/* Insuranz Hub | WEB-000045 */
:root {
  --blue: #0000FF;          /* brand primary */
  --blue-600: #0000d6;
  --yellow: #FFFF00;        /* brand secondary */
  --gold: #f5c400;
  --navy: #0a1a4f;
  --navy-2: #061235;
  --navy-3: #12267a;
  --orange-1: #ff8a00;
  --orange-2: #ff5a1f;
  --ink: #101a3a;
  --muted: #55607d;
  --line: #e3e8f4;
  --bg-soft: #f4f6fc;
  --white: #fff;
  --wa: #25D366;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(10, 26, 79, .10);
  --shadow-lg: 0 20px 50px rgba(10, 26, 79, .18);
  --font: Verdana, Geneva, Tahoma, sans-serif;
  --topbar-h: 38px;
  --header-h: 84px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: #fff; line-height: 1.65; font-size: 15px; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; }
h1, h2, h3 { line-height: 1.25; margin: 0 0 .6em; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; list-style: none; }
.container { width: 100%; max-width: 1220px; margin: 0 auto; padding: 0 20px; }
.ico { width: 1.1em; height: 1.1em; flex-shrink: 0; vertical-align: -0.15em; }
.hl { color: var(--yellow); }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--yellow); color: var(--navy); padding: 10px 16px; z-index: 2000; font-weight: 700; }
.skip-link:focus { left: 12px; top: 12px; }
:focus-visible { outline: 3px solid var(--orange-1); outline-offset: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  min-height: 46px; padding: 12px 24px; border-radius: 999px; border: 2px solid transparent;
  font-weight: 700; font-size: 14px; letter-spacing: .2px; cursor: pointer; text-align: center;
  transition: transform .15s ease, box-shadow .2s ease, background-color .2s ease, color .2s ease, border-color .2s ease;
}
.btn .ico { width: 18px; height: 18px; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0) scale(.98); }
.btn-sm { min-height: 40px; padding: 9px 18px; font-size: 13px; }
.btn-lg { min-height: 54px; padding: 15px 30px; font-size: 15px; }
.btn-block { width: 100%; }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(0, 0, 255, .28); }
.btn-primary:hover { background: var(--blue-600); box-shadow: 0 12px 26px rgba(0, 0, 255, .36); }
.hero .btn-primary, .footer-cta .btn-primary, .why .btn-primary {
  background: var(--yellow); color: var(--navy); box-shadow: 0 8px 24px rgba(255, 255, 0, .28);
}
.hero .btn-primary:hover, .footer-cta .btn-primary:hover, .why .btn-primary:hover { background: #fff; color: var(--navy); }
.btn-outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-soft { background: #eef0ff; color: var(--blue); }
.btn-soft:hover { background: var(--blue); color: #fff; }
.btn-whatsapp { background: var(--wa); color: #fff; box-shadow: 0 8px 20px rgba(37, 211, 102, .3); }
.btn-whatsapp:hover { background: #1ebe5a; }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .55); }
.btn-ghost-light:hover { background: #fff; color: var(--navy); }
.btn-orange { background: linear-gradient(135deg, var(--orange-1), var(--orange-2)); color: #fff; box-shadow: 0 10px 22px rgba(255, 90, 31, .32); }
.btn-orange:hover { filter: brightness(1.05); box-shadow: 0 14px 28px rgba(255, 90, 31, .4); }
.btn[disabled] { opacity: .7; cursor: progress; transform: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.center-cta { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 30px; }
.link-btn { background: none; border: 0; padding: 8px 0; color: var(--blue); font-weight: 700; font-size: 13px; cursor: pointer; display: inline-flex; align-items: center; gap: 6px; border-radius: 999px; }
.link-btn .ico { transition: transform .2s ease; }
.link-btn:hover .ico { transform: translateX(4px); }

/* ---------- Top bar ---------- */
.topbar { background: var(--navy-2); color: #cfd6f2; font-size: 12.5px; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: var(--topbar-h); }
.topbar-left { display: flex; gap: 20px; align-items: center; flex-wrap: wrap; }
.topbar-left a, .topbar-hours { display: inline-flex; align-items: center; gap: 7px; }
.topbar-left a:hover { color: var(--yellow); }
.topbar-right { display: flex; align-items: center; gap: 6px; }
.topbar-label { margin-right: 6px; color: #9aa6d6; font-size: 12px; }
.topbar .soc { width: 28px; height: 28px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; background: rgba(255, 255, 255, .08); transition: background .2s, color .2s; }
.topbar .soc .ico { width: 14px; height: 14px; }
.topbar .soc:hover { background: var(--yellow); color: var(--navy); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 500; background: rgba(255, 255, 255, .97); backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line); transition: box-shadow .2s ease; }
.site-header.is-scrolled { box-shadow: 0 6px 24px rgba(10, 26, 79, .10); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: var(--header-h); }
.logo img { width: 72px; height: 72px; object-fit: contain; border-radius: 50%; }
.main-nav ul { display: flex; gap: 2px; }
.main-nav a { display: block; padding: 9px 11px; border-radius: 999px; font-size: 13.5px; font-weight: 700; color: var(--navy); transition: background .2s, color .2s; }
.main-nav a:hover, .main-nav a.is-active { background: #eef0ff; color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.btn-call { background: #eef0ff; color: var(--blue); min-height: 42px; padding: 8px 16px; font-size: 13px; }
.btn-call:hover { background: var(--blue); color: #fff; }
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--line); background: #fff; color: var(--navy); cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle .ico { width: 24px; height: 24px; }

/* Mobile nav */
.mobile-nav-overlay { position: fixed; inset: 0; background: rgba(6, 18, 53, .55); z-index: 590; }
.mobile-nav {
  position: fixed; top: 0; right: 0; bottom: 0; width: min(340px, 88vw); background: #fff; z-index: 600;
  transform: translateX(100%); transition: transform .3s ease; display: flex; flex-direction: column; padding: 18px 20px 24px; overflow-y: auto;
  visibility: hidden;
}
.mobile-nav.is-open { transform: translateX(0); visibility: visible; }
.mobile-nav-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 10px; }
.mobile-nav-head img { width: 56px; height: 56px; border-radius: 50%; }
.mobile-nav-close { width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--line); background: #fff; color: var(--navy); cursor: pointer; display: inline-flex; align-items: center; justify-content: center; }
.mobile-nav-close .ico { width: 20px; height: 20px; }
.mobile-nav ul { margin: 8px 0 16px; }
.mobile-nav li a { display: block; padding: 13px 4px; border-bottom: 1px solid var(--line); font-weight: 700; color: var(--navy); }
.mobile-nav li a:hover { color: var(--blue); }
.mobile-nav-contact { display: grid; gap: 10px; margin: 4px 0 18px; font-size: 13px; color: var(--muted); }
.mobile-nav-contact a { display: flex; align-items: center; gap: 8px; }
.mobile-nav .btn-block { margin-top: auto; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.section-head h2 { font-size: clamp(24px, 3.2vw, 34px); color: var(--navy); }
.section-head p { color: var(--muted); }
.section-head--light h2 { color: #fff; }
.section-head--light p { color: #c7cff0; }
.kicker { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: 1.6px; text-transform: uppercase; color: var(--blue); background: #eef0ff; padding: 6px 14px; border-radius: 999px; margin-bottom: 14px; }
.section-head--light .kicker { background: rgba(255, 255, 0, .12); color: var(--yellow); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; color: #fff; background: var(--navy); padding: 70px 0 80px; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center 35%; opacity: .22; filter: grayscale(.2); }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(110deg, rgba(6, 18, 53, .96) 0%, rgba(10, 26, 79, .9) 45%, rgba(0, 0, 160, .72) 100%); z-index: 1; }
.hero::after { content: ""; position: absolute; right: -120px; bottom: -160px; width: 460px; height: 460px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 0, .16), transparent 65%); z-index: 1; }
.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(280px, 0.8fr) 1.2fr; gap: 56px; align-items: center; }
.founder-card { max-width: 380px; margin: 0 auto; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .16); border-radius: 24px; padding: 14px; box-shadow: 0 24px 60px rgba(0, 0, 0, .35); }
.founder-frame { position: relative; aspect-ratio: 4 / 5; border-radius: 18px; overflow: hidden; background: linear-gradient(135deg, var(--navy-3), var(--blue)); border: 3px solid var(--yellow); }
.founder-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }
.founder-initials { display: none; position: absolute; inset: 0; align-items: center; justify-content: center; font-size: 72px; font-weight: 700; color: var(--yellow); }
.founder-frame.no-img .founder-initials { display: flex; }
.founder-meta { text-align: center; padding: 14px 6px 6px; }
.founder-meta strong { display: block; font-size: 18px; }
.founder-meta span { color: var(--yellow); font-size: 13px; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(255, 255, 0, .12); color: var(--yellow); border: 1px solid rgba(255, 255, 0, .3); padding: 7px 16px; border-radius: 999px; font-size: 13px; font-weight: 700; margin-bottom: 20px; }
.hero h1 { font-size: clamp(30px, 4.6vw, 52px); letter-spacing: -.5px; margin-bottom: 18px; }
.hero-lead { font-size: 16.5px; color: #d6dcf5; max-width: 620px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 18px 0 28px; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 14px; }
.hero-points .ico { color: var(--yellow); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 36px; max-width: 640px; }
.hero-stats > div { background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14); border-radius: 14px; padding: 14px 16px; }
.hero-stats strong { display: flex; align-items: center; gap: 6px; font-size: 20px; color: #fff; }
.hero-stats .star { color: var(--yellow); }
.hero-stats span { font-size: 12.5px; color: #b9c3ea; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-media { position: relative; padding: 0 0 70px 0; }
.about-main { width: 88%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow-lg); }
.about-inset { position: absolute; right: 0; bottom: 0; width: 52%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; border-radius: 18px; border: 6px solid #fff; box-shadow: var(--shadow-lg); }
.about-badge { position: absolute; left: 18px; bottom: 26px; background: var(--navy); color: #fff; border-radius: 16px; padding: 14px 18px; text-align: center; box-shadow: var(--shadow); border-bottom: 4px solid var(--yellow); }
.about-badge strong { display: block; font-size: 26px; color: var(--yellow); }
.about-badge span { font-size: 12px; }
.about-copy h2 { font-size: clamp(24px, 3vw, 32px); color: var(--navy); }
.about-copy p { color: var(--muted); }
.about-list { display: grid; gap: 10px; margin: 18px 0; }
.about-list li { display: flex; gap: 10px; align-items: flex-start; font-weight: 700; color: var(--navy); font-size: 14px; }
.about-list .ico { color: #fff; background: var(--blue); border-radius: 50%; padding: 3px; width: 22px; height: 22px; margin-top: 1px; }
.about-founder { display: flex; align-items: center; gap: 14px; padding: 14px; background: var(--bg-soft); border-radius: 14px; border-left: 4px solid var(--blue); }
.about-founder img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: center 20%; }
.about-founder strong { display: block; color: var(--navy); }
.about-founder span { font-size: 13px; color: var(--muted); }

/* ---------- Services ---------- */
.services { background: var(--bg-soft); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.service-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; display: flex; flex-direction: column; align-items: flex-start; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #c9d0f7; }
.service-card h3 { font-size: 17px; color: var(--navy); }
.service-card p { color: var(--muted); font-size: 14px; }
.service-card .btn { margin-top: auto; }
.service-icon { width: 54px; height: 54px; border-radius: 14px; display: flex; align-items: center; justify-content: center; background: #eef0ff; color: var(--blue); margin-bottom: 18px; }
.service-icon .ico { width: 26px; height: 26px; }
.service-card.is-featured { grid-column: span 2; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 60%, #0000c8 100%); color: #fff; border: 0; position: relative; overflow: hidden; }
.service-card.is-featured::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 0, .18), transparent 70%); }
.service-card.is-featured h3 { color: #fff; font-size: 22px; }
.service-card.is-featured p { color: #d4dbf6; font-size: 15px; max-width: 560px; }
.service-card.is-featured .service-icon { background: var(--yellow); color: var(--navy); }
.service-card.is-featured .btn-primary { background: var(--yellow); color: var(--navy); box-shadow: none; }
.service-card.is-featured .btn-primary:hover { background: #fff; }
.tag { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; background: rgba(255, 255, 0, .16); color: var(--yellow); padding: 4px 12px; border-radius: 999px; margin-bottom: 10px; }
.chips-label { font-weight: 700; margin-bottom: 8px !important; color: #fff !important; font-size: 13px !important; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 22px; }
.chips li { background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .2); padding: 6px 14px; border-radius: 999px; font-size: 12.5px; }

/* ---------- Products ---------- */
.product-tabs { display: grid; gap: 10px; justify-items: center; margin-bottom: 28px; }
.tab-row { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 8px; }
.tab-seg { font-size: 11px; font-weight: 700; letter-spacing: 1.4px; text-transform: uppercase; color: var(--muted); padding: 0 6px 0 14px; }
.tab-seg { padding-left: 0; min-width: 120px; text-align: right; }
.product-tab { border: 1px solid var(--line); background: #fff; color: var(--navy); padding: 10px 18px; border-radius: 999px; font-weight: 700; font-size: 13px; cursor: pointer; transition: all .2s ease; }
.product-tab:hover { border-color: var(--blue); color: var(--blue); }
.product-tab.is-active { background: var(--blue); color: #fff; border-color: var(--blue); box-shadow: 0 6px 16px rgba(0, 0, 255, .25); }
.panel-intro { text-align: center; color: var(--muted); margin-bottom: 24px; }
.seg-pill { display: inline-block; background: var(--navy); color: var(--yellow); font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 999px; margin-right: 6px; }
.product-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 18px; }
.product-grid > .product-card { flex: 0 1 calc((100% - 36px) / 3); }
.product-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; transition: box-shadow .2s ease, transform .2s ease; border-top: 4px solid var(--blue); }
.product-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.product-top { display: flex; gap: 12px; align-items: center; margin-bottom: 12px; }
.product-icon { width: 42px; height: 42px; flex-shrink: 0; border-radius: 12px; background: var(--navy); color: var(--yellow); display: flex; align-items: center; justify-content: center; }
.product-icon .ico { width: 20px; height: 20px; }
.product-card h3 { font-size: 15px; margin: 0; color: var(--navy); }
.product-card p { font-size: 13.5px; color: var(--muted); margin-bottom: 8px; }
.product-cover { background: var(--bg-soft); border-radius: 10px; padding: 10px 12px; }
.product-cover strong { color: var(--navy); }
.product-card .link-btn { margin-top: auto; align-self: flex-start; }
.product-panel { animation: fadeUp .35s ease; }
.products-note { text-align: center; font-size: 12.5px; color: var(--muted); margin-top: 24px; }

/* ---------- Why ---------- */
.why { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.why::before { content: ""; position: absolute; left: -160px; top: -160px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(0, 0, 255, .45), transparent 70%); }
.why .container { position: relative; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.why-card { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--radius); padding: 26px 24px; transition: background .2s ease, transform .2s ease; }
.why-card:hover { background: rgba(255, 255, 255, .1); transform: translateY(-3px); }
.why-icon { width: 50px; height: 50px; border-radius: 14px; background: var(--yellow); color: var(--navy); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.why-icon .ico { width: 24px; height: 24px; }
.why-card h3 { font-size: 17px; }
.why-card p { color: #c7cff0; font-size: 14px; margin: 0; }
.claims { margin-top: 56px; background: #fff; color: var(--ink); border-radius: 22px; padding: 34px 30px; box-shadow: var(--shadow-lg); }
.claims-head { text-align: center; margin-bottom: 26px; }
.claims-head h3 { display: inline-flex; align-items: center; gap: 10px; font-size: 22px; color: var(--navy); }
.claims-head h3 .ico { color: var(--blue); }
.claims-head p { color: var(--muted); margin: 0; }
.claims-steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; counter-reset: s; }
.claims-steps li { position: relative; background: var(--bg-soft); border-radius: 14px; padding: 22px 16px 18px; text-align: center; }
.claims-steps li:not(:last-child)::after { content: ""; position: absolute; top: 40px; right: -14px; width: 12px; height: 2px; background: var(--blue); }
.step-no { width: 38px; height: 38px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 10px; box-shadow: 0 0 0 5px #dfe3ff; }
.claims-steps strong { display: block; color: var(--navy); font-size: 14.5px; margin-bottom: 6px; }
.claims-steps span:not(.step-no) { font-size: 12.5px; color: var(--muted); display: block; }
.claims .btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(0, 0, 255, .28); }
.claims .btn-primary:hover { background: var(--blue-600); color: #fff; }

/* ---------- Gallery ---------- */
.gallery-grid { display: grid; grid-template-columns: repeat(3, 1fr); grid-auto-rows: 230px; gap: 16px; }
.gallery-item { position: relative; padding: 0; border: 0; border-radius: var(--radius); overflow: hidden; cursor: zoom-in; background: var(--bg-soft); }
.gallery-item.is-wide { grid-column: span 2; grid-row: span 2; }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.gallery-item img[src*="founder"] { object-position: center 18%; }
.gallery-item:hover img { transform: scale(1.05); }
.gallery-cap { position: absolute; left: 0; right: 0; bottom: 0; display: flex; justify-content: space-between; align-items: center; padding: 30px 16px 14px; color: #fff; font-weight: 700; font-size: 14px; text-align: left; background: linear-gradient(to top, rgba(6, 18, 53, .85), transparent); }
.lightbox { position: fixed; inset: 0; z-index: 1100; background: rgba(6, 18, 53, .92); display: flex; align-items: center; justify-content: center; padding: 30px; }
.lightbox[hidden] { display: none; }
.lightbox figure { margin: 0; max-width: 1100px; width: 100%; text-align: center; }
.lightbox img { max-height: 80vh; width: auto; margin: 0 auto; border-radius: 14px; }
.lightbox figcaption { color: #fff; margin-top: 12px; font-weight: 700; }
.lightbox-close { position: absolute; top: 18px; right: 18px; width: 46px; height: 46px; border-radius: 50%; border: 0; background: #fff; color: var(--navy); cursor: pointer; display: flex; align-items: center; justify-content: center; }
.lightbox-close .ico { width: 22px; height: 22px; }

/* ---------- Testimonials ---------- */
.testimonials { background: var(--bg-soft); }
.testi-wrap { display: grid; grid-template-columns: 340px 1fr; gap: 40px; align-items: start; }
.testi-summary { position: sticky; top: calc(var(--header-h) + 24px); }
.testi-summary h2 { font-size: clamp(24px, 3vw, 32px); color: var(--navy); }
.testi-summary > p { color: var(--muted); }
.rating-box { display: flex; gap: 16px; align-items: center; background: #fff; border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); margin: 18px 0 20px; border-bottom: 4px solid var(--yellow); }
.rating-g { width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.rating-g .ico { width: 28px; height: 28px; }
.rating-box strong { font-size: 34px; color: var(--navy); line-height: 1; display: block; }
.rating-box small { display: block; color: var(--muted); font-size: 12px; margin-top: 4px; }
.stars { display: inline-flex; gap: 2px; color: #f5b400; }
.stars .ico { width: 16px; height: 16px; }
.testi-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.testi-card { position: relative; margin: 0; background: #fff; border-radius: var(--radius); padding: 26px 24px 22px; border: 1px solid var(--line); display: flex; flex-direction: column; gap: 12px; }
.testi-card:last-child:nth-child(odd) { grid-column: span 2; }
.testi-quote { position: absolute; top: 18px; right: 20px; color: #e0e5ff; }
.testi-quote .ico { width: 40px; height: 40px; }
.testi-card blockquote { margin: 0; color: #3b4566; font-size: 14px; }
.testi-card figcaption { display: flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 12px; border-top: 1px solid var(--line); }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--navy)); color: #fff; font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.testi-card figcaption strong { display: block; color: var(--navy); font-size: 14px; }
.testi-card figcaption small { color: var(--muted); font-size: 12px; }

/* ---------- FAQ ---------- */
.faq-wrap { display: grid; grid-template-columns: 380px 1fr; gap: 48px; align-items: start; }
.faq .section-head { text-align: left; margin: 0; }
.accordion { display: grid; gap: 12px; }
.acc-item { border: 1px solid var(--line); border-radius: 14px; background: #fff; overflow: hidden; transition: box-shadow .2s, border-color .2s; }
.acc-item.is-open { border-color: #c9d0f7; box-shadow: var(--shadow); }
.acc-item h3 { margin: 0; font-size: inherit; }
.acc-btn { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 20px; background: none; border: 0; text-align: left; font-weight: 700; font-size: 15px; color: var(--navy); cursor: pointer; }
.acc-ico { width: 30px; height: 30px; padding: 6px; border-radius: 50%; background: #eef0ff; color: var(--blue); transition: transform .25s ease, background .2s, color .2s; }
.acc-item.is-open .acc-ico { transform: rotate(45deg); background: var(--blue); color: #fff; }
.acc-panel { padding: 0 20px 18px; color: var(--muted); font-size: 14px; }
.acc-panel p { margin: 0; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 32px; align-items: start; }
.contact-list { display: grid; gap: 12px; }
.contact-list li { display: flex; gap: 14px; align-items: flex-start; background: var(--bg-soft); border-radius: 14px; padding: 14px 16px; }
.ci { width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0; background: var(--navy); color: var(--yellow); display: flex; align-items: center; justify-content: center; }
.ci .ico { width: 20px; height: 20px; }
.ci-wa { background: var(--wa); color: #fff; }
.contact-list small { display: block; font-size: 11.5px; text-transform: uppercase; letter-spacing: 1px; color: var(--muted); font-weight: 700; }
.contact-list li > div > a, .contact-list li > div > span { display: block; color: var(--navy); font-weight: 700; font-size: 14px; word-break: break-word; }
.contact-list a:hover { color: var(--blue); }
.contact-form-card { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 30px; box-shadow: var(--shadow-lg); border-top: 5px solid var(--blue); }
.contact-form-card h3 { font-size: 21px; color: var(--navy); }
.contact-form-card > p { color: var(--muted); font-size: 14px; }
.map-wrap { position: relative; margin-top: 36px; border-radius: 22px; overflow: hidden; box-shadow: var(--shadow); height: 380px; background: var(--bg-soft); }
.map-wrap iframe { width: 100%; height: 100%; border: 0; display: block; }
.map-btn { position: absolute; left: 16px; bottom: 16px; }

/* ---------- Forms ---------- */
.enquiry-form { display: grid; gap: 12px; }
.field { display: grid; gap: 5px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field label { font-size: 12.5px; font-weight: 700; color: var(--navy); }
.req { color: #e0301e; }
.opt { color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea, .cc-select {
  width: 100%; font-family: inherit; font-size: 14px; color: var(--ink); background: #fff;
  border: 1.5px solid #d6dcee; border-radius: 12px; padding: 12px 14px; min-height: 48px;
  transition: border-color .2s, box-shadow .2s;
}
.field textarea { resize: vertical; min-height: 104px; }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%230a1a4f' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
.field input:focus, .field select:focus, .field textarea:focus, .cc-select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(0, 0, 255, .12); }
.phone-group { display: flex; gap: 8px; }
.phone-group input { flex: 1; min-width: 0; }
.cc-fixed { display: inline-flex; align-items: center; gap: 7px; padding: 0 12px; border: 1.5px solid #d6dcee; border-radius: 12px; background: var(--bg-soft); font-weight: 700; font-size: 14px; color: var(--navy); flex-shrink: 0; }
.flag-in { width: 20px; height: 14px; border-radius: 2px; background: linear-gradient(#ff9933 0 33.3%, #fff 33.3% 66.6%, #138808 66.6%); position: relative; box-shadow: 0 0 0 1px rgba(0, 0, 0, .08); }
.flag-in::after { content: ""; position: absolute; left: 50%; top: 50%; width: 4px; height: 4px; margin: -2px 0 0 -2px; border-radius: 50%; border: 1px solid #000080; }
.phone-group .cc-select { width: 112px; flex: 0 0 112px; padding: 12px 30px 12px 12px; background-position: right 10px center; }
.field.is-invalid input, .field.is-invalid select, .field.is-invalid textarea { border-color: #e0301e; background: #fff7f6; }
.field-error { color: #d02a19; font-size: 12px; min-height: 0; }
.field-error:empty { display: none; }
.form-reassure { display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 12px; color: var(--muted); margin: 0; text-align: center; }
.form-status { margin: 0; font-size: 13.5px; font-weight: 700; text-align: center; }
.form-status:empty { display: none; }
.form-status.is-success { color: #13824a; background: #e8f8ef; padding: 10px; border-radius: 10px; }
.form-status.is-error { color: #c0261a; background: #fff0ee; padding: 10px; border-radius: 10px; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Popup (single centered card) ---------- */
.popup-overlay { position: fixed; inset: 0; z-index: 1000; display: flex; align-items: center; justify-content: center; padding: 16px; background: rgba(6, 18, 53, .62); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); opacity: 0; transition: opacity .25s ease; }
.popup-overlay[hidden] { display: none; }
.popup-overlay.is-visible { opacity: 1; }
.popup-card { position: relative; width: 100%; max-width: 430px; max-height: calc(100vh - 32px); max-height: calc(100dvh - 32px); overflow-y: auto; background: #fff; border-radius: 22px; box-shadow: 0 30px 80px rgba(0, 0, 0, .4); transform: translateY(16px) scale(.98); transition: transform .3s ease; overscroll-behavior: contain; }
.popup-overlay.is-visible .popup-card { transform: none; }
.popup-close { position: absolute; top: 12px; right: 12px; z-index: 3; width: 36px; height: 36px; border-radius: 50%; border: 0; background: rgba(255, 255, 255, .95); color: var(--navy); cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 12px rgba(0, 0, 0, .2); transition: transform .2s; }
.popup-close:hover { transform: rotate(90deg); }
.popup-close .ico { width: 18px; height: 18px; }
.popup-timer { background: linear-gradient(135deg, var(--navy-2), var(--navy-3)); color: #fff; text-align: center; padding: 16px 56px 34px; border-radius: 22px 22px 0 0; transition: background .3s ease; }
.popup-timer-label { display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 700; letter-spacing: 1.6px; text-transform: uppercase; color: #ffd84d; }
.popup-timer-count { display: block; font-size: 34px; font-weight: 700; letter-spacing: 2px; line-height: 1.2; font-variant-numeric: tabular-nums; }
.popup-timer.is-urgent { background: linear-gradient(135deg, #b3120a, #ef3b2c); animation: pulse 1s ease-in-out infinite; }
.popup-timer.is-urgent .popup-timer-label { color: #fff; }
.popup-body { padding: 0 26px 24px; text-align: center; }
.popup-badge { width: 60px; height: 60px; margin: -24px auto 12px; border-radius: 16px; background: linear-gradient(135deg, var(--orange-1), var(--orange-2)); color: #fff; display: flex; align-items: center; justify-content: center; box-shadow: 0 10px 22px rgba(255, 90, 31, .35); border: 4px solid #fff; position: relative; }
.popup-badge .ico { width: 28px; height: 28px; }
.popup-title { font-size: 22px; color: var(--navy); margin-bottom: 6px; }
.popup-title span { color: var(--orange-2); }
.popup-sub { font-size: 13px; color: var(--muted); margin-bottom: 16px; }
.popup-body .enquiry-form { text-align: left; gap: 10px; }
.popup-body .field input, .popup-body .field select { min-height: 44px; padding-top: 10px; padding-bottom: 10px; }
body.popup-open { overflow: hidden; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-2); color: #b9c3ea; font-size: 14px; }
.footer-cta { background: linear-gradient(120deg, var(--blue), var(--navy-3)); color: #fff; }
.footer-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 36px; padding-bottom: 36px; flex-wrap: wrap; }
.footer-cta h2 { font-size: clamp(22px, 3vw, 30px); margin-bottom: 6px; }
.footer-cta p { margin: 0; color: #dbe1ff; }
.footer-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr 1.4fr; gap: 36px; padding-top: 60px; padding-bottom: 40px; }
.footer-brand img { width: 84px; height: 84px; border-radius: 50%; margin-bottom: 12px; }
.footer-name { color: #fff; font-weight: 700; font-size: 18px; margin: 0; }
.footer-tag { color: var(--yellow); font-size: 13px; margin-bottom: 12px; }
.site-footer h3 { color: #fff; font-size: 16px; margin-bottom: 16px; position: relative; padding-bottom: 10px; }
.site-footer h3::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34px; height: 3px; border-radius: 3px; background: var(--yellow); }
.footer-links { display: grid; gap: 8px; }
.footer-links a:hover, .footer-contact a:hover { color: var(--yellow); }
.footer-contact { display: grid; gap: 12px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .ico { color: var(--yellow); margin-top: 4px; }
.footer-social { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.footer-social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255, 255, 255, .08); display: flex; align-items: center; justify-content: center; color: #fff; transition: background .2s, color .2s, transform .2s; }
.footer-social a:hover { background: var(--yellow); color: var(--navy); transform: translateY(-2px); }
.footer-social .ico { width: 16px; height: 16px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); padding: 18px 0 22px; font-size: 13px; }
.footer-bottom-inner { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.footer-bottom p { margin: 0; }
.footer-bottom a:hover { color: var(--yellow); }
.site-footer { padding-bottom: 70px; }

/* ---------- Floating elements (approved, do not change) ---------- */
.floating-badge {
  position: fixed; left: 18px; bottom: 18px; z-index: 300; width: 120px; height: 40px;
  border-radius: 10px; overflow: hidden; box-shadow: 0 8px 22px rgba(0,0,0,.25); background: #fff;
  display: flex; align-items: center; justify-content: center;
}
.floating-badge img { width: 150px; object-fit: contain; }

.floating-whatsapp {
  position: fixed; right: 18px; bottom: 18px; z-index: 300; width: 58px; height: 58px; border-radius: 50%;
  background: #25D366; display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 22px rgba(37,211,102,.45); transition: transform .15s ease;
}
.floating-whatsapp:hover { transform: scale(1.06); }
.floating-whatsapp svg { width: 30px; height: 30px; fill: #fff; }

@media (max-width: 480px) {
  .floating-badge { width: 120px; height: 46px; left: 12px; bottom: 12px; }
  .floating-whatsapp { width: 50px; height: 50px; right: 12px; bottom: 12px; }
  .floating-whatsapp svg { width: 26px; height: 26px; }
}

/* ---------- Legal page ---------- */
.legal { padding: 70px 0; }
.legal .container { max-width: 860px; }
.legal h1 { color: var(--navy); font-size: clamp(26px, 3.4vw, 36px); }
.legal h2 { color: var(--navy); font-size: 19px; margin-top: 28px; }
.legal p, .legal li { color: var(--muted); }
.legal ul { list-style: disc; padding-left: 20px; }

/* ---------- Animations ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@keyframes pulse { 0%, 100% { box-shadow: inset 0 0 0 0 rgba(255, 255, 255, 0); filter: brightness(1); } 50% { filter: brightness(1.15); box-shadow: inset 0 0 0 3px rgba(255, 255, 255, .25); } }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .main-nav { display: none; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; text-align: center; }
  .hero-media { order: -1; }
  .founder-card { max-width: 300px; }
  .hero-lead { margin-left: auto; margin-right: auto; }
  .hero-points, .hero-ctas { justify-content: center; }
  .hero-stats { margin-left: auto; margin-right: auto; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .services-grid, .why-grid { grid-template-columns: repeat(2, 1fr); }
  .product-grid > .product-card { flex-basis: calc((100% - 18px) / 2); }
  .claims-steps { grid-template-columns: repeat(3, 1fr); }
  .claims-steps li::after { display: none; }
  .testi-wrap, .faq-wrap { grid-template-columns: 1fr; }
  .testi-summary { position: static; text-align: center; }
  .rating-box { max-width: 380px; margin-left: auto; margin-right: auto; text-align: left; }
  .faq .section-head { text-align: center; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  :root { --header-h: 72px; }
  body { font-size: 14.5px; }
  .topbar-left a span, .topbar-hours, .topbar-label { display: none; }
  .topbar-left { gap: 8px; }
  .topbar-left a { width: 28px; height: 28px; border-radius: 50%; justify-content: center; background: rgba(255, 255, 255, .08); }
  .logo img { width: 60px; height: 60px; }
  .header-cta { display: none; }
  .btn-call span { display: none; }
  .btn-call { width: 46px; height: 46px; min-height: 46px; padding: 0; border-radius: 12px; }
  .btn-call .ico { width: 20px; height: 20px; }
  .section { padding: 64px 0; }
  .hero { padding: 44px 0 56px; }
  .hero-stats { grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
  .hero-stats > div { padding: 12px 8px; }
  .hero-stats strong { font-size: 16px; justify-content: center; }
  .hero-stats span { font-size: 11px; display: block; }
  .hero-ctas .btn { width: 100%; }
  .services-grid, .why-grid, .testi-grid { grid-template-columns: 1fr; }
  .product-grid > .product-card { flex-basis: 100%; }
  .service-card.is-featured { grid-column: auto; }
  .testi-card:last-child:nth-child(odd) { grid-column: auto; }
  .claims { padding: 26px 18px; }
  .claims-steps { grid-template-columns: 1fr; }
  .claims-steps li { text-align: left; display: grid; grid-template-columns: 44px 1fr; column-gap: 12px; padding: 16px; }
  .claims-steps .step-no { grid-row: span 2; margin: 0; }
  .gallery-grid { grid-template-columns: 1fr 1fr; grid-auto-rows: 150px; gap: 10px; }
  .gallery-item.is-wide { grid-column: span 2; grid-row: span 1; height: auto; }
  .gallery-grid { grid-auto-rows: 160px; }
  .gallery-item:last-child { grid-column: span 2; }
  .gallery-cap { font-size: 12px; padding: 24px 10px 10px; }
  .product-tabs { justify-items: stretch; }
  .tab-row { flex-wrap: nowrap; overflow-x: auto; justify-content: flex-start; padding-bottom: 6px; margin-left: -20px; margin-right: -20px; padding-left: 20px; padding-right: 20px; scrollbar-width: thin; }
  .tab-seg { min-width: 0; text-align: left; }
  .product-tab { flex-shrink: 0; }
  .tab-seg { flex-shrink: 0; }
  .field-row { grid-template-columns: 1fr; }
  .contact-form-card { padding: 22px 18px; }
  .map-wrap { height: 300px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-cta-inner { text-align: center; justify-content: center; }
  .footer-cta-actions { justify-content: center; width: 100%; }
  .about-media { padding-bottom: 50px; }
}
@media (max-width: 480px) {
  .popup-body { padding: 0 18px 20px; }
  .popup-title { font-size: 20px; }
  .popup-timer-count { font-size: 30px; }
  .hero h1 { font-size: 28px; }
  .btn-lg { min-height: 50px; padding: 13px 22px; font-size: 14px; }
}