/* =====================================================
   Click2Buy Insurance - Main Stylesheet
   ===================================================== */

/* Phone icon — flip to face right */
.fa-phone, .fa-phone-alt { transform: scaleX(-1); display: inline-block; }

/* CSS Variables */
:root {
  --primary:       #1a4480;
  --primary-dark:  #0f2d5a;
  --primary-light: #e8f0fb;
  --secondary:     #0d6efd;
  --accent:        #f5a623;
  --accent-dark:   #d4891a;
  --success:       #28a745;
  --danger:        #dc3545;
  --dark:          #1e2d3d;
  --text:          #444;
  --text-light:    #6c757d;
  --light-bg:      #f4f8ff;
  --border:        #dee2e6;
  --white:         #ffffff;
  --shadow:        0 4px 24px rgba(26,68,128,0.10);
  --shadow-lg:     0 8px 40px rgba(26,68,128,0.16);
  --radius:        10px;
  --radius-lg:     18px;
  --transition:    0.3s ease;
}

/* Reset & Base */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Poppins', 'Segoe UI', sans-serif;
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  background: var(--white);
}
a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; padding: 0; margin: 0; }
h1,h2,h3,h4,h5,h6 { font-weight: 700; color: var(--dark); line-height: 1.3; }

/* =====================================================
   TOP BAR
   ===================================================== */
.topbar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  padding: 7px 0;
}
.topbar a { color: rgba(255,255,255,0.85); }
.topbar a:hover { color: var(--accent); }
.topbar .topbar-info span { margin-right: 20px; }
.topbar .topbar-info i { margin-right: 5px; color: var(--accent); }
.topbar .topbar-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px;
  background: rgba(255,255,255,0.12);
  border-radius: 50%;
  margin-left: 6px;
  font-size: 12px;
  transition: background var(--transition);
}
.topbar .topbar-social a:hover { background: var(--accent); color: #fff; }

/* =====================================================
   NAVBAR
   ===================================================== */
.navbar-main {
  background: var(--white);
  box-shadow: 0 2px 16px rgba(26,68,128,0.08);
  position: sticky;
  top: 0;
  z-index: 999;
  transition: box-shadow var(--transition);
}
.navbar-main.scrolled { box-shadow: var(--shadow-lg); }
.navbar-brand img { height: 50px; }
.navbar-brand .brand-text { font-size: 22px; font-weight: 800; color: var(--primary); line-height: 1.1; }
.navbar-brand .brand-text span { color: var(--accent); }
.navbar-brand .brand-sub { font-size: 11px; color: var(--text-light); letter-spacing: 1px; }
.nav-link {
  font-size: 14px;
  font-weight: 600;
  color: var(--dark) !important;
  padding: 8px 14px !important;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-link:hover, .nav-link.active { color: var(--primary) !important; background: var(--primary-light); }
.dropdown-menu {
  border: none;
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius);
  padding: 10px;
  min-width: 230px;
}
.dropdown-item {
  font-size: 13.5px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  color: var(--dark);
  transition: all var(--transition);
}
.dropdown-item:hover { background: var(--primary-light); color: var(--primary); }
.dropdown-item i { width: 22px; color: var(--primary); }
.btn-quote {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: #fff !important;
  border: none;
  border-radius: 25px;
  padding: 9px 22px !important;
  font-weight: 700;
  font-size: 13.5px;
  box-shadow: 0 4px 15px rgba(245,166,35,0.35);
  transition: all var(--transition);
}
.btn-quote:hover { background: linear-gradient(135deg, var(--accent-dark), var(--accent)); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(245,166,35,0.45); color: #fff !important; }

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero-section {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #1565c0 100%);
  color: #fff;
  padding: 90px 0 70px;
  position: relative;
  overflow: hidden;
}
.hero-section::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 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-section .hero-badge {
  display: inline-block;
  background: rgba(245,166,35,0.2);
  border: 1px solid rgba(245,166,35,0.5);
  color: var(--accent);
  border-radius: 20px;
  padding: 5px 16px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 1px;
  margin-bottom: 18px;
  text-transform: uppercase;
}
.hero-section h1 { font-size: 46px; font-weight: 800; color: #fff; margin-bottom: 18px; line-height: 1.2; }
.hero-section h1 span { color: var(--accent); }
.hero-section p { font-size: 17px; opacity: 0.88; margin-bottom: 32px; max-width: 520px; }
.hero-img-wrap { position: relative; z-index: 1; }
.hero-img-wrap img {
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.35));
  max-height: 520px;
  width: 100%;
  object-fit: contain;
  display: block;
}
.hero-section .col-lg-6:first-child { position: relative; z-index: 2; }
.hero-stats {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius);
  padding: 20px;
  margin-top: 30px;
}
.hero-stat-item { text-align: center; }
.hero-stat-item .number { font-size: 26px; font-weight: 800; color: var(--accent); }
.hero-stat-item .label { font-size: 12px; opacity: 0.8; }

/* =====================================================
   SECTION COMMON
   ===================================================== */
section { padding: 70px 0; }
.section-label {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 20px;
  padding: 5px 16px;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-title { font-size: 34px; font-weight: 800; color: var(--dark); margin-bottom: 12px; }
.section-title span { color: var(--primary); }
.section-sub { font-size: 16px; color: var(--text-light); max-width: 580px; }
.divider {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  border-radius: 4px;
  margin: 14px 0 20px;
}
.divider-center { margin: 14px auto 20px; }

/* =====================================================
   BUTTONS
   ===================================================== */
.btn-primary-custom {
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: #fff; border: none;
  padding: 12px 28px; border-radius: 30px;
  font-weight: 700; font-size: 14px;
  transition: all var(--transition);
  box-shadow: 0 4px 15px rgba(26,68,128,0.3);
  display: inline-flex; align-items: center; gap: 8px;
}
.btn-primary-custom:hover { transform: translateY(-2px); box-shadow: 0 6px 22px rgba(26,68,128,0.4); color: #fff; }
.btn-accent { background: linear-gradient(135deg, var(--accent), var(--accent-dark)); color: #fff; border: none; padding: 12px 28px; border-radius: 30px; font-weight: 700; font-size: 14px; transition: all var(--transition); box-shadow: 0 4px 15px rgba(245,166,35,0.35); display: inline-flex; align-items: center; gap: 8px; }
.btn-accent:hover { transform: translateY(-2px); color: #fff; }
.btn-outline-primary-custom { border: 2px solid var(--primary); color: var(--primary); background: transparent; padding: 11px 27px; border-radius: 30px; font-weight: 700; font-size: 14px; transition: all var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-outline-primary-custom:hover { background: var(--primary); color: #fff; }
.btn-white { background: #fff; color: var(--primary); border: none; padding: 12px 28px; border-radius: 30px; font-weight: 700; font-size: 14px; transition: all var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-white:hover { background: var(--accent); color: #fff; }

/* =====================================================
   INSURANCE PRODUCTS GRID
   ===================================================== */
.products-section { background: var(--light-bg); }
.insurance-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  height: 100%;
  border: 1px solid transparent;
  position: relative;
  overflow: hidden;
}
.insurance-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transform: scaleX(0);
  transition: transform var(--transition);
}
.insurance-card:hover::before { transform: scaleX(1); }
.insurance-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.insurance-card .icon-wrap {
  width: 72px; height: 72px;
  background: var(--primary-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
  font-size: 28px;
  color: var(--primary);
  transition: all var(--transition);
}
.insurance-card:hover .icon-wrap { background: var(--primary); color: #fff; }
.insurance-card h5 { font-size: 16px; font-weight: 700; margin-bottom: 10px; color: var(--dark); }
.insurance-card p { font-size: 13.5px; color: var(--text-light); margin-bottom: 16px; }
.insurance-card .card-link { font-size: 13px; font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 5px; }
.insurance-card .card-link:hover { color: var(--accent); }

/* =====================================================
   WHY CHOOSE US
   ===================================================== */
.why-us-section { background: var(--white); }
.feature-item { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 30px; }
.feature-icon {
  width: 54px; height: 54px; min-width: 54px;
  background: var(--primary-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; color: var(--primary);
}
.feature-item h6 { font-size: 16px; font-weight: 700; margin-bottom: 5px; }
.feature-item p { font-size: 14px; color: var(--text-light); margin: 0; }

/* =====================================================
   STATS COUNTER
   ===================================================== */
.stats-section { background: linear-gradient(135deg, var(--primary-dark), var(--primary)); color: #fff; padding: 60px 0; }
.stat-card { text-align: center; }
.stat-card .stat-number { font-size: 44px; font-weight: 800; color: var(--accent); }
.stat-card .stat-label { font-size: 15px; opacity: 0.85; margin-top: 5px; }
.stat-card .stat-icon { font-size: 30px; opacity: 0.25; position: absolute; top: 0; right: 10px; }

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-works-section { background: var(--light-bg); }
.step-card { text-align: center; position: relative; padding: 30px 20px; }
.step-num {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: #fff; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; font-weight: 800;
  margin: 0 auto 18px;
  box-shadow: 0 4px 16px rgba(26,68,128,0.3);
}
.step-arrow { position: absolute; top: 50px; right: -30px; color: var(--primary); opacity: 0.3; font-size: 24px; }
.step-card h5 { font-weight: 700; margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--text-light); }

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials-section { background: var(--white); }
.testimonial-card {
  background: var(--light-bg);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  border-left: 4px solid var(--primary);
  height: 100%;
}
.testimonial-card .stars { color: var(--accent); margin-bottom: 12px; }
.testimonial-card p { font-size: 14.5px; color: var(--text); font-style: italic; margin-bottom: 18px; }
.testimonial-author img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }
.testimonial-author strong { font-size: 14px; }
.testimonial-author span { font-size: 12.5px; color: var(--text-light); }

/* =====================================================
   BLOG SECTION
   ===================================================== */
.blog-section { background: var(--light-bg); }
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  height: 100%;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.blog-card .blog-img { overflow: hidden; height: 200px; }
.blog-card .blog-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.blog-card:hover .blog-img img { transform: scale(1.06); }
.blog-card .blog-body { padding: 22px; }
.blog-category {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  border-radius: 12px;
  padding: 3px 12px;
  font-size: 11.5px;
  font-weight: 700;
  margin-bottom: 12px;
}
.blog-card h5 { font-size: 16.5px; font-weight: 700; margin-bottom: 10px; color: var(--dark); line-height: 1.4; }
.blog-card h5 a { color: inherit; }
.blog-card h5 a:hover { color: var(--primary); }
.blog-card .blog-meta { font-size: 12.5px; color: var(--text-light); display: flex; gap: 14px; margin-bottom: 12px; }
.blog-card p { font-size: 13.5px; color: var(--text-light); }

/* =====================================================
   PAGE HERO (Inner Pages)
   ===================================================== */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 60px 0 50px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 40px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { font-size: 38px; font-weight: 800; color: #fff; margin-bottom: 10px; }
.page-hero .breadcrumb { background: none; padding: 0; }
.page-hero .breadcrumb-item { font-size: 13.5px; }
.page-hero .breadcrumb-item a { color: rgba(255,255,255,0.75); }
.page-hero .breadcrumb-item.active { color: var(--accent); }
.page-hero .breadcrumb-item+.breadcrumb-item::before { color: rgba(255,255,255,0.5); }

/* =====================================================
   INSURANCE INNER PAGE
   ===================================================== */
.insurance-page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #1565c0 100%);
  padding: 80px 0 60px;
  color: #fff;
}
.insurance-page-hero h1 { font-size: 40px; font-weight: 800; color: #fff; margin-bottom: 14px; }
.insurance-page-hero .hero-icon { font-size: 80px; opacity: 0.15; position: absolute; right: 20px; top: 20px; }
.insurance-highlight-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--accent);
  margin-bottom: 24px;
}
.benefit-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  box-shadow: var(--shadow);
  height: 100%;
  transition: all var(--transition);
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.benefit-card .benefit-icon { font-size: 38px; color: var(--primary); margin-bottom: 14px; }
.benefit-card h6 { font-weight: 700; font-size: 15px; margin-bottom: 8px; }
.benefit-card p { font-size: 13px; color: var(--text-light); margin: 0; }
.coverage-list li { padding: 10px 0; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 10px; font-size: 14.5px; }
.coverage-list li:last-child { border: none; }
.coverage-list li i { color: var(--success); font-size: 16px; }
.faq-section .accordion-button { font-weight: 600; color: var(--dark); font-size: 15px; }
.faq-section .accordion-button:not(.collapsed) { color: var(--primary); background: var(--primary-light); }

/* =====================================================
   QUOTE FORM
   ===================================================== */
.quote-form-section {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 60px 0;
  color: #fff;
}
.quote-form-section h2 { color: #fff; }
.quote-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-lg);
}
.quote-form-card .form-label { font-weight: 600; font-size: 13.5px; color: var(--dark); }
.quote-form-card .form-control, .quote-form-card .form-select {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 14px;
  transition: border-color var(--transition);
}
.quote-form-card .form-control:focus, .quote-form-card .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,68,128,0.1);
}

/* =====================================================
   CONTACT PAGE
   ===================================================== */
.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  margin-bottom: 24px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.contact-info-icon {
  width: 52px; height: 52px; min-width: 52px;
  background: var(--primary-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; color: var(--primary);
}
.contact-form-section { background: var(--white); }
.form-control, .form-select {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 11px 15px;
  font-size: 14px;
  transition: all var(--transition);
}
.form-control:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,68,128,0.1);
}
.form-label { font-weight: 600; font-size: 13.5px; color: var(--dark); margin-bottom: 6px; }

/* =====================================================
   BLOG LIST & DETAIL
   ===================================================== */
.blog-list-page { background: var(--light-bg); padding: 60px 0; }
.blog-detail-content { font-size: 16px; line-height: 1.85; }
.blog-detail-content h2, .blog-detail-content h3 { margin: 28px 0 14px; color: var(--dark); }
.blog-detail-content p { margin-bottom: 18px; }
.blog-detail-content ul, .blog-detail-content ol { padding-left: 24px; margin-bottom: 18px; }
.blog-detail-content li { margin-bottom: 8px; }
.blog-detail-sidebar .sidebar-widget { background: var(--white); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); margin-bottom: 24px; }
.blog-detail-sidebar .widget-title { font-size: 17px; font-weight: 700; margin-bottom: 16px; padding-bottom: 10px; border-bottom: 2px solid var(--primary-light); color: var(--dark); }

/* =====================================================
   CAREERS PAGE
   ===================================================== */
.job-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
  margin-bottom: 22px;
  transition: all var(--transition);
  border: 1px solid transparent;
}
.job-card:hover { border-color: var(--primary); box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.job-card h4 { font-size: 18px; font-weight: 700; margin-bottom: 10px; color: var(--dark); }
.job-badge { display: inline-block; padding: 3px 12px; border-radius: 12px; font-size: 12px; font-weight: 600; margin-right: 8px; margin-bottom: 6px; }
.badge-dept { background: #e8f0fb; color: var(--primary); }
.badge-location { background: #fef3e2; color: #c47d00; }
.badge-type { background: #e8f8f0; color: #1a7a45; }

/* =====================================================
   FOOTER
   ===================================================== */
.footer-main { background: var(--dark); color: rgba(255,255,255,0.8); padding: 70px 0 30px; }
.footer-brand .brand-name { font-size: 24px; font-weight: 800; color: #fff; }
.footer-brand .brand-name span { color: var(--accent); }
.footer-brand p { font-size: 13.5px; margin-top: 12px; opacity: 0.75; line-height: 1.7; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px;
  color: rgba(255,255,255,0.8);
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--accent); color: #fff; }
.footer-heading { font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 18px; padding-bottom: 10px; border-bottom: 2px solid rgba(245,166,35,0.4); }
.footer-links li { margin-bottom: 9px; }
.footer-links a { font-size: 13.5px; color: rgba(255,255,255,0.7); transition: all var(--transition); display: flex; align-items: center; gap: 6px; }
.footer-links a:hover { color: var(--accent); padding-left: 5px; }
.footer-links a i { font-size: 10px; color: var(--accent); }
.footer-contact-info li { font-size: 13.5px; display: flex; gap: 10px; margin-bottom: 12px; color: rgba(255,255,255,0.7); }
.footer-contact-info li i { color: var(--accent); font-size: 15px; margin-top: 2px; }
.footer-contact-info a { color: rgba(255,255,255,0.7); }
.footer-contact-info a:hover { color: var(--accent); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 0 0; margin-top: 40px; font-size: 13px; color: rgba(255,255,255,0.5); }
.footer-bottom a { color: rgba(255,255,255,0.65); }
.footer-bottom a:hover { color: var(--accent); }

/* =====================================================
   PLACEHOLDER IMAGE
   ===================================================== */
.placeholder-img {
  background: #c8d4e3;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 600;
  color: #7a8fa8;
  border-radius: var(--radius);
  letter-spacing: 0.5px;
}

/* =====================================================
   ALERT / FLASH MESSAGES
   ===================================================== */
.alert-success { background: #d4edda; border: 1px solid #c3e6cb; color: #155724; border-radius: var(--radius); padding: 14px 18px; }
.alert-danger { background: #f8d7da; border: 1px solid #f5c6cb; color: #721c24; border-radius: var(--radius); padding: 14px 18px; }

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta-section {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  padding: 70px 0;
  color: #fff;
}
.cta-section h2 { font-size: 36px; font-weight: 800; color: #fff; }
.cta-section p { font-size: 17px; opacity: 0.9; }

/* =====================================================
   PARTNERS SECTION
   ===================================================== */
.partners-section { background: var(--light-bg); padding: 50px 0; }
.partner-logo {
  background: var(--white);
  border-radius: var(--radius);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow);
  height: 70px;
  filter: grayscale(60%);
  transition: filter var(--transition);
}
.partner-logo:hover { filter: grayscale(0); }
.partner-logo img { max-height: 40px; }

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 991px) {
  .hero-section h1 { font-size: 32px; }
  .section-title { font-size: 26px; }
  .page-hero h1 { font-size: 28px; }
  .insurance-page-hero h1 { font-size: 30px; }
  .hero-section { padding: 60px 0 50px; }
  .step-arrow { display: none; }
  .topbar .topbar-info span { display: none; }
}
@media (max-width: 767px) {
  .hero-section h1 { font-size: 26px; }
  .stat-card .stat-number { font-size: 32px; }
  section { padding: 50px 0; }
  .cta-section h2 { font-size: 26px; }
  .footer-main { padding: 50px 0 20px; }
}
@media (max-width: 575px) {
  .hero-section { padding: 50px 0 40px; }
  .hero-section h1 { font-size: 22px; }
  .btn-primary-custom, .btn-accent { padding: 10px 22px; font-size: 13px; }
}

/* =====================================================
   UTILITIES
   ===================================================== */
.bg-light-blue { background: var(--light-bg); }
.text-primary-custom { color: var(--primary); }
.text-accent { color: var(--accent); }
.rounded-xl { border-radius: var(--radius-lg); }
.shadow-custom { box-shadow: var(--shadow); }
.shadow-custom-lg { box-shadow: var(--shadow-lg); }
.fw-800 { font-weight: 800; }
.mt-section { margin-top: 70px; }
.whatsapp-btn {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 54px; height: 54px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; color: #fff;
  box-shadow: 0 4px 20px rgba(37,211,102,0.45);
  z-index: 9999;
  transition: all var(--transition);
}
.whatsapp-btn:hover { background: #128c4e; color: #fff; transform: scale(1.1); }