px 24px; max-height: none; overflow-y: visible; }
  .lead-form-row { flex-direction: column; gap: 0; }
  #leadGenClose { top: 10px; right: 12px; }
}

/* ===== EXPLORE INSURANCE PRODUCTS SECTION (index.html) ===== */
.explore-section { background: linear-gradient(160deg, #f0f5ff 0%, #eaf5ee 50%, #f5f8ff 100%); }
.explore-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.explore-col-header {
  display: flex; align-items: center; gap: 14px; margin-bottom: 20px;
  padding: 16px 20px; border-radius: 12px;
}
.explore-col-header.personal-hdr { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); }
.explore-col-header.business-hdr { background: linear-gradient(135deg, #1a5c3a, var(--green-dark)); }
.explore-col-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: white; flex-shrink: 0;
}
.explore-col-header h3 { font-size: 1.05rem; font-weight: 800; color: white; margin-bottom: 2px; }
.explore-col-header p { font-size: 0.76rem; color: rgba(255,255,255,0.8); }
.explore-items-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 4px; }
.explore-item {
  display: flex; align-items: center; gap: 9px;
  padding: 10px 13px; border-radius: 9px;
  background: white; border: 1px solid var(--border);
  text-decoration: none; color: var(--text);
  font-size: 0.82rem; font-weight: 600;
  transition: all 0.22s ease;
  box-shadow: 0 1px 6px rgba(0,0,0,0.04);
  overflow: hidden;
}
.explore-item:hover { border-color: var(--primary); color: var(--primary); transform: translateY(-2px); box-shadow: 0 6px 18px rgba(27,58,122,0.12); }
.explore-item.personal-item i { color: var(--primary); font-size: 0.95rem; flex-shrink: 0; }
.explore-item.business-item i { color: var(--green-dark); font-size: 0.95rem; flex-shrink: 0; }
.explore-item.business-item:hover { border-color: var(--green); color: var(--green-dark); }
@media (max-width: 1024px) { .explore-grid { grid-template-columns: 1fr; } }
@media (max-width: 600px) { .explore-items-grid { grid-template-columns: 1fr; } }