/* ============================================================
   HAMARKOH INSURANCE AGENCY - Main Stylesheet
   Brand: Navy Blue #0A1F44 + Gold #EFBF04
   ============================================================ */

/* ---- CSS Variables ---- */
:root {
  --navy:       #0A1F44;
  --navy-dark:  #061430;
  --navy-mid:   #122a5e;
  --gold:       #EFBF04;
  --gold-light: #F5D84A;
  --gold-dark:  #C49A02;
  --white:      #FFFFFF;
  --light-gray: #F5F7FA;
  --mid-gray:   #E2E6EE;
  --text-dark:  #1A2B4A;
  --text-body:  #3D4F6A;
  --text-light: #6B7FA0;
  --shadow-sm:  0 2px 8px rgba(10,31,68,0.08);
  --shadow-md:  0 4px 20px rgba(10,31,68,0.12);
  --shadow-lg:  0 8px 40px rgba(10,31,68,0.18);
  --radius:     8px;
  --radius-lg:  16px;
  --transition: 0.3s ease;
  --font-head:  'Playfair Display', Georgia, serif;
  --font-body:  'Source Sans 3', 'Helvetica Neue', sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: color var(--transition); }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font-body); }

/* ---- Typography ---- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  color: var(--text-dark);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p  { margin-bottom: 1rem; }
.gold-text { color: var(--gold); }
.navy-text { color: var(--navy); }
.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.section-title {
  font-family: var(--font-head);
  color: var(--navy);
  margin-bottom: 1rem;
}
.section-subtitle {
  color: var(--text-body);
  font-size: 1.05rem;
  max-width: 600px;
}
.divider-gold {
  width: 56px;
  height: 3px;
  background: var(--gold);
  margin: 1rem 0 2rem;
}
.text-center { text-align: center; }
.text-center .divider-gold { margin-left: auto; margin-right: auto; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* ---- Layout ---- */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 90px 0; }
.section-light { background: var(--light-gray); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy .section-title { color: var(--white); }
.section-navy .section-subtitle { color: rgba(255,255,255,0.78); }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(239,191,4,0.35);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 9px 20px; font-size: 0.83rem; }

/* ============================================================
   NAVIGATION
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(6,20,48,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(239,191,4,0.2);
  transition: all var(--transition);
}
#navbar.scrolled {
  background: rgba(6,20,48,0.98);
  box-shadow: 0 4px 24px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: 16px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.nav-logo .logo-mark {
  width: 44px;
  height: 44px;
  background: var(--gold);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy-dark);
}
.nav-logo .logo-text {
  line-height: 1.1;
}
.nav-logo .logo-text .brand { font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; color: var(--white); }
.nav-logo .logo-text .tagline { font-size: 0.65rem; color: var(--gold); letter-spacing: 0.08em; }
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}
.nav-menu a {
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  padding: 8px 12px;
  border-radius: 4px;
  position: relative;
  white-space: nowrap;
  transition: all var(--transition);
}
.nav-menu a:hover, .nav-menu a.active {
  color: var(--gold);
  background: rgba(239,191,4,0.08);
}
.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav-search {
  position: relative;
}
.nav-search input {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 4px;
  padding: 7px 32px 7px 12px;
  color: var(--white);
  font-size: 0.82rem;
  width: 180px;
  outline: none;
  transition: all var(--transition);
}
.nav-search input::placeholder { color: rgba(255,255,255,0.4); }
.nav-search input:focus { border-color: var(--gold); background: rgba(239,191,4,0.08); width: 220px; }
.nav-search-btn {
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: rgba(255,255,255,0.5);
  font-size: 0.8rem;
  padding: 0;
}
.nav-wa-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  background: #25D366;
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: 4px;
  border: none;
  transition: all var(--transition);
}
.nav-wa-btn:hover { background: #1ebe5d; transform: translateY(-1px); }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: all var(--transition);
  border-radius: 2px;
}
/* Search dropdown */
#search-results {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  right: 0;
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  z-index: 200;
  display: none;
  max-height: 320px;
  overflow-y: auto;
}
#search-results.show { display: block; }
.search-result-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  cursor: pointer;
  border-bottom: 1px solid var(--mid-gray);
  transition: background var(--transition);
}
.search-result-item:hover { background: var(--light-gray); }
.search-result-item:last-child { border-bottom: none; }
.search-result-item i { color: var(--gold); width: 18px; }
.search-result-item span { font-size: 0.88rem; color: var(--text-dark); font-weight: 600; }
.search-result-item small { font-size: 0.75rem; color: var(--text-light); }

/* ============================================================
   HERO SECTION
   ============================================================ */
#hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, #1a3a6e 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 76px;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(239,191,4,0.08) 0%, transparent 50%),
    radial-gradient(circle at 10% 80%, rgba(239,191,4,0.05) 0%, transparent 40%);
  pointer-events: none;
}
.hero-grid-overlay {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 80px 0;
}
.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(239,191,4,0.12);
  border: 1px solid rgba(239,191,4,0.3);
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 1.2rem;
}
.hero-content h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  line-height: 1.15;
  margin-bottom: 1rem;
}
.hero-content h1 span { color: var(--gold); }
.hero-content p {
  color: rgba(255,255,255,0.78);
  font-size: 1.1rem;
  line-height: 1.75;
  margin-bottom: 2rem;
  max-width: 500px;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-trust-item {
  text-align: center;
}
.hero-trust-item strong {
  display: block;
  font-size: 1.5rem;
  color: var(--gold);
  font-family: var(--font-head);
}
.hero-trust-item span {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.hero-trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
}
.hero-image-wrap {
  position: relative;
}
.hero-img-main {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  aspect-ratio: 4/3;
}
.hero-img-main img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-badge {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 20px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  animation: float 4s ease-in-out infinite;
}
.hero-badge i { font-size: 1.5rem; margin-bottom: 4px; display: block; }
.hero-badge strong { display: block; font-size: 1.1rem; font-family: var(--font-head); }
.hero-badge small { font-size: 0.72rem; opacity: 0.8; }
.hero-card-float {
  position: absolute;
  top: 30px;
  right: -20px;
  background: var(--white);
  padding: 14px 18px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  animation: float 5s ease-in-out infinite reverse;
  min-width: 160px;
}
.hero-card-float .card-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 4px;
}
.hero-card-float .card-row i { color: var(--gold); }
.hero-card-float .card-row span { font-size: 0.78rem; font-weight: 600; color: var(--text-dark); }
.hero-card-float .card-row small { color: var(--text-light); font-size: 0.7rem; }
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}

/* ============================================================
   SERVICES QUICK LINKS
   ============================================================ */
#services-quick {
  background: var(--navy);
  padding: 50px 0;
  border-bottom: 2px solid rgba(239,191,4,0.2);
}
.services-quick-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 4px;
}
.sq-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 22px 12px;
  border-radius: var(--radius);
  color: rgba(255,255,255,0.78);
  transition: all var(--transition);
  cursor: pointer;
}
.sq-item:hover {
  background: rgba(239,191,4,0.1);
  color: var(--gold);
  transform: translateY(-4px);
}
.sq-item i {
  font-size: 1.8rem;
  margin-bottom: 8px;
  color: var(--gold);
}
.sq-item span { font-size: 0.82rem; font-weight: 600; }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.feature-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
  transition: all var(--transition);
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(239,191,4,0.3);
}
.feature-icon {
  width: 56px;
  height: 56px;
  background: rgba(239,191,4,0.1);
  border: 1px solid rgba(239,191,4,0.25);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--gold);
  margin-bottom: 1rem;
  transition: all var(--transition);
}
.feature-card:hover .feature-icon {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.feature-card h4 { margin-bottom: 0.5rem; }
.feature-card p { font-size: 0.9rem; color: var(--text-light); margin: 0; }

/* ============================================================
   STATS / COUNTERS
   ============================================================ */
#stats { background: var(--navy); padding: 70px 0; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item { padding: 20px; }
.stat-number {
  font-family: var(--font-head);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.stat-divider {
  width: 1px;
  background: rgba(255,255,255,0.12);
  align-self: stretch;
  margin: auto 0;
}

/* ============================================================
   INSURANCE SOLUTIONS
   ============================================================ */
.ins-tab-nav {
  display: flex;
  gap: 8px;
  background: var(--light-gray);
  padding: 6px;
  border-radius: var(--radius);
  margin-bottom: 40px;
  border: 1px solid var(--mid-gray);
}
.ins-tab-btn {
  flex: 1;
  padding: 12px 16px;
  border: none;
  background: none;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-light);
  transition: all var(--transition);
  cursor: pointer;
}
.ins-tab-btn.active {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.ins-tab-content { display: none; }
.ins-tab-content.active { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.ins-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.ins-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
}
.ins-card-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 24px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.ins-card-header i {
  font-size: 1.8rem;
  color: var(--gold);
  flex-shrink: 0;
}
.ins-card-header h4 { color: var(--white); font-size: 1rem; margin: 0; }
.ins-card-body { padding: 20px 24px; flex: 1; }
.ins-card-body p { font-size: 0.88rem; color: var(--text-light); margin: 0 0 14px; }
.ins-card-features { margin: 0; }
.ins-card-features li {
  font-size: 0.82rem;
  color: var(--text-body);
  padding: 4px 0;
  display: flex;
  align-items: center;
  gap: 8px;
}
.ins-card-features li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
}
.ins-card-footer {
  padding: 16px 24px;
  border-top: 1px solid var(--mid-gray);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.ins-card-footer a {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: all var(--transition);
}
.ins-card-footer a:hover { color: var(--gold); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-slider { position: relative; overflow: hidden; }
.testimonial-track {
  display: flex;
  transition: transform 0.5s ease;
}
.testimonial-card {
  min-width: 100%;
  padding: 40px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--mid-gray);
}
.testimonial-card .stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 1rem; letter-spacing: 3px; }
.testimonial-card blockquote {
  font-size: 1.05rem;
  color: var(--text-body);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 1.5rem;
  position: relative;
  padding-left: 20px;
}
.testimonial-card blockquote::before {
  content: '"';
  position: absolute;
  left: 0; top: -4px;
  font-size: 2.5rem;
  color: var(--gold);
  font-family: var(--font-head);
  line-height: 1;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.testimonial-avatar {
  width: 52px;
  height: 52px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: var(--gold);
  flex-shrink: 0;
}
.testimonial-author-info strong { display: block; font-size: 0.95rem; color: var(--navy); }
.testimonial-author-info span { font-size: 0.82rem; color: var(--text-light); }
.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-top: 28px;
}
.slider-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 2px solid var(--mid-gray);
  background: var(--white);
  color: var(--navy);
  font-size: 0.9rem;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
  cursor: pointer;
}
.slider-btn:hover { border-color: var(--gold); color: var(--gold); }
.slider-dots { display: flex; gap: 8px; }
.slider-dot {
  width: 8px; height: 8px;
  border-radius: 4px;
  background: var(--mid-gray);
  cursor: pointer;
  transition: all var(--transition);
  border: none;
}
.slider-dot.active { background: var(--gold); width: 24px; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-item {
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item.open { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  cursor: pointer;
  background: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-dark);
  gap: 16px;
  border: none;
  width: 100%;
  text-align: left;
  transition: all var(--transition);
}
.faq-question:hover { color: var(--navy); }
.faq-item.open .faq-question { color: var(--navy); background: rgba(239,191,4,0.04); }
.faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--light-gray);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  color: var(--navy);
  flex-shrink: 0;
  transition: all var(--transition);
}
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy-dark); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
  padding: 0 22px;
  background: var(--white);
}
.faq-item.open .faq-answer { max-height: 300px; padding: 0 22px 18px; }
.faq-answer p { font-size: 0.9rem; color: var(--text-body); margin: 0; }

/* ============================================================
   PARTNER LOGOS
   ============================================================ */
.partners-track {
  display: flex;
  gap: 40px;
  align-items: center;
  animation: scrollPartners 30s linear infinite;
  width: max-content;
}
.partners-track:hover { animation-play-state: paused; }
.partner-logo {
  min-width: 120px;
  height: 60px;
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 20px;
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--navy);
  letter-spacing: 0.04em;
  white-space: nowrap;
  transition: all var(--transition);
}
.partner-logo:hover { border-color: var(--gold); color: var(--gold); }
@keyframes scrollPartners {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.partners-overflow { overflow: hidden; }

/* ============================================================
   FOOTER
   ============================================================ */
#footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding-top: 70px;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 50px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 1rem;
}
.footer-brand .logo-mark {
  width: 42px; height: 42px;
  background: var(--gold);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy-dark);
}
.footer-brand .brand { font-family: var(--font-head); font-size: 1rem; color: var(--white); font-weight: 700; }
.footer-brand .tagline-tag { font-size: 0.72rem; color: var(--gold); }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; margin-bottom: 1.2rem; }
.footer-social { display: flex; gap: 8px; }
.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.2rem;
}
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col ul li a:hover { color: var(--gold); padding-left: 4px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 0.88rem;
}
.footer-contact-item i { color: var(--gold); margin-top: 3px; flex-shrink: 0; }
.footer-newsletter .newsletter-form {
  display: flex;
  gap: 8px;
  margin-top: 1rem;
}
.footer-newsletter input {
  flex: 1;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 4px;
  padding: 10px 14px;
  color: var(--white);
  font-size: 0.85rem;
  outline: none;
}
.footer-newsletter input:focus { border-color: var(--gold); }
.footer-bottom {
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.82rem; margin: 0; }
.footer-bottom-links {
  display: flex;
  gap: 16px;
}
.footer-bottom-links a { font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--gold); }

/* ============================================================
   SOCIAL ICONS GLOBAL
   ============================================================ */
.social-icons { display: flex; gap: 8px; }
.social-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  transition: all var(--transition);
}
.social-icon:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy-dark);
  transform: translateY(-3px);
}

/* ============================================================
   FLOATING ELEMENTS
   ============================================================ */
/* WhatsApp Floating */
.float-wa {
  position: fixed;
  bottom: 100px;
  right: 24px;
  z-index: 900;
  width: 54px;
  height: 54px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--white);
  box-shadow: 0 4px 20px rgba(37,211,102,0.5);
  animation: pulse-wa 2.5s infinite;
  transition: all var(--transition);
}
.float-wa:hover { transform: scale(1.1); background: #1ebe5d; }
@keyframes pulse-wa {
  0%,100% { box-shadow: 0 4px 20px rgba(37,211,102,0.5); }
  50% { box-shadow: 0 4px 30px rgba(37,211,102,0.8), 0 0 0 8px rgba(37,211,102,0.15); }
}
/* Callback floating */
.float-callback {
  position: fixed;
  bottom: 30px;
  right: 24px;
  z-index: 900;
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  padding: 12px 20px;
  border-radius: 28px;
  font-size: 0.85rem;
  font-weight: 600;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(239,191,4,0.3);
  cursor: pointer;
  transition: all var(--transition);
}
.float-callback:hover { background: var(--navy-mid); transform: translateY(-3px); }
.float-callback i { color: var(--gold); }
/* Back to top */
.back-to-top {
  position: fixed;
  bottom: 165px;
  right: 24px;
  z-index: 900;
  width: 44px;
  height: 44px;
  background: var(--navy);
  border: 1px solid rgba(239,191,4,0.3);
  color: var(--gold);
  border-radius: 50%;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: var(--shadow-md);
}
.back-to-top.show { display: flex; }
.back-to-top:hover { background: var(--gold); color: var(--navy-dark); transform: translateY(-3px); }

/* ============================================================
   MODAL - GET QUOTE
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(6,20,48,0.75);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  width: 100%;
  max-width: 620px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4);
  animation: modalIn 0.35s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(-30px) scale(0.96); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}
.modal-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 28px 32px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
}
.modal-header h3 { color: var(--white); margin: 0; }
.modal-header p { color: rgba(255,255,255,0.7); font-size: 0.88rem; margin: 6px 0 0; }
.modal-close {
  background: rgba(255,255,255,0.1);
  border: none;
  color: var(--white);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition);
  flex-shrink: 0;
}
.modal-close:hover { background: rgba(255,255,255,0.2); }
.modal-body { padding: 32px; }
/* Form styles */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 0.83rem; font-weight: 600; color: var(--text-dark); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 11px 14px;
  border: 1.5px solid var(--mid-gray);
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  transition: all var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,31,68,0.06);
}
.form-group textarea { resize: vertical; min-height: 90px; }
.form-success {
  text-align: center;
  padding: 30px;
  display: none;
}
.form-success i { font-size: 3rem; color: #22c55e; margin-bottom: 1rem; }
.form-success h4 { color: var(--navy); margin-bottom: 0.5rem; }
.form-success p { color: var(--text-light); font-size: 0.9rem; margin: 0; }

/* Callback modal */
#callback-modal .modal-box { max-width: 540px; }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 120px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { color: var(--white); margin-bottom: 0.5rem; }
.page-hero p { color: rgba(255,255,255,0.75); max-width: 550px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 1.5rem;
  font-size: 0.82rem;
}
.breadcrumb a { color: rgba(255,255,255,0.5); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }
.breadcrumb .current { color: var(--gold); }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.value-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 24px;
  transition: all var(--transition);
}
.value-card:hover { transform: translateX(6px); box-shadow: var(--shadow-sm); }
.value-card h4 { color: var(--navy); margin-bottom: 0.4rem; }
.value-card p { margin: 0; font-size: 0.9rem; color: var(--text-light); }
.team-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  overflow: hidden;
  text-align: center;
  transition: all var(--transition);
}
.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.team-img {
  aspect-ratio: 1;
  overflow: hidden;
}
.team-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.team-card:hover .team-img img { transform: scale(1.05); }
.team-info { padding: 20px; }
.team-info h4 { color: var(--navy); margin-bottom: 4px; font-size: 1rem; }
.team-info .role { font-size: 0.8rem; color: var(--gold); font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; margin: 0; }
.process-step {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius);
  transition: all var(--transition);
}
.process-step:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.step-num {
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
  font-family: var(--font-head);
}

/* ============================================================
   INSURANCE PRODUCT PAGES
   ============================================================ */
.product-detail { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; }
.product-main .product-section { margin-bottom: 2.5rem; }
.product-main .product-section h3 { color: var(--navy); margin-bottom: 1rem; padding-bottom: 8px; border-bottom: 2px solid var(--gold); display: inline-block; }
.coverage-table { width: 100%; border-collapse: collapse; margin-top: 1rem; }
.coverage-table th { background: var(--navy); color: var(--white); padding: 12px 16px; text-align: left; font-size: 0.85rem; }
.coverage-table td { padding: 10px 16px; font-size: 0.88rem; border-bottom: 1px solid var(--mid-gray); }
.coverage-table tr:hover td { background: rgba(239,191,4,0.04); }
.check-list li { display: flex; align-items: flex-start; gap: 10px; padding: 6px 0; font-size: 0.9rem; }
.check-list li i { color: var(--gold); margin-top: 3px; flex-shrink: 0; }
.x-list li { display: flex; align-items: flex-start; gap: 10px; padding: 6px 0; font-size: 0.9rem; }
.x-list li i { color: #ef4444; margin-top: 3px; flex-shrink: 0; }
.product-sidebar .sidebar-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 24px;
}
.sidebar-card-head {
  background: var(--navy);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.sidebar-card-head h4 { color: var(--white); margin: 0; font-size: 0.95rem; }
.sidebar-card-head i { color: var(--gold); }
.sidebar-card-body { padding: 22px; }
.audio-player {
  background: var(--light-gray);
  border-radius: var(--radius);
  padding: 20px;
  margin-top: 16px;
}
.audio-player p { font-size: 0.82rem; color: var(--text-light); margin-bottom: 10px; }
.audio-player audio { width: 100%; }
.related-links li { margin-bottom: 8px; }
.related-links li a {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--navy);
  font-weight: 600;
  padding: 8px 0;
  border-bottom: 1px solid var(--mid-gray);
  transition: all var(--transition);
}
.related-links li a:hover { color: var(--gold); padding-left: 4px; }

/* ============================================================
   CLAIMS PAGE
   ============================================================ */
.claims-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 20px;
  align-items: flex-start;
  position: relative;
}
.claims-step:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 22px; top: 48px;
  width: 2px;
  height: calc(100% + 20px);
  background: var(--mid-gray);
}
.claims-step-num {
  width: 44px;
  height: 44px;
  background: var(--gold);
  color: var(--navy-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
  z-index: 1;
  position: relative;
}
.claims-step-content { padding-bottom: 30px; }
.claims-step-content h4 { color: var(--navy); margin-bottom: 0.4rem; }
.claims-step-content p { font-size: 0.9rem; color: var(--text-light); margin: 0; }
.download-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--navy);
  color: var(--white);
  padding: 10px 18px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 600;
  transition: all var(--transition);
  margin-right: 10px;
  margin-bottom: 10px;
}
.download-btn:hover { background: var(--navy-mid); transform: translateY(-2px); }
.download-btn i { color: var(--gold); }

/* ============================================================
   MEDIA CENTER
   ============================================================ */
.media-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 32px; }
.media-tab {
  padding: 8px 18px;
  border: 1.5px solid var(--mid-gray);
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-body);
  cursor: pointer;
  background: var(--white);
  transition: all var(--transition);
}
.media-tab.active, .media-tab:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.media-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.media-card {
  border: 2px dashed var(--mid-gray);
  border-radius: var(--radius-lg);
  padding: 40px 20px;
  text-align: center;
  color: var(--text-light);
  background: var(--light-gray);
  transition: all var(--transition);
}
.media-card:hover { border-color: var(--gold); background: rgba(239,191,4,0.04); }
.media-card i { font-size: 2.5rem; color: var(--mid-gray); margin-bottom: 12px; display: block; }
.media-card span { font-size: 0.85rem; }

/* ============================================================
   RESOURCE CENTER
   ============================================================ */
.resource-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}
.resource-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(239,191,4,0.3); }
.resource-card-img {
  height: 160px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}
.resource-card-img i { font-size: 3rem; color: var(--gold); }
.resource-card-body { padding: 20px; }
.resource-cat { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 6px; }
.resource-card-body h4 { color: var(--navy); font-size: 1rem; margin-bottom: 8px; }
.resource-card-body p { font-size: 0.85rem; color: var(--text-light); margin: 0; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-info-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius);
  margin-bottom: 16px;
  transition: all var(--transition);
}
.contact-info-card:hover { border-color: var(--gold); transform: translateX(4px); }
.contact-info-icon {
  width: 48px; height: 48px;
  background: rgba(239,191,4,0.1);
  border: 1px solid rgba(239,191,4,0.25);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-info-card h5 { color: var(--navy); margin-bottom: 4px; font-size: 0.9rem; }
.contact-info-card p { margin: 0; font-size: 0.88rem; color: var(--text-body); }

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.comparison-wrap { overflow-x: auto; }
.comparison-table { width: 100%; border-collapse: collapse; min-width: 600px; }
.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  font-size: 0.85rem;
}
.comparison-table th:first-child { color: var(--gold); }
.comparison-table td { padding: 12px 18px; font-size: 0.88rem; border-bottom: 1px solid var(--mid-gray); }
.comparison-table tr:hover td { background: rgba(239,191,4,0.03); }
.check-yes { color: #22c55e; }
.check-no  { color: #ef4444; }

/* ============================================================
   INDUSTRIES
   ============================================================ */
.industry-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.industry-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  opacity: 0;
  transition: opacity var(--transition);
  border-radius: var(--radius-lg);
}
.industry-card:hover::after { opacity: 1; }
.industry-card > * { position: relative; z-index: 1; }
.industry-card:hover h4 { color: var(--white); }
.industry-card:hover p { color: rgba(255,255,255,0.72); }
.industry-card:hover .industry-icon { background: rgba(239,191,4,0.2); color: var(--gold); border-color: rgba(239,191,4,0.3); }
.industry-icon {
  width: 64px;
  height: 64px;
  background: rgba(10,31,68,0.06);
  border: 1px solid var(--mid-gray);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--navy);
  margin: 0 auto 1rem;
  transition: all var(--transition);
}
.industry-card h4 { margin-bottom: 0.4rem; transition: color var(--transition); }
.industry-card p { font-size: 0.85rem; color: var(--text-light); margin: 0; transition: color var(--transition); }
.industry-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--navy); }

/* ============================================================
   PRIVACY / TERMS / LEGAL PAGES
   ============================================================ */
.legal-content { max-width: 860px; margin: 0 auto; }
.legal-content h2 { color: var(--navy); font-size: 1.4rem; margin: 2.5rem 0 0.8rem; }
.legal-content h3 { color: var(--navy); font-size: 1.1rem; margin: 1.8rem 0 0.6rem; }
.legal-content p, .legal-content li { font-size: 0.92rem; color: var(--text-body); line-height: 1.75; }
.legal-content ul { padding-left: 1.4rem; margin-bottom: 1rem; }
.legal-content ul li { margin-bottom: 6px; }
.legal-box {
  background: var(--light-gray);
  border-left: 4px solid var(--gold);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1.5rem 0;
  font-size: 0.9rem;
}

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-left { opacity: 0; transform: translateX(-28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal-left.visible { opacity: 1; transform: translateX(0); }
.reveal-right { opacity: 0; transform: translateX(28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal-right.visible { opacity: 1; transform: translateX(0); }

/* ============================================================
   TRUST BADGES
   ============================================================ */
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  justify-content: center;
  padding: 30px;
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  background: var(--light-gray);
  border: 1px solid var(--mid-gray);
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
}
.trust-badge i { color: var(--gold); }

/* ============================================================
   STICKY CTA BAR
   ============================================================ */
.sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy-dark);
  border-top: 2px solid var(--gold);
  z-index: 800;
  display: none;
  padding: 12px 24px;
  transform: translateY(100%);
  transition: transform var(--transition);
}
.sticky-cta.visible {
  display: block;
  transform: translateY(0);
}
.sticky-cta-inner {
  max-width: 1240px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.sticky-cta-text {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
}
.sticky-cta-text strong { color: var(--gold); }
.sticky-cta-btns { display: flex; gap: 10px; flex-shrink: 0; }
.sticky-close {
  background: none;
  border: none;
  color: rgba(255,255,255,0.5);
  font-size: 1.1rem;
  cursor: pointer;
  padding: 4px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 36px; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .nav-menu { display: none; }
  .nav-search { display: none; }
  .hamburger { display: flex; }
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-content p { margin: 0 auto 2rem; }
  .hero-btns { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-image-wrap { display: none; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .ins-tab-content.active { grid-template-columns: 1fr 1fr; }
  .product-detail { grid-template-columns: 1fr; }
  .media-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .section { padding: 60px 0; }
  .container { padding: 0 16px; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .ins-tab-content.active { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-divider { display: none; }
  .media-grid { grid-template-columns: 1fr; }
  .sticky-cta-inner { flex-direction: column; gap: 10px; }
  .float-callback span { display: none; }
  .float-callback { padding: 12px 16px; border-radius: 50%; width: 54px; height: 54px; justify-content: center; }
  .nav-wa-btn span { display: none; }
  .nav-wa-btn { padding: 7px 10px; }
}
/* Mobile Nav */
.mobile-nav {
  position: fixed;
  top: 76px; left: 0; right: 0; bottom: 0;
  background: var(--navy-dark);
  z-index: 999;
  overflow-y: auto;
  padding: 20px 24px;
  transform: translateX(-100%);
  transition: transform var(--transition);
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 0;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color var(--transition);
}
.mobile-nav a:hover { color: var(--gold); }
.mobile-nav .mobile-cta { margin-top: 20px; display: flex; flex-direction: column; gap: 12px; }

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  #navbar, .float-wa, .float-callback, .back-to-top, .sticky-cta { display: none !important; }
  body { padding-top: 0; }
}

/* ============================================================
   DROPDOWN NAV
   ============================================================ */
.nav-menu .has-dropdown {
  position: relative;
}
.nav-menu .has-dropdown > a::after {
  content: '\f107';
  font-family: 'Font Awesome 6 Free';
  font-weight: 900;
  margin-left: 5px;
  font-size: 0.7rem;
  transition: transform var(--transition);
}
.nav-menu .has-dropdown:hover > a::after {
  transform: rotate(180deg);
}
.nav-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  min-width: 560px;
  padding: 16px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s ease;
  z-index: 500;
}
.nav-menu .has-dropdown:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  top: calc(100% + 4px);
}
.nav-dropdown-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--radius);
  color: var(--text-dark) !important;
  font-size: 0.82rem !important;
  font-weight: 600;
  transition: all var(--transition);
  text-decoration: none;
  background: none !important;
}
.nav-dropdown-item:hover {
  background: var(--light-gray) !important;
  color: var(--navy) !important;
  padding-left: 14px;
}
.nav-dropdown-item i {
  width: 28px;
  height: 28px;
  background: rgba(10,31,68,0.06);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  color: var(--navy);
  flex-shrink: 0;
  transition: all var(--transition);
}
.nav-dropdown-item:hover i {
  background: var(--navy);
  color: var(--gold);
}
.nav-dropdown-item span { flex: 1; }
.nav-dropdown-item small {
  display: block;
  font-size: 0.7rem;
  font-weight: 400;
  color: var(--text-light);
  margin-top: 1px;
}
.nav-dropdown-divider {
  grid-column: 1 / -1;
  border: none;
  border-top: 1px solid var(--mid-gray);
  margin: 4px 0;
}
.nav-dropdown-footer {
  grid-column: 1 / -1;
  text-align: center;
  padding: 8px 0 4px;
}
.nav-dropdown-footer a {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy) !important;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color var(--transition);
}
.nav-dropdown-footer a:hover { color: var(--gold) !important; }

/* Mobile dropdown */
.mobile-nav .mobile-sub {
  padding-left: 16px;
  display: none;
  flex-direction: column;
}
.mobile-nav .mobile-sub.open { display: flex; }
.mobile-nav .mobile-sub a {
  font-size: 0.85rem;
  padding: 10px 0;
  color: rgba(255,255,255,0.7);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  display: flex;
  align-items: center;
  gap: 10px;
}
.mobile-nav .mobile-sub a:hover { color: var(--gold); }
.mobile-toggle-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  padding: 14px 0;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  cursor: pointer;
  transition: color var(--transition);
}
.mobile-toggle-btn:hover { color: var(--gold); }
.mobile-toggle-btn i.toggle-icon { font-size: 0.75rem; transition: transform var(--transition); }
.mobile-toggle-btn.open .toggle-icon { transform: rotate(180deg); }

/* ============================================================
   REAL SOCIAL COLORS
   ============================================================ */
.social-icon.social-facebook:hover  { background: #1877F2; border-color: #1877F2; color: #fff; }
.social-icon.social-instagram:hover { background: linear-gradient(45deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888); border-color: #dc2743; color: #fff; }
.social-icon.social-x:hover         { background: #000; border-color: #000; color: #fff; }
.social-icon.social-tiktok:hover    { background: #010101; border-color: #010101; color: #fff; }
.social-icon.social-linkedin:hover  { background: #0A66C2; border-color: #0A66C2; color: #fff; }

/* Default (non-hover) — keep brand-agnostic */
.social-icon.social-facebook  { }
.social-icon.social-instagram { }
.social-icon.social-x         { }
.social-icon.social-tiktok    { }
.social-icon.social-linkedin  { }

/* ============================================================
   SEARCH BAR ON EVERY PAGE (Nav search already present in desktop)
   Ensure search is shown on all pages by keeping it in nav
   ============================================================ */
.nav-search { display: block !important; }

/* ============================================================
   FAQ 2-COLUMN LAYOUT (index page)
   ============================================================ */
.faq-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  align-items: start;
}
@media (max-width: 760px) {
  .faq-two-col { grid-template-columns: 1fr; }
  .nav-dropdown { min-width: 320px; grid-template-columns: 1fr; }
}