/* ============================================
   Capital Wise Path — PREMIUM STYLESHEET
   Modern 2026 UI/UX | Glassmorphism | Soft Neon
   ============================================ */

:root {
  --red: #DC2626;
  --red-light: #ef4444;
  --red-dark: #b91c1c;
  --dark: #111827;
  --dark-2: #1f2937;
  --dark-3: #374151;
  --light: #F9FAFB;
  --light-2: #ffffff;
  --gray: #6b7280;
  --gray-light: #e5e7eb;
  --shadow: 0 10px 40px rgba(17, 24, 39, 0.08);
  --shadow-lg: 0 20px 60px rgba(17, 24, 39, 0.12);
  --shadow-red: 0 12px 30px rgba(220, 38, 38, 0.25);
  --radius: 20px;
  --radius-lg: 28px;
  --radius-sm: 12px;
  --gradient: linear-gradient(135deg, #DC2626 0%, #f87171 100%);
  --gradient-dark: linear-gradient(135deg, #111827 0%, #1f2937 100%);
  --transition: all 0.4s cubic-bezier(0.22, 1, 0.36, 1);
}

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

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: 'Montserrat', sans-serif;
  background: var(--light);
  color: var(--dark);
  line-height: 1.65;
  overflow-x: hidden;
  position: relative;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Bebas Neue', sans-serif;
  letter-spacing: 1px;
  line-height: 1.15;
  font-weight: 400;
}

p { color: var(--gray); }

a { text-decoration: none; color: inherit; transition: var(--transition); }

ul { list-style: none; }

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

.container { width: 92%; max-width: 1280px; margin: 0 auto; }

/* ===== Text Gradient ===== */
.text-gradient {
  background: var(--gradient);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.text-gradient-light {
  background: linear-gradient(135deg, #fff 0%, #fca5a5 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ===== Floating Background ===== */
.floating-bg {
  position: fixed; inset: 0; z-index: -1; overflow: hidden; pointer-events: none;
}
.blob {
  position: absolute; border-radius: 50%; filter: blur(80px); opacity: 0.35;
  animation: floatBlob 18s infinite ease-in-out;
}
.blob-1 { width: 420px; height: 420px; background: #DC2626; top: -100px; left: -100px; }
.blob-2 { width: 380px; height: 380px; background: #f87171; top: 40%; right: -120px; animation-delay: -4s; }
.blob-3 { width: 320px; height: 320px; background: #fecaca; bottom: -80px; left: 30%; animation-delay: -8s; }
.blob-4 { width: 280px; height: 280px; background: #DC2626; top: 70%; left: 5%; animation-delay: -12s; opacity: 0.2; }

@keyframes floatBlob {
  0%, 100% { transform: translate(0,0) scale(1); }
  33% { transform: translate(40px, -40px) scale(1.08); }
  66% { transform: translate(-30px, 30px) scale(0.95); }
}

/* ===== Preloader ===== */
.preloader {
  position: fixed; inset: 0; background: var(--dark); z-index: 9999;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 24px;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}
.preloader.hidden { opacity: 0; visibility: hidden; }
.loader-circle {
  width: 60px; height: 60px; border-radius: 50%;
  border: 4px solid rgba(220, 38, 38, 0.2);
  border-top-color: var(--red);
  animation: spin 1s linear infinite;
}
.loader-text {
  font-family: 'Bebas Neue', sans-serif; color: #fff; letter-spacing: 4px; font-size: 18px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ===== Glass Effect ===== */
.glass {
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.6);
  box-shadow: var(--shadow);
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 28px; border-radius: var(--radius); font-weight: 600; font-size: 15px;
  border: none; cursor: pointer; transition: var(--transition); font-family: 'Montserrat', sans-serif;
  position: relative; overflow: hidden; letter-spacing: 0.3px;
}
.btn i { transition: transform 0.3s ease; }
.btn:hover i { transform: translateX(4px); }
.btn-primary {
  background: var(--gradient); color: #fff; box-shadow: var(--shadow-red);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(220, 38, 38, 0.4); }
.btn-ghost { background: transparent; color: var(--dark); border: 2px solid var(--gray-light); }
.btn-ghost:hover { border-color: var(--red); color: var(--red); transform: translateY(-3px); }
.btn-ghost-light { background: rgba(255,255,255,0.1); color: #fff; border: 2px solid rgba(255,255,255,0.3); }
.btn-ghost-light:hover { background: rgba(255,255,255,0.2); transform: translateY(-3px); }
.btn-outline { background: transparent; color: var(--red); border: 2px solid var(--red); }
.btn-outline:hover { background: var(--red); color: #fff; transform: translateY(-3px); }
.btn-lg { padding: 17px 36px; font-size: 16px; }
.btn-block { display: flex; justify-content: center; width: 100%; }

/* ===== Navbar ===== */
.navbar {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
  padding: 18px 0; transition: var(--transition);
  background: rgba(249, 250, 251, 0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid rgba(255,255,255,0.4);
}
.navbar.scrolled { padding: 12px 0; box-shadow: 0 8px 30px rgba(0,0,0,0.06); }
.nav-container { display: flex; align-items: center; justify-content: space-between; }

.logo { display: flex; align-items: center; gap: 12px; font-family: 'Bebas Neue', sans-serif; font-size: 26px; color: var(--dark); letter-spacing: 1.5px; }
.logo-icon {
  width: 44px; height: 44px; border-radius: 14px;
  background: var(--gradient); display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 20px; box-shadow: var(--shadow-red);
}
.logo-text em { color: var(--red); font-style: normal; }

.nav-menu { display: flex; align-items: center; gap: 32px; }
.nav-link { font-weight: 500; font-size: 15px; color: var(--dark); position: relative; }
.nav-link::after {
  content: ''; position: absolute; bottom: -6px; left: 0; width: 0; height: 2px;
  background: var(--gradient); transition: var(--transition);
}
.nav-link:hover::after, .nav-link.active::after { width: 100%; }
.nav-link:hover, .nav-link.active { color: var(--red); }
.nav-cta { color: #fff !important; }
.nav-cta::after { display: none; }

.menu-toggle { display: none; flex-direction: column; gap: 6px; background: none; border: none; cursor: pointer; padding: 8px; }
.menu-toggle span { width: 26px; height: 3px; background: var(--dark); border-radius: 3px; transition: var(--transition); }
.menu-toggle.active span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }

/* ===== Hero ===== */
.hero {
  position: relative; min-height: 100vh; padding: 140px 0 80px;
  background: var(--dark);
  display: flex; align-items: center; overflow: hidden;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 30% 50%, rgba(220, 38, 38, 0.15) 0%, transparent 50%),
              radial-gradient(circle at 70% 30%, rgba(248, 113, 113, 0.1) 0%, transparent 40%);
  pointer-events: none;
}
.hero-container { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; position: relative; z-index: 2; }

.hero-content { color: #fff; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 18px;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50px; color: #fff; font-size: 14px; font-weight: 500; margin-bottom: 24px;
}
.hero-badge i { color: var(--red-light); }

.hero-title {
  font-size: clamp(2.5rem, 5.5vw, 4.8rem); color: #fff; margin-bottom: 24px; line-height: 1.05;
}
.hero-desc { font-size: 17px; color: rgba(255,255,255,0.75); margin-bottom: 36px; max-width: 580px; line-height: 1.75; }

.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }

.hero-stats {
  display: flex; gap: 40px; padding: 24px 32px; border-radius: var(--radius);
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
}
.h-stat h3 { color: #fff; font-size: 32px; margin-bottom: 4px; }
.h-stat p { color: rgba(255,255,255,0.6); font-size: 13px; margin: 0; }

.hero-visual { position: relative; }
.hero-card {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  padding: 14px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
}
.hero-card img { border-radius: var(--radius); width: 100%; height: 480px; object-fit: cover; }
.hero-card-badge {
  position: absolute; padding: 14px 18px; border-radius: 16px;
  display: flex; align-items: center; gap: 12px; background: rgba(255,255,255,0.95);
  box-shadow: var(--shadow-lg); animation: floatY 4s ease-in-out infinite;
}
.hero-card-badge i { font-size: 24px; color: var(--red); }
.hero-card-badge strong { display: block; color: var(--dark); font-size: 18px; font-family: 'Bebas Neue', sans-serif; }
.hero-card-badge span { font-size: 12px; color: var(--gray); }
.hero-card-badge.bottom { bottom: 30px; left: -20px; }
.hero-card-badge:not(.bottom) { top: 40px; right: -20px; }

@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.scroll-down {
  position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%);
  width: 26px; height: 44px; border: 2px solid rgba(255,255,255,0.4); border-radius: 20px;
  display: flex; justify-content: center; padding-top: 8px;
}
.scroll-down span {
  width: 4px; height: 8px; background: #fff; border-radius: 4px;
  animation: scrollDot 2s infinite;
}
@keyframes scrollDot {
  0% { opacity: 0; transform: translateY(-6px); }
  50% { opacity: 1; }
  100% { opacity: 0; transform: translateY(14px); }
}

/* ===== Brands Strip ===== */
.brands-strip { padding: 50px 0; background: var(--light-2); border-top: 1px solid var(--gray-light); border-bottom: 1px solid var(--gray-light); }
.brands-title { text-align: center; color: var(--gray); font-size: 14px; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 24px; }
.brands-row { display: flex; justify-content: center; gap: 50px; flex-wrap: wrap; }
.brands-row span { display: flex; align-items: center; gap: 10px; font-family: 'Bebas Neue', sans-serif; font-size: 20px; color: var(--dark-3); letter-spacing: 1px; }
.brands-row i { color: var(--red); }

/* ===== Section Base ===== */
.section { padding: 100px 0; position: relative; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.eyebrow {
  display: inline-block; padding: 6px 16px; background: rgba(220, 38, 38, 0.1);
  color: var(--red); font-size: 12px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; border-radius: 50px; margin-bottom: 16px;
}
.eyebrow.light { background: rgba(255,255,255,0.15); color: #fff; }
.section-title { font-size: clamp(2rem, 4vw, 3.2rem); color: var(--dark); margin-bottom: 18px; line-height: 1.1; }
.section-sub { font-size: 17px; color: var(--gray); }

/* ===== About ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-visual { position: relative; }
.about-visual img { border-radius: var(--radius-lg); width: 100%; height: 520px; object-fit: cover; box-shadow: var(--shadow-lg); }
.about-experience {
  position: absolute; bottom: -30px; right: -20px; padding: 26px 30px; border-radius: var(--radius);
  background: #fff; box-shadow: var(--shadow-lg); text-align: center;
}
.about-experience h3 { font-size: 48px; color: var(--red); }
.about-experience p { font-size: 14px; margin: 0; color: var(--gray); }

.about-content h3 { font-size: 32px; color: var(--dark); margin-bottom: 16px; }
.about-content > p { margin-bottom: 20px; font-size: 16px; }
.about-pillars { display: grid; gap: 20px; margin: 28px 0; }
.pillar { display: flex; gap: 16px; align-items: flex-start; }
.pillar-icon {
  width: 50px; height: 50px; min-width: 50px; border-radius: 14px;
  background: rgba(220, 38, 38, 0.1); display: flex; align-items: center; justify-content: center;
  color: var(--red); font-size: 20px;
}
.pillar h4 { font-size: 18px; color: var(--dark); margin-bottom: 4px; font-family: 'Montserrat', sans-serif; font-weight: 700; }
.pillar p { font-size: 14px; margin: 0; }

/* ===== Metrics ===== */
.metrics { background: var(--light-2); }
.metrics-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.metric-card {
  padding: 36px 28px; border-radius: var(--radius); text-align: center;
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
  transition: var(--transition);
}
.metric-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.metric-icon {
  width: 60px; height: 60px; margin: 0 auto 18px; border-radius: 16px;
  background: var(--gradient); color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 24px; box-shadow: var(--shadow-red);
}
.metric-card h3 { font-size: 44px; color: var(--dark); margin-bottom: 6px; }
.metric-card p { font-size: 14px; margin: 0; }

/* ===== Features ===== */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  padding: 36px 30px; border-radius: var(--radius); transition: var(--transition);
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
}
.feature-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: rgba(220, 38, 38, 0.3); }
.feature-icon {
  width: 64px; height: 64px; border-radius: 18px; margin-bottom: 22px;
  background: var(--gradient); color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 26px; box-shadow: var(--shadow-red);
}
.feature-card h3 { font-size: 22px; color: var(--dark); margin-bottom: 10px; }
.feature-card p { font-size: 15px; margin: 0; }
.features-cta { text-align: center; margin-top: 50px; }

/* ===== Process ===== */
.process { background: var(--light-2); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.process-step {
  position: relative; padding: 40px 28px; border-radius: var(--radius);
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
  transition: var(--transition);
}
.process-step:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.step-number {
  position: absolute; top: 24px; right: 28px; font-family: 'Bebas Neue', sans-serif;
  font-size: 64px; color: rgba(220, 38, 38, 0.12); line-height: 1;
}
.step-icon {
  width: 60px; height: 60px; border-radius: 16px; margin-bottom: 20px;
  background: rgba(220, 38, 38, 0.1); color: var(--red);
  display: flex; align-items: center; justify-content: center; font-size: 24px;
}
.process-step h3 { font-size: 22px; color: var(--dark); margin-bottom: 10px; }
.process-step p { font-size: 14px; margin: 0; }

/* ===== Services ===== */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.service-card {
  border-radius: var(--radius-lg); overflow: hidden; transition: var(--transition);
  background: rgba(255,255,255,0.75); border: 1px solid rgba(255,255,255,0.8);
  display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.service-img { height: 220px; overflow: hidden; }
.service-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s ease; }
.service-card:hover .service-img img { transform: scale(1.08); }
.service-body { padding: 30px 26px; flex: 1; display: flex; flex-direction: column; }
.service-icon {
  width: 56px; height: 56px; border-radius: 16px; margin-bottom: 18px;
  background: var(--gradient); color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 22px; box-shadow: var(--shadow-red); margin-top: -50px; position: relative;
}
.service-body h3 { font-size: 22px; color: var(--dark); margin-bottom: 10px; }
.service-body p { font-size: 14.5px; margin-bottom: 16px; flex: 1; }
.service-list { margin-bottom: 20px; }
.service-list li { font-size: 14px; color: var(--gray); margin-bottom: 8px; display: flex; align-items: center; gap: 10px; }
.service-list i { color: var(--red); }
.service-link {
  color: var(--red); font-weight: 600; font-size: 14px; display: inline-flex; align-items: center; gap: 8px;
}
.service-link:hover { gap: 14px; }

/* ===== CTA Section ===== */
.cta-section { padding: 80px 0; }
.cta-banner {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  padding: 80px 60px; background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
}
.cta-bg { position: absolute; inset: 0; z-index: -1; }
.cta-bg img { width: 100%; height: 100%; object-fit: cover; }
.cta-banner::before {
  content: ''; position: absolute; inset: 0; background: var(--dark); opacity: 0.88; z-index: 0;
}
.cta-content { position: relative; z-index: 1; text-align: center; max-width: 720px; margin: 0 auto; }
.cta-content .eyebrow { margin-bottom: 20px; }
.cta-content h2 { font-size: clamp(2rem, 4vw, 3.2rem); color: #fff; margin-bottom: 18px; line-height: 1.1; }
.cta-content p { color: rgba(255,255,255,0.8); font-size: 17px; margin-bottom: 32px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== Insurance ===== */
.insurance-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.insurance-content .section-title { text-align: left; }
.insurance-content > p { font-size: 16px; margin-bottom: 24px; }
.insurance-list { margin-bottom: 30px; }
.insurance-list li { padding: 10px 0; color: var(--dark); font-size: 15px; display: flex; align-items: center; gap: 12px; }
.insurance-list i { color: var(--red); font-size: 18px; }
.insurance-visual { position: relative; }
.insurance-visual img { border-radius: var(--radius-lg); width: 100%; height: 500px; object-fit: cover; box-shadow: var(--shadow-lg); }
.insurance-badge {
  position: absolute; top: 30px; left: -20px; padding: 16px 20px; border-radius: 16px;
  display: flex; align-items: center; gap: 12px; background: #fff; box-shadow: var(--shadow-lg);
  animation: floatY 4s ease-in-out infinite;
}
.insurance-badge i { font-size: 24px; color: var(--red); }
.insurance-badge strong { display: block; font-family: 'Bebas Neue', sans-serif; font-size: 20px; color: var(--dark); }
.insurance-badge span { font-size: 12px; color: var(--gray); }

/* ===== Pricing ===== */
.pricing { background: var(--light-2); }
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; align-items: stretch; }
.price-card {
  padding: 40px 32px; border-radius: var(--radius-lg); transition: var(--transition);
  background: rgba(255,255,255,0.75); border: 1px solid rgba(255,255,255,0.8);
  position: relative; display: flex; flex-direction: column;
}
.price-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.price-card.featured { background: var(--dark); border-color: var(--dark); transform: scale(1.04); }
.price-card.featured:hover { transform: scale(1.04) translateY(-8px); }
.price-tag {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--gradient); color: #fff; padding: 6px 20px; border-radius: 50px;
  font-size: 12px; font-weight: 700; letter-spacing: 1px; box-shadow: var(--shadow-red);
}
.price-head { margin-bottom: 20px; }
.price-head h3 { font-size: 28px; color: var(--dark); }
.price-card.featured .price-head h3 { color: #fff; }
.price-head p { font-size: 14px; margin: 0; }
.price-amount { font-family: 'Bebas Neue', sans-serif; font-size: 64px; color: var(--red); margin-bottom: 24px; line-height: 1; }
.price-card.featured .price-amount { color: var(--red-light); }
.price-amount .currency { font-size: 32px; vertical-align: super; }
.price-amount .per { font-size: 18px; color: var(--gray); font-family: 'Montserrat', sans-serif; }
.price-features { margin-bottom: 28px; flex: 1; }
.price-features li { padding: 10px 0; font-size: 14.5px; color: var(--dark); display: flex; align-items: center; gap: 12px; }
.price-card.featured .price-features li { color: rgba(255,255,255,0.9); }
.price-features i { color: var(--red); }
.price-features li.muted { color: var(--gray-light); }
.price-features li.muted i { color: var(--gray-light); }
.price-card.featured .price-features li.muted { color: rgba(255,255,255,0.3); }
.price-card.featured .price-features li.muted i { color: rgba(255,255,255,0.3); }

/* ===== Requirement Form ===== */
.requirement { background: var(--light); }
.form-wrap {
  display: grid; grid-template-columns: 0.9fr 1.4fr; gap: 50px;
  padding: 50px; border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
}
.form-info h2 { font-size: 32px; color: var(--dark); margin: 12px 0 16px; }
.form-info p { font-size: 15px; margin-bottom: 24px; }
.form-perks { margin-bottom: 28px; }
.form-perks li { padding: 8px 0; color: var(--dark); font-size: 14.5px; display: flex; align-items: center; gap: 12px; }
.form-perks i { color: var(--red); font-size: 18px; }
.form-contact p { font-size: 14px; color: var(--gray); padding: 6px 0; display: flex; align-items: center; gap: 10px; }
.form-contact i { color: var(--red); }

.req-form, .contact-form form { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--dark); }
.form-group input, .form-group select, .form-group textarea {
  padding: 14px 16px; border-radius: 14px; border: 1.5px solid var(--gray-light);
  background: rgba(255,255,255,0.9); font-family: 'Montserrat', sans-serif; font-size: 14px;
  color: var(--dark); transition: var(--transition);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--red); box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.1);
}
.form-group textarea { resize: vertical; }

/* ===== Reviews ===== */
.reviews { background: var(--light-2); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card {
  padding: 32px 28px; border-radius: var(--radius); transition: var(--transition);
  background: rgba(255,255,255,0.75); border: 1px solid rgba(255,255,255,0.8);
}
.review-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.review-stars { color: #fbbf24; margin-bottom: 16px; font-size: 14px; display: flex; gap: 3px; }
.review-card p { font-size: 15px; color: var(--dark-2); font-style: italic; margin-bottom: 22px; line-height: 1.7; }
.reviewer { display: flex; align-items: center; gap: 14px; }
.reviewer img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; }
.reviewer h4 { font-size: 16px; color: var(--dark); font-family: 'Montserrat', sans-serif; font-weight: 700; }
.reviewer span { font-size: 13px; color: var(--gray); }

/* ===== FAQ ===== */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  margin-bottom: 16px; border-radius: var(--radius); overflow: hidden;
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8);
  transition: var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow); }
.faq-q {
  width: 100%; padding: 22px 26px; background: none; border: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  font-family: 'Montserrat', sans-serif; font-size: 16px; font-weight: 600; color: var(--dark);
  text-align: left;
}
.faq-q i { color: var(--red); transition: transform 0.3s ease; min-width: 18px; }
.faq-item.active .faq-q i { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-a p { padding: 0 26px 22px; font-size: 15px; color: var(--gray); margin: 0; }
.faq-item.active .faq-a { max-height: 300px; }

/* ===== Contact ===== */
.contact-grid { display: grid; grid-template-columns: 0.9fr 1.4fr; gap: 40px; }
.contact-info { display: flex; flex-direction: column; gap: 18px; }
.ci-card {
  padding: 26px 24px; border-radius: var(--radius); display: flex; gap: 18px; align-items: flex-start;
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8); transition: var(--transition);
}
.ci-card:hover { transform: translateX(6px); box-shadow: var(--shadow); }
.ci-icon {
  width: 52px; height: 52px; min-width: 52px; border-radius: 14px;
  background: var(--gradient); color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 20px; box-shadow: var(--shadow-red);
}
.ci-card h4 { font-size: 18px; color: var(--dark); font-family: 'Montserrat', sans-serif; font-weight: 700; margin-bottom: 4px; }
.ci-card p { font-size: 15px; color: var(--dark-2); margin: 0; }
.ci-card p a:hover { color: var(--red); }
.ci-card span { font-size: 13px; color: var(--gray); }
.ci-socials { display: flex; gap: 12px; margin-top: 8px; }
.ci-socials a {
  width: 44px; height: 44px; border-radius: 12px; background: rgba(220, 38, 38, 0.1);
  color: var(--red); display: flex; align-items: center; justify-content: center; font-size: 16px;
}
.ci-socials a:hover { background: var(--gradient); color: #fff; transform: translateY(-4px); }

.contact-form { padding: 40px; border-radius: var(--radius-lg); }
.contact-form h3 { font-size: 26px; color: var(--dark); margin-bottom: 24px; }

.map-section { background: var(--light-2); }
.map-wrap { padding: 14px; border-radius: var(--radius-lg); }
.map-wrap iframe { border-radius: var(--radius); }

/* ===== Team ===== */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.team-card {
  padding: 28px 22px; border-radius: var(--radius); text-align: center;
  background: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.8); transition: var(--transition);
}
.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.team-card img { width: 100px; height: 100px; border-radius: 50%; object-fit: cover; margin: 0 auto 18px; border: 4px solid rgba(220, 38, 38, 0.15); }
.team-card h3 { font-size: 22px; color: var(--dark); margin-bottom: 4px; }
.team-card span { font-size: 13px; color: var(--red); font-weight: 600; display: block; margin-bottom: 12px; }
.team-card p { font-size: 13.5px; margin: 0; }

/* ===== Page Hero ===== */
.page-hero {
  position: relative; padding: 180px 0 80px; background: var(--dark);
  text-align: center; overflow: hidden;
}
.page-hero-overlay {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(220, 38, 38, 0.18) 0%, transparent 60%);
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { font-size: clamp(2.4rem, 5vw, 4rem); color: #fff; margin-bottom: 18px; line-height: 1.1; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 17px; max-width: 640px; margin: 0 auto 24px; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.6); }
.breadcrumb a { color: rgba(255,255,255,0.8); }
.breadcrumb a:hover { color: var(--red-light); }
.breadcrumb i { font-size: 11px; }

/* ===== Legal Pages ===== */
.legal-section { padding: 80px 0; }
.legal-content { padding: 50px; border-radius: var(--radius-lg); max-width: 920px; margin: 0 auto; }
.legal-content h2 { font-size: 26px; color: var(--dark); margin: 28px 0 12px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { font-size: 15.5px; margin-bottom: 14px; line-height: 1.8; }
.legal-content ul { margin: 12px 0 18px 20px; }
.legal-content ul li { padding: 6px 0; font-size: 15px; color: var(--gray); list-style: disc; }
.legal-content a { color: var(--red); }

/* ===== Footer ===== */
.footer { background: var(--dark); color: #fff; padding: 80px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.5fr; gap: 40px; margin-bottom: 50px; }
.footer-logo { color: #fff; margin-bottom: 20px; }
.footer-col p { color: rgba(255,255,255,0.6); font-size: 14.5px; margin-bottom: 20px; line-height: 1.7; }
.footer-col h4 { font-size: 18px; color: #fff; margin-bottom: 22px; font-family: 'Montserrat', sans-serif; font-weight: 700; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.65); font-size: 14.5px; }
.footer-col ul li a:hover { color: var(--red-light); padding-left: 6px; }
.footer-socials { display: flex; gap: 12px; }
.footer-socials a {
  width: 40px; height: 40px; border-radius: 12px; background: rgba(255,255,255,0.08);
  color: #fff; display: flex; align-items: center; justify-content: center; font-size: 15px;
}
.footer-socials a:hover { background: var(--gradient); transform: translateY(-4px); }
.newsletter { display: flex; gap: 8px; margin-bottom: 24px; }
.newsletter input {
  flex: 1; padding: 13px 16px; border-radius: 12px; border: 1px solid rgba(255,255,255,0.15);
  background: rgba(255,255,255,0.06); color: #fff; font-family: 'Montserrat', sans-serif; font-size: 14px;
}
.newsletter input::placeholder { color: rgba(255,255,255,0.4); }
.newsletter input:focus { outline: none; border-color: var(--red); }
.newsletter button {
  width: 48px; min-width: 48px; border-radius: 12px; background: var(--gradient); color: #fff;
  border: none; cursor: pointer; font-size: 14px; box-shadow: var(--shadow-red); transition: var(--transition);
}
.newsletter button:hover { transform: translateY(-3px); }
.footer-contact p { font-size: 14px; color: rgba(255,255,255,0.6); padding: 5px 0; display: flex; align-items: center; gap: 10px; margin: 0; }
.footer-contact i { color: var(--red-light); width: 18px; }
.footer-contact a:hover { color: var(--red-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 26px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px;
}
.footer-bottom p { color: rgba(255,255,255,0.5); font-size: 14px; margin: 0; }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { color: rgba(255,255,255,0.5); font-size: 14px; }
.footer-legal a:hover { color: var(--red-light); }

/* ===== Back to Top ===== */
.back-to-top {
  position: fixed; bottom: 30px; right: 30px; width: 50px; height: 50px; border-radius: 14px;
  background: var(--gradient); color: #fff; border: none; cursor: pointer; font-size: 16px;
  box-shadow: var(--shadow-red); opacity: 0; visibility: hidden; transition: var(--transition); z-index: 999;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { transform: translateY(-4px); }

/* ===== Scroll Reveal ===== */
.reveal { opacity: 0; transform: translateY(40px); transition: opacity 0.8s ease, transform 0.8s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .hero-container, .about-grid, .insurance-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .hero-card img { height: 380px; }
  .metrics-grid, .features-grid, .services-grid, .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
  .pricing-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .price-card.featured { transform: none; }
  .price-card.featured:hover { transform: translateY(-8px); }
  .form-wrap, .contact-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-menu {
    position: fixed; top: 0; right: -100%; width: 80%; max-width: 340px; height: 100vh;
    background: #fff; flex-direction: column; align-items: flex-start; padding: 90px 30px 30px; gap: 20px;
    box-shadow: -10px 0 40px rgba(0,0,0,0.1); transition: right 0.4s ease; z-index: 999;
  }
  .nav-menu.active { right: 0; }
  .nav-link { font-size: 17px; }
  .menu-toggle { display: flex; z-index: 1001; }
  .hero { padding: 120px 0 60px; }
  .hero-stats { gap: 24px; padding: 20px; flex-wrap: wrap; justify-content: center; }
  .h-stat h3 { font-size: 26px; }
  .section { padding: 70px 0; }
  .form-wrap, .contact-form, .legal-content, .cta-banner { padding: 30px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .metrics-grid, .features-grid, .services-grid, .reviews-grid, .process-grid, .team-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .brands-row { gap: 24px; }
  .about-experience { right: 10px; bottom: -20px; padding: 18px 22px; }
  .about-experience h3 { font-size: 36px; }
}

@media (max-width: 480px) {
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; justify-content: center; }
  .cta-actions { flex-direction: column; }
  .cta-actions .btn { width: 100%; justify-content: center; }
  .hero-card-badge { right: 0; padding: 10px 14px; }
  .hero-card-badge.bottom { left: 0; }
}