/* ============================================================
   Cosmos Broker – Main Stylesheet
   ============================================================ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600;700;800&family=Inter:wght@400;500;600&display=swap');

/* ── Custom Properties ── */
:root {
  --navy:        #0d2461;
  --navy-dark:   #07163d;
  --blue:        #1a4fa0;
  --blue-light:  #2563eb;
  --blue-pale:   #dbeafe;
  --orange:      #ea5c0a;
  --orange-hover:#c74b08;
  --orange-pale: #fff3ed;
  --text:        #111827;
  --text-mid:    #374151;
  --text-muted:  #6b7280;
  --bg:          #f8fafc;
  --bg-white:    #ffffff;
  --border:      #e5e7eb;
  --border-blue: #bfdbfe;
  --success:     #10b981;
  --error:       #ef4444;
  --shadow-sm:   0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow:      0 4px 16px rgba(13,36,97,.10);
  --shadow-lg:   0 10px 40px rgba(13,36,97,.15);
  --radius:      12px;
  --radius-sm:   8px;
  --transition:  .22s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }

/* ── Typography ── */
h1, h2, h3, h4, h5 {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
p  { line-height: 1.75; }

/* ── Layout ── */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
section { padding: 80px 0; }
.section-label {
  display: inline-block;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 12px;
}
.section-title { margin-bottom: 16px; }
.section-sub {
  color: var(--text-mid);
  font-size: 1.1rem;
  max-width: 620px;
  margin-bottom: 48px;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 50px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 4px 20px rgba(234,92,10,.35);
}
.btn-primary:hover {
  background: var(--orange-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(234,92,10,.4);
}
.btn-secondary {
  background: rgba(255,255,255,.15);
  color: #fff;
  border: 2px solid rgba(255,255,255,.5);
  backdrop-filter: blur(4px);
}
.btn-secondary:hover {
  background: rgba(255,255,255,.25);
  border-color: #fff;
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: #fff;
}
.btn-lg { padding: 16px 36px; font-size: 1.1rem; }
.btn svg { width: 20px; height: 20px; flex-shrink: 0; }

/* ── Navigation ── */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: background var(--transition), box-shadow var(--transition);
  padding: 0;
}
.site-nav.scrolled {
  background: var(--bg-white);
  box-shadow: var(--shadow);
}
.site-nav.scrolled .nav-logo-img { filter: none; }
.site-nav.scrolled .nav-link { color: var(--text); }
.site-nav.scrolled .nav-link:hover { color: var(--blue-light); }
.site-nav.scrolled .nav-phone { color: var(--navy); }
.site-nav.scrolled .hamburger span { background: var(--navy); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.nav-logo-img { height: 48px; width: auto; }
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: #fff;
  transition: color var(--transition);
}
.site-nav.scrolled .nav-logo-name { color: var(--navy); }
.nav-logo-sub {
  font-size: .65rem;
  color: rgba(255,255,255,.75);
  font-weight: 400;
  letter-spacing: .03em;
  transition: color var(--transition);
}
.site-nav.scrolled .nav-logo-sub { color: var(--text-muted); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  color: rgba(255,255,255,.9);
  font-size: .95rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: var(--transition);
}
.nav-link:hover,
.nav-link.active { color: #fff; background: rgba(255,255,255,.12); }
.site-nav.scrolled .nav-link.active { color: var(--blue-light); background: var(--blue-pale); }

.nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.9);
  font-weight: 600;
  font-family: 'Poppins', sans-serif;
  font-size: .95rem;
  padding: 8px 18px;
  border-radius: 50px;
  border: 2px solid rgba(255,255,255,.35);
  transition: var(--transition);
}
.nav-phone:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.6);
}
.site-nav.scrolled .nav-phone {
  border-color: var(--orange);
  color: var(--orange);
}
.site-nav.scrolled .nav-phone:hover {
  background: var(--orange);
  color: #fff;
}
.nav-phone svg { width: 16px; height: 16px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .25s ease, opacity .2s ease, background var(--transition);
}
/* Animate to × when menu is open */
.hamburger.is-active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.is-active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.is-active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Mobile Menu ── */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--navy-dark);
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.mobile-menu.open { display: flex; }
.mobile-menu .nav-link {
  color: rgba(255,255,255,.85);
  font-size: 1.3rem;
  padding: 14px 32px;
  border-radius: 12px;
  width: 100%;
  text-align: center;
  max-width: 320px;
}
.mobile-menu .nav-link:hover { background: rgba(255,255,255,.1); color: #fff; }
.mobile-menu-phone {
  margin-top: 16px;
  background: var(--orange);
  color: #fff !important;
  border-radius: 50px !important;
  font-size: 1rem !important;
  display: flex !important;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

/* ── Hero ── */
.hero {
  position: relative;
  background:
    linear-gradient(145deg, rgba(7,22,61,.93) 0%, rgba(13,36,97,.89) 45%, rgba(16,50,114,.87) 75%, rgba(26,79,160,.82) 100%),
    url('/assets/images/hero-bg.jpg') center center / cover no-repeat;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 76px;
}

/* Dot-grid texture */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.055) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  z-index: 0;
}

/* Diagonal light sweep */
.hero::after {
  content: '';
  position: absolute;
  top: -40%;
  left: -10%;
  width: 60%;
  height: 200%;
  background: linear-gradient(105deg, transparent 30%, rgba(255,255,255,.03) 50%, transparent 70%);
  transform: skewX(-15deg);
  animation: lightSweep 8s ease-in-out infinite;
  pointer-events: none;
  z-index: 0;
}

@keyframes lightSweep {
  0%, 100% { opacity: 0; transform: skewX(-15deg) translateX(-20%); }
  40%       { opacity: 1; }
  60%       { opacity: 1; transform: skewX(-15deg) translateX(160%); }
  61%       { opacity: 0; }
}

/* Floating orbs */
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  pointer-events: none;
  z-index: 0;
  opacity: 0;
  animation: orbAppear 1.2s ease forwards, orbDrift var(--dur,14s) ease-in-out infinite alternate;
}
@keyframes orbAppear {
  to { opacity: var(--op, .18); }
}
@keyframes orbDrift {
  0%   { transform: translate(0, 0) scale(1); }
  100% { transform: translate(var(--tx,30px), var(--ty,-20px)) scale(1.08); }
}
.hero-orb--1 {
  --op:.22; --tx:50px; --ty:-40px; --dur:15s;
  width:700px; height:700px;
  background: radial-gradient(circle at 40% 40%, #3b82f6, transparent 65%);
  top:-15%; right:-8%;
  animation-delay: 0s, 1.2s;
}
.hero-orb--2 {
  --op:.14; --tx:-30px; --ty:50px; --dur:19s;
  width:500px; height:500px;
  background: radial-gradient(circle at 50% 50%, #1e40af, transparent 65%);
  bottom:-5%; left:-12%;
  animation-delay: .15s, 1.35s;
}
.hero-orb--3 {
  --op:.10; --tx:20px; --ty:-25px; --dur:12s;
  width:280px; height:280px;
  background: radial-gradient(circle at 50% 50%, #7c3aed, transparent 65%);
  top:42%; left:28%;
  animation-delay: .3s, 1.5s;
}
.hero-orb--4 {
  --op:.12; --tx:-35px; --ty:25px; --dur:17s;
  width:320px; height:320px;
  background: radial-gradient(circle at 50% 50%, #ea580c, transparent 65%);
  bottom:18%; right:18%;
  animation-delay: .45s, 1.65s;
}

/* Content entry animations */
@keyframes heroUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes heroLeft {
  from { opacity: 0; transform: translateX(48px); }
  to   { opacity: 1; transform: translateX(0); }
}

.hero-content > * { opacity: 0; }
.hero-badge  { animation: heroUp .7s cubic-bezier(.22,1,.36,1) forwards .35s; }
.hero h1     { animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards .55s; }
.hero-sub    { animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards .72s; }
.hero-ctas   { animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards .88s; }
.hero-trust  { animation: heroUp .8s cubic-bezier(.22,1,.36,1) forwards 1.02s; }
.hero-card   { animation: heroLeft .9s cubic-bezier(.22,1,.36,1) forwards .6s; opacity:0; }

/* CTA button pulsing glow */
@keyframes ctaGlow {
  0%, 100% { box-shadow: 0 4px 20px rgba(234,92,10,.38); }
  50%       { box-shadow: 0 4px 40px rgba(234,92,10,.65), 0 0 0 8px rgba(234,92,10,.10); }
}
.hero .btn-primary { animation: ctaGlow 2.8s ease-in-out infinite; }
.hero .btn-primary:hover { animation: none; transform: translateY(-2px); }

/* Live badge pulse */
@keyframes livePulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(74,222,128,.5); }
  60%       { box-shadow: 0 0 0 7px rgba(74,222,128,0); }
}
.hero-live {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 50px;
  padding: 8px 16px;
  margin-bottom: 18px;
  font-size: .82rem;
  color: rgba(255,255,255,.8);
  backdrop-filter: blur(4px);
}
.hero-live-dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  background: #4ade80;
  flex-shrink: 0;
  animation: livePulse 1.8s ease-out infinite;
}

/* Star rating mini */
.hero-rating {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-rating-stars { color: #fbbf24; letter-spacing: 2px; font-size: .95rem; }
.hero-rating-text  { color: rgba(255,255,255,.65); font-size: .82rem; }

/* Ensure hero content sits above orbs */
.hero .container { position: relative; z-index: 1; }
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  padding: 80px 0;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  font-size: .85rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
  backdrop-filter: blur(4px);
}
.hero-badge::before {
  content: '✓';
  color: #4ade80;
  font-weight: 700;
}
.hero h1 {
  color: #fff;
  font-size: clamp(2.2rem, 5.5vw, 3.6rem);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 em {
  font-style: normal;
  color: #fbbf24;
}
.hero-sub {
  color: rgba(255,255,255,.8);
  font-size: 1.15rem;
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 540px;
}
.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 24px;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.8);
  font-size: .9rem;
  font-weight: 500;
}
.hero-trust-item::before {
  content: '✓';
  color: #4ade80;
  font-weight: 700;
  font-size: 1rem;
}

/* Hero card (right column) */
.hero-card {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 20px;
  padding: 36px 32px;
  backdrop-filter: blur(12px);
}
.hero-card h3 {
  color: #fff;
  font-size: 1.2rem;
  margin-bottom: 6px;
}
.hero-card p {
  color: rgba(255,255,255,.7);
  font-size: .9rem;
  margin-bottom: 24px;
}
.hero-card-steps { display: flex; flex-direction: column; gap: 16px; }
.hero-step {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.hero-step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--orange);
  color: #fff;
  font-weight: 700;
  font-size: .9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: 'Poppins', sans-serif;
}
.hero-step-text strong {
  display: block;
  color: #fff;
  font-weight: 600;
  margin-bottom: 2px;
}
.hero-step-text span {
  color: rgba(255,255,255,.65);
  font-size: .85rem;
}

/* ── Trust bar ── */
.trust-bar {
  background: var(--navy);
  padding: 24px 0;
}
.trust-bar-inner {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px 40px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.85);
  font-size: .95rem;
  font-weight: 500;
}
.trust-item svg { color: #4ade80; width: 20px; height: 20px; flex-shrink: 0; }

/* ── Services ── */
.services { background: var(--bg); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--blue-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: var(--border-blue);
}
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--blue-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--blue);
}
.service-icon svg { width: 28px; height: 28px; }
.service-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.service-card p { color: var(--text-mid); font-size: .95rem; line-height: 1.65; }
.service-free-badge {
  display: inline-block;
  margin-top: 14px;
  font-size: .78rem;
  font-weight: 600;
  color: var(--success);
  background: #d1fae5;
  padding: 4px 12px;
  border-radius: 50px;
}

/* ── How it works ── */
.how-it-works { background: var(--bg-white); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: calc(25% / 2);
  right: calc(25% / 2);
  height: 2px;
  background: var(--border-blue);
  z-index: 0;
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
  font-size: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  border: 4px solid var(--bg-white);
  box-shadow: var(--shadow);
  position: relative;
}
.step-num.highlighted { background: var(--orange); }
.step-item h3 { font-size: 1.05rem; margin-bottom: 10px; }
.step-item p { color: var(--text-mid); font-size: .9rem; line-height: 1.6; }

/* ── Why us ── */
.why-us { background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%); }
.why-us .section-title,
.why-us .section-label { color: rgba(255,255,255,.8); }
.why-us .section-title { color: #fff; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.why-item {
  display: flex;
  gap: 20px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: var(--transition);
}
.why-item:hover { background: rgba(255,255,255,.13); }
.why-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(255,255,255,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #fff;
}
.why-icon svg { width: 24px; height: 24px; }
.why-item h3 { color: #fff; font-size: 1.05rem; margin-bottom: 8px; }
.why-item p { color: rgba(255,255,255,.7); font-size: .9rem; line-height: 1.65; }

/* ── Insurers ── */
.insurers-section { background: var(--bg); }
.insurers-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.insurer-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 20px 16px;
  text-align: center;
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
}
.insurer-card:hover {
  border-color: var(--blue-light);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.insurer-card-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.insurer-card-sub {
  font-size: .78rem;
  color: var(--text-muted);
}
.insurer-card-arrow {
  margin-top: 10px;
  color: var(--blue-light);
  font-size: .8rem;
  font-weight: 600;
}

/* ── Cities ── */
.cities-section { background: var(--bg-white); }
.cities-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.city-card {
  background: var(--bg-white);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 40px 36px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  text-decoration: none;
}
.city-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--navy), var(--blue-light));
  transform: scaleX(0);
  transition: transform var(--transition);
}
.city-card:hover { box-shadow: var(--shadow-lg); border-color: var(--border-blue); }
.city-card:hover::after { transform: scaleX(1); }
.city-county { font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--orange); margin-bottom: 8px; }
.city-card h3 { font-size: 1.8rem; color: var(--navy); margin-bottom: 12px; }
.city-card p { color: var(--text-mid); font-size: .95rem; margin-bottom: 20px; line-height: 1.65; }
.city-areas { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 24px; }
.city-area-tag {
  font-size: .78rem;
  padding: 4px 10px;
  background: var(--blue-pale);
  color: var(--blue);
  border-radius: 50px;
  font-weight: 500;
}
.city-link { display: flex; align-items: center; gap: 8px; color: var(--navy); font-weight: 600; font-size: .95rem; }
.city-link svg { width: 18px; height: 18px; transition: transform var(--transition); }
.city-card:hover .city-link svg { transform: translateX(4px); }

/* ── FAQ ── */
.faq-section { background: var(--bg); }
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  text-align: left;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  transition: var(--transition);
}
.faq-question:hover { background: var(--bg); }
.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
  color: var(--navy);
}
.faq-item.active .faq-icon {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .25s ease;
}
.faq-item.active .faq-answer { max-height: 600px; }
.faq-answer-inner {
  padding: 0 24px 24px;
  color: var(--text-mid);
  line-height: 1.75;
}
.faq-answer-inner ul {
  list-style: none;
  margin-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.faq-answer-inner ul li::before {
  content: '→ ';
  color: var(--orange);
  font-weight: 700;
}

/* ── CTA Section ── */
.cta-section {
  background: var(--orange);
  padding: 80px 0;
  text-align: center;
}
.cta-section h2 { color: #fff; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,.85); font-size: 1.15rem; margin-bottom: 36px; }
.cta-section .btn-primary {
  background: #fff;
  color: var(--orange);
  box-shadow: 0 4px 20px rgba(0,0,0,.15);
}
.cta-section .btn-primary:hover {
  background: #fff;
  opacity: .92;
  transform: translateY(-2px);
}
.cta-buttons { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }
.cta-section .btn-ghost {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,.6);
  border-radius: 50px;
  padding: 14px 28px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}
.cta-section .btn-ghost:hover { background: rgba(255,255,255,.12); border-color: #fff; }

/* ── Contact Form ── */
.contact-section { background: var(--bg); }
.contact-grid { display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: start; }
.contact-info h2 { margin-bottom: 16px; }
.contact-info p { color: var(--text-mid); margin-bottom: 32px; }
.contact-detail {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  transition: var(--transition);
}
.contact-detail:hover { border-color: var(--border-blue); box-shadow: var(--shadow-sm); }
.contact-detail-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--blue-pale);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-detail-icon svg { width: 22px; height: 22px; }
.contact-detail strong { display: block; font-weight: 600; font-size: .9rem; color: var(--navy); }
.contact-detail span { color: var(--text-mid); font-size: .95rem; }
.contact-detail a { color: var(--blue-light); font-weight: 600; }
.contact-detail a:hover { text-decoration: underline; }

/* Form card */
.form-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 32px;
  box-shadow: var(--shadow);
}
.form-card h3 { margin-bottom: 6px; }
.form-card > p { color: var(--text-muted); font-size: .9rem; margin-bottom: 24px; }
.form-group { margin-bottom: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-label {
  display: block;
  font-weight: 600;
  font-size: .85rem;
  color: var(--text);
  margin-bottom: 6px;
}
.form-label .required { color: var(--error); margin-left: 2px; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  color: var(--text);
  background: var(--bg-white);
  transition: var(--transition);
  outline: none;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--blue-light);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}
.form-textarea { resize: vertical; min-height: 110px; }
.form-select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%236b7280'%3E%3Cpath fill-rule='evenodd' d='M5.23 7.21a.75.75 0 011.06.02L10 11.168l3.71-3.938a.75.75 0 111.08 1.04l-4.25 4.5a.75.75 0 01-1.08 0l-4.25-4.5a.75.75 0 01.02-1.06z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 40px; }

/* Captcha */
.captcha-box {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.captcha-question {
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  flex: 1;
  min-width: 160px;
}
.captcha-input {
  width: 90px !important;
  text-align: center;
  font-weight: 700;
  font-size: 1.1rem;
}

/* Honeypot – the parent div is hidden, bot fills child input */
.hp-wrapper {
  position: absolute;
  left: -9999px;
  top: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
  tab-index: -1;
}

/* Form submit */
.btn-submit {
  width: 100%;
  justify-content: center;
  padding: 15px;
  font-size: 1.05rem;
  border-radius: var(--radius-sm);
}

/* Form alerts */
.alert {
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  font-size: .95rem;
  margin-bottom: 16px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.alert-success { background: #d1fae5; color: #065f46; border: 1px solid #a7f3d0; }
.alert-error   { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }
.alert svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }

/* ── Page Hero (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--blue) 100%);
  padding: 140px 0 80px;
  text-align: center;
}
.page-hero h1 { color: #fff; margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,.8); font-size: 1.15rem; max-width: 640px; margin: 0 auto 24px; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: .85rem;
  color: rgba(255,255,255,.6);
  margin-bottom: 24px;
}
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb-sep { color: rgba(255,255,255,.4); }

/* ── Services page ── */
.service-detail {
  padding: 64px 0;
  border-bottom: 1px solid var(--border);
}
.service-detail:last-child { border-bottom: none; }
.service-detail-inner {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  align-items: start;
  max-width: 900px;
}
.service-detail-icon {
  width: 80px; height: 80px;
  border-radius: 20px;
  background: var(--blue-pale);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
}
.service-detail-icon svg { width: 40px; height: 40px; }
.service-detail h2 { font-size: 1.6rem; margin-bottom: 12px; }
.service-detail p { color: var(--text-mid); margin-bottom: 16px; }
.service-detail ul { display: flex; flex-direction: column; gap: 8px; color: var(--text-mid); }
.service-detail ul li { display: flex; align-items: flex-start; gap: 8px; }
.service-detail ul li::before { content: '→'; color: var(--orange); font-weight: 700; flex-shrink: 0; }

/* ── Insurer page ── */
.insurer-intro {
  background: var(--bg);
  padding: 64px 0;
}
.insurer-grid { display: grid; grid-template-columns: 1fr 400px; gap: 48px; align-items: start; }
.issues-list { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
.issue-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--orange);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
}
.issue-icon { color: var(--orange); margin-top: 2px; flex-shrink: 0; }
.issue-icon svg { width: 20px; height: 20px; }

/* ── City page ── */
.city-intro { background: var(--bg); padding: 64px 0; }
.city-page-grid { display: grid; grid-template-columns: 1fr 400px; gap: 48px; align-items: start; }

/* ── Footer ── */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.75);
  padding: 64px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand p { font-size: .9rem; margin: 16px 0 24px; line-height: 1.7; }
.footer-logo-img { height: 44px; filter: brightness(0) invert(1); }
.footer-logo-name {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: #fff;
  margin-top: 8px;
}
.footer-logo-sub { font-size: .75rem; color: rgba(255,255,255,.5); }
.footer-socials { display: flex; gap: 10px; }
.footer-social {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.65);
  transition: var(--transition);
}
.footer-social:hover { background: rgba(255,255,255,.18); color: #fff; }
.footer-col h4 {
  font-family: 'Poppins', sans-serif;
  font-size: .85rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: rgba(255,255,255,.5);
  margin-bottom: 16px;
}
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: rgba(255,255,255,.7); font-size: .9rem; transition: color var(--transition); }
.footer-links a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: .85rem;
  color: rgba(255,255,255,.45);
}
.footer-bottom a { color: rgba(255,255,255,.55); }
.footer-bottom a:hover { color: rgba(255,255,255,.85); }

/* ── Thank-you page ── */
.thankyou-section {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 120px 0 80px;
}
.thankyou-icon {
  width: 100px; height: 100px;
  border-radius: 50%;
  background: #d1fae5;
  color: var(--success);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
}
.thankyou-icon svg { width: 52px; height: 52px; }
.thankyou-section h1 { margin-bottom: 16px; }
.thankyou-section p { color: var(--text-mid); font-size: 1.1rem; max-width: 500px; margin: 0 auto 32px; }

/* ── 404 ── */
.not-found {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 120px 0 80px;
}
.not-found-num {
  font-family: 'Poppins', sans-serif;
  font-size: 8rem;
  font-weight: 800;
  color: var(--blue-pale);
  line-height: 1;
  margin-bottom: 8px;
}

/* ── Floating call btn (mobile) ── */
.float-call {
  display: none;
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 900;
  background: var(--orange);
  color: #fff;
  border-radius: 50px;
  padding: 14px 22px;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  box-shadow: 0 6px 24px rgba(234,92,10,.45);
  align-items: center;
  gap: 8px;
  text-decoration: none;
  transition: var(--transition);
}
.float-call svg { width: 20px; height: 20px; }
.float-call:hover { background: var(--orange-hover); transform: translateY(-2px); }

/* ── Utilities ── */
.text-center { text-align: center; }
.text-center .section-sub { margin-left: auto; margin-right: auto; }
.mt-auto { margin-top: auto; }
.highlight { color: var(--orange); }
.gap-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 32px; }

/* ── Site images (shared) ── */
.site-img {
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--bg);   /* neutral placeholder when image is missing */
  position: relative;
}
.site-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .5s ease;
}
.site-img:hover img { transform: scale(1.04); }

/* ── Service sections with images ── */
.service-detail--img {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 60px;
  align-items: center;
  max-width: none;
  padding: 64px 0;
  border-bottom: 1px solid var(--border);
}
.service-detail--img:last-child { border-bottom: none; }
.service-detail--img.img-left {
  grid-template-columns: 400px 1fr;
}
.service-detail--img .service-img {
  aspect-ratio: 4 / 3;
  order: 1;
}
.service-detail--img.img-left .service-img { order: -1; }
.service-detail--img .service-text { order: 2; }

/* Icon in text column */
.service-detail--img .service-detail-icon { margin-bottom: 20px; }

/* ── City hero image ── */
.city-hero-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
  opacity: .18;    /* sits below gradient overlay */
}
.page-hero { isolation: isolate; }

/* ── Contact photo ── */
.contact-photo {
  border-radius: var(--radius);
  overflow: hidden;
  aspect-ratio: 16 / 9;
  margin-top: 28px;
  background: var(--bg);
}
.contact-photo img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}

/* ── Insurer intro image ── */
.insurer-intro-img {
  aspect-ratio: 3 / 2;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--bg);
  margin-bottom: 28px;
}
.insurer-intro-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}

/* ── Home "Why us" section image ── */
.why-us-img {
  aspect-ratio: 4 / 3;
  border-radius: var(--radius);
  overflow: hidden;
  border: 2px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.06);
  grid-column: 1 / -1;       /* full row on mobile */
  max-width: 560px;
  margin: 0 auto;
}
.why-us-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}

/* ── Scroll reveal ── */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .55s ease, transform .55s ease;
}
.reveal.visible { opacity: 1; transform: none; }

/* ============================================================
   Responsive
   ============================================================ */

@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .insurers-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .service-detail--img,
  .service-detail--img.img-left {
    grid-template-columns: 1fr;
  }
  .service-detail--img .service-img,
  .service-detail--img.img-left .service-img { order: 0; }
}

@media (max-width: 768px) {
  section { padding: 60px 0; }
  .nav-links, .nav-phone { display: none; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .cities-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .insurer-grid { grid-template-columns: 1fr; }
  .city-page-grid { grid-template-columns: 1fr; }
  .insurers-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .float-call { display: flex; }
  .hero-ctas { flex-direction: column; }
  .trust-bar-inner { gap: 12px 20px; }
  .service-detail-inner { grid-template-columns: 1fr; }
  .service-detail-icon { width: 60px; height: 60px; }
  .service-detail-icon svg { width: 30px; height: 30px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero { min-height: auto; padding-bottom: 60px; }
  .insurers-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .form-card { padding: 24px 20px; }
}

/* ============================================================
   Reviews Carousel
   ============================================================ */

.reviews-section {
  background: linear-gradient(180deg, var(--navy-dark) 0%, #0a1840 100%);
  padding: 80px 0;
  overflow: hidden;
}

.reviews-header {
  text-align: center;
  margin-bottom: 52px;
  position: relative;
  z-index: 1;
}
.reviews-header .section-label { color: rgba(255,255,255,.6); }
.reviews-header h2 { color: #fff; margin-bottom: 20px; }

.reviews-summary {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
}
.reviews-score-block {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.reviews-score-num {
  font-family: 'Poppins', sans-serif;
  font-size: 3.2rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}
.reviews-score-stars {
  display: flex;
  gap: 3px;
  margin-top: 6px;
}
.reviews-score-stars svg { width: 20px; height: 20px; color: #fbbf24; }
.reviews-score-sub { color: rgba(255,255,255,.5); font-size: .8rem; margin-top: 4px; }

.reviews-divider {
  width: 1px;
  height: 60px;
  background: rgba(255,255,255,.12);
}

.reviews-fb-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 50px;
  padding: 10px 20px;
  color: rgba(255,255,255,.75);
  font-size: .9rem;
  text-decoration: none;
  transition: var(--transition);
}
.reviews-fb-badge:hover { background: rgba(255,255,255,.13); color: #fff; }
.reviews-fb-icon { width: 20px; height: 20px; fill: #1877f2; flex-shrink: 0; }

/* Carousel track */
.reviews-track-wrapper {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to right, transparent, black 7%, black 93%, transparent);
  mask-image: linear-gradient(to right, transparent, black 7%, black 93%, transparent);
  cursor: grab;
}
.reviews-track-wrapper:active { cursor: grabbing; }

.reviews-track {
  display: flex;
  gap: 20px;
  width: max-content;
  animation: reviewsScroll 50s linear infinite;
}
.reviews-track:hover,
.reviews-track:active { animation-play-state: paused; }

@keyframes reviewsScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* Individual card */
.review-card {
  flex-shrink: 0;
  width: 360px;
  background: rgba(255,255,255,.055);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: var(--radius);
  padding: 26px 24px;
  backdrop-filter: blur(8px);
  transition: background var(--transition), border-color var(--transition), transform var(--transition);
}
.review-card:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.18);
  transform: translateY(-4px);
}

.review-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}
.review-author { display: flex; align-items: center; gap: 12px; }
.review-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 1rem;
  color: #fff;
  flex-shrink: 0;
}
.review-name  { font-weight: 600; color: #fff; font-size: .95rem; line-height: 1.2; }
.review-date  { color: rgba(255,255,255,.4); font-size: .75rem; margin-top: 2px; }
.review-stars { display: flex; gap: 2px; }
.review-stars svg { width: 15px; height: 15px; color: #fbbf24; }

.review-text {
  color: rgba(255,255,255,.75);
  font-size: .88rem;
  line-height: 1.72;
  position: relative;
  padding-left: 18px;
}
.review-text::before {
  content: '"';
  position: absolute;
  left: 0; top: -4px;
  font-size: 2rem;
  color: var(--orange);
  font-family: Georgia, serif;
  line-height: 1;
  opacity: .7;
}

/* Responsive reviews */
@media (max-width: 768px) {
  .review-card { width: 300px; }
  .reviews-divider { display: none; }
  .reviews-summary { gap: 16px; }
}