/* ===== GLOBAL STYLES & VARIABLES ===== */
:root {
  --primary: #0B1F3A;
  --accent-1: #28A745;
  --accent-2: #DC3545;
  --text-color: #333333;
  --text-light: #F8F9FA;
  
  --glass-bg: rgba(255, 255, 255, 0.15);
  --glass-border: rgba(255, 255, 255, 0.15);
  --glass-dark-bg: rgba(11, 31, 58, 0.6);
  
  --radius-lg: 18px;
  --radius-md: 12px;
}

body {
  font-family: 'Poppins', 'Inter', sans-serif;
  color: var(--text-color);
  background-color: #f4f7f6;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
}

a {
  text-decoration: none;
  transition: all 0.3s ease;
}

/* ===== GLASSMORPHISM UTILITIES ===== */
.glass-panel {
  background: var(--glass-bg);
  backdrop-filter: blur(15px);
  -webkit-backdrop-filter: blur(15px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 32px 0 rgba(0, 0, 0, 0.1);
  color: #fff;
}

.glass-panel-dark {
  background: var(--glass-dark-bg);
  backdrop-filter: blur(15px);
  -webkit-backdrop-filter: blur(15px);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 32px 0 rgba(0, 0, 0, 0.3);
  color: #fff;
}

.glass-card {
  background: var(--glass-bg);
  backdrop-filter: blur(15px);
  -webkit-backdrop-filter: blur(15px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.glass-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 40px 0 rgba(0, 0, 0, 0.15);
}

.glass-card-dark {
  background: rgba(255, 255, 255, 0.95);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: 0 4px 15px rgba(0,0,0,0.05);
  border: none;
  transition: transform 0.3s ease;
}

.glass-card-dark:hover {
  transform: translateY(-5px);
}

/* ===== COMPONENTS ===== */
/* Buttons */
.btn-primary-custom {
  background-color: var(--accent-1);
  color: white;
  border: none;
  border-radius: 50px;
  padding: 12px 30px;
  font-weight: 600;
  box-shadow: 0 4px 15px rgba(40, 167, 69, 0.3);
}

.btn-primary-custom:hover {
  background-color: #218838;
  color: white;
  box-shadow: 0 6px 20px rgba(40, 167, 69, 0.4);
}

.btn-glass-outline {
  background-color: transparent;
  color: white;
  border: 2px solid white;
  border-radius: 50px;
  padding: 10px 28px;
  font-weight: 600;
  backdrop-filter: blur(5px);
  -webkit-backdrop-filter: blur(5px);
}

.btn-glass-outline:hover {
  background-color: white;
  color: var(--primary);
}

/* Navbar */
.navbar-glass {
  background: transparent;
  transition: background 0.4s ease, padding 0.4s ease;
  padding: 20px 0;
}

.navbar-glass.scrolled {
  background: var(--primary);
  padding: 10px 0;
  box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}

.navbar-dark .navbar-nav .nav-link {
  color: rgba(255, 255, 255, 0.9);
  font-weight: 500;
  margin: 0 10px;
}

.navbar-dark .navbar-nav .nav-link:hover,
.navbar-dark .navbar-nav .nav-link.active {
  color: var(--accent-1);
}

.navbar-toggler {
  border: none;
  color: white;
}

.navbar-toggler:focus {
  box-shadow: none;
}

/* Mobile Menu Styling */
@media (max-width: 991.98px) {
  .navbar-collapse {
    background: rgba(11, 31, 58, 0.95);
    backdrop-filter: blur(15px);
    -webkit-backdrop-filter: blur(15px);
    border-radius: var(--radius-lg);
    padding: 1rem;
    margin-top: 15px;
    box-shadow: 0 10px 25px rgba(0,0,0,0.2);
  }
  .navbar-nav {
    text-align: center;
  }
  .navbar-nav .nav-link {
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
  }
  .navbar-nav .nav-link:last-child {
    border-bottom: none;
  }
}

/* ===== SECTIONS ===== */

/* 1. Hero Banner */
.hero-section {
  position: relative;
  height: 100vh;
  min-height: 700px;
  background-image: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=2070&auto=format&fit=crop'); /* Unsplash Architecture/Corporate */
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  display: flex;
  align-items: center;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(to right, rgba(11, 31, 58, 0.9) 0%, rgba(11, 31, 58, 0.4) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 3rem;
  max-width: 600px;
}

.hero-title {
  font-size: 4rem;
  font-weight: 800;
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

/* Authority Strip */
.authority-strip {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  justify-content: space-around;
  width: 80%;
  max-width: 900px;
  padding: 20px;
}

.authority-item {
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.2);
  flex: 1;
}

.authority-item:last-child {
  border-right: none;
}

.authority-value {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--accent-1);
}

.authority-label {
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.8);
}

@media (max-width: 768px) {
  .hero-section { height: auto; min-height: 100vh; padding: 120px 0 250px 0; }
  .hero-title { font-size: 2.2rem; }
  .hero-content { padding: 1.5rem; max-width: 100%; }
  .authority-strip { width: 95%; flex-direction: column; bottom: 15px; padding: 10px; }
  .authority-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.2); padding: 15px 0; }
  .authority-item:last-child { border-bottom: none; }
  
  .who-we-are, .smart-savings, .insurance-hub, .why-us, .reviews, .process-section { padding: 60px 0; }
  
  .quote-hub { margin-top: 10px; padding: 30px 0; }
  .toggle-container { width: 100%; flex-direction: column; border-radius: 20px; padding: 10px; }
  .toggle-btn { width: 100%; text-align: center; margin-bottom: 5px; }
  
  .display-5 { font-size: 2.4rem; }
}

/* 2. Who We Are */
.who-we-are {
  padding: 100px 0;
  background-color: white;
}

.about-img-box {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 40px rgba(0,0,0,0.1);
}

.about-img-box img {
  width: 100%;
  height: auto;
  transition: transform 0.5s ease;
}

.about-img-box:hover img {
  transform: scale(1.05);
}

.feature-list {
  list-style: none;
  padding: 0;
}

.feature-list li {
  margin-bottom: 15px;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
}

.feature-list .icon {
  color: var(--accent-1);
  margin-right: 15px;
  font-size: 1.4rem;
}

/* 3. Smart Savings */
.smart-savings {
  padding: 100px 0;
  background: var(--primary);
  color: white;
  position: relative;
}

.tag-urgent {
  position: absolute;
  top: -15px;
  right: -15px;
  background: var(--accent-2);
  color: white;
  padding: 5px 15px;
  border-radius: 20px;
  font-weight: bold;
  font-size: 0.8rem;
  box-shadow: 0 4px 10px rgba(220, 53, 69, 0.4);
}

.savings-card {
  position: relative;
  text-align: center;
  height: 100%;
}

.savings-card .icon-box {
  width: 70px;
  height: 70px;
  background: rgba(40, 167, 69, 0.1);
  color: var(--accent-1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
}

/* 4. Dynamic Quote Hub */
.quote-hub {
  padding: 60px 0;
  margin-top: -50px;
  position: relative;
  z-index: 10;
}

.toggle-container {
  display: flex;
  background: rgba(255,255,255,0.1);
  border-radius: 50px;
  padding: 5px;
  width: max-content;
  margin: 0 auto 30px;
}

.toggle-btn {
  padding: 10px 30px;
  border-radius: 50px;
  cursor: pointer;
  font-weight: 600;
  color: white;
  transition: all 0.3s ease;
}

.toggle-btn.active {
  background: var(--accent-1);
  color: white;
}

/* 5. Insurance Hub */
.insurance-hub {
  padding: 100px 0;
  background: url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?q=80&w=2070&auto=format&fit=crop') center/cover fixed; /* Unsplash Papers/Insurance background */
  position: relative;
}

.insurance-hub::before {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(244, 247, 246, 0.9);
}

.service-card {
  text-align: center;
  margin-bottom: 30px;
}

.service-icon {
  font-size: 2.5rem;
  color: var(--primary);
  margin-bottom: 20px;
}

.call-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--primary);
  font-weight: 600;
  margin-top: 15px;
}

.call-btn:hover {
  color: var(--accent-1);
}

/* 6. Why Us */
.why-us {
  padding: 80px 0;
  background: white;
}

.usp-box {
  text-align: center;
  padding: 30px 20px;
}

.usp-icon {
  font-size: 3rem;
  color: var(--accent-1);
  margin-bottom: 20px;
}

/* 7. Reviews */
.reviews {
  padding: 100px 0;
  background: var(--primary);
  color: white;
}

.review-card {
  display: flex;
  flex-direction: column;
  color: white;
}

.review-avatar {
  width: 46px;
  height: 46px;
  min-width: 46px;
  background: rgba(40, 167, 69, 0.2);
  border: 2px solid var(--accent-1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-1);
  font-size: 1.1rem;
}

.stars {
  color: #FFD700;
}

/* 8. Process & Social Feed */
.process-section {
  padding: 100px 0 50px 0;
  background: white;
}

.timeline {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-bottom: 60px;
}

.timeline::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: rgba(11, 31, 58, 0.1);
  z-index: 1;
}

.step {
  text-align: center;
  position: relative;
  z-index: 2;
  flex: 1;
}

.step-num {
  width: 80px;
  height: 80px;
  background: white;
  border: 2px solid var(--accent-1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: bold;
  color: var(--primary);
  margin: 0 auto 20px;
  box-shadow: 0 5px 15px rgba(0,0,0,0.05);
}

@media (max-width: 768px) {
  .timeline { flex-direction: column; }
  .timeline::before {
    top: 0; bottom: 0; left: 50%; right: auto;
    width: 2px; height: auto; transform: translateX(-50%);
  }
  .step { margin-bottom: 30px; }
}

.live-ticker {
  background: var(--primary);
  color: white;
  padding: 15px 0;
  overflow: hidden;
  white-space: nowrap;
}

.ticker-content {
  display: inline-block;
  padding-left: 100%;
  animation: ticker 25s linear infinite;
}

.ticker-item {
  display: inline-block;
  margin-right: 50px;
  font-size: 0.95rem;
}

.ticker-item i {
  color: var(--accent-1);
  margin-right: 8px;
}

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

/* Insurance Detail Sections */
.ins-section {
  padding: 90px 0;
}

.ins-alt {
  background: #f4f7f6;
}

.ins-icon-wrap {
  width: 70px;
  height: 70px;
  background: rgba(11, 31, 58, 0.08);
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  color: var(--primary);
}

.ins-img-box {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0,0,0,0.12);
}

.ins-img-box img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}

.ins-img-box:hover img {
  transform: scale(1.04);
}

.ins-badge {
  position: absolute;
  top: 20px;
  left: 20px;
  background: var(--accent-1);
  color: white;
  padding: 6px 18px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 0.85rem;
  box-shadow: 0 4px 12px rgba(40,167,69,0.35);
}

.ins-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.ins-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(0,0,0,0.05);
  color: #444;
  font-size: 0.97rem;
}

.ins-list li:last-child {
  border-bottom: none;
}

.ins-list li i {
  color: var(--accent-1);
  font-size: 1rem;
  flex-shrink: 0;
}

.btn-outline-ins {
  border: 2px solid var(--primary);
  color: var(--primary);
  border-radius: 50px;
  padding: 10px 28px;
  font-weight: 600;
}

.btn-outline-ins:hover {
  background: var(--primary);
  color: white;
}

/* Secondary Pages Specifics */
.page-header {
  padding: 150px 0 80px 0;
  background: var(--primary);
  color: white;
  text-align: center;
}

.contact-sidebar {
  background: var(--primary);
  color: white;
  padding: 40px;
  border-radius: var(--radius-lg);
  height: 100%;
}

.contact-sidebar h4 {
  color: var(--accent-1);
}

.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 80px 15px;
  background: white;
  box-shadow: 0 5px 30px rgba(0,0,0,0.05);
  border-radius: var(--radius-lg);
  margin-top: -60px;
  position: relative;
  z-index: 10;
}

.stats-counter {
  background: var(--accent-1);
  color: white;
  padding: 60px 0;
}

.stat-item h3 {
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 5px;
}

.stat-item .counter-value {
  font-size: 1.6rem;
}

.stats-counter {
  padding: 30px 0;
}

/* Footer Section */
.footer-wrap {
  background: var(--primary);
  color: rgba(255,255,255,0.8);
  padding: 80px 0 20px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.footer-logo {
  font-size: 1.5rem;
  font-weight: 800;
  color: white;
  margin-bottom: 20px;
}

.footer-logo span {
  color: var(--accent-1);
}

.footer-links {
  list-style: none;
  padding: 0;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: rgba(255,255,255,0.8);
}

.footer-links a:hover {
  color: var(--accent-1);
  padding-left: 5px;
}

.footer-bottom {
  text-align: center;
  padding-top: 30px;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 50px;
  font-size: 0.9rem;
}