/* ============================================================
   GLOOBAL INVESTMENT ADVISORY — Main Stylesheet
   Mobile-First | SEO Ready | Teal & Green Theme
   ============================================================ */

/* --- CSS Variables --- */
:root {
  --primary:       #006670;
  --primary-hover: #005259;
  --primary-light: #0a9daa;
  --primary-bg:    #f0fdfe;
  --accent:        #22c55e;
  --accent-hover:  #16a34a;
  --sky:           #14b8a6;
  --white:         #ffffff;
  --bg-light:      #f8fafc;
  --bg-blue:       #f0fdf4;
  --text-dark:     #0f172a;
  --text-med:      #334155;
  --text-light:    #64748b;
  --border:        #e2e8f0;
  --success:       #16a34a;
  --shadow-sm:     0 1px 3px rgba(0,0,0,.10);
  --shadow:        0 4px 12px rgba(0,0,0,.10);
  --shadow-lg:     0 10px 30px rgba(0,0,0,.12);
  --radius:        8px;
  --radius-lg:     16px;
  --radius-xl:     24px;
  --transition:    .3s ease;
  --font:          -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --container:     1160px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
@keyframes pageIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}
body {
  font-family: var(--font);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
  animation: pageIn 0.25s ease-out both;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }
input, select, textarea { font-family: var(--font); font-size: 1rem; }

/* --- Container --- */
.container { width: 92%; max-width: var(--container); margin-inline: auto; }

/* --- Typography --- */
h1 { font-size: clamp(1.75rem, 5vw, 2.8rem); font-weight: 800; line-height: 1.2; }
h2 { font-size: clamp(1.4rem, 4vw, 2.1rem); font-weight: 700; line-height: 1.3; }
h3 { font-size: clamp(1.1rem, 3vw, 1.35rem); font-weight: 600; line-height: 1.4; }
h4 { font-size: 1.05rem; font-weight: 600; }
p  { color: var(--text-med); font-size: .97rem; }

/* --- Section Spacing --- */
section { padding: 64px 0; }
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { color: var(--primary); margin-bottom: 12px; }
.section-header p  { max-width: 580px; margin-inline: auto; font-size: 1.05rem; }
.section-badge {
  display: inline-block;
  background: var(--primary-bg);
  color: var(--primary-light);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 99px;
  margin-bottom: 10px;
}

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow); }

nav.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  height: 68px;
}

/* Logo */
.nav-brand {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.nav-brand a {
  display: flex;
  align-items: center;
  text-decoration: none;
  line-height: 0;
}
.nav-brand a img {
  height: 44px;
  width: auto;
  max-width: 180px;
  display: block;
  object-fit: contain;
}

/* Desktop Nav Links */
.nav-links {
  display: none;
  gap: 4px;
  align-items: center;
}
.nav-links a {
  font-size: .88rem;
  font-weight: 500;
  color: var(--text-med);
  padding: 6px 10px;
  border-radius: var(--radius);
  transition: color var(--transition), background var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--primary); background: var(--primary-bg); }
.nav-links .btn-nav {
  background: var(--accent);
  color: var(--white);
  padding: 7px 16px;
  border-radius: var(--radius);
  font-weight: 600;
}
.nav-links .btn-nav:hover { background: var(--accent-hover); color: var(--white); }

/* Nav Right CTA */
.nav-right {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-call {
  display: none;
  align-items: center;
  gap: 6px;
  background: var(--primary);
  color: var(--white);
  padding: 8px 16px;
  border-radius: var(--radius);
  font-size: .88rem;
  font-weight: 600;
  transition: background var(--transition);
}
.nav-call:hover { background: var(--primary-hover); }

/* Hamburger */
.nav-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius);
  background: var(--primary-bg);
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 12px 0 20px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  padding: 12px 24px;
  font-size: .95rem;
  font-weight: 500;
  color: var(--text-med);
  border-bottom: 1px solid var(--border);
  transition: background var(--transition);
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { background: var(--primary-bg); color: var(--primary); }
.mobile-menu .btn-mobile-cta {
  margin: 12px 24px 0;
  background: var(--accent);
  color: var(--white) !important;
  text-align: center;
  border-radius: var(--radius);
  padding: 12px !important;
  font-weight: 700;
  border-bottom: none !important;
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  background: linear-gradient(135deg, #032d32 0%, #006670 50%, #0a9daa 100%);
  color: var(--white);
  padding: 72px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid {
  display: grid;
  gap: 40px;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  padding: 5px 14px;
  border-radius: 99px;
  font-size: .8rem;
  font-weight: 600;
  margin-bottom: 16px;
  backdrop-filter: blur(4px);
}
.hero h1 { color: var(--white); margin-bottom: 16px; }
.hero h1 span { color: #fbbf24; }
.hero p { color: rgba(255,255,255,.85); font-size: 1.05rem; margin-bottom: 28px; max-width: 520px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 36px;
}
.hero-stat {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  padding: 16px;
  border-radius: var(--radius-lg);
  text-align: center;
  backdrop-filter: blur(4px);
}
.hero-stat .stat-num { font-size: 1.7rem; font-weight: 800; color: #fbbf24; }
.hero-stat .stat-label { font-size: .78rem; color: rgba(255,255,255,.8); }

/* Hero Visual Card */
.hero-visual {
  display: none;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-lg);
}
.hero-card-title { color: var(--primary); font-weight: 700; font-size: 1rem; margin-bottom: 16px; }
.hero-card-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
  color: var(--text-med);
  font-weight: 500;
}
.hero-card-item:last-child { border-bottom: none; }
.card-icon {
  width: 36px;
  height: 36px;
  background: var(--primary-bg);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-size: .95rem;
  font-weight: 600;
  transition: all var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
  text-decoration: none;
}
.btn-primary {
  background: var(--accent);
  color: var(--white);
  border-color: var(--accent);
}
.btn-primary:hover { background: var(--accent-hover); border-color: var(--accent-hover); transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: var(--white); }

.btn-blue {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-blue:hover { background: var(--primary-hover); transform: translateY(-1px); box-shadow: var(--shadow); }

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

.btn-lg { padding: 14px 32px; font-size: 1rem; }
.btn-sm { padding: 8px 16px; font-size: .85rem; }

/* ============================================================
   PARTNER LOGOS STRIP
   ============================================================ */
.partners-strip {
  background: #ffffff;
  padding: 50px 0;
  border-top: 4px solid #006670;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 4px 24px rgba(0,102,112,0.07);
}
.partners-strip-label {
  text-align: center;
  font-size: .82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .15em;
  color: var(--accent);
  margin-bottom: 6px;
}
.partners-strip-title {
  text-align: center;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}
.partners-strip-sub {
  text-align: center;
  font-size: .92rem;
  color: var(--text-light);
  margin-bottom: 32px;
}
.partners-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  align-items: center;
}
.partner-badge {
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 8px 18px;
  font-size: .82rem;
  font-weight: 700;
  color: var(--text-med);
  letter-spacing: .02em;
  white-space: nowrap;
}
.partner-logo-item {
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 12px;
  padding: 14px 22px;
  box-shadow: 0 2px 10px rgba(0,102,112,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: box-shadow .25s, transform .25s, border-color .25s;
}
.partner-logo-item:hover {
  box-shadow: 0 6px 24px rgba(0,102,112,0.15);
  transform: translateY(-4px);
  border-color: var(--primary);
}
.partner-logo-item img {
  height: 48px;
  width: auto;
  max-width: 145px;
  object-fit: contain;
}

/* ============================================================
   SERVICE CARDS
   ============================================================ */
.services-grid {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr;
}
.service-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 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(--primary), var(--sky));
  transform: scaleX(0);
  transition: transform var(--transition);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover { box-shadow: var(--shadow-lg); border-color: var(--primary-light); transform: translateY(-3px); }
.service-icon {
  width: 56px; height: 56px;
  background: var(--primary-bg);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 16px;
}
.service-card h3 { color: var(--primary); margin-bottom: 8px; }
.service-card p  { margin-bottom: 16px; }
.service-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 20px; }
.tag {
  background: var(--primary-bg);
  color: var(--primary-light);
  font-size: .75rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 99px;
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-us { background: var(--primary-bg); }
.why-grid { display: grid; gap: 20px; }
.why-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
.why-card:hover { box-shadow: var(--shadow); }
.why-icon {
  width: 48px; height: 48px;
  background: var(--primary-bg);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.why-card h4 { color: var(--primary); margin-bottom: 4px; }
.why-card p  { font-size: .88rem; }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  padding: 48px 0;
}
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.stat-item { text-align: center; }
.stat-item .num { font-size: 2.2rem; font-weight: 800; color: #fbbf24; display: block; }
.stat-item .lbl { font-size: .85rem; color: rgba(255,255,255,.85); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { background: var(--bg-light); }
.testimonials-grid { display: grid; gap: 20px; }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  border-left: 4px solid var(--primary-light);
}
.stars { color: #f59e0b; font-size: 1rem; margin-bottom: 10px; }
.testimonial-card p { font-style: italic; margin-bottom: 16px; font-size: .92rem; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar {
  width: 42px; height: 42px;
  background: var(--primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: .9rem;
}
.reviewer-name { font-weight: 600; font-size: .9rem; color: var(--text-dark); }
.reviewer-loc  { font-size: .78rem; color: var(--text-light); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, #032d32, #006670);
  color: var(--white);
  padding: 64px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 12px; }
.cta-banner p  { color: rgba(255,255,255,.8); margin-bottom: 28px; font-size: 1.05rem; }
.cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: #021e21;
  color: rgba(255,255,255,.8);
  padding-top: 56px;
}
.footer-grid { display: grid; gap: 36px; }
.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-sub  { color: rgba(255,255,255,.5); }
.footer-brand p { font-size: .88rem; margin-top: 14px; line-height: 1.7; color: rgba(255,255,255,.65); }
.footer-contact-list { margin-top: 14px; display: flex; flex-direction: column; gap: 10px; }
.footer-contact-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .88rem; color: rgba(255,255,255,.7);
}
.footer-contact-list .icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }
.footer-col h4 {
  color: var(--white);
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: .88rem; color: rgba(255,255,255,.65); transition: color var(--transition); }
.footer-links a:hover { color: var(--white); }
.footer-partner-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.footer-partner-badge {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 5px 12px;
  font-size: .75rem;
  font-weight: 600;
  color: rgba(255,255,255,.7);
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px 0;
  margin-top: 40px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: center;
  text-align: center;
  font-size: .8rem;
  color: rgba(255,255,255,.45);
}
.footer-bottom a { color: rgba(255,255,255,.6); }
.footer-bottom a:hover { color: var(--white); }
.footer-bottom-links { display: flex; gap: 16px; flex-wrap: wrap; justify-content: center; }
.irdai-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 99px;
  padding: 4px 12px;
  font-size: .75rem;
  color: rgba(255,255,255,.65);
  margin-top: 8px;
}

/* ============================================================
   WHATSAPP FLOATING BUTTON
   ============================================================ */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 20px;
  z-index: 999;
  width: 56px;
  height: 56px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,.45);
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
}
.whatsapp-float:hover { transform: scale(1.1); box-shadow: 0 6px 20px rgba(37,211,102,.6); }
.whatsapp-float svg { width: 30px; height: 30px; fill: white; }
.whatsapp-tooltip {
  position: absolute;
  right: 64px;
  background: var(--text-dark);
  color: var(--white);
  font-size: .78rem;
  font-weight: 600;
  white-space: nowrap;
  padding: 6px 12px;
  border-radius: var(--radius);
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}
.whatsapp-float:hover .whatsapp-tooltip { opacity: 1; }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, #032d32 0%, #006670 100%);
  color: var(--white);
  padding: 56px 0 52px;
  text-align: center;
}
.page-hero .container {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.page-hero h1 {
  color: var(--white);
  margin-bottom: 12px;
  text-align: center;
  max-width: 680px;
}
.page-hero p {
  color: rgba(255,255,255,.85);
  font-size: 1.05rem;
  max-width: 560px;
  text-align: center;
  margin: 0 auto;
}

/* Breadcrumb */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .8rem;
  color: rgba(255,255,255,.6);
  justify-content: center;
  margin-bottom: 16px;
  flex-wrap: wrap;
  text-align: center;
}
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb .sep { opacity: .5; }

/* ============================================================
   FEATURE LIST
   ============================================================ */
.feature-list { display: flex; flex-direction: column; gap: 10px; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .92rem;
  color: var(--text-med);
}
.feature-item .check {
  width: 20px; height: 20px;
  background: var(--success);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: .7rem;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ============================================================
   INFO CARDS (Plans, steps, etc.)
   ============================================================ */
.info-grid { display: grid; gap: 20px; }
.info-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: all var(--transition);
}
.info-card:hover { border-color: var(--primary-light); box-shadow: var(--shadow); }
.info-card-icon { font-size: 2rem; margin-bottom: 12px; }
.info-card h3 { color: var(--primary); margin-bottom: 8px; }
.info-card p  { font-size: .9rem; }

/* Step cards */
.steps-grid { display: grid; gap: 20px; counter-reset: step; }
.step-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  display: flex;
  gap: 16px;
  counter-increment: step;
}
.step-num {
  width: 40px; height: 40px;
  background: var(--primary);
  color: var(--white);
  font-weight: 800;
  font-size: 1rem;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.step-card h4 { color: var(--primary); margin-bottom: 4px; }
.step-card p  { font-size: .9rem; }

/* ============================================================
   PARTNER DETAIL CARDS
   ============================================================ */
.partner-cards-grid { display: grid; gap: 24px; }
.partner-detail-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.partner-detail-card .btn { margin-top: auto; }
.partner-detail-card:hover { box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.partner-logo-box {
  background: var(--primary-bg);
  border-radius: var(--radius);
  padding: 12px 20px;
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary);
  display: inline-block;
  margin-bottom: 14px;
}
.partner-detail-card h3 { color: var(--primary); margin-bottom: 8px; }
.partner-detail-card p  { margin-bottom: 14px; font-size: .9rem; }

/* ============================================================
   FORM STYLES
   ============================================================ */
.form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 32px 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.form-group label .req { color: var(--accent); }
.form-control {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: .95rem;
  color: var(--text-dark);
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.form-control:focus {
  outline: none;
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(10,157,170,.12);
}
.form-row { display: grid; gap: 16px; }
.form-submit {
  width: 100%;
  padding: 14px;
  background: var(--accent);
  color: var(--white);
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
  margin-top: 4px;
}
.form-submit:hover { background: var(--accent-hover); transform: translateY(-1px); }
.form-note { font-size: .78rem; color: var(--text-light); text-align: center; margin-top: 10px; }

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: none;
  border: none;
  text-align: left;
  font-size: .95rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--primary); }
.faq-item.open .faq-question { color: var(--primary); }
.faq-icon {
  width: 24px; height: 24px;
  background: var(--primary-bg);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(180deg); background: var(--primary); color: var(--white); }
.faq-answer {
  display: none;
  padding: 0 20px 16px;
  font-size: .9rem;
  color: var(--text-med);
  line-height: 1.7;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.faq-item.open .faq-answer { display: block; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-info-cards { display: grid; gap: 16px; }
.contact-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  transition: box-shadow var(--transition);
}
.contact-card:hover { box-shadow: var(--shadow); }
.contact-icon {
  width: 44px; height: 44px;
  background: var(--primary-bg);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-card h4 { color: var(--primary); margin-bottom: 4px; font-size: .9rem; }
.contact-card p, .contact-card a { font-size: .9rem; color: var(--text-med); }
.contact-card a:hover { color: var(--primary); }
.map-wrapper { border-radius: var(--radius-lg); overflow: hidden; border: 1.5px solid var(--border); }
.map-wrapper iframe { display: block; width: 100%; height: 260px; }

/* ============================================================
   CLAIMS HELPLINES
   ============================================================ */
.helpline-grid { display: grid; gap: 16px; }
.helpline-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.helpline-logo {
  background: var(--primary-bg);
  color: var(--primary);
  font-weight: 800;
  font-size: .82rem;
  padding: 8px 14px;
  border-radius: var(--radius);
  min-width: 110px;
  text-align: center;
  flex-shrink: 0;
}
.helpline-info h4 { font-size: .9rem; color: var(--text-dark); margin-bottom: 2px; }
.helpline-info a { font-size: .95rem; font-weight: 700; color: var(--primary); }

/* ============================================================
   ALERT / NOTICE BOX
   ============================================================ */
.notice-box {
  background: var(--primary-bg);
  border: 1px solid #99f6e4;
  border-radius: var(--radius-lg);
  padding: 16px 20px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: .9rem;
  color: var(--primary);
}
.notice-box .icon { font-size: 1.2rem; flex-shrink: 0; }

/* ============================================================
   PRIVACY PAGE
   ============================================================ */
.prose h2 { color: var(--primary); margin: 32px 0 12px; font-size: 1.3rem; }
.prose h3 { color: var(--text-dark); margin: 20px 0 8px; }
.prose p  { margin-bottom: 14px; font-size: .93rem; line-height: 1.75; }
.prose ul { margin: 10px 0 16px 20px; list-style: disc; }
.prose ul li { font-size: .93rem; color: var(--text-med); margin-bottom: 6px; }

/* ============================================================
   RESPONSIVE — TABLET (min-width: 640px)
   ============================================================ */
@media (min-width: 640px) {
  .services-grid  { grid-template-columns: repeat(2, 1fr); }
  .why-grid       { grid-template-columns: repeat(2, 1fr); }
  .stats-grid     { grid-template-columns: repeat(4, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .info-grid      { grid-template-columns: repeat(2, 1fr); }
  .steps-grid     { grid-template-columns: repeat(2, 1fr); }
  .partner-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-info-cards { grid-template-columns: repeat(2, 1fr); }
  .helpline-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-grid    { grid-template-columns: repeat(2, 1fr); }
  .form-row       { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================================
   RESPONSIVE — DESKTOP (min-width: 1024px)
   ============================================================ */
@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .nav-call  { display: flex; }
  .nav-toggle { display: none; }

  .hero-grid { grid-template-columns: 1fr 1fr; align-items: center; }
  .hero-visual { display: block; }
  .hero-stats { grid-template-columns: repeat(4, 1fr); }

  .services-grid  { grid-template-columns: repeat(3, 1fr); }
  .why-grid       { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(3, 1fr); }
  .info-grid      { grid-template-columns: repeat(3, 1fr); }
  .steps-grid     { grid-template-columns: repeat(3, 1fr); }
  .partner-cards-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid    { grid-template-columns: 2fr 1fr 1fr 1fr; }
  .footer-bottom  { flex-direction: row; justify-content: space-between; text-align: left; }

  .contact-page-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 40px; align-items: start; }
  .page-hero { text-align: left; }
  .page-hero .breadcrumb { justify-content: flex-start; }

  .map-wrapper iframe { height: 320px; }
}

/* ============================================================
   ICON STATS GRID  (Option 2 — Numbers with Icons)
   ============================================================ */
.icon-stats-section { background: var(--white); }
.icon-stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.icon-stat-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 16px;
  text-align: center;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.icon-stat-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--sky));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.icon-stat-card:hover::after { transform: scaleX(1); }
.icon-stat-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--primary-light);
  transform: translateY(-2px);
}
.icon-stat-emoji { font-size: 2rem; display: block; margin-bottom: 8px; }
.icon-stat-number {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--primary);
  display: block;
  line-height: 1;
  margin-bottom: 5px;
}
.icon-stat-number span { color: var(--accent); }
.icon-stat-label {
  font-size: .84rem;
  font-weight: 700;
  color: var(--text-dark);
  display: block;
  margin-bottom: 3px;
}
.icon-stat-sub {
  font-size: .74rem;
  color: var(--text-light);
  line-height: 1.4;
}

/* ============================================================
   ICON FEATURES GRID  (Option 1 — Visual Icon Cards)
   ============================================================ */
.icon-features-section { background: var(--bg-light); }
.icon-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.icon-feature-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 16px;
  text-align: center;
  transition: all var(--transition);
}
.icon-feature-card:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.feature-icon-box {
  width: 56px; height: 56px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin: 0 auto 12px;
  transition: transform var(--transition);
}
.icon-feature-card:hover .feature-icon-box { transform: scale(1.1); }
.icon-feature-card h4 {
  font-size: .9rem;
  color: var(--primary);
  margin-bottom: 5px;
  font-weight: 700;
}
.icon-feature-card p {
  font-size: .8rem;
  color: var(--text-light);
  line-height: 1.5;
}

/* Icon background colour palette */
.bg-blue    { background: #dbeafe; }
.bg-green   { background: #dcfce7; }
.bg-orange  { background: #ffedd5; }
.bg-purple  { background: #ede9fe; }
.bg-red     { background: #fee2e2; }
.bg-teal    { background: #ccfbf1; }
.bg-yellow  { background: #fef9c3; }
.bg-pink    { background: #fce7f3; }
.bg-sky     { background: #e0f2fe; }
.bg-lime    { background: #ecfccb; }
.bg-indigo  { background: #e0e7ff; }
.bg-amber   { background: #fef3c7; }

/* ============================================================
   ACHIEVEMENT BADGE STRIP
   ============================================================ */
.achievement-strip {
  background: linear-gradient(135deg, var(--primary-bg), #ccfbf1);
  border-top: 1px solid #99f6e4;
  border-bottom: 1px solid #99f6e4;
  padding: 28px 0;
}
.achievement-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
  align-items: center;
}
.achievement-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--white);
  border: 1.5px solid #99f6e4;
  border-radius: 99px;
  padding: 8px 16px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
  white-space: nowrap;
  transition: all var(--transition);
}
.achievement-badge:hover { box-shadow: var(--shadow); border-color: var(--primary-light); }
.achievement-badge .ab-num { color: var(--accent); font-weight: 800; font-size: .9rem; }

/* ============================================================
   HIGHLIGHT BOX  (coloured info callout)
   ============================================================ */
.highlight-box {
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.highlight-box.blue   { background: #f0fdfe; border: 1px solid #99f6e4; color: var(--primary); }
.highlight-box.green  { background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; }
.highlight-box.orange { background: #fff7ed; border: 1px solid #fed7aa; color: #9a3412; }
.highlight-box .hb-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.highlight-box h4 { font-size: .95rem; font-weight: 700; margin-bottom: 4px; }
.highlight-box p  { font-size: .88rem; line-height: 1.6; opacity: .9; }

/* ============================================================
   RESPONSIVE — new grids
   ============================================================ */
@media (min-width: 540px) {
  .icon-stats-grid    { grid-template-columns: repeat(3, 1fr); }
  .icon-features-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 1024px) {
  .icon-stats-grid    { grid-template-columns: repeat(6, 1fr); }
  .icon-features-grid { grid-template-columns: repeat(6, 1fr); }
}

/* ============================================================
   ADD-ON COVERS GRID — 5 per row on desktop
   ============================================================ */
.addon-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.icon-feature-card h3 {
  font-size: .9rem;
  color: var(--primary);
  margin-bottom: 5px;
  font-weight: 700;
  line-height: 1.3;
}
@media (min-width: 540px) {
  .addon-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 900px) {
  .addon-grid { grid-template-columns: repeat(5, 1fr); }
}