*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:   #0d2340;
  --blue:   #1a4480;
  --accent: #c8973a;
  --gold:   #e8b04b;
  --light:  #f4f7fc;
  --white:  #ffffff;
  --gray:   #6b7280;
  --dark:   #1c2636;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(13,35,64,.10);
  --shadow-lg: 0 12px 48px rgba(13,35,64,.18);
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--dark); background: var(--white); overflow-x: hidden; }

/* ── NAV ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(13,35,64,.96); backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(200,151,58,.25); transition: background .3s;
}
.nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px; height: 70px;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.nav-logo-icon { width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; }
.nav-logo-icon img { width: 100%; height: 100%; object-fit: contain; }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.nav-logo-name { font-size: 15px; font-weight: 700; color: var(--white); letter-spacing: .3px; }
.nav-logo-sub  { font-size: 11px; color: var(--gold); font-weight: 500; letter-spacing: .8px; text-transform: uppercase; }

.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { color: rgba(255,255,255,.8); text-decoration: none; font-size: 14px; font-weight: 500; transition: color .2s; }
.nav-links a:hover { color: var(--gold); }

.nav-dropdown-wrap { position: relative; }
.nav-dropdown-wrap > a::after {
  content: ' ▾'; font-size: 11px; opacity: .7;
  transition: transform .2s; display: inline-block;
}
.nav-dropdown-wrap:hover > a::after { transform: rotate(180deg); }
.nav-dropdown {
  display: none; position: absolute; top: 100%; left: -16px;
  padding-top: 16px; min-width: 220px; z-index: 100;
}
.nav-dropdown-wrap:hover .nav-dropdown { display: block; }
.nav-dropdown-inner {
  background: var(--navy); border-radius: 12px;
  box-shadow: 0 16px 48px rgba(13,35,64,.35);
  border: 1px solid rgba(255,255,255,.08); overflow: hidden;
}
.nav-dropdown a {
  display: block; padding: 11px 20px; font-size: 14px; color: rgba(255,255,255,.8) !important;
  transition: background .15s, color .15s !important; border-bottom: 1px solid rgba(255,255,255,.05);
}
.nav-dropdown a:last-child { border-bottom: none; }
.nav-dropdown a:hover { background: rgba(255,255,255,.08); color: var(--gold) !important; }

.nav-cta {
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--navy) !important; padding: 9px 20px; border-radius: 8px;
  font-weight: 700 !important; transition: transform .2s, box-shadow .2s !important;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 4px 16px rgba(200,151,58,.4); }
.nav-quote {
  background: transparent; color: var(--white) !important;
  border: 1.5px solid rgba(255,255,255,.45); padding: 8px 18px;
  border-radius: 8px; font-weight: 600 !important; font-size: 14px;
  transition: background .2s, border-color .2s !important;
}
.nav-quote:hover { background: rgba(255,255,255,.12) !important; border-color: rgba(255,255,255,.7) !important; }

@keyframes nav-shake {
  0%, 85%, 100% { transform: translateX(0) rotate(0); }
  88%  { transform: translateX(-3px) rotate(-.6deg); }
  91%  { transform: translateX(3px)  rotate(.6deg); }
  94%  { transform: translateX(-2px) rotate(-.3deg); }
  97%  { transform: translateX(2px)  rotate(.3deg); }
}
.nav-quote { animation: nav-shake 5s ease infinite; }
.nav-cta   { animation: nav-shake 5s ease infinite; animation-delay: 2.5s; }
.nav-quote:hover, .nav-cta:hover { animation-play-state: paused; }

.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: .3s; }

/* ── BUTTONS ── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 10px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--navy); font-weight: 700; font-size: 16px; padding: 16px 32px;
  border-radius: var(--radius); text-decoration: none; border: none; cursor: pointer;
  transition: transform .2s, box-shadow .2s; box-shadow: 0 4px 20px rgba(200,151,58,.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(200,151,58,.5); }
.btn-secondary {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.12); color: var(--white); font-weight: 600; font-size: 16px;
  padding: 16px 32px; border-radius: var(--radius); text-decoration: none;
  border: 1.5px solid rgba(255,255,255,.35); cursor: pointer;
  transition: background .2s, border-color .2s, transform .2s;
}
.btn-secondary:hover { background: rgba(255,255,255,.22); border-color: rgba(255,255,255,.6); transform: translateY(-2px); }
.btn-dark {
  display: inline-flex; align-items: center; gap: 10px; background: var(--navy);
  color: var(--white); font-weight: 700; font-size: 16px; padding: 16px 32px;
  border-radius: var(--radius); text-decoration: none; border: none; cursor: pointer;
  transition: transform .2s, background .2s;
}
.btn-dark:hover { transform: translateY(-2px); background: var(--dark); }
.btn-outline-dark {
  display: inline-flex; align-items: center; gap: 10px; background: transparent;
  color: var(--navy); font-weight: 700; font-size: 16px; padding: 16px 32px;
  border-radius: var(--radius); text-decoration: none; border: 2px solid var(--navy); cursor: pointer;
  transition: background .2s, transform .2s;
}
.btn-outline-dark:hover { background: rgba(13,35,64,.1); transform: translateY(-2px); }

/* ── SECTION COMMONS ── */
section { padding: 96px 24px; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-label {
  display: inline-flex; align-items: center; gap: 8px; font-size: 12px;
  font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--accent); margin-bottom: 14px;
}
.section-label::before { content: ''; display: block; width: 28px; height: 2px; background: var(--accent); border-radius: 2px; }
.section-title {
  font-family: 'Cormorant Garamond', serif; font-size: clamp(34px, 5vw, 54px);
  font-weight: 700; color: var(--navy); line-height: 1.18; margin-bottom: 16px;
}
.section-subtitle { font-size: 17px; color: var(--gray); line-height: 1.7; max-width: 580px; }
.section-header { margin-bottom: 56px; }

/* ── INSURANCE PAGE ── */
.page-hero {
  padding: 140px 24px 80px;
  background: linear-gradient(160deg, rgba(13,35,64,.92) 0%, rgba(26,68,128,.80) 60%, rgba(13,35,64,.88) 100%),
    url('https://images.unsplash.com/photo-1570129477492-45c003edd2be?w=1600&q=80') center/cover no-repeat;
}
.page-hero-inner { max-width: 800px; margin: 0 auto; }
.page-hero-icon {
  width: 72px; height: 72px; background: linear-gradient(135deg, var(--accent), var(--gold));
  border-radius: 18px; display: flex; align-items: center; justify-content: center;
  font-size: 36px; margin-bottom: 24px;
}
.page-hero h1 {
  font-family: 'Cormorant Garamond', serif; font-size: clamp(36px, 5vw, 60px);
  font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 20px;
}
.page-hero p { font-size: 18px; color: rgba(255,255,255,.82); line-height: 1.7; margin-bottom: 36px; max-width: 620px; }
.page-breadcrumb { font-size: 13px; color: rgba(255,255,255,.5); margin-bottom: 20px; }
.page-breadcrumb a { color: var(--gold); text-decoration: none; }
.page-breadcrumb a:hover { text-decoration: underline; }

.page-content { background: var(--white); }
.page-grid { display: grid; grid-template-columns: 1fr 340px; gap: 56px; align-items: start; }
.page-body h2 {
  font-family: 'Cormorant Garamond', serif; font-size: clamp(26px, 3vw, 38px);
  font-weight: 700; color: var(--navy); margin-bottom: 16px; margin-top: 40px;
}
.page-body h2:first-child { margin-top: 0; }
.page-body p { font-size: 16px; color: var(--gray); line-height: 1.8; margin-bottom: 18px; }
.page-body ul { margin: 0 0 20px 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 10px; }
.page-body ul li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 15px; color: var(--gray); line-height: 1.6;
}
.page-body ul li::before { content: '✓'; color: var(--blue); font-weight: 700; flex-shrink: 0; margin-top: 2px; }
.page-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }
.page-tag {
  background: #e8f0fe; color: var(--blue); font-size: 13px; font-weight: 600;
  padding: 5px 14px; border-radius: 100px;
}

.page-sidebar { position: sticky; top: 90px; }
.sidebar-card {
  background: var(--light); border-radius: 16px; padding: 28px;
  border: 1px solid #e5eaf2; margin-bottom: 20px;
}
.sidebar-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
.sidebar-card .btn-primary { width: 100%; justify-content: center; font-size: 15px; padding: 14px 20px; margin-bottom: 12px; }
.sidebar-tel {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  font-size: 14px; font-weight: 600; color: var(--gray); text-decoration: none;
  padding: 10px; border-radius: 8px; border: 1.5px solid #e5eaf2;
  transition: border-color .2s, color .2s;
}
.sidebar-tel:hover { border-color: var(--blue); color: var(--blue); }
.sidebar-items { display: flex; flex-direction: column; gap: 8px; }
.sidebar-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--gray); }
.sidebar-item::before { content: '✓'; color: var(--blue); font-weight: 700; flex-shrink: 0; }

.related-products { background: var(--light); }
.related-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 16px; }
.related-card {
  background: var(--white); border-radius: var(--radius); padding: 20px;
  border: 1.5px solid #e5eaf2; text-decoration: none; display: flex;
  flex-direction: column; gap: 10px; transition: transform .2s, box-shadow .2s, border-color .2s;
}
.related-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: transparent; }
.related-card-icon { font-size: 28px; }
.related-card-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.related-card-link { font-size: 12px; font-weight: 600; color: var(--blue); margin-top: auto; }

/* ── FOOTER ── */
footer { background: var(--dark); padding: 60px 24px 32px; color: rgba(255,255,255,.65); }
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-top {
  display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.08); margin-bottom: 32px;
}
.footer-brand .nav-logo { margin-bottom: 18px; }
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 320px; }
.footer-col h5 { font-size: 13px; font-weight: 700; color: var(--white); letter-spacing: 1px; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 14px; color: rgba(255,255,255,.55); text-decoration: none; transition: color .2s; }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; }
.footer-bottom p { font-size: 13px; }
.footer-bottom a { color: var(--gold); text-decoration: none; }

/* ── SCROLL ANIMATIONS ── */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .65s ease, transform .65s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .page-grid { grid-template-columns: 1fr; }
  .page-sidebar { position: static; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .nav-links { display: none; }
  .nav-links.mobile-open {
    display: flex; flex-direction: column; position: absolute;
    top: 70px; left: 0; right: 0; background: rgba(13,35,64,.98);
    padding: 20px 24px 28px; gap: 18px; border-bottom: 1px solid rgba(200,151,58,.2);
  }
  .nav-links.mobile-open .nav-cta { text-align: center; }
  .nav-hamburger { display: flex; }
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  section { padding: 64px 20px; }
}