/* ============================================================
   Carningham Insurance Brokers — shared design system
   Used by every page (index, insurance, products, about,
   claims, partners, faq, contact).
   ============================================================ */

/* ─── TOKENS ─── */
:root{
  --blue:     #1B3F8B;
  --blue-d:   #132d6b;
  --blue-l:   #2563EB;
  --blue-soft:#EEF3FC;
  --blue-mid: #DBEAFE;
  --gold:     #C9930A;
  --accent:   #1B3F8B;
  --white:    #FFFFFF;
  --off-white:#F8FAFF;
  --gray-50:  #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-600: #4B5563;
  --gray-800: #1F2937;
  --text:     #1a2744;
  --muted:    #4B5563;
  --radius:   14px;
  --shadow-sm:0 1px 4px rgba(27,63,139,.08);
  --shadow:   0 4px 20px rgba(27,63,139,.12);
  --shadow-lg:0 12px 48px rgba(27,63,139,.18);
  --ease:     cubic-bezier(.16,.84,.44,1);
  --maxw:     1240px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%;}
html,body{max-width:100%;overflow-x:hidden;}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--white);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;}
h1,h2,h3,h4,h5{font-family:'Montserrat','Inter',sans-serif;line-height:1.15;}
a{color:inherit;text-decoration:none;}
img{display:block;max-width:100%;}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px;}

/* ─── BUTTONS ─── */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:'Montserrat','Inter',sans-serif;font-weight:700;border-radius:10px;transition:all .22s var(--ease);white-space:nowrap;letter-spacing:.01em;}
.btn-primary{background:var(--blue);color:#fff;padding:14px 28px;font-size:.95rem;box-shadow:0 4px 16px rgba(27,63,139,.32);}
.btn-primary:hover{background:var(--blue-d);transform:translateY(-2px);box-shadow:0 8px 24px rgba(27,63,139,.38);}
.btn-outline{background:transparent;color:var(--blue);padding:13px 26px;font-size:.92rem;border:2px solid var(--blue);}
.btn-outline:hover{background:var(--blue);color:#fff;transform:translateY(-2px);}
.btn-white{background:#fff;color:var(--blue);padding:14px 28px;font-size:.95rem;box-shadow:0 4px 16px rgba(0,0,0,.14);}
.btn-white:hover{background:var(--blue-soft);transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.18);}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;padding:13px 24px;font-size:.9rem;border:1.5px solid rgba(255,255,255,.3);backdrop-filter:blur(8px);}
.btn-ghost:hover{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.5);}
.btn svg{width:17px;height:17px;flex-shrink:0;}
.btn-sm{padding:10px 20px;font-size:.85rem;}

/* ─── NAV ─── */
.nav{position:fixed;inset:0 0 auto 0;z-index:200;transition:background .3s var(--ease),box-shadow .3s;}
.nav.top{background:transparent;}
.nav.scrolled{background:rgba(255,255,255,.97);backdrop-filter:blur(14px);box-shadow:0 2px 20px rgba(27,63,139,.1);}
/* On interior pages the nav is solid from the start */
.nav.solid{background:rgba(255,255,255,.97);backdrop-filter:blur(14px);box-shadow:0 2px 20px rgba(27,63,139,.1);}
.nav-inner{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:82px;padding:0 28px;}

/* Floating, borderless logo (no badge / no circle) */
.brand{display:flex;align-items:center;gap:13px;}
.brand-badge{width:60px;height:60px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.brand-badge img{width:60px;height:60px;object-fit:contain;
  /* lift the mark off any background so it reads on light or dark */
  filter:drop-shadow(0 2px 6px rgba(0,0,0,.18));}
.brand-text{display:flex;flex-direction:column;}
.brand-name{font-family:'Montserrat',sans-serif;font-size:1.12rem;font-weight:800;color:var(--blue);letter-spacing:-.01em;}
.brand-sub{font-size:.63rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);}
.nav.top .brand-name,.nav.top .brand-sub{color:#fff;}
.nav.top .brand-badge img{filter:drop-shadow(0 2px 8px rgba(0,0,0,.45));}

.nav-links{display:flex;align-items:center;gap:2px;list-style:none;}
.nav-links>li>a{padding:8px 13px;border-radius:8px;font-size:.88rem;font-weight:600;color:var(--text);transition:color .2s,background .2s;}
.nav.top .nav-links>li>a{color:rgba(255,255,255,.92);}
.nav-links>li>a:hover{color:var(--blue);background:var(--blue-soft);}
.nav.top .nav-links>li>a:hover{color:#fff;background:rgba(255,255,255,.15);}
.nav-links>li>a.active{color:var(--blue);background:var(--blue-soft);}
.nav.top .nav-links>li>a.active{color:#fff;background:rgba(255,255,255,.18);}

.nav-item{position:relative;}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{opacity:1;pointer-events:auto;transform:translateY(0);}
.dropdown{position:absolute;top:calc(100% + 10px);left:0;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:8px 0;min-width:230px;opacity:0;pointer-events:none;transform:translateY(-8px);transition:opacity .22s var(--ease),transform .22s var(--ease);box-shadow:var(--shadow-lg);}
.dropdown a{display:flex;align-items:center;gap:10px;padding:11px 18px;font-size:.87rem;font-weight:500;color:var(--muted);}
.dropdown a:hover{color:var(--blue);background:var(--blue-soft);}
.dropdown a svg{width:16px;height:16px;flex-shrink:0;color:var(--blue);}
.dropdown-divider{height:1px;background:var(--gray-200);margin:6px 0;}

.menu-btn{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;background:transparent;padding:6px;}
.menu-btn span{display:block;height:2px;background:var(--blue);border-radius:2px;transition:background .2s;}
.nav.top .menu-btn span{background:#fff;}

/* ─── HERO CAROUSEL ─── */
.hero{position:relative;min-height:100vh;overflow:hidden;}
.slide{position:absolute;inset:0;background-size:cover;background-position:center;opacity:0;transition:opacity 1s var(--ease);display:flex;align-items:center;}
.slide.active{opacity:1;}
.slide::before{content:'';position:absolute;inset:0;background:linear-gradient(110deg,rgba(10,22,60,.92) 0%,rgba(14,30,75,.8) 45%,rgba(14,30,75,.3) 100%);}
.slide-content{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:0 28px;padding-top:96px;width:100%;}
.slide-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.35);border-radius:100px;padding:7px 18px;font-size:.76rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:22px;backdrop-filter:blur(6px);}
.slide-h1{font-size:clamp(2.2rem,4.8vw,3.8rem);font-weight:900;color:#fff;max-width:680px;margin-bottom:18px;letter-spacing:-.025em;}
.slide-h1 em{color:#93C5FD;font-style:normal;}
.slide-p{max-width:520px;font-size:1.05rem;color:rgba(255,255,255,.85);margin-bottom:36px;line-height:1.7;}
.slide-btns{display:flex;gap:14px;flex-wrap:wrap;}
.carousel-dots{position:absolute;bottom:32px;left:50%;transform:translateX(-50%);display:flex;gap:10px;z-index:10;}
.dot{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.35);border:none;cursor:pointer;transition:background .2s,transform .2s;}
.dot.active{background:#fff;transform:scale(1.35);}
.carousel-arr{position:absolute;top:50%;z-index:10;transform:translateY(-50%);width:48px;height:48px;background:rgba(255,255,255,.12);border:1.5px solid rgba(255,255,255,.3);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:1.2rem;transition:background .2s,border-color .2s;backdrop-filter:blur(6px);}
.carousel-arr:hover{background:rgba(255,255,255,.25);border-color:rgba(255,255,255,.6);}
.carousel-arr.prev{left:22px;}
.carousel-arr.next{right:22px;}

/* ─── PAGE HERO (interior pages) ─── */
.page-hero{position:relative;padding:150px 0 64px;background:linear-gradient(115deg,var(--blue-d) 0%,var(--blue) 60%,#254a9c 100%);color:#fff;overflow:hidden;}
.page-hero::after{content:'';position:absolute;right:-80px;top:-80px;width:320px;height:320px;background:radial-gradient(circle,rgba(255,255,255,.08),transparent 70%);pointer-events:none;}
.page-hero .crumbs{font-size:.8rem;font-weight:600;letter-spacing:.04em;color:rgba(255,255,255,.7);margin-bottom:14px;}
.page-hero .crumbs a:hover{color:#fff;text-decoration:underline;}
.page-hero h1{font-size:clamp(2rem,4vw,3.1rem);font-weight:900;letter-spacing:-.02em;margin-bottom:14px;max-width:760px;}
.page-hero p{font-size:1.08rem;color:rgba(255,255,255,.85);max-width:640px;}

/* ─── TRUST BAR (static, never overlaps carousel) ─── */
.trust-bar{background:var(--blue);padding:0 28px;position:relative;z-index:5;}
.trust-inner{max-width:var(--maxw);margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;min-height:64px;}
.trust-item{display:flex;align-items:center;gap:10px;padding:14px 28px;border-right:1px solid rgba(255,255,255,.15);font-size:.85rem;font-weight:600;color:rgba(255,255,255,.92);}
.trust-item:last-child{border-right:none;}
.trust-item svg{width:18px;height:18px;color:#93C5FD;flex-shrink:0;}

/* ─── SECTIONS ─── */
section{padding:clamp(72px,8vw,108px) 0;}
.section-label{font-size:.72rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--blue);margin-bottom:12px;display:block;}
.section-h2{font-size:clamp(1.8rem,3vw,2.6rem);font-weight:800;margin-bottom:16px;color:var(--text);}
.section-lead{color:var(--muted);font-size:1.02rem;max-width:580px;line-height:1.7;}
.section-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:48px;flex-wrap:wrap;}
.section-head-center{text-align:center;max-width:680px;margin:0 auto 52px;}
.section-head-center .section-lead{margin-inline:auto;}

/* ─── SHORT-TERM vs LONG-TERM ─── */
.terms{background:var(--off-white);}
.terms-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
.term-card{position:relative;border-radius:var(--radius);overflow:hidden;border:1.5px solid var(--gray-200);background:#fff;box-shadow:var(--shadow-sm);transition:transform .28s var(--ease),box-shadow .28s,border-color .28s;display:flex;flex-direction:column;}
.term-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.term-head{padding:30px 30px 22px;color:#fff;position:relative;overflow:hidden;}
.term-card.short .term-head{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-l) 100%);}
.term-card.long  .term-head{background:linear-gradient(135deg,var(--blue-d) 0%,#3a2d8b 100%);}
.term-head::after{content:'';position:absolute;right:-30px;top:-30px;width:130px;height:130px;background:rgba(255,255,255,.08);border-radius:50%;}
.term-icon{width:52px;height:52px;border-radius:13px;background:rgba(255,255,255,.16);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.term-icon svg{width:26px;height:26px;color:#fff;}
.term-head h3{font-size:1.35rem;font-weight:800;margin-bottom:6px;}
.term-head .term-sub{font-size:.82rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.8);}
.term-body{padding:24px 30px 28px;flex:1;display:flex;flex-direction:column;}
.term-body>p{color:var(--muted);font-size:.92rem;margin-bottom:18px;}
.term-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:9px 16px;margin-bottom:22px;flex:1;}
.term-list li{display:flex;align-items:flex-start;gap:8px;font-size:.85rem;color:var(--text);}
.term-list li svg{width:15px;height:15px;color:var(--blue-l);flex-shrink:0;margin-top:3px;}
.term-note{font-size:.8rem;color:var(--gray-600);background:var(--blue-soft);border-radius:10px;padding:12px 16px;margin-bottom:20px;}

/* ─── INSURANCE CARDS ─── */
.services{background:#fff;}
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.ins-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:var(--radius);overflow:hidden;cursor:pointer;transition:transform .28s var(--ease),box-shadow .28s,border-color .28s;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;}
.ins-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.ins-card.open{border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,63,139,.1),var(--shadow-lg);}
.ins-scene{height:170px;position:relative;overflow:hidden;flex:none;background:var(--blue-soft);}
.ins-scene img{width:100%;height:100%;object-fit:cover;display:block;}
.ins-body{padding:22px 24px 18px;flex:1;display:flex;flex-direction:column;}
.ins-body h3{font-size:1.04rem;font-weight:700;margin-bottom:7px;color:var(--text);}
.ins-body p{color:var(--muted);font-size:.875rem;line-height:1.65;flex:1;margin:0 0 16px;}
.ins-toggle{display:flex;align-items:center;gap:7px;font-size:.82rem;font-weight:700;color:var(--blue);padding:0;transition:gap .2s;}
.ins-toggle svg{width:15px;height:15px;transition:transform .3s var(--ease);flex:none;}
.ins-card.open .ins-toggle svg{transform:rotate(90deg);}
.ins-detail{max-height:0;overflow:hidden;transition:max-height .38s var(--ease);background:var(--blue-soft);border-top:1px solid transparent;}
.ins-card.open .ins-detail{max-height:440px;border-top-color:var(--blue-mid);}
.ins-card.open .ins-detail.tall{max-height:560px;}
.ins-detail-inner{padding:18px 24px 20px;}
.ins-covers{list-style:none;margin:0 0 16px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px 12px;}
.ins-covers li{display:flex;align-items:center;gap:8px;font-size:.82rem;color:var(--muted);}
.ins-covers li::before{content:'';width:7px;height:7px;border-radius:50%;flex:none;background:var(--blue);}
.ins-subtags{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:16px;}
.ins-subtag{font-size:.76rem;font-weight:600;color:var(--blue);background:var(--blue-mid);border:1.3px solid var(--blue);border-radius:999px;padding:5px 13px;transition:background .2s,color .2s;}
.ins-subtag:hover{background:var(--blue);color:#fff;}
.ins-cta-row{display:flex;justify-content:flex-end;}

/* ─── PRODUCTS / BUNDLES ─── */
.products{background:var(--off-white);}
.prod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.stats .section-label{color:#93C5FD;}
.stats .section-h2{color:#fff;}
.stats-row{display:flex;flex-wrap:wrap;justify-content:center;gap:48px;margin-top:48px;}
.stat{text-align:center;}
.stat-num{font-family:'Montserrat',sans-serif;font-size:3rem;font-weight:900;color:#fff;line-height:1;margin-bottom:6px;}
.stat-label{font-size:.84rem;color:rgba(255,255,255,.78);font-weight:600;}

/* ─── PARTNER TICKER ─── */
.partners{background:var(--gray-50);padding:52px 0;overflow:hidden;}
.partners-head{text-align:center;padding:0 28px;margin-bottom:36px;}
.ticker-wrap{overflow:hidden;}
.ticker-track{display:flex;gap:20px;align-items:center;width:max-content;animation:tickerScroll 42s linear infinite;}
.ticker-track:hover{animation-play-state:paused;}
@keyframes tickerScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.partner-tile{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;background:#fff;border:1.5px solid var(--gray-200);border-radius:12px;padding:14px 24px;min-width:180px;height:96px;transition:background .2s,border-color .2s,box-shadow .2s;box-shadow:var(--shadow-sm);}
.partner-tile:hover{border-color:var(--blue);box-shadow:var(--shadow);background:var(--blue-soft);}
.partner-tile img{max-height:44px;max-width:150px;width:auto;object-fit:contain;}
.partner-tile .plabel{font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gray-400);white-space:nowrap;text-align:center;}
.partner-tile:hover .plabel{color:var(--blue);}

/* ─── PARTNER WALL (partners page) ─── */
.partner-wall{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:20px;}
.pw-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:var(--radius);padding:26px 24px;box-shadow:var(--shadow-sm);transition:transform .25s var(--ease),box-shadow .25s,border-color .25s;display:flex;flex-direction:column;gap:14px;}
.pw-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.pw-logo{height:64px;display:flex;align-items:center;justify-content:flex-start;}
.pw-logo img{max-height:56px;max-width:180px;width:auto;object-fit:contain;}
.pw-badge{display:inline-flex;align-self:flex-start;font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 11px;border-radius:999px;}
.pw-badge.short{background:var(--blue-mid);color:var(--blue-d);}
.pw-badge.long{background:#EDE9FE;color:#5b21b6;}
.pw-badge.both{background:#DCFCE7;color:#166534;}
.pw-card h3{font-size:1.06rem;font-weight:700;color:var(--text);}
.pw-card p{font-size:.86rem;color:var(--muted);margin:0;}

/* ─── WHY US ─── */
.why{background:#fff;}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:48px;}
.why-card{background:var(--off-white);border:1.5px solid var(--gray-200);border-radius:var(--radius);padding:30px;display:flex;gap:18px;align-items:flex-start;transition:border-color .2s,box-shadow .2s;}
.why-card:hover{border-color:var(--blue);box-shadow:var(--shadow);}
.why-icon{width:48px;height:48px;background:var(--blue-soft);border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.why-icon svg{width:22px;height:22px;color:var(--blue);}
.why-body h3{font-size:1rem;font-weight:700;margin-bottom:6px;color:var(--text);}
.why-body p{font-size:.87rem;color:var(--muted);line-height:1.65;}

/* ─── PROSE / CONTENT (detail pages) ─── */
.prose{max-width:820px;}
.prose h2{font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:800;color:var(--text);margin:0 0 16px;}
.prose h3{font-size:1.25rem;font-weight:700;color:var(--blue-d);margin:34px 0 10px;}
.prose p{color:var(--muted);margin-bottom:16px;}
.prose ul{margin:0 0 20px;padding-left:0;list-style:none;display:grid;gap:10px;}
.prose ul li{display:flex;gap:11px;align-items:flex-start;color:var(--text);font-size:.94rem;}
.prose ul li svg{width:19px;height:19px;color:var(--blue-l);flex-shrink:0;margin-top:3px;}
.prose strong{color:var(--text);font-weight:700;}

/* Feature blocks used on detail pages */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch;}
.feature-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);transition:transform .25s var(--ease),box-shadow .25s,border-color .25s;display:flex;flex-direction:column;height:100%;overflow:hidden;}
.feature-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.feature-visual{width:calc(100% + 56px);margin:-28px -28px 18px;height:128px;background:linear-gradient(135deg,var(--blue-soft) 0%,var(--blue-mid) 100%);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.feature-visual svg{width:100%;height:100%;}
.feature-icon{position:relative;width:64px;height:64px;border-radius:16px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-l) 100%);display:flex;align-items:center;justify-content:center;margin-bottom:18px;box-shadow:0 8px 18px -6px rgba(27,63,139,.45);flex-shrink:0;}
.feature-icon::after{content:'';position:absolute;right:-10px;top:-10px;width:34px;height:34px;background:rgba(255,255,255,.14);border-radius:50%;}
.feature-icon svg{width:30px;height:30px;color:#fff;position:relative;z-index:1;}
.feature-card h3{font-size:1.06rem;font-weight:700;margin-bottom:8px;color:var(--text);}
.feature-card p{font-size:.88rem;color:var(--muted);margin:0;}
.ins-quote-link{margin-top:16px;padding-top:14px;border-top:1px solid var(--gray-100);display:inline-flex;align-items:center;gap:6px;font-size:.83rem;font-weight:700;color:var(--blue);}
.ins-quote-link svg{width:14px;height:14px;transition:transform .2s;}
.ins-quote-link:hover{color:var(--blue-d);}
.ins-quote-link:hover svg{transform:translateX(3px);}

.premium-card{height:100%;cursor:pointer;perspective:1600px;}
.premium-card .premium-card-inner{position:relative;width:100%;height:100%;min-height:420px;transform-style:preserve-3d;transition:transform .6s cubic-bezier(.16,.84,.44,1);}
.premium-card.is-flipped .premium-card-inner{transform:rotateY(180deg);} 
.premium-card-front,.premium-card-back{position:absolute;inset:0;border-radius:24px;overflow:hidden;backface-visibility:hidden;box-shadow:0 16px 42px rgba(27,63,139,.16);}
.premium-card-front{background:#fff;}
.premium-card-back{transform:rotateY(180deg);background:linear-gradient(135deg,var(--blue) 0%,var(--blue-l) 100%);color:#fff;padding:28px;display:flex;align-items:center;justify-content:center;}
.premium-card-back::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right,rgba(255,255,255,.18),transparent 38%);pointer-events:none;}
.premium-back-inner{position:relative;z-index:1;display:flex;flex-direction:column;gap:14px;}
.premium-back-inner h3{font-size:1.2rem;font-weight:800;color:#fff;}
.premium-back-inner p{font-size:.94rem;line-height:1.7;color:rgba(255,255,255,.92);} 
.premium-request-btn{display:inline-flex;align-self:flex-start;align-items:center;gap:8px;padding:11px 18px;border-radius:999px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.24);color:#fff;font-size:.82rem;font-weight:700;transition:background .2s,transform .2s;}
.premium-request-btn:hover{background:rgba(255,255,255,.24);transform:translateY(-2px);} 
.premium-media{position:relative;width:100%;height:100%;min-height:420px;background-size:cover;background-position:center;transition:transform .7s cubic-bezier(.16,.84,.44,1);}
.premium-media::before{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,16,38,.06) 0%,rgba(7,16,38,.24) 55%,rgba(7,16,38,.7) 100%);} 
.premium-ribbon{position:absolute;top:18px;right:-6px;display:inline-flex;align-items:center;justify-content:center;padding:11px 20px 11px 16px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-l) 100%);color:#fff;font-size:.9rem;font-weight:800;letter-spacing:.02em;border-radius:999px 0 0 999px;box-shadow:0 10px 26px rgba(27,63,139,.28);z-index:2;}
.premium-quote-btn{position:absolute;right:18px;bottom:18px;z-index:2;display:inline-flex;align-items:center;justify-content:center;padding:10px 16px;border-radius:999px;background:#fff;color:var(--blue);font-size:.84rem;font-weight:800;box-shadow:0 12px 28px rgba(0,0,0,.22);transition:transform .2s,box-shadow .2s;}
.premium-quote-btn:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(0,0,0,.26);} 
.premium-card:hover{transform:translateY(-8px);} 
.premium-card:hover .premium-media{transform:scale(1.05);} 
.premium-card:hover .premium-card-front,.premium-card:hover .premium-card-back{box-shadow:0 20px 56px rgba(27,63,139,.22);}

.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,72px);align-items:center;}
.split img{border-radius:var(--radius);box-shadow:var(--shadow-lg);width:100%;object-fit:cover;aspect-ratio:4/3;}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--blue-d),var(--blue));color:#fff;text-align:center;}
.cta-band h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800;margin-bottom:14px;}
.cta-band p{color:rgba(255,255,255,.85);max-width:560px;margin:0 auto 28px;}
.cta-band .btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* ─── STEPS (claims) ─── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:48px;}
.step{text-align:center;position:relative;}
.step-num{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#fff;border:2px solid var(--blue);color:var(--blue);font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.3rem;box-shadow:var(--shadow-sm);}
.step h3{font-size:1.05rem;margin-bottom:6px;}
.step p{color:var(--muted);font-size:.9rem;margin:0;}
.claim-tabs{display:flex;justify-content:center;gap:10px;margin-bottom:36px;flex-wrap:wrap;}
.claim-tab{border:1.5px solid var(--gray-200);background:#fff;color:var(--muted);font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9rem;padding:11px 24px;border-radius:999px;transition:all .2s;}
.claim-tab:hover{border-color:var(--blue);color:var(--blue);}
.claim-tab.active{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 6px 18px rgba(27,63,139,.28);}
.claim-panel{display:none;grid-template-columns:repeat(3,1fr);gap:20px;}
.claim-panel.active{display:grid;}

/* ─── FAQ ACCORDION ─── */
.faq-wrap{max-width:840px;margin:0 auto;display:flex;flex-direction:column;gap:12px;}
.faq-item{border:1.5px solid var(--gray-200);border-radius:var(--radius);background:#fff;overflow:hidden;transition:border-color .2s,box-shadow .2s;}
.faq-item.open{border-color:var(--blue);box-shadow:var(--shadow);}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;text-align:left;padding:20px 24px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:1rem;color:var(--text);}
.faq-q svg{width:20px;height:20px;color:var(--blue);flex-shrink:0;transition:transform .3s var(--ease);}
.faq-item.open .faq-q svg{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease);}
.faq-a-inner{padding:0 24px 22px;color:var(--muted);font-size:.92rem;line-height:1.7;}
.faq-cats{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;margin-bottom:36px;}

/* ─── CONTACT / FORM ─── */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(36px,5vw,64px);align-items:start;}
.contact-info .ci-row{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px;}
.contact-info .ci-row svg{width:22px;height:22px;color:var(--blue);flex-shrink:0;margin-top:3px;}
.contact-info .ci-row h4{font-size:.95rem;font-weight:700;margin-bottom:3px;color:var(--text);}
.contact-info .ci-row p,.contact-info .ci-row a{font-size:.9rem;color:var(--muted);margin:0;}
.contact-info .ci-row a:hover{color:var(--blue);}
.form-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:var(--radius);padding:clamp(26px,3vw,40px);box-shadow:var(--shadow);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.field{margin-bottom:16px;}
.field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:7px;color:var(--text);}
.field label .req{color:var(--blue);}
.field input,.field select,.field textarea{width:100%;font-family:inherit;font-size:.96rem;color:var(--text);padding:12px 14px;border-radius:10px;border:1.5px solid var(--gray-200);background:var(--gray-50);transition:border-color .2s,box-shadow .2s;}
.field textarea{resize:vertical;min-height:120px;}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,63,139,.12);background:#fff;}
.form-note{font-size:.8rem;color:var(--muted);margin-top:8px;}
.form-status{margin-top:14px;padding:12px 16px;border-radius:10px;font-size:.92rem;font-weight:500;display:none;}
.form-status.show{display:block;}
.form-status.ok{background:rgba(22,163,74,.1);color:#15803d;border:1px solid rgba(22,163,74,.3);}
.form-status.err{background:rgba(220,38,38,.08);color:#dc2626;border:1px solid rgba(220,38,38,.3);}
.map-embed{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);border:1.5px solid var(--gray-200);margin-top:26px;}
.map-embed iframe{display:block;width:100%;height:280px;border:0;}

/* ─── FOOTER ─── */
.footer{background:var(--blue-d);padding:72px 0 32px;}
.footer .brand-name,.footer-brand-name{font-family:'Montserrat',sans-serif;font-size:1.08rem;font-weight:800;color:#fff;}
.footer .brand-sub,.footer-brand-sub{font-size:.62rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.55);}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:44px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.12);}
.footer h4{font-size:.72rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:18px;}
.footer ul{list-style:none;display:flex;flex-direction:column;gap:11px;}
.footer ul a{font-size:.88rem;color:rgba(255,255,255,.7);transition:color .2s;}
.footer ul a:hover{color:#fff;}
.footer p{font-size:.88rem;color:rgba(255,255,255,.68);line-height:1.65;margin-bottom:12px;}
.footer .brand{margin-bottom:16px;}
.footer .brand-badge img{filter:drop-shadow(0 2px 8px rgba(0,0,0,.4));}
.contact-row{display:flex;gap:11px;align-items:flex-start;margin-bottom:13px;}
.contact-row svg{width:17px;height:17px;color:#93C5FD;flex-shrink:0;margin-top:3px;}
.contact-row span{font-size:.87rem;color:rgba(255,255,255,.78);}
.contact-row a{color:rgba(255,255,255,.78);}
.contact-row a:hover{color:#fff;}
.footer-bottom{padding-top:24px;display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;font-size:.81rem;color:rgba(255,255,255,.45);}
.socials{display:flex;gap:10px;margin-top:18px;}
.socials a{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:#fff;transition:background .2s;}
.socials a:hover{background:rgba(255,255,255,.25);}
.socials svg{width:18px;height:18px;}

/* ─── WHATSAPP FLOAT ─── */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:300;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 22px rgba(37,211,102,.5);animation:waPulse 2.8s infinite;transition:transform .2s;}
.wa-float:hover{transform:scale(1.08);}
.wa-float svg{width:28px;height:28px;}
@keyframes waPulse{0%{box-shadow:0 6px 22px rgba(37,211,102,.5),0 0 0 0 rgba(37,211,102,.4)}70%{box-shadow:0 6px 22px rgba(37,211,102,.5),0 0 0 14px rgba(37,211,102,0)}100%{box-shadow:0 6px 22px rgba(37,211,102,.5),0 0 0 0 rgba(37,211,102,0)}}

/* ─── REVEAL ─── */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease);}
.reveal.in{opacity:1;transform:none;}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}.d4{transition-delay:.32s}

/* ─── RESPONSIVE ─── */
@media(max-width:980px){
  .ins-grid,.prod-grid,.feature-grid{grid-template-columns:repeat(2,1fr)}
  .terms-grid,.why-grid,.split,.contact-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .claim-panel.active{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:36px}
}
@media(max-width:680px){
  .container{padding:0 20px;}
  .nav-inner{height:72px;padding:0 18px;}
  .brand-badge,.brand-badge img{width:46px;height:46px;}
  .brand-name{font-size:1rem;}
  .brand-sub{font-size:.58rem;}
  .nav-links{position:fixed;inset:72px 12px auto 12px;flex-direction:column;align-items:stretch;gap:4px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:12px;box-shadow:var(--shadow-lg);transform:scale(.97) translateY(-8px);opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;max-height:calc(100vh - 96px);overflow-y:auto;}
  .nav-links.open{opacity:1;transform:none;pointer-events:auto;}
  .nav-links>li>a{color:var(--text)!important;padding:13px 14px;font-size:.95rem;}
  .nav-links .dropdown{position:static;opacity:1;pointer-events:auto;transform:none;box-shadow:none;border:none;padding:0 0 0 14px;min-width:0;}
  .menu-btn{display:flex;}
  .ins-grid,.prod-grid,.feature-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .trust-item{border-right:none;padding:8px 16px}
  .stats-row{gap:28px}
  .slide-btns{flex-direction:column;align-items:flex-start}
  .slide-btns .btn{width:100%;justify-content:center;}
  .claim-panel.active,.steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .term-list{grid-template-columns:1fr}
  .page-hero{padding:120px 0 48px;}
  .hero{min-height:100svh;}
  .slide-content{padding-top:80px;}
  section{padding:56px 0;}
  .footer{padding:52px 0 24px;}
  .cta-band .btns{flex-direction:column;align-items:stretch;}
  .cta-band .btns .btn{justify-content:center;}
}
@media(max-width:480px){
  .container{padding:0 16px;}
  .section-h2{font-size:1.55rem;}
  .term-head,.term-body{padding-left:22px;padding-right:22px;}
  .ins-covers,.term-list{grid-template-columns:1fr!important;}
  .stats-row{gap:20px;justify-content:space-between;}
  .stat-num{font-size:2.2rem;}
  .partner-tile{min-width:150px;height:80px;padding:10px 16px;}
  .carousel-arr{width:38px;height:38px;font-size:1rem;}
  .carousel-arr.prev{left:10px;}
  .carousel-arr.next{right:10px;}
  .wa-float{width:50px;height:50px;right:14px;bottom:14px;}
  .wa-float svg{width:24px;height:24px;}
  .form-card{padding:20px;}
  .pw-card,.feature-card,.why-card{padding:20px;}
  .partner-wall{grid-template-columns:1fr 1fr;gap:14px;}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important;}
  .reveal{opacity:1;transform:none;}
  .ticker-track{animation:none;}
}