/* ==========================================================================
   MEDISCHEME - MODERN PREMIUM DESIGN SYSTEM & STYLESHEET
   Colors: Pure White, Deep Navy Blue, Electric Blue, Jet Black / Dark Slate
   ========================================================================== */

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

:root {
  /* Color Palette */
  --bg-primary: #FFFFFF;
  --bg-secondary: #F8FAFC;
  --bg-accent: #F0F7FF;
  --bg-ice: #EBF5FF;
  
  --navy-dark: #0A2540;
  --navy-medium: #0F3860;
  --blue-primary: #0066FF;
  --blue-hover: #0052CC;
  --blue-electric: #1E88E5;
  --blue-light: #E0F2FE;
  --blue-glow: rgba(0, 102, 255, 0.15);
  
  --text-heading: #0F172A;   /* Black / Dark Slate */
  --text-body: #334155;      /* Dark Charcoal */
  --text-muted: #64748B;     /* Slate Gray */
  --text-light: #94A3B8;
  
  --border-light: #E2E8F0;
  --border-subtle: #F1F5F9;
  --border-blue: rgba(0, 102, 255, 0.2);
  
  --accent-green: #10B981;
  --accent-green-bg: #ECFDF5;
  --accent-orange: #F59E0B;

  /* Typography */
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Elevational Shadows */
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 8px 16px -4px rgba(10, 37, 64, 0.08), 0 4px 6px -2px rgba(10, 37, 64, 0.03);
  --shadow-lg: 0 20px 25px -5px rgba(10, 37, 64, 0.1), 0 8px 10px -6px rgba(10, 37, 64, 0.04);
  --shadow-blue: 0 12px 30px -5px rgba(0, 102, 255, 0.28);
  --shadow-card: 0 10px 30px rgba(15, 23, 42, 0.05);

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Transitions */
  --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: all 0.15s ease;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-primary);
  color: var(--text-body);
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-heading);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

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

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

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 3.5rem 0;
  position: relative;
}

.section-bg-accent {
  background-color: var(--bg-accent);
}

.section-bg-secondary {
  background-color: var(--bg-secondary);
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 2.25rem auto;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  font-size: 0.875rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
  border: 1px solid rgba(0, 102, 255, 0.15);
  font-family: var(--font-heading);
}

.section-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--text-heading);
  margin-bottom: 1rem;
}

.section-title span {
  color: var(--blue-primary);
  position: relative;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Button Component System */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.875rem 1.75rem;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--blue-primary);
  color: #FFFFFF;
  box-shadow: var(--shadow-blue);
}

.btn-primary:hover {
  background-color: var(--blue-hover);
  transform: translateY(-2px);
  box-shadow: 0 16px 32px -5px rgba(0, 102, 255, 0.35);
}

.btn-navy {
  background-color: var(--navy-dark);
  color: #FFFFFF;
  box-shadow: var(--shadow-md);
}

.btn-navy:hover {
  background-color: var(--navy-medium);
  transform: translateY(-2px);
  color: #FFFFFF;
}

.btn-secondary {
  background-color: #FFFFFF;
  color: var(--navy-dark);
  border-color: var(--border-light);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  background-color: var(--bg-secondary);
  border-color: var(--blue-primary);
  color: var(--blue-primary);
  transform: translateY(-2px);
}

.btn-outline-blue {
  background-color: transparent;
  color: var(--blue-primary);
  border: 2px solid var(--blue-primary);
}

.btn-outline-blue:hover {
  background-color: var(--blue-primary);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.btn-sm {
  padding: 0.6rem 1.2rem;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  padding: 1.1rem 2.25rem;
  font-size: 1.05rem;
  border-radius: var(--radius-lg);
}

.btn svg {
  width: 20px;
  height: 20px;
  transition: transform 0.2s ease;
}

.btn:hover svg {
  transform: translateX(3px);
}

/* ==========================================================================
   NAVIGATION BAR (CLEAN, MODERN GLASSMORPHIC HEADER)
   ========================================================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  transition: var(--transition);
}

.header::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy-dark) 0%, var(--blue-primary) 50%, var(--blue-electric) 100%);
}

.header.scrolled {
  background-color: rgba(255, 255, 255, 0.98);
  box-shadow: 0 8px 24px -6px rgba(10, 37, 64, 0.08);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: 1.5rem;
  width: 100%;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
  white-space: nowrap;
  transition: var(--transition-fast);
}

.brand-logo:hover {
  transform: translateY(-1px);
}

.brand-logo-img {
  height: 72px;
  width: auto;
  max-width: 320px;
  object-fit: contain;
  display: block;
}

.footer-logo-box {
  background-color: #FFFFFF;
  padding: 0.85rem 1.6rem;
  border-radius: var(--radius-lg);
  display: inline-flex;
  align-items: center;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.2);
  margin-bottom: 1.5rem;
  transition: var(--transition);
}

.footer-logo-box:hover {
  transform: translateY(-2px);
}

.footer-logo-box .brand-logo-img {
  height: 60px;
  max-width: 270px;
}

.logo-mark {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--blue-primary) 100%);
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(0, 102, 255, 0.3);
  transition: var(--transition);
  flex-shrink: 0;
}

.brand-logo:hover .logo-mark {
  transform: rotate(-3deg) scale(1.04);
}

.logo-text {
  display: flex;
  flex-direction: column;
  white-space: nowrap;
}

.logo-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy-dark);
  letter-spacing: -0.03em;
  line-height: 1;
  white-space: nowrap;
}

.logo-title span {
  color: var(--blue-primary);
}

.logo-subtitle {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 3px;
  white-space: nowrap;
}

.nav-menu,
.nav-list {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  list-style: none;
  list-style-type: none;
  margin: 0;
  padding: 0;
  white-space: nowrap;
}

.nav-menu li,
.nav-list li {
  list-style: none;
  list-style-type: none;
  white-space: nowrap;
}

.mobile-drawer-action {
  display: none;
}

.nav-link {
  font-family: var(--font-heading);
  font-size: 0.885rem;
  font-weight: 600;
  color: var(--text-heading);
  transition: var(--transition-fast);
  padding: 0.4rem 0.5rem;
  position: relative;
  text-decoration: none;
  white-space: nowrap;
  display: inline-block;
}

.nav-link:hover {
  color: var(--blue-primary);
}

.nav-link.active {
  color: var(--blue-primary);
  font-weight: 700;
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 50%;
  transform: translateX(-50%);
  width: 16px;
  height: 3px;
  background-color: var(--blue-primary);
  border-radius: 3px;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  flex-shrink: 0;
  white-space: nowrap;
}

.phone-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.48rem 0.95rem;
  background-color: var(--bg-accent);
  border: 1.5px solid var(--blue-light);
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy-dark);
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: var(--transition);
}

.phone-badge span {
  white-space: nowrap;
}

.phone-badge:hover {
  background-color: #FFFFFF;
  border-color: var(--blue-primary);
  color: var(--blue-primary);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}

.phone-badge svg {
  color: var(--blue-primary);
  flex-shrink: 0;
}

.mobile-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  cursor: pointer;
  padding: 0.4rem;
  color: var(--navy-dark);
  transition: var(--transition);
  flex-shrink: 0;
}

.mobile-toggle:hover {
  background-color: var(--bg-accent);
  color: var(--blue-primary);
  border-color: var(--blue-light);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero {
  padding-top: 7.25rem;
  padding-bottom: 3.5rem;
  background: radial-gradient(circle at 80% 10%, rgba(224, 242, 254, 0.6) 0%, rgba(255, 255, 255, 0) 50%),
              radial-gradient(circle at 10% 80%, rgba(240, 247, 255, 0.8) 0%, rgba(255, 255, 255, 0) 60%);
  position: relative;
  overflow: hidden;
}

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

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.5rem 1.2rem;
  background: #FFFFFF;
  border: 1px solid var(--border-blue);
  box-shadow: var(--shadow-sm);
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-dark);
  margin-bottom: 1.5rem;
}

.hero-badge .pulse-dot {
  width: 8px;
  height: 8px;
  background-color: var(--accent-green);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulseGreen 2s infinite;
}

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

.hero-title {
  font-size: 3.4rem;
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy-dark);
  margin-bottom: 1.5rem;
  letter-spacing: -0.03em;
}

.hero-title .highlight-blue {
  color: var(--blue-primary);
  background: linear-gradient(120deg, var(--navy-dark) 0%, var(--blue-primary) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: 1.2rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 2.25rem;
  max-width: 90%;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  margin-bottom: 3rem;
  flex-wrap: wrap;
}

.hero-trust-bar {
  display: flex;
  align-items: center;
  gap: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border-light);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-heading);
}

.trust-item svg {
  color: var(--blue-primary);
}

/* Hero Right Visual Stack */
.hero-visual-card {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 6px solid #FFFFFF;
}

.hero-image-wrapper img {
  width: 100%;
  height: 480px;
  object-fit: cover;
}

.floating-badge {
  position: absolute;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.8);
  display: flex;
  align-items: center;
  gap: 0.85rem;
  z-index: 10;
  animation: floatAnim 4s ease-in-out infinite;
}

.floating-badge-1 {
  top: 12%;
  left: -8%;
}

.floating-badge-2 {
  bottom: 8%;
  right: -6%;
  animation-delay: -2s;
}

@keyframes floatAnim {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.badge-icon-box {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.badge-icon-box.green {
  background-color: var(--accent-green-bg);
  color: var(--accent-green);
}

.badge-text-title {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy-dark);
}

.badge-text-sub {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ==========================================================================
   INSURER LOGOS BAR
   ========================================================================== */
.insurer-bar {
  padding: 2.5rem 0;
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--border-subtle);
}

.insurer-title {
  text-align: center;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 1.75rem;
}

.insurer-logos-grid {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 2rem;
}

.insurer-chip {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.75rem 1.5rem;
  background-color: var(--bg-secondary);
  border-radius: var(--radius-md);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy-dark);
  border: 1px solid var(--border-light);
  transition: var(--transition);
}

.insurer-chip:hover {
  background-color: #FFFFFF;
  border-color: var(--blue-primary);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  color: var(--blue-primary);
}

.insurer-chip .logo-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: var(--blue-primary);
}

/* ==========================================================================
   WHY MEDISCHEME (4 PILLARS)
   ========================================================================== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
}

.why-card {
  background: #FFFFFF;
  padding: 2.25rem 1.75rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  height: 100%;
}

.why-card > button,
.why-card .btn {
  margin-top: auto !important;
}

.why-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--navy-dark), var(--blue-primary));
  opacity: 0;
  transition: var(--transition);
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-light);
}

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

.why-icon {
  width: 56px;
  height: 56px;
  background-color: var(--bg-accent);
  border-radius: 16px;
  color: var(--blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: var(--transition);
}

.why-card:hover .why-icon {
  background-color: var(--blue-primary);
  color: #FFFFFF;
  transform: scale(1.08);
}

.why-card-title {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 0.85rem;
  color: var(--navy-dark);
}

.why-card-desc {
  font-size: 0.98rem;
  color: var(--text-body);
  line-height: 1.6;
}

/* ==========================================================================
   INTERACTIVE CALCULATOR / ESTIMATOR SECTION
   ========================================================================== */
.calculator-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-light);
  padding: 3rem;
  max-width: 1000px;
  margin: 0 auto;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.calc-controls h3 {
  font-size: 1.5rem;
  color: var(--navy-dark);
  margin-bottom: 1.5rem;
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-label {
  display: block;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.925rem;
  color: var(--text-heading);
  margin-bottom: 0.6rem;
}

.radio-group {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.radio-card {
  position: relative;
}

.radio-card input {
  position: absolute;
  opacity: 0;
  cursor: pointer;
  height: 0;
  width: 0;
}

.radio-custom {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 0.5rem;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--text-heading);
  text-align: center;
  background-color: var(--bg-secondary);
}

.radio-card input:checked ~ .radio-custom {
  border-color: var(--blue-primary);
  background-color: var(--blue-light);
  color: var(--blue-primary);
}

.select-custom {
  width: 100%;
  padding: 0.85rem 1rem;
  font-family: var(--font-body);
  font-size: 1rem;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  background-color: var(--bg-secondary);
  color: var(--text-heading);
  outline: none;
  cursor: pointer;
  transition: var(--transition);
}

.select-custom:focus {
  border-color: var(--blue-primary);
  background-color: #FFFFFF;
}

.calc-display {
  background: linear-gradient(145deg, var(--navy-dark) 0%, var(--navy-medium) 100%);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  color: #FFFFFF;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-md);
}

.calc-display-badge {
  display: inline-block;
  padding: 0.35rem 1rem;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1.25rem;
}

.calc-amount-title {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 0.5rem;
}

.calc-amount {
  font-family: var(--font-heading);
  font-size: 3.25rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 0.5rem;
  line-height: 1;
}

.calc-amount span {
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
}

.calc-note {
  font-size: 0.85rem;
  color: var(--accent-green);
  font-weight: 600;
  margin-bottom: 2rem;
}

.calc-features-list {
  text-align: left;
  list-style: none;
  margin-bottom: 2rem;
}

.calc-features-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.925rem;
  margin-bottom: 0.75rem;
  color: rgba(255, 255, 255, 0.9);
}

.calc-features-list svg {
  color: var(--accent-green);
  flex-shrink: 0;
}

/* ==========================================================================
   SERVICES TABS SECTION
   ========================================================================== */
.services-tabs-nav {
  display: flex;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 3rem;
  flex-wrap: wrap;
}

.tab-btn {
  padding: 0.85rem 1.75rem;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  background-color: #FFFFFF;
  color: var(--text-heading);
  border: 1px solid var(--border-light);
  cursor: pointer;
  transition: var(--transition);
}

.tab-btn:hover {
  border-color: var(--blue-primary);
  color: var(--blue-primary);
}

.tab-btn.active {
  background-color: var(--navy-dark);
  color: #FFFFFF;
  border-color: var(--navy-dark);
  box-shadow: var(--shadow-md);
}

.tab-panel {
  display: none;
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-lg);
  padding: 3.5rem;
  animation: fadeIn 0.4s ease;
}

.tab-panel.active {
  display: block;
}

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

.tab-content-grid,
.tab-panel-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
}

.tab-info h3,
.tab-panel-title {
  font-size: 2rem;
  color: var(--navy-dark);
  margin-bottom: 1.25rem;
}

.tab-info p,
.tab-panel-desc {
  font-size: 1.05rem;
  color: var(--text-body);
  margin-bottom: 1.75rem;
  line-height: 1.7;
}

.tab-checklist {
  list-style: none;
  margin-bottom: 2.25rem;
}

.tab-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-heading);
  margin-bottom: 1rem;
}

.tab-checklist svg {
  color: var(--blue-primary);
  flex-shrink: 0;
  margin-top: 3px;
}

.tab-image-box,
.tab-panel-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  max-width: 420px;
  width: 100%;
}

.tab-image-box img,
.tab-media-img {
  width: 100%;
  height: 280px;
  max-height: 280px;
  object-fit: cover;
  border-radius: var(--radius-lg);
}

/* ==========================================================================
   FIRST-TIME ADVICE VS POLICY REVIEW COMPARISON
   ========================================================================== */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
}

.comp-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 3rem 2.5rem;
  border: 2px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
}

.comp-card.featured {
  border-color: var(--blue-primary);
  box-shadow: var(--shadow-lg);
}

.comp-card-badge {
  position: absolute;
  top: -16px;
  right: 30px;
  background-color: var(--blue-primary);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.35rem 1rem;
  border-radius: var(--radius-full);
  text-transform: uppercase;
}

.comp-header {
  margin-bottom: 2rem;
}

.comp-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.comp-title {
  font-size: 1.6rem;
  color: var(--navy-dark);
  margin-bottom: 0.5rem;
}

.comp-subtitle {
  font-size: 0.95rem;
  color: var(--text-muted);
}

.comp-features {
  list-style: none;
  margin-bottom: 2.5rem;
}

.comp-features li {
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--border-subtle);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--text-heading);
}

.comp-features li svg {
  color: var(--accent-green);
  flex-shrink: 0;
}

/* ==========================================================================
   HOW IT WORKS (3 STEPS)
   ========================================================================== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  position: relative;
}

.step-card {
  background-color: #FFFFFF;
  padding: 2.5rem 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  position: relative;
  text-align: center;
  transition: var(--transition);
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--blue-light);
}

.step-number {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-dark), var(--blue-primary));
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem auto;
  box-shadow: 0 6px 16px rgba(0, 102, 255, 0.25);
}

.step-title {
  font-size: 1.25rem;
  color: var(--navy-dark);
  margin-bottom: 0.85rem;
}

.step-desc {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
}

/* ==========================================================================
   TESTIMONIALS SECTION
   ========================================================================== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}

.testimonial-card {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.stars {
  display: flex;
  gap: 0.25rem;
  color: #F59E0B;
  margin-bottom: 1.25rem;
}

.testimonial-quote {
  font-size: 1rem;
  color: var(--text-body);
  line-height: 1.65;
  font-style: italic;
  margin-bottom: 1.75rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1rem;
  border-top: 1px solid var(--border-subtle);
  padding-top: 1.25rem;
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  font-family: var(--font-heading);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.author-info h4 {
  font-size: 0.95rem;
  color: var(--navy-dark);
  font-weight: 700;
}

.author-info p {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FAQ ACCORDION SECTION
   ========================================================================== */
.faq-container {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  background-color: #FFFFFF;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  margin-bottom: 1rem;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--blue-light);
}

.faq-question {
  width: 100%;
  padding: 1.35rem 1.75rem;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy-dark);
  cursor: pointer;
  transition: var(--transition-fast);
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background-color: var(--bg-secondary);
  color: var(--navy-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}

.faq-item.active .faq-icon {
  background-color: var(--blue-primary);
  color: #FFFFFF;
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0, 1, 0, 1);
  padding: 0 1.75rem;
  color: var(--text-body);
  font-size: 1rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 500px;
  transition: max-height 0.4s cubic-bezier(1, 0, 1, 0);
  padding-bottom: 1.5rem;
}

/* ==========================================================================
   HIGH IMPACT CTA BANNER
   ========================================================================== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, #0F3860 60%, var(--blue-primary) 100%);
  border-radius: var(--radius-xl);
  padding: 4.5rem 3rem;
  color: #FFFFFF;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(0, 102, 255, 0.3) 0%, rgba(0, 0, 0, 0) 70%);
  border-radius: 50%;
}

.cta-content {
  position: relative;
  z-index: 5;
  max-width: 760px;
  margin: 0 auto;
}

.cta-content h2 {
  color: #FFFFFF;
  font-size: 2.75rem;
  font-weight: 800;
  margin-bottom: 1.25rem;
}

.cta-content p {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 2.5rem;
}

.cta-buttons {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

/* ==========================================================================
   MODAL DIALOG (MULTI-STEP QUOTE REQUEST)
   ========================================================================== */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  padding: 1.5rem;
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal-container {
  background-color: #FFFFFF;
  width: 100%;
  max-width: 680px;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  transform: scale(0.95);
  transition: var(--transition);
  position: relative;
}

.modal-overlay.active .modal-container {
  transform: scale(1);
}

.modal-header {
  padding: 1.75rem 2.25rem;
  border-bottom: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background-color: var(--bg-secondary);
}

.modal-title {
  font-size: 1.35rem;
  color: var(--navy-dark);
}

.modal-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-muted);
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-fast);
}

.modal-close:hover {
  background-color: var(--border-light);
  color: var(--navy-dark);
}

.modal-body {
  padding: 2.25rem;
}

/* Step Progress Indicator */
.step-progress-bar {
  display: flex;
  justify-content: space-between;
  margin-bottom: 2rem;
  position: relative;
}

.step-progress-bar::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  height: 2px;
  background-color: var(--border-light);
  transform: translateY(-50%);
  z-index: 1;
}

.step-dot-item {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: #FFFFFF;
  border: 2px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--text-muted);
  position: relative;
  z-index: 2;
  transition: var(--transition);
}

.step-dot-item.active {
  border-color: var(--blue-primary);
  background-color: var(--blue-primary);
  color: #FFFFFF;
  box-shadow: 0 0 0 4px var(--blue-light);
}

.step-dot-item.completed {
  border-color: var(--accent-green);
  background-color: var(--accent-green);
  color: #FFFFFF;
}

.modal-step-panel {
  display: none;
}

.modal-step-panel.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

.modal-footer {
  padding: 1.5rem 2.25rem;
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* Input Fields */
.input-control {
  width: 100%;
  padding: 0.875rem 1.15rem;
  font-family: var(--font-body);
  font-size: 1rem;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  outline: none;
  transition: var(--transition);
  background-color: #FFFFFF;
}

.input-control:focus {
  border-color: var(--blue-primary);
  box-shadow: 0 0 0 3px var(--blue-light);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer {
  background-color: var(--navy-dark);
  color: #FFFFFF;
  padding-top: 5rem;
  padding-bottom: 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1.4fr;
  gap: 3.5rem;
  margin-bottom: 2rem;
}

.footer-col-about .logo-title {
  color: #FFFFFF;
}

.footer-about-text {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  margin: 1.25rem 0 1.5rem 0;
  line-height: 1.65;
}

.regulatory-badge-box {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  flex-wrap: wrap;
}

.reg-badge {
  padding: 0.45rem 0.85rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: #FFFFFF;
  display: inline-flex;
  align-items: center;
}

.reg-badge-amii {
  padding: 0.35rem 0.85rem;
  background: #FFFFFF;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
  transition: var(--transition-fast);
}

.reg-badge-amii:hover {
  transform: translateY(-1px);
}

.amii-logo-img {
  height: 26px;
  width: auto;
  object-fit: contain;
  display: block;
}

.inline-amii-logo {
  height: 24px;
  width: auto;
  vertical-align: middle;
  margin: 0 0.4rem;
  background: #FFFFFF;
  padding: 0.15rem 0.4rem;
  border-radius: 4px;
  display: inline-block;
}

.footer-legal-text {
  max-width: 100%;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.55;
  margin-top: 1.5rem;
}

.footer-legal-list {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.footer-legal-list li {
  font-size: 0.785rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.45;
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}

.footer-legal-list li svg {
  color: var(--blue-primary);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 1.5rem;
  margin-top: 2.5rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  font-weight: 500;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

.made-by-text {
  color: rgba(255, 255, 255, 0.7);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.heart-icon {
  display: inline-block;
  font-size: 0.9rem;
  animation: pulseHeart 1.5s infinite ease-in-out;
}

@keyframes pulseHeart {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.2); }
}

.talvyyo-link {
  color: #FFFFFF;
  font-weight: 700;
  text-decoration: none;
  position: relative;
  transition: all 0.25s ease;
  padding: 0.1rem 0.3rem;
  border-radius: 4px;
}

.talvyyo-link:hover,
.talvyyo-link:focus,
.talvyyo-link:active {
  color: var(--blue-electric);
  text-decoration: underline;
  text-underline-offset: 4px;
  background-color: rgba(30, 136, 229, 0.15);
}

.footer-heading {
  font-size: 1.1rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 1.5rem;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.85rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.footer-links a:hover {
  color: #FFFFFF;
  padding-left: 4px;
}

.contact-info-list {
  list-style: none;
}

.contact-info-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.925rem;
  margin-bottom: 1rem;
}

.contact-info-list svg {
  color: var(--blue-electric);
  flex-shrink: 0;
  margin-top: 3px;
}

/* ==========================================================================
   COMPREHENSIVE RESPONSIVE MEDIA QUERIES
   ========================================================================== */

/* Tablets & Mobile Menu Drawer Switch (<= 992px) */
@media (max-width: 992px) {
  .nav-menu {
    position: fixed;
    top: 76px;
    left: 1.5rem;
    right: 1.5rem;
    background-color: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 1.75rem;
    border-radius: var(--radius-xl);
    box-shadow: 0 20px 40px rgba(10, 37, 64, 0.15);
    border: 1px solid var(--border-light);
    transform: translateY(-150%);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    gap: 0.75rem;
    z-index: 1001;
  }

  .nav-menu.mobile-open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .nav-link {
    width: 100%;
    text-align: center;
    padding: 0.75rem 1rem;
    font-size: 1.05rem;
    border-radius: var(--radius-md);
  }

  .mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .nav-actions .phone-badge {
    display: none;
  }

  .mobile-drawer-action {
    display: block;
    width: 100%;
    margin-top: 0.5rem;
  }

  .mobile-phone-badge {
    display: flex;
    justify-content: center;
    width: 100%;
    padding: 0.75rem 1rem;
    font-size: 0.95rem;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 2.5rem;
  }

  .hero-description {
    margin: 0 auto 2rem auto;
    max-width: 100%;
  }

  .hero-actions {
    justify-content: center;
  }

  .hero-trust-bar {
    justify-content: center;
    flex-wrap: wrap;
    gap: 1.25rem;
  }

  .hero-image-wrapper img {
    height: 380px;
  }

  .calc-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .tab-content-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
}

/* Tablets & Mobile Devices (<= 768px) */
@media (max-width: 768px) {
  .section {
    padding: 3.5rem 0;
  }

  .hero {
    padding-top: 7.5rem;
    padding-bottom: 3rem;
  }

  .hero-title {
    font-size: 2.1rem;
  }

  .section-title {
    font-size: 1.85rem;
  }

  /* Calculator Mobile Responsiveness Fix */
  .calculator-card {
    padding: 1.25rem 0.85rem;
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
    overflow: hidden;
    border-radius: var(--radius-lg);
  }

  .calc-controls h3 {
    font-size: 1.2rem;
    overflow-wrap: break-word;
  }

  .radio-group {
    grid-template-columns: 1fr;
    gap: 0.5rem;
    width: 100%;
  }

  .radio-custom {
    padding: 0.75rem 0.5rem;
    font-size: 0.875rem;
    width: 100%;
  }

  .calc-display {
    padding: 1.35rem 0.85rem;
    width: 100%;
    box-sizing: border-box;
    overflow: hidden;
    border-radius: var(--radius-md);
  }

  .calc-amount {
    font-size: 2.2rem;
  }

  .calc-amount span {
    font-size: 0.85rem;
  }

  .calc-note {
    font-size: 0.8rem;
    margin-bottom: 1.25rem;
  }

  .calc-features-list li {
    font-size: 0.85rem;
  }

  .comparison-grid, .steps-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .comp-card, .why-card, .step-card {
    padding: 1.5rem 1.15rem;
  }

  .tab-panel {
    padding: 1.75rem 1.15rem;
  }

  .tab-content-grid, .tab-panel-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .tab-image-box, .tab-panel-media {
    max-width: 100%;
  }

  .tab-image-box img, .tab-media-img {
    height: 220px;
    max-height: 220px;
  }

  .services-tabs-nav {
    gap: 0.5rem;
    overflow-x: auto;
    padding-bottom: 0.5rem;
    justify-content: flex-start;
  }

  .tab-btn {
    padding: 0.6rem 1.15rem;
    font-size: 0.85rem;
    white-space: nowrap;
  }

  .floating-badge {
    position: relative;
    top: auto;
    left: auto;
    right: auto;
    bottom: auto;
    margin-top: 0.85rem;
    animation: none;
  }

  .floating-badge-1, .floating-badge-2 {
    margin-bottom: 0.75rem;
  }

  .cta-banner {
    padding: 2.5rem 1.25rem;
  }

  .cta-content h2 {
    font-size: 1.8rem;
  }

  .cta-buttons {
    flex-direction: column;
    width: 100%;
  }

  .cta-buttons .btn {
    width: 100%;
  }

  .modal-container {
    max-height: 92vh;
    display: flex;
    flex-direction: column;
    margin: 0 0.5rem;
  }

  .modal-body {
    overflow-y: auto;
    padding: 1.25rem 1rem;
  }
}

/* Small Mobile Screens (<= 600px) */
@media (max-width: 600px) {
  .nav-actions {
    gap: 0.4rem;
  }

  .nav-actions .open-quote-modal {
    padding: 0.42rem 0.75rem;
    font-size: 0.785rem;
    white-space: nowrap;
  }

  .mobile-toggle {
    width: 36px;
    height: 36px;
    padding: 0.35rem;
  }

  .container {
    padding: 0 1rem;
  }

  .hero-title {
    font-size: 1.8rem;
  }

  .hero-actions {
    flex-direction: column;
    width: 100%;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .logo-title {
    font-size: 1.25rem;
  }

  .logo-mark {
    width: 38px;
    height: 38px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 0.75rem;
  }
}

/* ==========================================================================
   PRE-FOOTER INSURER & PARTNER LOGO SECTION (FIXED & RESPONSIVE)
   ========================================================================== */
.pre-footer-marquee,
.pre-footer-partners {
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 3rem 0;
  position: relative;
}

.marquee-header,
.partners-header {
  text-align: center;
  margin-bottom: 2rem;
}

.marquee-title,
.partners-title {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 800;
  color: var(--navy-dark);
}

.marquee-wrapper,
.partners-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  width: 100%;
}

.marquee-track {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  width: 100%;
  animation: none;
}

.partner-card {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.75rem;
  background-color: #FFFFFF;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: 0 4px 18px rgba(10, 37, 64, 0.08);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy-dark);
  white-space: nowrap;
  transition: var(--transition);
  cursor: pointer;
  height: 85px;
  min-width: 180px;
  flex-shrink: 0;
}

.partner-card-img {
  max-height: 54px;
  max-width: 155px;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
}

.partner-card:hover {
  border-color: var(--blue-primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-blue);
}

@media (max-width: 768px) {
  .marquee-wrapper,
  .partners-grid,
  .marquee-track {
    gap: 1rem;
  }

  .partner-card {
    height: 72px;
    min-width: 140px;
    padding: 0.6rem 1.25rem;
  }

  .partner-card-img {
    max-height: 42px;
    max-width: 115px;
  }
}

@media (max-width: 540px) {
  .marquee-wrapper,
  .partners-grid,
  .marquee-track {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.85rem;
  }

  .partner-card {
    width: 100%;
    min-width: 0;
    height: 72px;
    padding: 0.5rem;
  }
}

.partner-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: var(--blue-primary);
  flex-shrink: 0;
}

.partner-card.bupa .partner-dot { background-color: #0079C1; }
.partner-card.axa .partner-dot { background-color: #000080; }
.partner-card.aviva .partner-dot { background-color: #FFD200; }
.partner-card.vitality .partner-dot { background-color: #E30613; }
.partner-card.wpa .partner-dot { background-color: #005696; }
.partner-card.freedom .partner-dot { background-color: #00A3E0; }
.partner-card.spire .partner-dot { background-color: #6C2C84; }
.partner-card.nuffield .partner-dot { background-color: #008752; }

/* ==========================================================================
   PAGE HERO BANNERS (MULTI-PAGE SYSTEM)
   ========================================================================== */
.page-hero {
  padding-top: 6.25rem;
  padding-bottom: 1.75rem;
  background: radial-gradient(circle at 90% 10%, rgba(224, 242, 254, 0.7) 0%, rgba(255, 255, 255, 0) 50%),
              radial-gradient(circle at 10% 90%, rgba(240, 247, 255, 0.85) 0%, rgba(255, 255, 255, 0) 60%);
  text-align: center;
  border-bottom: 1px solid var(--border-subtle);
}

.page-hero-content {
  max-width: 820px;
  margin: 0 auto;
}

.page-hero-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--navy-dark);
  margin-bottom: 0.75rem;
}

.page-hero-title span {
  color: var(--blue-primary);
}

.page-hero-subtitle {
  font-size: 1.05rem;
  color: var(--text-body);
  line-height: 1.6;
  max-width: 720px;
  margin: 0 auto;
}

.page-hero + .section {
  padding-top: 2rem;
  padding-bottom: 3.5rem;
}

/* ==========================================================================
   JARGON BUSTERS & CONTENT CARDS
   ========================================================================== */
.jargon-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}

.jargon-card {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.jargon-card:hover {
  border-color: var(--blue-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.jargon-badge {
  display: inline-block;
  padding: 0.3rem 0.85rem;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.8rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}

.jargon-title {
  font-size: 1.35rem;
  color: var(--navy-dark);
  margin-bottom: 0.75rem;
}

.jargon-desc {
  font-size: 0.98rem;
  color: var(--text-body);
  line-height: 1.65;
}

/* ==========================================================================
   CONTACT PAGE & FORM CARDS
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: start;
}

.contact-info-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-light);
  padding: 3rem;
  box-shadow: var(--shadow-md);
}

.contact-form-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-light);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  margin-bottom: 2rem;
}

.contact-detail-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background-color: var(--blue-light);
  color: var(--blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail-title {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy-dark);
  margin-bottom: 0.25rem;
}

.contact-detail-text {
  font-size: 0.98rem;
  color: var(--text-body);
  line-height: 1.6;
}

/* ==========================================================================
   UTILITY CLASSES (ZERO INLINE CSS REQUIREMENT)
   ========================================================================== */
.w-full { width: 100%; }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mx-auto { margin-left: auto; margin-right: auto; }
.max-w-480 { max-width: 480px; }

.modal-success-box {
  text-align: center;
  padding: 2rem 1rem;
}

.modal-success-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background-color: var(--accent-green-bg);
  color: var(--accent-green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem auto;
}

.modal-success-title {
  color: var(--navy-dark);
  margin-bottom: 0.5rem;
}

.modal-success-desc {
  color: var(--text-body);
  max-width: 480px;
  margin: 0 auto 1.5rem auto;
}

@media (max-width: 992px) {
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .page-hero-title {
    font-size: 2.35rem;
  }
}

@media (max-width: 576px) {
  .contact-info-card, .contact-form-card {
    padding: 1.5rem 1.15rem;
  }
}

/* ==========================================================================
   GOOGLE reCAPTCHA V2 STYLING & RESPONSIVENESS
   ========================================================================== */
.g-recaptcha {
  display: flex;
  justify-content: center;
  margin: 0.75rem 0;
}

@media (max-width: 480px) {
  .g-recaptcha {
    transform: scale(0.85);
    transform-origin: 0 0;
  }
}