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

:root {
  --navy: #002147;
  --navy-dark: #001a38;
  --blue: #0066FF;
  --blue-light: #E6F0FF;
  --blue-hover: #0052cc;
  --text-dark: #1a1a2e;
  --text-gray: #666666;
  --text-light: #888888;
  --bg-light: #f5f7fa;
  --white: #ffffff;
  --gold: #f5a623;
  --shadow: 0 4px 20px rgba(0, 33, 71, 0.08);
  --shadow-card: 0 2px 16px rgba(0, 0, 0, 0.06);
  --radius: 6px;
  --container: 1200px;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  font-family: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text-dark);
  line-height: 1.6;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

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

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.highlight {
  color: var(--blue);
}

/* ===== Header ===== */
.header {
  background: var(--white);
  border-bottom: 1px solid #e8ecf0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.04);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: 20px;
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

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

.logo-img--footer {
  height: 72px;
  filter: brightness(0) invert(1);
}

.nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav a {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
  transition: color 0.2s;
}

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

.nav .chevron {
  width: 10px;
  height: 6px;
}

.header-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.phone-icon {
  width: 36px;
  height: 36px;
}

.header-phone .call-label {
  display: block;
  font-size: 11px;
  color: var(--text-gray);
  font-weight: 500;
}

.phone-number {
  font-size: 16px;
  font-weight: 700;
  color: var(--blue);
  display: block;
  line-height: 1.2;
}

/* ===== Hero ===== */
.hero {
  position: relative;
  min-height: 480px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg,
      rgba(255, 255, 255, 0.98) 0%,
      rgba(255, 255, 255, 0.9) 18%,
      rgba(255, 255, 255, 0.55) 32%,
      rgba(255, 255, 255, 0.12) 48%,
      rgba(255, 255, 255, 0) 58%),
    image-set(
      url('images/hero-bg.webp') type('image/webp'),
      url('images/hero-bg.jpg') type('image/jpeg')
    ) 22% center / cover no-repeat;
  z-index: 0;
  transform: scale(1);
  will-change: transform;
  animation: heroBgKenBurns 18s ease-in-out infinite alternate;
}

@keyframes heroBgKenBurns {
  from { transform: scale(1); }
  to { transform: scale(1.05); }
}

.hero-content h1 {
  font-size: 38px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 12px;
  animation: heroFadeUp 1.1s cubic-bezier(0.22, 1, 0.36, 1) 0.15s both;
}

.hero-sub {
  font-size: 16px;
  color: var(--text-gray);
  margin-bottom: 20px;
  font-weight: 500;
  animation: heroFadeUp 1.1s cubic-bezier(0.22, 1, 0.36, 1) 0.3s both;
}

.hero-checklist {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.hero-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  animation: heroFadeUp 1s cubic-bezier(0.22, 1, 0.36, 1) both;
}

.hero-checklist li:nth-child(1) { animation-delay: 0.45s; }
.hero-checklist li:nth-child(2) { animation-delay: 0.55s; }
.hero-checklist li:nth-child(3) { animation-delay: 0.65s; }
.hero-checklist li:nth-child(4) { animation-delay: 0.75s; }

.hero-checklist svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

@keyframes heroFadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes heroFadeRight {
  from {
    opacity: 0;
    transform: translateX(24px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 40px;
  align-items: center;
  padding-top: 32px;
  padding-bottom: 32px;
  min-height: 480px;
}

/* ===== Quote Form ===== */
.quote-form-card {
  background: var(--white);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(0, 33, 71, 0.15);
  animation:
    heroFadeRight 1.1s cubic-bezier(0.22, 1, 0.36, 1) 0.35s both,
    heroFormGlow 4s ease-in-out 1.6s infinite;
}

@keyframes heroFormGlow {
  0%, 100% { box-shadow: 0 8px 40px rgba(0, 33, 71, 0.15); }
  50% { box-shadow: 0 8px 40px rgba(0, 33, 71, 0.15), 0 0 0 8px rgba(0, 102, 255, 0.12); }
}

.form-header {
  background: var(--navy);
  padding: 14px 20px;
  text-align: center;
}

.form-header h2 {
  color: var(--white);
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 2px;
}

.form-header p {
  color: #7eb3ff;
  font-size: 11px;
  font-weight: 500;
}

.form-body {
  padding: 16px 20px 18px;
}

.steps {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.step {
  display: flex;
  align-items: center;
}

.step-circle {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 2px solid #d0d8e0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  color: #aaa;
  background: var(--white);
}

.step.active .step-circle {
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
}

.step-line {
  width: 48px;
  height: 2px;
  background: #d0d8e0;
  margin: 0 3px;
}

.step:last-child .step-line {
  display: none;
}

.quote-form {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group {
  position: relative;
}

.form-group .input-icon {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  pointer-events: none;
  z-index: 1;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 9px 12px 9px 36px;
  border: 1px solid #dde3ea;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 13px;
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  transition: border-color 0.2s;
  appearance: none;
}

.form-group input::placeholder {
  color: #aaa;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--blue);
}

.form-group select {
  cursor: pointer;
  color: #aaa;
}

.form-group select:valid {
  color: var(--text-dark);
}

.form-group .select-arrow {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 10px;
  height: 6px;
  pointer-events: none;
}

.btn-primary {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  width: 100%;
  padding: 11px;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.5px;
  cursor: pointer;
  transition: background 0.2s;
  margin-top: 2px;
}

.btn-primary:hover {
  background: var(--blue-hover);
}

.btn-primary svg {
  width: 18px;
  height: 18px;
}

.form-secure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
  font-size: 11px;
  color: var(--text-gray);
  margin-top: 2px;
}

.form-secure svg {
  width: 12px;
  height: 14px;
}

.form-message {
  padding: 10px 12px;
  border-radius: 6px;
  font-size: 13px;
  line-height: 1.5;
  font-weight: 500;
}

.form-message--success {
  background: #e8f5e9;
  color: #2e7d32;
  border: 1px solid #a5d6a7;
}

.form-message--error {
  background: #ffebee;
  color: #c62828;
  border: 1px solid #ef9a9a;
}

.tcpa-block {
  margin-top: 2px;
}

.tcpa-disclosure {
  max-height: 72px;
  overflow-y: auto;
  padding: 7px 9px;
  background: #f4f7fb;
  border: 1px solid #e2e8f0;
  border-radius: 6px;
  margin-bottom: 6px;
  scrollbar-width: thin;
  scrollbar-color: #c5d0dc transparent;
}

.tcpa-disclosure::-webkit-scrollbar {
  width: 4px;
}

.tcpa-disclosure::-webkit-scrollbar-thumb {
  background: #c5d0dc;
  border-radius: 4px;
}

.tcpa-disclaimer {
  font-size: 9px;
  line-height: 1.45;
  color: #6b7280;
  margin: 0;
}

.tcpa-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  cursor: pointer;
}

.tcpa-consent input[type="checkbox"] {
  flex-shrink: 0;
  width: 14px;
  height: 14px;
  margin-top: 1px;
  accent-color: var(--blue);
  cursor: pointer;
}

.tcpa-consent--error {
  padding: 8px;
  border-radius: 6px;
  background: #fff5f5;
  outline: 1px solid #e57373;
}

.tcpa-label {
  font-size: 10px;
  line-height: 1.4;
  color: var(--text-gray);
}

.tcpa-label a,
.tcpa-disclaimer a {
  color: var(--blue);
  text-decoration: underline;
}

.tcpa-label a:hover,
.tcpa-disclaimer a:hover {
  color: var(--blue-hover);
}

.contact-form .tcpa-disclosure {
  max-height: 64px;
}

.contact-form .tcpa-disclaimer,
.contact-form .tcpa-label {
  font-size: 10px;
}

/* ===== Partners ===== */
.partners {
  background: var(--white);
  padding: 24px 0;
  border-top: 1px solid #e8ecf0;
  border-bottom: 1px solid #e8ecf0;
}

.partners-inner {
  display: flex;
  align-items: center;
  gap: 36px;
}

.partners-text {
  font-size: 14px;
  color: var(--navy);
  font-weight: 700;
  flex-shrink: 0;
  max-width: 200px;
  line-height: 1.45;
}

.partners-logos {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  align-items: center;
  flex: 1;
  gap: 10px;
}

.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 50px;
  padding: 0 4px;
  overflow: visible;
}

.partner-logo img {
  height: 42px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  object-position: center;
  display: block;
}

/* Equal visual size — tuned per logo canvas padding */
.partner-logo--mutual img {
  height: 46px;
  transform: scale(1.35);
  max-width: 110%;
}

.partner-logo--aig img {
  height: 40px;
  transform: scale(1.05);
}

.partner-logo--prudential img {
  height: 40px;
  transform: scale(0.92);
}

.partner-logo--transamerica img {
  height: 42px;
  transform: scale(1.2);
}

.partner-logo--protective img {
  height: 38px;
  transform: scale(1.0);
}

.partner-logo--foresters img {
  height: 40px;
  transform: scale(0.95);
}

/* ===== Benefits ===== */
.benefits {
  padding: 70px 0;
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.benefit-card {
  text-align: center;
  padding: 0 10px;
}

.benefit-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 18px;
  background: var(--blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s ease;
}

.benefit-icon i {
  font-size: 26px;
  color: var(--white);
  line-height: 1;
}

.benefit-card:hover .benefit-icon {
  transform: scale(1.08);
}

.benefit-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.benefit-card p {
  font-size: 13px;
  color: var(--text-gray);
  line-height: 1.6;
}

/* ===== Insurance Options ===== */
.insurance-options {
  padding: 70px 0 80px;
  background: var(--bg-light);
}

.section-title {
  text-align: center;
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}

.section-sub {
  text-align: center;
  font-size: 15px;
  color: var(--text-gray);
  margin-bottom: 45px;
  font-weight: 500;
}

.options-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}

.option-card {
  background: var(--white);
  border: 1px solid #e0e6ed;
  border-top: 3px solid var(--blue);
  border-radius: 8px;
  padding: 28px 18px 24px;
  text-align: center;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.option-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 36px rgba(0, 33, 71, 0.12);
}

.option-icon {
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 56px;
}

.option-icon i {
  font-size: 48px;
  color: var(--blue);
  line-height: 1;
  transition: transform 0.3s ease;
}

.option-card:hover .option-icon i {
  transform: scale(1.1);
}

.option-card h3 {
  font-size: 14px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 10px;
  line-height: 1.3;
}

.option-card p {
  font-size: 12px;
  color: var(--text-gray);
  line-height: 1.55;
  margin-bottom: 18px;
  flex: 1;
}

.btn-outline {
  display: inline-block;
  padding: 8px 22px;
  border: 2px solid var(--blue);
  border-radius: var(--radius);
  color: var(--blue);
  font-size: 12px;
  font-weight: 700;
  transition: all 0.2s;
}

.btn-outline:hover {
  background: var(--blue);
  color: var(--white);
}

/* ===== Testimonials ===== */
.testimonials {
  padding: 70px 0 60px;
  background: var(--white);
}

.testimonials-wrapper {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 40px;
}

.carousel-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid #dde3ea;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.2s;
}

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

.carousel-btn svg {
  width: 20px;
  height: 20px;
}

.testimonials-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  flex: 1;
  overflow: hidden;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 10px;
  padding: 28px 24px;
  box-shadow: var(--shadow-card);
}

.stars {
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 14px;
}

.quote {
  font-size: 13px;
  color: var(--text-gray);
  font-style: italic;
  line-height: 1.65;
  margin-bottom: 20px;
  min-height: 80px;
}

.reviewer {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid #f0f0f0;
  padding-top: 16px;
}

.reviewer img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
}

.reviewer strong {
  display: block;
  font-size: 13px;
  color: var(--navy);
}

.reviewer span {
  font-size: 12px;
  color: var(--text-light);
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}

.dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #d0d8e0;
  cursor: pointer;
  transition: background 0.2s;
}

.dot.active {
  background: var(--blue);
}

/* ===== CTA Bar ===== */
.cta-bar {
  background: var(--navy);
  padding: 28px 0;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.cta-text {
  display: flex;
  align-items: center;
  gap: 16px;
}

.cta-text svg,
.cta-icon {
  width: 52px;
  height: 52px;
  flex-shrink: 0;
  object-fit: contain;
}

.cta-icon {
  filter: brightness(0) invert(1);
}

.cta-text p {
  color: var(--white);
  font-size: 17px;
  font-weight: 500;
}

.cta-text strong {
  font-weight: 700;
}

.btn-cta-white {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  background: var(--white);
  color: var(--blue);
  border-radius: var(--radius);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.5px;
  white-space: nowrap;
  flex-shrink: 0;
  transition: transform 0.2s;
}

.btn-cta-white:hover {
  transform: scale(1.03);
}

.btn-cta-white svg {
  width: 20px;
  height: 20px;
}

/* ===== Footer ===== */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.8);
  padding-top: 60px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 50px;
}

.footer-logo {
  display: inline-flex;
  align-items: center;
  margin-bottom: 18px;
}

.footer-desc {
  font-size: 13px;
  line-height: 1.7;
  margin-bottom: 22px;
  color: rgba(255, 255, 255, 0.65);
}

.social-icons {
  display: flex;
  gap: 10px;
}

.social-icons a {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
}

.social-icons a:hover {
  background: var(--blue);
}

.social-icons svg {
  width: 18px;
  height: 18px;
}

.footer-col h4 {
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 20px;
}

.footer-col ul li {
  margin-bottom: 10px;
}

.footer-col ul li a,
.footer-col ul li span {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
  transition: color 0.2s;
}

.footer-col ul li a:hover {
  color: var(--white);
}

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.contact-list svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 20px 0;
}

.footer-bottom-inner {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 20px;
}

.copyright {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
  white-space: nowrap;
  justify-self: start;
}

.disclaimer {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.4);
  text-align: center;
  justify-self: center;
}

.footer-note {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.6);
  white-space: nowrap;
  justify-self: end;
  text-align: right;
}

/* ===== Responsive ===== */
@media (max-width: 1100px) {
  .nav {
    display: none;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    max-width: 500px;
    margin: 0 auto;
  }

  .hero-content {
    text-align: center;
  }

  .hero-checklist {
    align-items: center;
  }

  .options-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .hero-content h1 {
    font-size: 30px;
  }

  .partners-inner {
    flex-direction: column;
    text-align: center;
  }

  .partners-text {
    max-width: 100%;
    white-space: normal;
  }

  .partners-logos {
    grid-template-columns: repeat(3, 1fr);
    gap: 16px 12px;
  }

  .benefits-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .options-grid {
    grid-template-columns: 1fr;
    max-width: 360px;
    margin: 0 auto;
  }

  .testimonials-track {
    grid-template-columns: 1fr;
  }

  .carousel-btn {
    display: none;
  }

  .cta-inner {
    flex-direction: column;
    text-align: center;
  }

  .cta-text {
    flex-direction: column;
  }

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

  .footer-bottom-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .copyright,
  .disclaimer,
  .footer-note {
    justify-self: center;
    text-align: center;
    white-space: normal;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .about-stats {
    grid-template-columns: 1fr;
  }
}

/* ===== Inner Pages ===== */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 48px 0;
  text-align: center;
}

.page-hero h1 {
  font-size: 32px;
  font-weight: 800;
  margin-bottom: 10px;
}

.page-hero p {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 500;
}

.subnav {
  background: var(--bg-light);
  border-bottom: 1px solid #e8ecf0;
  padding: 14px 0;
  position: sticky;
  top: 80px;
  z-index: 99;
}

.subnav-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
}

.subnav a {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  padding: 8px 16px;
  border-radius: 20px;
  background: var(--white);
  border: 1px solid #dde3ea;
  transition: all 0.2s;
}

.subnav a:hover {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

.content-section {
  padding: 56px 0;
  scroll-margin-top: 140px;
}

.content-section:nth-child(even) {
  background: var(--bg-light);
}

.info-block {
  max-width: 800px;
}

.info-block h2 {
  font-size: 26px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
}

.info-block p {
  color: var(--text-gray);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 14px;
}

.info-icon {
  width: 64px;
  height: 64px;
  background: var(--blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.info-icon i {
  font-size: 28px;
  color: var(--white);
}

.info-list {
  margin: 20px 0 24px;
  padding-left: 20px;
}

.info-list li {
  color: var(--text-gray);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 8px;
  list-style: disc;
}

.info-list.numbered {
  padding-left: 24px;
}

.info-list.numbered li {
  list-style: decimal;
}

.btn-inline {
  display: inline-flex;
  width: auto;
  padding: 12px 28px;
}

.about-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 32px;
}

.stat-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 8px;
  padding: 24px;
  text-align: center;
}

.stat-card strong {
  display: block;
  font-size: 28px;
  color: var(--blue);
  margin-bottom: 6px;
}

.stat-card span {
  font-size: 13px;
  color: var(--text-gray);
  font-weight: 600;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-info-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 15px;
  color: var(--text-gray);
}

.contact-info-list i {
  color: var(--blue);
  margin-top: 3px;
  width: 18px;
}

.contact-info-list a {
  color: var(--blue);
  font-weight: 600;
}

.contact-form {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 10px;
  padding: 28px;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.contact-form h3 {
  font-size: 18px;
  color: var(--navy);
  margin-bottom: 4px;
  font-weight: 700;
}

.contact-form .form-group input,
.contact-form .form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #dde3ea;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 14px;
  outline: none;
  resize: vertical;
}

.contact-form .form-group input:focus,
.contact-form .form-group textarea:focus {
  border-color: var(--blue);
}

.faq-item {
  border: 1px solid #e8ecf0;
  border-radius: 8px;
  margin-bottom: 10px;
  overflow: hidden;
  background: var(--white);
}

.faq-item summary {
  padding: 16px 20px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item p {
  padding: 0 20px 16px;
  margin: 0;
}

.article-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 8px;
}

.article-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 8px;
  padding: 22px;
  transition: box-shadow 0.2s, transform 0.2s;
}

.article-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.article-card h3 {
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 8px;
  font-weight: 700;
}

.article-card p {
  font-size: 13px;
  color: var(--text-gray);
  margin: 0;
}

.legal-block p {
  font-size: 14px;
}

@media (max-width: 768px) {
  .article-cards {
    grid-template-columns: 1fr;
  }

  .subnav {
    top: 80px;
  }
}

/* ===== Animations ===== */
.animate {
  opacity: 0;
  transition:
    opacity 0.65s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.65s cubic-bezier(0.22, 1, 0.36, 1);
  will-change: opacity, transform;
}

.animate.is-visible {
  opacity: 1;
  will-change: auto;
}

.animate-fade-up {
  transform: translateY(36px);
}

.animate-fade-up.is-visible {
  transform: translateY(0);
}

.animate-fade-down {
  transform: translateY(-24px);
}

.animate-fade-down.is-visible {
  transform: translateY(0);
}

.animate-fade-left {
  transform: translateX(-36px);
}

.animate-fade-left.is-visible {
  transform: translateX(0);
}

.animate-fade-right {
  transform: translateX(36px);
}

.animate-fade-right.is-visible {
  transform: translateX(0);
}

.animate-scale {
  transform: scale(0.92);
}

.animate-scale.is-visible {
  transform: scale(1);
}

.animate-delay-1 { transition-delay: 0.1s; }
.animate-delay-2 { transition-delay: 0.2s; }
.animate-delay-3 { transition-delay: 0.3s; }
.animate-delay-4 { transition-delay: 0.4s; }
.animate-delay-5 { transition-delay: 0.5s; }

.btn-primary,
.btn-outline,
.btn-cta-white {
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
}

.btn-primary:hover,
.btn-outline:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 102, 255, 0.25);
}

.btn-cta-white:hover {
  transform: translateY(-2px) scale(1.02);
}

.testimonial-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 28px rgba(0, 33, 71, 0.1);
}

.partner-logo img {
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.partner-logo:hover img {
  transform: scale(1.06);
}

.carousel-btn {
  transition: border-color 0.2s, color 0.2s, transform 0.2s;
}

.carousel-btn:hover {
  transform: scale(1.08);
}

.social-icons a {
  transition: background 0.2s, transform 0.2s;
}

.social-icons a:hover {
  transform: translateY(-3px);
}

@media (prefers-reduced-motion: reduce) {
  .hero-bg,
  .hero-content h1,
  .hero-sub,
  .hero-checklist li,
  .quote-form-card {
    animation: none;
  }
}

/* ===== Submissions Admin ===== */
.submissions-page .nav a.active {
  color: var(--blue);
  font-weight: 600;
}

.submissions-login {
  max-width: 480px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 10px;
  padding: 32px;
  box-shadow: var(--shadow-card);
}

.submissions-login h2,
.submissions-panel h2 {
  color: var(--navy);
  margin-bottom: 8px;
}

.submissions-login p {
  color: var(--text-gray);
  margin-bottom: 20px;
}

.submissions-login-form {
  display: flex;
  gap: 10px;
}

.submissions-login-form input {
  flex: 1;
  padding: 12px 14px;
  border: 1px solid #dde3ea;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 14px;
}

.submissions-error {
  color: #c0392b;
  font-size: 13px;
  margin-top: 12px;
}

.submissions-panel {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: 10px;
  padding: 24px;
  box-shadow: var(--shadow-card);
}

.submissions-toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 20px;
}

.submissions-toolbar p {
  color: var(--text-gray);
  font-size: 14px;
}

.submissions-table-wrap {
  overflow-x: auto;
}

.submissions-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}

.submissions-table th,
.submissions-table td {
  padding: 12px 10px;
  border-bottom: 1px solid #e8ecf0;
  text-align: left;
  vertical-align: top;
}

.submissions-table th {
  background: var(--bg-light);
  color: var(--navy);
  font-weight: 600;
  white-space: nowrap;
}

.submissions-table td a {
  color: var(--blue);
  text-decoration: underline;
}

.badge {
  display: inline-block;
  padding: 4px 8px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
}

.badge-quote {
  background: #e6f0ff;
  color: var(--blue);
}

.badge-contact {
  background: #eef8ee;
  color: #2e7d32;
}

.submissions-empty {
  text-align: center;
  color: var(--text-gray);
  padding: 24px 0;
}

@media (max-width: 768px) {
  .submissions-login-form {
    flex-direction: column;
  }

  .submissions-toolbar {
    flex-direction: column;
    align-items: flex-start;
  }
}