/* =============================================
   smartinsurancepackagesonline — style.css
   Design: Navy #0A1628 | Amber #F5A623 | White
   Fonts: DM Sans + Playfair Display
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Playfair+Display:wght@400;600;700;900&display=swap');

:root {
  --navy:       #24344A;
  --navy-light: #5F738F;
  --amber:      #D59A4A;
  --amber-dark: #BE8339;
  --white:      #FFFFFF;
  --light-bg:   #F2F4F8;
  --text-muted: #6F7B8F;
  --radius-card:16px;
  --radius-btn: 50px;
  --shadow:     0 20px 60px rgba(36,52,74,0.10);
  --shadow-card:0 10px 30px rgba(36,52,74,0.10);
  --transition: all 0.3s ease;
}

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

body{
  font-family:'DM Sans',sans-serif;
  color:var(--navy);
  background:#FBFAF7;
  line-height:1.75;
  overflow-x:hidden;
}
h1,h2,h3,h4,h5{font-family:'Playfair Display',serif;line-height:1.2;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;}

/* ===== UTILITIES ===== */
.section-pad{padding:100px 0;}
.section-pad-sm{padding:60px 0;}
.bg-navy{background:linear-gradient(135deg,#F7F9FC 0%,#EEF3FA 100%);}
.bg-light-bg{background:var(--light-bg);}
.text-amber{color:var(--amber);}

.badge-pill{
  display:inline-block;
  background:rgba(245,166,35,0.12);
  color:var(--amber);
  border:1px solid rgba(245,166,35,0.3);
  border-radius:50px;
  padding:6px 18px;
  font-size:12px;
  font-weight:600;
  letter-spacing:0.8px;
  margin-bottom:16px;
  text-transform:uppercase;
}
.badge-pill.light{
  background:rgba(213,154,74,0.10);
  color:var(--amber-dark);
  border-color:rgba(213,154,74,0.25);
}
.section-label{
  font-size:11px;font-weight:700;
  letter-spacing:3px;text-transform:uppercase;
  color:var(--amber);display:block;margin-bottom:12px;
}
.amber-line{width:50px;height:4px;background:var(--amber);border-radius:2px;margin-bottom:20px;}

/* ===== BUTTONS ===== */
.btn-amber{
  background:var(--amber);color:var(--navy);border:none;
  border-radius:var(--radius-btn);padding:14px 34px;
  font-family:'DM Sans',sans-serif;font-weight:700;font-size:15px;
  display:inline-block;transition:var(--transition);cursor:pointer;
}
.btn-amber:hover{
  background:var(--amber-dark);color:var(--navy);
  transform:translateY(-3px);box-shadow:0 12px 35px rgba(245,166,35,0.4);
}
.btn-outline-w{
  background:transparent;color:var(--white);
  border:2px solid rgba(255,255,255,0.55);
  border-radius:var(--radius-btn);padding:12px 30px;
  font-family:'DM Sans',sans-serif;font-weight:600;font-size:15px;
  display:inline-block;transition:var(--transition);
}
.btn-outline-w:hover{background:var(--white);color:var(--navy);border-color:var(--white);}
.btn-outline-n{
  background:transparent;color:var(--navy);border:2px solid var(--navy);
  border-radius:var(--radius-btn);padding:12px 30px;
  font-family:'DM Sans',sans-serif;font-weight:600;font-size:15px;
  display:inline-block;transition:var(--transition);
}
.btn-outline-n:hover{background:var(--navy);color:var(--white);}

/* ===== NAVBAR ===== */
.navbar-main{
  background:rgba(255,255,255,0.96);padding:14px 0;
  position:sticky;top:0;z-index:1000;
  border-bottom:1px solid rgba(36,52,74,0.08);
  box-shadow:0 8px 28px rgba(36,52,74,0.08);
}
.navbar-main .navbar-brand{
  font-family:'Playfair Display',serif;font-size:22px;
  font-weight:700;color:var(--navy);display:flex;align-items:center;gap:10px;
}
.brand-icon{
  width:36px;height:36px;background:var(--amber);border-radius:8px;
  display:flex;align-items:center;justify-content:center;color:var(--navy);font-size:16px;
}
.navbar-main .nav-link{
  color:rgba(36,52,74,0.8)!important;font-size:14px;
  font-weight:500;letter-spacing:0.5px;padding:8px 14px!important;transition:var(--transition);
}
.navbar-main .nav-link:hover,.navbar-main .nav-link.active{color:var(--amber)!important;}
.navbar-main .dropdown-menu{
  background:var(--white);border:1px solid rgba(36,52,74,0.1);
  border-radius:12px;padding:8px;min-width:220px;box-shadow:0 20px 40px rgba(36,52,74,0.12);
}
.navbar-main .dropdown-item{
  color:rgba(36,52,74,0.85);border-radius:8px;
  padding:10px 14px;font-size:14px;transition:var(--transition);
}
.navbar-main .dropdown-item:hover{background:rgba(245,166,35,0.12);color:var(--amber);}
.navbar-main .dropdown-item i{width:20px;margin-right:8px;color:var(--amber);}
.navbar-main .btn-login{
  color:var(--navy);border:1px solid rgba(36,52,74,0.2);
  border-radius:var(--radius-btn);padding:8px 20px;
  font-size:14px;font-weight:500;transition:var(--transition);margin-right:8px;
}
.navbar-main .btn-login:hover{background:rgba(36,52,74,0.06);}
.navbar-main .btn-quote{
  background:var(--amber);color:var(--navy);border:none;
  border-radius:var(--radius-btn);padding:9px 22px;font-size:14px;font-weight:700;transition:var(--transition);
}
.navbar-main .btn-quote:hover{background:var(--amber-dark);transform:translateY(-2px);}
.navbar-toggler{border:1px solid rgba(36,52,74,0.25);padding:6px 10px;}
.navbar-toggler-icon{filter:none;}

/* ===== HERO ===== */
.hero-section{
  min-height:100vh;background:linear-gradient(135deg,#F9FBFE 0%,#EEF3FA 100%);
  position:relative;overflow:hidden;display:flex;align-items:center;
}
.hero-section::before{
  content:'';position:absolute;top:-200px;right:-200px;
  width:600px;height:600px;
  background:radial-gradient(circle,rgba(213,154,74,0.16) 0%,transparent 70%);border-radius:50%;
}
.hero-grid-lines{
  position:absolute;inset:0;
  background-image:linear-gradient(rgba(36,52,74,0.05) 1px,transparent 1px),
    linear-gradient(90deg,rgba(36,52,74,0.05) 1px,transparent 1px);
  background-size:60px 60px;pointer-events:none;
}
.hero-left{position:relative;z-index:2;}
.hero-left h1{
  font-size:clamp(38px,5vw,68px);color:var(--navy);
  font-weight:900;line-height:1.1;margin-bottom:22px;
}
.hero-left h1 span{color:var(--amber);}
.hero-left p{color:var(--text-muted);font-size:17px;max-width:460px;margin-bottom:36px;}
.hero-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;}
.hero-chip{
  background:rgba(255,255,255,0.86);border:1px solid rgba(36,52,74,0.12);
  color:rgba(36,52,74,0.75);border-radius:50px;padding:6px 16px;font-size:13px;
}
.hero-chip i{color:var(--amber);margin-right:5px;}
.hero-right{position:relative;z-index:2;}
.hero-img-wrap{position:relative;border-radius:20px;overflow:hidden;height:500px;}
.hero-img-wrap img{width:100%;height:100%;object-fit:cover;}
.hero-glass-card{
  position:absolute;bottom:30px;left:-30px;
  background:rgba(255,255,255,0.75);backdrop-filter:blur(14px);
  border:1px solid rgba(36,52,74,0.14);border-radius:16px;
  padding:20px 24px;min-width:250px;
}
.status-dot{
  width:8px;height:8px;background:#2ecc71;border-radius:50%;
  display:inline-block;margin-right:6px;animation:pulse-dot 1.5s infinite;
}
@keyframes pulse-dot{0%,100%{box-shadow:0 0 0 0 rgba(46,204,113,0.4);}50%{box-shadow:0 0 0 6px rgba(46,204,113,0);}}
.card-label{font-size:11px;color:rgba(36,52,74,0.58);text-transform:uppercase;letter-spacing:1px;margin-bottom:4px;}
.card-title-sm{color:var(--navy);font-size:15px;font-weight:600;font-family:'DM Sans',sans-serif;margin-bottom:2px;}
.card-price{color:var(--amber);font-size:22px;font-weight:700;font-family:'Playfair Display',serif;}
.card-sub{color:rgba(36,52,74,0.55);font-size:12px;}

/* ===== TRUST BAR ===== */
.trust-bar{background:#F7F1E8;padding:18px 0;border-top:1px solid rgba(36,52,74,0.08);border-bottom:1px solid rgba(36,52,74,0.08);}
.trust-item{color:var(--navy);font-weight:600;font-size:13px;display:flex;align-items:center;gap:8px;}
.trust-divider{width:1px;height:28px;background:rgba(36,52,74,0.15);margin:0 8px;}

/* ===== SERVICES LIST ===== */
.service-row{
  display:flex;align-items:center;gap:24px;
  padding:26px 30px;border-radius:var(--radius-card);
  transition:var(--transition);border:1px solid transparent;cursor:pointer;
}
.service-row:nth-child(even){background:var(--light-bg);}
.service-row:hover{
  background:var(--white);border-color:rgba(10,22,40,0.08);
  box-shadow:var(--shadow-card);transform:translateX(6px);
}
.service-num{
  font-family:'Playfair Display',serif;font-size:36px;font-weight:900;
  color:var(--amber);opacity:0.6;min-width:58px;line-height:1;
}
.service-icon-wrap{
  width:52px;height:52px;background:var(--navy);border-radius:12px;
  display:flex;align-items:center;justify-content:center;color:var(--amber);font-size:21px;flex-shrink:0;
}
.service-row-info{flex:1;}
.service-row-info h4{font-size:17px;margin-bottom:4px;}
.service-row-info p{color:var(--text-muted);font-size:14px;margin:0;}
.service-arrow{color:var(--amber);font-size:19px;transition:var(--transition);}
.service-row:hover .service-arrow{transform:translateX(6px);}

/* ===== HOW IT WORKS ===== */
.steps-wrap{position:relative;display:flex;gap:0;}
.steps-wrap::before{
  content:'';position:absolute;top:34px;
  left:calc(12.5% + 17px);width:calc(75% - 34px);
  height:2px;background:rgba(245,166,35,0.25);z-index:0;
}
.step-item{flex:1;text-align:center;position:relative;z-index:1;}
.step-num{
  width:68px;height:68px;background:var(--amber);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-family:'Playfair Display',serif;font-size:22px;font-weight:700;
  color:var(--navy);margin:0 auto 16px;box-shadow:0 8px 25px rgba(245,166,35,0.35);
}
.step-item h5{color:var(--navy);font-size:16px;margin-bottom:8px;}
.step-item p{color:var(--text-muted);font-size:13px;max-width:160px;margin:0 auto;}

/* ===== WHY CHOOSE US ===== */
.why-card{
  background:var(--white);border-radius:var(--radius-card);
  padding:32px 28px;box-shadow:var(--shadow-card);
  border:1px solid rgba(10,22,40,0.06);transition:var(--transition);height:100%;
}
.why-card:hover{transform:translateY(-8px);box-shadow:0 30px 70px rgba(10,22,40,0.15);border-color:var(--amber);}
.why-icon{
  width:56px;height:56px;background:rgba(245,166,35,0.1);border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  color:var(--amber);font-size:23px;margin-bottom:20px;transition:var(--transition);
}
.why-card:hover .why-icon{background:var(--amber);color:var(--navy);}
.why-card h4{font-size:18px;margin-bottom:10px;}
.why-card p{color:var(--text-muted);font-size:14px;margin:0;}

/* ===== TESTIMONIALS ===== */
.testi-card{
  background:var(--white);border-radius:var(--radius-card);
  padding:34px 28px;box-shadow:var(--shadow-card);
  border:1px solid rgba(10,22,40,0.06);transition:var(--transition);height:100%;
}
.testi-card:hover{transform:rotate(1deg) translateY(-6px);box-shadow:0 30px 60px rgba(10,22,40,0.15);}
.quote-mark{font-family:'Playfair Display',serif;font-size:70px;color:var(--amber);line-height:0.6;margin-bottom:20px;display:block;}
.testi-text{color:var(--navy);font-size:15px;line-height:1.7;margin-bottom:22px;}
.testi-author{display:flex;align-items:center;gap:14px;}
.testi-avatar{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--amber);}
.testi-name{font-weight:700;font-size:15px;}
.testi-stars{color:var(--amber);font-size:13px;}

/* ===== STATS ===== */
.stats-section{background:#EEF3FA;padding:60px 0;}
.stat-item{text-align:center;}
.stat-num{
  font-family:'Playfair Display',serif;
  font-size:clamp(36px,4vw,52px);font-weight:900;
  color:var(--amber);line-height:1;margin-bottom:8px;display:block;
}
.stat-label{color:var(--text-muted);font-size:14px;}
.stat-divider{width:1px;background:rgba(36,52,74,0.12);align-self:stretch;}

/* ===== QUOTE FORM ===== */
.quote-section{position:relative;overflow:hidden;}
.quote-bg{position:absolute;inset:0;background:linear-gradient(135deg,#F7F9FC 0%,#ECF2FA 100%);}
.quote-bg-img{position:absolute;right:0;top:0;width:45%;height:100%;object-fit:cover;opacity:0.09;}
.quote-form-card{
  background:var(--white);border-radius:20px;
  padding:44px 40px;box-shadow:0 30px 70px rgba(36,52,74,0.14);position:relative;z-index:2;
}
.quote-form-card h3{font-size:26px;margin-bottom:6px;}
.quote-form-card>p{color:var(--text-muted);font-size:14px;margin-bottom:28px;}
.form-label-custom{font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px;display:block;}
.form-control-custom{
  width:100%;border:1.5px solid rgba(10,22,40,0.12);border-radius:10px;
  padding:12px 16px;font-family:'DM Sans',sans-serif;font-size:14px;
  color:var(--navy);background:var(--light-bg);transition:var(--transition);outline:none;
}
.form-control-custom:focus{border-color:var(--amber);background:var(--white);box-shadow:0 0 0 3px rgba(245,166,35,0.12);}
.form-note{font-size:12px;color:var(--text-muted);margin-top:12px;}

/* ===== BLOG ===== */
.blog-card{
  background:var(--white);border-radius:var(--radius-card);overflow:hidden;
  box-shadow:var(--shadow-card);border:1px solid rgba(10,22,40,0.06);
  transition:var(--transition);height:100%;
}
.blog-card:hover{transform:translateY(-6px);box-shadow:0 25px 60px rgba(10,22,40,0.14);}
.blog-img{width:100%;height:200px;object-fit:cover;}
.blog-body{padding:24px 22px;}
.blog-cat{
  background:rgba(245,166,35,0.12);color:var(--amber);border-radius:50px;
  padding:4px 14px;font-size:11px;font-weight:700;letter-spacing:0.5px;
  text-transform:uppercase;display:inline-block;margin-bottom:12px;
}
.blog-body h5{font-size:17px;margin-bottom:10px;}
.blog-body p{color:var(--text-muted);font-size:13px;margin-bottom:14px;}
.blog-meta{color:var(--text-muted);font-size:12px;}
.blog-read{color:var(--amber);font-weight:600;font-size:14px;}
.blog-read:hover{color:var(--amber-dark);}

/* ===== FINAL CTA ===== */
.final-cta{position:relative;overflow:hidden;padding:120px 0;text-align:center;}
.final-cta-bg{position:absolute;inset:0;background:linear-gradient(135deg,#F7F9FC 0%,#EEF3FA 100%);}
.final-cta-bg img{width:100%;height:100%;object-fit:cover;opacity:0.10;}
.final-cta h2{font-size:clamp(30px,4vw,50px);color:var(--navy);margin-bottom:16px;}
.final-cta p{color:var(--text-muted);font-size:17px;margin-bottom:36px;}

/* ===== FOOTER ===== */
.footer-main{background:#EEF3FA;padding:80px 0 0;color:rgba(36,52,74,0.78);}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:16px;}
.footer-brand-name{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--navy);}
.footer-desc{font-size:14px;max-width:260px;margin-bottom:24px;}
.footer-social{display:flex;gap:10px;}
.footer-social a{
  width:36px;height:36px;background:rgba(36,52,74,0.08);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:rgba(36,52,74,0.72);font-size:14px;transition:var(--transition);
}
.footer-social a:hover{background:var(--amber);color:var(--navy);}
.footer-heading{
  color:var(--navy);font-family:'DM Sans',sans-serif;font-size:12px;
  font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:20px;
}
.footer-links{list-style:none;padding:0;margin:0;}
.footer-links li{margin-bottom:10px;}
.footer-links a{color:rgba(36,52,74,0.68);font-size:14px;transition:var(--transition);}
.footer-links a:hover{color:var(--amber);padding-left:4px;}
.footer-bottom{border-top:1px solid rgba(36,52,74,0.12);padding:20px 0;margin-top:60px;}
.footer-bottom-text{color:rgba(36,52,74,0.56);font-size:13px;}
.footer-certs{color:rgba(36,52,74,0.56);font-size:12px;}
.footer-certs span{color:var(--amber);}

/* ===== PAGE HERO BANNER ===== */
.page-hero{background:linear-gradient(135deg,#F7F9FC 0%,#EEF3FA 100%);padding:80px 0 70px;position:relative;overflow:hidden;}
.page-hero::before{
  content:'';position:absolute;bottom:0;left:0;right:0;height:60px;
  background:var(--white);clip-path:ellipse(55% 100% at 50% 100%);
}
.page-hero h1{color:var(--navy);font-size:clamp(30px,4vw,46px);margin-bottom:10px;}
.page-hero .breadcrumb-item{color:rgba(36,52,74,0.62);font-size:14px;}
.page-hero .breadcrumb-item.active{color:var(--amber);}
.page-hero .breadcrumb-item+.breadcrumb-item::before{color:rgba(36,52,74,0.4);}

/* ===== ABOUT PAGE ===== */
.timeline{position:relative;padding-left:28px;}
.timeline::before{content:'';position:absolute;left:8px;top:0;bottom:0;width:2px;background:linear-gradient(to bottom,var(--amber),rgba(245,166,35,0.1));}
.timeline-item{position:relative;margin-bottom:34px;}
.timeline-dot{position:absolute;left:-24px;top:4px;width:14px;height:14px;background:var(--amber);border-radius:50%;border:2px solid var(--white);box-shadow:0 0 0 3px rgba(245,166,35,0.25);}
.timeline-year{color:var(--amber);font-weight:700;font-size:13px;margin-bottom:4px;}
.timeline-item h5{font-size:17px;margin-bottom:6px;}
.timeline-item p{color:var(--text-muted);font-size:14px;margin:0;}

.team-card{background:var(--white);border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow-card);text-align:center;transition:var(--transition);border:1px solid rgba(10,22,40,0.06);}
.team-card:hover{transform:translateY(-8px);box-shadow:0 30px 70px rgba(10,22,40,0.15);}
.team-img{width:100%;height:240px;object-fit:cover;}
.team-info{padding:22px 20px;}
.team-info h5{font-size:18px;margin-bottom:4px;}
.team-info p{color:var(--amber);font-size:13px;font-weight:600;margin-bottom:12px;}
.team-socials{display:flex;justify-content:center;gap:10px;}
.team-socials a{width:32px;height:32px;background:var(--light-bg);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--navy);font-size:13px;transition:var(--transition);}
.team-socials a:hover{background:var(--amber);color:var(--navy);}

/* ===== INSURANCE NAV PILLS ===== */
.ins-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;}
.ins-nav-pill{
  display:inline-flex;align-items:center;gap:7px;
  background:var(--white);border:1.5px solid rgba(10,22,40,0.1);
  color:var(--navy);border-radius:50px;padding:9px 20px;
  font-size:13px;font-weight:600;transition:var(--transition);
}
.ins-nav-pill:hover,.ins-nav-pill.active{
  background:var(--amber);color:var(--white);border-color:var(--amber);
}
.ins-nav-pill i{color:var(--amber);font-size:13px;}
.ins-nav-pill:hover i,.ins-nav-pill.active i{color:var(--white);}

/* ===== INSURANCE SECTION ROWS ===== */
.ins-section{padding:90px 0;}
.ins-row{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);}
.ins-img-col{min-height:480px;}
.ins-section-img{width:100%;height:100%;object-fit:cover;display:block;}
.ins-content-col{background:var(--white);}
.bg-light-bg .ins-content-col{background:var(--light-bg);}
.ins-content{
  padding:56px 52px;
  height:100%;display:flex;flex-direction:column;justify-content:center;
}
.ins-icon-lg{
  width:64px;height:64px;background:var(--navy);border-radius:16px;
  display:flex;align-items:center;justify-content:center;
  color:var(--amber);font-size:26px;margin-bottom:20px;
}
.ins-content h2{font-size:clamp(22px,2.5vw,32px);margin-bottom:14px;}
.ins-feat-list{
  list-style:none;padding:0;margin:20px 0 28px;
}
.ins-feat-list li{
  display:flex;align-items:center;gap:10px;
  font-size:15px;color:var(--navy);padding:6px 0;
  border-bottom:1px solid rgba(10,22,40,0.06);
}
.ins-feat-list li:last-child{border-bottom:none;}
.ins-feat-list li i{color:var(--amber);font-size:15px;flex-shrink:0;}
.ins-price-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:auto;}
.ins-price-tag{font-family:'Playfair Display',serif;font-size:16px;color:var(--text-muted);}
.ins-price-tag strong{font-size:32px;color:var(--navy);margin:0 2px;}
.ins-price-tag span{font-family:'DM Sans',sans-serif;font-size:13px;}

.ins-card{
  background:var(--white);border-radius:var(--radius-card);
  padding:32px 28px;box-shadow:var(--shadow-card);border:2px solid transparent;
  transition:var(--transition);height:100%;position:relative;overflow:hidden;
}
.ins-card::before{
  content:'';position:absolute;left:0;top:0;bottom:0;width:4px;
  background:var(--amber);transform:scaleY(0);transition:var(--transition);transform-origin:bottom;
}
.ins-card:hover::before{transform:scaleY(1);}
.ins-card:hover{border-color:rgba(245,166,35,0.25);transform:translateY(-6px);box-shadow:0 25px 60px rgba(10,22,40,0.14);}
.ins-icon{
  width:62px;height:62px;background:var(--navy);border-radius:14px;
  display:flex;align-items:center;justify-content:center;color:var(--amber);font-size:25px;
  margin-bottom:20px;transition:var(--transition);
}
.ins-card:hover .ins-icon{background:var(--amber);color:var(--navy);}
.ins-card h4{font-size:20px;margin-bottom:10px;}
.ins-card p{color:var(--text-muted);font-size:14px;margin-bottom:16px;}
.ins-features{list-style:none;padding:0;margin-bottom:20px;}
.ins-features li{font-size:13px;color:var(--navy);padding:4px 0;display:flex;align-items:center;gap:8px;}
.ins-features li i{color:var(--amber);font-size:12px;}
.ins-price{font-family:'Playfair Display',serif;font-size:22px;font-weight:700;color:var(--navy);}
.ins-price span{font-family:'DM Sans',sans-serif;font-size:13px;color:var(--text-muted);font-weight:400;}

/* ===== CONTACT PAGE ===== */
.contact-info-card{
  background:var(--white);border-radius:var(--radius-card);padding:28px 22px;
  text-align:center;box-shadow:var(--shadow-card);border:1px solid rgba(10,22,40,0.06);
  transition:var(--transition);height:100%;
}
.contact-info-card:hover{transform:translateY(-4px);box-shadow:0 20px 50px rgba(10,22,40,0.12);}
.contact-icon{
  width:54px;height:54px;background:rgba(245,166,35,0.1);border-radius:14px;
  display:flex;align-items:center;justify-content:center;color:var(--amber);font-size:21px;
  margin:0 auto 14px;
}
.contact-info-card h5{font-size:16px;margin-bottom:8px;}
.contact-info-card p{color:var(--text-muted);font-size:14px;margin:0;}
.contact-info-card a{color:var(--navy);transition:var(--transition);}
.contact-info-card a:hover{color:var(--amber);}
.map-placeholder{background:var(--light-bg);border-radius:var(--radius-card);overflow:hidden;height:350px;}
.map-placeholder iframe{width:100%;height:100%;border:none;}

/* ===== FAQ ===== */
.faq-accordion .accordion-item{border:1px solid rgba(10,22,40,0.08);border-radius:var(--radius-card)!important;margin-bottom:12px;overflow:hidden;}
.faq-accordion .accordion-button{font-family:'DM Sans',sans-serif;font-weight:600;font-size:15px;color:var(--navy);background:var(--white);padding:18px 22px;}
.faq-accordion .accordion-button:not(.collapsed){background:rgba(213,154,74,0.14);color:var(--navy);box-shadow:none;}
.faq-accordion .accordion-button:not(.collapsed)::after{filter:none;}
.faq-accordion .accordion-body{font-size:14px;color:var(--text-muted);padding:16px 22px 20px;}

/* ===== LEGAL PAGES ===== */
.legal-sidebar{background:var(--light-bg);border-radius:var(--radius-card);padding:28px 24px;position:sticky;top:100px;}
.legal-sidebar h6{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--text-muted);margin-bottom:16px;}
.legal-toc{list-style:none;padding:0;margin:0;}
.legal-toc li{margin-bottom:8px;}
.legal-toc a{color:var(--navy);font-size:14px;transition:var(--transition);display:flex;align-items:center;gap:6px;}
.legal-toc a:hover{color:var(--amber);}
.legal-toc a::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--amber);flex-shrink:0;}
.legal-content h2{font-size:22px;margin-bottom:14px;margin-top:40px;padding-top:10px;}
.legal-content h2:first-child{margin-top:0;}
.legal-content p{color:var(--text-muted);font-size:15px;margin-bottom:16px;}
.legal-content ul{color:var(--text-muted);font-size:15px;padding-left:20px;margin-bottom:16px;}
.legal-content ul li{margin-bottom:6px;}
.legal-divider{border:none;border-top:1px solid var(--amber);opacity:0.25;margin:30px 0;}

/* ===== PHP FLASH MESSAGES ===== */
.flash-msg{
  border-radius:12px;padding:16px 22px;margin-bottom:20px;font-size:14px;font-weight:500;display:flex;align-items:center;gap:10px;
}
.flash-success{background:rgba(46,204,113,0.1);border:1px solid rgba(46,204,113,0.3);color:#1a7a4a;}
.flash-error{background:rgba(231,76,60,0.1);border:1px solid rgba(231,76,60,0.3);color:#922b21;}

/* ===== CTA SWITCHER BANNER ===== */
.cta-banner{position:relative;height:560px;overflow:hidden;}
.cta-slide{
  position:absolute;inset:0;opacity:0;
  transition:opacity 0.8s ease;pointer-events:none;
}
.cta-slide.active{opacity:1;pointer-events:auto;}
.cta-slide-bg{
  position:absolute;inset:0;
  background-size:cover;background-position:center;
  transform:scale(1.04);transition:transform 6s ease;
}
.cta-slide.active .cta-slide-bg{transform:scale(1);}
.cta-slide-overlay{
  position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(251,250,247,0.92) 0%,rgba(251,250,247,0.65) 60%,rgba(251,250,247,0.25) 100%);
}
.cta-slide-inner{
  position:relative;z-index:2;
  height:100%;display:flex;align-items:center;
}
.cta-label{
  display:inline-flex;align-items:center;
  background:rgba(245,166,35,0.18);border:1px solid rgba(245,166,35,0.4);
  color:var(--amber);border-radius:50px;padding:6px 18px;
  font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;
  margin-bottom:18px;
}
.cta-slide h2{
  font-size:clamp(28px,3.5vw,48px);color:var(--navy);
  font-weight:900;line-height:1.15;margin-bottom:24px;
}
.cta-bullets{
  list-style:none;padding:0;margin:0 0 8px;
}
.cta-bullets li{
  color:rgba(36,52,74,0.88);font-size:15px;
  display:flex;align-items:center;gap:10px;margin-bottom:10px;
}
.cta-bullets li i{
  width:22px;height:22px;background:var(--amber);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:var(--navy);font-size:10px;flex-shrink:0;
}
.cta-tabs{
  position:absolute;bottom:0;left:0;right:0;z-index:10;
  display:flex;align-items:stretch;
  background:rgba(255,255,255,0.80);backdrop-filter:blur(10px);
  border-top:1px solid rgba(36,52,74,0.10);
}
.cta-tab{
  flex:1;padding:18px 24px;
  background:transparent;border:none;border-right:1px solid rgba(36,52,74,0.10);
  color:rgba(36,52,74,0.62);font-family:'DM Sans',sans-serif;
  font-size:15px;font-weight:600;cursor:pointer;
  display:flex;align-items:center;justify-content:center;gap:10px;
  transition:all 0.3s ease;position:relative;
}
.cta-tab:last-of-type{border-right:none;}
.cta-tab.active{color:var(--amber);background:rgba(245,166,35,0.08);}
.cta-tab:hover:not(.active){color:var(--navy);background:rgba(36,52,74,0.05);}
.cta-progress{
  position:absolute;bottom:0;left:0;right:0;height:3px;
  background:rgba(36,52,74,0.10);
}
.cta-progress-bar{
  height:100%;background:var(--amber);width:0%;
  transition:width linear;
}

/* ===== BUNDLE / EARLY BIRD ===== */
.bundle-countdown{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:12px;}
.countdown-block{background:rgba(245,166,35,0.12);border:1px solid rgba(245,166,35,0.25);border-radius:10px;padding:10px 18px;text-align:center;min-width:72px;}
.countdown-block span{display:block;font-family:'Playfair Display',serif;font-size:30px;font-weight:700;color:var(--amber);line-height:1;}
.countdown-block small{display:block;font-size:11px;color:rgba(36,52,74,0.55);letter-spacing:1px;text-transform:uppercase;margin-top:4px;}
.countdown-sep{font-size:28px;font-weight:700;color:var(--amber);line-height:1;}
.bundle-card{
  background:var(--white);border:1px solid rgba(36,52,74,0.10);border-radius:var(--radius-card);
  padding:34px 28px;text-align:center;position:relative;transition:var(--transition);height:100%;
}
.bundle-card:hover{transform:translateY(-8px);border-color:rgba(213,154,74,0.35);box-shadow:0 25px 60px rgba(36,52,74,0.14);}
.bundle-card--featured{border-color:var(--amber);box-shadow:0 0 0 1px var(--amber),0 20px 60px rgba(245,166,35,0.15);}
.bundle-badge{
  position:absolute;top:-14px;left:50%;transform:translateX(-50%);
  background:#F4F7FB;border:1px solid rgba(36,52,74,0.15);color:rgba(36,52,74,0.7);
  border-radius:50px;padding:4px 16px;font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;white-space:nowrap;
}
.bundle-badge--amber{background:var(--amber);color:var(--navy);border-color:var(--amber);}
.bundle-icons{font-size:26px;color:var(--amber);margin:20px 0 16px;display:flex;align-items:center;justify-content:center;gap:10px;}
.bundle-plus{font-size:14px;color:rgba(36,52,74,0.4);}
.bundle-card h4{color:var(--navy);font-size:18px;margin-bottom:10px;}
.bundle-card p{font-size:14px;margin-bottom:0;}
.bundle-saving{margin-top:18px;font-size:15px;color:rgba(36,52,74,0.72);}
.bundle-saving strong{color:var(--amber);font-size:22px;font-family:'Playfair Display',serif;}

/* ===== ANIMATIONS ===== */
@keyframes fadeUp{from{opacity:0;transform:translateY(30px);}to{opacity:1;transform:translateY(0);}}
.anim-fade-up{animation:fadeUp 0.7s ease forwards;}
@keyframes float{0%,100%{transform:translateY(0);}50%{transform:translateY(-10px);}}
.anim-float{animation:float 4s ease-in-out infinite;}

/* ===== RESPONSIVE ===== */
@media(max-width:991px){
  .hero-left h1{font-size:38px;}
  .hero-img-wrap{height:360px;}
  .hero-glass-card{left:0;}
  .steps-wrap{flex-direction:column;gap:30px;}
  .steps-wrap::before{display:none;}
  .ins-row--reverse .ins-img-col{order:2;}
  .ins-row--reverse .ins-content-col{order:1;}
  .ins-img-col{min-height:300px;}
  .ins-content{padding:36px 28px;}
  .legal-sidebar{position:static;margin-bottom:30px;}
}
@media(max-width:767px){
  /* Globals */
  .section-pad{padding:60px 0;}
  .section-pad-sm{padding:40px 0;}

  /* Navbar */
  .navbar-main .navbar-brand{font-size:16px;}
  .brand-icon{width:30px;height:30px;font-size:13px;}
  .navbar-main .btn-quote{padding:7px 14px;font-size:12px;}

  /* Hero */
  .hero-section{min-height:auto;padding:60px 0 40px;}
  .hero-img-wrap{height:240px;margin-top:24px;}
  .hero-glass-card{display:none;}
  .hero-left p{font-size:15px;}
  .hero-chips{gap:8px;}
  .hero-chip{font-size:12px;padding:5px 12px;}

  /* Trust bar */
  .trust-divider{display:none;}

  /* Services */
  .service-row{padding:16px 14px;gap:12px;}
  .service-num{font-size:24px;min-width:36px;}
  .service-icon-wrap{width:40px;height:40px;font-size:16px;}
  .service-row-info h4{font-size:15px;}

  /* Steps */
  .steps-wrap{flex-direction:column;gap:24px;}
  .steps-wrap::before{display:none;}
  .step-item p{max-width:100%;}

  /* Bundle */
  .bundle-countdown{gap:6px;}
  .countdown-block{min-width:60px;padding:8px 12px;}
  .countdown-block span{font-size:22px;}
  .bundle-card{padding:28px 20px;}

  /* CTA Banner */
  .cta-banner{height:auto;min-height:480px;}
  .cta-slide-inner{padding:60px 0 110px;align-items:flex-start;}
  .cta-slide-overlay{background:linear-gradient(180deg,rgba(251,250,247,0.88) 0%,rgba(251,250,247,0.97) 100%);}
  .cta-tab{font-size:12px;padding:12px 8px;gap:6px;}
  .cta-bullets li{font-size:14px;}

  /* Insurance sections */
  .ins-section{padding:50px 0;}
  .ins-img-col{min-height:220px;}
  .ins-content{padding:28px 20px;}
  .ins-price-row{gap:12px;}
  .ins-price-tag strong{font-size:26px;}
  .ins-nav{gap:8px;}
  .ins-nav-pill{padding:7px 14px;font-size:12px;}

  /* About bullets */
  .about-bullets li{font-size:14px;}

  /* Stats */
  .stat-divider{display:none;}
  .stats-section{padding:40px 0;}

  /* Final CTA */
  .final-cta{padding:70px 0;}
  .final-cta p{font-size:15px;}

  /* Footer */
  .footer-main{padding:50px 0 0;}
  .footer-bottom .col-md-6:last-child{text-align:left!important;margin-top:8px;}

  /* Forms */
  .quote-form-card{padding:24px 16px;}
  .form-control-custom{font-size:16px;} /* prevents iOS zoom */

  /* Legal */
  .legal-sidebar{position:static;margin-bottom:24px;}
  .legal-content h2{font-size:18px;}

  /* Page hero */
  .page-hero{padding:50px 0 44px;}
}
@media(max-width:400px){
  .navbar-main .navbar-brand{font-size:13px;}
  .cta-tab span{display:none;} /* show only icon on very small screens */
  .bundle-card{padding:24px 14px;}
}