/* ===== ICONS ===== */
.usp-icon i { font-size: 1.5rem; color: #fff; }
.service-icon { width: 68px; height: 68px; border-radius: 16px; background: linear-gradient(135deg, var(--primary), #1e293b); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.service-icon i { font-size: 1.7rem; color: #fff; }
.hero-badge i { margin-right: 5px; color: var(--accent); }
.about-bullet .icon i { font-size: 0.7rem; color: white; }
.urgency-bar .icon i { font-size: 1.4rem; color: var(--accent); }
.cta-slide-icon i { font-size: 8rem; opacity: 0.18; color: white; }
.slider-card .service-icon { margin: 0 auto 12px; }
.nav-dropdown .dropdown-menu a i { width: 18px; color: var(--accent); margin-right: 4px; }
.social-post .platform i { margin-right: 6px; color: var(--accent); font-size: 1rem; }
.team-avatar i { font-size: 3.5rem; color: rgba(255,255,255,0.9); }
.step-num { width: 72px; height: 72px; border-radius: 50%; background: var(--primary); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; border: 4px solid var(--white); box-shadow: 0 0 0 3px var(--accent); }
.step-num i { font-size: 1.4rem; color: white; }
.authority-item i { font-size: 1.5rem; color: var(--accent); display: block; margin-bottom: 6px; }
.review-stars i { color: var(--accent); font-size: 1rem; margin-right: 1px; }
.btn i { margin-right: 6px; }
.service-card a i { margin-left: 4px; font-size: 0.8rem; }

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

:root {
  --primary: #0f172a;
  --accent: #3b82f6;
  --light: #f8fafc;
  --dark: #0f172a;
  --gray: #64748b;
  --white: #ffffff;
  --radius: 16px;
  --shadow: 0 10px 40px -10px rgba(15,23,42,0.15);
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--dark); background: var(--white); line-height: 1.7; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ===== TYPOGRAPHY ===== */
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { color: var(--gray); }

/* ===== BUTTONS ===== */
.btn { display: inline-block; padding: 14px 32px; border-radius: 50px; font-weight: 600; font-size: 1rem; cursor: pointer; border: none; transition: var(--transition); }
.btn-primary { background: var(--accent); color: var(--white); }
.btn-primary:hover { background: #2563eb; transform: translateY(-4px); box-shadow: 0 8px 24px rgba(59,130,246,0.35); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid var(--white); }
.btn-outline:hover { background: var(--white); color: var(--primary); }
.btn-dark { background: var(--primary); color: var(--white); }
.btn-dark:hover { background: #1e293b; transform: translateY(-4px); box-shadow: 0 8px 24px rgba(15,23,42,0.35); }

/* ===== LAYOUT ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-label { font-size: 0.85rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; }
.section-title { margin-bottom: 16px; color: var(--primary); }
.section-sub { max-width: 600px; margin-bottom: 48px; }
.text-center { text-align: center; }
.text-center .section-sub { margin-left: auto; margin-right: auto; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.bg-light { background: var(--light); }
.bg-primary { background: var(--primary); }
.bg-dark { background: var(--dark); }

/* ===== NAVBAR ===== */
.navbar { position: sticky; top: 0; z-index: 1000; background: var(--white); box-shadow: 0 2px 12px rgba(0,0,0,0.08); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.nav-logo { font-size: 1.2rem; font-weight: 800; color: var(--primary); }
.nav-logo span { color: var(--accent); }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { font-weight: 500; color: var(--dark); transition: color var(--transition); font-size: 0.95rem; }
.nav-links a:hover { color: var(--accent); }
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: 0.75rem; }
.dropdown-menu { display: none; position: absolute; top: 100%; left: 0; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); min-width: 220px; padding: 12px 0; z-index: 999; }
.dropdown-menu a { display: block; padding: 10px 20px; font-size: 0.9rem; color: var(--dark); transition: background var(--transition); }
.dropdown-menu a:hover { background: var(--light); color: var(--accent); }
.nav-dropdown:hover .dropdown-menu { display: block; }
.nav-cta { background: var(--accent); color: var(--white) !important; padding: 10px 24px; border-radius: 50px; transition: var(--transition); }
.nav-cta:hover { background: #2563eb !important; color: var(--white) !important; transform: translateY(-2px); box-shadow: 0 8px 20px rgba(59,130,246,0.3); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { width: 26px; height: 3px; background: var(--primary); border-radius: 2px; transition: var(--transition); }

/* ===== HERO ===== */
.hero { min-height: 92vh; background: linear-gradient(135deg, #0f172a 0%, #1e293b 60%, #0f172a 100%); display: flex; align-items: center; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 320"><path fill="rgba(255,255,255,0.04)" d="M0,160L60,170.7C120,181,240,203,360,197.3C480,192,600,160,720,154.7C840,149,960,171,1080,176C1200,181,1320,171,1380,165.3L1440,160L1440,320L0,320Z"/></svg>') no-repeat bottom; background-size: cover; }
.hero-content { position: relative; z-index: 1; max-width: 680px; }
.hero-badge { display: inline-block; background: rgba(59,130,246,0.2); color: var(--accent); border: 1px solid var(--accent); padding: 6px 18px; border-radius: 50px; font-size: 0.85rem; font-weight: 600; margin-bottom: 24px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero p { color: rgba(255,255,255,0.8); font-size: 1.15rem; margin-bottom: 36px; max-width: 520px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 40px; margin-top: 56px; flex-wrap: wrap; }
.hero-stat strong { display: block; font-size: 1.8rem; font-weight: 800; color: var(--white); }
.hero-stat span { font-size: 0.85rem; color: rgba(255,255,255,0.7); }

/* ===== ABOUT SECTION ===== */
.about-img { border-radius: var(--radius); overflow: hidden; background: linear-gradient(135deg, #e8f4fd, #c8e0f5); height: 420px; display: flex; align-items: center; justify-content: center; }
.about-img-placeholder { font-size: 6rem; }
.about-bullets { margin-top: 24px; display: flex; flex-direction: column; gap: 12px; }
.about-bullet { display: flex; align-items: flex-start; gap: 12px; }
.about-bullet .icon { width: 28px; height: 28px; background: var(--accent); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-size: 0.75rem; flex-shrink: 0; margin-top: 2px; }
.about-bullet p { color: var(--dark); font-size: 0.95rem; }
.authority-bar { background: var(--primary); padding: 28px 0; }
.authority-inner { display: flex; align-items: center; justify-content: space-around; gap: 24px; flex-wrap: wrap; }
.authority-item { text-align: center; color: var(--white); }
.authority-item strong { display: block; font-size: 1.6rem; font-weight: 800; color: var(--accent); }
.authority-item span { font-size: 0.85rem; opacity: 0.8; }

/* ===== BUNDLE / DISCOUNT ===== */
.bundle-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.bundle-card { background: var(--white); border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow); border-top: 4px solid var(--accent); transition: transform var(--transition); }
.bundle-card:hover { transform: translateY(-6px); }
.bundle-card .tag { display: inline-block; background: #fff3e0; color: var(--accent); font-size: 0.78rem; font-weight: 700; padding: 4px 12px; border-radius: 50px; margin-bottom: 16px; }
.bundle-card h3 { color: var(--primary); margin-bottom: 10px; font-size: 1.3rem; }
.bundle-card .price { font-size: 2rem; font-weight: 800; color: var(--accent); margin: 16px 0; }
.bundle-card .price span { font-size: 1rem; font-weight: 400; color: var(--gray); }
.bundle-card ul { margin: 16px 0 24px; display: flex; flex-direction: column; gap: 8px; }
.bundle-card ul li { display: flex; align-items: center; gap: 8px; font-size: 0.9rem; color: var(--dark); }
.bundle-card ul li::before { content: '✓'; color: var(--accent); font-weight: 700; }
.urgency-bar { background: #fff3e0; border: 1px solid #f5c07a; border-radius: var(--radius); padding: 16px 24px; display: flex; align-items: center; gap: 12px; margin-top: 28px; }
.urgency-bar .icon { font-size: 1.4rem; }
.urgency-bar p { color: var(--dark); font-size: 0.95rem; margin: 0; }
.urgency-bar strong { color: var(--accent); }

/* ===== CTA BANNER (SWITCHER) ===== */
.cta-banner { padding: 0; overflow: hidden; }
.cta-slide { display: none; min-height: 380px; align-items: center; }
.cta-slide.active { display: flex; }
.cta-slide-home { background: linear-gradient(135deg, #1e293b, #0f172a); }
.cta-slide-car { background: linear-gradient(135deg, #0f172a, #1a3a5c); }
.cta-slide-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 60px 0; width: 100%; }
.cta-slide-text h2 { color: var(--white); margin-bottom: 12px; }
.cta-slide-text p { color: rgba(255,255,255,0.8); max-width: 480px; margin-bottom: 28px; }
.cta-slide-icon { font-size: 8rem; opacity: 0.25; flex-shrink: 0; }
.cta-tabs { display: flex; gap: 12px; margin-bottom: 0; justify-content: center; padding: 20px 0 0; background: var(--light); }
.cta-tab { padding: 10px 28px; border-radius: 50px; border: 2px solid var(--primary); background: transparent; color: var(--primary); font-weight: 600; cursor: pointer; transition: var(--transition); }
.cta-tab.active, .cta-tab:hover { background: var(--primary); color: var(--white); }

/* ===== SERVICES ===== */
.service-card { background: var(--white); border-radius: var(--radius); padding: 32px 24px; box-shadow: var(--shadow); text-align: center; transition: transform var(--transition), box-shadow var(--transition); border-bottom: 3px solid transparent; }
.service-card:hover { transform: translateY(-8px); box-shadow: 0 12px 40px rgba(15,23,42,0.15); border-bottom-color: var(--accent); }
.service-icon { font-size: 2.8rem; margin-bottom: 16px; }
.service-card h3 { color: var(--primary); margin-bottom: 10px; }
.service-card p { font-size: 0.9rem; margin-bottom: 20px; }
.service-card a { color: var(--accent); font-weight: 600; font-size: 0.9rem; }
.service-card a:hover { text-decoration: underline; }

/* ===== WHY US ===== */
.usp-card { display: flex; gap: 20px; align-items: flex-start; padding: 28px; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); }
.usp-icon { width: 52px; height: 52px; background: linear-gradient(135deg, var(--primary), #1e293b); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; flex-shrink: 0; }
.usp-card h3 { color: var(--primary); margin-bottom: 6px; }
.usp-card p { font-size: 0.9rem; }

/* ===== REVIEWS ===== */
.review-card { background: var(--white); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.review-stars { color: var(--accent); font-size: 1.1rem; margin-bottom: 12px; }
.review-card p { font-size: 0.95rem; color: var(--dark); margin-bottom: 20px; font-style: italic; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--accent)); display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 1rem; }
.reviewer-name { font-weight: 600; color: var(--dark); font-size: 0.9rem; }
.reviewer-type { font-size: 0.8rem; color: var(--gray); }

/* ===== PROCESS ===== */
.process-steps { display: flex; gap: 0; position: relative; }
.process-steps::before { content: ''; position: absolute; top: 36px; left: 10%; right: 10%; height: 2px; background: linear-gradient(to right, var(--accent), var(--primary)); z-index: 0; }
.process-step { flex: 1; text-align: center; position: relative; z-index: 1; padding: 0 16px; }
/* step-num defined in ICONS section above */
.process-step h3 { color: var(--primary); margin-bottom: 8px; }
.process-step p { font-size: 0.88rem; }

/* ===== SOCIAL PROOF ===== */
.social-feed { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.social-post { background: var(--white); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); border-left: 3px solid var(--accent); }
.social-post .platform { font-size: 0.78rem; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.social-post p { font-size: 0.88rem; color: var(--dark); margin-bottom: 12px; }
.social-post .meta { font-size: 0.78rem; color: var(--gray); }

/* ===== FINAL CTA ===== */
.final-cta { background: linear-gradient(135deg, var(--primary), #1e293b); padding: 100px 0; text-align: center; }
.final-cta h2 { color: var(--white); margin-bottom: 16px; }
.final-cta p { color: rgba(255,255,255,0.8); max-width: 520px; margin: 0 auto 36px; }
.final-cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== FOOTER ===== */
footer { background: #0d1b2a; color: rgba(255,255,255,0.75); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; }
.footer-brand .nav-logo { font-size: 1.4rem; margin-bottom: 16px; display: block; }
.footer-brand p { font-size: 0.9rem; line-height: 1.8; }
.footer-col h4 { color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 20px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 0.88rem; transition: color var(--transition); }
.footer-col ul a:hover { color: var(--accent); }
.footer-social { display: flex; gap: 12px; }
.footer-social a { width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); font-size: 0.9rem; transition: var(--transition); }
.footer-social a:hover { background: var(--accent); color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 24px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 0.85rem; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 0.85rem; transition: color var(--transition); }
.footer-legal a:hover { color: var(--accent); }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero { background: linear-gradient(135deg, #0f172a, #1e293b); padding: 80px 0; text-align: center; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto; font-size: 1.1rem; }
.breadcrumb { display: flex; align-items: center; gap: 8px; justify-content: center; margin-bottom: 20px; }
.breadcrumb a, .breadcrumb span { font-size: 0.85rem; color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb .sep { opacity: 0.5; }

/* ===== SERVICE PAGE ===== */
.coverage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.coverage-card { background: var(--white); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.coverage-card.included { border-left: 4px solid #22c55e; }
.coverage-card.excluded { border-left: 4px solid #ef4444; }
.coverage-card h3 { margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.coverage-card h3 .badge { font-size: 0.75rem; padding: 3px 10px; border-radius: 50px; font-weight: 600; }
.badge-green { background: #dcfce7; color: #16a34a; }
.badge-red { background: #fee2e2; color: #dc2626; }
.coverage-list { display: flex; flex-direction: column; gap: 10px; }
.coverage-list li { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: var(--dark); }
.coverage-list li .dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.dot-green { background: #22c55e; }
.dot-red { background: #ef4444; }

/* ===== SLIDER ===== */
.slider-wrapper { overflow: hidden; }
.slider-track { display: flex; gap: 24px; transition: transform 0.4s ease; }
.slider-card { min-width: 260px; background: var(--white); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); text-align: center; flex-shrink: 0; }
.slider-card .service-icon { font-size: 2.4rem; margin-bottom: 12px; }
.slider-card h3 { color: var(--primary); margin-bottom: 8px; font-size: 1rem; }
.slider-card a { color: var(--accent); font-size: 0.88rem; font-weight: 600; }
.slider-controls { display: flex; gap: 12px; justify-content: center; margin-top: 28px; }
.slider-btn { width: 44px; height: 44px; border-radius: 50%; border: 2px solid var(--primary); background: transparent; color: var(--primary); font-size: 1.1rem; cursor: pointer; transition: var(--transition); }
.slider-btn:hover { background: var(--primary); color: var(--white); }

/* ===== FAQ ===== */
.faq-item { border-bottom: 1px solid #e5e7eb; }
.faq-question { width: 100%; text-align: left; background: none; border: none; padding: 20px 0; font-size: 1rem; font-weight: 600; color: var(--primary); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-question::after { content: '+'; font-size: 1.4rem; color: var(--accent); transition: transform var(--transition); }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-answer p { padding: 0 0 20px; color: var(--gray); font-size: 0.95rem; }

/* ===== FORMS ===== */
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.9rem; color: var(--dark); }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 12px 16px; border: 1.5px solid #d1d5db; border-radius: 8px; font-size: 0.95rem; transition: border-color var(--transition); outline: none; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); }
.form-group textarea { resize: vertical; min-height: 120px; }

/* ===== ABOUT PAGE ===== */
.team-card { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); text-align: center; }
.team-avatar { height: 180px; background: linear-gradient(135deg, var(--primary), #1e293b); display: flex; align-items: center; justify-content: center; font-size: 4rem; }
.team-card-body { padding: 20px; }
.team-card-body h3 { color: var(--primary); margin-bottom: 4px; }
.team-card-body span { font-size: 0.85rem; color: var(--accent); font-weight: 600; }

/* ===== CLAIMS PAGE ===== */
.claims-tabs { display: flex; gap: 0; border-bottom: 2px solid #e5e7eb; margin-bottom: 40px; }
.claims-tab { padding: 14px 32px; font-weight: 600; cursor: pointer; border-bottom: 3px solid transparent; margin-bottom: -2px; transition: var(--transition); color: var(--gray); }
.claims-tab.active { color: var(--primary); border-bottom-color: var(--accent); }
.claims-panel { display: none; }
.claims-panel.active { display: block; }
.track-result { background: var(--light); border-radius: var(--radius); padding: 28px; margin-top: 24px; display: none; }

/* ===== LEGAL PAGES ===== */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { color: var(--primary); margin: 40px 0 16px; font-size: 1.3rem; }
.legal-content p { margin-bottom: 16px; font-size: 0.95rem; }
.legal-content ul { margin: 12px 0 20px 20px; list-style: disc; }
.legal-content ul li { margin-bottom: 8px; font-size: 0.95rem; color: var(--gray); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .social-feed { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .grid-2, .grid-3, .bundle-grid, .coverage-grid { grid-template-columns: 1fr; }
  .process-steps { flex-direction: column; gap: 32px; }
  .process-steps::before { display: none; }
  .nav-links { display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); flex-direction: column; padding: 20px 24px; box-shadow: var(--shadow); gap: 16px; }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .dropdown-menu { position: static; box-shadow: none; padding: 8px 0 0 16px; }
  .nav-dropdown:hover .dropdown-menu { display: none; }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .hero-stats { gap: 24px; }
  .cta-slide-icon { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .social-feed { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
}

/* ===== DETAIL SERVICE CARDS (insurance.php) ===== */
.detail-service-card { display: grid; grid-template-columns: 420px 1fr; gap: 0; align-items: stretch; margin-bottom: 56px; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; border: 1px solid #e5e7eb; }
.detail-service-card.reverse { grid-template-columns: 1fr 420px; }
.detail-service-card.reverse .detail-service-img { order: 2; }
.detail-service-card.reverse .detail-service-body { order: 1; padding: 40px 0 40px 40px; }
.detail-service-img { position: relative; min-height: 340px; background: linear-gradient(135deg, #e8f4fd, #c8e0f5); flex-shrink: 0; }
.detail-service-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.detail-service-icon { position: absolute; bottom: 20px; left: 20px; width: 52px; height: 52px; background: var(--accent); border-radius: 12px; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 16px rgba(0,0,0,0.25); }
.detail-service-icon i { font-size: 1.4rem; color: #fff; }
.detail-service-body { padding: 40px 40px 40px 0; display: flex; flex-direction: column; justify-content: center; }
.detail-service-body h3 { font-size: 1.6rem; color: var(--primary); margin-bottom: 12px; }
.detail-service-body > p { font-size: 0.95rem; color: var(--gray); margin-bottom: 24px; line-height: 1.8; }
.detail-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }
.detail-col-title { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--dark); margin-bottom: 12px; display: flex; align-items: center; gap: 6px; }
.detail-list { display: flex; flex-direction: column; gap: 8px; }
.detail-list li { font-size: 0.88rem; color: var(--dark); padding-left: 18px; position: relative; line-height: 1.5; }
.detail-list li::before { content: '✓'; position: absolute; left: 0; color: #22c55e; font-weight: 700; }
.detail-list.not-covered li::before { content: '✕'; color: #ef4444; }
@media (max-width: 1024px) {
  .detail-service-card,
  .detail-service-card.reverse { grid-template-columns: 1fr; }
  .detail-service-card.reverse .detail-service-img { order: 0; }
  .detail-service-card.reverse .detail-service-body { order: 0; padding: 28px; }
  .detail-service-body { padding: 28px; }
  .detail-service-img { min-height: 240px; }
}
@media (max-width: 600px) {
  .detail-cols { grid-template-columns: 1fr; }
}

/* ===== INSURANCE PAGE - MODERN LAYOUT ===== */
.ins-hero { background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%); padding: 80px 0 60px; text-align: center; position: relative; overflow: hidden; }
.ins-hero::before { content: ''; position: absolute; inset: 0; background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 320"><path fill="rgba(255,255,255,0.04)" d="M0,160L60,170.7C120,181,240,203,360,197.3C480,192,600,160,720,154.7C840,149,960,171,1080,176C1200,181,1320,171,1380,165.3L1440,160L1440,320L0,320Z"/></svg>') no-repeat bottom; background-size: cover; pointer-events: none; }
.ins-hero .breadcrumb { position: relative; z-index: 1; }
.ins-hero h1 { color: #fff; position: relative; z-index: 1; margin-bottom: 14px; }
.ins-hero > .container > p { color: rgba(255,255,255,0.8); font-size: 1.1rem; max-width: 540px; margin: 0 auto 40px; position: relative; z-index: 1; }
.ins-hero-stats { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; position: relative; z-index: 1; }
.ins-hero-stat strong { display: block; font-size: 1.9rem; font-weight: 800; color: var(--accent); }
.ins-hero-stat span { font-size: 0.82rem; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 1px; }

/* TAB SECTION */
.ins-tab-section { padding: 60px 0 80px; background: var(--light); }

/* TAB NAV */
.ins-tab-nav { display: flex; justify-content: center; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; }
.ins-tab-btn { display: flex; align-items: center; gap: 8px; padding: 12px 24px; border-radius: 50px; border: 2px solid #d1d5db; background: #fff; color: var(--gray); font-weight: 600; font-size: 0.9rem; cursor: pointer; transition: all 0.25s ease; }
.ins-tab-btn i { font-size: 1rem; }
.ins-tab-btn:hover { border-color: var(--primary); color: var(--primary); transform: translateY(-2px); box-shadow: 0 4px 12px rgba(15,23,42,0.12); }
.ins-tab-btn.active { background: var(--primary); border-color: var(--primary); color: #fff; box-shadow: 0 6px 20px rgba(15,23,42,0.25); }

/* TAB PANELS */
.ins-tab-panel { display: none; background: #fff; border-radius: 20px; overflow: hidden; box-shadow: 0 8px 40px rgba(15,23,42,0.12); animation: fadeUp 0.35s ease; }
.ins-tab-panel.active { display: grid; grid-template-columns: 420px 1fr; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }

/* PANEL IMAGE SIDE */
.ins-panel-img { position: relative; min-height: 500px; }
.ins-panel-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.ins-panel-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(15,23,42,0.92) 0%, rgba(15,23,42,0.3) 60%, transparent 100%); display: flex; flex-direction: column; justify-content: flex-end; padding: 32px; }
.ins-panel-badge { width: 56px; height: 56px; background: var(--accent); border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.ins-panel-badge i { font-size: 1.5rem; color: #fff; }
.ins-panel-overlay h2 { color: #fff; font-size: 1.7rem; margin-bottom: 6px; }
.ins-panel-overlay p { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin: 0; }

/* PANEL CONTENT SIDE */
.ins-panel-content { padding: 44px 40px; display: flex; flex-direction: column; justify-content: center; gap: 28px; }
.ins-panel-tag { display: inline-flex; align-items: center; gap: 7px; background: #eff6ff; color: var(--primary); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; padding: 6px 14px; border-radius: 50px; width: fit-content; }
.ins-panel-top h3 { font-size: 1.5rem; color: var(--primary); margin: 12px 0 10px; }
.ins-panel-top p { font-size: 0.95rem; color: var(--gray); line-height: 1.8; margin: 0; }

/* COVERAGE BOXES */
.ins-coverage-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.ins-coverage-box { border-radius: 12px; padding: 20px; }
.ins-coverage-box.green { background: #f0fdf4; border: 1px solid #bbf7d0; }
.ins-coverage-box.red { background: #fff1f2; border: 1px solid #fecdd3; }
.ins-coverage-head { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; }
.ins-coverage-box.green .ins-coverage-head { color: #16a34a; }
.ins-coverage-box.red .ins-coverage-head { color: #dc2626; }
.ins-coverage-box ul { display: flex; flex-direction: column; gap: 8px; }
.ins-coverage-box ul li { font-size: 0.87rem; color: var(--dark); padding-left: 16px; position: relative; line-height: 1.5; }
.ins-coverage-box.green ul li::before { content: '✓'; position: absolute; left: 0; color: #22c55e; font-weight: 700; }
.ins-coverage-box.red ul li::before { content: '✕'; position: absolute; left: 0; color: #ef4444; font-weight: 700; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .ins-tab-panel.active { grid-template-columns: 1fr; }
  .ins-panel-img { min-height: 280px; }
  .ins-panel-content { padding: 32px 28px; }
}
@media (max-width: 600px) {
  .ins-tab-btn span { display: none; }
  .ins-tab-btn { padding: 12px 16px; }
  .ins-coverage-wrap { grid-template-columns: 1fr; }
  .ins-hero-stats { gap: 28px; }
}

/* ===== INSURANCE PAGE — ALTERNATING ROWS ===== */
.ins-hero { background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%); padding: 80px 0 60px; text-align: center; position: relative; overflow: hidden; }
.ins-hero::before { content: ''; position: absolute; inset: 0; background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 320"><path fill="rgba(255,255,255,0.04)" d="M0,160L60,170.7C120,181,240,203,360,197.3C480,192,600,160,720,154.7C840,149,960,171,1080,176C1200,181,1320,171,1380,165.3L1440,160L1440,320L0,320Z"/></svg>') no-repeat bottom; background-size: cover; pointer-events: none; }
.ins-hero .breadcrumb { position: relative; z-index: 1; }
.ins-hero h1 { color: #fff; position: relative; z-index: 1; margin-bottom: 14px; }
.ins-hero > .container > p { color: rgba(255,255,255,0.8); font-size: 1.1rem; max-width: 540px; margin: 0 auto 40px; position: relative; z-index: 1; }
.ins-hero-stats { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; position: relative; z-index: 1; }
.ins-hero-stat strong { display: block; font-size: 1.9rem; font-weight: 800; color: var(--accent); }
.ins-hero-stat span { font-size: 0.82rem; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 1px; }

/* SERVICE ROW */
.svc-row { display: grid; grid-template-columns: 1fr 1fr; min-height: 580px; width: 100%; max-width: 100%; margin: 0; }
.svc-row-alt .svc-row-img { order: 2; }
.svc-row-alt .svc-row-body { order: 1; }

/* IMAGE SIDE */
.svc-row-img { position: relative; overflow: hidden; }
.svc-row-img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.6s ease; }
.svc-row:hover .svc-row-img img { transform: scale(1.04); }
.svc-row-img-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(15,23,42,0.55) 0%, rgba(15,23,42,0.1) 100%); display: flex; align-items: flex-end; padding: 32px; }
.svc-row-badge { width: 60px; height: 60px; background: var(--accent); border-radius: 16px; display: flex; align-items: center; justify-content: center; box-shadow: 0 8px 24px rgba(0,0,0,0.25); }
.svc-row-badge i { font-size: 1.6rem; color: #fff; }

/* BODY SIDE */
.svc-row-body { padding: 56px 8%; display: flex; flex-direction: column; justify-content: center; gap: 20px; background: #fff; width: 100%; }
.svc-row-alt .svc-row-body { background: var(--light); padding: 56px 8%; }
.svc-row-tag { display: inline-flex; align-items: center; gap: 7px; background: #eff6ff; color: var(--primary); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; padding: 6px 14px; border-radius: 50px; width: fit-content; }
.svc-row-body h2 { font-size: clamp(1.3rem, 2.5vw, 1.8rem); color: var(--primary); line-height: 1.25; margin: 0; }
.svc-row-body > p { font-size: 0.95rem; color: var(--gray); line-height: 1.85; margin: 0; }

/* COVERAGE BOXES */
.svc-row-coverage { display: grid; grid-template-columns: 1fr; gap: 14px; width: 100%; }
.svc-cov-box { border-radius: 12px; padding: 18px 20px; width: 100%; }
.svc-cov-box.green { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.svc-cov-box.red { background: #fff1f2; border: 1.5px solid #fecdd3; }
.svc-cov-title { display: flex; align-items: center; gap: 7px; font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.svc-cov-box.green .svc-cov-title { color: #16a34a; }
.svc-cov-box.red .svc-cov-title { color: #dc2626; }
.svc-cov-box ul { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 7px 16px; }
.svc-cov-box ul li { font-size: 0.86rem; color: var(--dark); padding-left: 16px; position: relative; line-height: 1.5; }
.svc-cov-box.green ul li::before { content: '✓'; position: absolute; left: 0; color: #22c55e; font-weight: 700; }
.svc-cov-box.red ul li::before { content: '✕'; position: absolute; left: 0; color: #ef4444; font-weight: 700; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .svc-row { grid-template-columns: 1fr; min-height: auto; }
  .svc-row-alt .svc-row-img { order: 0; }
  .svc-row-alt .svc-row-body { order: 0; }
  .svc-row-img { min-height: 300px; }
  .svc-row-body { padding: 40px 32px; }
}
@media (max-width: 600px) {
  .svc-row-coverage { grid-template-columns: 1fr; }
  .svc-row-body { padding: 32px 20px; }
  .ins-hero-stats { gap: 24px; }
}

/* ============================================
   INSURANCE PAGE — FULL REDESIGN
   ============================================ */

/* HERO */
.ip-hero { position: relative; min-height: 88vh; display: flex; align-items: center; overflow: hidden; background: #040f1e; }
.ip-hero-bg { position: absolute; inset: 0; background: url('images/services/home-insurance.jpg') center/cover no-repeat; opacity: 0.18; }
.ip-hero::after { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(4,15,30,0.95) 40%, rgba(15,23,42,0.7) 100%); }
.ip-hero-inner { position: relative; z-index: 1; padding: 100px 24px 80px; }
.ip-hero h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 900; line-height: 1.1; margin: 16px 0 20px; }
.ip-hero h1 span { color: var(--accent); }
.ip-hero > .container > p, .ip-hero-inner > p { color: rgba(255,255,255,0.7); font-size: 1.1rem; max-width: 520px; margin-bottom: 40px; }
.ip-hero-pills { display: flex; flex-wrap: wrap; gap: 12px; }
.ip-hero-pills a { display: inline-flex; align-items: center; gap: 8px; padding: 10px 22px; border-radius: 50px; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.85); font-size: 0.88rem; font-weight: 600; transition: all 0.25s ease; backdrop-filter: blur(6px); }
.ip-hero-pills a:hover { background: var(--accent); border-color: var(--accent); color: #fff; transform: translateY(-2px); }
.ip-hero-pills a i { font-size: 0.9rem; }

/* SERVICE ROWS */
.ip-row { display: grid; grid-template-columns: 1fr 1fr; min-height: 600px; width: 100%; }
.ip-row-flip .ip-row-visual { order: 2; }
.ip-row-flip .ip-row-content { order: 1; }

/* VISUAL SIDE */
.ip-row-visual { position: relative; overflow: hidden; }
.ip-row-visual img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.7s ease; }
.ip-row:hover .ip-row-visual img { transform: scale(1.05); }
.ip-row-visual-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(4,15,30,0.88) 0%, rgba(4,15,30,0.2) 60%, transparent 100%); display: flex; flex-direction: column; justify-content: flex-end; padding: 40px; }
.ip-row-num { font-size: 5rem; font-weight: 900; color: rgba(255,255,255,0.06); line-height: 1; margin-bottom: 12px; font-family: 'Segoe UI', sans-serif; }
.ip-row-icon { width: 58px; height: 58px; background: var(--accent); border-radius: 16px; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; box-shadow: 0 8px 24px rgba(59,130,246,0.4); }
.ip-row-icon i { font-size: 1.5rem; color: #fff; }
.ip-row-visual-overlay h3 { color: #fff; font-size: 1.6rem; font-weight: 700; margin: 0; }

/* CONTENT SIDE */
.ip-row-content { padding: 64px 60px; display: flex; flex-direction: column; justify-content: center; gap: 24px; background: #fff; }
.ip-row-dark .ip-row-content { background: #f8fafc; }
.ip-tag { display: inline-flex; align-items: center; gap: 7px; background: #eff6ff; color: var(--primary); font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; padding: 6px 16px; border-radius: 50px; width: fit-content; border: 1px solid #bfdbfe; }
.ip-row-content h2 { font-size: clamp(1.4rem, 2.5vw, 2rem); color: var(--primary); line-height: 1.2; margin: 0; }
.ip-row-content > p { font-size: 0.96rem; color: var(--gray); line-height: 1.85; margin: 0; }

/* COVERAGE */
.ip-coverage { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.ip-cov-col { border-radius: 14px; padding: 20px 22px; }
.ip-cov-col:first-child { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.ip-cov-col:last-child { background: #fff1f2; border: 1.5px solid #fecdd3; }
.ip-cov-head { display: flex; align-items: center; gap: 8px; font-size: 0.75rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 14px; }
.ip-green { color: #16a34a; }
.ip-red { color: #dc2626; }
.ip-cov-list { display: flex; flex-direction: column; gap: 8px; }
.ip-cov-list li { font-size: 0.87rem; color: #1f2937; padding-left: 18px; position: relative; line-height: 1.5; }
.ip-green-list li::before { content: '✓'; position: absolute; left: 0; color: #22c55e; font-weight: 800; }
.ip-red-list li::before { content: '✕'; position: absolute; left: 0; color: #ef4444; font-weight: 800; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .ip-row { grid-template-columns: 1fr; min-height: auto; }
  .ip-row-flip .ip-row-visual { order: 0; }
  .ip-row-flip .ip-row-content { order: 0; }
  .ip-row-visual { min-height: 320px; }
  .ip-row-content { padding: 44px 36px; }
}
@media (max-width: 640px) {
  .ip-coverage { grid-template-columns: 1fr; }
  .ip-row-content { padding: 36px 20px; }
  .ip-hero-pills a span { display: none; }
  .ip-row-visual-overlay { padding: 24px; }
}

/* ===== GLOBAL ANIMATIONS ===== */
.animate-on-scroll { opacity: 0; transform: translateY(30px); transition: opacity 0.6s cubic-bezier(0.25, 0.46, 0.45, 0.94), transform 0.6s cubic-bezier(0.25, 0.46, 0.45, 0.94); }
.animate-on-scroll.is-visible { opacity: 1; transform: translateY(0); }

/* ===== SERVICES QUICK STRIP ===== */
.services-strip { background: #fff; border-bottom: 1px solid #e5e7eb; padding: 0; }
.strip-inner { display: flex; align-items: stretch; justify-content: center; flex-wrap: wrap; }
.strip-item { display: flex; flex-direction: column; align-items: center; gap: 10px; padding: 24px 28px; color: var(--dark); font-weight: 600; font-size: 0.88rem; border-right: 1px solid #e5e7eb; transition: var(--transition); flex: 1; min-width: 120px; text-align: center; }
.strip-item:last-child { border-right: none; }
.strip-item:hover { background: var(--light); color: var(--accent); }
.strip-icon { width: 48px; height: 48px; border-radius: 12px; background: #eff6ff; display: flex; align-items: center; justify-content: center; transition: var(--transition); }
.strip-icon i { font-size: 1.2rem; color: var(--accent); }
.strip-item:hover .strip-icon { background: var(--accent); }
.strip-item:hover .strip-icon i { color: #fff; }

/* ===== SERVICES LIST GRID ===== */
.services-list-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.svc-list-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; overflow: hidden; transition: var(--transition); display: flex; flex-direction: column; }
.svc-list-card:hover { transform: translateY(-6px); background: rgba(255,255,255,0.1); border-color: var(--accent); }
.svc-list-img { height: 180px; overflow: hidden; }
.svc-list-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.svc-list-card:hover .svc-list-img img { transform: scale(1.06); }
.svc-list-body { padding: 24px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.svc-list-icon { width: 44px; height: 44px; background: var(--accent); border-radius: 10px; display: flex; align-items: center; justify-content: center; }
.svc-list-icon i { font-size: 1.1rem; color: #fff; }
.svc-list-body h3 { color: #fff; font-size: 1.1rem; margin: 0; }
.svc-list-body p { color: rgba(255,255,255,0.65); font-size: 0.88rem; line-height: 1.7; margin: 0; flex: 1; }
.svc-list-link { color: var(--accent); font-size: 0.88rem; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; margin-top: 4px; }
.svc-list-card:hover .svc-list-link { gap: 10px; }

@media (max-width: 1024px) { .services-list-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) {
  .services-list-grid { grid-template-columns: 1fr; }
  .strip-item { padding: 18px 12px; font-size: 0.78rem; min-width: 80px; }
  .strip-icon { width: 40px; height: 40px; }
}

/* ===== INSURANCE PAGE HERO ===== */
.ins-page-hero { background: linear-gradient(135deg, #040f1e 0%, #0f172a 60%, #1e293b 100%); padding: 80px 0 60px; text-align: center; position: relative; overflow: hidden; }
.ins-page-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 60% 0%, rgba(59,130,246,0.12) 0%, transparent 70%); pointer-events: none; }
.ins-page-hero .breadcrumb { position: relative; z-index: 1; justify-content: center; margin-bottom: 20px; }
.ins-page-hero h1 { color: #fff; position: relative; z-index: 1; margin-bottom: 14px; }
.ins-page-hero h1 span { color: var(--accent); }
.ins-page-hero > .container > p { color: rgba(255,255,255,0.7); font-size: 1.05rem; max-width: 500px; margin: 0 auto 36px; position: relative; z-index: 1; }

/* NAV PILLS */
.ins-nav-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; position: relative; z-index: 1; }
.ins-pill { display: inline-flex; align-items: center; gap: 7px; padding: 10px 22px; border-radius: 50px; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.85); font-size: 0.88rem; font-weight: 600; transition: all 0.25s ease; backdrop-filter: blur(6px); }
.ins-pill:hover { background: var(--accent); border-color: var(--accent); color: #fff; transform: translateY(-2px); }
.ins-pill i { font-size: 0.9rem; }

@media (max-width: 600px) {
  .ins-nav-pills { gap: 8px; }
  .ins-pill { padding: 8px 16px; font-size: 0.82rem; }
}

/* ===== FOOTER CONTACT LIST ===== */
.footer-contact-list { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.footer-contact-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.88rem; color: rgba(255,255,255,0.7); line-height: 1.5; }
.footer-contact-list li i { color: var(--accent); font-size: 0.9rem; margin-top: 3px; flex-shrink: 0; }
.footer-contact-list li a { color: rgba(255,255,255,0.7); transition: color 0.3s; }
.footer-contact-list li a:hover { color: var(--accent); }