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

html {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
  -webkit-text-size-adjust: 100%;
  -ms-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

:root {
  --primary-dark: #0a1e3e;
  --primary-blue: #0052cc;
  --light-blue: #4a90e2;
  --accent-blue: #1e40af;
  --white: #ffffff;
  --text-dark: #1a1a1a;
  --text-gray: #666666;
  --light-gray: #f5f7fa;
  --border-gray: #e0e0e0;
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.08);
  --shadow-md: 0 4px 16px rgba(0, 0, 0, 0.12);
  --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.15);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --transition: all 0.3s ease;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-dark);
  line-height: 1.6;
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
  background: var(--white);
}

/* HEADER */
header {
  background-color: var(--primary-dark);
  color: var(--white);
  padding: 0.85rem 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: sticky;
  top: 0;
  z-index: 100;
  width: 100%;
  max-width: 100%;
  overflow: visible;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.15);
  height: auto;
  min-height: 56px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.logo img {
  height: 40px;
  width: auto;
}

.logo span {
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: 1px;
  white-space: nowrap;
}

nav {
  display: flex;
  gap: 2rem;
  align-items: center;
  height: auto;
}

nav a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  transition: color var(--transition);
  position: relative;
  padding: 0;
  display: inline-flex;
  align-items: center;
}

nav a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--light-blue);
  transition: width var(--transition);
}

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

nav a:hover::after {
  width: 100%;
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 36px;
  height: 36px;
  cursor: pointer;
  z-index: 1001;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 6px;
  padding: 0;
  gap: 5px;
  flex-shrink: 0;
  transition: var(--transition);
}

.mobile-menu-toggle:hover {
  background: rgba(255, 255, 255, 0.2);
}

.mobile-menu-toggle span {
  display: block;
  width: 20px;
  height: 2.5px;
  background-color: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.mobile-menu-toggle.active {
  background: rgba(255, 255, 255, 0.15);
}

.mobile-menu-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(2.5px, 2.5px);
}

.mobile-menu-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-menu-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(2.5px, -2.5px);
}

/* Dropdown */
.dropdown {
  position: relative;
  display: inline-block;
}

.dropdown-btn {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  transition: color var(--transition);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0;
  background: none;
  border: none;
}

.dropdown-btn::after {
  display: none !important;
}

.dropdown-btn:hover {
  color: var(--white);
}

.dropdown-content {
  display: none;
  position: absolute;
  background-color: var(--white);
  min-width: 210px;
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius-md);
  z-index: 1001;
  top: 100%;
  left: 0;
  margin: 0;
  padding: 0.5rem;
  padding-top: 10px;
  border: 1px solid var(--border-gray);
  will-change: opacity;
}

/* Hover bridge: invisible hit area covering the gap between the button and dropdown */
.dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  height: 10px;
  z-index: 1001;
  pointer-events: none;
}
.dropdown:hover::after {
  pointer-events: auto;
}

.dropdown-content::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 20px;
  width: 10px;
  height: 10px;
  background: var(--white);
  border-left: 1px solid var(--border-gray);
  border-top: 1px solid var(--border-gray);
  transform: rotate(45deg);
}

.dropdown-content a {
  color: var(--text-dark);
  padding: 0.65rem 1rem;
  text-decoration: none;
  display: block;
  font-size: 0.9rem;
  border-radius: var(--radius-sm);
  transition: background-color 0.2s ease, color 0.2s ease;
}

.dropdown-content a:hover {
  background-color: var(--light-blue);
  color: var(--white);
}

.dropdown-content a::after {
  display: none;
}

.dropdown:hover .dropdown-content {
  display: block;
  animation: fadeInDropdown 0.2s ease;
}

@keyframes fadeInDropdown {
  from { 
    opacity: 0; 
    transform: translateY(-4px);
  }
  to { 
    opacity: 1; 
    transform: translateY(0);
  }
}

.dropdown-arrow {
  font-size: 0.6rem;
  transition: transform 0.3s ease;
  display: inline-block;
}

.dropdown:hover .dropdown-arrow {
  transform: rotate(180deg);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-shrink: 0;
}

.header-cta {
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  padding: 0.6rem 1.4rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.85rem;
  transition: box-shadow 0.3s ease;
  white-space: nowrap;
  box-shadow: 0 2px 8px rgba(0, 82, 204, 0.3);
  display: inline-block;
  border: none;
  cursor: pointer;
}

.header-cta:hover {
  box-shadow: 0 4px 16px rgba(0, 82, 204, 0.4);
}

.phone {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.8);
  white-space: nowrap;
}

/* HERO SECTION */
.hero {
  position: relative;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  width: 100%;
  min-height: calc(100vh - 5.5rem);
  overflow-x: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(135deg, rgba(10, 30, 62, 0.92) 0%, rgba(26, 58, 82, 0.85) 100%);
  z-index: 1;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(circle at 70% 30%, rgba(74, 144, 226, 0.15) 0%, transparent 60%);
  z-index: 1;
  pointer-events: none;
}

.hero-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 2rem;
  z-index: 2;
  align-items: start;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(74, 144, 226, 0.2);
  border: 1px solid rgba(74, 144, 226, 0.3);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  color: var(--light-blue);
  font-weight: 500;
  width: fit-content;
}

.hero-content h1 {
  font-size: 3.2rem;
  font-weight: 800;
  line-height: 1.15;
  color: var(--white);
  margin: 0;
}

.hero-content h1 .highlight {
  background: linear-gradient(135deg, var(--light-blue), #7bb3ff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-content > p {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.6;
  max-width: 520px;
  margin: 0;
}

.hero-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 0.5rem;
}

.feature-item {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  padding: 0.85rem;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.08);
  transition: var(--transition);
}

.feature-item:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-2px);
}

.feature-icon {
  width: 38px;
  height: 38px;
  min-width: 38px;
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(0, 82, 204, 0.3);
}

.feature-item h3 {
  font-size: 0.9rem;
  color: var(--white);
  font-weight: 600;
  margin: 0 0 0.15rem;
}

.feature-item p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
  margin: 0;
  line-height: 1.4;
}

/* IFRAME CONTAINER */
.iframe-container {
  width: 100%;
  border-radius: 12px;
  overflow: visible;
  position: relative;
}

.iframe-container iframe {
  width: 100%;
  border: none;
  border-radius: 12px;
  background: white;
  /* 780px — enough to show all form content without an internal scrollbar */
  height: 780px;
  display: block;
  pointer-events: auto;
  z-index: 1;
  position: relative;
}

/* QUOTE FORM */
.quote-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 100%;
  justify-self: stretch;
  /* height grows with iframe */
}

.quote-form h3 {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.1rem;
  color: var(--text-dark);
  margin-bottom: 0.35rem;
}

.quote-form h3 span {
  background: linear-gradient(135deg, #10b981, #059669);
  color: var(--white);
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
}

.quote-form > p {
  color: var(--text-gray);
  font-size: 0.85rem;
  margin-bottom: 1.25rem;
}

.form-group {
  margin-bottom: 0.85rem;
}

.form-group label {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 0.8rem;
  color: var(--text-gray);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 0.7rem 0.85rem;
  border: 2px solid var(--border-gray);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-family: inherit;
  transition: var(--transition);
  background: var(--light-gray);
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary-blue);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(74, 144, 226, 0.1);
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: var(--text-gray);
  margin: 0.85rem 0;
}

.form-checkbox input[type="checkbox"] {
  width: auto;
  margin-top: 0.15rem;
  accent-color: var(--primary-blue);
}

.submit-btn {
  width: 100%;
  padding: 0.85rem;
  background: linear-gradient(135deg, var(--primary-blue), var(--accent-blue));
  color: var(--white);
  border: none;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 12px rgba(0, 82, 204, 0.3);
}

.submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 82, 204, 0.4);
}

/* STATS SECTION */
.stats {
  background: var(--primary-dark);
  padding: 2.5rem 2rem;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 2rem;
  text-align: center;
  width: 100%;
}

.stat-item {
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: -1rem;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 40px;
  background: rgba(255, 255, 255, 0.1);
}

.stat-item h4 {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.25rem;
  letter-spacing: 1px;
}

.stat-item p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* INSURANCE TYPES */
.insurance-types {
  padding: 5rem 2rem;
  background: var(--light-gray);
  width: 100%;
}

.insurance-types h2 {
  text-align: center;
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
  color: var(--text-dark);
}

.insurance-types > p {
  text-align: center;
  color: var(--text-gray);
  font-size: 1.05rem;
  margin-bottom: 3rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  padding: 0 1rem;
}

.insurance-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  text-align: center;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-gray);
  position: relative;
  overflow: hidden;
}

.insurance-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary-blue), var(--light-blue));
  transform: scaleX(0);
  transition: var(--transition);
}

.insurance-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
}

.insurance-card:hover::before {
  transform: scaleX(1);
}

.insurance-card-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--light-blue), var(--primary-blue));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.6rem;
  box-shadow: 0 4px 12px rgba(74, 144, 226, 0.25);
}

.insurance-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
}

.insurance-card p {
  color: var(--text-gray);
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
  line-height: 1.6;
}

.card-link {
  color: var(--primary-blue);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

.card-link:hover {
  color: var(--accent-blue);
  gap: 0.5rem;
}

/* WHY CHOOSE */
.why-choose {
  padding: 5rem 2rem;
  background: var(--white);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.why-choose-content h2 {
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 2rem;
  color: var(--text-dark);
}

.why-choose-item {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.25rem;
  padding: 1rem;
  background: var(--light-gray);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.why-choose-item:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow-sm);
}

.why-choose-icon {
  width: 28px;
  height: 28px;
  min-width: 28px;
  background: linear-gradient(135deg, #10b981, #059669);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--white);
  font-size: 0.75rem;
  font-weight: bold;
  margin-top: 0.15rem;
}

.why-choose-item p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.6;
}

.why-choose-item strong {
  color: var(--text-dark);
}

.why-choose-cta {
  background: linear-gradient(135deg, var(--primary-blue), var(--light-blue));
  color: var(--white);
  padding: 0.9rem 2rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  font-weight: 600;
  display: inline-block;
  margin-top: 1.5rem;
  transition: var(--transition);
  box-shadow: 0 4px 12px rgba(0, 82, 204, 0.3);
}

.why-choose-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 82, 204, 0.4);
}

.why-choose-image {
  text-align: center;
}

/* PARTNER LOGO TICKER */
.partner-ticker {
  background: linear-gradient(180deg, rgba(10, 30, 62, 0.95), rgba(16, 47, 86, 0.96));
  padding: 2.5rem 0 3rem;
  margin-top: 0;
}
.ticker {
  width: 100%;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 24px;
  padding: 1rem 0.5rem;
  box-shadow: 0 25px 80px rgba(0, 18, 54, 0.12);
}
.ticker-track {
  display: flex;
  gap: 2.5rem;
  align-items: center;
  animation: marquee 26s linear infinite;
}
.ticker-item {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 170px;
}
.ticker-item img {
  max-height: 72px;
  width: auto;
  opacity: 0.95;
  filter: grayscale(0.05) contrast(0.92);
  transition: transform 0.25s ease, filter 0.25s ease, opacity 0.25s ease;
}
.ticker-item:hover img,
.ticker-item:focus img {
  filter: none;
  transform: scale(1.05);
  opacity: 1;
}
.ticker:hover .ticker-track,
.ticker.paused .ticker-track {
  animation-play-state: paused;
}

@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* Responsive adjustments */
@media (max-width: 900px) {
  .ticker-item { min-width: 140px; }
  .ticker-item img { max-height: 52px; }
}

/* Heading and inner wrapper for ticker */
.partner-ticker-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
  text-align: center;
}
.partner-ticker-heading {
  font-size: 1.45rem;
  font-weight: 800;
  margin: 0;
  color: #ffffff;
}
.partner-ticker-subtitle {
  margin: 0.6rem auto 1.2rem;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1rem;
  max-width: 700px;
}

.ticker-item { min-width: 160px; }


.why-choose-image img {
  max-width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

/* TESTIMONIALS */
.testimonials {
  padding: 5rem 2rem;
  background: var(--light-gray);
}

.testimonials h2 {
  text-align: center;
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 3rem;
  color: var(--text-dark);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-gray);
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.stars {
  color: #f59e0b;
  margin-bottom: 1rem;
  font-size: 0.9rem;
  letter-spacing: 2px;
}

.testimonial-text {
  color: var(--text-gray);
  font-style: italic;
  margin-bottom: 1.5rem;
  line-height: 1.7;
  font-size: 0.95rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border-gray);
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--light-blue), var(--primary-blue));
  flex-shrink: 0;
}

.author-info h4 {
  margin: 0;
  font-size: 0.9rem;
  font-weight: 600;
}

.author-info p {
  margin: 0;
  color: var(--text-gray);
  font-size: 0.8rem;
}

/* ABOUT US */
.about-us {
  padding: 5rem 2rem;
  background: var(--white);
}

.about-us-content {
  max-width: 1200px;
  margin: 0 auto;
}

.about-us h2 {
  text-align: center;
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 3rem;
  color: var(--text-dark);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.about-text h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--primary-blue);
}

.about-text p {
  color: var(--text-gray);
  margin-bottom: 1.25rem;
  line-height: 1.7;
}

.about-values h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: var(--primary-blue);
}

.value-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
  padding: 1rem 1.25rem;
  background: var(--light-gray);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.value-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.value-icon {
  font-size: 1.3rem;
  width: 44px;
  height: 44px;
  min-width: 44px;
  background: linear-gradient(135deg, var(--light-blue), var(--primary-blue));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(74, 144, 226, 0.25);
}

.value-item h4 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.2rem;
}

.value-item p {
  color: var(--text-gray);
  font-size: 0.85rem;
  margin: 0;
}

/* CONTACT */
.contact-us {
  padding: 5rem 2rem;
  background: var(--light-gray);
}

.contact-us-content {
  max-width: 1200px;
  margin: 0 auto;
}

.contact-us h2 {
  text-align: center;
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 0.5rem;
  color: var(--text-dark);
}

.contact-subtitle {
  text-align: center;
  color: var(--text-gray);
  font-size: 1.05rem;
  margin-bottom: 3rem;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.contact-info-box,
.contact-form-box {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-gray);
}

.contact-info-box h3,
.contact-form-box h3 {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: var(--primary-blue);
}

.contact-detail {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.contact-icon {
  font-size: 1.2rem;
  width: 40px;
  height: 40px;
  min-width: 40px;
  background: linear-gradient(135deg, var(--light-blue), var(--primary-blue));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail h4 {
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 0.25rem;
}

.contact-detail p {
  color: var(--text-gray);
  font-size: 0.85rem;
  line-height: 1.6;
  margin: 0;
}

.contact-form-box textarea {
  width: 100%;
  padding: 0.75rem;
  border: 2px solid var(--border-gray);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-family: inherit;
  resize: vertical;
  min-height: 100px;
  transition: var(--transition);
  background: var(--light-gray);
}

.contact-form-box textarea:focus {
  outline: none;
  border-color: var(--primary-blue);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(74, 144, 226, 0.1);
}

.send-btn {
  margin-top: 1rem;
}

/* FOOTER */
footer {
  background: var(--primary-dark);
  color: var(--white);
  padding: 4rem 2rem 1.5rem;
  width: 100%;
}

.footer-content {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2.5rem;
  max-width: 1200px;
  margin: 0 auto 3rem;
}

.footer-section h4 {
  margin-bottom: 1.25rem;
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.9);
}

.footer-section ul {
  list-style: none;
}

.footer-section ul li {
  margin-bottom: 0.6rem;
}

.footer-section ul li a {
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-section ul li a:hover {
  color: var(--light-blue);
  padding-left: 4px;
}

.footer-section p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.9rem;
  line-height: 1.7;
}

.contact-info {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
  align-items: center;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.5rem;
  text-align: center;
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.8rem;
}

/* RESPONSIVE */
@media (max-width: 900px) {
  header {
    padding: 0.65rem 1rem;
    overflow: visible;
  }

  .logo img { height: 30px; }
  .logo span { font-size: 0.9rem; }

  .header-actions {
    margin-right: 0.5rem;
    gap: 0.5rem;
  }

  .phone { display: none; }

  .header-cta {
    padding: 0.4rem 0.75rem;
    font-size: 0.7rem;
  }

  .mobile-menu-toggle {
    display: flex !important;
  }

  nav {
    display: none;
    position: fixed;
    top: 56px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--primary-dark);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 1rem 0;
    z-index: 999;
    overflow-y: auto;
  }

  nav.active {
    display: flex;
    animation: slideDown 0.25s ease;
  }

  @keyframes slideDown {
    from { opacity: 0; transform: translateY(-10px); }
    to { opacity: 1; transform: translateY(0); }
  }

  nav a {
    padding: 0.85rem 1.5rem;
    text-align: center;
    font-size: 1rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  }

  nav a::after { display: none; }

  .dropdown {
    width: 100%;
    position: relative;
  }

  .dropdown-btn {
    justify-content: center;
    padding: 0.85rem 1.5rem;
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    font-size: 1rem;
    background: transparent;
  }

  .dropdown-btn::after {
    display: none !important;
  }

  .dropdown-content {
    position: relative;
    display: none;
    width: 100%;
    box-shadow: none;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 0;
    border: none;
    margin: 0;
    top: auto;
    left: auto;
    z-index: auto;
  }

  .dropdown-content::before { 
    display: none; 
  }

  .dropdown-content a {
    color: rgba(255, 255, 255, 0.7);
    padding: 0.7rem 2rem;
    text-align: center;
    border-bottom: 1px solid rgba(255, 255, 255, 0.04);
  }

  .dropdown-content a:hover {
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
  }

  .dropdown.active .dropdown-content {
    display: block;
  }

  .stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
    padding: 2rem 1rem;
  }

  .stat-item:not(:last-child)::after { display: none; }
  .stat-item:nth-child(5) { grid-column: span 2; }

  .hero { min-height: calc(100vh - 5.5rem); }

  .hero-wrapper {
    grid-template-columns: 1fr;
    padding: 2rem 1.25rem 3rem;
    gap: 2rem;
  }

  .hero-content h1 {
    font-size: 2rem;
  }

  .hero-content > p {
    font-size: 0.95rem;
  }

  .hero-features {
    grid-template-columns: 1fr;
  }

  .quote-form {
    max-width: 100%;
    justify-self: stretch;
  }

  .iframe-container iframe {
    height: 1200px;
  }

  .insurance-grid {
    grid-template-columns: 1fr;
    max-width: 450px;
  }

  .why-choose {
    grid-template-columns: 1fr;
    padding: 3rem 1.5rem;
    gap: 2rem;
  }

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

  .about-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

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

  .footer-content {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }
}

@media (max-width: 480px) {
  header {
    padding: 0.5rem 0.75rem;
  }

  .logo img { height: 26px; }
  .logo span { font-size: 0.75rem; }

  .header-cta {
    padding: 0.3rem 0.6rem;
    font-size: 0.6rem;
  }

  .mobile-menu-toggle {
    width: 32px;
    height: 32px;
    min-width: 32px;
    min-height: 32px;
    gap: 4px;
  }

  .mobile-menu-toggle span {
    width: 18px;
    height: 2px;
  }

  .hero-content h1 {
    font-size: 1.6rem;
  }

  .hero-content p {
    font-size: 0.9rem;
  }

  .stats h4 { font-size: 1.4rem; }

  .insurance-types h2,
  .why-choose-content h2,
  .testimonials h2,
  .about-us h2,
  .contact-us h2 {
    font-size: 1.6rem;
  }
}

@media (min-width: 769px) and (max-width: 1024px) {
  .hero-wrapper {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 3rem 2rem;
  }

  .hero-content h1 { font-size: 2.5rem; }
  .quote-form { max-width: 100%; }
}