/* ==========================================================================
   AL AMAL INSURANCE — SHARED DESIGN SYSTEM
   Base extracted from the approved homepage. Do not alter tokens/header/footer.
   ========================================================================== */
:root{
  --primary:#0A4FAF;
  --primary-dark:#073A82;
  --primary-light:#1A63CC;
  --secondary:#18A558;
  --gold:#D4AF37;
  --gold-light:#E8C766;
  --navy:#0B1F3A;
  --bg-light:#F5F7FA;
  --white:#FFFFFF;
  --gray:#6B7280;
  --gray-light:#E5E9F0;
  --radius:20px;
  --radius-sm:12px;
  --shadow-sm:0 4px 16px rgba(10,40,90,0.06);
  --shadow-md:0 12px 32px rgba(10,40,90,0.10);
  --shadow-lg:0 24px 60px rgba(10,40,90,0.16);
  --ease:cubic-bezier(.22,.9,.32,1);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  font-family:'Inter',sans-serif;
  color:var(--navy);
  background:var(--white);
  overflow-x:hidden;
  line-height:1.6;
}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;font-weight:700;line-height:1.2;color:var(--navy);}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
img{max-width:100%;display:block;}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
.container{max-width:1240px;margin:0 auto;padding:0 24px;}
section{position:relative;}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:'Poppins',sans-serif;font-weight:600;font-size:13px;letter-spacing:1.5px;
  text-transform:uppercase;color:var(--secondary);
  background:rgba(24,165,88,0.08);
  padding:8px 16px;border-radius:999px;margin-bottom:18px;
}
.eyebrow i{color:var(--gold);}
.section-head{max-width:680px;margin-bottom:56px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(28px,4vw,42px);margin-bottom:16px;}
.section-head p{color:var(--gray);font-size:17px;}
.gold-underline{position:relative;display:inline-block;}
.gold-underline::after{
  content:'';position:absolute;left:0;bottom:2px;width:100%;height:10px;
  background:linear-gradient(90deg,rgba(212,175,55,.35),rgba(212,175,55,0));
  z-index:-1;
}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 32px;border-radius:14px;font-family:'Poppins',sans-serif;
  font-weight:600;font-size:15px;transition:all .35s var(--ease);white-space:nowrap;
}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 10px 24px rgba(10,79,175,.28);}
.btn-primary:hover{background:var(--primary-dark);transform:translateY(-3px);box-shadow:0 16px 32px rgba(10,79,175,.36);}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:#1a1200;box-shadow:0 10px 24px rgba(212,175,55,.35);}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 16px 32px rgba(212,175,55,.45);}
.btn-outline{background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.5);color:#fff;backdrop-filter:blur(8px);}
.btn-outline:hover{background:rgba(255,255,255,.18);transform:translateY(-3px);}
.btn-outline-dark{border:1.5px solid var(--gray-light);color:var(--navy);}
.btn-outline-dark:hover{border-color:var(--primary);color:var(--primary);transform:translateY(-3px);}
.btn-sm{padding:11px 22px;font-size:14px;border-radius:11px;}
.btn-block{width:100%;}

/* NAV */
header{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  padding:18px 0;transition:all .4s var(--ease);
}
header.scrolled{
  background:rgba(255,255,255,.85);backdrop-filter:blur(16px) saturate(180%);
  box-shadow:0 2px 24px rgba(10,40,90,.08);padding:12px 0;
  color: #000 !important;
}
header.scrolled .logo{
  color: black !important;
}
nav{display:flex;align-items:center;justify-content:space-between;color: #000 !important;}
.logo{color: white !important;display:flex;align-items:center;gap:10px;font-family:'Poppins',sans-serif;font-weight:800;font-size:22px;color:var(--navy);}
header.scrolled .logo,
.logo.on-light{color:var(--navy);}
.logo .mark{
  width:42px;height:42px;border-radius:12px;
  background:linear-gradient(135deg,var(--primary),var(--secondary));
  display:flex;align-items:center;justify-content:center;color:#fff !important;font-size:19px;
  box-shadow:0 6px 16px rgba(10,79,175,.35);
}
.nav-links{display:flex;align-items:center;gap:30px;}
.nav-links a{
  font-family:'Poppins',sans-serif;font-weight:500;font-size:14.5px;
  color:var(--navy);position:relative;padding:4px 0;
}
header:not(.scrolled) .nav-links a{color:#fff;}
.nav-links > li > a::after{
  content:'';position:absolute;bottom:-3px;left:0;width:0;height:2px;
  background:var(--gold);transition:width .3s var(--ease);
}
.nav-links > li > a:hover::after,
.nav-links > li.active > a::after{width:100%;}
.nav-actions{display:flex;align-items:center;gap:16px;}
.nav-toggle{display:none;flex-direction:column;gap:5px;z-index:1100;}
.nav-toggle span{width:26px;height:2.5px;background:currentColor;border-radius:2px;transition:.3s;}
header:not(.scrolled) .nav-toggle{color:#fff;}
header.scrolled .nav-toggle{color:var(--navy);}

/* Dropdown (Insurance menu) */
.nav-item-dropdown{position:relative;}
.nav-item-dropdown > a{display:flex;align-items:center;gap:6px;}
.nav-item-dropdown > a i{font-size:10px;transition:transform .3s var(--ease);}
.nav-item-dropdown:hover > a i{transform:rotate(180deg);}
.dropdown-menu{
  position:absolute;top:calc(100% + 18px);left:50%;transform:translateX(-50%) translateY(8px);
  background:var(--white);border-radius:16px;box-shadow:var(--shadow-lg);
  padding:12px;min-width:240px;display:grid;gap:2px;
  opacity:0;visibility:hidden;transition:.3s var(--ease);border:1px solid var(--gray-light);
}
.nav-item-dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.dropdown-menu a{
  display:flex;align-items:center;gap:12px;padding:10px 14px;border-radius:10px;
  color:var(--navy) !important;font-size:14px;font-weight:500;
}
.dropdown-menu a::after{display:none;}
.dropdown-menu a:hover{background:var(--bg-light);color:var(--primary) !important;padding-left:18px;}
.dropdown-menu a i{width:20px;color:var(--primary);font-size:14px;}

/* HERO */
.hero{
  min-height:100vh;display:flex;align-items:center;position:relative;
  padding:140px 0 90px;overflow:hidden;
  background:linear-gradient(160deg,var(--navy) 0%,var(--primary-dark) 55%,var(--primary) 100%);
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=1800&q=70') center/cover;
  opacity:.16;mix-blend-mode:luminosity;
}
.hero-shield{
  position:absolute;right:-120px;top:50%;transform:translateY(-50%);
  width:640px;height:640px;opacity:.10;pointer-events:none;
}
.hero-grid{
  position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;
}
.hero-text .eyebrow{background:rgba(255,255,255,.1);color:var(--gold-light);border:1px solid rgba(212,175,55,.35);}
.hero-text h1{
  font-size:clamp(38px,5.2vw,64px);color:#fff;margin-bottom:22px;letter-spacing:-0.5px;
}
.hero-text h1 span{color:var(--gold-light);}
.hero-text p{color:rgba(255,255,255,.82);font-size:18px;max-width:520px;margin-bottom:36px;}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:48px;}
.hero-trust{display:flex;gap:32px;flex-wrap:wrap;}
.hero-trust div{color:#fff;}
.hero-trust strong{display:block;font-family:'Poppins',sans-serif;font-size:26px;color:var(--gold-light);}
.hero-trust span{font-size:13px;color:rgba(255,255,255,.7);}
.hero-visual{position:relative;}
.hero-card-main{
  border-radius:28px;overflow:hidden;box-shadow:var(--shadow-lg);
  border:6px solid rgba(255,255,255,.12);
}
.hero-card-main img{width:100%;height:520px;object-fit:cover;}
.float-card{
  position:absolute;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);
  border-radius:16px;padding:16px 20px;box-shadow:var(--shadow-md);
  display:flex;align-items:center;gap:12px;animation:floaty 5s ease-in-out infinite;
}
.float-card .fc-icon{
  width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:18px;color:#fff;
}
.float-card h4{font-size:15px;margin-bottom:2px;}
.float-card p{font-size:12.5px;color:var(--gray);}
.fc-1{top:8%;left:-8%;}
.fc-1 .fc-icon{background:var(--secondary);}
.fc-2{bottom:10%;right:-6%;animation-delay:1.4s;}
.fc-2 .fc-icon{background:var(--gold);}
@keyframes floaty{0%,100%{transform:translateY(0);}50%{transform:translateY(-14px);}}
.scroll-cue{
  position:absolute;bottom:28px;left:50%;transform:translateX(-50%);
  color:rgba(255,255,255,.65);display:flex;flex-direction:column;align-items:center;gap:8px;font-size:12px;letter-spacing:2px;text-transform:uppercase;z-index:2;
}
.scroll-cue .line{width:1px;height:36px;background:rgba(255,255,255,.4);position:relative;overflow:hidden;}
.scroll-cue .line::after{content:'';position:absolute;top:-100%;left:0;width:100%;height:100%;background:var(--gold);animation:scrolldown 2s ease-in-out infinite;}
@keyframes scrolldown{0%{top:-100%;}100%{top:100%;}}

/* Reveal */
.reveal{opacity:0;transform:translateY(36px);transition:opacity .8s var(--ease),transform .8s var(--ease);}
.reveal.in{opacity:1;transform:translateY(0);}
.reveal-stagger > *{opacity:0;transform:translateY(30px);transition:opacity .7s var(--ease),transform .7s var(--ease);}
.reveal-stagger.in > *{opacity:1;transform:translateY(0);}
.reveal-stagger.in > *:nth-child(1){transition-delay:.05s;}
.reveal-stagger.in > *:nth-child(2){transition-delay:.12s;}
.reveal-stagger.in > *:nth-child(3){transition-delay:.19s;}
.reveal-stagger.in > *:nth-child(4){transition-delay:.26s;}
.reveal-stagger.in > *:nth-child(5){transition-delay:.33s;}
.reveal-stagger.in > *:nth-child(6){transition-delay:.40s;}
.reveal-stagger.in > *:nth-child(7){transition-delay:.47s;}
.reveal-stagger.in > *:nth-child(8){transition-delay:.54s;}
.reveal-stagger.in > *:nth-child(9){transition-delay:.61s;}

/* ABOUT */
.about{padding:120px 0;background:var(--white);}
.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center;}
.about-visual{position:relative;}
.about-img-a{border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);}
.about-img-a img{width:100%;height:460px;object-fit:cover;}
.about-badge{
  position:absolute;bottom:-30px;left:-30px;background:var(--white);
  border-radius:20px;box-shadow:var(--shadow-lg);padding:24px 28px;
  display:flex;align-items:center;gap:16px;border:1px solid var(--gray-light);
}
.about-badge .num{font-family:'Poppins',sans-serif;font-weight:800;font-size:34px;color:var(--primary);}
.about-badge .num span{color:var(--gold);}
.about-badge p{font-size:13px;color:var(--gray);max-width:120px;}
.about-body p{color:var(--gray);font-size:16.5px;margin-bottom:18px;}
.mv-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:32px 0;}
.mv-card{
  background:var(--bg-light);border-radius:18px;padding:26px;border:1px solid var(--gray-light);
  transition:.35s var(--ease);
}
.mv-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:var(--shadow-md);}
.mv-card i{font-size:24px;color:var(--secondary);margin-bottom:14px;}
.mv-card h4{font-size:17px;margin-bottom:8px;}
.mv-card p{font-size:14px;color:var(--gray);}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;margin-top:8px;}
.trust-row .ti{display:flex;align-items:center;gap:10px;font-family:'Poppins',sans-serif;font-weight:500;font-size:14px;color:var(--navy);}
.trust-row .ti i{color:var(--secondary);font-size:16px;}

/* SERVICES */
.services{padding:120px 0;background:var(--bg-light);position:relative;}
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.service-card{
  background:var(--white);border-radius:22px;padding:36px 30px;border:1px solid var(--gray-light);
  transition:all .4s var(--ease);position:relative;overflow:hidden;
}
.service-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--primary),var(--secondary));
  transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease);
}
.service-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:transparent;}
.service-card:hover::before{transform:scaleX(1);}
.service-icon{
  width:60px;height:60px;border-radius:16px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,rgba(10,79,175,.1),rgba(24,165,88,.1));
  color:var(--primary);font-size:24px;margin-bottom:22px;transition:.4s;
}
.service-card:hover .service-icon{background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;transform:rotate(-6deg) scale(1.05);}
.service-card h3{font-size:19px;margin-bottom:10px;}
.service-card p{color:var(--gray);font-size:14.5px;margin-bottom:20px;min-height:66px;}
.card-link{display:inline-flex;align-items:center;gap:8px;font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;color:var(--primary);}
.card-link i{transition:transform .3s;font-size:12px;}
.service-card:hover .card-link i{transform:translateX(5px);}

/* WHY CHOOSE US */
.why{padding:120px 0;background:var(--navy);position:relative;overflow:hidden;color:#fff;}
.why::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 20% 20%,rgba(10,79,175,.35),transparent 45%),radial-gradient(circle at 85% 80%,rgba(24,165,88,.25),transparent 45%);
}
.why .section-head h2, .why .section-head p{color:#fff;}
.why .section-head p{color:rgba(255,255,255,.65);}
.why-grid{position:relative;z-index:2;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.why-card{
  background:rgba(255,255,255,.06);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.12);
  border-radius:20px;padding:30px 24px;transition:.4s var(--ease);
}
.why-card:hover{background:rgba(255,255,255,.11);transform:translateY(-6px);border-color:var(--gold);}
.why-card i{font-size:26px;color:var(--gold-light);margin-bottom:16px;display:block;}
.why-card h4{color:#fff;font-size:16px;margin-bottom:8px;}
.why-card p{color:rgba(255,255,255,.62);font-size:13.5px;}

/* PARTNERS */
.partners{padding:80px 0;background:var(--navy);border-top:10px solid var(--gray-light);border-bottom:1px solid var(--gray-light);}
.partners p.label{text-align:center;color:var(--white);font-size:20px;letter-spacing:2px;text-transform:uppercase;font-weight:600;margin-bottom:10px;}
.carousel-track-wrap{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);}
.carousel-track{display:flex;gap:64px;width:max-content;animation:scrollx 26s linear infinite;align-items:center;}
.carousel-track:hover{animation-play-state:paused;}
@keyframes scrollx{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.partner-logo{
  font-family:'Poppins',sans-serif;font-weight:700;font-size:20px;color:var(--white);
  display:flex;align-items:center;gap:10px;white-space:nowrap;opacity:.7;transition:.3s;
}
.partner-logo:hover{opacity:1;color:var(--primary);}
.partner-logo i{color:var(--gold);}

/* PROCESS */
.process{padding:120px 0;background:var(--bg-light);}
.process-track{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;position:relative;}
.process-track::before{
  content:'';position:absolute;top:34px;left:8%;right:8%;height:2px;
  background:repeating-linear-gradient(90deg,var(--gray-light) 0 8px,transparent 8px 16px);
}
.process-step{position:relative;text-align:center;}
.step-num{
  width:68px;height:68px;border-radius:50%;background:var(--white);border:2px solid var(--primary);
  display:flex;align-items:center;justify-content:center;margin:0 auto 22px;position:relative;z-index:2;
  font-family:'Poppins',sans-serif;font-weight:700;font-size:22px;color:var(--primary);
  box-shadow:var(--shadow-sm);transition:.35s var(--ease);
}
.process-step:hover .step-num{background:var(--primary);color:#fff;transform:scale(1.08);}
.process-step h4{font-size:16px;margin-bottom:8px;}
.process-step p{font-size:13.5px;color:var(--gray);}

/* TESTIMONIALS */
.testimonials{padding:120px 0;background:var(--white);}
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.t-card{
  background:var(--bg-light);border-radius:22px;padding:30px;border:1px solid var(--gray-light);
  transition:.4s var(--ease);
}
.t-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);background:var(--white);}
.t-stars{color:var(--gold);font-size:14px;margin-bottom:14px;}
.t-card p.quote{font-size:14.5px;color:var(--navy);margin-bottom:22px;min-height:90px;}
.t-person{display:flex;align-items:center;gap:14px;}
.t-person img{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--white);box-shadow:var(--shadow-sm);}
.t-person h5{font-size:14.5px;}
.t-person span{font-size:12.5px;color:var(--gray);}

/* STATS */
.stats{padding:100px 0;background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);position:relative;overflow:hidden;}
.stats-grid{position:relative;z-index:2;display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center;}
.stat-item strong{
  display:block;font-family:'Poppins',sans-serif;font-weight:800;font-size:clamp(34px,4.5vw,52px);color:#fff;
}
.stat-item strong .suffix{color:var(--gold-light);}
.stat-item span{color:rgba(255,255,255,.75);font-size:14.5px;font-weight:500;}

/* FAQ */
.faq{padding:10px 0;background:var(--bg-light);}
.faq-wrap{max-width:840px;margin:0 auto;}
.faq-item{
  background:var(--white);border-radius:16px;margin-bottom:14px;border:1px solid var(--gray-light);
  overflow:hidden;transition:.3s var(--ease);
}
.faq-item.active{border-color:var(--primary);box-shadow:var(--shadow-sm);}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;padding:22px 26px;
  font-family:'Poppins',sans-serif;font-weight:600;font-size:15.5px;width:100%;text-align:left;
}
.faq-q i{color:var(--primary);transition:transform .35s var(--ease);flex-shrink:0;margin-left:16px;}
.faq-item.active .faq-q i{transform:rotate(135deg);color:var(--gold);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease);}
.faq-a p{padding:0 26px 22px;color:var(--gray);font-size:14.5px;}
.faq-cats{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-bottom:44px;}
.faq-cat-btn{
  padding:10px 20px;border-radius:999px;border:1.5px solid var(--gray-light);font-family:'Poppins',sans-serif;
  font-weight:600;font-size:13.5px;color:var(--gray);transition:.3s var(--ease);background:var(--white);
}
.faq-cat-btn:hover{border-color:var(--primary);color:var(--primary);}
.faq-cat-btn.active{background:var(--primary);border-color:var(--primary);color:#fff;}

/* CONTACT */
.contact{padding:120px 0;background:var(--white);}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:50px;}
.contact-info{background:var(--navy);border-radius:24px;padding:44px 36px;color:#fff;position:relative;overflow:hidden;}
.contact-info::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 90% 10%,rgba(24,165,88,.35),transparent 50%);}
.contact-info > *{position:relative;z-index:2;}
.contact-info h3{color:#fff;font-size:24px;margin-bottom:10px;}
.contact-info p.lead{color:rgba(255,255,255,.65);font-size:14.5px;margin-bottom:32px;}
.c-item{display:flex;gap:16px;margin-bottom:24px;align-items:flex-start;}
.c-item .ci-icon{
  width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.1);display:flex;
  align-items:center;justify-content:center;color:var(--gold-light);flex-shrink:0;
}
.c-item h5{font-size:14px;color:rgba(255,255,255,.55);margin-bottom:4px;font-weight:500;}
.c-item p{font-size:15px;color:#fff;font-family:'Poppins',sans-serif;font-weight:500;}
.map-embed{
  margin-top:28px;border-radius:16px;overflow:hidden;height:160px;
  background:linear-gradient(135deg,#13315c,#0b1f3a) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="100" height="100"><path d="M0 50 H100 M50 0 V100" stroke="rgba(255,255,255,0.05)" stroke-width="1"/></svg>');
  display:flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.12);
}
.map-embed span{color:rgba(255,255,255,.6);font-size:13px;display:flex;flex-direction:column;align-items:center;gap:8px;}
.map-embed i{font-size:24px;color:var(--gold-light);}
.map-embed.large{height:340px;}
.contact-form{background:var(--bg-light);border-radius:24px;padding:44px 40px;border:1px solid var(--gray-light);}
.contact-form h3{font-size:22px;margin-bottom:6px;}
.contact-form > p{color:var(--gray);font-size:14.5px;margin-bottom:28px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px;}
.form-row.three{grid-template-columns:1fr 1fr 1fr;}
.form-group{margin-bottom:18px;display:flex;flex-direction:column;gap:8px;}
.form-group label{font-size:13px;font-weight:600;font-family:'Poppins',sans-serif;color:var(--navy);}
.form-group input,.form-group select,.form-group textarea{
  padding:14px 16px;border-radius:12px;border:1.5px solid var(--gray-light);background:#fff;
  font-family:'Inter',sans-serif;font-size:14.5px;transition:.25s;color:var(--navy);width:100%;
}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{
  outline:none;border-color:var(--primary);box-shadow:0 0 0 4px rgba(10,79,175,.1);
}
.form-group textarea{resize:vertical;min-height:100px;}
.form-note{font-size:12.5px;color:var(--gray);margin-top:10px;display:flex;align-items:center;gap:8px;}
.form-note i{color:var(--secondary);}
.form-check{display:flex;align-items:flex-start;gap:10px;margin-bottom:18px;}
.form-check input{width:auto;margin-top:3px;}
.form-check label{font-size:13.5px;color:var(--gray);font-weight:400;font-family:'Inter',sans-serif;}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.7);padding:80px 0 0;position:relative;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:60px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-brand .logo{color:#fff;margin-bottom:18px;}
.footer-brand p{font-size:14px;color:rgba(255,255,255,.55);margin-bottom:22px;max-width:280px;}
.social-row{display:flex;gap:12px;}
.social-row a{
  width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;transition:.3s;
}
.social-row a:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px);}
.footer-col h5{color:#fff;font-size:15px;margin-bottom:20px;font-family:'Poppins',sans-serif;}
.footer-col ul li{margin-bottom:12px;}
.footer-col ul li a{font-size:14px;color:rgba(255,255,255,.6);transition:.25s;}
.footer-col ul li a:hover{color:var(--gold-light);padding-left:4px;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:26px 0;font-size:13px;color:rgba(255,255,255,.45);flex-wrap:wrap;gap:12px;}
.footer-bottom a{color:rgba(255,255,255,.45);}
.footer-bottom a:hover{color:var(--gold-light);}

/* FLOATING BUTTONS */
.whatsapp-fab{
  position:fixed;bottom:28px;left:28px;width:60px;height:60px;border-radius:50%;
  background:#25D366;display:flex;align-items:center;justify-content:center;color:#fff;font-size:28px;
  box-shadow:0 10px 28px rgba(37,211,102,.45);z-index:900;transition:.3s var(--ease);
  animation:pulse 2.6s infinite;
}
.whatsapp-fab:hover{transform:scale(1.08);}
@keyframes pulse{0%{box-shadow:0 10px 28px rgba(37,211,102,.45),0 0 0 0 rgba(37,211,102,.5);}70%{box-shadow:0 10px 28px rgba(37,211,102,.45),0 0 0 16px rgba(37,211,102,0);}100%{box-shadow:0 10px 28px rgba(37,211,102,.45),0 0 0 0 rgba(37,211,102,0);}}
.back-top{
  position:fixed;bottom:28px;right:28px;width:52px;height:52px;border-radius:50%;
  background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;
  box-shadow:var(--shadow-md);z-index:900;opacity:0;visibility:hidden;transform:translateY(12px);
  transition:.3s var(--ease);
}
.back-top.show{opacity:1;visibility:visible;transform:translateY(0);}
.back-top:hover{background:var(--primary-dark);}

/* LOADER */
#loader{
  position:fixed;inset:0;background:var(--navy);z-index:9999;display:flex;align-items:center;justify-content:center;
  transition:opacity .6s var(--ease),visibility .6s var(--ease);
}
#loader.hide{opacity:0;visibility:hidden;}
.loader-mark{
  width:64px;height:64px;border-radius:18px;background:linear-gradient(135deg,var(--primary),var(--secondary));
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:26px;
  animation:loaderpulse 1.1s ease-in-out infinite;
}
@keyframes loaderpulse{0%,100%{transform:scale(1);}50%{transform:scale(1.14);}}

/* Skip link */
.skip-link{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:12px 20px;z-index:10000;border-radius:0 0 10px 0;font-weight:600;}
.skip-link:focus{left:0;}

a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline:3px solid var(--gold);outline-offset:2px;
}

/* ==========================================================================
   EXTENDED COMPONENTS — INNER PAGES
   ========================================================================== */

.img-placeholder{
  display:flex;align-items:center;justify-content:center;flex-direction:column;gap:10px;
  background:linear-gradient(135deg,var(--primary-dark),var(--navy));color:rgba(255,255,255,.55);
  width:100%;height:100%;min-height:200px;
}
.img-placeholder i{font-size:30px;color:var(--gold-light);}
.img-placeholder span{font-size:12.5px;letter-spacing:1px;text-transform:uppercase;font-weight:600;}
.img-placeholder.light{background:linear-gradient(135deg,var(--bg-light),var(--gray-light));color:var(--gray);}
.img-placeholder.light i{color:var(--primary);}

.breadcrumb-bar{background:var(--navy);padding:100px 0 10px;position:relative;overflow:hidden;}
.breadcrumb-bar::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 15% 30%,rgba(10,79,175,.35),transparent 45%),radial-gradient(circle at 90% 10%,rgba(24,165,88,.2),transparent 40%);}
.breadcrumb-bar .container{position:relative;z-index:2;}
.breadcrumb-list{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-family:'Poppins',sans-serif;font-size:13.5px;}
.breadcrumb-list a{color:rgba(255,255,255,.55);transition:.25s;}
.breadcrumb-list a:hover{color:var(--gold-light);}
.breadcrumb-list span{color:rgba(255,255,255,.3);}
.breadcrumb-list .current{color:var(--gold-light);font-weight:600;}

.page-hero{padding:64px 0 100px;position:relative;overflow:hidden;background:linear-gradient(160deg,var(--navy) 0%,var(--primary-dark) 55%,var(--primary) 100%);color:#fff;}
.page-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;}
.page-hero-text .eyebrow{background:rgba(255,255,255,.1);color:var(--gold-light);border:1px solid rgba(212,175,55,.35);}
.page-hero-text h1{font-size:clamp(32px,4.6vw,52px);color:#fff;margin-bottom:18px;}
.page-hero-text h1 span{color:var(--gold-light);}
.page-hero-text p{color:rgba(255,255,255,.82);font-size:16.5px;max-width:520px;margin-bottom:30px;}
.page-hero-facts{display:flex;gap:26px;flex-wrap:wrap;}
.page-hero-facts div strong{display:block;font-family:'Poppins',sans-serif;font-size:22px;color:var(--gold-light);}
.page-hero-facts div span{font-size:12.5px;color:rgba(255,255,255,.65);}
/* .page-hero-visual{border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);border:5px solid rgba(255,255,255,.12);height:300px;} */

.overview{padding:25px 0;}
.overview-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
/* .overview-visual{border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);} */
.overview-list{margin-top:22px;display:grid;gap:14px;}
.overview-list li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--navy);}
.overview-list li i{color:var(--secondary);margin-top:4px;}

.benefits{padding:25px 0;background:var(--bg-light);}
.benefits-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.benefit-card{background:var(--white);border:1px solid var(--gray-light);border-radius:20px;padding:30px 26px;transition:.35s var(--ease);}
.benefit-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold);}
.benefit-card i{font-size:26px;color:var(--primary);margin-bottom:16px;display:block;}
.benefit-card h4{font-size:16px;margin-bottom:8px;}
.benefit-card p{font-size:13.5px;color:var(--gray);}

.coverage{padding:110px 0;}
.coverage-table-wrap{background:var(--white);border:1px solid var(--gray-light);border-radius:22px;overflow:hidden;box-shadow:var(--shadow-sm);overflow-x:auto;}
.coverage-table{width:100%;border-collapse:collapse;min-width:640px;}
.coverage-table th{background:var(--navy);color:#fff;text-align:left;padding:18px 26px;font-family:'Poppins',sans-serif;font-size:13.5px;letter-spacing:.5px;text-transform:uppercase;font-weight:600;}
.coverage-table td{padding:18px 26px;border-top:1px solid var(--gray-light);font-size:14.5px;color:var(--navy);}
.coverage-table tr:hover td{background:var(--bg-light);}
.coverage-table td.tier{font-family:'Poppins',sans-serif;font-weight:600;color:var(--primary);}
.coverage-table i.yes{color:var(--secondary);}
.coverage-table i.no{color:#C94F4F;}

.inc-exc{padding:110px 0;background:var(--bg-light);}
.inc-exc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
.inc-exc-card{border-radius:22px;padding:36px 32px;border:1px solid var(--gray-light);background:var(--white);}
.inc-exc-card h3{display:flex;align-items:center;gap:12px;font-size:19px;margin-bottom:22px;}
.inc-exc-card.included h3 i{color:var(--secondary);}
.inc-exc-card.excluded h3 i{color:#C94F4F;}
.inc-exc-card ul{display:grid;gap:14px;}
.inc-exc-card li{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;color:var(--gray);}
.inc-exc-card.included li i{color:var(--secondary);margin-top:3px;}
.inc-exc-card.excluded li i{color:#C94F4F;margin-top:3px;}

.related{padding:110px 0;}
.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.related-card{border-radius:20px;overflow:hidden;border:1px solid var(--gray-light);transition:.35s var(--ease);position:relative;}
.related-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.related-card .rc-img{height:140px;}
.related-card .rc-body{padding:22px;}
.related-card h4{font-size:15.5px;margin-bottom:8px;}
.related-card a.card-link{font-size:13px;}

.cta-banner{padding:80px 0;background:linear-gradient(135deg,var(--primary),var(--primary-dark));position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 85% 20%,rgba(212,175,55,.25),transparent 45%);}
.cta-banner-grid{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;}
.cta-banner h3{color:#fff;font-size:clamp(22px,3vw,30px);margin-bottom:8px;}
.cta-banner p{color:rgba(255,255,255,.8);font-size:15px;}
.cta-banner-actions{display:flex;gap:14px;flex-wrap:wrap;}

.quote-section{padding:110px 0;background:var(--bg-light);}
.quote-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;}
.quote-perks{display:grid;gap:18px;align-content:start;}
.quote-perk{display:flex;gap:14px;align-items:flex-start;background:var(--white);border:1px solid var(--gray-light);border-radius:16px;padding:20px;}
.quote-perk i{color:var(--secondary);font-size:18px;margin-top:2px;}
.quote-perk h5{font-size:14.5px;margin-bottom:4px;}
.quote-perk p{font-size:13px;color:var(--gray);}

.timeline{padding:110px 0;background:var(--bg-light);}
.timeline-track{max-width:800px;margin:0 auto;position:relative;}
.timeline-track::before{content:'';position:absolute;left:24px;top:0;bottom:0;width:2px;background:var(--gray-light);}
.timeline-item{position:relative;padding-left:70px;margin-bottom:42px;}
.timeline-item:last-child{margin-bottom:0;}
.timeline-dot{position:absolute;left:0;top:0;width:50px;height:50px;border-radius:50%;background:var(--white);border:2px solid var(--primary);display:flex;align-items:center;justify-content:center;color:var(--primary);font-size:18px;z-index:2;box-shadow:var(--shadow-sm);}
.timeline-item h4{font-size:17px;margin-bottom:8px;}
.timeline-item p{font-size:14.5px;color:var(--gray);}

.team{padding:110px 0;}
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;}
.team-card{text-align:center;}
.team-photo{border-radius:20px;height:220px;overflow:hidden;margin-bottom:18px;}
.team-card h4{font-size:16px;margin-bottom:4px;}
.team-card span{font-size:13px;color:var(--secondary);font-weight:600;}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}

.blog-hero-search{max-width:520px;margin:30px auto 0;display:flex;gap:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);border-radius:14px;padding:6px;backdrop-filter:blur(10px);}
.blog-hero-search input{flex:1;background:transparent;border:none;padding:12px 16px;color:#fff;font-size:14.5px;}
.blog-hero-search input::placeholder{color:rgba(255,255,255,.55);}
.blog-hero-search input:focus{outline:none;}
.blog-hero-search button{background:var(--gold);color:var(--navy);border-radius:10px;padding:0 20px;font-weight:600;}
.blog-grid-section{padding:110px 0;}
.blog-cats{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:44px;}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.blog-card{border-radius:22px;overflow:hidden;border:1px solid var(--gray-light);transition:.35s var(--ease);background:var(--white);}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);}
.blog-card .bc-img{height:200px;position:relative;}
.blog-card .bc-tag{position:absolute;top:16px;left:16px;background:var(--gold);color:var(--navy);font-size:11.5px;font-weight:700;padding:6px 14px;border-radius:999px;font-family:'Poppins',sans-serif;z-index:2;}
.blog-card .bc-body{padding:26px;}
.blog-card .bc-meta{display:flex;gap:16px;font-size:12.5px;color:var(--gray);margin-bottom:12px;}
.blog-card .bc-meta span{display:flex;align-items:center;gap:6px;}
.blog-card h3{font-size:18px;margin-bottom:10px;}
.blog-card p{font-size:14px;color:var(--gray);margin-bottom:18px;}
.blog-feature{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);margin-bottom:56px;}
.blog-feature .bf-img{min-height:340px;}
.blog-feature .bf-body{padding:44px;display:flex;flex-direction:column;justify-content:center;background:var(--white);}
.pagination-row{display:flex;justify-content:center;gap:10px;margin-top:56px;}
.pagination-row a{width:44px;height:44px;border-radius:12px;border:1.5px solid var(--gray-light);display:flex;align-items:center;justify-content:center;font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;transition:.25s;}
.pagination-row a.active,.pagination-row a:hover{background:var(--primary);border-color:var(--primary);color:#fff;}

.newsletter{padding:80px 0;background:var(--navy);position:relative;overflow:hidden;}
.newsletter::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 20% 50%,rgba(24,165,88,.25),transparent 45%);}
.newsletter-grid{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;}
.newsletter h3{color:#fff;font-size:24px;margin-bottom:6px;}
.newsletter p{color:rgba(255,255,255,.6);font-size:14px;}
.newsletter-form{display:flex;gap:10px;min-width:340px;}
.newsletter-form input{flex:1;padding:14px 18px;border-radius:12px;border:none;font-size:14px;}
.newsletter-form input:focus{outline:2px solid var(--gold);}

.article{padding:70px 0 110px;}
.article-grid{display:grid;grid-template-columns:2.2fr 1fr;gap:60px;}
.article-body h2{font-size:24px;margin:38px 0 16px;}
.article-body p{color:var(--gray);font-size:15.5px;margin-bottom:18px;}
.article-body img{border-radius:20px;margin:28px 0;}
.article-body blockquote{border-left:4px solid var(--gold);padding:18px 26px;background:var(--bg-light);border-radius:0 16px 16px 0;font-family:'Poppins',sans-serif;font-style:italic;font-size:16px;color:var(--navy);margin:28px 0;}
.article-tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:34px;}
.article-tags a{padding:8px 16px;border-radius:999px;background:var(--bg-light);font-size:12.5px;font-weight:600;color:var(--gray);}
.sidebar-card{background:var(--bg-light);border-radius:20px;padding:26px;margin-bottom:24px;border:1px solid var(--gray-light);}
.sidebar-card h4{font-size:15.5px;margin-bottom:18px;}
.sidebar-post{display:flex;gap:14px;margin-bottom:16px;align-items:center;}
.sidebar-post .sp-img{width:60px;height:60px;border-radius:12px;flex-shrink:0;}
.sidebar-post h5{font-size:13.5px;line-height:1.4;margin-bottom:4px;}
.sidebar-post span{font-size:11.5px;color:var(--gray);}

.claims-hero-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:34px;}
.claims-status-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:20px;backdrop-filter:blur(10px);}
.claims-status-card i{color:var(--gold-light);font-size:20px;margin-bottom:10px;display:block;}
.claims-status-card h5{color:#fff;font-size:14px;margin-bottom:4px;}
.claims-status-card p{color:rgba(255,255,255,.6);font-size:12.5px;}
.claims-tracker{padding:110px 0;}
.claims-tracker-box{max-width:760px;margin:0 auto;background:var(--white);border:1px solid var(--gray-light);border-radius:24px;padding:44px;box-shadow:var(--shadow-md);}
.claims-tracker-box .form-row{margin-bottom:22px;}
.doc-checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;}
.doc-item{display:flex;gap:14px;align-items:flex-start;background:var(--white);border:1px solid var(--gray-light);border-radius:16px;padding:20px;}
.doc-item i{color:var(--primary);font-size:20px;margin-top:2px;}
.doc-item h5{font-size:14.5px;margin-bottom:4px;}
.doc-item p{font-size:13px;color:var(--gray);}

.contact-channels{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:110px 0 0;}
.channel-card{text-align:center;background:var(--white);border:1px solid var(--gray-light);border-radius:20px;padding:34px 24px;transition:.35s var(--ease);}
.channel-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold);}
.channel-card .ch-icon{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;font-size:22px;}
.channel-card h4{font-size:15.5px;margin-bottom:6px;}
.channel-card p{font-size:13px;color:var(--gray);margin-bottom:14px;}
.branches{padding:110px 0;background:var(--bg-light);}
.branch-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.branch-card{background:var(--white);border-radius:20px;overflow:hidden;border:1px solid var(--gray-light);}
.branch-card .br-img{height:150px;}
.branch-card .br-body{padding:24px;}
.branch-card h4{font-size:16px;margin-bottom:10px;}
.branch-card p{font-size:13.5px;color:var(--gray);margin-bottom:6px;display:flex;gap:10px;align-items:flex-start;}
.branch-card p i{color:var(--primary);margin-top:3px;}

.text-center{text-align:center;}
.section-tight{padding:90px 0;}