/* ==========================================================================
   WIDE GARDIAN INSURANCE SA - CORPORATE WHITE THEME WITH LOGO GOLD ACCENTS
   Clean Light Glassmorphism with Brushed Metallic Gold Highlights
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Cinzel:wght@500;600;700;800&family=Outfit:wght@400;500;600;700;800&family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&display=swap');

:root {
  /* Official Brand Colors - Extracted from Wide Gardian Gold Emblem */
  --color-gold: #c5a059;               /* Primary Brushed Metallic Gold */
  --color-gold-light: #dfba6a;         /* Bright Gold Shimmer */
  --color-gold-pale: #fcf9f2;          /* Champagne Pearl Highlight */
  --color-gold-dark: #967530;          /* Deep Burnished Gold (High contrast on white) */
  --color-gold-soft: rgba(197, 160, 89, 0.12);
  --color-gold-glow: rgba(197, 160, 89, 0.3);

  --color-primary: #0a1118;            /* Deep Obsidian Corporate Slate (Headings) */
  --color-primary-dark: #060a0f;       /* Darkest Black-Navy */
  --color-navy: #0a1118;               /* Deep Corporate Navy / Obsidian */
  --color-primary-card: #ffffff;       /* Pure White Card Surface */
  --color-accent: #c5a059;             /* Logo Metallic Gold Accent */
  --color-accent-hover: #967530;       /* Deep Gold Hover */

  /* Clean White Corporate Backdrop */
  --color-bg: #f8fafc;
  --color-white: #ffffff;
  --color-slate-50: #f8fafc;
  --color-slate-100: #f1f5f9;
  --color-slate-200: #e2e8f0;
  --color-slate-300: #cbd5e1;
  --color-slate-400: #94a3b8;
  --color-slate-500: #64748b;
  --color-slate-600: #475569;
  --color-slate-700: #334155;
  --color-slate-800: #1e293b;
  --color-slate-900: #0f172a;

  --color-text-main: #0a1118;          /* Crisp Dark Slate for Headings */
  --color-text-body: #334155;          /* High Contrast Slate-700 for Body Copy */
  --color-text-muted: #64748b;         /* Muted Slate-500 */

  /* White Frosted Glassmorphism Design Tokens */
  --glass-bg: rgba(255, 255, 255, 0.88);
  --glass-card: rgba(255, 255, 255, 0.92);
  --glass-card-hover: #ffffff;
  --glass-border: 1px solid rgba(197, 160, 89, 0.28);
  --glass-border-light: 1px solid rgba(15, 23, 42, 0.08);
  --glass-border-glow: 1px solid rgba(197, 160, 89, 0.65);
  --glass-blur: blur(16px);
  --glass-blur-sm: blur(10px);
  --glass-blur-lg: blur(25px);
  --glass-shadow: 0 10px 30px -5px rgba(15, 23, 42, 0.05), 0 0 20px rgba(197, 160, 89, 0.08);
  --glass-shadow-lg: 0 20px 45px -10px rgba(15, 23, 42, 0.09), 0 0 35px rgba(197, 160, 89, 0.15);

  /* Typography */
  --font-heading: 'Outfit', sans-serif;
  --font-serif: 'Cinzel', serif;
  --font-body: 'Plus Jakarta Sans', sans-serif;

  --transition-base: all 0.25s ease;
  --transition-fast: 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: 0.5s cubic-bezier(0.16, 1, 0.3, 1);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --radius-full: 9999px;
}

/* Base Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  background-color: var(--color-bg);
  color: var(--color-text-body);
  line-height: 1.6;
  overflow-x: hidden;
  position: relative;
  min-height: 100vh;
}

/* Subtle Ambient Canvas Glows */
body::before {
  content: '';
  position: fixed;
  top: -10vw;
  right: -5vw;
  width: 55vw;
  height: 55vw;
  background: radial-gradient(circle, rgba(197, 160, 89, 0.08) 0%, rgba(241, 245, 249, 0.5) 50%, transparent 75%);
  filter: blur(80px);
  z-index: -2;
  pointer-events: none;
}

body::after {
  content: '';
  position: fixed;
  bottom: -15vw;
  left: -10vw;
  width: 50vw;
  height: 50vw;
  background: radial-gradient(circle, rgba(223, 186, 106, 0.06) 0%, rgba(248, 250, 252, 0.7) 60%, transparent 80%);
  filter: blur(90px);
  z-index: -2;
  pointer-events: none;
}

.ambient-glow-wrapper {
  position: fixed;
  inset: 0;
  overflow: hidden;
  z-index: -1;
  pointer-events: none;
}
.ambient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: 0.18;
}
.orb-1 {
  top: 15%;
  left: 12%;
  width: 450px;
  height: 450px;
  background: #c5a059;
}
.orb-2 {
  top: 60%;
  right: 10%;
  width: 420px;
  height: 420px;
  background: #dfba6a;
}
.orb-3 {
  bottom: 12%;
  left: 30%;
  width: 380px;
  height: 380px;
  background: #cbd5e1;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-text-main);
  font-weight: 700;
  line-height: 1.25;
}

.editorial-gold {
  font-family: var(--font-serif);
  color: var(--color-gold-dark);
  letter-spacing: 0.04em;
}

p {
  color: var(--color-text-body);
}

a {
    color: var(--color-navy);
    text-decoration: none;
    transition: var(--transition-base);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

.container {
  width: 100%;
  max-width: 1280px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

/* Glassmorphic Core Classes */
.glass-panel {
  background: var(--glass-card);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: var(--glass-border);
  box-shadow: var(--glass-shadow);
  border-radius: var(--radius-lg);
}

.glass-card {
  background: var(--glass-card);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: var(--glass-border);
  box-shadow: var(--glass-shadow);
  border-radius: var(--radius-lg);
  transition: transform var(--transition-normal), border-color var(--transition-normal), box-shadow var(--transition-normal);
}
.glass-card:hover {
  transform: translateY(-5px);
  background: var(--glass-card-hover);
  border-color: var(--color-gold);
  box-shadow: var(--glass-shadow-lg);
}

.glass-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 0.95rem;
  border-radius: var(--radius-full);
  background: rgba(197, 160, 89, 0.12);
  border: 1px solid rgba(197, 160, 89, 0.38);
  color: var(--color-gold-dark);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

/* Button Component Suite - Luxurious Metallic Gold */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 1.75rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  cursor: pointer;
  border: none;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, #dfba6a 0%, #c5a059 50%, #967530 100%);
  color: #ffffff;
  font-weight: 700;
  box-shadow: 0 8px 22px -3px rgba(197, 160, 89, 0.45);
}
.btn-primary:hover {
  background: linear-gradient(135deg, #f0cf85 0%, #dfba6a 50%, #a17f38 100%);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 12px 28px -3px rgba(197, 160, 89, 0.55);
}

.btn-secondary {
  background: #ffffff;
  color: var(--color-gold-dark);
  border: 1.5px solid var(--color-gold);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.04);
}
.btn-secondary:hover {
  background: rgba(197, 160, 89, 0.12);
  border-color: var(--color-gold-dark);
  color: var(--color-gold-dark);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--color-gold-dark);
  border: 1.5px solid var(--color-gold);
}
.btn-outline:hover {
  background: var(--color-gold);
  color: #ffffff;
}

.btn-sm {
  padding: 0.5rem 1.15rem;
  font-size: 0.86rem;
}
.btn-lg {
  padding: 1.1rem 2.4rem;
  font-size: 1.05rem;
}

/* ==========================================================================
   TOP BAR - Deep Obsidian with Gold Shimmer
   ========================================================================== */
.top-bar {
  background: #0a1118;
  color: #cbd5e1;
  border-bottom: 1px solid rgba(197, 160, 89, 0.3);
  font-size: 0.84rem;
  padding: 0.55rem 0;
  position: relative;
  z-index: 101;
}
.top-bar-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 1.35rem;
}
.top-bar a {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: #cbd5e1;
  font-weight: 500;
}
.top-bar a:hover {
  color: var(--color-gold-light);
}
.top-bar strong {
  color: var(--color-gold-light);
}
.badge-status {
  display: inline-block;
  width: 7px;
  height: 7px;
  background-color: var(--color-gold-light);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--color-gold-light);
}

/* ==========================================================================
   MAIN NAVIGATION - Frosted White Glass with Gold Accents
   ========================================================================== */
header.main-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(10, 17, 24, 0.95);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border-bottom: 1px solid rgba(197, 160, 89, 0.35);
    transition: all var(--transition-normal);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.3);
    padding-top: 10px;
    padding-bottom: 10px;
}
header.main-header.scrolled {
  background: rgba(10, 17, 24, 0.98);
  border-bottom-color: rgba(197, 160, 89, 0.5);
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.45);
  padding-top: 12px;
  padding-bottom: 12px;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: auto;
}

/* Brand Logo with Official Emblem */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.01em;
}
.brand-logo-img {
  height: 120px;
  width: 120px;
  border-radius: 50%;
  object-fit: cover;
  background: #ffffff;
  box-shadow: 0 0 22px rgba(197, 160, 89, 0.55), 0 4px 15px rgba(0, 0, 0, 0.35);
  border: 2px solid rgba(197, 160, 89, 0.75);
  filter: blur(1.5px);
  -webkit-filter: blur(1.5px);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), filter var(--transition-fast);
}
.brand-logo-img:hover {
  transform: scale(1.03);
  box-shadow: 0 0 30px rgba(223, 186, 106, 0.75), 0 6px 20px rgba(0, 0, 0, 0.5);
}
.brand-logo span.highlight {
  color: var(--color-gold-light);
  font-weight: 800;
}
.brand-sub {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: #94a3b8;
  display: block;
  font-weight: 600;
  margin-top: -3px;
}

/* Nav Menu */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  list-style: none;
}
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.55rem 0.95rem;
  font-size: 0.94rem;
  font-weight: 600;
  color: #e2e8f0;
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}
.nav-link:hover, .nav-link.active {
  color: var(--color-gold-light);
  background: rgba(197, 160, 89, 0.18);
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  width: 280px;
  padding: 0.75rem;
  background: #0f172a;
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border: 1px solid rgba(197, 160, 89, 0.4);
  border-radius: var(--radius-md);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.6);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition-fast);
  list-style: none;
  z-index: 100;
}
.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-item a {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.65rem 0.85rem;
  border-radius: var(--radius-sm);
  color: #cbd5e1;
  font-size: 0.9rem;
  font-weight: 600;
  transition: all var(--transition-fast);
}
.dropdown-item a:hover {
  background: rgba(197, 160, 89, 0.2);
  color: var(--color-gold-light);
  padding-left: 1.15rem;
}
.dropdown-item a i {
  color: var(--color-gold-light);
  font-size: 0.95rem;
  width: 18px;
  text-align: center;
}

/* Header CTAs */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}
.mobile-toggle {
  display: none;
  background: transparent;
  border: none;
  color: #ffffff;
  font-size: 1.5rem;
  cursor: pointer;
}

/* ==========================================================================
   HERO SECTION - High Prestige Hero with Floating White Quote Card
   ========================================================================== */
.hero-section {
  position: relative;
  min-height: 86vh;
  display: flex;
  align-items: center;
  padding: 4.5rem 0 5.5rem;
  overflow: hidden;
}

.hero-bg-wrapper {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  filter: brightness(0.48) contrast(1.1);
}
.hero-gradient-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10, 17, 24, 0.88) 0%, rgba(14, 23, 34, 0.72) 50%, rgba(10, 17, 24, 0.88) 100%);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.hero-title {
  font-size: clamp(2.4rem, 4.6vw, 4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: #ffffff;
  line-height: 1.15;
}
.hero-title .gradient-text {
  background: linear-gradient(135deg, #ffffff 0%, #fceda8 40%, #dfba6a 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-desc {
  font-size: 1.15rem;
  color: #e2e8f0;
  max-width: 580px;
  line-height: 1.65;
}

.hero-stats-row {
  display: flex;
  align-items: center;
  gap: 2.25rem;
  padding-top: 0.5rem;
}
.hero-stat-item {
  display: flex;
  flex-direction: column;
}
.hero-stat-value {
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--color-gold-light);
}
.hero-stat-label {
  font-size: 0.85rem;
  color: #cbd5e1;
  font-weight: 600;
}

/* Hero White Glass Quote Starter Card with Gold Trim */
.hero-quote-card {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border: 1px solid rgba(197, 160, 89, 0.38);
  box-shadow: 0 25px 60px -15px rgba(0, 0, 0, 0.28), 0 0 35px rgba(197, 160, 89, 0.15);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  position: relative;
  overflow: hidden;
}
.hero-quote-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #dfba6a 0%, #c5a059 50%, #967530 100%);
}

.quote-card-header {
  margin-bottom: 1.5rem;
}
.quote-card-header h3 {
  font-size: 1.65rem;
  margin-bottom: 0.35rem;
  color: var(--color-primary);
}
.quote-card-header p {
  font-size: 0.9rem;
  color: var(--color-slate-500);
}

.form-group {
  margin-bottom: 1.15rem;
}
.form-label {
  display: block;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--color-slate-700);
  margin-bottom: 0.45rem;
  letter-spacing: 0.01em;
}
.form-control {
  width: 100%;
  padding: 0.85rem 1.15rem;
  background: #ffffff;
  border: 1.5px solid rgba(197, 160, 89, 0.3);
  border-radius: var(--radius-md);
  color: var(--color-slate-900);
  font-family: var(--font-body);
  font-size: 0.95rem;
  outline: none;
  transition: all var(--transition-fast);
}
.form-control:focus {
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.2);
  background: #ffffff;
}
.form-control option {
  background: #ffffff;
  color: #0f172a;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.bundle-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  background: rgba(197, 160, 89, 0.1);
  border: 1px dashed var(--color-gold);
  border-radius: var(--radius-md);
  font-size: 0.85rem;
  color: var(--color-gold-dark);
  margin-bottom: 1.35rem;
}

/* ==========================================================================
   QUICK ACTION STRIP
   ========================================================================== */
.quick-action-strip {
  position: relative;
  z-index: 10;
  margin-top: -2.5rem;
  margin-bottom: 4.5rem;
}
.strip-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 1rem;
}
.strip-card {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 1.25rem 1.35rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid rgba(197, 160, 89, 0.25);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.05);
  transition: all var(--transition-fast);
  cursor: pointer;
}
.strip-card:hover {
  background: #ffffff;
  border-color: var(--color-gold);
  transform: translateY(-3px);
  box-shadow: 0 14px 30px rgba(197, 160, 89, 0.2);
}
.strip-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(197, 160, 89, 0.12);
  color: var(--color-gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}
.strip-text h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1.2;
}
.strip-text span {
  font-size: 0.78rem;
  color: var(--color-slate-500);
}

/* ==========================================================================
   FEATURE SPOTLIGHT
   ========================================================================== */
.feature-spotlight {
  padding: 4rem 0;
}
.spotlight-card {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3.5rem;
  align-items: center;
  padding: 3.5rem;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid rgba(197, 160, 89, 0.28);
  border-radius: var(--radius-xl);
  box-shadow: var(--glass-shadow);
}
.spotlight-content h2 {
  font-size: clamp(2rem, 3.2vw, 2.7rem);
  margin: 1rem 0 1.25rem;
  color: var(--color-primary);
}
.spotlight-content h2 em {
  color: var(--color-gold-dark);
  font-style: italic;
}
.spotlight-image-box {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(15, 23, 42, 0.12);
  border: 1px solid rgba(197, 160, 89, 0.3);
}
.spotlight-image-box img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  transition: transform var(--transition-slow);
}
.spotlight-image-box:hover img {
  transform: scale(1.03);
}

/* ==========================================================================
   PRODUCT SHOWCASE & COVERAGE CATEGORIES
   ========================================================================== */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem;
}
.section-header h2 {
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  margin-top: 0.75rem;
  margin-bottom: 1rem;
  color: var(--color-primary);
}
.section-header p {
  font-size: 1.05rem;
  color: var(--color-text-body);
}

.category-tabs {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}
.tab-btn {
  padding: 0.7rem 1.5rem;
  border-radius: var(--radius-full);
  background: #ffffff;
  border: 1px solid rgba(197, 160, 89, 0.3);
  color: var(--color-slate-700);
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.tab-btn:hover, .tab-btn.active {
  background: linear-gradient(135deg, #dfba6a 0%, #c5a059 100%);
  border-color: #dfba6a;
  color: #ffffff;
  box-shadow: 0 4px 15px rgba(197, 160, 89, 0.35);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.75rem;
}

.product-card {
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.92);
}
.product-icon-wrap {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: rgba(197, 160, 89, 0.12);
  border: 1px solid rgba(197, 160, 89, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold-dark);
  font-size: 1.5rem;
  margin-bottom: 1.5rem;
}
.product-card h3 {
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
  color: var(--color-primary);
}
.product-card p {
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
  flex-grow: 1;
  color: var(--color-text-body);
}
.product-features-list {
  list-style: none;
  margin-bottom: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.product-features-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.88rem;
  color: var(--color-slate-700);
  font-weight: 500;
}
.product-features-list li i {
  color: var(--color-gold-dark);
  font-size: 0.85rem;
}

.product-card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--color-gold-dark);
  font-weight: 700;
  font-size: 0.95rem;
}
.product-card-link i {
  transition: transform var(--transition-fast);
}
.product-card:hover .product-card-link i {
  transform: translateX(5px);
}

/* ==========================================================================
   VALUE PROPOSITION BANNER
   ========================================================================== */
.value-banner-section {
  padding: 4rem 0;
}
.value-banner {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 3.5rem;
  align-items: center;
  padding: 3.5rem;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.96) 0%, rgba(252, 249, 242, 0.92) 100%);
  border: 1px solid rgba(197, 160, 89, 0.35);
  border-radius: var(--radius-xl);
  box-shadow: var(--glass-shadow-lg);
  overflow: hidden;
}
.value-banner-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  height: 350px;
  border: 1px solid rgba(197, 160, 89, 0.28);
}
.value-banner-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.value-banner-content h2 {
  font-size: clamp(2rem, 3.2vw, 2.7rem);
  margin-bottom: 1rem;
  color: var(--color-primary);
}
.value-banner-content p {
  font-size: 1.08rem;
  margin-bottom: 1.75rem;
  line-height: 1.7;
  color: var(--color-text-body);
}

/* ==========================================================================
   TRUST & DIFFERENCE METRICS
   ========================================================================== */
.trust-section {
  padding: 5rem 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2.5rem;
  align-items: stretch;
}
.trust-feature-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  min-height: 440px;
  box-shadow: var(--glass-shadow);
  border: 1px solid rgba(197, 160, 89, 0.3);
}
.trust-feature-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.trust-feature-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10, 17, 24, 0.95) 0%, rgba(10, 17, 24, 0.4) 60%, transparent 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 2.5rem;
  color: #ffffff;
}
.trust-feature-overlay h3 {
  font-size: 1.75rem;
  margin-bottom: 0.5rem;
  color: #ffffff;
}
.trust-feature-overlay p {
  color: rgba(255, 255, 255, 0.88);
}

.metrics-stack {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  justify-content: space-between;
}
.metric-glass-card {
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  background: rgba(255, 255, 255, 0.92);
}
.metric-badge-box {
  width: 72px;
  height: 72px;
  border-radius: 18px;
  background: linear-gradient(135deg, #dfba6a 0%, #c5a059 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 800;
  color: #ffffff;
  flex-shrink: 0;
  box-shadow: 0 8px 20px -3px rgba(197, 160, 89, 0.45);
}
.metric-text h4 {
  font-size: 1.2rem;
  margin-bottom: 0.25rem;
  color: var(--color-primary);
}
.metric-text p {
  font-size: 0.88rem;
  line-height: 1.45;
  color: var(--color-text-body);
}

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.reviews-section {
  padding: 4.5rem 0;
}
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.review-card {
  padding: 2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: rgba(255, 255, 255, 0.92);
}
.review-rating-stars {
  color: var(--color-gold-dark);
  font-size: 1rem;
  margin-bottom: 0.75rem;
  display: flex;
  gap: 4px;
}
.review-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-gold-dark);
  background: rgba(197, 160, 89, 0.12);
  border: 1px solid rgba(197, 160, 89, 0.3);
  padding: 0.25rem 0.6rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.85rem;
  width: fit-content;
}
.review-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}
.review-body {
  font-size: 0.92rem;
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}
.review-author {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--color-slate-500);
}

/* ==========================================================================
   CALL TO ACTION BANNER
   ========================================================================== */
.cta-section {
  padding: 5rem 0;
}
.cta-banner {
  text-align: center;
  padding: 4.5rem 2rem;
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #0a1118 0%, #162436 100%);
  border: 1px solid rgba(197, 160, 89, 0.45);
  border-radius: var(--radius-xl);
  box-shadow: var(--glass-shadow-lg);
}
.cta-content {
  position: relative;
  z-index: 1;
  max-width: 650px;
  margin: 0 auto;
}
.cta-content h2 {
  font-size: clamp(2.2rem, 4vw, 3rem);
  margin-bottom: 1.15rem;
  color: #ffffff;
}
.cta-content p {
  font-size: 1.12rem;
  margin-bottom: 2rem;
  color: #cbd5e1;
}
.cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ==========================================================================
   FOOTER - Deep Obsidian Navy with Metallic Gold Embellishments
   ========================================================================== */
.main-footer {
  background: #0a1118;
  color: #ffffff;
  border-top: 1px solid rgba(197, 160, 89, 0.3);
  padding: 5rem 0 2rem;
  position: relative;
}
.main-footer h4 {
  color: var(--color-gold-light);
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 3rem;
  margin-bottom: 4rem;
}
.footer-brand .brand-logo {
  color: #ffffff;
}
.footer-brand img {
  height: 120px !important;
  width: 120px !important;
  border-radius: 50% !important;
  object-fit: cover;
  background: #ffffff;
  box-shadow: 0 0 22px rgba(197, 160, 89, 0.55), 0 4px 15px rgba(0, 0, 0, 0.35);
  border: 2px solid rgba(197, 160, 89, 0.75);
  filter: blur(1.5px);
  -webkit-filter: blur(1.5px);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), filter var(--transition-fast);
}
.footer-brand img:hover {
  transform: scale(1.03);
  box-shadow: 0 0 30px rgba(223, 186, 106, 0.75), 0 6px 20px rgba(0, 0, 0, 0.5);
}
.footer-brand p {
  font-size: 0.92rem;
  margin: 1.25rem 0 1.5rem;
  max-width: 320px;
  color: #94a3b8;
}
.footer-phone-box {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-gold-light);
  margin-bottom: 1.5rem;
}
.footer-phone-box a {
  color: var(--color-gold-light);
}
.social-links {
  display: flex;
  gap: 0.75rem;
}
.social-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(197, 160, 89, 0.1);
  border: 1px solid rgba(197, 160, 89, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold-light);
  transition: all var(--transition-fast);
}
.social-icon:hover {
  background: var(--color-gold-light);
  color: #05080c;
  transform: translateY(-2px);
  box-shadow: 0 0 12px rgba(197, 160, 89, 0.5);
}

.footer-col h4 {
  font-size: 1rem;
  margin-bottom: 1.25rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.footer-links a {
  font-size: 0.9rem;
  color: #94a3b8;
  transition: color var(--transition-fast);
}
.footer-links a:hover {
  color: var(--color-gold-light);
  padding-left: 4px;
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: #64748b;
  flex-wrap: wrap;
  gap: 1rem;
}
.legal-links {
  display: flex;
  gap: 1.5rem;
  list-style: none;
}
.legal-links a {
  color: #94a3b8;
}
.legal-links a:hover {
  color: var(--color-gold-light);
}

/* ==========================================================================
   PAGE HERO FOR SUBPAGES
   ========================================================================== */
.page-hero {
  padding: 4.5rem 0 3.5rem;
  position: relative;
  background: linear-gradient(180deg, #ffffff 0%, #f1f5f9 100%);
  border-bottom: 1px solid rgba(197, 160, 89, 0.2);
}
.page-hero-inner {
  max-width: 820px;
}
.page-hero h1 {
  font-size: clamp(2.3rem, 4vw, 3.4rem);
  margin-top: 0.85rem;
  margin-bottom: 1rem;
  color: var(--color-primary);
}
.page-hero p {
  font-size: 1.15rem;
  color: var(--color-text-body);
  line-height: 1.7;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--color-slate-500);
  margin-bottom: 1rem;
}
.breadcrumb a:hover {
  color: var(--color-gold-dark);
}
.breadcrumb span.current {
  color: var(--color-gold-dark);
  font-weight: 700;
}

/* ==========================================================================
   INSURANCE DEDICATED PAGE COMPONENTS
   ========================================================================== */
.service-details-grid {
  display: grid;
  grid-template-columns: 2fr 1.1fr;
  gap: 3.5rem;
  padding: 4.5rem 0;
}

.coverage-breakdown {
  margin-bottom: 3.5rem;
}
.coverage-card-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-top: 1.5rem;
}
.coverage-item-card {
  padding: 1.75rem;
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  background: rgba(255, 255, 255, 0.92);
}
.coverage-item-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(197, 160, 89, 0.12);
  color: var(--color-gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
}
.coverage-item-text h4 {
  font-size: 1.2rem;
  margin-bottom: 0.35rem;
  color: var(--color-primary);
}
.coverage-item-text p {
  font-size: 0.95rem;
  color: var(--color-text-body);
}

/* Sidebar Quote Widget */
.sidebar-sticky {
  position: sticky;
  top: 100px;
}
.sidebar-quote-card {
  padding: 2.25rem;
  border: 1px solid rgba(197, 160, 89, 0.35);
  background: rgba(255, 255, 255, 0.95);
}

/* FAQ Accordion */
.faq-section {
  padding: 4rem 0;
}
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 850px;
  margin: 0 auto;
}
.faq-item {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(197, 160, 89, 0.25);
  background: #ffffff;
}
.faq-question {
  width: 100%;
  padding: 1.35rem 1.75rem;
  background: #ffffff;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--color-primary);
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  text-align: left;
  cursor: pointer;
}
.faq-question:hover {
  background: rgba(197, 160, 89, 0.08);
  color: var(--color-gold-dark);
}
.faq-question i {
  transition: transform var(--transition-fast);
  color: var(--color-gold-dark);
}
.faq-item.active .faq-question i {
  transform: rotate(180deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-normal);
  background: #f8fafc;
  padding: 0 1.75rem;
}
.faq-item.active .faq-answer {
  max-height: 300px;
  padding: 1.25rem 1.75rem;
}
.faq-answer p {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--color-text-body);
}

/* ==========================================================================
   QUOTE CALCULATOR WIZARD
   ========================================================================== */
.wizard-container {
  max-width: 900px;
  margin: 3rem auto 6rem;
  padding: 3rem;
  border: 1px solid rgba(197, 160, 89, 0.35);
  background: rgba(255, 255, 255, 0.96);
}

.wizard-steps-indicator {
  display: flex;
  justify-content: space-between;
  margin-bottom: 3rem;
  position: relative;
}
.wizard-steps-indicator::before {
  content: '';
  position: absolute;
  top: 18px;
  left: 30px;
  right: 30px;
  height: 2px;
  background: rgba(197, 160, 89, 0.25);
  z-index: 0;
}
.wizard-step-node {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
}
.step-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #f1f5f9;
  border: 2px solid rgba(197, 160, 89, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--color-slate-500);
  font-size: 0.9rem;
  transition: all var(--transition-fast);
}
.wizard-step-node.active .step-circle {
  background: linear-gradient(135deg, #dfba6a 0%, #c5a059 100%);
  color: #ffffff;
  border-color: #dfba6a;
  box-shadow: 0 0 16px rgba(197, 160, 89, 0.45);
}
.wizard-step-node.completed .step-circle {
  background: #967530;
  border-color: #967530;
  color: #ffffff;
}
.step-title {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--color-slate-500);
}
.wizard-step-node.active .step-title {
  color: var(--color-gold-dark);
}

.wizard-step-pane {
  display: none;
}
.wizard-step-pane.active {
  display: block;
  animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.plan-selection-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
  margin-bottom: 2rem;
}
.plan-option-card {
  padding: 1.5rem;
  border-radius: var(--radius-md);
  border: 1.5px solid rgba(197, 160, 89, 0.25);
  background: #ffffff;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-align: center;
}
.plan-option-card:hover {
  border-color: var(--color-gold);
}
.plan-option-card.selected {
  border-color: var(--color-gold);
  background: rgba(197, 160, 89, 0.12);
  box-shadow: 0 8px 24px rgba(197, 160, 89, 0.2);
}
.plan-icon {
  font-size: 2rem;
  color: var(--color-gold-dark);
  margin-bottom: 0.75rem;
}
.plan-option-card h4 {
  color: var(--color-primary);
  margin-bottom: 0.35rem;
}

.live-estimate-box {
  background: linear-gradient(135deg, #0a1118 0%, #162436 100%);
  border: 1.5px solid rgba(197, 160, 89, 0.5);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  margin: 2rem 0;
  text-align: center;
}
.estimate-price {
  font-family: var(--font-heading);
  font-size: 3.2rem;
  font-weight: 800;
  color: var(--color-gold-light);
}
.estimate-subtitle {
  font-size: 0.95rem;
  color: #cbd5e1;
}

.wizard-nav-buttons {
  display: flex;
  justify-content: space-between;
  margin-top: 2.5rem;
}

/* ==========================================================================
   CONSULTATION MODAL & TOAST
   ========================================================================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 17, 24, 0.75);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-normal);
  padding: 1.5rem;
}
.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}
.modal-dialog {
  max-width: 600px;
  width: 100%;
  padding: 2.75rem;
  position: relative;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(197, 160, 89, 0.4);
  box-shadow: 0 25px 60px -15px rgba(15, 23, 42, 0.25);
  transform: scale(0.92);
  transition: transform var(--transition-normal);
}
.modal-overlay.active .modal-dialog {
  transform: scale(1);
}
.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  background: transparent;
  border: none;
  color: var(--color-slate-400);
  font-size: 1.25rem;
  cursor: pointer;
  transition: color var(--transition-fast);
}
.modal-close-btn:hover {
  color: var(--color-gold-dark);
}

/* Floating Consultation Button */
.floating-cta-btn {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 99;
  box-shadow: 0 10px 30px rgba(197, 160, 89, 0.45);
}

/* Toast */
.toast-notice {
  position: fixed;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background: #0a1118;
  border: 1px solid var(--color-gold);
  color: #ffffff;
  padding: 1rem 1.85rem;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.92rem;
  font-weight: 600;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.35);
  z-index: 9999;
  opacity: 0;
  transition: all var(--transition-normal);
  pointer-events: none;
}
.toast-notice.show {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}

/* ==========================================================================
   RESPONSIVE DESIGN (TABLET & MOBILE)
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .spotlight-card {
    grid-template-columns: 1fr;
    gap: 2.5rem;
    padding: 2.5rem;
  }
  .value-banner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
    padding: 2.5rem;
  }
  .trust-grid {
    grid-template-columns: 1fr;
  }
  .footer-top {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
  .service-details-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .top-bar {
    display: none;
  }
  header.main-header {
    padding-top: 15px;
    padding-bottom: 15px;
    height: auto;
  }
  .header-container {
    height: auto;
  }
  .brand-logo-img {
    height: 85px;
  }
  .mobile-toggle {
    display: block;
  }
  .nav-menu {
    position: fixed;
    top: 115px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #ffffff;
    flex-direction: column;
    padding: 2rem 1.5rem;
    gap: 1rem;
    align-items: stretch;
    transform: translateX(100%);
    transition: transform var(--transition-normal);
    overflow-y: auto;
  }
  .nav-menu.active {
    transform: translateX(0);
  }
  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    background: #f8fafc;
    margin-top: 0.5rem;
    width: 100%;
  }
  .hero-section {
    padding: 3rem 0 4rem;
    min-height: auto;
  }
  .hero-stats-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
  .hero-quote-card {
    padding: 1.75rem;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .footer-top {
    grid-template-columns: 1fr;
  }
  .wizard-container {
    padding: 1.75rem;
  }
  .wizard-steps-indicator {
    flex-wrap: wrap;
    gap: 1rem;
  }
  .wizard-steps-indicator::before {
    display: none;
  }
  .modal-dialog {
    padding: 2rem 1.5rem;
  }
}