/* ============================
   FINSURE CAPITAL – STYLE.CSS
   Dark Blue #0A2540 | Gold #D4AF37
   Font: Sora (display) + Inter (body)
============================ */

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

:root {
  --navy:    #0A2540;
  --navy-mid:#0F3460;
  --navy-lt: #163A5F;
  --gold:    #D4AF37;
  --gold-lt: #F0D060;
  --white:   #FFFFFF;
  --off-white:#F8FAFC;
  --text:    #1A2B3C;
  --muted:   #64748B;
  --glass-bg:rgba(255,255,255,0.07);
  --glass-border:rgba(255,255,255,0.13);
  --radius:  16px;
  --radius-sm:10px;
  --shadow:  0 8px 32px rgba(10,37,64,0.18);
  --shadow-lg:0 20px 60px rgba(10,37,64,0.22);
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

h1,h2,h3,h4,h5 { font-family: 'Sora', sans-serif; line-height: 1.2; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

/* ---------- UTILITIES ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.mt-60 { margin-top: 60px; }
.mt-20 { margin-top: 20px; }
.w-full { width: 100%; }
.gold { color: var(--gold); }
.gold-text { color: var(--gold); }
.gradient-text {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 50%, var(--gold) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.glass {
  background: var(--glass-bg);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(212,175,55,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(212,175,55,0.5);
}
.btn-outline {
  border: 2px solid rgba(255,255,255,0.4);
  color: var(--white);
  background: transparent;
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(212,175,55,0.08);
}
.arrow { transition: transform var(--transition); }
.btn:hover .arrow { transform: translateX(4px); }

/* ---------- SECTION HEADERS ---------- */
.section-header { text-align: center; margin-bottom: 52px; }
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(212,175,55,0.1);
  border: 1px solid rgba(212,175,55,0.25);
  border-radius: 50px;
  padding: 5px 14px;
  margin-bottom: 16px;
}
.section-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--navy);
  margin-bottom: 14px;
}
.section-sub { color: var(--muted); max-width: 560px; margin: 0 auto; }

/* ---------- NAVBAR ---------- */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: all var(--transition);
}
.navbar.scrolled {
  background: rgba(10,37,64,0.96);
  backdrop-filter: blur(16px);
  padding: 10px 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--white);
}
.logo-icon {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--gold), var(--gold-lt));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--navy);
  font-weight: 800;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-lt)) !important;
  color: var(--navy) !important;
  padding: 9px 22px;
  border-radius: 50px;
  font-weight: 700 !important;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ---------- HERO ---------- */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #1A4A7A 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 120px 0 80px;
}
.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(212,175,55,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(212,175,55,0.04) 1px, transparent 1px);
  background-size: 50px 50px;
  pointer-events: none;
}
.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -20%;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(212,175,55,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  margin-bottom: 20px;
}
.dot {
  width: 8px; height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform: scale(1); }
  50% { opacity:0.5; transform: scale(1.4); }
}
.hero-headline {
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}
.hero-sub {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
  margin-bottom: 36px;
  max-width: 480px;
  line-height: 1.7;
}
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 32px; }
.hero-trust-row { display: flex; gap: 12px; flex-wrap: wrap; }
.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 50px;
  padding: 6px 14px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.75);
}

/* hero visual */
.hero-visual {
  position: relative;
  height: 420px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.dashboard-card {
  width: 320px;
  padding: 24px;
  position: relative;
  z-index: 2;
  animation: floatUp 4s ease-in-out infinite;
}
@keyframes floatUp {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
.dash-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.dash-dot { width: 10px; height: 10px; border-radius: 50%; }
.dash-dot.green { background: #22C55E; box-shadow: 0 0 8px #22C55E; }
.dash-label { font-size: 0.8rem; color: rgba(255,255,255,0.7); flex: 1; }
.dash-amount { font-family: 'Sora', sans-serif; font-weight: 700; color: var(--gold); font-size: 1rem; }
.dash-bar-row { margin-bottom: 20px; }
.dash-bar-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-bottom: 6px; }
.dash-bar-track { background: rgba(255,255,255,0.1); border-radius: 50px; height: 6px; margin-bottom: 4px; overflow: hidden; }
.dash-bar-fill { background: linear-gradient(90deg, var(--gold), var(--gold-lt)); height: 100%; border-radius: 50px; transition: width 1s ease; }
.dash-bar-pct { font-size: 0.75rem; color: var(--gold); text-align: right; }
.dash-stats { display: flex; gap: 12px; }
.dash-stat { flex: 1; text-align: center; }
.ds-val { font-family: 'Sora', sans-serif; font-weight: 700; font-size: 0.95rem; color: var(--white); }
.ds-key { font-size: 0.7rem; color: rgba(255,255,255,0.55); margin-top: 2px; }

.float-card {
  position: absolute;
  padding: 12px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  z-index: 3;
  min-width: 160px;
}
.card-1 { top: 20px; right: 0; animation: floatR 3.5s ease-in-out infinite; }
.card-2 { bottom: 40px; right: 10px; animation: floatR 4.5s ease-in-out infinite 0.5s; }
@keyframes floatR {
  0%,100% { transform: translateY(0) rotate(1deg); }
  50% { transform: translateY(-8px) rotate(-1deg); }
}
.fc-icon { font-size: 1.4rem; }
.fc-title { font-size: 0.7rem; color: rgba(255,255,255,0.6); }
.fc-val { font-family: 'Sora', sans-serif; font-weight: 700; font-size: 0.95rem; color: var(--white); }

.credit-card-visual {
  position: absolute;
  left: -30px;
  bottom: 30px;
  width: 160px;
  height: 96px;
}
.cc-card {
  position: absolute;
  width: 150px;
  height: 90px;
  border-radius: 12px;
  padding: 10px;
}
.cc-back {
  background: linear-gradient(135deg, rgba(212,175,55,0.3), rgba(10,37,64,0.8));
  transform: rotate(-8deg) translate(-10px, 10px);
}
.cc-front {
  background: linear-gradient(135deg, var(--navy-mid), var(--navy));
  border: 1px solid rgba(212,175,55,0.3);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  animation: floatUp 5s ease-in-out infinite 1s;
}
.cc-chip {
  width: 24px; height: 18px;
  background: linear-gradient(135deg, var(--gold), var(--gold-lt));
  border-radius: 4px;
}
.cc-number { font-size: 0.5rem; color: rgba(255,255,255,0.6); letter-spacing: 0.1em; }
.cc-row { display: flex; align-items: center; justify-content: space-between; }
.cc-name { font-size: 0.45rem; font-weight: 700; color: var(--gold); letter-spacing: 0.08em; }
.cc-logo { font-size: 0.8rem; color: var(--gold); font-weight: 800; }

.hero-scroll-hint {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.4);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
}
.scroll-line {
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, rgba(255,255,255,0.3), transparent);
  animation: scrollLine 1.8s ease-in-out infinite;
}
@keyframes scrollLine {
  0% { transform: scaleY(0); transform-origin: top; }
  50% { transform: scaleY(1); transform-origin: top; }
  51% { transform-origin: bottom; }
  100% { transform: scaleY(0); transform-origin: bottom; }
}

/* ---------- STATS STRIP ---------- */
.stats-strip {
  background: var(--navy);
  padding: 48px 0;
}
.stats-inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 24px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-num {
  font-family: 'Sora', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-lbl { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.stat-divider { width: 1px; height: 50px; background: rgba(255,255,255,0.1); }

/* ---------- SERVICES ---------- */
.services { background: var(--off-white); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.svc-card {
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.08);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
  box-shadow: 0 2px 16px rgba(10,37,64,0.06);
  position: relative;
  overflow: hidden;
}
.svc-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  transform: scaleX(0);
  transition: transform var(--transition);
}
.svc-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.svc-card:hover::before { transform: scaleX(1); }
.svc-icon-wrap {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: color-mix(in srgb, var(--clr) 12%, white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--clr);
}
.svc-icon-wrap svg { width: 24px; height: 24px; }
.svc-card h3 { font-size: 1.1rem; color: var(--navy); margin-bottom: 14px; }
.svc-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.svc-features li { font-size: 0.85rem; color: var(--muted); }
.svc-link { font-size: 0.85rem; font-weight: 600; color: var(--navy); transition: color var(--transition); }
.svc-link:hover { color: var(--gold); }

/* Insurance */
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.ins-card {
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.08);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  transition: all var(--transition);
  box-shadow: 0 2px 12px rgba(10,37,64,0.05);
}
.ins-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.ins-icon { font-size: 2.4rem; display: block; margin-bottom: 14px; }
.ins-card h4 { font-size: 1rem; color: var(--navy); margin-bottom: 8px; }
.ins-card p { font-size: 0.83rem; color: var(--muted); }

/* ---------- WHY US ---------- */
.why-us { background: var(--navy); }
.why-us .section-title { color: var(--white); }
.why-us .section-sub { color: rgba(255,255,255,0.55); }
.why-us .eyebrow { color: var(--gold); background: rgba(212,175,55,0.12); border-color: rgba(212,175,55,0.3); }
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.feat-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
}
.feat-card:hover {
  background: rgba(212,175,55,0.07);
  border-color: rgba(212,175,55,0.25);
  transform: translateY(-4px);
}
.feat-icon { font-size: 2rem; margin-bottom: 14px; }
.feat-card h4 { color: var(--white); font-size: 1rem; margin-bottom: 8px; }
.feat-card p { color: rgba(255,255,255,0.55); font-size: 0.85rem; }

/* ---------- CALCULATOR ---------- */
.calculator { background: var(--off-white); }
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.1);
  box-shadow: var(--shadow);
  padding: 44px;
  border-radius: var(--radius);
}
.calc-field { margin-bottom: 32px; }
.calc-field:last-child { margin-bottom: 0; }
.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.calc-label-row label { font-size: 0.9rem; font-weight: 600; color: var(--navy); }
.calc-val { font-weight: 700; color: var(--gold); font-size: 1rem; font-family: 'Sora', sans-serif; }
.slider {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 50px;
  background: linear-gradient(90deg, var(--gold) var(--val, 50%), #E2E8F0 var(--val, 50%));
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--gold);
  box-shadow: 0 2px 8px rgba(10,37,64,0.3);
  cursor: pointer;
  transition: transform var(--transition);
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.slider-range { display: flex; justify-content: space-between; font-size: 0.72rem; color: var(--muted); margin-top: 6px; }

.calc-results {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.result-card {
  background: var(--off-white);
  border: 1px solid rgba(10,37,64,0.08);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.result-label { font-size: 0.85rem; color: var(--muted); }
.result-val { font-family: 'Sora', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.calc-donut-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
#emiDonut { max-width: 140px; }
.donut-legend {
  display: flex;
  gap: 16px;
  font-size: 0.78rem;
  color: var(--muted);
  align-items: center;
}
.dl-dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 4px; }

/* ---------- PARTNERS ---------- */
.partners { background: var(--white); overflow: hidden; }
.partner-track-wrap {
  overflow: hidden;
  position: relative;
}
.partner-track-wrap::before,
.partner-track-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
}
.partner-track-wrap::before { left: 0; background: linear-gradient(90deg, var(--white), transparent); }
.partner-track-wrap::after { right: 0; background: linear-gradient(-90deg, var(--white), transparent); }
.partner-track {
  display: flex;
  gap: 20px;
  animation: scroll-partners 20s linear infinite;
  width: max-content;
}
@keyframes scroll-partners {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.partner-track:hover { animation-play-state: paused; }
.partner-logo {
  min-width: 160px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--navy);
  background: var(--off-white);
  border: 1px solid rgba(10,37,64,0.1);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.partner-logo:hover {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--navy);
}

/* ---------- TESTIMONIALS ---------- */
.testimonials { background: var(--off-white); }
.testi-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}
.testi-card {
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.08);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: 0 2px 16px rgba(10,37,64,0.06);
  transition: all var(--transition);
}
.testi-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.testi-card.featured {
  background: var(--navy);
  border-color: rgba(212,175,55,0.3);
}
.testi-card.featured p,
.testi-card.featured .author-role { color: rgba(255,255,255,0.7); }
.testi-card.featured .author-name { color: var(--white); }
.stars { font-size: 1rem; margin-bottom: 16px; }
.testi-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.7; margin-bottom: 24px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--white);
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-role { font-size: 0.78rem; color: var(--muted); margin-top: 2px; }

/* ---------- CONTACT FORM ---------- */
.contact { background: var(--white); }
.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: center;
}
.contact-left .section-title { text-align: left; }
.contact-left .eyebrow { display: inline-block; margin-bottom: 16px; }
.contact-left p { color: var(--muted); margin-bottom: 28px; }
.contact-points { display: flex; flex-direction: column; gap: 12px; }
.cp-item { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: var(--text); }
.contact-form-wrap {
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.1);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow);
}
.contact-form-wrap h3 { font-size: 1.3rem; color: var(--navy); margin-bottom: 28px; }
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--navy); }
.form-group input,
.form-group select {
  padding: 12px 14px;
  border: 1.5px solid rgba(10,37,64,0.12);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  color: var(--text);
  background: var(--off-white);
  outline: none;
  transition: border-color var(--transition);
}
.form-group input:focus,
.form-group select:focus { border-color: var(--gold); background: var(--white); }
.form-note { font-size: 0.78rem; color: var(--muted); text-align: center; margin-top: 12px; }
.form-success {
  background: rgba(34,197,94,0.1);
  border: 1px solid rgba(34,197,94,0.3);
  border-radius: var(--radius-sm);
  padding: 14px;
  text-align: center;
  color: #166534;
  font-size: 0.9rem;
  margin-top: 16px;
}

/* ---------- TRUST SECTION ---------- */
.trust-section { background: var(--navy); padding: 60px 0; }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.trust-item {
  text-align: center;
  padding: 28px 20px;
  background: rgba(255,255,255,0.05);
  border-color: rgba(255,255,255,0.09);
  transition: all var(--transition);
}
.trust-item:hover { background: rgba(212,175,55,0.08); border-color: rgba(212,175,55,0.3); }
.trust-badge { font-size: 2rem; display: block; margin-bottom: 12px; }
.trust-item h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 6px; }
.trust-item p { color: rgba(255,255,255,0.5); font-size: 0.8rem; }

/* ---------- FAQ ---------- */
.faq { background: var(--off-white); }
.faq-list { max-width: 740px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: var(--white);
  border: 1px solid rgba(10,37,64,0.1);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  background: none;
  transition: background var(--transition);
}
.faq-q:hover { background: rgba(10,37,64,0.02); }
.faq-q.active { color: var(--gold); }
.faq-arrow {
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--navy);
  transition: transform var(--transition);
  flex-shrink: 0;
}
.faq-q.active .faq-arrow { transform: rotate(45deg); color: var(--gold); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.7;
  padding: 0 22px;
  transition: max-height 0.4s ease, padding 0.4s ease;
}
.faq-a.open { max-height: 200px; padding: 0 22px 18px; }

/* ---------- FOOTER ---------- */
.footer { background: var(--navy); padding-top: 64px; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-desc { color: rgba(255,255,255,0.5); font-size: 0.85rem; margin: 14px 0 24px; line-height: 1.7; }
.social-links { display: flex; gap: 10px; }
.social-btn {
  width: 36px; height: 36px;
  border-radius: 10px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}
.social-btn:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.footer-col h5 { font-size: 0.88rem; font-weight: 700; color: var(--gold); margin-bottom: 18px; letter-spacing: 0.05em; text-transform: uppercase; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.5); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }
.contact-list li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.84rem; color: rgba(255,255,255,0.5); }
.contact-list li a { color: rgba(255,255,255,0.5); transition: color var(--transition); }
.contact-list li a:hover { color: var(--gold); }
.footer-bottom { padding: 18px 0; }
.footer-bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.3); text-align: center; }

/* ---------- STICKY CTA BAR ---------- */
.sticky-cta-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: rgba(10,37,64,0.97);
  backdrop-filter: blur(12px);
  padding: 12px 20px;
  display: none;
  gap: 12px;
  z-index: 900;
  border-top: 1px solid rgba(212,175,55,0.2);
}
.sticky-cta-bar .btn { flex: 1; justify-content: center; }

/* ---------- WHATSAPP FAB ---------- */
.whatsapp-fab {
  position: fixed;
  bottom: 80px; right: 24px;
  width: 56px; height: 56px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  z-index: 950;
  transition: all var(--transition);
}
.whatsapp-fab svg { width: 28px; height: 28px; }
.whatsapp-fab:hover { transform: scale(1.1); box-shadow: 0 6px 28px rgba(37,211,102,0.55); }

/* ---------- BACK TO TOP ---------- */
.back-to-top {
  position: fixed;
  bottom: 80px; right: 92px;
  width: 44px; height: 44px;
  background: var(--navy);
  border: 1px solid rgba(212,175,55,0.3);
  border-radius: 50%;
  color: var(--gold);
  font-size: 1.1rem;
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 900;
  transition: all var(--transition);
}
.back-to-top.visible { display: flex; }
.back-to-top:hover { background: var(--gold); color: var(--navy); }

/* ---------- SCROLL ANIMATIONS ---------- */
[data-animate] { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
[data-animate="fade-left"] { transform: translateX(-30px); }
[data-animate="fade-right"] { transform: translateX(30px); }
[data-animate].visible { opacity: 1; transform: none; }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .hero-inner { gap: 40px; }
  .calc-wrapper { gap: 28px; padding: 32px; }
}
@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .hero { padding: 100px 0 60px; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-headline { font-size: 2rem; }
  .nav-links { display: none; position: fixed; top: 70px; left: 0; right: 0; background: var(--navy); flex-direction: column; padding: 24px; gap: 18px; border-top: 1px solid rgba(255,255,255,0.08); }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .calc-wrapper { grid-template-columns: 1fr; padding: 28px 20px; }
  .contact-wrapper { grid-template-columns: 1fr; gap: 36px; }
  .contact-left { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .stat-divider { display: none; }
  .stats-inner { gap: 28px; }
  .sticky-cta-bar { display: flex; }
  .whatsapp-fab { bottom: 90px; }
  .back-to-top { bottom: 90px; right: 24px; }
  body { padding-bottom: 60px; }
  .testi-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-headline { font-size: 1.7rem; }
  .btn { padding: 12px 20px; font-size: 0.88rem; }
  .services-grid { grid-template-columns: 1fr; }
  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------- REDUCED MOTION ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}