/* =========================================================
   RAJ MOTOR VEHICLE INSURANCE - MAIN STYLESHEET
   Cleaned: old and duplicate CSS removed
========================================================= */

:root {
    --navy: #063a67;
    --navy-dark: #022746;
    --blue: #0a4d85;
    --orange: #ff8700;
    --orange-dark: #e87400;
    --ink: #132333;
    --muted: #5f6b77;
    --line: #dfe6ec;
    --soft: #f5f8fb;
    --white: #ffffff;
    --shadow: 0 18px 45px rgba(5, 45, 79, 0.12);
    --radius: 20px;
  }

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

  html {
    scroll-behavior: smooth;
  }

  body {
    font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
    color: var(--ink);
    background: var(--white);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
  }

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

  a {
    color: inherit;
    text-decoration: none;
  }

  button,
  a {
    -webkit-tap-highlight-color: transparent;
  }

  .container {
    width: min(1140px, calc(100% - 40px));
    margin-inline: auto;
  }

  .section-pad {
    padding: 88px 0;
  }

  .skip-link {
    position: fixed;
    top: 12px;
    left: 12px;
    z-index: 9999;
    transform: translateY(-150%);
    background: var(--navy-dark);
    color: var(--white);
    padding: 10px 14px;
    border-radius: 8px;
  }

  .skip-link:focus {
    transform: translateY(0);
  }

  .site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.96);
    border-bottom: 1px solid rgba(6, 58, 103, 0.08);
    backdrop-filter: blur(14px);
  }

  .nav-wrap {
    min-height: 82px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
  }

  .brand img {
    width: 120px;
    height: 68px;
    object-fit: contain;
  }

  .main-nav {
    display: flex;
    align-items: center;
    gap: 28px;
    font-weight: 700;
    font-size: 0.95rem;
  }

  .main-nav > a:not(.nav-call) {
    position: relative;
  }

  .main-nav > a:not(.nav-call)::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: -7px;
    width: 0;
    height: 2px;
    background: var(--orange);
    transition: width 0.25s ease;
  }

  .main-nav > a:hover::after,
  .main-nav > a:focus-visible::after {
    width: 100%;
  }

  .nav-call {
    background: var(--orange);
    color: var(--white);
    padding: 11px 18px;
    border-radius: 999px;
    box-shadow: 0 10px 22px rgba(255, 135, 0, 0.24);
  }

  .menu-toggle {
    display: none;
    width: 44px;
    height: 44px;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: var(--white);
    align-items: center;
    justify-content: center;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
  }

  .menu-toggle span {
    width: 20px;
    height: 2px;
    background: var(--navy);
  }

  .eyebrow {
    color: var(--orange-dark);
    font-size: 0.82rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    margin-bottom: 14px;
  }

  h1,
  h2,
  h3 {
    line-height: 1.15;
    color: var(--navy-dark);
  }

  h1 {
    font-size: clamp(2.55rem, 6vw, 4.9rem);
    letter-spacing: -0.05em;
    max-width: 820px;
  }

  h2 {
    font-size: clamp(2rem, 4vw, 3.15rem);
    letter-spacing: -0.035em;
  }

  h3 {
    font-size: 1.18rem;
  }

  .contact-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 32px;
  }

  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 52px;
    padding: 0 24px;
    border-radius: 12px;
    font-weight: 800;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
  }

  .btn:hover,
  .btn:focus-visible {
    transform: translateY(-2px);
  }

  .btn-primary {
    color: var(--white);
    background: linear-gradient(135deg, var(--orange), #ff9f1f);
    box-shadow: 0 12px 26px rgba(255, 135, 0, 0.25);
  }

  .btn-outline {
    border: 1.5px solid rgba(6, 58, 103, 0.28);
    color: var(--navy);
    background: rgba(255, 255, 255, 0.7);
  }

  .btn-outline.light {
    border-color: rgba(255, 255, 255, 0.45);
    color: var(--white);
    background: rgba(255, 255, 255, 0.07);
  }
  .section-heading {
    max-width: 760px;
    margin-bottom: 42px;
  }

  .section-heading p:not(.eyebrow) {
    margin-top: 16px;
    color: var(--muted);
    font-size: 1.03rem;
  }

  .cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
  }

  .service-card {
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 28px;
    background: var(--white);
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  }

  .service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
    border-color: rgba(255, 135, 0, 0.35);
  }

  .service-card .icon {
    width: 50px;
    height: 50px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: #fff5e8;
    margin-bottom: 20px;
    font-size: 1.45rem;
  }

  .service-card p {
    margin-top: 10px;
    color: var(--muted);
  }

  .faq-wrap {
    max-width: 900px;
  }

  .faq-list {
    display: grid;
    gap: 14px;
  }

  .faq-item {
    border: 1px solid var(--line);
    border-radius: 16px;
    background: var(--white);
    overflow: hidden;
  }

  .faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 22px 24px;
    border: 0;
    background: var(--white);
    text-align: left;
    font: inherit;
    font-weight: 800;
    color: var(--navy-dark);
    cursor: pointer;
  }

  .faq-question span {
    font-size: 1.5rem;
    line-height: 1;
    color: var(--orange);
    transition: transform 0.25s ease;
  }

  .faq-question[aria-expanded="true"] span {
    transform: rotate(45deg);
  }

  .faq-answer {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.25s ease;
  }

  .faq-answer p {
    overflow: hidden;
    color: var(--muted);
    padding: 0 24px;
  }

  .faq-item.open .faq-answer {
    grid-template-rows: 1fr;
  }

  .faq-item.open .faq-answer p {
    padding-bottom: 22px;
  }
  .contact-section {
    background:
      linear-gradient(135deg, rgba(2, 39, 70, 0.97), rgba(6, 58, 103, 0.94)),
      radial-gradient(circle at 85% 50%, rgba(255, 135, 0, 0.28), transparent 28%);
    color: var(--white);
  }

  .contact-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
    align-items: center;
  }

  .contact-section h2 {
    color: var(--white);
  }

  .contact-section .eyebrow {
    color: #ffb75a;
  }

  .contact-section p {
    margin-top: 16px;
    color: rgba(255, 255, 255, 0.78);
  }

  .contact-card {
    display: grid;
    gap: 16px;
    padding: 28px;
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.18);
    font-style: normal;
  }

  .contact-card a {
    color: #ffb75a;
    font-weight: 800;
  }

  .contact-card small {
    color: rgba(255, 255, 255, 0.62);
  }

  .site-footer {
    background: #011c33;
    color: rgba(255, 255, 255, 0.72);
    padding: 24px 0;
    font-size: 0.92rem;
  }

  .footer-wrap {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    align-items: center;
  }

  .footer-wrap a {
    color: #ffb75a;
    font-weight: 800;
  }

  .floating-call {
    position: fixed;
    right: 18px;
    bottom: 18px;
    z-index: 999;
    display: none;
    align-items: center;
    justify-content: center;
    min-width: 112px;
    min-height: 48px;
    padding: 0 18px;
    border-radius: 999px;
    color: var(--white);
    background: var(--orange);
    font-weight: 900;
    box-shadow: 0 14px 28px rgba(255, 135, 0, 0.35);
  }

/* ========================================
   BASE RESPONSIVE
======================================== */
@media (max-width: 920px) {
  .section-pad { padding: 72px 0; }
  .menu-toggle { display: inline-flex; }

  .main-nav {
    position: absolute;
    top: calc(100% + 1px);
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 16px 30px rgba(0, 0, 0, 0.08);
    padding: 10px 20px 22px;
  }

  .main-nav.open { display: flex; }
  .main-nav a { padding: 13px 8px; }
  .main-nav > a:not(.nav-call)::after { display: none; }
  .nav-call { margin-top: 8px; text-align: center; }

  .contact-grid { grid-template-columns: 1fr; }
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .container { width: min(100% - 28px, 1140px); }
  .section-pad { padding: 58px 0; }
  .nav-wrap { min-height: 72px; }
  .brand img { width: 96px; height: 58px; }
  h1 { font-size: clamp(2.35rem, 12vw, 3.4rem); }
  h2 { font-size: 2rem; }
  .contact-actions { flex-direction: column; }
  .btn { width: 100%; }
  .cards-grid { grid-template-columns: 1fr; }
  .service-card { padding: 24px; }
  .faq-question { padding: 19px 18px; }
  .faq-answer p { padding-inline: 18px; }
  .footer-wrap { flex-direction: column; align-items: flex-start; }
  .floating-call { display: inline-flex; }
  body { padding-bottom: 68px; }
}

/* ========================================
   RAJ MOTOR VEHICLE INSURANCE HERO
======================================== */

.insurance-hero {
    position: relative;
    overflow: hidden;
    min-height: 760px;
    padding: 110px 20px 0;
    background:
      radial-gradient(
        circle at 90% 10%,
        rgba(255, 132, 0, 0.18),
        transparent 28%
      ),
      radial-gradient(
        circle at 12% 85%,
        rgba(5, 62, 112, 0.10),
        transparent 32%
      ),
      linear-gradient(
        110deg,
        #ffffff 0%,
        #f7fafd 53%,
        #edf5fb 100%
      );
  }

  /* Background Decorative Circles */

  .hero-bg-circle {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
  }

  .hero-circle-one {
    width: 420px;
    height: 420px;
    right: -210px;
    top: -220px;
    border: 55px solid rgba(255, 130, 0, 0.07);
  }

  .hero-circle-two {
    width: 350px;
    height: 350px;
    left: -220px;
    bottom: 0;
    border: 50px solid rgba(1, 55, 103, 0.04);
  }

  /* Main Container */

  .hero-container {
    position: relative;
    z-index: 5;
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.04fr 0.96fr;
    gap: 60px;
    align-items: center;
  }

  /* ====================
     LEFT SIDE
  ==================== */

  .hero-content {
    max-width: 650px;
  }

  .hero-eyebrow {
    display: flex;
    align-items: center;
    gap: 10px;

    margin-bottom: 20px;

    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2px;

    color: #f68100;
  }

  .hero-eyebrow span {
    width: 32px;
    height: 3px;
    border-radius: 10px;
    background: #f68100;
  }

  .hero-content h1 {
    margin: 0;

    font-size: clamp(45px, 5vw, 67px);
    line-height: 1.03;
    letter-spacing: -2.8px;
    font-weight: 800;

    color: #053e70;
  }

  .hero-content h1 span {
    display: block;
    color: #071f38;
  }

  .hero-content h2 {
    max-width: 600px;

    margin: 23px 0 12px;

    font-size: 21px;
    line-height: 1.45;
    font-weight: 700;

    color: #164e7c;
  }

  .hero-description {
    max-width: 585px;

    margin: 0;

    font-size: 16px;
    line-height: 1.8;

    color: #657587;
  }

  /* Buttons */

  .hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;

    margin-top: 30px;
  }

  .hero-btn {
    min-height: 54px;
    padding: 0 24px;

    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 9px;

    border-radius: 12px;

    font-size: 15px;
    font-weight: 700;
    text-decoration: none;

    transition:
      transform 0.25s ease,
      box-shadow 0.25s ease,
      background 0.25s ease;
  }

  .primary-btn {
    color: #ffffff;
    background: linear-gradient(
      135deg,
      #ff8b00,
      #f37200
    );

    box-shadow:
      0 14px 30px rgba(242, 114, 0, 0.24);
  }

  .primary-btn:hover {
    transform: translateY(-3px);

    box-shadow:
      0 18px 35px rgba(242, 114, 0, 0.32);
  }

  .secondary-btn {
    color: #073e6f;

    border: 1.5px solid rgba(7, 62, 111, 0.20);

    background: rgba(255, 255, 255, 0.85);
  }

  .secondary-btn:hover {
    transform: translateY(-3px);
    background: #ffffff;

    box-shadow:
      0 12px 30px rgba(5, 62, 112, 0.10);
  }

  .btn-icon {
    font-size: 17px;
  }

  /* Benefits */

  .hero-benefits {
    margin-top: 28px;

    display: flex;
    flex-wrap: wrap;
    gap: 15px 25px;
  }

  .benefit-item {
    display: flex;
    align-items: center;
    gap: 8px;

    font-size: 13px;
    font-weight: 700;

    color: #124d7d;
  }

  .check-icon {
    width: 20px;
    height: 20px;

    display: inline-flex;
    align-items: center;
    justify-content: center;

    border-radius: 50%;

    color: #ffffff;
    background: #ff8500;

    font-size: 11px;
    font-weight: 900;
  }

  /* ====================
     RIGHT SIDE VISUAL
  ==================== */

  .hero-visual {
    position: relative;

    min-height: 525px;

    display: flex;
    align-items: center;
    justify-content: center;
  }

  /* Shield */

  .shield-shape {
    position: absolute;

    width: 390px;
    height: 430px;

    top: 25px;
    right: 45px;

    opacity: 0.11;

    background: #07477c;

    clip-path: polygon(
      50% 0%,
      92% 17%,
      88% 60%,
      74% 81%,
      50% 100%,
      26% 81%,
      12% 60%,
      8% 17%
    );
  }

  .shield-inner {
    position: absolute;
    inset: 22px;

    background: #eef6fb;

    clip-path: polygon(
      50% 0%,
      92% 17%,
      88% 60%,
      74% 81%,
      50% 100%,
      26% 81%,
      12% 60%,
      8% 17%
    );
  }

  /* Car */

  .car-image-wrap {
    position: relative;
    z-index: 4;

    width: 110%;
    margin-left: -10%;

    transform: translateY(15px);
  }

  .hero-car {
    display: block;

    width: 100%;
    max-height: 430px;

    object-fit: contain;

    filter:
      drop-shadow(0 30px 25px rgba(1, 42, 78, 0.16));
  }

  /* Orange road */

  .orange-road {
    position: absolute;

    width: 470px;
    height: 170px;

    right: -60px;
    bottom: 40px;

    border: 18px solid #ff8400;
    border-left-color: transparent;
    border-bottom-color: transparent;

    border-radius: 50%;

    transform: rotate(7deg);

    opacity: 0.9;
  }

  /* Floating Cards */

  .floating-card {
    position: absolute;
    z-index: 10;

    display: flex;
    align-items: center;
    gap: 11px;

    padding: 13px 16px;

    border: 1px solid rgba(8, 60, 105, 0.08);
    border-radius: 14px;

    background: rgba(255, 255, 255, 0.94);

    box-shadow:
      0 16px 35px rgba(0, 43, 78, 0.13);

    backdrop-filter: blur(8px);
  }

  .floating-card small {
    display: block;

    margin-bottom: 3px;

    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.8px;

    color: #7c8997;
  }

  .floating-card strong {
    display: block;

    font-size: 13px;
    color: #073d6d;
  }

  .vehicle-card {
    left: -20px;
    top: 105px;
  }

  .support-card {
    right: -15px;
    bottom: 70px;
  }

  .floating-icon {
    width: 39px;
    height: 39px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 10px;

    background: rgba(255, 132, 0, 0.12);

    font-size: 20px;
  }

  .support-check {
    width: 38px;
    height: 38px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 50%;

    color: #ffffff;
    background: #073f71;

    font-size: 19px;
    font-weight: 900;
  }

  /* ====================
     BOTTOM SERVICE STRIP
  ==================== */

  .hero-bottom-strip {
    position: relative;
    z-index: 10;

    max-width: 1100px;

    margin: 60px auto 0;

    padding: 18px 28px;

    display: flex;
    align-items: center;
    justify-content: space-between;

    border: 1px solid rgba(5, 62, 112, 0.08);
    border-radius: 20px 20px 0 0;

    background: rgba(255, 255, 255, 0.88);

    box-shadow:
      0 -6px 30px rgba(5, 62, 112, 0.06);

    backdrop-filter: blur(10px);
  }

  .strip-item {
    flex: 1;

    display: flex;
    align-items: center;
    justify-content: center;

    gap: 13px;
  }

  .strip-item > span {
    width: 38px;
    height: 38px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 10px;

    background: rgba(255, 132, 0, 0.11);

    color: #f27b00;

    font-size: 12px;
    font-weight: 800;
  }

  .strip-item strong {
    display: block;

    font-size: 14px;

    color: #073d6d;
  }

  .strip-item small {
    display: block;

    margin-top: 2px;

    font-size: 11px;

    color: #8692a0;
  }

  .strip-divider {
    width: 1px;
    height: 38px;

    background: rgba(7, 62, 111, 0.12);
  }

  /* ========================================
     TABLET
  ======================================== */

  @media (max-width: 1024px) {

    .insurance-hero {
      padding-top: 90px;
    }

    .hero-container {
      gap: 20px;
    }

    .hero-content h1 {
      font-size: 52px;
    }

    .hero-visual {
      min-height: 450px;
    }

    .shield-shape {
      width: 330px;
      height: 370px;

      right: 20px;
    }

    .vehicle-card {
      left: 0;
    }

    .support-card {
      right: 0;
    }
  }

  /* ========================================
     MOBILE
  ======================================== */

  @media (max-width: 768px) {

    .insurance-hero {
      min-height: auto;

      padding:
        65px 18px
        0;

      background:
        radial-gradient(
          circle at 100% 5%,
          rgba(255, 132, 0, 0.15),
          transparent 30%
        ),
        linear-gradient(
          180deg,
          #ffffff 0%,
          #f3f8fc 100%
        );
    }

    .hero-container {
      grid-template-columns: 1fr;
      gap: 25px;
    }

    .hero-content {
      text-align: center;
      margin: 0 auto;
    }

    .hero-eyebrow {
      justify-content: center;

      font-size: 11px;
      letter-spacing: 1.5px;
    }

    .hero-content h1 {
      font-size: 42px;
      line-height: 1.07;
      letter-spacing: -1.8px;
    }

    .hero-content h2 {
      margin-top: 18px;

      font-size: 18px;
    }

    .hero-description {
      font-size: 15px;
      line-height: 1.7;
    }

    .hero-buttons {
      justify-content: center;
    }

    .hero-btn {
      min-height: 52px;
    }

    .hero-benefits {
      justify-content: center;

      gap: 12px 18px;
    }

    /* Visual */

    .hero-visual {
      min-height: 370px;

      margin-top: 10px;
    }

    .shield-shape {
      width: 280px;
      height: 310px;

      top: 15px;
      right: 50%;

      transform: translateX(50%);
    }

    .car-image-wrap {
      width: 108%;

      margin: 0;

      transform: none;
    }

    .hero-car {
      max-height: 320px;
    }

    .orange-road {
      width: 350px;
      height: 120px;

      right: -120px;
      bottom: 35px;

      border-width: 13px;
    }

    .vehicle-card {
      left: 0;
      top: 25px;

      transform: scale(0.88);
      transform-origin: left;
    }

    .support-card {
      right: 0;
      bottom: 20px;

      transform: scale(0.88);
      transform-origin: right;
    }

    /* Bottom Strip */

    .hero-bottom-strip {
      margin-top: 25px;

      padding: 17px;

      border-radius: 18px 18px 0 0;

      flex-direction: column;
      gap: 14px;
    }

    .strip-item {
      width: 100%;

      justify-content: flex-start;

      padding: 0 10px;
    }

    .strip-divider {
      width: 100%;
      height: 1px;
    }
  }

  /* Extra Small Phones */

  @media (max-width: 480px) {

    .hero-content h1 {
      font-size: 36px;
    }

    .hero-content h2 {
      font-size: 16px;
    }

    .hero-buttons {
      flex-direction: column;
    }

    .hero-btn {
      width: 100%;
    }

    .hero-benefits {
      align-items: flex-start;
      flex-direction: column;

      width: fit-content;

      margin:
        25px auto
        0;
    }

    .hero-visual {
      min-height: 315px;
    }

    .floating-card {
      padding: 10px 11px;
    }

    .floating-card strong {
      font-size: 11px;
    }

    .floating-card small {
      font-size: 9px;
    }

    .vehicle-card {
      top: 10px;
    }
  }

  /* ========================================
   WHY CHOOSE US
======================================== */

.why-choose-section {
    padding: 95px 20px;
    background: #f5f8fb;
  }

  .why-choose-container {
    max-width: 1240px;
    margin: 0 auto;

    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 70px;

    align-items: center;
  }

  /* LEFT SIDE */

  .why-content {
    max-width: 520px;
  }

  .why-label {
    display: flex;
    align-items: center;
    gap: 10px;

    margin-bottom: 18px;

    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2.4px;

    color: #f47f00;
  }

  .why-label span {
    width: 30px;
    height: 3px;

    border-radius: 10px;

    background: #f47f00;
  }

  .why-content h2 {
    margin: 0;

    font-size: clamp(38px, 4vw, 54px);
    line-height: 1.08;
    letter-spacing: -2px;

    color: #082f54;
  }

  .why-content h2 span {
    display: block;

    color: #0a4f86;
  }

  .why-content p {
    margin: 24px 0 0;

    font-size: 16px;
    line-height: 1.8;

    color: #667587;
  }

  /* BUTTON */

  .why-call-btn {
    margin-top: 30px;

    min-height: 52px;
    padding: 0 24px;

    display: inline-flex;
    align-items: center;
    justify-content: center;

    border-radius: 12px;

    color: #ffffff;

    font-size: 14px;
    font-weight: 700;
    text-decoration: none;

    background: linear-gradient(
      135deg,
      #ff8a00,
      #f17200
    );

    box-shadow:
      0 14px 28px rgba(241, 114, 0, 0.22);

    transition: 0.3s ease;
  }

  .why-call-btn:hover {
    transform: translateY(-3px);

    box-shadow:
      0 18px 32px rgba(241, 114, 0, 0.28);
  }

  /* RIGHT SIDE */

  .why-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  /* CARD */

  .why-card {
    min-height: 190px;

    padding: 28px;

    border: 1px solid #dce5ed;
    border-radius: 18px;

    background: #ffffff;

    display: flex;
    flex-direction: column;
    align-items: flex-start;

    transition:
      transform 0.3s ease,
      border-color 0.3s ease,
      box-shadow 0.3s ease;
  }

  .why-card:hover {
    transform: translateY(-6px);

    border-color: rgba(244, 127, 0, 0.5);

    box-shadow:
      0 18px 40px rgba(7, 62, 111, 0.09);
  }

  /* ICON */

  .why-icon {
    width: 54px;
    height: 54px;

    display: flex;
    align-items: center;
    justify-content: center;

    margin-bottom: 22px;

    border-radius: 14px;

    background: #fff3e6;
    color: #0a4f86;
  }

  .why-icon svg {
    width: 27px;
    height: 27px;
  }

  /* CARD CONTENT */

  .why-card-content h3 {
    margin: 0 0 9px;

    font-size: 18px;
    line-height: 1.35;
    font-weight: 800;

    color: #082f54;
  }

  .why-card-content p {
    margin: 0;

    font-size: 14px;
    line-height: 1.7;

    color: #6b7887;
  }

  /* FEATURED CARD */

  .why-card.featured {
    background:
      linear-gradient(
        135deg,
        #073e70,
        #0b538a
      );

    border-color: transparent;
  }

  .why-card.featured:hover {
    border-color: transparent;
  }

  .why-card.featured .why-icon {
    background: #ff8500;
    color: #ffffff;
  }

  .why-card.featured h3 {
    color: #ffffff;
  }

  .why-card.featured p {
    color: rgba(255, 255, 255, 0.78);
  }

  /* ========================================
     TABLET
  ======================================== */

  @media (max-width: 950px) {

    .why-choose-container {
      grid-template-columns: 1fr;
      gap: 45px;
    }

    .why-content {
      max-width: 700px;

      margin: 0 auto;

      text-align: center;
    }

    .why-label {
      justify-content: center;
    }

  }

  /* ========================================
     MOBILE
  ======================================== */

  @media (max-width: 700px) {

    .why-choose-section {
      padding: 70px 18px;
    }

    .why-choose-container {
      gap: 35px;
    }

    .why-content h2 {
      font-size: 36px;
      letter-spacing: -1.3px;
    }

    .why-content p {
      font-size: 15px;
    }

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

    .why-card {
      min-height: auto;

      padding: 24px;
    }

  }

  /* SMALL MOBILE */

  @media (max-width: 480px) {

    .why-content h2 {
      font-size: 32px;
    }

    .why-call-btn {
      width: 100%;
    }

  }

  /* ========================================
   HOW IT WORKS
======================================== */

.how-it-works {
    padding: 95px 20px;
    background: #ffffff;
  }

  .process-container {
    max-width: 1240px;
    margin: 0 auto;
  }

  /* HEADING */

  .process-heading {
    max-width: 720px;

    margin: 0 auto 65px;

    text-align: center;
  }

  .process-label {
    display: inline-block;

    margin-bottom: 14px;

    color: #f47f00;

    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2.5px;
  }

  .process-heading h2 {
    margin: 0;

    color: #082f54;

    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.12;
    letter-spacing: -1.8px;
    font-weight: 800;
  }

  .process-heading p {
    max-width: 650px;

    margin: 18px auto 0;

    color: #687789;

    font-size: 16px;
    line-height: 1.75;
  }

  /* STEPS WRAPPER */

  .process-steps {
    position: relative;

    display: grid;
    grid-template-columns: repeat(3, 1fr);

    gap: 40px;
  }

  /* CONNECTING LINE */

  .process-line {
    position: absolute;

    top: 48px;
    left: 16.5%;
    right: 16.5%;

    height: 2px;

    background: #dce6ee;

    z-index: 1;
  }

  /* STEP */

  .process-step {
    position: relative;
    z-index: 2;

    text-align: center;

    padding: 0 24px;
  }

  /* ICON */

  .process-icon {
    width: 78px;
    height: 78px;

    margin: 0 auto;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 22px;

    color: #0a4f86;
    background: #f2f7fb;

    border: 1px solid #dce7ef;

    box-shadow:
      0 12px 28px rgba(7, 62, 111, 0.08);

    transition:
      transform 0.3s ease,
      background 0.3s ease,
      color 0.3s ease;
  }

  .process-icon svg {
    width: 34px;
    height: 34px;
  }

  .process-step:hover .process-icon {
    transform: translateY(-5px);

    color: #ffffff;

    background: #073e70;
  }

  /* ORANGE DOT */

  .process-dot {
    width: 16px;
    height: 16px;

    margin: 17px auto 18px;

    border: 4px solid #ffffff;
    border-radius: 50%;

    background: #ff8500;

    box-shadow:
      0 0 0 2px rgba(255, 133, 0, 0.15);
  }

  /* STEP NUMBER */

  .step-number {
    display: inline-block;

    margin-bottom: 10px;

    color: #f47f00;

    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.8px;
  }

  /* TITLE */

  .process-step h3 {
    margin: 0 0 12px;

    color: #082f54;

    font-size: 20px;
    line-height: 1.35;
    font-weight: 800;
  }

  /* DESCRIPTION */

  .process-step p {
    max-width: 310px;

    margin: 0 auto;

    color: #6a7888;

    font-size: 15px;
    line-height: 1.75;
  }

  /* ========================================
     TABLET
  ======================================== */

  @media (max-width: 900px) {

    .process-steps {
      gap: 20px;
    }

    .process-step {
      padding: 0 10px;
    }

    .process-heading {
      margin-bottom: 55px;
    }

  }

  /* ========================================
     MOBILE
  ======================================== */

  @media (max-width: 700px) {

    .how-it-works {
      padding: 70px 18px;
    }

    .process-heading {
      margin-bottom: 45px;
    }

    .process-heading h2 {
      font-size: 34px;
      letter-spacing: -1.2px;
    }

    .process-heading p {
      font-size: 15px;
    }

    /* VERTICAL TIMELINE */

    .process-steps {
      display: block;

      max-width: 520px;

      margin: 0 auto;
    }

    .process-line {
      top: 42px;
      bottom: 42px;

      left: 39px;
      right: auto;

      width: 2px;
      height: auto;
    }

    .process-step {
      position: relative;

      min-height: 180px;

      padding:
        0 0
        45px
        105px;

      text-align: left;
    }

    .process-step:last-child {
      padding-bottom: 0;
    }

    .process-icon {
      position: absolute;

      left: 0;
      top: 0;

      width: 78px;
      height: 78px;

      margin: 0;
    }

    .process-dot {
      position: absolute;

      left: 31px;
      top: 82px;

      margin: 0;
    }

    .step-number {
      margin-top: 4px;
    }

    .process-step h3 {
      font-size: 19px;
    }

    .process-step p {
      max-width: none;

      margin: 0;
    }

  }

  /* ========================================
     SMALL MOBILE
  ======================================== */

  @media (max-width: 480px) {

    .process-heading h2 {
      font-size: 31px;
    }

    .process-step {
      padding-left: 90px;
    }

    .process-icon {
      width: 66px;
      height: 66px;

      border-radius: 18px;
    }

    .process-icon svg {
      width: 29px;
      height: 29px;
    }

    .process-line {
      left: 32px;
    }

    .process-dot {
      left: 24px;
      top: 72px;
    }

  }

/* ========================================
   ANIMATIONS & INTERACTIONS
======================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
  will-change: opacity, transform;
}

.reveal.visible,
.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

.hero-btn,
.why-call-btn,
.btn,
.coverage-btn {
  position: relative;
  overflow: hidden;
}

.hero-btn::before,
.why-call-btn::before,
.btn::before,
.coverage-btn::before {
  content: "";
  position: absolute;
  top: 0;
  left: -120%;
  width: 55%;
  height: 100%;
  background: linear-gradient(120deg, transparent, rgba(255, 255, 255, 0.34), transparent);
  transform: skewX(-20deg);
  transition: left 0.55s ease;
  pointer-events: none;
}

.hero-btn:hover::before,
.why-call-btn:hover::before,
.btn:hover::before,
.coverage-btn:hover::before {
  left: 140%;
}

.hero-car { animation: carFloat 4.5s ease-in-out infinite; }

@keyframes carFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-9px); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
  .reveal {
    opacity: 1 !important;
    transform: none !important;
  }
}

/* =========================================================
   DOCUMENTS REQUIRED SECTION
========================================================= */

.documents-section {
    padding: 95px 20px;

    background:
      linear-gradient(
        180deg,
        #f7fafc 0%,
        #ffffff 100%
      );
  }

  .documents-container {
    max-width: 1240px;
    margin: 0 auto;
  }

  /* =========================================================
     SECTION HEADING
  ========================================================= */

  .documents-heading {
    max-width: 720px;

    margin: 0 auto 55px;

    text-align: center;
  }

  .documents-label {
    display: inline-block;

    margin-bottom: 14px;

    color: #f47f00;

    font-size: 13px;
    font-weight: 800;

    letter-spacing: 2.5px;
  }

  .documents-heading h2 {
    margin: 0;

    color: #082f54;

    font-size: clamp(36px, 4vw, 50px);
    line-height: 1.12;

    font-weight: 800;

    letter-spacing: -1.7px;
  }

  .documents-heading p {
    max-width: 650px;

    margin: 18px auto 0;

    color: #697889;

    font-size: 16px;
    line-height: 1.75;
  }

  /* =========================================================
     DOCUMENT GRID
  ========================================================= */

  .documents-grid {
    display: grid;

    grid-template-columns: repeat(4, 1fr);

    gap: 20px;
  }

  /* =========================================================
     DOCUMENT CARD
  ========================================================= */

  .document-card {
    position: relative;

    min-height: 265px;

    padding: 30px;

    overflow: hidden;

    border: 1px solid #dfe7ee;
    border-radius: 18px;

    background: #ffffff;

    transition:
      transform 0.35s ease,
      box-shadow 0.35s ease,
      border-color 0.35s ease;
  }

  .document-card:hover {
    transform: translateY(-7px);

    border-color:
      rgba(255, 133, 0, 0.45);

    box-shadow:
      0 20px 45px rgba(7, 62, 111, 0.10);
  }

  /* =========================================================
     ICON
  ========================================================= */

  .document-icon {
    width: 58px;
    height: 58px;

    margin-bottom: 28px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 15px;

    color: #084b80;

    background: #fff3e5;

    transition:
      transform 0.3s ease,
      background 0.3s ease,
      color 0.3s ease;
  }

  .document-icon svg {
    width: 29px;
    height: 29px;
  }

  .document-card:hover .document-icon {
    transform: translateY(-4px) scale(1.06);

    color: #ffffff;

    background: #ff8500;
  }

  /* =========================================================
     CARD NUMBER
  ========================================================= */

  .document-number {
    position: absolute;

    top: 27px;
    right: 28px;

    color: #d7e0e8;

    font-size: 26px;
    font-weight: 800;
  }

  /* =========================================================
     CARD TEXT
  ========================================================= */

  .document-card h3 {
    margin: 0 0 10px;

    color: #082f54;

    font-size: 19px;
    line-height: 1.35;

    font-weight: 800;
  }

  .document-card p {
    margin: 0;

    color: #6b7989;

    font-size: 14px;
    line-height: 1.75;
  }

  /* =========================================================
     FEATURED CARD
  ========================================================= */

  .featured-document {
    border-color: transparent;

    background:
      linear-gradient(
        135deg,
        #073e70,
        #0b558c
      );
  }

  .featured-document h3 {
    color: #ffffff;
  }

  .featured-document p {
    color:
      rgba(255, 255, 255, 0.75);
  }

  .featured-document .document-icon {
    color: #ffffff;

    background: #ff8500;
  }

  .featured-document .document-number {
    color:
      rgba(255, 255, 255, 0.15);
  }

  .featured-document:hover {
    border-color: transparent;
  }

  /* =========================================================
     INFORMATION NOTE
  ========================================================= */

  .documents-note {
    max-width: 780px;

    margin: 35px auto 0;

    padding: 15px 20px;

    display: flex;
    align-items: center;
    justify-content: center;

    gap: 12px;

    border: 1px solid #e0e8ef;
    border-radius: 12px;

    background: #ffffff;
  }

  .documents-note-icon {
    flex-shrink: 0;

    width: 27px;
    height: 27px;

    display: flex;
    align-items: center;
    justify-content: center;

    border-radius: 50%;

    color: #ffffff;

    background: #ff8500;

    font-size: 12px;
    font-weight: 800;
  }

  .documents-note p {
    margin: 0;

    color: #687687;

    font-size: 13px;
    line-height: 1.6;
  }

  /* =========================================================
     TABLET
  ========================================================= */

  @media (max-width: 1000px) {

    .documents-grid {
      grid-template-columns:
        repeat(2, 1fr);
    }

  }

  /* =========================================================
     MOBILE
  ========================================================= */

  @media (max-width: 650px) {

    .documents-section {
      padding: 70px 18px;
    }

    .documents-heading {
      margin-bottom: 38px;
    }

    .documents-heading h2 {
      font-size: 34px;

      letter-spacing: -1.2px;
    }

    .documents-heading p {
      font-size: 15px;
    }

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

    .document-card {
      min-height: auto;

      padding: 25px;
    }

    .documents-note {
      align-items: flex-start;
    }

  }

  /* =========================================================
   COVERAGE COMPARISON SECTION
========================================================= */

.coverage-section {
    position: relative;

    padding: 100px 20px;

    overflow: hidden;

    background:
      radial-gradient(
        circle at 8% 15%,
        rgba(7, 62, 112, 0.06),
        transparent 25%
      ),
      radial-gradient(
        circle at 92% 85%,
        rgba(255, 133, 0, 0.08),
        transparent 25%
      ),
      #f7fafc;
  }

  .coverage-container {
    max-width: 1180px;
    margin: 0 auto;
  }

  /* =========================================================
     SECTION HEADING
  ========================================================= */

  .coverage-heading {
    max-width: 760px;

    margin: 0 auto 60px;

    text-align: center;
  }

  .coverage-label {
    display: inline-block;

    margin-bottom: 14px;

    color: #f47f00;

    font-size: 13px;
    font-weight: 800;

    letter-spacing: 2.5px;
  }

  .coverage-heading h2 {
    margin: 0;

    color: #082f54;

    font-size: clamp(37px, 4vw, 52px);

    line-height: 1.12;

    font-weight: 800;

    letter-spacing: -1.8px;
  }

  .coverage-heading h2 span {
    color: #0b4e83;
  }

  .coverage-heading p {
    max-width: 650px;

    margin: 18px auto 0;

    color: #697889;

    font-size: 16px;

    line-height: 1.75;
  }

  /* =========================================================
     COMPARISON WRAPPER
  ========================================================= */

  .coverage-comparison {
    position: relative;

    display: grid;

    grid-template-columns:
      minmax(0, 1fr)
      minmax(0, 1fr);

    gap: 30px;

    align-items: stretch;
  }

  /* =========================================================
     COVERAGE CARDS
  ========================================================= */

  .coverage-card {
    position: relative;

    display: flex;
    flex-direction: column;

    min-height: 610px;

    padding: 38px;

    border-radius: 22px;

    transition:
      transform 0.35s ease,
      box-shadow 0.35s ease,
      border-color 0.35s ease;
  }

  .coverage-card:hover {
    transform: translateY(-7px);
  }

  /* =========================================================
     THIRD PARTY CARD
  ========================================================= */

  .third-party-card {
    border: 1px solid #dce6ee;

    background: #ffffff;

    box-shadow:
      0 15px 40px rgba(7, 62, 111, 0.06);
  }

  .third-party-card:hover {
    border-color:
      rgba(255, 133, 0, 0.45);

    box-shadow:
      0 22px 50px rgba(7, 62, 111, 0.10);
  }

  /* =========================================================
     COMPREHENSIVE CARD
  ========================================================= */

  .comprehensive-card {
    border: 1px solid transparent;

    background:
      linear-gradient(
        145deg,
        #073b68,
        #0a5388
      );

    box-shadow:
      0 20px 50px rgba(4, 49, 86, 0.18);
  }

  .comprehensive-card:hover {
    box-shadow:
      0 28px 60px rgba(4, 49, 86, 0.25);
  }

  /* =========================================================
     RECOMMENDED TAG
  ========================================================= */

  .recommended-tag {
    position: absolute;

    top: 18px;
    right: 20px;

    padding: 7px 12px;

    border-radius: 30px;

    background: #ff8500;

    color: #ffffff;

    font-size: 10px;

    font-weight: 800;

    letter-spacing: 1px;
  }

  /* =========================================================
     CARD TOP AREA
  ========================================================= */

  .coverage-card-top {
    display: flex;

    align-items: center;

    gap: 16px;

    margin-bottom: 25px;
  }

  /* =========================================================
     ICON
  ========================================================= */

  .coverage-icon {
    flex-shrink: 0;

    width: 62px;
    height: 62px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 17px;

    color: #074777;

    background: #fff2e4;
  }

  .coverage-icon svg {
    width: 31px;
    height: 31px;
  }

  .comprehensive-icon {
    color: #ffffff;

    background: #ff8500;
  }

  /* =========================================================
     CARD TITLE
  ========================================================= */

  .coverage-type {
    display: block;

    margin-bottom: 5px;

    color: #f47f00;

    font-size: 10px;

    font-weight: 800;

    letter-spacing: 1.3px;
  }

  .coverage-card h3 {
    margin: 0;

    color: #082f54;

    font-size: 23px;

    line-height: 1.3;

    font-weight: 800;
  }

  .comprehensive-card h3 {
    color: #ffffff;
  }

  .comprehensive-card .coverage-type {
    color: #ff9f33;
  }

  /* =========================================================
     INTRO TEXT
  ========================================================= */

  .coverage-intro {
    margin: 0 0 28px;

    padding-bottom: 25px;

    border-bottom: 1px solid #e4ebf1;

    color: #697889;

    font-size: 14px;

    line-height: 1.75;
  }

  .comprehensive-card .coverage-intro {
    border-color:
      rgba(255, 255, 255, 0.14);

    color:
      rgba(255, 255, 255, 0.72);
  }

  /* =========================================================
     FEATURES
  ========================================================= */

  .coverage-features {
    display: flex;

    flex-direction: column;

    gap: 16px;

    margin-bottom: 35px;
  }

  .coverage-feature {
    display: flex;

    align-items: flex-start;

    gap: 12px;
  }

  .coverage-feature > span {
    flex-shrink: 0;

    width: 24px;
    height: 24px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 50%;

    font-size: 12px;

    font-weight: 900;
  }

  .coverage-feature p {
    margin: 1px 0 0;

    color: #536273;

    font-size: 14px;

    line-height: 1.55;
  }

  /* POSITIVE */

  .coverage-feature.positive > span {
    color: #ffffff;

    background: #ff8500;
  }

  /* NEGATIVE */

  .coverage-feature.negative > span {
    color: #b25050;

    background: #fdecec;
  }

  .coverage-feature.negative p {
    color: #7c7474;
  }

  /* DARK CARD FEATURES */

  .comprehensive-card .coverage-feature p {
    color:
      rgba(255, 255, 255, 0.82);
  }

  /* =========================================================
     BUTTON
  ========================================================= */

  .coverage-btn {
    position: relative;

    min-height: 53px;

    margin-top: auto;

    padding: 0 22px;

    overflow: hidden;

    display: inline-flex;

    align-items: center;
    justify-content: center;

    border-radius: 11px;

    font-size: 14px;

    font-weight: 800;

    text-decoration: none;

    transition:
      transform 0.3s ease,
      box-shadow 0.3s ease,
      background 0.3s ease;
  }

  .coverage-btn:hover {
    transform: translateY(-3px);
  }

  /* OUTLINE BUTTON */

  .outline-btn {
    border: 1.5px solid #0a4d80;

    color: #0a4d80;

    background: #ffffff;
  }

  .outline-btn:hover {
    color: #ffffff;

    background: #0a4d80;

    box-shadow:
      0 12px 28px rgba(7, 62, 111, 0.16);
  }

  /* ORANGE BUTTON */

  .primary-coverage-btn {
    color: #ffffff;

    background:
      linear-gradient(
        135deg,
        #ff9300,
        #f57600
      );

    box-shadow:
      0 12px 28px rgba(255, 128, 0, 0.23);
  }

  .primary-coverage-btn:hover {
    box-shadow:
      0 17px 35px rgba(255, 128, 0, 0.34);
  }

  /* =========================================================
     VS CIRCLE
  ========================================================= */

  .coverage-vs {
    position: absolute;

    z-index: 10;

    top: 50%;
    left: 50%;

    width: 54px;
    height: 54px;

    transform:
      translate(-50%, -50%);

    display: flex;

    align-items: center;
    justify-content: center;

    border: 6px solid #f7fafc;

    border-radius: 50%;

    color: #ffffff;

    background:
      linear-gradient(
        135deg,
        #ff9300,
        #f57600
      );

    font-size: 12px;

    font-weight: 900;

    letter-spacing: 0.8px;

    box-shadow:
      0 10px 25px rgba(255, 128, 0, 0.25);
  }

  /* =========================================================
     DISCLAIMER / NOTE
  ========================================================= */

  .coverage-note {
    max-width: 850px;

    margin: 38px auto 0;

    padding: 16px 20px;

    display: flex;

    align-items: flex-start;

    gap: 12px;

    border: 1px solid #dfe7ee;

    border-radius: 12px;

    background: #ffffff;
  }

  .coverage-note-icon {
    flex-shrink: 0;

    width: 26px;
    height: 26px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 50%;

    color: #ffffff;

    background: #074777;

    font-size: 12px;

    font-weight: 800;
  }

  .coverage-note p {
    margin: 1px 0 0;

    color: #687687;

    font-size: 12px;

    line-height: 1.65;
  }

  /* =========================================================
     TABLET
  ========================================================= */

  @media (max-width: 850px) {

    .coverage-comparison {
      grid-template-columns: 1fr;

      gap: 55px;
    }

    .coverage-vs {
      top: 50%;
    }

    .coverage-card {
      min-height: auto;
    }

  }

  /* =========================================================
     MOBILE
  ========================================================= */

  @media (max-width: 650px) {

    .coverage-section {
      padding: 70px 18px;
    }

    .coverage-heading {
      margin-bottom: 40px;
    }

    .coverage-heading h2 {
      font-size: 34px;

      letter-spacing: -1.2px;
    }

    .coverage-heading h2 span {
      display: block;
    }

    .coverage-heading p {
      font-size: 15px;
    }

    .coverage-card {
      padding: 28px 22px;

      border-radius: 18px;
    }

    .coverage-card-top {
      padding-right: 0;
    }

    .coverage-icon {
      width: 54px;
      height: 54px;
    }

    .coverage-card h3 {
      font-size: 20px;
    }

    .recommended-tag {
      position: static;

      width: fit-content;

      margin-bottom: 20px;
    }

    .coverage-vs {
      top: 50%;

      width: 50px;
      height: 50px;

      border-width: 5px;
    }

    .coverage-note {
      padding: 14px 16px;
    }

  }

  @media (max-width: 640px) {

    body {
      padding-bottom: 0 !important;
    }
  
    .site-footer {
      padding-bottom: 85px;
    }
  
    .floating-call {
      display: inline-flex;
      position: fixed;
      right: 18px;
      bottom: 18px;
      z-index: 999;
    }
  
  }