/* ══════════════════════════════════════════════
   DESIGN TOKENS
   ══════════════════════════════════════════════ */
:root {
  --primary:     #12265E;
  --primary-dk:  #0C1A42;
  --primary-lt:  #1E3A7A;
  --accent:      #DB234A;
  --accent-dk:   #B91D3E;
  --accent-lt:   #F5C6D0;
  --warm-bg:     #EBE5D9;
  --cool-bg:     #D8DFEC;
  --white:       #FFFFFF;
  --text-dark:   #111827;
  --text-body:   #1F2937;
  --text-muted:  #3F4F5F;
  --whatsapp:    #25D366;
  --border:      #D1D5DB;
  --border-lt:   #E5E7EB;
  --success:     #27AE60;
  /* ── Vibrant Section Colours ── */
  --ocean:       #CFDDF0;
  --ocean-dk:    #12265E;
  --sage:        #CDE6D4;
  --sage-dk:     #27AE60;
  --coral:       #FAD2C8;
  --coral-dk:    #E67E5A;
  --lavender:    #D8D0E8;
  --lavender-dk: #8E71C7;
  --sunshine:    #FEEBBA;
  --sunshine-dk: #C49A12;
  --mint:        #C5EBE1;
  --mint-dk:     #1ABC9C;
  --blush:       #F4D1DA;
  --blush-dk:    #C94D6A;
  --radius-sm:   8px;
  --radius-md:   14px;
  --radius-lg:   20px;
  --radius-xl:   28px;
  --shadow-xs:   0 1px 3px rgba(0,0,0,0.04);
  --shadow-sm:   0 2px 8px rgba(0,0,0,0.06);
  --shadow-md:   0 8px 24px rgba(18,38,94,0.10);
  --shadow-lg:   0 16px 48px rgba(18,38,94,0.14);
  --shadow-xl:   0 24px 64px rgba(18,38,94,0.18);
  --font-display:'Hind', -apple-system, sans-serif;
  --font-body:   'Hind', -apple-system, sans-serif;
  --font-accent: 'Noto Serif', Georgia, serif;
}

/* ── Reset ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 86px; }
body { font-family: var(--font-body); color: var(--text-dark); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: inherit; }

.skip-link {
  position: absolute; top: -100%; left: 16px;
  background: var(--primary); color: var(--white); padding: 10px 20px;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  font-weight: 600; font-size: 14px; z-index: 10000; transition: top 0.2s;
}
.skip-link:focus { top: 0; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 900px; margin: 0 auto; padding: 0 24px; }

/* ══════════════════════════════════════════════
   HEADER / NAV
   ══════════════════════════════════════════════ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.97); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border); height: 70px;
  box-shadow: 0 1px 12px rgba(0,0,0,0.05);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 100%; }
.nav-logo { display: flex; align-items: center; gap: 12px; }
.nav-logo-icon {
  width: 42px; height: 42px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.nav-logo-icon svg { width: 22px; height: 22px; }
.nav-logo-icon img { width: 42px; height: 42px; object-fit: contain; }
.nav-logo-text { line-height: 1.15; }
.nav-logo-text strong { display: block; font-family: var(--font-display); font-size: 15px; color: var(--primary); }
.nav-logo-text span { font-size: 10.5px; color: var(--text-muted); letter-spacing: 0.3px; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
  font-size: 13.5px; font-weight: 500; color: var(--text-dark); padding: 8px 13px;
  border-radius: var(--radius-sm); transition: all .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--primary); background: rgba(18,38,94,0.06); border-bottom: 2px solid var(--primary); }
.nav-cta {
  background: var(--primary) !important; color: var(--white) !important;
  padding: 9px 20px !important; border-radius: 50px !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--primary-dk) !important; color: var(--white) !important; }

/* Hamburger */
.hamburger {
  display: none; background: none; border: none; cursor: pointer;
  width: 36px; height: 36px; position: relative; flex-shrink: 0;
}
.hamburger span {
  display: block; width: 22px; height: 2px; background: var(--text-dark);
  position: absolute; left: 7px; transition: all 0.3s; border-radius: 2px;
}
.hamburger span:nth-child(1) { top: 10px; }
.hamburger span:nth-child(2) { top: 17px; }
.hamburger span:nth-child(3) { top: 24px; }
.hamburger.open span:nth-child(1) { transform: rotate(45deg); top: 17px; }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg); top: 17px; }
.mobile-nav {
  display: none; position: fixed; top: 70px; left: 0; right: 0; bottom: 0;
  background: var(--white); z-index: 999; padding: 20px 24px;
  flex-direction: column; gap: 2px; overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  display: block; padding: 14px 16px; font-size: 16px; font-weight: 500;
  color: var(--text-dark); border-radius: var(--radius-sm); transition: background .2s;
}
.mobile-nav a:hover { background: rgba(18,38,94,0.05); }
.mobile-nav .nav-cta-mobile {
  margin-top: 16px; text-align: center; background: var(--primary);
  color: var(--white); font-weight: 700; border-radius: 50px; padding: 14px;
}

/* ══════════════════════════════════════════════
   HERO
   ══════════════════════════════════════════════ */
.hero {
  margin-top: 70px; padding: 0;
  position: relative; overflow: hidden;
  min-height: 80vh;
  display: flex;
  align-items: center;
}
.hero-bg {
  position: absolute; inset: -5%;
  background: url('https://7lscgh819c.koniglecdn.com/images/singapore-sunset-panorama.webp') center/cover no-repeat;
  animation: slowZoom 25s ease-in-out infinite alternate;
  z-index: 0;
}
@keyframes slowZoom {
  0% { transform: scale(1); }
  100% { transform: scale(1.08); }
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(12, 26, 66, 0.95) 0%, rgba(18, 38, 94, 0.8) 50%, rgba(18, 38, 94, 0.6) 100%);
  z-index: 1;
}
.hero-inner {
  position: relative; z-index: 2;
  max-width: 720px;
  padding: 100px 0;
}
.hero-content { position: relative; z-index: 2; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9); padding: 7px 16px; border-radius: 50px;
  font-size: 12.5px; font-weight: 600; margin-bottom: 24px; letter-spacing: 0.3px;
}
.hero h1 {
  font-family: var(--font-display); font-size: 48px; font-weight: 700;
  color: var(--white); line-height: 1.15; margin-bottom: 20px;
}
.hero h1 .highlight { color: var(--white); }
.hero p { font-size: 16px; color: rgba(255,255,255,0.85); line-height: 1.75; margin-bottom: 32px; max-width: 580px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* Noto Serif Italic Accent — per brand guide */
.accent-serif {
  font-family: var(--font-accent);
  font-style: italic;
  font-weight: 400;
}
.hero h1 .accent-serif { color: var(--accent); }

/* Buttons */
.btn-primary {
  background: var(--accent); color: var(--white); padding: 14px 28px;
  border-radius: 50px; font-weight: 700; font-size: 14.5px;
  transition: all .2s; display: inline-flex; align-items: center; gap: 8px;
  border: none; cursor: pointer;
}
.btn-primary:hover { background: #A11835; color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline {
  border: 2px solid rgba(255,255,255,0.35); color: var(--white); padding: 13px 28px;
  border-radius: 50px; font-weight: 600; font-size: 14.5px;
  transition: all .2s; display: inline-flex; align-items: center; gap: 8px;
}
.btn-outline:hover { border-color: var(--success); color: var(--success); }
.btn-sm {
  padding: 10px 20px; font-size: 13px; font-weight: 600; border-radius: 50px;
  display: inline-flex; align-items: center; gap: 6px; transition: all .2s; cursor: pointer; border: none;
}
.btn-accent { background: var(--primary); color: var(--white); }
.btn-accent:hover { background: var(--accent-dk); color: var(--white); }
.btn-ghost { border: 1.5px solid var(--border); color: var(--text-dark); background: transparent; }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-white { background: var(--white); color: var(--primary); }
.btn-white:hover { background: var(--warm-bg); }

/* ── Trust Bar ── */
.trust-bar { background: var(--primary-dk); padding: 22px 24px; }
.trust-bar .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; text-align: center; }
.trust-item { color: var(--white); }
.trust-item strong { display: block; font-size: 26px; color: var(--white); font-family: var(--font-display); }
.trust-item span { font-size: 12.5px; opacity: 0.85; color: var(--white); }

/* ══════════════════════════════════════════════
   SECTION HELPERS
   ══════════════════════════════════════════════ */
section { padding: 80px 24px; }
.section-label {
  font-size: 11.5px; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase;
  color: var(--primary); margin-bottom: 10px;
}
.accent-serif { font-family: var(--font-accent); font-style: italic; font-weight: 400; color: var(--primary); }
.section-title {
  font-family: var(--font-display); font-size: 36px; color: var(--primary);
  font-weight: 700; line-height: 1.22; margin-bottom: 14px;
}
.section-sub { font-size: 15.5px; color: var(--text-body); max-width: 540px; line-height: 1.7; }
.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-header.center .section-sub { margin: 0 auto; }
.bg-warm { background: var(--warm-bg); }
.bg-cool { background: var(--cool-bg); }
.bg-white { background: var(--white); }
.bg-dark { background: var(--primary-dk); }

/* ══════════════════════════════════════════════
   ABOUT US
   ══════════════════════════════════════════════ */
.about-section { background: var(--sage); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.about-illustration svg { width: 100%; max-width: 440px; height: auto; }
.about-text .section-label { margin-bottom: 8px; }
.about-text .accent-serif { font-family: var(--font-accent); font-style: italic; font-weight: 400; color: var(--primary); }
.section-title { margin-bottom: 18px; }
.about-text p { font-size: 15px; color: var(--text-body); line-height: 1.8; margin-bottom: 16px; }

.timeline { margin: 28px 0; display: flex; flex-direction: column; gap: 0; }
.timeline-item {
  display: flex; gap: 16px; position: relative; padding-bottom: 24px;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-dot-col { display: flex; flex-direction: column; align-items: center; width: 20px; flex-shrink: 0; }
.timeline-dot {
  width: 14px; height: 14px; border-radius: 50%; border: 3px solid var(--primary);
  background: var(--white); flex-shrink: 0; position: relative; z-index: 1;
}
.timeline-line { width: 2px; flex: 1; background: var(--border); margin-top: 4px; }
.timeline-item:last-child .timeline-line { display: none; }
.timeline-year { font-size: 13px; font-weight: 700; color: var(--primary); min-width: 44px; padding-top: 0; }
.timeline-desc { font-size: 14px; color: var(--text-body); line-height: 1.6; padding-top: 0; }

/* Team */
.team-section { background: var(--ocean); }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.team-card {
  background: var(--white); border-radius: var(--radius-lg); overflow: hidden;
  border: 1px solid var(--border); text-align: center; transition: all .25s;
}
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.team-photo {
  height: 200px; display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.team-photo svg { width: 100%; height: 100%; }
.team-info { padding: 24px 20px; }
.team-info h3 { font-size: 17px; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.team-info .team-role { font-size: 13px; font-weight: 600; color: var(--primary-lt); margin-bottom: 10px; }
.team-info p { font-size: 13px; color: var(--text-body); line-height: 1.6; }

/* ══════════════════════════════════════════════
   SERVICES GRID
   ══════════════════════════════════════════════ */
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 28px 20px;
  border: 1px solid var(--border); transition: all .25s; cursor: pointer; text-align: center;
  display: block;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary-lt); }
.service-icon {
  width: 54px; height: 54px; border-radius: var(--radius-md);
  background: rgba(18,38,94,0.06); display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; transition: all .25s;
}
.service-icon svg { width: 24px; height: 24px; color: var(--primary); transition: color .25s; }
.service-card:hover .service-icon { background: var(--primary); }
.service-card:hover .service-icon svg { color: var(--white); }
.service-card h3 { font-size: 14.5px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.service-card p { font-size: 13px; color: var(--text-body); line-height: 1.6; }
.card-link { display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; font-size: 13px; font-weight: 700; color: var(--primary); }

/* ══════════════════════════════════════════════
   WHY CHOOSE US
   ══════════════════════════════════════════════ */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card {
  padding: 32px 26px; border-radius: var(--radius-lg); background: var(--white);
  border: 1px solid var(--border); transition: box-shadow .25s;
}
.why-card:hover { box-shadow: var(--shadow-md); }
.why-num { font-family: var(--font-display); font-size: 44px; color: rgba(18,38,94,0.15); font-weight: 700; margin-bottom: 8px; line-height: 1; }
.why-card h3 { font-size: 17px; font-weight: 700; color: var(--primary); margin-bottom: 10px; }
.why-card p { font-size: 14px; color: var(--text-body); line-height: 1.7; }

/* ══════════════════════════════════════════════
   PARTNERS / INSURERS
   ══════════════════════════════════════════════ */
.partners-section { background: var(--lavender); }
.partners-logos {
  display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px;
  margin-bottom: 48px;
}
.partner-logo {
  height: 72px; display: flex; align-items: center; justify-content: center;
  background: var(--white); border: 1px solid var(--border-lt); border-radius: var(--radius-md);
  padding: 12px 16px; transition: all .25s; cursor: pointer; text-decoration: none;
}
.partner-logo:hover { border-color: var(--primary-lt); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.partner-logo span {
  font-weight: 700; font-size: 13px; color: var(--text-body); letter-spacing: 0.5px;
  text-align: center; line-height: 1.2;
}

/* Steadfast */
.steadfast-block {
  background: linear-gradient(135deg, #f8fbfe 0%, #eef4fa 100%);
  border: 1px solid #d6e4f0; border-radius: var(--radius-lg); padding: 40px;
  display: grid; grid-template-columns: auto 1fr; gap: 36px; align-items: center;
}
.steadfast-logo {
  width: 180px; height: 100px; background: var(--white); border-radius: var(--radius-md);
  border: 1px solid #d6e4f0; display: flex; align-items: center; justify-content: center;
  padding: 16px; flex-shrink: 0;
}
.steadfast-logo svg { width: 100%; height: auto; }
.steadfast-text h3 { font-size: 20px; font-weight: 700; color: var(--primary); margin-bottom: 10px; font-family: var(--font-display); }
.steadfast-text p { font-size: 14px; color: var(--text-body); line-height: 1.7; margin-bottom: 14px; }
.steadfast-benefits { display: flex; flex-wrap: wrap; gap: 8px; }
.steadfast-benefits .s-tag {
  font-size: 12px; font-weight: 600; color: var(--primary); background: rgba(18,38,94,0.07);
  padding: 5px 12px; border-radius: 50px;
}

/* ══════════════════════════════════════════════
   PRODUCT DETAILS
   ══════════════════════════════════════════════ */
.products-detail { background: var(--warm-bg); }
.product-block {
  background: var(--white); border-radius: var(--radius-lg); padding: 40px 36px;
  margin-bottom: 24px; border: 1px solid var(--border); transition: box-shadow .25s;
}
.product-block:hover { box-shadow: var(--shadow-sm); }
.product-block:last-child { margin-bottom: 0; }
.product-header { display: flex; align-items: flex-start; gap: 18px; margin-bottom: 24px; }
.product-icon-lg {
  width: 50px; height: 50px; border-radius: var(--radius-md);
  background: rgba(18,38,94,0.06); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.product-icon-lg svg { width: 22px; height: 22px; color: var(--primary); }
.product-header h3 { font-family: var(--font-display); font-size: 22px; color: var(--primary); margin-bottom: 4px; }
.product-header .product-tag {
  display: inline-block; font-size: 10.5px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  color: var(--primary); background: rgba(18,38,94,0.08); padding: 3px 10px; border-radius: 4px; margin-top: 4px;
}
.product-body { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.product-desc { font-size: 14.5px; color: var(--text-body); line-height: 1.75; margin-bottom: 16px; }
.coverage-list li {
  display: flex; align-items: flex-start; gap: 10px; font-size: 13.5px;
  color: var(--text-dark); padding: 5px 0; line-height: 1.55;
}
.coverage-list li::before { content: '✓'; font-weight: 700; color: var(--success); flex-shrink: 0; margin-top: 1px; }
.example-box {
  background: linear-gradient(135deg, rgba(18,38,94,0.03) 0%, rgba(219,35,74,0.03) 100%);
  border: 1px solid var(--border); border-radius: var(--radius-md); padding: 24px;
}
.example-box h4 {
  font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--primary); margin-bottom: 14px; display: flex; align-items: center; gap: 8px;
}
.example-box h4 .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--primary); }
.example-scenario { font-size: 14px; color: var(--text-body); line-height: 1.7; margin-bottom: 14px; }
.example-outcome {
  background: var(--white); border-left: 3px solid var(--primary);
  padding: 12px 16px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 13px; color: var(--text-muted); line-height: 1.65;
}
.example-outcome strong { color: var(--primary); }

/* ══════════════════════════════════════════════
   ARTICLES
   ══════════════════════════════════════════════ */
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card {
  background: var(--white); border-radius: var(--radius-lg); overflow: hidden;
  border: 1px solid var(--border); transition: all .25s;
}
.article-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.article-thumb {
  height: 170px; display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.article-thumb::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Cpath d='M20 20.5V18H0v-2h20v-2l4 3.25-4 3.25zM0 20h2v20H0V20z'/%3E%3C/g%3E%3C/svg%3E");
}
.article-thumb-icon { position: relative; z-index: 1; }
.article-thumb-icon svg { width: 44px; height: 44px; color: rgba(219,35,74,0.45); }
.article-category {
  position: absolute; top: 14px; left: 14px; z-index: 2;
  font-size: 10.5px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  background: var(--primary); color: var(--white); padding: 4px 10px; border-radius: 4px;
}
.article-body { padding: 22px; }
.article-date { font-size: 12px; color: var(--text-muted); margin-bottom: 8px; }
.article-body h3 { font-size: 16px; font-weight: 700; color: var(--primary); line-height: 1.4; margin-bottom: 10px; }
.article-body p { font-size: 13px; color: var(--text-body); line-height: 1.65; margin-bottom: 12px; }
.read-more { font-size: 13px; font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 4px; }

/* ══════════════════════════════════════════════
   QUOTE FORM
   ══════════════════════════════════════════════ */
.quote-section {
  background: linear-gradient(150deg, var(--primary) 0%, var(--primary-dk) 100%);
  position: relative; overflow: hidden;
}
.quote-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 500px 400px at 90% 20%, rgba(219,35,74,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.quote-inner { display: grid; grid-template-columns: 1fr 1.15fr; gap: 56px; align-items: start; position: relative; z-index: 1; }
.quote-info .section-label { color: rgba(255,255,255,0.6); }
.quote-info .accent-serif { font-family: var(--font-accent); font-style: italic; font-weight: 400; color: var(--primary); }
.section-title { color: var(--white); }
.quote-info p { color: rgba(255,255,255,0.7); font-size: 15px; line-height: 1.7; margin-bottom: 28px; }
.quote-features { display: flex; flex-direction: column; gap: 14px; }
.quote-feature {
  display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,0.85); font-size: 14px;
}
.quote-feature-icon {
  width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0;
  background: rgba(219,35,74,0.15); display: flex; align-items: center; justify-content: center;
}
.quote-feature-icon svg { width: 18px; height: 18px; color: rgba(255,255,255,0.8); }

.quote-form-card {
  background: var(--white); border-radius: var(--radius-xl); padding: 36px 32px;
  box-shadow: var(--shadow-xl);
}
.quote-form-card h3 {
  font-family: var(--font-display); font-size: 22px; color: var(--primary);
  margin-bottom: 4px;
}
.quote-form-card .form-subtitle { font-size: 13.5px; color: var(--text-muted); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-group { display: flex; flex-direction: column; gap: 5px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 12.5px; font-weight: 600; color: var(--text-dark); }
.form-group label .required { color: #E74C3C; }
.form-group input, .form-group select, .form-group textarea {
  padding: 11px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 14px; color: var(--text-dark);
  transition: border-color .2s, box-shadow .2s; background: var(--white);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--primary-lt); box-shadow: 0 0 0 3px rgba(18,38,94,0.12);
}
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group select { cursor: pointer; }
.form-consent { display: flex; align-items: flex-start; gap: 10px; margin: 18px 0 20px; }
.form-consent input[type="checkbox"] { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--primary); cursor: pointer; }
.form-consent label { font-size: 12.5px; color: var(--text-muted); line-height: 1.5; cursor: pointer; }
.form-submit {
  width: 100%; padding: 14px; background: var(--primary); color: var(--white);
  border: none; border-radius: 50px; font-size: 15px; font-weight: 700;
  cursor: pointer; transition: all .2s; display: flex; align-items: center; justify-content: center; gap: 8px;
}
.form-submit:hover { background: var(--accent-dk); color: var(--white); }

/* ══════════════════════════════════════════════
   CONTACT / MAP
   ══════════════════════════════════════════════ */
.contact-section { background: var(--cool-bg); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.contact-details h3 { font-family: var(--font-display); font-size: 24px; color: var(--primary); margin-bottom: 20px; }
.contact-item {
  display: flex; align-items: flex-start; gap: 14px; padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.contact-item:last-child { border-bottom: none; }
.contact-icon {
  width: 42px; height: 42px; border-radius: 12px; flex-shrink: 0;
  background: rgba(18,38,94,0.07); display: flex; align-items: center; justify-content: center;
}
.contact-icon svg { width: 20px; height: 20px; color: var(--primary); }
.contact-info strong { display: block; font-size: 14px; color: var(--text-dark); margin-bottom: 2px; }
.contact-info span, .contact-info a { font-size: 14px; color: var(--text-body); }
.contact-info a:hover { color: var(--primary); text-decoration: underline; }
.map-container {
  border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border);
  box-shadow: var(--shadow-md); height: 100%; min-height: 380px;
}
.map-container iframe { width: 100%; height: 100%; min-height: 380px; border: 0; }

/* ══════════════════════════════════════════════
   BUY ONLINE SECTION
   ══════════════════════════════════════════════ */
.buy-online-section { background: var(--ocean); }
.buy-online-header { text-align: center; margin-bottom: 48px; }
.buy-online-label {
  display: inline-flex; align-items: center; gap: 8px; color: var(--mint-dk);
  font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 16px;
}
.buy-online-label svg { width: 16px; height: 16px; }
.buy-online-header h2 { font-family: var(--font-display); font-size: 36px; color: var(--primary); margin-bottom: 16px; font-weight: 700; }
.buy-online-header p { font-size: 16px; color: var(--text-body); max-width: 600px; margin: 0 auto; line-height: 1.6; }
.buy-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-bottom: 40px; }
.buy-card {
  background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border);
  overflow: hidden; display: flex; flex-direction: column; transition: all .25s; box-shadow: var(--shadow-sm);
}
.buy-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary-lt); }
.buy-card-top { padding: 24px 20px 16px; text-align: center; border-bottom: 1px solid var(--border-lt); }
.buy-card-icon {
  width: 56px; height: 56px; border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center;
  font-size: 28px; margin: 0 auto 16px;
}
.buy-card h3 { font-size: 18px; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.buy-card-sub { font-size: 13px; color: var(--text-muted); }
.buy-card-body { padding: 20px; flex: 1; }
.buy-card-features { margin: 0; padding: 0; list-style: none; }
.buy-card-features li { font-size: 13px; color: var(--text-dark); margin-bottom: 10px; padding-left: 20px; position: relative; line-height: 1.5; }
.buy-card-features li::before { content: '✓'; color: var(--success); font-weight: bold; position: absolute; left: 0; top: 0; }
.buy-card-footer { padding: 0 20px 24px; }
.buy-card-btn {
  display: flex; align-items: center; justify-content: center; gap: 8px; width: 100%;
  padding: 12px; border-radius: 50px; font-size: 14px; font-weight: 700; transition: all .2s;
}
.buy-card-btn.primary { background: var(--primary); color: var(--white); }
.buy-card-btn.primary:hover { background: var(--primary-dk); }
.buy-card-btn svg { width: 16px; height: 16px; }
.buy-trust-bar {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 24px; padding: 24px;
  background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border);
}
.buy-trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 600; color: var(--primary); }
.buy-trust-item svg { width: 20px; height: 20px; color: var(--success); }

/* ══════════════════════════════════════════════
   WHATSAPP BANNER
   ══════════════════════════════════════════════ */
.wa-banner {
  background: linear-gradient(135deg, #1a8a4a 0%, #128C7E 100%);
  padding: 48px 24px;
}
.wa-banner .container { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 24px; }
.wa-banner h2 { font-family: var(--font-display); font-size: 26px; color: var(--white); }
.wa-banner p { color: rgba(255,255,255,0.82); font-size: 14.5px; margin-top: 6px; }
.wa-banner .emergency-note { font-size: 12.5px; color: rgba(255,255,255,0.6); margin-top: 4px; }
.wa-btn {
  background: var(--white); color: #1a8a4a; padding: 14px 26px; border-radius: 50px;
  font-weight: 700; font-size: 15px; display: flex; align-items: center; gap: 10px; transition: all .2s;
}
.wa-btn:hover { background: #e8f8ee; transform: scale(1.02); }
.wa-btn svg { width: 22px; height: 22px; }

/* ══════════════════════════════════════════════
   FOOTER
   ══════════════════════════════════════════════ */
.site-footer { background: #0A1C2E; color: rgba(255,255,255,0.6); padding: 60px 24px 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 44px; }
.footer-brand strong { font-family: var(--font-display); font-size: 17px; color: var(--white); display: block; margin-bottom: 12px; }
.footer-brand p { font-size: 13px; line-height: 1.7; }
.mas-badge {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 16px;
  background: rgba(219,35,74,0.08); border: 1px solid rgba(219,35,74,0.2);
  color: var(--primary); padding: 7px 14px; border-radius: 6px; font-size: 12px; font-weight: 600;
}
.footer-col h4 { font-size: 11.5px; font-weight: 700; color: rgba(255,255,255,0.5); letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 9px; transition: color .2s; }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07); padding-top: 20px;
  font-size: 12px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px;
}

/* ── Floating WA ── */
.wa-float {
  position: fixed; bottom: 28px; right: 28px; z-index: 9999;
  width: 56px; height: 56px; border-radius: 50%; background: var(--whatsapp);
  color: var(--white); display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4); animation: wa-pulse 2.5s infinite;
}
.wa-float svg { width: 28px; height: 28px; }
.wa-float-tooltip {
  position: fixed; bottom: 38px; right: 96px; z-index: 9998;
  background: #333; color: var(--white); padding: 7px 14px; border-radius: 8px;
  font-size: 13px; white-space: nowrap; opacity: 0; pointer-events: none; transition: opacity .2s;
}
.wa-float:hover + .wa-float-tooltip { opacity: 1; }
@keyframes wa-pulse {
  0%,100% { box-shadow: 0 4px 20px rgba(37,211,102,0.4); }
  50%     { box-shadow: 0 4px 28px rgba(37,211,102,0.6), 0 0 0 8px rgba(37,211,102,0.1); }
}

/* ══════════════════════════════════════════════
   EXPANDABLE PRODUCT CARDS
   ══════════════════════════════════════════════ */
.products-section { background: var(--sunshine); }
.products-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 0; }
.product-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 24px 18px;
  border: 1px solid var(--border); transition: all .25s; cursor: pointer;
  text-align: center; position: relative;
}
.product-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--primary-lt); }
.product-card.active { border-color: var(--primary); box-shadow: 0 0 0 2px var(--primary); transform: translateY(0); }
.product-card .service-icon { margin: 0 auto 12px; }
.product-card h3 { font-size: 13.5px; font-weight: 700; color: var(--primary); margin-bottom: 6px; }
.product-card p { font-size: 12.5px; color: var(--text-body); line-height: 1.5; }
.product-card .card-arrow {
  display: block; margin-top: 10px; font-size: 12px; font-weight: 700; color: var(--primary);
  transition: transform .2s;
}
.product-card.active .card-arrow { transform: rotate(90deg); }
.product-expand-wrap {
  max-height: 0; overflow: hidden;
  transition: max-height 0.5s cubic-bezier(0.4,0,0.2,1), opacity 0.35s, margin-top 0.35s;
  opacity: 0; margin-top: 0; grid-column: 1 / -1;
}
.product-expand-wrap.open { max-height: 2000px; opacity: 1; margin-top: 20px; }
.product-expand-inner {
  background: var(--white); border-radius: var(--radius-lg); padding: 36px 32px;
  border: 1px solid var(--border); border-top: 3px solid var(--primary);
  box-shadow: var(--shadow-md); position: relative;
}
.product-expand-inner .close-panel {
  position: absolute; top: 14px; right: 14px; width: 30px; height: 30px;
  border-radius: 50%; border: 1px solid var(--border); background: var(--white);
  display: flex; align-items: center; justify-content: center; cursor: pointer;
  font-size: 18px; color: var(--text-muted); transition: all .2s; line-height: 1;
}
.product-expand-inner .close-panel:hover { border-color: var(--primary); color: var(--primary); }

/* ── Buy Online Badge on Products Card ── */
.buy-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--success);
  background: rgba(39, 174, 96, 0.1);
  padding: 4px 8px;
  border-radius: 4px;
  margin-left: 8px;
  vertical-align: middle;
}
.buy-badge svg {
  width: 14px;
  height: 14px;
}

/* ── Scroll Animations ── */
.fade-up { opacity: 0; transform: translateY(20px); transition: opacity 0.55s ease, transform 0.55s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }


/* ══════════════════════════════════════════════
   VIBRANT SECTION ACCENTS
   ══════════════════════════════════════════════ */
.why-section { background: var(--blush); }
.articles-section { background: var(--mint); }

.about-section .section-label { color: var(--sage-dk); }
.about-section .timeline-dot { background: var(--sage-dk); }
.team-section .section-label { color: var(--ocean-dk); }
.team-section .team-role { color: var(--ocean-dk); }
.why-section .section-label { color: var(--blush-dk); }
.partners-section .section-label { color: var(--lavender-dk); }
.partners-section .steadfast-pill { background: rgba(142,113,199,0.10); color: var(--lavender-dk); }
.products-section .section-label { color: var(--sunshine-dk); }
.claims-section .section-label { color: var(--coral-dk); }
.claims-section .claims-step-num { background: rgba(230,126,90,0.12); color: var(--coral-dk); }
.claims-section .claim-tab.active { border-color: var(--coral-dk); color: var(--coral-dk); background: rgba(230,126,90,0.06); }
.articles-section .section-label { color: var(--mint-dk); }
.buy-online-section .section-label { color: var(--mint-dk); }

/* Why cards — vibrant cycle */
.why-card:nth-child(1) { background: var(--ocean); border-left: 3px solid var(--ocean-dk); }
.why-card:nth-child(1) .why-num { color: var(--ocean-dk); }
.why-card:nth-child(2) { background: var(--sage); border-left: 3px solid var(--sage-dk); }
.why-card:nth-child(2) .why-num { color: var(--sage-dk); }
.why-card:nth-child(3) { background: var(--coral); border-left: 3px solid var(--coral-dk); }
.why-card:nth-child(3) .why-num { color: var(--coral-dk); }
.why-card:nth-child(4) { background: var(--lavender); border-left: 3px solid var(--lavender-dk); }
.why-card:nth-child(4) .why-num { color: var(--lavender-dk); }
.why-card:nth-child(5) { background: var(--sunshine); border-left: 3px solid var(--sunshine-dk); }
.why-card:nth-child(5) .why-num { color: var(--sunshine-dk); }
.why-card:nth-child(6) { background: var(--mint); border-left: 3px solid var(--mint-dk); }
.why-card:nth-child(6) .why-num { color: var(--mint-dk); }
.why-card:hover { background: var(--white) !important; }

/* Product card icons — vibrant cycle */
.product-card:nth-child(7n+1) .service-icon { background: var(--ocean); }
.product-card:nth-child(7n+1) .service-icon svg { color: var(--ocean-dk); }
.product-card:nth-child(7n+2) .service-icon { background: var(--sage); }
.product-card:nth-child(7n+2) .service-icon svg { color: var(--sage-dk); }
.product-card:nth-child(7n+3) .service-icon { background: var(--coral); }
.product-card:nth-child(7n+3) .service-icon svg { color: var(--coral-dk); }
.product-card:nth-child(7n+4) .service-icon { background: var(--lavender); }
.product-card:nth-child(7n+4) .service-icon svg { color: var(--lavender-dk); }
.product-card:nth-child(7n+5) .service-icon { background: var(--sunshine); }
.product-card:nth-child(7n+5) .service-icon svg { color: var(--sunshine-dk); }
.product-card:nth-child(7n+6) .service-icon { background: var(--blush); }
.product-card:nth-child(7n+6) .service-icon svg { color: var(--blush-dk); }
.product-card:nth-child(7n+7) .service-icon { background: var(--mint); }
.product-card:nth-child(7n+7) .service-icon svg { color: var(--mint-dk); }

/* Buy Online card icons */
.buy-card-icon.travel { background: var(--ocean); }
.buy-card-icon.home { background: var(--sunshine); }
.buy-card-icon.pa { background: var(--coral); }
.buy-card-icon.maid { background: var(--sage); }

/* ══════════════════════════════════════════════
   AI CHATBOT WIDGET
   ══════════════════════════════════════════════ */
.chatbot-fab {
  position: fixed; bottom: 96px; right: 24px; z-index: 890;
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--primary); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(18,38,94,0.35); cursor: pointer;
  border: none; transition: all 0.3s; font-family: inherit;
}
.chatbot-fab:hover { transform: scale(1.08); background: var(--primary-dk); }
.chatbot-fab svg { width: 26px; height: 26px; }
.chatbot-fab .fab-close { display: none; }
.chatbot-fab.open .fab-open { display: none; }
.chatbot-fab.open .fab-close { display: block; }

.chatbot-panel {
  position: fixed; bottom: 168px; right: 24px; z-index: 891;
  width: 380px; max-height: 520px; background: var(--white);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-xl);
  display: none; flex-direction: column; overflow: hidden;
  border: 1px solid var(--border);
  animation: chatSlideUp 0.3s ease;
}
.chatbot-panel.open { display: flex; }
@keyframes chatSlideUp {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.chatbot-header {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-lt) 100%);
  color: var(--white); padding: 18px 22px;
  display: flex; align-items: center; gap: 12px;
}
.chatbot-header-avatar {
  width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.chatbot-header-avatar svg { width: 20px; height: 20px; }
.chatbot-header-info h4 { font-size: 15px; font-weight: 700; margin: 0; font-family: var(--font-display); }
.chatbot-header-info span { font-size: 11px; opacity: 0.7; }

.chatbot-messages {
  flex: 1; overflow-y: auto; padding: 18px; display: flex;
  flex-direction: column; gap: 14px; min-height: 280px; max-height: 340px;
  background: var(--cool-bg);
}
.chat-msg { display: flex; gap: 10px; max-width: 92%; animation: msgFade 0.3s ease; }
.chat-msg.bot { align-self: flex-start; }
.chat-msg.user { align-self: flex-end; flex-direction: row-reverse; }
@keyframes msgFade {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.chat-avatar {
  width: 30px; height: 30px; border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 14px;
}
.chat-msg.bot .chat-avatar { background: var(--ocean); color: var(--ocean-dk); }
.chat-msg.user .chat-avatar { background: var(--accent-lt); color: var(--accent-dk); }

.chat-bubble {
  padding: 12px 16px; border-radius: 18px; font-size: 13.5px;
  line-height: 1.6; word-break: break-word;
}
.chat-msg.bot .chat-bubble {
  background: var(--white); color: var(--text-body);
  border-bottom-left-radius: 6px; box-shadow: var(--shadow-xs);
}
.chat-msg.user .chat-bubble {
  background: var(--primary); color: var(--white);
  border-bottom-right-radius: 6px;
}
.chat-typing { display: flex; gap: 4px; padding: 4px 0; }
.chat-typing span {
  width: 7px; height: 7px; border-radius: 50%; background: var(--text-muted);
  animation: typingDot 1.4s infinite ease-in-out;
}
.chat-typing span:nth-child(2) { animation-delay: 0.2s; }
.chat-typing span:nth-child(3) { animation-delay: 0.4s; }
@keyframes typingDot {
  0%, 80%, 100% { transform: scale(0.6); opacity: 0.4; }
  40% { transform: scale(1); opacity: 1; }
}

.chatbot-input-area {
  padding: 14px 18px; border-top: 1px solid var(--border-lt);
  display: flex; gap: 10px; background: var(--white);
}
.chatbot-input {
  flex: 1; border: 1.5px solid var(--border); border-radius: 50px;
  padding: 11px 18px; font-family: var(--font-body); font-size: 13.5px;
  outline: none; background: var(--cool-bg); color: var(--text-dark);
  transition: border-color 0.2s;
}
.chatbot-input:focus { border-color: var(--primary-lt); background: var(--white); }
.chatbot-input::placeholder { color: var(--text-muted); }
.chatbot-send {
  width: 40px; height: 40px; border-radius: 50%; border: none;
  background: var(--primary); color: var(--white); cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all 0.2s; flex-shrink: 0;
}
.chatbot-send:hover { background: var(--primary-dk); }
.chatbot-send:disabled { opacity: 0.4; cursor: not-allowed; }
.chatbot-send svg { width: 18px; height: 18px; }

.chat-quick-btns { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.chat-quick-btn {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: 50px; padding: 7px 14px; font-size: 12px;
  color: var(--primary); cursor: pointer; font-family: var(--font-body);
  font-weight: 600; transition: all 0.2s; white-space: nowrap;
}
.chat-quick-btn:hover { background: var(--primary); color: var(--white); border-color: var(--primary); }

/* ══════════════════════════════════════════════
   CLAIMS SECTION
   ══════════════════════════════════════════════ */
.claims-section { background: var(--coral); }
.claims-emergency {
  background: var(--accent); color: var(--white); border-radius: var(--radius-lg);
  padding: 24px 32px; display: flex; align-items: center; gap: 20px;
  margin-bottom: 48px; box-shadow: var(--shadow-md);
}
.claims-emergency svg { width: 32px; height: 32px; flex-shrink: 0; }
.claims-emergency p { flex: 1; font-size: 15px; margin: 0; line-height: 1.5; }
.claims-emergency-btn {
  background: var(--whatsapp); color: var(--white); padding: 12px 24px;
  border-radius: 50px; font-weight: 700; font-size: 14px; display: inline-flex;
  align-items: center; gap: 8px; transition: all .2s; white-space: nowrap;
}
.claims-emergency-btn:hover { background: #1ebe57; transform: scale(1.02); }
.claims-emergency-btn svg { width: 18px; height: 18px; }

.claims-steps-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-bottom: 64px;
}
.claims-step-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 32px 24px;
  border: 1px solid var(--border); text-align: center; transition: box-shadow .2s;
}
.claims-step-card:hover { box-shadow: var(--shadow-md); }
.claims-step-num {
  width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: 20px; font-weight: 700; margin: 0 auto 16px;
}
.claims-step-card h4 { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 12px; }
.claims-step-card p { font-size: 13.5px; color: var(--text-body); line-height: 1.6; }

.claims-tabs-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 32px;
}
.claim-tab {
  background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  padding: 14px 16px; font-size: 14px; font-weight: 600; color: var(--text-dark);
  cursor: pointer; transition: all .2s; text-align: center;
}
.claim-tab:hover { border-color: var(--primary-lt); color: var(--primary); }
.claim-panel {
  background: var(--white); border-radius: var(--radius-lg); padding: 40px;
  border: 1px solid var(--border); display: none; animation: fadeIn 0.3s ease;
}
.claim-panel.active { display: block; }
.claim-panel h4 { font-family: var(--font-display); font-size: 22px; color: var(--primary); margin-bottom: 24px; }
.claim-req-list { list-style: none; padding: 0; margin: 0 0 24px 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.claim-req-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--text-body); line-height: 1.5; }
.claim-req-list li::before { content: '•'; color: var(--primary); font-weight: bold; }
.claim-note { background: var(--warm-bg); padding: 16px; border-radius: var(--radius-sm); font-size: 13.5px; color: var(--text-muted); border-left: 3px solid var(--primary); }

.ct-icon { margin: 0 auto 8px; width: 32px; height: 32px; color: var(--primary); }
.claim-card h3 { font-family: var(--font-display); font-size: 24px; color: var(--primary); margin-bottom: 4px; }
.claim-tag-label { display: inline-block; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--primary); background: rgba(18,38,94,0.08); padding: 4px 12px; border-radius: 4px; margin-bottom: 24px; }
.claim-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 24px; }
.claim-col h4 { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.claim-col h4 svg { width: 20px; height: 20px; }
.claim-num-list { padding-left: 20px; margin: 0; }
.claim-num-list li { font-size: 14px; color: var(--text-body); line-height: 1.6; margin-bottom: 12px; padding-left: 4px; }
.claim-doc-list { list-style: none; padding: 0; margin: 0; }
.claim-doc-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--text-body); line-height: 1.5; margin-bottom: 12px; }
.claim-doc-list li::before { content: '✓'; color: var(--success); font-weight: 700; }
.claim-tips-box { background: var(--warm-bg); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 20px; margin-bottom: 24px; }
.claim-tips-box h4 { font-size: 14px; font-weight: 700; color: var(--primary); margin-bottom: 12px; }
.claim-tips-box ul { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.claim-tips-box li { font-size: 13px; color: var(--text-muted); line-height: 1.5; padding-left: 16px; position: relative; }
.claim-tips-box li::before { content: '•'; color: var(--primary); position: absolute; left: 0; top: 0; font-weight: bold; }
.claim-wa-cta { display: flex; align-items: center; gap: 16px; background: var(--ocean); padding: 20px; border-radius: var(--radius-md); }
.claim-wa-cta svg { width: 36px; height: 36px; color: var(--ocean-dk); flex-shrink: 0; }
.claim-wa-cta p { font-size: 14px; color: var(--ocean-dk); margin-bottom: 4px; }
.claim-wa-cta a { font-size: 14px; font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 4px; }
.claim-wa-cta a:hover { text-decoration: underline; }

/* ══════════════════════════════════════════════
   GLOBAL SVG & DROPDOWN FIXES
   ══════════════════════════════════════════════ */
/* Constrain any injected SVG checkmarks in custom select dropdowns */
svg {
  max-width: 100%;
}

/* ══════════════════════════════════════════════
   RESPONSIVE
   ══════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .hero { padding: 0; }
  .hero-content { padding: 56px 0; }
  .hero h1 { font-size: 32px; }
  .trust-bar .container { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .trust-item strong { font-size: 22px; }
  section { padding: 56px 24px; }
  .accent-serif { font-family: var(--font-accent); font-style: italic; font-weight: 400; color: var(--primary); }
.section-title { font-size: 28px; }
  .services-grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .claims-steps-row { grid-template-columns: 1fr; }
  .claims-tabs-grid { grid-template-columns: repeat(3, 1fr); }
  .claims-emergency { flex-direction: column; text-align: center; }
  .claim-wa-cta { flex-direction: column; text-align: center; }
  .why-grid { grid-template-columns: 1fr; }
  .buy-grid { grid-template-columns: repeat(2, 1fr); }
  .product-block { padding: 26px 20px; }
  .product-header h3 { font-size: 19px; }
  .articles-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .wa-banner .container { flex-direction: column; text-align: center; }
  .partners-logos { grid-template-columns: repeat(3, 1fr); }
  .team-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 4px; }
  .chatbot-panel { right: 12px; left: 12px; width: auto; bottom: 148px; max-height: 460px; }
  .chatbot-fab { bottom: 80px; right: 16px; width: 50px; height: 50px; }
  .wa-float { bottom: 16px; right: 16px; width: 50px; height: 50px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 28px; }
  .hero-btns { flex-direction: column; }
  .hero-btns a { width: 100%; justify-content: center; }
  .partners-logos { grid-template-columns: repeat(2, 1fr); }
  .claims-tabs-grid { grid-template-columns: repeat(2, 1fr); }
  .quote-form-card { padding: 24px 18px; }
  .buy-grid { grid-template-columns: 1fr; }
  .claim-cols { grid-template-columns: 1fr; }
  .claim-tips-box ul { grid-template-columns: 1fr; }
}