/* ==========================================================================
   INSURANCE HELP SUPPORT - DESIGN SYSTEM & STYLESHEET
   Bespoke Executive Agency Styling for Auto Insurance Advisory
   ========================================================================== */

:root {
  --color-bg-main: #0B1120;
  --color-bg-surface: #0F172A;
  --color-bg-card: #1E293B;
  --color-bg-card-hover: #273549;
  --color-light-bg: #F8FAFC;
  --color-light-surface: #FFFFFF;
  --color-light-border: #E2E8F0;
  
  --color-primary: #2563EB;
  --color-primary-hover: #1D4ED8;
  --color-primary-glow: rgba(37, 99, 235, 0.25);
  
  --color-accent: #0EA5E9;
  --color-accent-emerald: #10B981;
  --color-accent-amber: #F59E0B;
  
  --color-text-dark: #0F172A;
  --color-text-muted: #64748B;
  --color-text-light: #F8FAFC;
  --color-text-light-muted: #94A3B8;
  
  --border-light: 1px solid #E2E8F0;
  --border-dark: 1px solid rgba(255, 255, 255, 0.08);
  --border-dark-hover: 1px solid rgba(14, 165, 233, 0.35);
  
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
  --shadow-glow: 0 0 25px rgba(37, 99, 235, 0.35);
  
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  
  --font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-family: var(--font-family);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text-dark);
  background-color: var(--color-light-bg);
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  overflow-x: hidden;
  padding-bottom: 76px; /* Space for mobile sticky call bar on mobile */
}

@media (min-width: 768px) {
  body {
    padding-bottom: 0;
  }
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

img, svg {
  display: block;
  max-width: 100%;
}

button, input, select, textarea {
  font: inherit;
}

/* ==========================================================================
   DISCLAIMER BANNER (MANDATORY REGULATORY REQUIREMENT)
   ========================================================================== */
.top-disclaimer-bar {
  background: linear-gradient(90deg, #09101d 0%, #152238 100%);
  color: #CBD5E1;
  font-size: 0.785rem;
  padding: 8px 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  position: relative;
  z-index: 101;
}

.top-disclaimer-content {
  max-width: 1200px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}

.disclaimer-badge {
  background: rgba(245, 158, 11, 0.15);
  color: #FBBF24;
  border: 1px solid rgba(245, 158, 11, 0.35);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.7rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.top-disclaimer-text strong {
  color: #F8FAFC;
  font-weight: 600;
}

/* ==========================================================================
   NAVIGATION BAR
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: var(--border-light);
  box-shadow: 0 4px 20px -5px rgba(0, 0, 0, 0.03);
  transition: all var(--transition-normal);
}

.nav-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1D4ED8 0%, #0EA5E9 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
  flex-shrink: 0;
}

.logo-text-wrap {
  display: flex;
  flex-direction: column;
}

.logo-name {
  font-size: 1.15rem;
  font-weight: 800;
  color: #0F172A;
  letter-spacing: -0.02em;
  line-height: 1.2;
}

.logo-tagline {
  font-size: 0.685rem;
  font-weight: 600;
  color: #2563EB;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.nav-links {
  display: none;
  align-items: center;
  gap: 28px;
  list-style: none;
}

@media (min-width: 960px) {
  .nav-links {
    display: flex;
  }
}

.nav-link {
  font-size: 0.93rem;
  font-weight: 600;
  color: #334155;
  transition: color var(--transition-fast);
  position: relative;
  padding: 6px 0;
}

.nav-link:hover, .nav-link.active {
  color: #2563EB;
}

.nav-link::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: #2563EB;
  transition: width var(--transition-fast);
  border-radius: 2px;
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.hotline-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  color: #1D4ED8;
  font-weight: 700;
  font-size: 0.88rem;
  transition: all var(--transition-fast);
}

.hotline-pill:hover {
  background: #2563EB;
  color: #FFFFFF;
  border-color: #2563EB;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
  transform: translateY(-1px);
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #10B981;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulse-ring 2s infinite;
}

@keyframes pulse-ring {
  0% {
    box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  }
  70% {
    box-shadow: 0 0 0 8px rgba(16, 185, 129, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(16, 185, 129, 0);
  }
}

.mobile-nav-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 6px;
}

@media (min-width: 960px) {
  .mobile-nav-toggle {
    display: none;
  }
}

.mobile-nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background-color: #0F172A;
  transition: all 0.3s;
}

/* Mobile Dropdown Menu */
.mobile-nav-drawer {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background: #FFFFFF;
  border-bottom: 2px solid #E2E8F0;
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.1);
  padding: 24px;
}

.mobile-nav-drawer.open {
  display: block;
  animation: slideDown 0.3s ease-out forwards;
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.mobile-nav-list a {
  font-size: 1.05rem;
  font-weight: 600;
  color: #1E293B;
  display: block;
  padding: 8px 0;
}

/* ==========================================================================
   BUTTONS & UI ELEMENTS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: -0.01em;
  cursor: pointer;
  transition: all var(--transition-normal);
  border: 1px solid transparent;
  outline: none;
}

.btn-primary {
  background: linear-gradient(135deg, #2563EB 0%, #1D4ED8 100%);
  color: #FFFFFF;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.35);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #1D4ED8 0%, #1E40AF 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.45);
}

.btn-accent {
  background: linear-gradient(135deg, #0EA5E9 0%, #0284C7 100%);
  color: #FFFFFF;
  box-shadow: 0 4px 14px rgba(14, 165, 233, 0.35);
}

.btn-accent:hover {
  background: linear-gradient(135deg, #0284C7 0%, #0369A1 100%);
  transform: translateY(-2px);
}

.btn-outline-light {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #FFFFFF;
  backdrop-filter: blur(8px);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-2px);
}

.btn-outline-dark {
  background: #FFFFFF;
  border: 1px solid #CBD5E1;
  color: #1E293B;
}

.btn-outline-dark:hover {
  background: #F8FAFC;
  border-color: #94A3B8;
  color: #0F172A;
  transform: translateY(-1px);
}

.btn-call-gold {
  background: linear-gradient(135deg, #10B981 0%, #059669 100%);
  color: #FFFFFF;
  box-shadow: 0 4px 16px rgba(16, 185, 129, 0.35);
}

.btn-call-gold:hover {
  background: linear-gradient(135deg, #059669 0%, #047857 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(16, 185, 129, 0.45);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero-section {
  position: relative;
  background: radial-gradient(circle at 80% 20%, #1E293B 0%, #0B1120 70%);
  color: #FFFFFF;
  padding: 80px 24px 100px;
  overflow: hidden;
}

.hero-bg-shapes {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 1;
}

.hero-glow-1 {
  position: absolute;
  top: -150px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.18) 0%, transparent 70%);
  filter: blur(60px);
}

.hero-glow-2 {
  position: absolute;
  bottom: -200px;
  left: -100px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.12) 0%, transparent 70%);
  filter: blur(80px);
}

.hero-container {
  max-width: 1240px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: 50px;
  align-items: center;
}

@media (min-width: 1024px) {
  .hero-container {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(37, 99, 235, 0.15);
  border: 1px solid rgba(59, 130, 246, 0.3);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  color: #60A5FA;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  width: fit-content;
}

.hero-headline {
  font-size: 2.5rem;
  line-height: 1.15;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: #FFFFFF;
}

@media (min-width: 768px) {
  .hero-headline {
    font-size: 3.4rem;
  }
}

.hero-headline .text-gradient {
  background: linear-gradient(135deg, #60A5FA 0%, #38BDF8 50%, #A78BFA 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subhead {
  font-size: 1.15rem;
  line-height: 1.65;
  color: #94A3B8;
  max-width: 620px;
}

.hero-subhead strong {
  color: #E2E8F0;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  margin-top: 8px;
}

.hero-disclaimer-card {
  margin-top: 16px;
  background: rgba(15, 23, 42, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-left: 4px solid #F59E0B;
  border-radius: var(--radius-md);
  padding: 14px 18px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.hero-disclaimer-icon {
  color: #F59E0B;
  flex-shrink: 0;
  margin-top: 2px;
}

.hero-disclaimer-text {
  font-size: 0.82rem;
  line-height: 1.45;
  color: #CBD5E1;
}

.hero-disclaimer-text strong {
  color: #F8FAFC;
}

/* Hero Right: Consultation Card */
.hero-card {
  background: rgba(30, 41, 59, 0.75);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-xl);
  padding: 32px;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5), inset 0 1px 0 rgba(255, 255, 255, 0.1);
  position: relative;
}

.hero-card-header {
  margin-bottom: 24px;
}

.hero-card-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  color: #38BDF8;
  letter-spacing: 0.08em;
  margin-bottom: 6px;
}

.hero-card-title {
  font-size: 1.5rem;
  font-weight: 800;
  color: #FFFFFF;
  letter-spacing: -0.02em;
}

.hero-card-desc {
  font-size: 0.88rem;
  color: #94A3B8;
  margin-top: 4px;
}

/* Consultation Form Inside Hero Card */
.consult-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: #E2E8F0;
}

.form-control {
  background: rgba(15, 23, 42, 0.8);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: #FFFFFF;
  padding: 12px 14px;
  border-radius: var(--radius-md);
  font-size: 0.92rem;
  outline: none;
  transition: all var(--transition-fast);
  width: 100%;
}

.form-control:focus {
  border-color: #38BDF8;
  box-shadow: 0 0 0 3px rgba(56, 189, 248, 0.2);
  background: rgba(15, 23, 42, 0.95);
}

.form-control::placeholder {
  color: #64748B;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-helper {
  font-size: 0.75rem;
  color: #94A3B8;
  line-height: 1.4;
}

.form-privacy-note {
  font-size: 0.72rem;
  color: #64748B;
  text-align: center;
  line-height: 1.4;
}

.form-privacy-note a {
  color: #94A3B8;
  text-decoration: underline;
}

/* Form Alert/Status message */
.form-status {
  padding: 12px;
  border-radius: var(--radius-md);
  font-size: 0.88rem;
  font-weight: 500;
  display: none;
}

.form-status.success {
  display: block;
  background: rgba(16, 185, 129, 0.15);
  border: 1px solid rgba(16, 185, 129, 0.4);
  color: #34D399;
}

.form-status.error {
  display: block;
  background: rgba(239, 68, 68, 0.15);
  border: 1px solid rgba(239, 68, 68, 0.4);
  color: #F87171;
}

/* ==========================================================================
   TRUST BAR / ADVISORY PROMISES (NO FAKE METRICS)
   ========================================================================== */
.trust-strip {
  background: #FFFFFF;
  border-bottom: var(--border-light);
  padding: 24px;
}

.trust-container {
  max-width: 1240px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: 20px;
}

@media (min-width: 640px) {
  .trust-container {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .trust-container {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 10px;
}

.trust-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: #F1F5F9;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #2563EB;
  flex-shrink: 0;
}

.trust-text h4 {
  font-size: 0.92rem;
  font-weight: 700;
  color: #0F172A;
  margin-bottom: 2px;
}

.trust-text p {
  font-size: 0.78rem;
  color: #64748B;
  line-height: 1.35;
}

/* ==========================================================================
   INTERACTIVE AUTO POLICY ADVISORY TOOL (HIGH-END FEATURE)
   ========================================================================== */
.interactive-tool-section {
  padding: 80px 24px;
  background: #FFFFFF;
  border-bottom: var(--border-light);
}

.section-container {
  max-width: 1240px;
  margin: 0 auto;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 50px;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  color: #2563EB;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 10px;
}

.section-title {
  font-size: 2.1rem;
  font-weight: 800;
  color: #0F172A;
  letter-spacing: -0.02em;
  line-height: 1.25;
  margin-bottom: 16px;
}

@media (min-width: 768px) {
  .section-title {
    font-size: 2.5rem;
  }
}

.section-desc {
  font-size: 1.05rem;
  color: #64748B;
  line-height: 1.6;
}

.tool-wrapper {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-xl);
  padding: 36px 28px;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
}

@media (min-width: 960px) {
  .tool-wrapper {
    grid-template-columns: 1.1fr 0.9fr;
    padding: 44px;
  }
}

.tool-controls {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.tool-step-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: #1E293B;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.tool-step-badge {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #2563EB;
  color: #FFFFFF;
  font-size: 0.75rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.tool-options-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 10px;
}

.tool-opt-btn {
  background: #FFFFFF;
  border: 1.5px solid #CBD5E1;
  border-radius: var(--radius-md);
  padding: 12px 14px;
  text-align: left;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.tool-opt-btn:hover {
  border-color: #93C5FD;
  background: #F0F7FF;
}

.tool-opt-btn.active {
  border-color: #2563EB;
  background: #EFF6FF;
  box-shadow: 0 0 0 2px rgba(37, 99, 235, 0.2);
}

.tool-opt-btn h5 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0F172A;
  margin-bottom: 2px;
}

.tool-opt-btn p {
  font-size: 0.72rem;
  color: #64748B;
}

/* Tool output card */
.tool-result-card {
  background: #0F172A;
  color: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.tool-result-card::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.2) 0%, transparent 70%);
}

.result-header {
  position: relative;
  z-index: 2;
  margin-bottom: 20px;
}

.result-eyebrow {
  font-size: 0.72rem;
  font-weight: 700;
  color: #38BDF8;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.result-title {
  font-size: 1.4rem;
  font-weight: 800;
  margin-top: 4px;
}

.result-recommendations {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}

.result-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: #CBD5E1;
  line-height: 1.45;
}

.result-check {
  color: #10B981;
  flex-shrink: 0;
  margin-top: 2px;
}

.result-cta {
  position: relative;
  z-index: 2;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 20px;
}

.result-phone-highlight {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}

.result-phone-label {
  font-size: 0.78rem;
  color: #94A3B8;
}

.result-phone-val {
  font-size: 1.25rem;
  font-weight: 800;
  color: #F8FAFC;
}

/* ==========================================================================
   CORE CONSULTING SERVICES (STRICTLY AUTO INSURANCE)
   ========================================================================== */
.services-section {
  padding: 90px 24px;
  background: #F8FAFC;
}

.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}

@media (min-width: 640px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-lg);
  padding: 32px 26px;
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
  position: relative;
}

.service-card:hover {
  transform: translateY(-6px);
  border-color: #93C5FD;
  box-shadow: 0 20px 30px -10px rgba(37, 99, 235, 0.12);
}

.service-icon-wrap {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: #EFF6FF;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #2563EB;
  margin-bottom: 22px;
  transition: all var(--transition-fast);
}

.service-card:hover .service-icon-wrap {
  background: #2563EB;
  color: #FFFFFF;
  box-shadow: 0 8px 16px rgba(37, 99, 235, 0.25);
}

.service-card-title {
  font-size: 1.2rem;
  font-weight: 700;
  color: #0F172A;
  margin-bottom: 12px;
  line-height: 1.35;
}

.service-card-desc {
  font-size: 0.92rem;
  color: #64748B;
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.service-features-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  border-top: 1px solid #F1F5F9;
  padding-top: 16px;
}

.service-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: #334155;
}

.service-feature svg {
  color: #10B981;
  flex-shrink: 0;
}

/* ==========================================================================
   ADVISORY VS DIRECT UNDERWRITER COMPARISON TABLE
   (Clarifies that we are an advisory/consulting firm, not an insurance company)
   ========================================================================== */
.comparison-section {
  padding: 90px 24px;
  background: #FFFFFF;
}

.comparison-card-wrapper {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.table-responsive {
  width: 100%;
  overflow-x: auto;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.comparison-table th,
.comparison-table td {
  padding: 20px 24px;
  border-bottom: 1px solid #F1F5F9;
}

.comparison-table th {
  background: #F8FAFC;
  font-size: 0.95rem;
  font-weight: 800;
  color: #0F172A;
}

.comparison-table th.highlight-col {
  background: #EFF6FF;
  color: #1D4ED8;
  border-bottom: 2px solid #2563EB;
}

.comparison-table td {
  font-size: 0.92rem;
  color: #475569;
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table td.highlight-cell {
  background: rgba(239, 246, 255, 0.4);
  font-weight: 600;
  color: #1E293B;
}

.check-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #059669;
  font-weight: 700;
  font-size: 0.86rem;
}

.cross-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #94A3B8;
  font-size: 0.86rem;
}

/* ==========================================================================
   THE 4-STEP ADVISORY PROCESS
   ========================================================================== */
.process-section {
  padding: 90px 24px;
  background: linear-gradient(180deg, #0B1120 0%, #152033 100%);
  color: #FFFFFF;
}

.process-section .section-title {
  color: #FFFFFF;
}

.process-section .section-desc {
  color: #94A3B8;
}

.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  position: relative;
}

@media (min-width: 640px) {
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .process-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.process-card {
  background: rgba(30, 41, 59, 0.5);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  position: relative;
  transition: all var(--transition-normal);
}

.process-card:hover {
  background: rgba(30, 41, 59, 0.85);
  border-color: rgba(56, 189, 248, 0.4);
  transform: translateY(-4px);
}

.process-num {
  font-size: 2.5rem;
  font-weight: 900;
  background: linear-gradient(135deg, #38BDF8 0%, #2563EB 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 14px;
  line-height: 1;
}

.process-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 10px;
}

.process-desc {
  font-size: 0.88rem;
  color: #94A3B8;
  line-height: 1.6;
}

/* ==========================================================================
   FAQ SECTION (ACCORDION)
   ========================================================================== */
.faq-section {
  padding: 90px 24px;
  background: #FFFFFF;
}

.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-md);
  background: #FFFFFF;
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-item.active {
  border-color: #93C5FD;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.08);
}

.faq-question {
  width: 100%;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: transparent;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 700;
  color: #0F172A;
}

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #F1F5F9;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #64748B;
  transition: transform var(--transition-normal);
  flex-shrink: 0;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: #EFF6FF;
  color: #2563EB;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease-out;
  padding: 0 24px;
  color: #475569;
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-item.active .faq-answer {
  padding-bottom: 22px;
}

/* ==========================================================================
   CALL-TO-ACTION SECTION
   ========================================================================== */
.cta-banner {
  padding: 80px 24px;
  background: radial-gradient(circle at center, #1E3A8A 0%, #0F172A 100%);
  color: #FFFFFF;
  text-align: center;
  position: relative;
}

.cta-box {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}

.cta-title {
  font-size: 2.2rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.cta-subtitle {
  font-size: 1.1rem;
  color: #BFDBFE;
  max-width: 620px;
}

.cta-buttons {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
  margin-top: 10px;
}

/* ==========================================================================
   FOOTER (BESPOKE AGENCY FINISH + CEO MENTION FOR CRAWL)
   ========================================================================== */
.site-footer {
  background: #0B1120;
  color: #94A3B8;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 70px 24px 30px;
  font-size: 0.9rem;
}

.footer-container {
  max-width: 1240px;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

@media (min-width: 640px) {
  .footer-top {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-top {
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  }
}

.footer-brand p {
  margin-top: 14px;
  font-size: 0.88rem;
  line-height: 1.6;
  color: #94A3B8;
}

.footer-brand .disclaimer-micro {
  margin-top: 14px;
  font-size: 0.76rem;
  color: #64748B;
  line-height: 1.5;
  background: rgba(255, 255, 255, 0.03);
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  border-left: 2px solid #F59E0B;
}

.footer-heading {
  font-size: 0.95rem;
  font-weight: 700;
  color: #F8FAFC;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 18px;
}

.footer-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-nav-list a {
  color: #94A3B8;
  transition: color var(--transition-fast);
  display: inline-block;
}

.footer-nav-list a:hover {
  color: #38BDF8;
  transform: translateX(3px);
}

.footer-contact-info {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
}

.footer-contact-item svg {
  color: #38BDF8;
  flex-shrink: 0;
  margin-top: 3px;
}

.footer-contact-item a {
  color: #CBD5E1;
}

.footer-contact-item a:hover {
  color: #38BDF8;
}

/* Mandatory bottom compliance & subtle CEO mention */
.footer-compliance-row {
  padding: 24px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 0.78rem;
  color: #64748B;
  line-height: 1.6;
  text-align: center;
}

.footer-compliance-row strong {
  color: #94A3B8;
}

/* Subtle CEO Mention for Search Engines (Brandon Devereaux) */
.corporate-entity-meta {
  font-size: 0.72rem;
  color: #475569;
  letter-spacing: 0.01em;
  margin-top: 6px;
}

.footer-bottom {
  padding-top: 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  font-size: 0.8rem;
  color: #64748B;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
  }
}

.footer-legal-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-legal-links a {
  color: #94A3B8;
}

.footer-legal-links a:hover {
  color: #F8FAFC;
}

/* ==========================================================================
   MOBILE FULL-WIDTH STICKY CALL BUTTON (MANDATORY REQUIREMENT)
   "mobile screen pr bottom pr full width k sth sticky button lga ho jis pr mera number clearly show horha ho or us pr click krne sy foran call hojae"
   ========================================================================== */
.mobile-sticky-call-bar {
  display: flex;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: #09111E;
  padding: 10px 14px;
  box-shadow: 0 -8px 25px rgba(0, 0, 0, 0.4);
  z-index: 999;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

@media (min-width: 768px) {
  .mobile-sticky-call-bar {
    display: none !important; /* Visible on mobile screens as requested */
  }
}

.mobile-call-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  width: 100%;
  background: linear-gradient(135deg, #10B981 0%, #059669 100%);
  color: #FFFFFF;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: 0.01em;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.4);
  animation: pulse-button 2.5s infinite;
}

.mobile-call-btn:active {
  transform: scale(0.98);
}

.mobile-call-btn svg {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
}

@keyframes pulse-button {
  0% {
    box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.6);
  }
  70% {
    box-shadow: 0 0 0 12px rgba(16, 185, 129, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(16, 185, 129, 0);
  }
}

/* ==========================================================================
   LEGAL / POLICY PAGES SPECIFIC STYLING
   ========================================================================== */
.legal-header {
  background: #0B1120;
  color: #FFFFFF;
  padding: 60px 24px;
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.legal-header h1 {
  font-size: 2.4rem;
  font-weight: 800;
  margin-bottom: 10px;
}

.legal-header p {
  color: #94A3B8;
  font-size: 0.95rem;
}

.legal-content-container {
  max-width: 900px;
  margin: 50px auto 80px;
  padding: 40px;
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  border: var(--border-light);
  box-shadow: var(--shadow-sm);
  color: #334155;
  line-height: 1.8;
}

.legal-content-container h2 {
  font-size: 1.4rem;
  font-weight: 800;
  color: #0F172A;
  margin-top: 32px;
  margin-bottom: 12px;
  padding-bottom: 6px;
  border-bottom: 1px solid #F1F5F9;
}

.legal-content-container h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: #1E293B;
  margin-top: 24px;
  margin-bottom: 8px;
}

.legal-content-container p {
  margin-bottom: 16px;
  font-size: 0.95rem;
}

.legal-content-container ul, .legal-content-container ol {
  margin-bottom: 20px;
  padding-left: 24px;
}

.legal-content-container li {
  margin-bottom: 8px;
}

.legal-notice-box {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  border-left: 4px solid #2563EB;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  margin: 24px 0;
  font-size: 0.92rem;
  color: #1E3A8A;
}

/* ==========================================================================
   CONTACT PAGE SPECIFIC STYLING
   ========================================================================== */
.contact-page-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-top: 40px;
}

@media (min-width: 960px) {
  .contact-page-grid {
    grid-template-columns: 1fr 1.3fr;
  }
}

.contact-info-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-info-card {
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-lg);
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}

.contact-info-card:hover {
  border-color: #93C5FD;
  box-shadow: var(--shadow-md);
}

.contact-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: #EFF6FF;
  color: #2563EB;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-card-body h4 {
  font-size: 1.05rem;
  font-weight: 700;
  color: #0F172A;
  margin-bottom: 4px;
}

.contact-card-body p {
  font-size: 0.9rem;
  color: #64748B;
  line-height: 1.5;
}

.contact-card-body a {
  color: #2563EB;
  font-weight: 600;
}

/* ==========================================================================
   FLOATING ACTION BUTTON (DESKTOP)
   ========================================================================== */
.floating-call-pill {
  display: none;
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: #0F172A;
  color: #FFFFFF;
  padding: 12px 22px;
  border-radius: var(--radius-full);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.15);
  z-index: 90;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-size: 0.92rem;
  transition: all var(--transition-normal);
}

@media (min-width: 768px) {
  .floating-call-pill {
    display: inline-flex;
  }
  .floating-call-pill:hover {
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 14px 30px rgba(0, 0, 0, 0.45);
    background: #1E293B;
  }
}

.floating-call-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #10B981;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
}