@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;0,900;1,700&family=Inter:wght@300;400;500;600;700&family=IBM+Plex+Mono:wght@400;500&display=swap');

/* ── TOKENS ── */
:root {
  --navy:        #0A1A3B;
  --navy-mid:    #0f2354;
  --navy-light:  #162d6e;
  --gold:        #F5A623;
  --gold-dark:   #d4891a;
  --gold-glow:   rgba(245,166,35,0.18);
  --sky:         #1B8FE7;
  --sky-glow:    rgba(27,143,231,0.15);
  --white:       #F9FAFB;
  --charcoal:    #1e2d3d;
  --muted:       #5a6e82;
  --border:      rgba(255,255,255,0.08);
  --border-light:#e2e8f0;
  --glass:       rgba(255,255,255,0.04);
  --glass-hover: rgba(255,255,255,0.08);
  --radius-sm:   8px;
  --radius-md:   14px;
  --radius-lg:   24px;
  --shadow-sm:   0 2px 12px rgba(10,26,59,0.08);
  --shadow-md:   0 8px 40px rgba(10,26,59,0.14);
  --shadow-lg:   0 24px 80px rgba(10,26,59,0.22);
  --shadow-gold: 0 8px 32px rgba(245,166,35,0.25);
  --transition:  0.25s cubic-bezier(0.4,0,0.2,1);
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; width: 100%; }
body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--charcoal);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  width: 100%;
  max-width: 100vw;
  position: relative;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { font-family: inherit; }

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  line-height: 1.08;
  letter-spacing: -0.025em;
  color: var(--navy);
}
.mono { font-family: 'IBM Plex Mono', monospace; }

.label-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold-glow);
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 100px;
  border: 1px solid rgba(245,166,35,0.25);
  margin-bottom: 20px;
}

/* Compatibility: some pages use .tag instead of .label-tag */
.tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold-glow);
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 100px;
  border: 1px solid rgba(245,166,35,0.25);
  margin-bottom: 20px;
}
.label-tag-sky {
  background: var(--sky-glow);
  color: var(--sky);
  border-color: rgba(27,143,231,0.2);
}

/* ── LAYOUT ── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 28px;
  width: 100%;
}
.section { padding: 100px 0; width: 100%; overflow: hidden; }
.section-dark  { background: var(--navy); }
.section-grey  { background: #f0f4f8; }
.section-mid   { background: #f7f9fc; }

/* Compatibility: some pages use .section-alt */
.section-alt { background: #f0f4f8; }

.section-header { margin-bottom: 56px; }
.section-eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--sky);
  margin-bottom: 12px;
  display: block;
}
.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--navy);
  margin-bottom: 16px;
}
.section-title.light { color: #fff; }
.section-sub {
  font-size: 1.1rem;
  color: var(--muted);
  max-width: 560px;
  line-height: 1.7;
}
.section-sub.light { color: rgba(255,255,255,0.62); }

/* Compatibility: some pages use .section-subtitle instead of .section-sub */
.section-subtitle {
  font-size: 1.1rem;
  color: var(--muted);
  max-width: 560px;
  line-height: 1.7;
}
.section-subtitle.light { color: rgba(255,255,255,0.62); }

/* Fix: ensure subtitles inside section headers are always readable */
.section-header .section-subtitle {
  color: var(--muted);
  font-size: 1.1rem;
  line-height: 1.7;
  max-width: 560px;
}

/* Trust/Light process cards: ensure text is visible on light sections */
.section .process-step h3,
.section-alt .process-step h3,
.section .process-step p,
.section-alt .process-step p {
  color: var(--navy) !important;
}

.section .process-step p,
.section-alt .process-step p {
  color: var(--muted) !important;
}


/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 15px 32px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0);
  transition: background var(--transition);
}
.btn:hover::after { background: rgba(255,255,255,0.08); }

.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(245,166,35,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}
.btn-primary:active { transform: translateY(0); }

.btn-ghost {
  background: rgba(255,255,255,0.07);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.13);
  border-color: rgba(255,255,255,0.4);
  transform: translateY(-2px);
}

.btn-dark {
  background: var(--navy);
  color: #fff;
}
.btn-dark:hover { background: var(--navy-mid); transform: translateY(-2px); }

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold-glow);
  transform: translateY(-2px);
}

.btn-sm { padding: 10px 22px; font-size: 0.875rem; }
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

/* Compatibility: map alternate button class names used by some pages */
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(245,166,35,0.35);
}
.btn-sky {
  background: linear-gradient(135deg, var(--sky) 0%, #5bb4f3 100%);
  color: #fff;
}
.btn-navy {
  background: var(--navy);
  color: #fff;
}
.btn-outline {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
}
.btn-secondary {
  background: rgba(255,255,255,0.07);
  color: rgba(10,26,59,0.95);
  border: 1.5px solid rgba(10,26,59,0.12);
}

/* Pension hero: Retirement Calculator button (green) */
.btn-green-calculator {
  background: linear-gradient(135deg, #19c37d 0%, #2fe08f 100%);
  color: var(--navy);
  border: 1.5px solid rgba(25,195,125,0.35);
  box-shadow: 0 10px 30px rgba(25,195,125,0.20);
}
.btn-green-calculator:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 44px rgba(25,195,125,0.28);
}
.btn-secondary:hover { transform: translateY(-2px); }
.btn-large { padding: 18px 40px; font-size: 1.05rem; }

/* arrow icon inline */
.btn-arrow::after { content: '→'; font-size: 1rem; transition: transform var(--transition); }
.btn-arrow:hover::after { transform: translateX(4px); }

/* ── NAVBAR ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  transition: background var(--transition), box-shadow var(--transition);
}

/* Compatibility: some pages use older navbar class names */
.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 28px;
  height: 72px;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  flex-shrink: 0;
}
.brand-icon {
  width: 34px;
  height: 34px;
  color: #fff;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-menu > li > a {
  display: flex;
  align-items: center;
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
}
.nav-menu > li > a:hover {
  color: #fff;
  background: var(--glass-hover);
}

/* compatibility dropdown classes */
.nav-dropdown .dropdown-menu {
  position: absolute;
}
.navbar.scrolled {
  background: rgba(10,26,59,0.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.06), 0 4px 32px rgba(0,0,0,0.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 28px;
  height: 72px;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 2px;
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  flex-shrink: 0;
}
.nav-logo .logo-dot { color: var(--gold); font-size: 2rem; line-height: 1; }

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links > li > a,
.dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 5px;
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: color var(--transition), background var(--transition);
}
.nav-links > li > a:hover,
.dropdown-toggle:hover { color: #fff; background: var(--glass-hover); }

/* Dropdown chevron */
.chevron {
  width: 14px; height: 14px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  transition: transform var(--transition);
}
.dropdown:hover .chevron { transform: rotate(180deg); }

/* Dropdown menu */
.dropdown { position: relative; }
.dropdown-menu {
  visibility: hidden;
  opacity: 0;
  pointer-events: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: rgba(10,26,59,0.97);
  backdrop-filter: blur(24px);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px;
  min-width: 260px;
  box-shadow: var(--shadow-lg);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}
.dropdown:hover .dropdown-menu {
  visibility: visible;
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 14px;
  border-radius: 8px;
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
  font-weight: 500;
  transition: background var(--transition), color var(--transition);
}
.dropdown-menu a:hover { background: var(--glass-hover); color: #fff; }
.dropdown-menu .d-icon {
  width: 32px; height: 32px;
  background: var(--glass-hover);
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.nav-actions { display: flex; align-items: center; gap: 10px; }
.nav-cta { padding: 10px 22px; font-size: 0.88rem; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 8px;
  border-radius: 8px;
}
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: #fff; border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.mobile-menu-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(5,15,40,0.6);
  backdrop-filter: blur(4px);
  z-index: 998;
  opacity: 0;
  transition: opacity 0.3s ease;
}
.mobile-menu-overlay.open { display: block; opacity: 1; }

.mobile-menu {
  position: fixed;
  top: 0; right: 0; bottom: 0;
  width: min(340px, 88vw);
  background: linear-gradient(180deg, #0a1a3b 0%, #071228 100%);
  border-left: 1px solid rgba(245,166,35,0.15);
  z-index: 999;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
  overflow-y: auto;
}
.mobile-menu.open { transform: translateX(0); }

.mobile-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.mobile-menu-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
}
.mobile-menu-logo span { color: var(--gold); }

.mobile-close {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  color: #fff;
  width: 36px; height: 36px;
  border-radius: 50%;
  font-size: 1rem;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition);
  flex-shrink: 0;
}
.mobile-close:hover { background: rgba(255,255,255,0.14); }

.mobile-menu-body {
  flex: 1;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.mobile-nav-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255,255,255,0.3);
  padding: 16px 4px 6px;
}
.mobile-nav-label:first-child { padding-top: 0; }
.mobile-menu a {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.78);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 11px 14px;
  border-radius: 10px;
  transition: background 0.2s, color 0.2s;
}
.mobile-menu a:hover { background: rgba(255,255,255,0.07); color: #fff; }
.mobile-menu a .mm-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.5;
  flex-shrink: 0;
}
.mobile-menu a:hover .mm-dot { opacity: 1; }

.mobile-menu-footer {
  padding: 20px 24px;
  border-top: 1px solid rgba(255,255,255,0.07);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.mobile-menu .mobile-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--gold), #f0ba4a);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 13px 20px;
  border-radius: var(--radius-sm);
  text-align: center;
}
.mobile-menu .mobile-cta:hover { background: linear-gradient(135deg, #f0ba4a, var(--gold)); color: var(--navy); }
.mobile-contact-row {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.5);
  font-size: 0.82rem;
  padding: 4px 0;
}
.mobile-contact-row svg { flex-shrink: 0; opacity: 0.6; }
.mobile-contact-row a { color: rgba(255,255,255,0.7); }
.mobile-contact-row a:hover { color: var(--gold); }

@media (max-width: 860px) {
  .nav-links, .nav-actions { display: none; }
  .hamburger { display: flex; }
}

/* ── HERO ── */
.hero {
  background: var(--navy);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

/* Layered background */
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(27,143,231,0.13) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 20% 80%, rgba(245,166,35,0.08) 0%, transparent 55%),
    linear-gradient(160deg, #0A1A3B 0%, #071228 100%);
}
.hero-grid-lines {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
}
#particles-canvas {
  position: absolute; inset: 0;
  pointer-events: none;
}

.hero-body {
  position: relative;
  z-index: 2;
  flex: 1;
  display: flex;
  align-items: center;
  padding: 120px 28px 60px;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  max-width: 100%;
  gap: 60px;
}

/* Left column */
.hero-left { flex: 1; min-width: 0; }

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,166,35,0.1);
  border: 1px solid rgba(245,166,35,0.22);
  border-radius: 100px;
  padding: 6px 16px 6px 8px;
  margin-bottom: 28px;
}
.hero-pill-dot {
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%,100% { box-shadow: 0 0 0 0 rgba(245,166,35,0.5); }
  50% { box-shadow: 0 0 0 5px rgba(245,166,35,0); }
}
.hero-pill span { color: var(--gold); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }

.hero-headline {
  font-size: clamp(2.8rem, 5.5vw, 5.2rem);
  color: #fff;
  line-height: 1.04;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
}
.hero-headline .hl-gold { color: var(--gold); display: block; }
.hero-headline .hl-outline {
  -webkit-text-stroke: 2px rgba(255,255,255,0.35);
  color: transparent;
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.72;
  max-width: 500px;
  margin-bottom: 40px;
}

.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 52px; }

.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.hero-trust-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,0.5);
  font-size: 0.82rem;
}
.hero-trust-badge svg { opacity: 0.5; }
.hero-trust-sep { width: 1px; height: 20px; background: rgba(255,255,255,0.12); }

/* Right column — floating card */
.hero-right {
  flex-shrink: 0;
  width: 340px;
}
.hero-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  backdrop-filter: blur(16px);
  box-shadow: 0 32px 80px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.1);
}
.hero-card-title {
  font-family: 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.hero-card-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.hcs-item {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  padding: 16px;
}
.hcs-num {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.6rem;
  font-weight: 500;
  color: #fff;
  line-height: 1;
  margin-bottom: 4px;
}
.hcs-num span { color: var(--gold); }
.hcs-label { font-size: 0.75rem; color: rgba(255,255,255,0.42); font-weight: 500; }
.hero-card-partners {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 20px;
}
.hero-card-partners p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.38);
  margin-bottom: 12px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-weight: 600;
}
.partner-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.partner-pill {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: 6px;
  padding: 4px 10px;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  white-space: nowrap;
  transition: var(--transition);
}
.partner-pill:hover { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.85); }

/* Trust bar */
.hero-trust-bar {
  position: relative; z-index: 2;
  background: rgba(0,0,0,0.25);
  border-top: 1px solid rgba(255,255,255,0.07);
  backdrop-filter: blur(10px);
  padding: 14px 28px;
}
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  gap: 32px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
}
.tbi {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.52);
  font-size: 0.82rem;
  font-weight: 500;
}
.tbi-dot { width: 4px; height: 4px; background: var(--gold); border-radius: 50%; }
.tbi strong { color: rgba(255,255,255,0.82); font-weight: 600; }
.tbi a { color: rgba(255,255,255,0.52); transition: color var(--transition); }
.tbi a:hover { color: var(--gold); }

@media (max-width: 1000px) { .hero-right { display: none; } }
@media (max-width: 640px) {
  .hero-body { padding: 100px 16px 48px; }
  .hero-headline { font-size: 2.2rem; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }
  .container { padding: 0 16px; }
  .section { padding: 60px 0; }
}

/* ── SERVICE CARDS ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 900px) { .services-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 540px) { .services-grid { grid-template-columns: 1fr; } }

.service-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 36px 30px 30px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  cursor: default;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--sky));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.sc-icon-wrap {
  width: 56px; height: 56px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.sc-icon-wrap svg { width: 26px; height: 26px; }

/* Each service gets a unique tint */
.sc-motor  { background: rgba(27,143,231,0.1); }
.sc-life   { background: rgba(245,86,86,0.1); }
.sc-asset  { background: rgba(52,199,89,0.1); }
.sc-mmf    { background: rgba(245,166,35,0.12); }
.sc-pension{ background: rgba(88,86,214,0.1); }
.sc-edu    { background: rgba(255,149,0,0.1); }
.sc-trust  { background: rgba(10,26,59,0.08); }

.sc-motor svg  { stroke: var(--sky); }
.sc-life svg   { stroke: #e05454; }
.sc-asset svg  { stroke: #2eb85c; }
.sc-mmf svg    { stroke: var(--gold); }
.sc-pension svg{ stroke: #5856d6; }
.sc-edu svg    { stroke: #ff9500; }
.sc-trust svg  { stroke: var(--navy); }

.service-card h3 {
  font-size: 1.15rem;
  color: var(--navy);
  line-height: 1.2;
}
.service-card p {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.6;
  flex: 1;
}
.sc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--sky);
  margin-top: 4px;
  transition: gap var(--transition);
}
.sc-link svg { width: 14px; height: 14px; transition: transform var(--transition); }
.service-card:hover .sc-link svg { transform: translateX(4px); }

/* ── HOW IT WORKS ── */
.steps-row {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 0;
  position: relative;
}
.steps-row::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(50% / 3);
  right: calc(50% / 3);
  height: 1px;
  background: linear-gradient(90deg, var(--gold), var(--sky), var(--gold));
  opacity: 0.3;
}
@media (max-width: 700px) {
  .steps-row { grid-template-columns: 1fr; gap: 24px; }
  .steps-row::before { display: none; }
}
.step-item { text-align: center; padding: 0 24px; }
.step-num-wrap {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--border-light);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.step-item:hover .step-num-wrap {
  border-color: var(--gold);
  box-shadow: 0 0 0 6px var(--gold-glow);
}
.step-num {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--gold);
}
.step-item h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; }
.step-item p { font-size: 0.9rem; color: var(--muted); line-height: 1.65; }

/* ── STATS BAND ── */
.stats-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 60px 28px;
  position: relative;
  overflow: hidden;
}
.stats-band::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(27,143,231,0.12), transparent 60%),
              radial-gradient(ellipse at 70% 50%, rgba(245,166,35,0.08), transparent 60%);
}
.stats-band-inner {
  position: relative;
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 2px;
}
@media (max-width: 700px) { .stats-band-inner { grid-template-columns: repeat(2,1fr); } }

.stat-block {
  padding: 32px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.07);
}
.stat-block:last-child { border-right: none; }
.stat-block .sn {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 2.8rem;
  font-weight: 500;
  color: #fff;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-block .sn span { color: var(--gold); }
.stat-block .sl { font-size: 0.82rem; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600; }

/* ── TESTIMONIALS ── */
.testi-track-outer {
  overflow: hidden;
  padding: 8px 0 24px;
  -webkit-mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.testi-track {
  display: flex;
  gap: 24px;
  width: max-content;
  animation: testiScroll 60s linear infinite;
}
.testi-track:hover { animation-play-state: paused; }
@keyframes testiScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
}
@media (max-width: 860px) { .testimonials-grid { grid-template-columns: 1fr; } }

.testi-card {
  background: #fff;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  width: 340px;
  flex-shrink: 0;
}
.testi-card::after {
  content: '"';
  position: absolute;
  top: -10px; right: 24px;
  font-family: 'Playfair Display', serif;
  font-size: 8rem;
  color: var(--gold);
  opacity: 0.07;
  line-height: 1;
  pointer-events: none;
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testi-stars { display: flex; gap: 3px; }
.star { color: var(--gold); font-size: 0.9rem; }
.testi-text {
  font-size: 0.95rem;
  color: var(--charcoal);
  line-height: 1.72;
  flex: 1;
  font-style: italic;
}
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  color: #fff;
  font-weight: 700;
  flex-shrink: 0;
}
.testi-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testi-location { font-size: 0.78rem; color: var(--muted); }

/* ── PARTNERS ── */
.partners-section {
  background: var(--white);
  padding: 48px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  overflow: hidden;
}
.partners-eyebrow {
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 28px;
}
.partners-track-outer {
  overflow: hidden;
  -webkit-mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.partners-track {
  display: flex;
  flex-wrap: nowrap;
  gap: 12px;
  width: max-content;
  animation: partnersScroll 30s linear infinite;
}
.partners-track:hover { animation-play-state: paused; }
@keyframes partnersScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.partner-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  border: 1px solid var(--border-light);
  border-radius: 100px;
  padding: 9px 20px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--muted);
  transition: var(--transition);
  white-space: nowrap;
  flex-shrink: 0;
}
.partner-chip .pc-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--border-light);
  transition: var(--transition);
}
.partners-track:hover .partner-chip:hover {
  border-color: var(--navy);
  color: var(--navy);
  box-shadow: var(--shadow-sm);
}
.partners-track:hover .partner-chip:hover .pc-dot { background: var(--gold); }

/* ── WHY QUBIC ── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 20px;
}
@media (max-width: 640px) { .why-grid { grid-template-columns: 1fr; } }

.why-card {
  background: var(--glass);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  transition: var(--transition);
}
.why-card:hover { background: var(--glass-hover); border-color: rgba(255,255,255,0.15); }
.why-icon-box {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--gold-glow);
  border: 1px solid rgba(245,166,35,0.2);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.why-icon-box svg { width: 22px; height: 22px; stroke: var(--gold); }
.why-text h3 { font-size: 1rem; color: #fff; margin-bottom: 6px; }
.why-text p { font-size: 0.88rem; color: rgba(255,255,255,0.55); line-height: 1.6; }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%);
  padding: 72px 28px;
  position: relative;
  overflow: hidden;
  width: 100%;
}
.cta-band::before {
  content: '';
  position: absolute;
  top: -60%; right: -10%;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  pointer-events: none;
}
.cta-band::after {
  content: '';
  position: absolute;
  bottom: -40%; left: 5%;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  pointer-events: none;
}
.cta-band-inner {
  position: relative;
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: center;
  justify-content: space-between;
}
.cta-band h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--navy); margin-bottom: 8px; }
.cta-band p { color: rgba(10,26,59,0.65); font-size: 1rem; }
.cta-band-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ── FOOTER ── */
.footer {
  background: #060f22;
  color: #fff;
  padding: 80px 28px 0;
}
.footer-main {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1.6fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
@media (max-width: 900px) { .footer-main { grid-template-columns: 1fr 1fr; gap: 40px; } }
@media (max-width: 540px) { .footer-main { grid-template-columns: 1fr; } }

.footer-logo { font-family: 'Playfair Display', serif; font-size: 1.6rem; font-weight: 900; color: #fff; letter-spacing: -0.03em; margin-bottom: 14px; }
.footer-logo span { color: var(--gold); }
.footer-tagline { color: rgba(255,255,255,0.42); font-size: 0.9rem; line-height: 1.65; max-width: 280px; margin-bottom: 28px; }
.footer-socials { display: flex; gap: 10px; }
.footer-social {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.footer-social:hover { transform: translateY(-2px); opacity: 0.85; }
.footer-social-fb {
  background: #1877F2;
  border-color: #1877F2;
}
.footer-social-ig {
  background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285AEB 90%);
  border: none;
}

.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.35);
  margin-bottom: 20px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-col ul li a {
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  transition: color var(--transition);
  display: flex; align-items: center; gap: 6px;
}
.footer-col ul li a:hover { color: #fff; }
.footer-col ul li a::before { content: ''; width: 4px; height: 4px; background: rgba(255,255,255,0.2); border-radius: 50%; flex-shrink: 0; transition: background var(--transition); }
.footer-col ul li a:hover::before { background: var(--gold); }

.footer-contact-item {
  display: flex; align-items: flex-start;
  gap: 10px;
  color: rgba(255,255,255,0.52);
  font-size: 0.88rem;
  margin-bottom: 12px;
  line-height: 1.5;
}
.footer-contact-item a { color: rgba(255,255,255,0.52); transition: color var(--transition); }
.footer-contact-item a:hover { color: var(--gold); }
.fci-icon {
  width: 28px; height: 28px;
  background: rgba(255,255,255,0.05);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 0;
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.25);
}
.footer-bottom a { color: rgba(255,255,255,0.25); transition: color var(--transition); }
.footer-bottom a:hover { color: rgba(255,255,255,0.6); }

/* ── WHATSAPP FLOAT ── */
.wa-float {
  position: fixed;
  bottom: 28px; right: 28px;
  z-index: 998;
  width: 60px; height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 28px rgba(37,211,102,0.45);
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
}
.wa-float svg { width: 28px; height: 28px; fill: #fff; }
.wa-float:hover { transform: scale(1.1); box-shadow: 0 10px 40px rgba(37,211,102,0.6); }
@media (max-width: 768px) { .wa-float { display: none; } }

/* Compatibility: some pages use .whatsapp-float */
.whatsapp-float {
  position: fixed;
  bottom: 28px; right: 28px;
  z-index: 998;
  width: 60px; height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 28px rgba(37,211,102,0.45);
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
}
.whatsapp-float svg { width: 28px; height: 28px; fill: #fff; }
.whatsapp-float:hover { transform: scale(1.1); box-shadow: 0 10px 40px rgba(37,211,102,0.6); }
@media (max-width: 768px) { .whatsapp-float { display: none; } }

/* Pulse ring */
.wa-float::before {
  content: '';
  position: absolute;
  width: 100%; height: 100%;
  border-radius: 50%;
  background: #25D366;
  animation: wa-pulse 2.5s infinite;
  z-index: -1;
}
@keyframes wa-pulse {
  0% { transform: scale(1); opacity: 0.7; }
  100% { transform: scale(1.65); opacity: 0; }
}

/* ── MOBILE STICKY BAR ── */
.mobile-sticky {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 997;
  background: rgba(10,26,59,0.97);
  backdrop-filter: blur(16px);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 12px 16px 16px;
  gap: 10px;
}
.mobile-sticky a {
  flex: 1;
  text-align: center;
  padding: 12px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.88rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.ms-call { background: linear-gradient(135deg, var(--gold), #f0ba4a); color: var(--navy); }
.ms-wa   { background: #25D366; color: #fff; }
@media (max-width: 768px) { .mobile-sticky { display: flex; } }

/* Compatibility: some pages use .mobile-sticky-bar and .mobile-action */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 997;
  background: rgba(10,26,59,0.97);
  backdrop-filter: blur(16px);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 12px 16px 16px;
  gap: 10px;
}
.mobile-sticky-bar .mobile-action {
  flex: 1;
  text-align: center;
  padding: 12px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.88rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.mobile-sticky-bar .mobile-action svg { width: 16px; height: 16px; }

.mobile-sticky-bar .mobile-action {
  background: #25D366;
  color: #fff;
}

.mobile-sticky-bar .mobile-action.primary,
.mobile-sticky-bar .mobile-action.ms-call,
.mobile-sticky-bar .mobile-action.call {
  background: linear-gradient(135deg, var(--gold), #f0ba4a);
  color: var(--navy);
}

@media (max-width: 768px) { .mobile-sticky-bar { display: flex; } }

/* ── INNER PAGE HERO ── */
.page-hero {
  background: var(--navy);
  padding: 148px 28px 88px;
  position: relative;
  overflow: hidden;
}
.page-hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 70% at 80% 40%, rgba(27,143,231,0.14), transparent 65%),
    radial-gradient(ellipse 40% 50% at 10% 80%, rgba(245,166,35,0.07), transparent 60%);
}
.page-hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at 30% 50%, black 20%, transparent 70%);
}
.page-hero-content {
  position: relative; z-index: 1;
  max-width: 1200px; margin: 0 auto;
}
.page-hero-content h1 {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  color: #fff;
  max-width: 720px;
  margin-bottom: 18px;
}
.page-hero-content .hero-desc {
  color: rgba(255,255,255,0.62);
  font-size: 1.1rem;
  max-width: 560px;
  line-height: 1.72;
  margin-bottom: 32px;
}
.stat-highlight {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 3.2rem;
  color: var(--gold);
  font-weight: 500;
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}

/* ── FAQ ── */
.faq-list { max-width: 760px; }
.faq-item { border-bottom: 1px solid var(--border-light); }
.faq-q {
  width: 100%; background: none; border: none;
  text-align: left; padding: 22px 0;
  font-size: 0.97rem; font-weight: 600; color: var(--navy);
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-family: 'Inter', sans-serif;
  transition: color var(--transition);
}
.faq-q:hover { color: var(--sky); }
.faq-q-icon {
  width: 28px; height: 28px; flex-shrink: 0;
  background: var(--gold-glow); border: 1px solid rgba(245,166,35,0.2);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; color: var(--gold);
  transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-q-icon { transform: rotate(45deg); background: var(--gold); color: var(--navy); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.38s ease, padding 0.38s;
  color: var(--muted); font-size: 0.93rem; line-height: 1.72;
  padding-bottom: 0;
}
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 22px; }

/* Compatibility: some pages use .faq-question/.faq-answer instead of .faq-q/.faq-a */
.faq-question {
  width: 100%; background: none; border: none;
  text-align: left; padding: 22px 0;
  font-size: 0.97rem; font-weight: 600; color: var(--navy);
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-family: 'Inter', sans-serif;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--sky); }

.faq-icon {
  width: 28px; height: 28px; flex-shrink: 0;
  background: var(--gold-glow); border: 1px solid rgba(245,166,35,0.2);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; color: var(--gold);
  transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: var(--navy); }

.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.38s ease, padding 0.38s;
  color: var(--muted); font-size: 0.93rem; line-height: 1.72;
  padding-bottom: 0;
}
.faq-item.open .faq-answer { max-height: 400px; padding-bottom: 22px; }

/* ── COMPARISON TABLE (Money Market / similar) ── */
.comparison-table {
  background: rgba(255,255,255,0.03);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(10,26,59,0.10);
  box-shadow: 0 12px 35px rgba(10,26,59,0.08);
}

.comparison-header,
.comparison-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1px;
}

.comparison-header {
  background: rgba(10,26,59,0.92);
}

.comparison-row {
  background: rgba(10,26,59,0.06);
}

.comparison-cell {
  padding: 1.2rem;
  text-align: center;
  background: rgba(255,255,255,0.75);
  color: var(--navy);
}

.section-alt .comparison-cell {
  background: rgba(255,255,255,0.82);
}

.comparison-header .comparison-cell {
  font-weight: 800;
  background: rgba(10,26,59,0.95);
  color: #fff;
}

/* Make sure only header row is navy; body cells stay white cards */
.comparison-row .comparison-cell {
  background: rgba(255,255,255,0.75) !important;
  color: var(--navy) !important;
}

.section-alt .comparison-row .comparison-cell {
  background: rgba(255,255,255,0.82) !important;
}




.comparison-cell.featured {
  background: linear-gradient(135deg, rgba(245,166,35,0.15), rgba(27,143,231,0.12));
  border-left: 3px solid rgba(245,166,35,0.7);
  border-right: 3px solid rgba(245,166,35,0.7);
}

.comparison-cell.featured,
.comparison-header .comparison-cell.featured {
  color: var(--navy);
}

@media (max-width: 768px) {
  .comparison-header,
  .comparison-row {
    grid-template-columns: 1fr;
  }

  .comparison-cell:first-child {
    font-weight: 800;
    background: rgba(10,26,59,0.95) !important;
    color: #fff !important;
  }
}


/* ── PLAN CARDS ── */
.plans-grid {

  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
}
@media (max-width: 768px) { .plans-grid { grid-template-columns: 1fr; } }

.plan-card {
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  text-align: center;
  transition: var(--transition);
  display: flex; flex-direction: column; gap: 0;
  position: relative;
  overflow: hidden;
}
.plan-card.featured {
  border-color: var(--gold);
  background: linear-gradient(180deg, rgba(245,166,35,0.03) 0%, #fff 100%);
  box-shadow: 0 8px 48px rgba(245,166,35,0.12);
}
.plan-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.plan-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), #f0ba4a);
  color: var(--navy);
  font-size: 0.7rem; font-weight: 800;
  letter-spacing: 0.08em; text-transform: uppercase;
  padding: 4px 14px; border-radius: 100px;
  margin-bottom: 16px;
}
.plan-card h3 { color: var(--navy); font-size: 1.25rem; margin-bottom: 6px; }
.plan-price {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.4rem;
  color: var(--gold);
  margin: 14px 0 20px;
  font-weight: 500;
}
.plan-features {
  list-style: none; text-align: left;
  display: flex; flex-direction: column; gap: 10px;
  margin-bottom: 28px; flex: 1;
}
.plan-features li {
  font-size: 0.88rem; color: var(--muted);
  padding-left: 22px; position: relative; line-height: 1.5;
}
.plan-features li::before {
  content: '';
  position: absolute; left: 0; top: 6px;
  width: 8px; height: 8px;
  background: var(--sky);
  border-radius: 50%;
}

/* ── Choose Your Life Cover (World-class scoped UX) ── */
#life-cover .plan-card {
  cursor: pointer;
}

#life-cover .plan-card:focus {
  outline: none;
}

#life-cover .plan-card:focus-visible {
  box-shadow: 0 0 0 4px rgba(27,143,231,0.35), var(--shadow-md);
  border-color: rgba(27,143,231,0.55);
}

#life-cover .plan-cta {
  margin-top: 18px;
  width: 100%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: 12px;
  padding: 16px 18px;
  text-align: center;
  text-decoration: none;
  position: relative;
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition), background var(--transition);
}

#life-cover .plan-cta-label {
  font-weight: 900;
  letter-spacing: 0.02em;
  font-size: 1.05rem;
  color: inherit;
}

#life-cover .plan-cta-sub {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  opacity: 0.85;
  margin-top: 2px;
}

#life-cover .plan-cta-arrow {
  width: 18px;
  height: 18px;
  transition: transform var(--transition);
}

#life-cover .plan-card:hover .plan-cta-arrow {
  transform: translateX(6px);
}

#life-cover .plan-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 44px rgba(10,26,59,0.12);
}

#life-cover .plan-card:hover {
  transform: translateY(-6px);
}

#life-cover .plan-features {
  margin-bottom: 14px;
}

#life-cover .plan-desc {
  margin-bottom: 18px;
}

/* Premium visual fix: make cards feel like world-class CTA tiles (scoped) */
#life-cover .plan-card {
  background: linear-gradient(180deg, rgba(245,166,35,0.09) 0%, rgba(255,255,255,1) 100%);
  border: 1.5px solid rgba(15,35,84,0.18);
  border-radius: 20px;
  overflow: hidden; /* “nice edges” */
  box-shadow: 0 12px 36px rgba(10,26,59,0.10);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition), background var(--transition);
}

#life-cover .plan-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 26px 80px rgba(10,26,59,0.16);
  border-color: rgba(27,143,231,0.55);
}

#life-cover .plan-card.featured {
  border-color: rgba(245,166,35,0.85);
  background: linear-gradient(135deg, rgba(245,166,35,0.16) 0%, rgba(27,143,231,0.08) 60%, rgba(255,255,255,1) 100%);
}

#life-cover .plan-card:focus-within {
  box-shadow: 0 0 0 4px rgba(27,143,231,0.35), 0 26px 80px rgba(10,26,59,0.16);
  border-color: rgba(27,143,231,0.60);
}

#life-cover .plan-icon svg {
  width: 64px !important;
  height: 64px !important;
}

#life-cover .plan-name {
  color: var(--navy) !important;
  font-size: 1.45rem;
  font-weight: 900;
  margin-bottom: 10px;
}

#life-cover .plan-desc {
  color: rgba(30,45,61,0.72) !important;
  font-size: 0.98rem;
  line-height: 1.65;
  margin-bottom: 18px;
}

#life-cover .plan-features {
  margin-bottom: 18px;
}

#life-cover .plan-features li {
  color: rgba(30,45,61,0.72) !important;
  border-bottom: 1px solid rgba(226,232,240,0.9);
  padding-bottom: 10px;
}

#life-cover .plan-features li::before {
  background: linear-gradient(135deg, var(--gold), var(--sky));
}

#life-cover .plan-cta.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%) !important;
  color: var(--navy) !important;
  border-color: var(--gold) !important;
  box-shadow: 0 8px 32px rgba(245,166,35,0.25);
}

#life-cover .plan-cta.btn-outline {
  background: #fff !important;
  color: var(--navy) !important;
  border-color: rgba(245,166,35,0.8) !important;
}

#life-cover .plan-cta.btn-outline:hover,
#life-cover .plan-cta.btn-outline:focus-visible {
  background: linear-gradient(135deg, var(--gold-glow) 0%, rgba(27,143,231,0.08) 100%) !important;
}

#life-cover .plan-cta:focus-visible {
  outline: none;
}

/* Make arrow inherit currentColor for both variants */
#life-cover .plan-cta-arrow {
  color: currentColor;
}

/* Fix: General Insurance page uses light plan cards (#planTP/#planComp).
   Later in this stylesheet, .plan-features li is overridden to white text,
   which makes the light-card content appear invisible. */
#planTP .plan-features li,
#planComp .plan-features li {
  color: var(--muted);
}

/* ── CALCULATOR ── */
.calc-box {
  background: linear-gradient(160deg, #f0f4f8 0%, #e8edf5 100%);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 36px;
}

/* Life Insurance Calculator (pages/life-insurance.html) */
#calculator .calculator-card {
  background: linear-gradient(160deg, rgba(240,244,248,1) 0%, rgba(232,237,245,1) 100%);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 22px;
  align-items: start;
  box-shadow: var(--shadow-sm);
}

#calculator .calculator-inputs {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

#calculator .input-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

#calculator .input-group label {
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--charcoal);
}

#calculator .input-group input,
#calculator .input-group select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  background: #fff;
  color: var(--charcoal);
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}

#calculator .input-group input:focus,
#calculator .input-group select:focus {
  outline: none;
  border-color: var(--sky);
  box-shadow: 0 0 0 4px var(--sky-glow);
}

#calculator .calculator-inputs > .btn-primary {
  margin-top: 6px;
}

/* Result panel */
#calculator .calculator-result {
  display: none;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255,255,255,0.12);
  padding: 22px;
  color: #fff;
  box-shadow: 0 20px 60px rgba(0,0,0,0.22);
}

#calculator .calculator-result.show,
#calculator .calculator-result[style*="display: block"] {
  display: block;
  animation: fadeUp 0.28s ease;
}

#calculator .result-main {
  margin-bottom: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}

#calculator .result-label {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 8px;
}

#calculator .result-value {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 2.3rem;
  line-height: 1.05;
  color: var(--gold);
  font-weight: 500;
}

#calculator .result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 14px;
}

#calculator .result-item {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 14px;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
}

#calculator .result-item span {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  font-weight: 600;
}

#calculator .result-item strong {
  font-family: 'IBM Plex Mono', monospace;
  color: #fff;
  font-size: 1.05rem;
  font-weight: 700;
}

#calculator .result-note {
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  line-height: 1.6;
  margin: 0;
}

/* Responsive */
@media (max-width: 900px) {
  #calculator .calculator-card {
    grid-template-columns: 1fr;
  }
}

.calc-box h3 { color: var(--navy); font-size: 1.15rem; margin-bottom: 24px; }
.calc-field { margin-bottom: 18px; }
.calc-field label { display: block; font-size: 0.82rem; font-weight: 700; color: var(--charcoal); margin-bottom: 7px; letter-spacing: 0.03em; text-transform: uppercase; }
.calc-field input, .calc-field select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  background: #fff;
  color: var(--charcoal);
  font-family: 'Inter', sans-serif;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}
.calc-field input:focus, .calc-field select:focus {
  outline: none;
  border-color: var(--sky);
  box-shadow: 0 0 0 4px var(--sky-glow);
}
.calc-result {
  background: var(--navy);
  border-radius: var(--radius-sm);
  padding: 24px;
  margin-top: 16px;
  display: none;
  animation: fadeUp 0.3s ease;
}
.calc-result.show { display: block; }
@keyframes fadeUp { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }
.calc-result .rl { font-size: 0.78rem; color: rgba(255,255,255,0.45); margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.08em; }
.calc-result .rv {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 2.2rem;
  color: var(--gold);
  font-weight: 500;
  line-height: 1;
  margin-bottom: 8px;
}
.calc-result .rn { font-size: 0.8rem; color: rgba(255,255,255,0.38); }

/* ── QUOTE WIZARD ── */
.wizard-wrap { max-width: 700px; margin: 0 auto; }
.wizard-progress {
  display: flex; gap: 0; margin-bottom: 48px;
}
.wp-step {
  flex: 1; text-align: center;
  font-size: 0.78rem; font-weight: 700;
  color: var(--muted);
  padding-bottom: 12px;
  border-bottom: 3px solid var(--border-light);
  transition: var(--transition);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.wp-step.active { color: var(--navy); border-color: var(--gold); }
.wp-step.done   { color: var(--sky);  border-color: var(--sky); }

.wizard-panel { display: none; }
.wizard-panel.active { display: block; animation: fadeUp 0.3s ease; }

.svc-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 12px;
  margin-bottom: 28px;
}
@media (max-width: 500px) { .svc-grid { grid-template-columns: repeat(2,1fr); } }

.svc-tile {
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 20px 12px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
}
.svc-tile-icon { font-size: 1.8rem; display: block; margin-bottom: 8px; }
.svc-tile:hover, .svc-tile.selected {
  border-color: var(--gold);
  background: var(--gold-glow);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(245,166,35,0.12);
}

.form-field { margin-bottom: 20px; }
.form-field label { display: block; font-size: 0.8rem; font-weight: 700; color: var(--charcoal); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.04em; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
  background: #fff;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--sky); box-shadow: 0 0 0 4px var(--sky-glow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 540px) { .form-row { grid-template-columns: 1fr; } }

.wizard-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 28px; gap: 12px; }

.confirm-panel {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 52px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.confirm-panel::before {
  content: '';
  position: absolute;
  top: -40%; left: 50%; transform: translateX(-50%);
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,166,35,0.1), transparent 70%);
  pointer-events: none;
}
.confirm-check {
  width: 72px; height: 72px;
  background: rgba(52,199,89,0.15);
  border: 2px solid rgba(52,199,89,0.4);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  font-size: 2rem;
}
.confirm-panel h2 { color: #fff; font-size: 1.8rem; margin-bottom: 12px; }
.confirm-panel p { color: rgba(255,255,255,0.6); font-size: 1rem; line-height: 1.65; margin-bottom: 28px; }

/* ── SCROLL REVEAL ── */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s cubic-bezier(0.4,0,0.2,1), transform 0.65s cubic-bezier(0.4,0,0.2,1);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ── SHIELD WIDGET ── */
.shield-widget {
  background: linear-gradient(160deg, var(--navy), var(--navy-mid));
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 44px 40px;
  text-align: center;
  max-width: 300px;
  box-shadow: var(--shadow-lg);
}
.shield-ring { width: 180px; height: 180px; margin: 0 auto 24px; position: relative; }
.shield-ring svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.shield-track { fill: none; stroke: rgba(255,255,255,0.07); stroke-width: 10; }
.shield-prog  { fill: none; stroke: url(#shieldGrad); stroke-width: 10; stroke-linecap: round; stroke-dasharray: 502; stroke-dashoffset: 502; transition: stroke-dashoffset 0.6s; }
.shield-time {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  font-family: 'IBM Plex Mono', monospace; font-size: 2rem; color: #fff; font-weight: 500;
}
.shield-lbl { color: rgba(255,255,255,0.5); font-size: 0.85rem; margin-bottom: 20px; }

/* General utilities */
.text-gold { color: var(--gold); }
.text-sky  { color: var(--sky); }
.text-muted { color: var(--muted); }
.divider { width: 48px; height: 3px; background: linear-gradient(90deg, var(--gold), var(--sky)); border-radius: 2px; margin: 20px 0; }
.divider-center { margin: 20px auto; }


/* Service Pages - Icon Cards */
.icon-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

/* Compatibility: ensure light sections (life/about/etc) keep readable text */
.section .icon-card p,
.section .icon-card h3,
.section-alt .icon-card p,
.section-alt .icon-card h3 {
    color: var(--muted);
}
.section .icon-card h3,
.section-alt .icon-card h3 {
    color: var(--navy);
}

/* Compatibility: plan text in light “plan-card” blocks */
.section .plan-card .plan-name,
.section .plan-card .plan-desc,
.section .plan-card .plan-features li,
.section-alt .plan-card .plan-name,
.section-alt .plan-card .plan-desc,
.section-alt .plan-card .plan-features li {
    color: var(--muted);
}
.section .plan-card .plan-name,
.section-alt .plan-card .plan-name {
    color: var(--navy);
}

.icon-card {
    background: rgba(255,255,255,0.03);
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    border: 1px solid rgba(255,255,255,0.1);
    backdrop-filter: blur(20px);
    transition: all 0.3s ease;
}

.icon-card:hover {
    transform: translateY(-5px);
    border-color: var(--gold);
    box-shadow: 0 10px 30px rgba(245,166,35,0.2);
}

.icon-card-icon {
    width: 60px !important;
    height: 60px !important;
    margin: 0 auto 1.5rem;
    flex-shrink: 0;
    overflow: hidden;
}

.icon-card-icon svg {
    width: 100% !important;
    height: 100% !important;
    max-width: 60px !important;
    max-height: 60px !important;
    display: block;
}

.icon-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: white;
}

.icon-card p {
    color: rgba(255,255,255,0.7);
    line-height: 1.6;
}

/* Service Pages - Plan Cards */
.plan-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

/* World-class premium UX for all 3-card “plan-cards” sections on light pages */
.section .plan-cards .plan-card,
.section-alt .plan-cards .plan-card {
    border-radius: 24px;
    overflow: hidden; /* “nice edges” */
    background: linear-gradient(180deg, rgba(245,166,35,0.06) 0%, rgba(255,255,255,1) 100%);
    border: 1.5px solid rgba(15,35,84,0.18);
    box-shadow:
        0 12px 36px rgba(10,26,59,0.10),
        0 0 0 0 rgba(245,166,35,0.0);
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition), filter var(--transition);
    position: relative;
}

/* Premium “edge illumination” sheen */
.section .plan-cards .plan-card::before,
.section-alt .plan-cards .plan-card::before {
    content: '';
    position: absolute;
    inset: -2px; /* expand slightly so glow is not clipped */
    background: linear-gradient(
        135deg,
        rgba(245,166,35,0.00) 0%,
        rgba(245,166,35,0.55) 35%,
        rgba(27,143,231,0.40) 70%,
        rgba(245,166,35,0.00) 100%
    );
    opacity: 0;
    transition: opacity var(--transition), transform var(--transition);
    transform: translateY(8px);
    pointer-events: none;
}

/* Hover: rich/money glow */
.section .plan-cards .plan-card:hover,
.section-alt .plan-cards .plan-card:hover {
    transform: translateY(-6px);
    border-color: rgba(245,166,35,0.90);
    box-shadow:
        0 0 0 4px rgba(245,166,35,0.25),
        0 28px 90px rgba(10,26,59,0.18),
        0 18px 60px rgba(245,166,35,0.22);
    filter: saturate(1.08);
}

.section .plan-cards .plan-card:hover::before,
.section-alt .plan-cards .plan-card:hover::before {
    opacity: 1;
    transform: translateY(0);
}

/* Keyboard focus: same illumination */
.section .plan-cards .plan-card:focus-within,
.section-alt .plan-cards .plan-card:focus-within {
    border-color: rgba(245,166,35,0.90);
    box-shadow:
        0 0 0 4px rgba(245,166,35,0.28),
        0 28px 90px rgba(10,26,59,0.18),
        0 18px 60px rgba(245,166,35,0.22);
}

.section .plan-cards .plan-card:focus-within::before,
.section-alt .plan-cards .plan-card:focus-within::before {
    opacity: 1;
    transform: translateY(0);
}

.section .plan-cards .plan-card .plan-name,
.section-alt .plan-cards .plan-card .plan-name {
    color: var(--navy) !important;
    font-size: 1.6rem;
    font-weight: 900;
}

.section .plan-cards .plan-card .plan-desc,
.section-alt .plan-cards .plan-card .plan-desc {
    color: rgba(30,45,61,0.72) !important;
    font-size: 1rem;
    line-height: 1.7;
}

.section .plan-cards .plan-card .plan-features li,
.section-alt .plan-cards .plan-card .plan-features li {
    color: rgba(30,45,61,0.72) !important;
    border-bottom: 1px solid rgba(226,232,240,0.95);
    padding-bottom: 10px;
}

.section .plan-cards .plan-card .plan-features li::before,
.section-alt .plan-cards .plan-card .plan-features li::before {
    background: linear-gradient(135deg, var(--gold), var(--sky));
    width: 8px;
    height: 8px;
}

/* Make the CTA link inside cards feel like the primary action */
.section .plan-cards .plan-card > a.btn-primary,
.section-alt .plan-cards .plan-card > a.btn-primary,
.section .plan-cards .plan-card > a.btn-outline,
.section-alt .plan-cards .plan-card > a.btn-outline {
    display: flex;
    width: 100%;
    justify-content: center;
    align-items: center;
    gap: 10px;
    padding: 16px 18px;
    border-radius: 14px;
    font-weight: 900;
    box-shadow: none;
}

.section .plan-cards .plan-card > a.btn-primary {
    background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%) !important;
    color: var(--navy) !important;
    border-color: rgba(245,166,35,0.95) !important;
}

.section .plan-cards .plan-card > a.btn-outline {
    background: #fff !important;
    color: var(--navy) !important;
    border-color: rgba(245,166,35,0.85) !important;
}

.section .plan-cards .plan-card > a.btn-primary:hover,
.section-alt .plan-cards .plan-card > a.btn-primary:hover,
.section .plan-cards .plan-card > a.btn-outline:hover,
.section-alt .plan-cards .plan-card > a.btn-outline:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 44px rgba(10,26,59,0.12);
}

.plan-card {
    background: rgba(255,255,255,0.03);
    border-radius: 16px;
    padding: 2.5rem;
    border: 1px solid rgba(255,255,255,0.1);
    backdrop-filter: blur(20px);
    transition: all 0.3s ease;
    position: relative;
}

.plan-card:hover {
    transform: translateY(-5px);
    border-color: var(--sky);
    box-shadow: 0 10px 30px rgba(27,143,231,0.2);
}

.plan-card.featured {
    border-color: var(--gold);
    background: linear-gradient(135deg, rgba(245,166,35,0.1), rgba(27,143,231,0.1));
}

.plan-badge {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background: linear-gradient(135deg, var(--gold), var(--sky));
    color: white;
    padding: 0.5rem 1rem;
    border-radius: 20px;
    font-size: 0.875rem;
    font-weight: 600;
}

.plan-icon {
    width: 60px !important;
    height: 60px !important;
    margin-bottom: 1.5rem;
    flex-shrink: 0;
    overflow: hidden;
}

.plan-icon svg {
    width: 100% !important;
    height: 100% !important;
    max-width: 60px !important;
    max-height: 60px !important;
    display: block;
}

.plan-name {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: white;
}

.plan-desc {
    color: rgba(255,255,255,0.7);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.plan-features {
    list-style: none;
    padding: 0;
    margin: 2rem 0;
}

.plan-features li {
    padding: 0.75rem 0;
    color: rgba(255,255,255,0.8);
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.plan-features li:last-child {
    border-bottom: none;
}

.plan-features li:before {
    content: "✓";
    color: var(--gold);
    margin-right: 0.75rem;
    font-weight: bold;
}

/* Process Steps */
.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.process-step {
    text-align: center;
    padding: 2rem;
    background: rgba(255,255,255,0.03);
    border-radius: 16px;
    /* Trust Fund (light sections): make card edges clearly visible */
    border: 1.5px solid rgba(10,26,59,0.18);
    box-shadow: 0 10px 30px rgba(10,26,59,0.06);
    backdrop-filter: blur(20px);
    transition: all 0.3s ease;
}


.process-step:hover {
    transform: translateY(-5px);
    border-color: var(--gold);
    box-shadow: 0 10px 30px rgba(245,166,35,0.2);
}

.process-number {
    width: 60px;
    height: 60px;
    margin: 0 auto 1.5rem;
    background: linear-gradient(135deg, var(--gold), var(--sky));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: white;
}

.process-step h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: white;
}

.process-step p {
    color: rgba(255,255,255,0.7);
    line-height: 1.6;
}

@media (max-width: 768px) {
    .icon-cards,
    .plan-cards,
    .process-steps {
        grid-template-columns: 1fr;
    }
}

/* ── Light-section overrides (life/about pages) ──
   The generic “Service Pages” card styles below are dark-glass based (white text),
   which can make life page cards disappear. Force light backgrounds + dark text here. */
.section .icon-card,
.section-alt .icon-card {
    background: #fff;
    border: 1px solid var(--border-light);
    box-shadow: var(--shadow-sm);
    backdrop-filter: none;
}

.section .icon-card h3,
.section-alt .icon-card h3 {
    color: var(--navy) !important;
}

.section .icon-card p,
.section-alt .icon-card p {
    color: var(--muted) !important;
}

/* Plan cards (used by “Choose Your Life Cover” / “Why Life Insurance Matters”) */
.section .plan-card,
.section-alt .plan-card {
    background: #fff;
    border: 1.5px solid rgba(15,35,84,0.10);
    box-shadow: 0 12px 35px rgba(10,26,59,0.10);
    backdrop-filter: none;
}


.section .plan-name,
.section-alt .plan-name {
    color: var(--navy) !important;
}

.section .plan-desc,
.section-alt .plan-desc {
    color: var(--muted) !important;
}

.section .plan-features li,
.section-alt .plan-features li {
    color: var(--muted) !important;
    border-bottom: 1px solid rgba(226,232,240,0.85);
}

.section .plan-features li:before,
.section-alt .plan-features li:before {
    color: var(--gold) !important;
}


/* Widget Card Icons */
.heartbeat-icon,
.growth-chart,
.liquidity-icon,
.retirement-icon,
.education-icon,
.trust-icon {
    width: 100% !important;
    max-width: 200px !important;
    height: 100px !important;
    margin: 0 auto 1.5rem;
    overflow: hidden;
}

.heartbeat-svg,
.chart-svg,
.liquidity-svg,
.retirement-svg,
.education-svg,
.trust-svg {
    width: 100% !important;
    height: 100% !important;
    max-width: 200px !important;
    max-height: 100px !important;
    display: block;
}

.widget-card {
    max-width: 350px;
    background: linear-gradient(160deg, rgba(10,26,59,0.9), rgba(10,26,59,0.7));
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    backdrop-filter: blur(20px);
    box-shadow: 0 10px 40px rgba(0,0,0,0.3);
}

.widget-card h3 {
    font-size: 1.25rem;
    margin: 1rem 0 0.5rem;
    color: white;
}

.widget-card p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    line-height: 1.5;
}

.widget-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.widget-stat-item {
    text-align: center;
}

.widget-stat-value {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--gold);
    margin-bottom: 0.25rem;
}

.widget-stat-label {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.6);
}


/* Global SVG size constraints for service pages */
.section svg {
    max-width: 100%;
    height: auto;
}

.plan-card svg,
.icon-card svg {
    width: 60px !important;
    height: 60px !important;
}

.widget-card svg {
    max-width: 200px !important;
    max-height: 120px !important;
}


/* Service Pages Hero Section - Complete Styles */
.page-hero {
    min-height: 600px;
    display: flex;
    align-items: center;
    position: relative;
}

.hero-grid-bg {
    position: absolute;
    inset: 0;
    background-image: 
        linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
    background-size: 60px 60px;
    opacity: 0.5;
}

.page-hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

.page-hero-text {
    max-width: 600px;
}

.page-hero-badge {
    display: inline-block;
    padding: 0.5rem 1rem;
    background: linear-gradient(135deg, rgba(245,166,35,0.2), rgba(27,143,231,0.2));
    border: 1px solid rgba(245,166,35,0.3);
    border-radius: 20px;
    color: var(--gold);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
}

.page-hero-title {
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    color: white;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.page-hero-subtitle {
    font-size: 1.125rem;
    color: rgba(255,255,255,0.7);
    line-height: 1.7;
    margin-bottom: 2rem;
}

.page-hero-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.page-hero-visual {
    display: flex;
    justify-content: center;
    align-items: center;
}

@media (max-width: 968px) {
    .page-hero-content {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    
    .page-hero-visual {
        order: -1;
    }
}

@media (max-width: 768px) {
    .page-hero {
        min-height: auto;
        padding: 100px 0 60px;
    }
    
    .page-hero-actions {
        flex-direction: column;
    }
    
    .page-hero-actions .btn-primary,
    .page-hero-actions .btn-secondary {
        width: 100%;
        text-align: center;
    }
}


/* ══════════════════════════════════════════════════════════════════════════
   WORLD-CLASS NAVBAR - Modern Mega Menu Design
   ══════════════════════════════════════════════════════════════════════════ */

.navbar-world-class {
  background: rgba(10,26,59,0.0);
  transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

.navbar-world-class.scrolled {
  background: rgba(10,26,59,0.97);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.08), 
              0 8px 32px rgba(0,0,0,0.3),
              inset 0 1px 0 rgba(255,255,255,0.05);
}

/* Logo with icon */
.nav-logo-icon {
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--gold) 0%, var(--sky) 100%);
  border-radius: 8px;
  flex-shrink: 0;
}

.nav-logo-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--navy);
  stroke-width: 2.5;
}

/* Nav items */
.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 16px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  border-radius: 10px;
  transition: all 0.25s cubic-bezier(0.4,0,0.2,1);
  cursor: pointer;
  position: relative;
}

.nav-link::before {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: 24px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  transition: transform 0.3s ease;
}

.nav-link:hover {
  color: #fff;
  background: rgba(255,255,255,0.08);
}

.nav-link:hover::before {
  transform: translateX(-50%) scaleX(1);
}

.nav-link-dropdown {
  user-select: none;
}

.nav-chevron {
  transition: transform 0.3s ease;
  opacity: 0.6;
}

.nav-item-mega.mega-open .nav-chevron {
  transform: rotate(180deg);
}

/* Phone number in nav */
.nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,0.1);
  transition: all 0.25s ease;
}

.nav-phone svg {
  opacity: 0.7;
}

.nav-phone:hover {
  color: var(--gold);
  border-color: var(--gold);
  background: rgba(245,166,35,0.08);
}

.nav-phone:hover svg {
  opacity: 1;
}

/* Mega Menu */
.mega-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  width: 720px;
  max-width: 90vw;
  background: rgba(10,26,59,0.98);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 8px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.4),
              0 0 0 1px rgba(255,255,255,0.08) inset;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateX(-50%) translateY(-12px);
  transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
  z-index: 1000;
}

.nav-item-mega.mega-open .mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.mega-menu-inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}

.mega-menu-col {
  display: flex;
  flex-direction: column;
}

.mega-menu-section {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.mega-section-label {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.4);
  padding: 12px 16px 8px;
}

.mega-menu-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border-radius: 12px;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}

.mega-menu-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(180deg, var(--gold) 0%, var(--sky) 100%);
  transform: scaleY(0);
  transition: transform 0.3s ease;
}

.mega-menu-item:hover::before {
  transform: scaleY(1);
}

.mega-menu-item:hover {
  background: rgba(255,255,255,0.08);
}

.mega-item-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.mega-menu-item:hover .mega-item-icon {
  transform: scale(1.1);
}

.mega-item-icon svg {
  width: 20px;
  height: 20px;
}

.mega-icon-general {
  background: rgba(27,143,231,0.12);
}
.mega-icon-general svg {
  stroke: var(--sky);
}

.mega-icon-life {
  background: rgba(245,86,86,0.12);
}
.mega-icon-life svg {
  stroke: #e05454;
}

.mega-icon-asset {
  background: rgba(52,199,89,0.12);
}
.mega-icon-asset svg {
  stroke: #2eb85c;
}

.mega-icon-mmf {
  background: rgba(245,166,35,0.12);
}
.mega-icon-mmf svg {
  stroke: var(--gold);
}

.mega-icon-pension {
  background: rgba(88,86,214,0.12);
}
.mega-icon-pension svg {
  stroke: #5856d6;
}

.mega-icon-edu {
  background: rgba(255,149,0,0.12);
}
.mega-icon-edu svg {
  stroke: #ff9500;
}

.mega-icon-trust {
  background: rgba(255,255,255,0.08);
}
.mega-icon-trust svg {
  stroke: rgba(255,255,255,0.7);
}

.mega-item-content {
  flex: 1;
  min-width: 0;
}

.mega-item-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: rgba(255,255,255,0.95);
  margin-bottom: 2px;
  transition: color 0.25s ease;
}

.mega-menu-item:hover .mega-item-title {
  color: #fff;
}

.mega-item-desc {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.4;
  transition: color 0.25s ease;
}

.mega-menu-item:hover .mega-item-desc {
  color: rgba(255,255,255,0.65);
}

/* CTA Button */
.nav-cta svg {
  width: 14px;
  height: 14px;
  transition: transform 0.3s ease;
}

.nav-cta:hover svg {
  transform: translateX(4px);
}

/* Mobile responsive */
@media (max-width: 1024px) {
  .nav-phone {
    display: none;
  }
}

@media (max-width: 860px) {
  .mega-menu {
    width: 600px;
  }
  
  .mega-menu-inner {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* Tablet portrait and mobile */
@media (max-width: 720px) {
  .mega-menu {
    width: calc(100vw - 32px);
    left: 16px;
    right: 16px;
    transform: none;
  }
  
  .nav-item-mega.mega-open .mega-menu {
    transform: translateY(0);
  }
  
  .mega-menu-inner {
    grid-template-columns: 1fr;
  }
}


/* ══════════════════════════════════════════════════════════════════════════
   PARTICLES CANVAS - For all hero sections
   ══════════════════════════════════════════════════════════════════════════ */

#particles-canvas {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
}

.page-hero {
  position: relative;
  overflow: hidden;
}

.page-hero-content,
.container {
  position: relative;
  z-index: 2;
}


/* ══════════════════════════════════════════════════════════════════════════
   MODERN SERVICE CARDS - World-Class Premium Design
   ══════════════════════════════════════════════════════════════════════════ */

.service-card-modern {
  position: relative;
  background: #fff;
  border: 1px solid rgba(10,26,59,0.08);
  border-radius: 16px;
  padding: 0;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  cursor: pointer;
  box-shadow: 0 2px 12px rgba(10,26,59,0.06);
}

.service-card-modern-bg { display: none; }
.service-card-modern-shine { display: none; }

/* Icon section */
.sc-modern-icon-wrap {
  position: relative;
  width: 72px;
  height: 72px;
  margin: 36px auto 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 20px;
  z-index: 2;
}

.sc-icon-glow { display: none; }

.sc-modern-icon-wrap svg {
  width: 32px;
  height: 32px;
  position: relative;
  z-index: 2;
}

/* Icon color variants */
.sc-icon-motor {
  background: linear-gradient(135deg, rgba(27,143,231,0.12) 0%, rgba(27,143,231,0.08) 100%);
}
.sc-icon-motor svg { stroke: var(--sky); }
.sc-icon-motor .sc-icon-glow { background: var(--sky); }

.sc-icon-life {
  background: linear-gradient(135deg, rgba(245,86,86,0.12) 0%, rgba(245,86,86,0.08) 100%);
}
.sc-icon-life svg { stroke: #e05454; }
.sc-icon-life .sc-icon-glow { background: #e05454; }

.sc-icon-asset {
  background: linear-gradient(135deg, rgba(52,199,89,0.12) 0%, rgba(52,199,89,0.08) 100%);
}
.sc-icon-asset svg { stroke: #2eb85c; }
.sc-icon-asset .sc-icon-glow { background: #2eb85c; }

.sc-icon-mmf {
  background: linear-gradient(135deg, rgba(245,166,35,0.12) 0%, rgba(245,166,35,0.08) 100%);
}
.sc-icon-mmf svg { stroke: var(--gold); }
.sc-icon-mmf .sc-icon-glow { background: var(--gold); }

.sc-icon-pension {
  background: linear-gradient(135deg, rgba(88,86,214,0.12) 0%, rgba(88,86,214,0.08) 100%);
}
.sc-icon-pension svg { stroke: #5856d6; }
.sc-icon-pension .sc-icon-glow { background: #5856d6; }

.sc-icon-edu {
  background: linear-gradient(135deg, rgba(255,149,0,0.12) 0%, rgba(255,149,0,0.08) 100%);
}
.sc-icon-edu svg { stroke: #ff9500; }
.sc-icon-edu .sc-icon-glow { background: #ff9500; }

.sc-icon-trust {
  background: linear-gradient(135deg, rgba(10,26,59,0.12) 0%, rgba(10,26,59,0.08) 100%);
}
.sc-icon-trust svg { stroke: var(--navy); }
.sc-icon-trust .sc-icon-glow { background: var(--navy); }

.sc-icon-liab {
  background: linear-gradient(135deg, rgba(88,86,214,0.12) 0%, rgba(88,86,214,0.08) 100%);
}
.sc-icon-liab svg { stroke: #5856d6; }

/* Content section */
.sc-modern-content {
  padding: 0 32px 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 12px;
  position: relative;
  z-index: 2;
  text-align: center;
}

.sc-modern-content h3 {
  font-size: 1.25rem;
  color: var(--navy);
  font-weight: 700;
  margin: 0;
  transition: color 0.3s ease;
}

.service-card-modern:hover .sc-modern-content h3 {
  color: var(--sky);
}

.sc-modern-content p {
  font-size: 0.9375rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}

/* Badge */
.sc-modern-badge {
  display: inline-block;
  align-self: center;
  padding: 6px 16px;
  background: linear-gradient(135deg, rgba(245,166,35,0.1) 0%, rgba(27,143,231,0.1) 100%);
  border: 1px solid rgba(245,166,35,0.2);
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.02em;
  transition: all 0.3s ease;
}

.service-card-modern:hover .sc-modern-badge {
  background: rgba(245,166,35,0.15);
  border-color: rgba(245,166,35,0.35);
}

/* Footer section */
.sc-modern-footer {
  padding: 20px 32px 32px;
  border-top: 1px solid rgba(10,26,59,0.06);
  position: relative;
  z-index: 2;
  transition: all 0.3s ease;
}

.service-card-modern:hover .sc-modern-footer {
  border-top-color: rgba(245,166,35,0.15);
}

.sc-modern-link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--sky);
  transition: all 0.3s ease;
}

.sc-modern-link svg {
  width: 16px;
  height: 16px;
  transition: transform 0.3s ease;
}

.service-card-modern:hover .sc-modern-link svg {
  transform: translateX(4px);
}

.service-card-modern:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 28px rgba(10,26,59,0.11);
  border-color: rgba(245,166,35,0.3);
}

.service-card-modern:active {
  transform: translateY(-2px);
}

/* Grid responsive adjustments */
@media (max-width: 900px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
  
  .sc-modern-content {
    padding: 0 24px 20px;
  }
  
  .sc-modern-footer {
    padding: 16px 24px 28px;
  }
}

/* Loading animation when cards appear */
@keyframes cardReveal {
  from {
    opacity: 0;
    transform: translateY(40px) scale(0.95);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

.service-card-modern.visible {
  animation: cardReveal 0.6s cubic-bezier(0.4,0,0.2,1) forwards;
}


/* ===== CONTACT PAGE - WORLD CLASS ===== */
.contact-hero {
  position: relative;
  min-height: auto;
  padding: 120px 24px 60px;
}

.contact-methods-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 80px;
}

.contact-method-card {
  position: relative;
  background: linear-gradient(135deg, rgba(255,255,255,0.95) 0%, rgba(255,255,255,0.85) 100%);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 16px;
  padding: 40px 32px;
  text-align: center;
  text-decoration: none;
  color: inherit;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 4px 24px rgba(0,0,0,0.06);
}

.contact-method-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--charcoal) 100%);
  opacity: 0;
  transition: opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 0;
}

.contact-method-card:hover::before {
  opacity: 1;
}

.contact-method-card > * {
  position: relative;
  z-index: 1;
}

.contact-method-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.12);
  border-color: var(--gold);
}

.contact-method-shine {
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
  transition: left 0.6s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 2;
}

.contact-method-card:hover .contact-method-shine {
  left: 100%;
}

.contact-method-icon {
  width: 72px;
  height: 72px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.phone-icon {
  background: linear-gradient(135deg, var(--navy) 0%, var(--charcoal) 100%);
  color: var(--gold);
}

.whatsapp-icon {
  background: linear-gradient(135deg, #25D366 0%, #128C7E 100%);
  color: white;
}

.email-icon {
  background: linear-gradient(135deg, var(--sky) 0%, #0066cc 100%);
  color: white;
}

.contact-method-card:hover .contact-method-icon {
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 8px 24px rgba(0,0,0,0.2);
}

.contact-method-card h3 {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 8px;
  transition: color 0.4s ease;
}

.contact-method-card:hover h3 {
  color: white;
}

.contact-method-detail {
  font-size: 0.95rem;
  color: #5a6a7a;
  margin-bottom: 20px;
  transition: color 0.4s ease;
}

.contact-method-card:hover .contact-method-detail {
  color: rgba(255,255,255,0.8);
}

.contact-method-cta {
  display: inline-block;
  padding: 12px 28px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.9rem;
  transition: all 0.3s ease;
}

.whatsapp-cta {
  background: #25D366;
  color: white;
}

.contact-method-card:hover .contact-method-cta {
  background: white;
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
}

.whatsapp-card:hover .whatsapp-cta {
  background: white;
  color: #25D366;
}

.contact-content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-form-wrapper,
.contact-location-wrapper {
  position: relative;
}

.contact-form-header,
.contact-location-header {
  margin-bottom: 24px;
}

.section-title {
  margin-bottom: 8px;
}

.contact-form-subtitle,
.contact-location-subtitle {
  color: #5a6a7a;
  font-size: 0.95rem;
}

.modern-contact-form {
  background: white;
  border: 1px solid #e5e9f0;
  border-radius: 16px;
  padding: 32px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.04);
}

.contact-submit-btn {
  width: 100%;
  padding: 16px 32px;
  background: linear-gradient(135deg, #25D366 0%, #128C7E 100%);
  color: white;
  border: none;
  border-radius: 10px;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.3);
}

.contact-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
}

.contact-submit-btn:active {
  transform: translateY(0);
}

.map-container {
  border-radius: 16px;
  overflow: hidden;
  height: 320px;
  border: 1px solid #e5e9f0;
  margin-bottom: 20px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.04);
}

.map-directions-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  background: var(--navy);
  color: white;
  text-decoration: none;
  border-radius: 10px;
  font-weight: 600;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
}

.map-directions-btn:hover {
  background: var(--charcoal);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.15);
}

.office-details-card {
  margin-top: 24px;
  background: linear-gradient(135deg, #f8f9fc 0%, #ffffff 100%);
  border: 1px solid #e5e9f0;
  border-radius: 16px;
  padding: 28px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.04);
}

.office-details-title {
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 20px;
  font-weight: 700;
}

.office-details-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  color: var(--charcoal);
  font-size: 0.92rem;
  margin-bottom: 16px;
  line-height: 1.6;
}

.office-details-item:last-child {
  margin-bottom: 0;
}

.office-details-item svg {
  flex-shrink: 0;
  color: var(--navy);
  margin-top: 2px;
}

.office-website-link {
  color: var(--sky);
  text-decoration: none;
  transition: color 0.3s ease;
}

.office-website-link:hover {
  color: var(--navy);
  text-decoration: underline;
}

/* Responsive */
@media (max-width: 968px) {
  .contact-methods-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  
  .contact-content-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
}

@media (max-width: 768px) {
  .contact-method-card {
    padding: 32px 24px;
  }
  
  .modern-contact-form {
    padding: 24px;
  }
  
  .office-details-card {
    padding: 20px;
  }
}


/* Contact Hero Text Visibility */
.contact-hero .page-hero-content p {
  color: rgba(255, 255, 255, 0.95);
  font-weight: 400;
}

.contact-hero .page-hero-content h1 {
  color: white;
}

.contact-hero .page-hero-content .tag {
  background: rgba(255, 255, 255, 0.15);
  color: white;
  border: 1px solid rgba(255, 255, 255, 0.3);
}


/* Fix CTA Band Layout - Prevent Text/Button Overlap */
.cta-band {
  padding: 60px 28px;
}

.cta-band .container {
  max-width: 1200px;
  margin: 0 auto;
}

.cta-content {
  margin-bottom: 24px;
}

.cta-content h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.3;
}

.cta-content p {
  color: rgba(10,26,59,0.7);
  font-size: 1rem;
  line-height: 1.6;
}

/* Red CTA Button - Highly Visible */
.cta-band .btn-primary,
.cta-band .btn-large {
  background: linear-gradient(135deg, #e74c3c 0%, #c0392b 100%);
  color: white;
  box-shadow: 0 6px 24px rgba(231, 76, 60, 0.4);
  padding: 18px 40px;
  font-size: 1.05rem;
  font-weight: 700;
  border: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  white-space: nowrap;
}

.cta-band .btn-primary:hover,
.cta-band .btn-large:hover {
  background: linear-gradient(135deg, #c0392b 0%, #a93226 100%);
  transform: translateY(-3px);
  box-shadow: 0 10px 32px rgba(231, 76, 60, 0.5);
}

.cta-band .btn-primary:active,
.cta-band .btn-large:active {
  transform: translateY(-1px);
}

/* Ensure proper spacing on mobile */
@media (max-width: 768px) {
  .cta-band {
    padding: 48px 20px;
  }
  
  .cta-content {
    margin-bottom: 20px;
  }
  
  .cta-band .btn-primary,
  .cta-band .btn-large {
    width: 100%;
    padding: 16px 32px;
  }
}


/* ══════════════════════════════════════════════════════════════════════════
   CONTACT PAGE - WORLD-CLASS HERO SECTION
   ══════════════════════════════════════════════════════════════════════════ */

.contact-hero {
  background: var(--navy);
  min-height: 85vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 140px 28px 80px;
}

.contact-hero .page-hero-bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 60% 40%, rgba(27,143,231,0.15) 0%, transparent 65%),
              radial-gradient(ellipse 50% 50% at 20% 80%, rgba(245,166,35,0.10) 0%, transparent 60%),
              linear-gradient(160deg, #0A1A3B 0%, #071228 100%);
  z-index: 0;
}

.contact-hero .hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
  z-index: 0;
}

.contact-hero .page-hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.contact-hero .page-hero-text {
  max-width: none;
}

.contact-hero .page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(245,166,35,0.12);
  border: 1px solid rgba(245,166,35,0.25);
  border-radius: 100px;
  color: var(--gold);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}

.contact-hero .page-hero-title {
  font-size: clamp(2.5rem, 5vw, 4rem);
  color: white;
  margin-bottom: 20px;
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.contact-hero .page-hero-subtitle {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.70);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 540px;
}

.contact-hero .page-hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Hero Visual - Stats Cards */
.contact-hero-stats {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-stat-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 28px 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
  position: relative;
  overflow: hidden;
}

.contact-stat-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(245,166,35,0.08) 0%, rgba(27,143,231,0.08) 100%);
  opacity: 0;
  transition: opacity 0.4s ease;
}

.contact-stat-card:hover {
  transform: translateY(-4px);
  border-color: rgba(245,166,35,0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}

.contact-stat-card:hover::before {
  opacity: 1;
}

.stat-icon-wrap {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, rgba(245,166,35,0.15) 0%, rgba(27,143,231,0.15) 100%);
  border: 1px solid rgba(245,166,35,0.25);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
  transition: all 0.4s ease;
}

.contact-stat-card:hover .stat-icon-wrap {
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 8px 24px rgba(245,166,35,0.3);
}

.stat-icon-wrap svg {
  width: 28px;
  height: 28px;
  stroke: var(--gold);
}

.stat-value {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.8rem;
  font-weight: 600;
  color: white;
  margin-bottom: 6px;
  position: relative;
  z-index: 1;
}

.stat-label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  position: relative;
  z-index: 1;
}

/* Responsive */
@media (max-width: 968px) {
  .contact-hero .page-hero-content {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  
  .contact-hero-stats {
    flex-direction: row;
    justify-content: center;
    flex-wrap: wrap;
  }
  
  .contact-stat-card {
    flex: 1;
    min-width: 200px;
    max-width: 280px;
  }
}

@media (max-width: 768px) {
  .contact-hero {
    min-height: auto;
    padding: 120px 20px 60px;
  }
  
  .contact-hero .page-hero-actions {
    flex-direction: column;
  }
  
  .contact-hero .page-hero-actions .btn {
    width: 100%;
    justify-content: center;
  }
  
  .contact-hero-stats {
    flex-direction: column;
  }
  
  .contact-stat-card {
    max-width: none;
  }
}

/* Ensure particles canvas is visible */
.contact-hero #particles-canvas {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
}


/* ══════════════════════════════════════════════════════════════════════════
   NAVBAR LOGO IMAGE STYLING
   ══════════════════════════════════════════════════════════════════════════ */

.nav-logo-img {
  height: 42px;
  width: auto;
  display: block;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.nav-logo:hover .nav-logo-img {
  transform: scale(1.05);
  opacity: 0.9;
}

/* Remove the old icon-based logo styling when logo image is present */
.nav-logo:has(.nav-logo-img) .nav-logo-icon {
  display: none;
}

.nav-logo:has(.nav-logo-img) {
  gap: 0;
}

/* Mobile adjustments */
@media (max-width: 860px) {
  .nav-logo-img {
    height: 36px;
  }
}

@media (max-width: 640px) {
  .nav-logo-img {
    height: 32px;
  }
}


/* Footer Logo Image Styling */
.footer-logo-wrap {
  margin-bottom: 20px;
}

.footer-logo-img {
  height: 50px;
  width: auto;
  display: block;
  filter: brightness(1.2);
  transition: all 0.3s ease;
}

.footer-logo-img:hover {
  filter: brightness(1.4);
  transform: scale(1.02);
}

@media (max-width: 640px) {
  .footer-logo-img {
    height: 42px;
  }
}

/* ──────────────────────────────────────────────────────────────
   QUOTE PAGE (quote.html) - override globals + make it modern
   ────────────────────────────────────────────────────────────── */

/* Fix “huge icons” issue: clamp SVG sizes only inside quote page */
.quote-hero svg {
  width: auto;
  height: auto;
  max-width: 100%;
  display: block;
}

.qsc-icon-wrap svg,
.quote-service-card svg,
.quote-hero-features svg,
.quote-quick-contact svg,
.quote-confirmation svg,
.confirmation-detail-item svg {
  width: 22px;
  height: 22px;
  max-width: 22px;
  max-height: 22px;
}

/* Icon pill / card icon wrapper sizing */
.qsc-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
}

/* Quote wizard layout */
.quote-wizard-wrap {
  max-width: 980px;
  margin: 0 auto;
}

.quote-hero-content {
  max-width: 900px;
  margin: 0 auto;
}

/* Progress bar (step 1..4) */
.quote-progress {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0;
  margin-bottom: 36px;
  max-width: 980px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}

.quote-progress .progress-connector {
  flex: 1;
  height: 2px;
  background: linear-gradient(90deg, rgba(245,166,35,0.9), rgba(27,143,231,0.9));
  opacity: 0.45;
  margin: 0 12px;
  border-radius: 2px;
}

.progress-step {
  flex: 0 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  min-width: 110px;
  padding: 14px 12px;
  border-radius: 16px;
  border: 1px solid rgba(245,166,35,0.32);
  background: rgba(255,255,255,0.03);
  backdrop-filter: blur(10px);
}

.progress-step-number {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'IBM Plex Mono', monospace;
  font-weight: 700;
  color: rgba(255,255,255,0.92);
  border: 1px solid rgba(245,166,35,0.35);
  background: rgba(255,255,255,0.07);
}

.progress-step-label {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.78);
  text-align: center;
  line-height: 1.2;
}

.progress-step.active {
  background: rgba(245,166,35,0.10);
  border-color: rgba(245,166,35,0.78);
}

.progress-step.active .progress-step-number {
  color: var(--navy);
  background: linear-gradient(135deg, var(--gold), #f0ba4a);
  border-color: rgba(245,166,35,0.35);
}

.progress-step.active .progress-step-label {
  color: rgba(245,166,35,0.95);
}

.progress-step.done {
  background: rgba(27,143,231,0.10);
  border-color: rgba(27,143,231,0.62);
}

.progress-step.done .progress-step-number {
  color: #fff;
  border-color: rgba(27,143,231,0.35);
  background: rgba(27,143,231,0.18);
}

.progress-step.done .progress-step-label {
  color: rgba(27,143,231,0.95);
}

/* Make quote panels match world-class cards */
.quote-hero .section {
  padding: 0;
}

/* Quote wizard panels: avoid conflicting global light backgrounds */
.wizard-panel {
  background: rgba(10,26,59,0.5);
  border: 2px solid rgba(245,166,35,0.3);
  border-radius: 24px;
  padding: 32px;
  box-shadow: 0 20px 80px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  color: #fff;
}

/* Ensure inputs/labels are readable and consistent */
.wizard-panel label {
  color: rgba(255,255,255,0.86) !important;
}
.wizard-panel input,
.wizard-panel select,
.wizard-panel textarea {
  background: rgba(255,255,255,0.92) !important;
  color: var(--charcoal) !important;
}

.wizard-panel-header h2 {
  color: #fff;
  font-size: 1.75rem;
  font-weight: 700;
  margin-bottom: 12px;
  text-shadow: 0 2px 12px rgba(0,0,0,0.2);
}

.wizard-panel-header p {
  color: rgba(255,255,255,0.85);
  font-size: 1rem;
  font-weight: 500;
  text-shadow: 0 1px 6px rgba(0,0,0,0.1);
}

/* Quote page: fully dark “glass” theme (navy/dark backgrounds with gold/sky borders) */
.quote-hero,
.quote-hero * {
  color-scheme: dark;
}

/* Keep the whole page dark-canvas */
.quote-hero {
  background: linear-gradient(160deg, var(--navy) 0%, #071228 100%);
}

/* Ensure quote wizard text stays readable */
.quote-hero .quote-hero-content,
.quote-hero .quote-wizard-wrap,
.quote-hero .quote-progress,
.quote-hero .wizard-panel,
.quote-hero .quote-service-card,
.quote-hero .progress-step,
.quote-hero .quote-confirmation,
.quote-hero .confirmation-details,
.quote-hero .quote-confirmation * {
  color: #fff;
}

/* Slight dark backdrop to reduce “washed” look */
.quote-hero .section {
  background: transparent;
}

/* Quote Page - Section Background Override */
.quote-hero + .section {
  background: linear-gradient(160deg, #0A1A3B 0%, #071228 100%) !important;
  padding: 80px 0;
}

/* Quote Services Grid */
.quote-services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 28px;
}

@media (max-width: 980px) {
  .quote-services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .quote-services-grid {
    grid-template-columns: 1fr;
  }
}

.quote-service-card {
  border-radius: 18px;
  border: 2px solid rgba(245,166,35,0.5);
  background: rgba(10,26,59,0.6);
  backdrop-filter: blur(12px);
  padding: 22px 18px;
  cursor: pointer;
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  text-align: center;
  min-height: 160px;
  position: relative;
  outline: none;
  box-shadow: 0 8px 32px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.1);
}

.quote-service-card:hover {
  transform: translateY(-8px);
  border-color: rgba(245,166,35,0.9);
  box-shadow: 0 24px 60px rgba(245,166,35,0.3), 0 0 50px rgba(245,166,35,0.15), inset 0 1px 0 rgba(255,255,255,0.15);
  background: rgba(10,26,59,0.7);
}

.quote-service-card.selected {
  border-color: var(--gold);
  background: rgba(245,166,35,0.2);
  box-shadow: 0 20px 60px rgba(245,166,35,0.5), 0 0 60px rgba(245,166,35,0.3), var(--shadow-gold);
}

.quote-service-card h3 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  line-height: 1.2;
  margin-top: 4px;
  text-shadow: 0 2px 10px rgba(0,0,0,0.3);
}

.quote-service-card p {
  color: rgba(255,255,255,0.9);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.5;
  text-shadow: 0 1px 6px rgba(0,0,0,0.2);
}

.quote-service-card:focus-visible {
  box-shadow: 0 0 0 4px rgba(27,143,231,0.35), var(--shadow-gold);
}

/* Inputs inside quote page */
.quote-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 720px) {
  .quote-form .form-row {
    grid-template-columns: 1fr;
  }
}

.quote-hero .form-field label {
  color: rgba(255,255,255,0.8) !important;
  font-weight: 800;
}

.quote-hero .form-field input,
.quote-hero .form-field select,
.quote-hero .form-field textarea {
  background: rgba(255,255,255,0.92) !important;
}

.quote-hero textarea {
  resize: vertical;
}

/* Wizard buttons alignment */
.wizard-nav {
  gap: 12px;
  flex-wrap: wrap;
}

.wizard-nav .btn {
  min-width: 210px;
  justify-content: center;
}

/* Confirmation step */
.quote-confirmation {
  color: #fff;
}

.confirmation-icon {
  width: 84px;
  height: 84px;
  border-radius: 24px;
  background: rgba(245,166,35,0.12);
  border: 1px solid rgba(245,166,35,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}

.confirmation-message {
  color: rgba(255,255,255,0.7);
}

/* Ensure quote-specific hero background shows */
.quote-hero {
  background: var(--navy);
  padding-top: 170px;
  padding-bottom: 70px;
}

/* Make hero badge consistent */
.page-hero-badge,
.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(245,166,35,0.12);
  border: 1px solid rgba(245,166,35,0.25);
  color: var(--gold);
  border-radius: 999px;
  font-weight: 800;
}

/* Responsive progress steps */
@media (max-width: 860px) {
  .quote-progress {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }
  .quote-progress .progress-connector {
    display: none;
  }
  .progress-step {
    min-width: auto;
    flex-direction: row;
    justify-content: flex-start;
    padding: 12px 14px;
  }
  .progress-step-number {
    width: 32px;
    height: 32px;
  }
  .progress-step-label {
    text-align: left;
  }
}


/* Quote Page Hero - Enhanced Typography */
.quote-hero .page-hero-title {
  text-shadow: 0 4px 20px rgba(0,0,0,0.4);
  font-weight: 800;
  color: #fff;
}

.quote-hero .page-hero-subtitle {
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  text-shadow: 0 2px 12px rgba(0,0,0,0.3);
}

.quote-hero .page-hero-badge {
  text-shadow: 0 2px 8px rgba(0,0,0,0.3);
  box-shadow: 0 4px 16px rgba(245,166,35,0.2);
  border-width: 1.5px;
}

/* Quote Hero Features Enhancement */
.quote-hero-features {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 28px;
}

.quote-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 18px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 100px;
  font-size: 0.9rem;
  font-weight: 600;
  color: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  text-shadow: 0 1px 4px rgba(0,0,0,0.2);
  transition: all 0.3s ease;
}

.quote-feature:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(245,166,35,0.4);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
}

/* Quote Quick Contact Enhancement */
.quote-quick-contact {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 12px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.85);
  margin-top: 24px;
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}

.quote-quick-contact span {
  color: rgba(255,255,255,0.85);
}

.quote-quick-contact a {
  color: var(--gold);
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s ease;
}

.quote-quick-contact a:hover {
  color: #fff;
  text-shadow: 0 0 10px var(--gold);
}

/* Service Badge Enhancement */
.service-badge {
  display: inline-block;
  padding: 6px 16px;
  background: rgba(245,166,35,0.18);
  border: 1.5px solid rgba(245,166,35,0.4);
  border-radius: 100px;
  color: var(--gold);
  font-weight: 700;
  font-size: 0.9rem;
  text-shadow: 0 1px 4px rgba(0,0,0,0.2);
  box-shadow: 0 2px 8px rgba(245,166,35,0.15);
}

/* Quote Confirmation Enhancement */
.quote-confirmation {
  padding: 48px 32px;
  text-align: center;
}

.confirmation-icon {
  width: 84px;
  height: 84px;
  border-radius: 24px;
  background: rgba(245,166,35,0.15);
  border: 2px solid rgba(245,166,35,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 32px rgba(245,166,35,0.2);
}

.quote-confirmation h2 {
  color: #fff;
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 16px;
  text-shadow: 0 2px 12px rgba(0,0,0,0.3);
}

.confirmation-message {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 32px;
}

.confirmation-details {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 32px;
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

.confirmation-detail-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 12px;
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  backdrop-filter: blur(10px);
}

.confirmation-detail-item svg {
  color: var(--gold);
  flex-shrink: 0;
}

.confirmation-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 400px;
  margin: 0 auto;
}


/* Quote Page - WhatsApp Icon Green Color */
.quote-quick-contact svg {
  fill: #25D366 !important;
  transition: all 0.2s ease;
}

.quote-quick-contact:hover svg {
  fill: #1fb855 !important;
  filter: drop-shadow(0 0 8px rgba(37, 211, 102, 0.3));
}

/* Quote Page - WhatsApp Link Green Color */
.quote-quick-contact a {
  color: #25D366 !important;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s ease;
}

.quote-quick-contact a:hover {
  color: #1fb855 !important;
  text-shadow: 0 0 10px rgba(37, 211, 102, 0.4);
}

/* Enhanced Details Textarea */
.quote-form textarea {
  min-height: 180px;
  font-size: 0.95rem;
  line-height: 1.6;
  padding: 16px;
  resize: vertical;
}

.quote-form textarea::placeholder {
  color: rgba(10,26,59,0.5);
  font-size: 0.9rem;
  line-height: 1.5;
}


/* About Page - Fix Button Visibility */
.section-grey .btn,
.section-alt .btn {
  box-shadow: 0 4px 16px rgba(0,0,0,0.15) !important;
  border: 1px solid rgba(10,26,59,0.1) !important;
}

.section-grey .btn-primary,
.section-alt .btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, #f0ba4a 100%) !important;
  color: var(--navy) !important;
}

.section-grey .btn-ghost,
.section-alt .btn-ghost {
  background: rgba(10,26,59,0.05) !important;
  color: var(--navy) !important;
  border: 1.5px solid rgba(10,26,59,0.2) !important;
}

.section-grey .btn-ghost:hover,
.section-alt .btn-ghost:hover {
  background: rgba(10,26,59,0.1) !important;
  border-color: var(--navy) !important;
}


/* ══════════════════════════════════════════════════════════════════════════
   BLOG PAGE STYLES - WORLD CLASS DESIGN
   ══════════════════════════════════════════════════════════════════════════ */

/* Featured Blog Article */
.blog-featured {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: #fff;
  border: 1px solid rgba(10,26,59,0.08);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 80px rgba(10,26,59,0.12);
  transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
  position: relative;
}

.blog-featured::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 24px;
  padding: 2px;
  background: linear-gradient(135deg, var(--gold), var(--sky));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.5s ease;
}

.blog-featured:hover::before {
  opacity: 1;
}

.blog-featured:hover {
  transform: translateY(-8px);
  box-shadow: 0 32px 100px rgba(10,26,59,0.18);
}

.blog-featured-image {
  position: relative;
  overflow: hidden;
  min-height: 400px;
}

.blog-featured-content {
  padding: 56px 48px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  background: linear-gradient(135deg, #fff 0%, #f7f9fc 100%);
}

.blog-featured-content h2 {
  font-size: 2.2rem;
  line-height: 1.15;
  margin: 0;
}

.blog-featured-content h2 a {
  color: var(--navy);
  transition: color 0.3s ease;
  background: linear-gradient(135deg, var(--sky), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  transition: all 0.3s ease;
}

.blog-featured-content h2 a:hover {
  opacity: 0.8;
}

.blog-featured-content p {
  color: var(--muted);
  font-size: 1.1rem;
  line-height: 1.75;
  flex: 1;
}

/* Blog Category Badge */
.blog-category {
  position: absolute;
  top: 24px;
  left: 24px;
  background: var(--gold);
  color: var(--navy);
  padding: 10px 20px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  z-index: 10;
  box-shadow: 0 8px 24px rgba(245,166,35,0.4);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.3);
}

/* Blog Meta Info */
.blog-meta {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 0.9rem;
  color: rgba(10,26,59,0.6);
  font-weight: 500;
}

.blog-meta span {
  display: flex;
  align-items: center;
  gap: 8px;
}

/* Blog Grid */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(360px, 1fr));
  gap: 32px;
}

/* Blog Card - Premium Design */
.blog-card {
  background: #fff;
  border: 1px solid rgba(10,26,59,0.08);
  border-radius: 20px;
  overflow: hidden;
  transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
  display: flex;
  flex-direction: column;
  box-shadow: 0 8px 32px rgba(10,26,59,0.08);
  position: relative;
}

.blog-card::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 20px;
  padding: 2px;
  background: linear-gradient(135deg, var(--gold), var(--sky));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.5s ease;
  z-index: 1;
}

.blog-card:hover::before {
  opacity: 1;
}

.blog-card:hover {
  transform: translateY(-12px);
  box-shadow: 0 24px 70px rgba(10,26,59,0.15);
}

.blog-card-image {
  position: relative;
  overflow: hidden;
}

.blog-card-content {
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  flex: 1;
  background: linear-gradient(180deg, #fff 0%, #f7f9fc 100%);
  position: relative;
  z-index: 2;
}

.blog-card-content h3 {
  font-size: 1.35rem;
  line-height: 1.3;
  margin: 0;
  min-height: 56px;
}

.blog-card-content h3 a {
  color: var(--navy);
  transition: all 0.3s ease;
}

.blog-card-content h3 a:hover {
  color: var(--sky);
}

.blog-card-content p {
  color: var(--muted);
  font-size: 0.98rem;
  line-height: 1.7;
  flex: 1;
}

.blog-read-more {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--sky);
  font-weight: 700;
  font-size: 0.95rem;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.blog-read-more:hover {
  color: var(--gold);
  gap: 14px;
}

/* Responsive Blog Layout */
@media (max-width: 1024px) {
  .blog-featured {
    grid-template-columns: 1fr;
  }
  
  .blog-featured-image {
    min-height: 350px;
  }
  
  .blog-featured-content {
    padding: 40px 32px;
  }
  
  .blog-grid {
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 28px;
  }
}

@media (max-width: 768px) {
  .blog-featured-content {
    padding: 32px 24px;
  }
  
  .blog-featured-content h2 {
    font-size: 1.75rem;
  }
  
  .blog-grid {
    grid-template-columns: 1fr;
  }
  
  .blog-card-content {
    padding: 28px 24px;
  }
  
  .blog-card-content h3 {
    min-height: auto;
  }
}

/* Blog Article Page Styles */
.blog-article-header {
  max-width: 800px;
  margin: 0 auto 48px;
  text-align: center;
}

.blog-article-title {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--navy);
  margin-bottom: 24px;
  line-height: 1.15;
}

.blog-article-meta {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  font-size: 0.95rem;
  color: var(--muted);
  margin-bottom: 32px;
}

.blog-article-content {
  max-width: 800px;
  margin: 0 auto;
  font-size: 1.05rem;
  line-height: 1.8;
  color: var(--charcoal);
}

.blog-article-content h2 {
  font-size: 1.8rem;
  color: var(--navy);
  margin-top: 48px;
  margin-bottom: 20px;
}

.blog-article-content h3 {
  font-size: 1.4rem;
  color: var(--navy);
  margin-top: 36px;
  margin-bottom: 16px;
}

.blog-article-content p {
  margin-bottom: 24px;
}

.blog-article-content ul, 
.blog-article-content ol {
  margin-bottom: 24px;
  padding-left: 32px;
}

.blog-article-content li {
  margin-bottom: 12px;
}

.blog-article-content strong {
  color: var(--navy);
  font-weight: 600;
}

.blog-highlight-box {
  background: linear-gradient(135deg, rgba(245,166,35,0.08) 0%, rgba(27,143,231,0.08) 100%);
  border-left: 4px solid var(--gold);
  padding: 24px 28px;
  border-radius: 12px;
  margin: 32px 0;
}

.blog-highlight-box h4 {
  color: var(--navy);
  font-size: 1.15rem;
  margin-bottom: 12px;
}

.blog-cta-box {
  background: var(--navy);
  color: #fff;
  padding: 40px;
  border-radius: 16px;
  text-align: center;
  margin: 48px 0;
}

.blog-cta-box h3 {
  color: #fff;
  font-size: 1.75rem;
  margin-bottom: 16px;
}

.blog-cta-box p {
  color: rgba(255,255,255,0.8);
  margin-bottom: 28px;
}

/* ═══════════════════════════════════════════════
   MOBILE-FIRST OVERRIDES  (max-width: 768px)
   ═══════════════════════════════════════════════ */
@media (max-width: 768px) {

  /* ── Base ── */
  html, body { overflow-x: hidden; }
  .container  { padding: 0 16px; }
  .section    { padding: 56px 0; }
  .section-header  { margin-bottom: 36px; }
  .section-title   { font-size: 1.75rem; }
  .section-sub, .section-subtitle { font-size: 0.95rem; }

  /* ── Navbar ── */
  .nav-inner  { padding: 0 16px; height: 64px; }
  .nav-logo   { font-size: 1.25rem; }
  .nav-logo-img { height: 36px; width: auto; }
  .nav-links, .nav-actions { display: none; }
  .hamburger  { display: flex; }

  /* ── Mobile menu ── */
  .mobile-menu {
    padding: 80px 20px 100px;
    overflow-y: auto;
    justify-content: flex-start;
    align-items: stretch;
    gap: 4px;
  }
  .mobile-menu a {
    max-width: 100%;
    font-size: 1rem;
    padding: 13px 18px;
    text-align: left;
  }
  .mobile-menu .mobile-cta { text-align: center; margin-top: 12px; }

  /* ── Hero ── */
  .hero-body {
    padding: 90px 16px 40px;
    flex-direction: column;
    gap: 32px;
  }
  .hero-right  { display: none; }
  .hero-headline { font-size: 2rem; line-height: 1.1; }
  .hero-sub    { font-size: 0.95rem; margin-bottom: 28px; }
  .hero-btns   { flex-direction: column; gap: 10px; margin-bottom: 32px; }
  .hero-btns .btn { width: 100%; justify-content: center; font-size: 0.95rem; padding: 14px 20px; }
  .hero-trust  { gap: 12px; }
  .hero-trust-sep { display: none; }
  .hero-trust-badge { font-size: 0.78rem; }
  .hero-pill   { margin-bottom: 20px; }

  /* Trust bar */
  .trust-bar-inner { flex-direction: column; gap: 10px; align-items: flex-start; padding: 0 4px; }
  .tbi { font-size: 0.8rem; }

  /* ── Services grid ── */
  .services-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .sc-modern-icon-wrap { width: 56px; height: 56px; margin: 24px auto 16px; }
  .sc-modern-icon-wrap svg { width: 24px; height: 24px; }
  .sc-modern-content  { padding: 0 16px 16px; gap: 8px; }
  .sc-modern-content h3 { font-size: 1rem; }
  .sc-modern-content p  { font-size: 0.82rem; }
  .sc-modern-badge { font-size: 0.72rem; padding: 4px 10px; }
  .sc-modern-footer { padding: 14px 16px 20px; }
  .sc-modern-link   { font-size: 0.82rem; }

  /* ── How it works ── */
  .steps-row { grid-template-columns: 1fr; gap: 20px; }
  .steps-row::before { display: none; }
  .step-item { padding: 0 8px; }

  /* ── Stats band ── */
  .stats-band { padding: 40px 16px; }
  .stats-band-inner { grid-template-columns: repeat(2,1fr); gap: 2px; }
  .stat-block { padding: 24px 12px; }
  .sn { font-size: 2rem; }
  .sl { font-size: 0.78rem; }

  /* ── Testimonials ── */
  .testi-track-outer {
    -webkit-mask: linear-gradient(to right, transparent 0%, black 4%, black 96%, transparent 100%);
    mask: linear-gradient(to right, transparent 0%, black 4%, black 96%, transparent 100%);
  }
  .testi-card  { width: 280px; padding: 24px; }
  .testi-text  { font-size: 0.88rem; }

  /* ── Why Qubic ── */
  .why-grid { grid-template-columns: 1fr; gap: 14px; }
  .why-card { padding: 22px; gap: 14px; }

  /* ── Partners ── */
  .partners-section { padding: 32px 16px; }
  .partners-track   { gap: 8px; }
  .partner-chip     { font-size: 0.78rem; padding: 6px 12px; }

  /* ── CTA band ── */
  .cta-band, .cta-section { padding: 48px 16px; text-align: center; }
  .cta-band h2, .cta-section h2 { font-size: 1.6rem; }
  .cta-band .btn, .cta-section .btn { width: 100%; justify-content: center; }
  .cta-actions { flex-direction: column; gap: 10px; align-items: stretch; }

  /* ── Footer ── */
  .footer-main   { grid-template-columns: 1fr; gap: 32px; padding-bottom: 40px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; font-size: 0.8rem; }
  .footer-tagline { max-width: 100%; }
  footer { padding-bottom: 80px; }

  /* ── Mobile sticky bar ── */
  .mobile-sticky,
  .mobile-sticky-bar { padding: 10px 12px 14px; gap: 8px; }
  .mobile-sticky a,
  .mobile-sticky-bar .mobile-action { font-size: 0.82rem; padding: 11px 8px; }
}

/* ── Extra small (≤ 400px) ── */
@media (max-width: 400px) {
  .hero-headline  { font-size: 1.7rem; }
  .services-grid  { grid-template-columns: 1fr; }
  .testi-card     { width: 260px; }
  .section-title  { font-size: 1.5rem; }
  .btn-lg         { padding: 13px 18px; font-size: 0.9rem; }
}

/* ── TRUST TICKER ── */
.ticker-bar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1100;
  height: 32px;
  background: #050e22;
  border-bottom: 1px solid rgba(245,166,35,0.2);
  display: flex;
  align-items: center;
  overflow: hidden;
}
.ticker-label {
  flex-shrink: 0;
  padding: 0 14px;
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--gold);
  text-transform: uppercase;
  border-right: 1px solid rgba(255,255,255,0.08);
  height: 100%;
  display: flex;
  align-items: center;
  background: rgba(245,166,35,0.06);
  white-space: nowrap;
}
.ticker-track-outer {
  flex: 1;
  overflow: hidden;
  -webkit-mask: linear-gradient(to right, transparent 0%, black 3%, black 97%, transparent 100%);
  mask: linear-gradient(to right, transparent 0%, black 3%, black 97%, transparent 100%);
}
.ticker-track {
  display: flex;
  align-items: center;
  width: max-content;
  animation: tickerScroll 35s linear infinite;
}
.ticker-track:hover { animation-play-state: paused; }
@keyframes tickerScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.tick-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 0 16px;
  white-space: nowrap;
}
.tick-dot {
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.7;
  flex-shrink: 0;
}
.tick-text {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.65);
}
.tick-sep {
  color: rgba(255,255,255,0.15);
  font-size: 0.8rem;
  flex-shrink: 0;
}

/* Push navbar below ticker */
.navbar { top: 32px; }
.hero-body { padding-top: 122px; }

/* Mobile: hide ticker, reset navbar */
@media (max-width: 768px) {
  .ticker-bar  { display: none; }
  .navbar      { top: 0; }
  .hero-body   { padding-top: 90px; }
}

/* ── COUNT-UP flash on complete ── */
.count-up { transition: color 0.3s ease; }

/* ── Savings Plan section responsive ── */
@media (max-width: 768px) {
  .savings-two-col { grid-template-columns: 1fr !important; }
}

/* ══════════════════════════════════════════════════════════════════════════
   QUOTE PAGE — WORLD-CLASS STYLES
   ══════════════════════════════════════════════════════════════════════════ */

/* Hero */
.quote-hero {
  background: var(--navy);
  min-height: 52vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 140px 28px 80px;
}
.quote-hero .page-hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 70% 40%, rgba(27,143,231,0.14) 0%, transparent 65%),
    radial-gradient(ellipse 40% 50% at 15% 80%, rgba(245,166,35,0.09) 0%, transparent 60%),
    linear-gradient(160deg, #0A1A3B 0%, #071228 100%);
  z-index: 0;
}
.quote-hero .hero-grid-lines {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
  z-index: 0;
}
.quote-hero #particles-canvas { position: absolute; inset: 0; z-index: 1; pointer-events: none; }
.quote-hero .container { position: relative; z-index: 2; }

.quote-hero-content { max-width: 720px; }
.quote-hero-content .page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(245,166,35,0.12);
  border: 1px solid rgba(245,166,35,0.25);
  border-radius: 100px;
  color: var(--gold);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}
.quote-hero-content .page-hero-title {
  font-size: clamp(2.2rem, 4.5vw, 3.5rem);
  color: #fff;
  margin-bottom: 18px;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.quote-hero-content .page-hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.75;
  margin-bottom: 32px;
  max-width: 580px;
}
.quote-hero-features {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.quote-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  font-weight: 500;
}
.quote-feature svg { stroke: var(--gold); flex-shrink: 0; }

/* Wizard wrapper */
.quote-wizard-wrap {
  max-width: 860px;
  margin: 0 auto;
}

/* Progress Steps */
.quote-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 56px;
  gap: 0;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  position: relative;
  z-index: 1;
}
.progress-step-number {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(10,26,59,0.06);
  border: 2px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--muted);
  transition: all 0.35s ease;
}
.progress-step-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  transition: color 0.35s ease;
  white-space: nowrap;
}
.progress-step.active .progress-step-number {
  background: var(--navy);
  border-color: var(--gold);
  color: var(--gold);
  box-shadow: 0 0 0 5px rgba(245,166,35,0.12);
}
.progress-step.active .progress-step-label { color: var(--navy); }
.progress-step.done .progress-step-number {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.progress-step.done .progress-step-label { color: var(--gold); }
.progress-connector {
  flex: 1;
  height: 2px;
  background: var(--border-light);
  margin: 0 8px;
  margin-bottom: 28px;
  transition: background 0.35s ease;
  max-width: 80px;
}

/* Wizard Panel */
.wizard-panel { display: none; animation: fadeUp 0.35s ease; }
.wizard-panel.active { display: block; }

.wizard-panel-header {
  text-align: center;
  margin-bottom: 40px;
}
.wizard-panel-header h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--navy);
  margin-bottom: 10px;
}
.wizard-panel-header p {
  color: var(--muted);
  font-size: 1rem;
}

/* Service Cards Grid */
.quote-services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.quote-service-card {
  background: #fff;
  border: 2px solid var(--border-light);
  border-radius: 16px;
  padding: 24px 16px 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
  position: relative;
  overflow: hidden;
}
.quote-service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(245,166,35,0.05), rgba(27,143,231,0.05));
  opacity: 0;
  transition: opacity 0.3s ease;
}
.quote-service-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(245,166,35,0.15);
}
.quote-service-card:hover::before { opacity: 1; }
.quote-service-card.selected {
  border-color: var(--gold);
  background: linear-gradient(135deg, rgba(245,166,35,0.06), rgba(27,143,231,0.04));
  box-shadow: 0 8px 28px rgba(245,166,35,0.18), 0 0 0 4px rgba(245,166,35,0.1);
}
.quote-service-card.selected::after {
  content: '✓';
  position: absolute;
  top: 10px; right: 12px;
  width: 22px; height: 22px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 22px;
}
.qsc-icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  transition: transform 0.3s ease;
}
.qsc-icon-wrap svg { width: 24px; height: 24px; }
.quote-service-card:hover .qsc-icon-wrap,
.quote-service-card.selected .qsc-icon-wrap { transform: scale(1.1); }
.quote-service-card h3 {
  font-size: 0.9rem;
  color: var(--navy);
  margin-bottom: 4px;
  font-weight: 700;
}
.quote-service-card p {
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.4;
}

/* Quick contact hint */
.quote-quick-contact {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f0f7ff;
  border: 1px solid rgba(27,143,231,0.15);
  border-radius: 10px;
  padding: 14px 18px;
  margin-bottom: 28px;
  font-size: 0.9rem;
  color: var(--charcoal);
}
.quote-quick-contact a { color: #25D366; font-weight: 600; }
.quote-quick-contact a:hover { text-decoration: underline; }

/* Quote form fields */
.quote-form { margin-bottom: 28px; }
.quote-form .form-field label {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
  display: block;
}
.quote-form .form-field input,
.quote-form .form-field select,
.quote-form .form-field textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: 10px;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
  background: #fff;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.quote-form .form-field input:focus,
.quote-form .form-field select:focus,
.quote-form .form-field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(245,166,35,0.1);
}
.quote-form .form-field textarea { resize: vertical; line-height: 1.6; }

/* Service badge inline */
.service-badge {
  display: inline-block;
  background: linear-gradient(135deg, rgba(245,166,35,0.12), rgba(27,143,231,0.1));
  border: 1px solid rgba(245,166,35,0.25);
  color: var(--gold);
  padding: 3px 12px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 700;
}

/* Wizard nav */
.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-top: 8px;
}
.wizard-nav .btn-ghost {
  background: transparent;
  color: var(--muted);
  border: 1.5px solid var(--border-light);
}
.wizard-nav .btn-ghost:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: transparent;
  transform: none;
}

/* Confirmation screen */
.quote-confirmation {
  text-align: center;
  padding: 60px 40px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,0.1);
  position: relative;
  overflow: hidden;
}
.quote-confirmation::before {
  content: '';
  position: absolute;
  top: -60px; left: 50%; transform: translateX(-50%);
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,166,35,0.08), transparent 70%);
  pointer-events: none;
}
.confirmation-icon {
  width: 88px; height: 88px;
  background: rgba(52,199,89,0.12);
  border: 2px solid rgba(52,199,89,0.35);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
  position: relative; z-index: 1;
}
.confirmation-icon svg { stroke: #34c759; }
.quote-confirmation h2 {
  font-size: 2rem;
  color: #fff;
  margin-bottom: 14px;
  position: relative; z-index: 1;
}
.confirmation-message {
  color: rgba(255,255,255,0.72);
  font-size: 1.05rem;
  line-height: 1.7;
  max-width: 480px;
  margin: 0 auto 32px;
  position: relative; z-index: 1;
}
.confirmation-message strong { color: var(--gold); }
.confirmation-details {
  display: flex;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: 36px;
  position: relative; z-index: 1;
}
.confirmation-detail-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
}
.confirmation-detail-item svg { stroke: var(--gold); flex-shrink: 0; }
.confirmation-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative; z-index: 1;
}

/* Responsive */
@media (max-width: 768px) {
  .quote-services-grid { grid-template-columns: repeat(2, 1fr); }
  .quote-hero { padding: 120px 20px 60px; min-height: auto; }
  .quote-hero-features { gap: 16px; }
  .quote-confirmation { padding: 40px 24px; }
  .confirmation-details { gap: 16px; }
  .confirmation-actions { flex-direction: column; }
  .confirmation-actions .btn { width: 100%; justify-content: center; }
  .progress-connector { max-width: 40px; }
  .progress-step-label { font-size: 0.68rem; }
}
@media (max-width: 480px) {
  .quote-services-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .quote-service-card { padding: 18px 10px 14px; }
  .quote-service-card h3 { font-size: 0.82rem; }
  .wizard-nav { flex-direction: column-reverse; }
  .wizard-nav .btn { width: 100%; justify-content: center; }
}