/* =========================================
   MODERN LAYOUT REDESIGN CSS
========================================= */

/* BENTO HERO */
.bento-hero { padding: 60px 0 100px; background: linear-gradient(135deg, #0f172a 0%, #1e293b 60%, #0f172a 100%); overflow: hidden; position: relative; }
.container-bento { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items: center; max-width: 1300px; padding: 0 40px; margin: 0 auto; position: relative; z-index: 1; }
.bento-main { padding-right: 20px; position: relative; z-index: 2; }
.bento-main h1 { font-size: clamp(2.5rem, 4.5vw, 4rem); font-weight: 900; line-height: 1.05; margin: 20px 0 24px; color: #fff; letter-spacing: -1.5px; }
.bento-main h1 span { color: var(--accent); background: linear-gradient(90deg, #60a5fa, var(--accent)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.bento-main p { font-size: 1.15rem; color: rgba(255,255,255,0.75); margin-bottom: 40px; max-width: 500px; line-height: 1.6; }
.hero-badge-glass { display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px; background: rgba(255,255,255,0.1); backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.2); border-radius: 50px; font-weight: 700; font-size: 0.85rem; color: #fff; box-shadow: 0 4px 12px rgba(0,0,0,0.2); }
.hero-badge-glass i { color: #fbbf24; }
.hero-btns-bento { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; position: relative; z-index: 5; }
.hero-btns-bento .btn { padding: 16px 36px; font-size: 1.05rem; position: relative; z-index: 5; }
.hero-btns-bento .btn-outline { border-color: rgba(255,255,255,0.7); color: #fff; }
.hero-btns-bento .btn-outline:hover { background: #fff; color: var(--primary); }
.trust-bar-inline { display: flex; gap: 24px; flex-wrap: wrap; border-top: 1px solid rgba(255,255,255,0.15); padding-top: 24px; }
.trust-item { font-size: 0.9rem; font-weight: 700; color: rgba(255,255,255,0.8); display: flex; align-items: center; gap: 8px; text-transform: uppercase; letter-spacing: 0.5px; }
.trust-item i { color: var(--accent); font-size: 1.1rem; }

/* BENTO SIDE (GRID) */
.bento-side { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: 240px 240px; gap: 20px; position: relative; z-index: 1; }
.bento-box { border-radius: 24px; overflow: hidden; position: relative; background: var(--white); box-shadow: var(--shadow); transition: transform 0.4s cubic-bezier(0.4,0,0.2,1), box-shadow 0.4s; }
.hover-lift:hover { transform: translateY(-8px); box-shadow: 0 20px 40px -10px rgba(15,23,42,0.25); }
.bento-img-1 { grid-column: 1 / 2; grid-row: 1 / 3; }
.bento-img-1 img { width: 100%; height: 100%; object-fit: cover; }
.bento-img-2 { grid-column: 2 / 3; grid-row: 2 / 3; }
.bento-img-2 img { width: 100%; height: 100%; object-fit: cover; }
.bento-overlay { position: absolute; bottom: 20px; left: 20px; background: rgba(255,255,255,0.9); backdrop-filter: blur(8px); padding: 8px 16px; border-radius: 12px; }
.bento-overlay h4 { margin: 0; font-weight: 700; font-size: 1rem; color: var(--dark); }

.bento-stat { display: flex; align-items: center; justify-content: center; text-align: center; }
.blur-card { background: rgba(255,255,255,0.6); backdrop-filter: blur(16px); border: 1px solid rgba(255,255,255,0.8); }
.stat-content i { font-size: 2.5rem; color: var(--accent); margin-bottom: 12px; }
.stat-content strong { display: block; font-size: 2.5rem; font-weight: 900; color: var(--primary); line-height: 1; margin-bottom: 4px; }
.stat-content span { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--gray); }

/* ASYMMETRIC ABOUT */
.about-asymmetric { padding: 120px 0; }
.asym-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 80px; align-items: center; }
.asym-image-wrap { position: relative; padding-right: 40px; padding-bottom: 40px; }
.main-img { border-radius: 24px; box-shadow: 0 24px 48px -12px rgba(15,23,42,0.25); width: 100%; height: 600px; object-fit: cover; }
.floating-badge { position: absolute; bottom: 0; right: 0; padding: 20px 32px; display: flex; align-items: center; gap: 16px; border-radius: 20px; box-shadow: 0 16px 32px rgba(15,23,42,0.15); z-index: 2; border-left: 4px solid var(--accent); }
.floating-badge i { font-size: 2.5rem; color: var(--primary); }
.floating-badge-2 { position: absolute; top: 40px; left: -40px; padding: 16px 24px; display: flex; align-items: center; gap: 12px; border-radius: 16px; box-shadow: 0 16px 32px rgba(15,23,42,0.15); z-index: 2; border-left: 4px solid var(--accent); }
.floating-badge-2 i { font-size: 2rem; color: var(--primary); }
.badge-text strong { display: block; font-size: 1.4rem; font-weight: 800; color: var(--primary); line-height: 1.2; }
.badge-text span { font-size: 0.85rem; color: var(--gray); font-weight: 700; text-transform: uppercase; }

.asym-desc { font-size: 1.1rem; margin-bottom: 40px; color: var(--gray); line-height: 1.8; }
.about-bullets-modern { display: flex; flex-direction: column; gap: 24px; }
.bullet-modern { display: flex; align-items: flex-start; gap: 16px; }
.icon-wrap { width: 56px; height: 56px; min-width: 56px; border-radius: 16px; background: #eff6ff; color: var(--accent); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; }
.bullet-modern strong { font-size: 1.1rem; color: var(--primary); display: block; margin-bottom: 4px; }
.bullet-modern p { margin: 0; font-size: 0.95rem; color: var(--gray); }

/* GLOWING SERVICES GRID */
.services-modern { padding: 100px 0 140px; }
.glow-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.glow-card { position: relative; background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.08); border-radius: 24px; overflow: hidden; transition: transform 0.4s, border-color 0.4s; text-decoration: none !important; }
.glow-card:hover { transform: translateY(-8px); border-color: rgba(59,130,246,0.5); }
.glow-card:hover .glow-bg { opacity: 1; }
.glow-bg { position: absolute; top: 0; left: 0; width: 100%; height: 100%; background: radial-gradient(circle at 50% 0%, rgba(59,130,246,0.15), transparent 70%); opacity: 0; transition: opacity 0.6s; z-index: 0; }
.glow-content { position: relative; z-index: 1; padding: 40px; }
.service-icon-modern { width: 64px; height: 64px; background: rgba(59,130,246,0.1); border-radius: 16px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; border: 1px solid rgba(59,130,246,0.2); }
.service-icon-modern i { font-size: 1.8rem; color: #60a5fa; }
.glow-content h3 { color: #fff; font-size: 1.5rem; margin-bottom: 12px; font-weight: 700; }
.glow-content p { color: rgba(255,255,255,0.6); font-size: 0.95rem; margin-bottom: 24px; line-height: 1.7; }
.explore-link { color: #60a5fa; font-weight: 700; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 1px; }
.feature-span { grid-column: 1 / 3; }
.feature-span .glow-content { display: flex; flex-direction: column; justify-content: center; height: 100%; }

/* Z-PATTERN SECTIONS */
.z-pattern-section { padding: 100px 0; }
.container-z { max-width: 1000px; margin: 0 auto; padding: 0 24px; }
.z-row { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; margin-bottom: 80px; align-items: center; }
.z-row.reverse .z-image { order: 2; }
.z-row.reverse .z-content { order: 1; }
.z-image { border-radius: 24px; overflow: hidden; box-shadow: var(--shadow); height: 400px; }
.z-image img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s; }
.zoom-hover:hover img { transform: scale(1.05); }
.z-content { display: flex; flex-direction: column; justify-content: center; }
.z-icon { width: 56px; height: 56px; background: var(--primary); color: #fff; display: flex; align-items: center; justify-content: center; border-radius: 16px; font-size: 1.5rem; margin-bottom: 24px; }
.z-content h3 { font-size: 2rem; color: var(--primary); margin-bottom: 16px; line-height: 1.2; font-weight: 800; }
.z-content p { font-size: 1.05rem; color: var(--gray); line-height: 1.8; }

/* OVERLAPPING QUOTE FORM */
.quote-overlap-section { padding: 0 24px 100px; position: relative; margin-top: 120px; z-index: 10; max-width: 1200px; margin-left: auto; margin-right: auto; }
.quote-card { background: rgba(255,255,255,0.85); backdrop-filter: blur(20px); border: 1px solid rgba(255,255,255,1); border-radius: 32px; box-shadow: 0 32px 64px -16px rgba(15,23,42,0.15); display: grid; grid-template-columns: 1fr 1.2fr; overflow: hidden; }
.quote-text { padding: 60px; background: linear-gradient(135deg, var(--light), #fff); }
.quote-text h2 { font-size: 2.2rem; color: var(--primary); margin-bottom: 16px; line-height: 1.2; font-weight: 800; }
.quote-text p { font-size: 1.05rem; color: var(--gray); }
.quote-benefits p { margin-bottom: 12px; font-weight: 700; color: var(--dark); display: flex; align-items: center; gap: 8px; }
.text-success { color: #10b981; }
.quote-form-wrapper { padding: 60px; }
.modern-form .form-row { display: flex; gap: 20px; margin-bottom: 20px; }
.modern-form .half { flex: 1; margin: 0; }
.modern-form label { display: block; font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--gray); margin-bottom: 8px; }
.modern-form .form-control { width: 100%; padding: 14px 20px; border-radius: 12px; border: 2px solid #e2e8f0; background: #fff; font-size: 1rem; color: var(--dark); transition: border-color 0.3s; }
.modern-form .form-control:focus { outline: none; border-color: var(--accent); }
.btn-block { width: 100%; display: block; text-align: center; }
.btn-lg { padding: 18px 32px; font-size: 1.1rem; border-radius: 16px; }
.mt-3 { margin-top: 1rem; }
.mt-4 { margin-top: 1.5rem; }
.mb-5 { margin-bottom: 3rem; }
.mb-6 { margin-bottom: 4rem; }
.text-white { color: #fff !important; }

/* UTILS & ANIMATIONS */
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.align-items-center { align-items: center; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .container-bento { grid-template-columns: 1fr; padding: 0 24px; }
  .asym-grid, .glow-grid, .z-row, .quote-card { grid-template-columns: 1fr; }
  .floating-badge, .floating-badge-2 { display: none; }
  .asym-image-wrap { padding: 0; }
  .bento-img-1, .bento-img-2 { grid-column: auto; grid-row: auto; height: 240px; }
  .glow-grid { grid-template-columns: 1fr 1fr; }
  .feature-span { grid-column: span 1; }
  .quote-overlap-section { margin-top: -60px; }
}
@media (max-width: 768px) {
  .bento-side { grid-template-columns: 1fr; }
  .glow-grid { grid-template-columns: 1fr; }
  .modern-form .form-row { flex-direction: column; }
  .quote-text, .quote-form-wrapper { padding: 40px 24px; }
}

/* ============================================
   SERVICE CARDS — insurance.php
============================================ */
.svc-cards-section { background: #f1f5f9; padding: 80px 0 100px; }

.svc-card {
  display: grid;
  grid-template-columns: 480px 1fr;
  background: #fff;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(15,23,42,0.10);
  margin-bottom: 48px;
  border: 1px solid #e2e8f0;
  transition: box-shadow 0.3s, transform 0.3s;
}
.svc-card:hover { box-shadow: 0 20px 60px rgba(15,23,42,0.15); transform: translateY(-4px); }
.svc-card:last-child { margin-bottom: 0; }

/* Reversed card — image on right */
.svc-card-rev { grid-template-columns: 1fr 480px; }
.svc-card-rev .svc-card-img { order: 2; }
.svc-card-rev .svc-card-body { order: 1; }

/* IMAGE SIDE */
.svc-card-img {
  position: relative;
  overflow: hidden;
  min-height: 480px;
}
.svc-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s ease;
}
.svc-card:hover .svc-card-img img { transform: scale(1.05); }

.svc-card-num {
  position: absolute;
  top: 24px; left: 24px;
  font-size: 5rem;
  font-weight: 900;
  color: rgba(255,255,255,0.12);
  line-height: 1;
  pointer-events: none;
  font-family: 'Sora', sans-serif;
}
.svc-card-badge {
  position: absolute;
  bottom: 24px; left: 24px;
  width: 56px; height: 56px;
  background: var(--accent);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 24px rgba(59,130,246,0.45);
}
.svc-card-badge i { font-size: 1.5rem; color: #fff; }

/* BODY SIDE */
.svc-card-body {
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 28px;
}

.svc-card-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: #eff6ff;
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  padding: 6px 16px;
  border-radius: 50px;
  border: 1px solid #bfdbfe;
  width: fit-content;
  margin-bottom: 4px;
}
.svc-card-top h2 {
  font-size: clamp(1.3rem, 2vw, 1.75rem);
  color: var(--primary);
  margin: 12px 0 10px;
  line-height: 1.25;
}
.svc-card-top p {
  font-size: 0.95rem;
  color: var(--gray);
  line-height: 1.8;
  margin: 0;
}

/* COVERAGE BOXES */
.svc-card-coverage {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.svc-cov {
  border-radius: 14px;
  padding: 18px 20px;
}
.svc-cov.green { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.svc-cov.red   { background: #fff1f2; border: 1.5px solid #fecdd3; }

.svc-cov-title {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 12px;
}
.svc-cov.green .svc-cov-title { color: #16a34a; }
.svc-cov.red   .svc-cov-title { color: #dc2626; }

.svc-cov ul { display: flex; flex-direction: column; gap: 7px; }
.svc-cov ul li {
  font-size: 0.86rem;
  color: #1f2937;
  padding-left: 16px;
  position: relative;
  line-height: 1.5;
}
.svc-cov.green ul li::before { content: '✓'; position: absolute; left: 0; color: #22c55e; font-weight: 800; }
.svc-cov.red   ul li::before { content: '✕'; position: absolute; left: 0; color: #ef4444; font-weight: 800; }

/* RESPONSIVE */
@media (max-width: 1100px) {
  .svc-card,
  .svc-card-rev { grid-template-columns: 1fr; }
  .svc-card-rev .svc-card-img { order: 0; }
  .svc-card-rev .svc-card-body { order: 0; }
  .svc-card-img { min-height: 300px; }
  .svc-card-body { padding: 36px 28px; }
}
@media (max-width: 600px) {
  .svc-card-coverage { grid-template-columns: 1fr; }
  .svc-card-body { padding: 28px 20px; }
  .svc-cards-section { padding: 48px 0 64px; }
}