/* ==========================================================================
   Kum Sigorta - main stylesheet
   Brand: PANTONE 287 U (#2B5A96) + sand accent
   ========================================================================== */

:root {
  --navy-900: #071a33;
  --navy-800: #0b2447;
  --navy-700: #19376d;
  --blue: #2b5a96;
  --blue-500: #3a6db0;
  --blue-300: #a9c4ec;
  --blue-100: #dde8f6;
  --blue-50: #f2f6fc;
  --sand: #d9b77e;
  --sand-600: #b8925a;
  --sand-100: #f6ecdc;
  --ink: #13203a;
  --muted: #5b6578;
  --line: #e3e9f2;
  --white: #fff;

  --font-head: "Montserrat", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;

  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 2px 6px rgba(11, 36, 71, .06);
  --shadow: 0 12px 32px -12px rgba(11, 36, 71, .18);
  --shadow-lg: 0 30px 60px -20px rgba(11, 36, 71, .35);
  --ease: cubic-bezier(.2, .7, .2, 1);

  --container: 1240px;
  --header-h: 78px;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; cursor: pointer; background: none; border: 0; padding: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.02em; color: var(--navy-800); }
h2 { font-size: clamp(1.75rem, 1.2rem + 2vw, 2.6rem); font-weight: 700; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
em { font-style: normal; color: var(--blue); }
:focus-visible { outline: 3px solid var(--sand); outline-offset: 3px; border-radius: 6px; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 24px; }
.skip-link { position: absolute; left: 16px; top: -60px; z-index: 1000; background: var(--navy-800); color: #fff; padding: 10px 16px; border-radius: 8px; transition: top .2s; }
.skip-link:focus { top: 12px; }

.icon { width: 22px; height: 22px; flex: none; }
.icon--sm { width: 18px; height: 18px; }
.icon--xs { width: 14px; height: 14px; }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--blue); --fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  padding: .95em 1.6em; border-radius: 999px;
  font-family: var(--font-head); font-weight: 600; font-size: .95rem; line-height: 1;
  background: var(--bg); color: var(--fg); border: 1.5px solid transparent;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s, border-color .25s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 24px -10px rgba(11, 36, 71, .45); }
.btn .icon { transition: transform .25s var(--ease); }
.btn:hover .icon { transform: translateX(3px); }
.btn--primary { --bg: var(--blue); }
.btn--primary:hover { --bg: var(--navy-700); }
.btn--sand { --bg: var(--sand); --fg: var(--navy-900); }
.btn--sand:hover { --bg: #e4c590; box-shadow: 0 12px 28px -10px rgba(217, 183, 126, .7); }
.btn--ghost { --bg: rgba(255, 255, 255, .06); --fg: #fff; border-color: rgba(255, 255, 255, .35); backdrop-filter: blur(6px); }
.btn--ghost:hover { --bg: rgba(255, 255, 255, .14); border-color: #fff; }
.btn--sm { padding: .75em 1.25em; font-size: .88rem; }
.btn--block { width: 100%; }

.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-family: var(--font-head); font-weight: 600; color: var(--blue); }
.link-arrow:hover .icon { transform: translateX(3px); }
.link-arrow .icon { transition: transform .25s var(--ease); }

.eyebrow {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--font-head); font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 1rem;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--sand); border-radius: 2px; }
.eyebrow--light { color: var(--sand); }
.hero .eyebrow::before { display: none; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy-900); color: rgba(255, 255, 255, .75); font-size: .82rem; }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; min-height: 40px; gap: 24px; }
.topbar__tagline { margin: 0; }
.topbar__list { display: flex; gap: 24px; }
.topbar__list li, .topbar__list a { display: inline-flex; align-items: center; gap: 8px; }
.topbar__list a:hover { color: #fff; }
.topbar .icon { width: 15px; height: 15px; color: var(--sand); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: saturate(1.6) blur(14px);
  -webkit-backdrop-filter: saturate(1.6) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow .3s, border-color .3s;
}
.site-header.is-scrolled { box-shadow: 0 10px 30px -18px rgba(11, 36, 71, .35); border-color: var(--line); }
.site-header__inner { display: flex; align-items: center; gap: 32px; height: var(--header-h); }

.brand { display: inline-flex; color: var(--blue); flex: none; }
.brand .logo-svg { height: 46px; width: auto; }
.brand--light { color: #fff; }

.main-nav { margin-left: auto; }
.main-nav__list { display: flex; align-items: center; gap: 4px; }
.main-nav__list > li { position: relative; }
.main-nav__link {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 10px 14px; border-radius: 999px;
  font-family: var(--font-head); font-weight: 600; font-size: .93rem; color: var(--navy-800);
  transition: background .2s, color .2s;
}
.main-nav__link:hover, .has-dropdown.is-open > .main-nav__link { background: var(--blue-50); color: var(--blue); }
.main-nav__link .icon { transition: transform .25s var(--ease); }
.has-dropdown.is-open > .main-nav__link .icon { transform: rotate(180deg); }

.dropdown, .mega {
  position: absolute; top: calc(100% + 14px); left: 50%;
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  opacity: 0; visibility: hidden; transform: translate(-50%, 8px);
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.dropdown::before, .mega::before { content: ""; position: absolute; inset: -16px 0 auto; height: 16px; }
.has-dropdown.is-open > .dropdown, .has-dropdown.is-open > .mega { opacity: 1; visibility: visible; transform: translate(-50%, 0); }

.dropdown { width: 320px; padding: 10px; }
.dropdown__item { display: flex; gap: 14px; align-items: center; padding: 12px; border-radius: 12px; transition: background .2s; }
.dropdown__item:hover { background: var(--blue-50); }
.dropdown__item strong { display: block; font-family: var(--font-head); font-size: .95rem; color: var(--navy-800); }
.dropdown__item small { color: var(--muted); font-size: .82rem; }
.dropdown__icon { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--blue-50); color: var(--blue); flex: none; }

.has-mega { position: static !important; }
.mega {
  left: 50%; width: min(1180px, calc(100vw - 48px));
  display: grid; grid-template-columns: 1fr 280px; overflow: hidden;
}
.mega__cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; padding: 28px; }
.mega__title { font-family: var(--font-head); font-size: .74rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--sand-600); margin-bottom: 10px; padding-left: 10px; }
.mega__col a { display: flex; align-items: center; gap: 10px; padding: 8px 10px; line-height: 1.35; border-radius: 10px; font-size: .9rem; font-weight: 500; color: var(--ink); transition: background .2s, color .2s; }
.mega__col a .icon { color: var(--blue); }
.mega__col ul + .mega__title { margin-top: 18px; }
.mega__col a:hover { background: var(--blue-50); color: var(--blue); }
.mega__promo {
  position: relative; padding: 28px; color: rgba(255, 255, 255, .8); font-size: .9rem;
  background: radial-gradient(120% 80% at 100% 0%, var(--blue) 0%, var(--navy-800) 60%);
  display: flex; flex-direction: column; align-items: flex-start;
}
.mega__promo-title { font-family: var(--font-head); font-weight: 700; font-size: 1.15rem; color: #fff; line-height: 1.3; }
.mega__all { margin-top: auto; padding-top: 18px; color: var(--sand); font-weight: 600; font-size: .88rem; }

.site-header__actions { display: flex; align-items: center; gap: 10px; }
.lang-switch {
  display: inline-flex; align-items: center; gap: 6px; padding: 8px 12px; border-radius: 999px;
  font-family: var(--font-head); font-size: .82rem; font-weight: 700; color: var(--navy-800); border: 1px solid var(--line);
  transition: border-color .2s, color .2s;
}
.lang-switch:hover { border-color: var(--blue); color: var(--blue); }
.burger { display: none; width: 46px; height: 46px; border-radius: 12px; place-items: center; background: var(--blue-50); color: var(--navy-800); }

/* ---------- Drawer (mobile nav) ---------- */
.drawer { position: fixed; inset: 0; z-index: 200; visibility: hidden; }
.drawer.is-open { visibility: visible; }
.drawer__backdrop { position: absolute; inset: 0; background: rgba(7, 26, 51, .55); opacity: 0; transition: opacity .3s; }
.drawer.is-open .drawer__backdrop { opacity: 1; }
.drawer__panel {
  position: absolute; top: 0; right: 0; bottom: 0; width: min(420px, 100%);
  background: #fff; display: flex; flex-direction: column;
  transform: translateX(100%); transition: transform .35s var(--ease);
}
.drawer.is-open .drawer__panel { transform: none; }
.drawer__head { display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.drawer__head .logo-svg { height: 38px; width: auto; }
.drawer__close { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 12px; background: var(--blue-50); }
.drawer__nav { flex: 1; overflow-y: auto; padding: 8px 20px; }
.drawer__nav > a, .drawer__nav summary {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  padding: 16px 4px; border-bottom: 1px solid var(--line);
  font-family: var(--font-head); font-weight: 600; color: var(--navy-800); cursor: pointer; list-style: none;
}
.drawer__nav > a { justify-content: flex-start; }
.drawer__nav summary::-webkit-details-marker { display: none; }
.drawer__nav details[open] summary .icon { transform: rotate(180deg); }
.drawer__nav summary .icon { transition: transform .25s; }
.drawer__nav details ul { padding: 6px 0 10px; }
.drawer__nav details li a { display: flex; align-items: center; gap: 10px; padding: 10px 6px; font-size: .95rem; color: var(--ink); }
.drawer__nav details li a .icon { color: var(--blue); }
.drawer__group { margin: 12px 0 2px; font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--sand-600); }
.drawer__foot { padding: 20px; border-top: 1px solid var(--line); display: grid; gap: 12px; background: var(--blue-50); }
.drawer__contact { display: flex; align-items: center; gap: 10px; font-weight: 500; color: var(--navy-800); }
body.no-scroll { overflow: hidden; }

/* ---------- Hero slider ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(80% 60% at 85% 35%, rgba(58, 109, 176, .55) 0%, transparent 60%),
    radial-gradient(60% 50% at 10% 100%, rgba(217, 183, 126, .14) 0%, transparent 60%),
    linear-gradient(160deg, var(--navy-800) 0%, var(--navy-900) 100%);
  padding-bottom: 96px;
}
.hero__bg { position: absolute; inset: 0; pointer-events: none; }
.hero__grid {
  position: absolute; inset: 0; opacity: .5;
  background-image: radial-gradient(rgba(169, 196, 236, .22) 1px, transparent 1px);
  background-size: 28px 28px;
  mask-image: radial-gradient(70% 70% at 70% 40%, #000 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(70% 70% at 70% 40%, #000 30%, transparent 75%);
}
.hero__spiral { position: absolute; right: -8%; top: -10%; width: 70%; color: rgba(169, 196, 236, .07); animation: spin 120s linear infinite; transform-origin: 46% 60%; }

.hero__slides { display: grid; }
.hero-slide {
  grid-area: 1 / 1; opacity: 0; visibility: hidden;
  transition: opacity .7s var(--ease), visibility .7s;
}
.hero-slide.is-active { opacity: 1; visibility: visible; }
.hero-slide__inner {
  display: grid; grid-template-columns: 1.05fr 1fr; align-items: center; gap: 48px;
  min-height: clamp(520px, 72vh, 680px); padding-top: 48px; padding-bottom: 32px;
}
.hero-slide__content > * { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.hero-slide.is-active .hero-slide__content > * { opacity: 1; transform: none; }
.hero-slide.is-active .hero-slide__content > :nth-child(2) { transition-delay: .08s; }
.hero-slide.is-active .hero-slide__content > :nth-child(3) { transition-delay: .16s; }
.hero-slide.is-active .hero-slide__content > :nth-child(4) { transition-delay: .24s; }
.hero-slide.is-active .hero-slide__content > :nth-child(5) { transition-delay: .32s; }

.hero-slide__title { color: #fff; font-size: clamp(2.2rem, 1.3rem + 3.6vw, 4rem); font-weight: 800; letter-spacing: -.035em; line-height: 1.05; margin-bottom: .45em; }
.hero-slide__title em { color: var(--sand); }
.hero-slide__text { font-size: clamp(1rem, .95rem + .3vw, 1.15rem); color: rgba(255, 255, 255, .78); max-width: 560px; }
.hero .eyebrow { padding: 7px 14px; border-radius: 999px; background: rgba(217, 183, 126, .12); border: 1px solid rgba(217, 183, 126, .3); letter-spacing: .08em; }

.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 24px 0 32px; }
.chips li {
  display: inline-flex; align-items: center; gap: 6px; padding: 7px 13px; border-radius: 999px;
  font-size: .85rem; font-weight: 500; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14);
}
.chips .icon { color: var(--sand); }
.hero-slide__actions { display: flex; flex-wrap: wrap; gap: 12px; }

.hero-slide__visual { position: relative; display: grid; place-items: center; }
.hero-slide__glow { position: absolute; inset: 10% 5%; border-radius: 50%; background: radial-gradient(circle, rgba(58, 109, 176, .55), transparent 65%); filter: blur(20px); }
.hero-art { position: relative; width: 100%; max-width: 560px; height: auto; transform: translateX(30px) scale(.96); opacity: 0; transition: transform 1s var(--ease), opacity 1s var(--ease); }
.hero-slide.is-active .hero-art { transform: none; opacity: 1; }
.art-float { animation: float 6s ease-in-out infinite; }
.art-float--late { animation-delay: -3s; }
.art-wave { animation: wave 7s linear infinite; }
.art-wave--2 { animation-duration: 10s; animation-direction: reverse; }
.art-road { animation: road 1.2s linear infinite; }
.art-route { animation: dash 2.5s linear infinite; }
.art-orbit { animation: dash 6s linear infinite; }
.art-pulse { transform-box: fill-box; transform-origin: center; animation: pulse 4s ease-out infinite; }
.art-pulse--late { animation-delay: -2s; }
.art-spin { transform-box: view-box; transform-origin: 260px 200px; animation: spin 24s linear infinite; }
.art-wheel { transform-box: fill-box; transform-origin: center; animation: spin .9s linear infinite; }
.art-bob { animation: bob .5s ease-in-out infinite alternate; }

.float-badge {
  position: absolute; left: 0; bottom: 8%;
  display: flex; align-items: center; gap: 12px; padding: 12px 18px 12px 12px;
  background: rgba(255, 255, 255, .95); color: var(--navy-800); border-radius: 16px; box-shadow: var(--shadow-lg);
  opacity: 0; transform: translateY(20px); transition: opacity .7s .4s var(--ease), transform .7s .4s var(--ease);
}
.hero-slide.is-active .float-badge { opacity: 1; transform: none; }
.float-badge__icon { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--blue); color: #fff; }
.float-badge strong { display: block; font-family: var(--font-head); font-size: 1rem; line-height: 1.2; }
.float-badge small { color: var(--muted); font-size: .8rem; }

.hero__tabs-wrap { position: relative; }
.hero__tabs {
  display: grid; grid-template-columns: repeat(6, 1fr); gap: 6px; padding: 6px;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .1); border-radius: 18px; backdrop-filter: blur(10px);
}
.hero-tab {
  position: relative; overflow: hidden; display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 10px; border-radius: 13px; font-family: var(--font-head); font-weight: 600; font-size: .88rem;
  color: rgba(255, 255, 255, .7); transition: background .3s, color .3s;
}
.hero-tab:hover { color: #fff; background: rgba(255, 255, 255, .06); }
.hero-tab.is-active { background: rgba(255, 255, 255, .12); color: #fff; }
.hero-tab.is-active .icon { color: var(--sand); }
.hero-tab__progress { position: absolute; left: 0; bottom: 0; height: 3px; width: 100%; background: var(--sand); transform: scaleX(0); transform-origin: left; }
.hero-tab.is-active .hero-tab__progress { animation: progress var(--hero-delay, 7000ms) linear forwards; }
.hero.is-paused .hero-tab.is-active .hero-tab__progress { animation-play-state: paused; }

/* Optional photo backgrounds: add data-bg on .hero-slide and style here */
.hero-slide[data-bg] { background: center / cover no-repeat; }

/* ---------- Quick quote ---------- */
.quick-quote-wrap { position: relative; z-index: 5; margin-top: -56px; }
.quick-quote {
  display: grid; grid-template-columns: auto 1.2fr 1fr 1fr auto; align-items: end; gap: 16px;
  padding: 20px 24px; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); border: 1px solid var(--line);
}
.quick-quote__title { display: flex; align-items: center; gap: 10px; margin: 0; align-self: center; font-family: var(--font-head); font-weight: 700; color: var(--navy-800); line-height: 1.2; max-width: 150px; }
.quick-quote__title .icon { color: var(--sand-600); width: 28px; height: 28px; }
.field { display: grid; gap: 6px; }
.field span { font-size: .78rem; font-weight: 600; color: var(--muted); letter-spacing: .02em; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 14px; border-radius: 12px; border: 1.5px solid var(--line); background: var(--blue-50);
  font: inherit; font-size: .95rem; color: var(--ink); transition: border-color .2s, background .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); background: #fff; box-shadow: 0 0 0 4px rgba(43, 90, 150, .12); }
.quick-quote .btn { height: 50px; }

/* ---------- Featured products ---------- */
.featured { padding: 72px 0 8px; }
.featured__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 28px; }
.featured__head h2 { margin: 0; font-size: clamp(1.5rem, 1.1rem + 1.4vw, 2.1rem); }
.featured__head .eyebrow { margin: 0; order: 2; }
.featured__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.featured-card {
  position: relative; display: flex; flex-direction: column; gap: 16px; padding: 24px; border-radius: var(--radius);
  background: linear-gradient(160deg, var(--blue-50), #fff 70%); border: 1px solid var(--line); overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.featured-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.featured-card__icon { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; background: var(--navy-800); color: var(--sand); }
.featured-card h3 { margin-bottom: .35em; }
.featured-card p { margin: 0; color: var(--muted); font-size: .9rem; }
.featured-card__arrow { position: absolute; top: 24px; right: 24px; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; border: 1px solid var(--line); color: var(--blue); transition: background .3s, color .3s, transform .3s var(--ease); }
.featured-card:hover .featured-card__arrow { background: var(--blue); color: #fff; transform: rotate(-45deg); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  position: relative; overflow: hidden; color: rgba(255, 255, 255, .78);
  background: radial-gradient(70% 90% at 90% 20%, rgba(58, 109, 176, .55), transparent 60%), linear-gradient(160deg, var(--navy-800), var(--navy-900));
}
.page-hero__bg { position: absolute; inset: 0; pointer-events: none; }
.page-hero__spiral { position: absolute; right: -6%; top: -30%; width: 48%; color: rgba(169, 196, 236, .07); }
.page-hero__inner { position: relative; padding-top: clamp(48px, 6vw, 88px); padding-bottom: clamp(56px, 7vw, 104px); max-width: var(--container); }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 1.3rem + 2.8vw, 3.4rem); font-weight: 800; max-width: 900px; letter-spacing: -.03em; }
.page-hero h1 em { color: var(--sand); }
.page-hero__lead { max-width: 760px; font-size: clamp(1rem, .95rem + .3vw, 1.15rem); margin: 0; }
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 28px; font-size: .85rem; }
.breadcrumb li + li::before { content: "/"; margin-right: 6px; opacity: .4; }
.breadcrumb a:hover { color: var(--sand); }
.breadcrumb [aria-current] { color: #fff; }

/* ---------- About ---------- */
.about-story { display: grid; grid-template-columns: 1.3fr 1fr; gap: 64px; align-items: start; }
.about-story__text p { color: var(--muted); font-size: 1.05rem; }
.about-story__first { font-family: var(--font-head); font-size: clamp(1.2rem, 1rem + .7vw, 1.5rem) !important; font-weight: 600; line-height: 1.45; color: var(--navy-800) !important; }
.about-card {
  position: sticky; top: calc(var(--header-h) + 32px); overflow: hidden; padding: 36px; border-radius: var(--radius-lg); color: rgba(255, 255, 255, .75);
  background: radial-gradient(90% 90% at 100% 0%, var(--blue), var(--navy-800) 60%, var(--navy-900));
}
.about-card__spiral { position: absolute; right: -20%; bottom: -25%; width: 90%; color: rgba(217, 183, 126, .12); }
.about-card__item { position: relative; padding-bottom: 22px; margin-bottom: 22px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.about-card__value { margin: 0; font-family: var(--font-head); font-weight: 800; font-size: 3.2rem; line-height: 1; color: var(--sand); letter-spacing: -.03em; }
.about-card__label { margin: 6px 0 0; }
.about-card__quote { position: relative; margin: 0; font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; line-height: 1.45; color: #fff; }

.vm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.vm-card { padding: clamp(28px, 3vw, 44px); border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.vm-card p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.vm-card h2 { font-size: 1.6rem; }
.vm-card__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 16px; margin-bottom: 22px; background: var(--blue-50); color: var(--blue); }
.vm-card--dark { background: var(--navy-800); border-color: var(--navy-800); }
.vm-card--dark h2 { color: #fff; }
.vm-card--dark p { color: rgba(255, 255, 255, .75); }
.vm-card--dark .vm-card__icon { background: rgba(217, 183, 126, .15); color: var(--sand); }

.product-grid.product-grid--static { display: grid; grid-template-columns: repeat(3, 1fr); }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.value-card h3 { color: #fff; }
.value-card p { color: rgba(255, 255, 255, .65); font-size: .93rem; margin: 0; }

/* ---------- Insurers page ---------- */
.insurer-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.insurer-tile {
  display: flex; align-items: center; gap: 16px; min-height: 112px; padding: 24px; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s, border-color .3s;
}
.insurer-tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.insurer-tile img { max-height: 60px; width: auto; margin-inline: auto; }
.insurer-tile__mark { display: grid; place-items: center; width: 48px; height: 48px; flex: none; border-radius: 14px; background: var(--blue-50); color: var(--blue); font-family: var(--font-head); font-weight: 800; font-size: 1.3rem; }
.insurer-tile__name { font-family: var(--font-head); font-weight: 700; color: var(--navy-800); line-height: 1.3; }
.insurer-note { display: flex; align-items: center; gap: 10px; margin: 32px 0 0; color: var(--muted); font-size: .9rem; }
.insurer-note .icon { color: var(--blue); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 32px; align-items: stretch; }
.contact-cards { display: grid; gap: 16px; }
.contact-card { display: flex; gap: 18px; padding: 24px; border-radius: var(--radius); background: var(--blue-50); border: 1px solid transparent; transition: background .3s, border-color .3s; }
.contact-card:hover { background: #fff; border-color: var(--blue-100); }
.contact-card__icon { display: grid; place-items: center; width: 50px; height: 50px; flex: none; border-radius: 14px; background: var(--blue); color: #fff; }
.contact-card h2 { font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--sand-600); margin-bottom: 6px; }
.contact-card address, .contact-card p { font-style: normal; margin: 0 0 8px; color: var(--navy-800); font-weight: 500; }
.contact-card p a:hover { color: var(--blue); }
.contact-map { min-height: 460px; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); }
.contact-map iframe { width: 100%; height: 100%; min-height: 460px; border: 0; display: block; }

/* ---------- Product page ---------- */
.page-hero__inner--art { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); gap: 48px; align-items: center; padding-bottom: clamp(40px, 5vw, 72px); }
.page-hero__art .hero-art { opacity: 1; transform: none; animation: fadeUp 1s var(--ease) both; }
.page-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.product-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 56px; align-items: start; padding-block: clamp(56px, 6vw, 96px); }
.product-main { min-width: 0; }
.product-section + .product-section, .product-section + .product-duo, .product-duo + .product-section { margin-top: 56px; }
.product-section h2 { font-size: clamp(1.4rem, 1.1rem + 1vw, 1.9rem); margin-bottom: .8em; }
.product-section > p { color: var(--muted); font-size: 1.02rem; }
.summary-box { position: relative; margin: 0 0 24px; padding: 24px 26px; border-radius: var(--radius); background: var(--blue-50); border-left: 4px solid var(--sand); }
.summary-box__label { display: inline-flex; align-items: center; gap: 6px; margin-bottom: 8px; font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--sand-600); }
.summary-box p { margin: 0; color: var(--navy-800); font-weight: 500; }
.cover-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.cover-item { display: flex; gap: 14px; padding: 20px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); transition: border-color .3s, box-shadow .3s, transform .3s var(--ease); }
.cover-item:hover { border-color: var(--blue-100); box-shadow: var(--shadow); transform: translateY(-2px); }
.cover-item__icon { display: grid; place-items: center; width: 34px; height: 34px; flex: none; border-radius: 10px; background: var(--blue); color: #fff; }
.cover-item h3 { font-size: 1rem; margin-bottom: .3em; }
.cover-item p { margin: 0; color: var(--muted); font-size: .9rem; }
.extra-list { display: flex; flex-wrap: wrap; gap: 10px; }
.extra-list li { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 14px; background: var(--sand-100); color: var(--navy-800); font-size: .9rem; font-weight: 500; }
.extra-list .icon { color: var(--sand-600); }
.product-duo { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 56px; }
.product-duo .product-section + .product-section { margin-top: 0; }
.product-panel { padding: 32px; border-radius: var(--radius-lg); border: 1px solid var(--line); background: #fff; }
.product-panel h2 { font-size: 1.3rem; }
.product-panel--dark { position: relative; overflow: hidden; color: rgba(255, 255, 255, .75); border: 0; background: radial-gradient(90% 90% at 100% 0%, var(--blue), var(--navy-800) 60%, var(--navy-900)); }
.product-panel--dark h2 { color: #fff; }
.product-panel--dark > p { color: rgba(255, 255, 255, .7); font-size: .92rem; }
.tick-list li { display: flex; gap: 10px; align-items: flex-start; }
.tick-list li + li { margin-top: 12px; }
.tick-list .icon { flex: none; margin-top: 3px; color: var(--blue); }
.num-list { counter-reset: n; margin-bottom: 24px; }
.num-list li { counter-increment: n; display: flex; gap: 12px; align-items: flex-start; }
.num-list li + li { margin-top: 10px; }
.num-list li::before { content: counter(n); display: grid; place-items: center; width: 24px; height: 24px; flex: none; border-radius: 50%; background: rgba(217, 183, 126, .18); color: var(--sand); font-size: .75rem; font-weight: 700; }
.product-note { display: flex; gap: 10px; align-items: flex-start; margin: 40px 0 0; padding-top: 24px; border-top: 1px solid var(--line); color: var(--muted); font-size: .85rem; }
.product-note .icon { flex: none; color: var(--blue); margin-top: 2px; }
.product-side { position: sticky; top: calc(var(--header-h) + 24px); display: grid; gap: 16px; }
.side-card { border-radius: var(--radius-lg); }
.side-card--quote { position: relative; overflow: hidden; padding: 30px; color: rgba(255, 255, 255, .75); background: radial-gradient(90% 90% at 100% 0%, var(--blue), var(--navy-800) 60%, var(--navy-900)); }
.side-card--quote > * { position: relative; }
.side-card__spiral { position: absolute !important; right: -30%; bottom: -30%; width: 100%; color: rgba(217, 183, 126, .1); pointer-events: none; }
.side-card__icon { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 18px; border-radius: 14px; background: rgba(217, 183, 126, .16); color: var(--sand); }
.side-card__title { margin-bottom: .4em; font-family: var(--font-head); font-size: 1.25rem; font-weight: 700; color: #fff; }
.side-card--quote > p:not(.side-card__title) { font-size: .92rem; margin-bottom: 22px; }
.side-card--quote .btn + .btn { margin-top: 10px; }
.side-card__phone { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 18px; font-weight: 600; color: #fff; }
.side-card__phone .icon { color: var(--sand); }
.side-card__phone:hover { color: var(--sand); }
.side-links { padding: 24px; background: var(--blue-50); }
.side-links__title { margin-bottom: 12px; font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--sand-600); }
.side-links a { display: flex; align-items: center; gap: 10px; padding: 10px 12px; border-radius: 12px; font-size: .92rem; font-weight: 500; color: var(--navy-800); transition: background .2s, color .2s; }
.side-links a .icon { color: var(--blue); flex: none; }
.side-links a:hover { background: #fff; }
.side-links a[aria-current] { background: var(--blue); color: #fff; }
.side-links a[aria-current] .icon { color: var(--sand); }

/* ---------- Claims ---------- */
.claims-us {
  position: relative; z-index: 2; display: flex; align-items: center; gap: 24px; margin-top: -40px; padding: 28px 32px; border-radius: var(--radius-lg);
  color: rgba(255, 255, 255, .75); background: radial-gradient(90% 120% at 100% 0%, var(--blue), var(--navy-800) 60%, var(--navy-900)); box-shadow: var(--shadow-lg);
}
.claims-us__icon { display: grid; place-items: center; width: 60px; height: 60px; flex: none; border-radius: 16px; background: rgba(217, 183, 126, .16); color: var(--sand); }
.claims-us__text { flex: 1; }
.claims-us__text h2 { color: #fff; font-size: 1.3rem; margin-bottom: .25em; }
.claims-us__text p { margin: 0; font-size: .95rem; }
.claims-us__actions { display: flex; flex-wrap: wrap; gap: 10px; flex: none; }
.claims-lines { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 14px; }
.claims-line { display: grid; grid-template-columns: 1fr auto; grid-template-rows: auto auto; gap: 6px 16px; align-items: center; height: 100%; padding: 20px 22px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); transition: border-color .3s, box-shadow .3s, transform .3s var(--ease); }
.claims-line:hover { border-color: var(--blue-100); box-shadow: var(--shadow); transform: translateY(-2px); }
.claims-line__brand { min-height: 28px; display: flex; align-items: center; }
.claims-line__brand img { max-height: 32px; width: auto; }
.claims-line__name { font-family: var(--font-head); font-weight: 700; color: var(--navy-800); }
.claims-line__phone { grid-column: 1; font-family: var(--font-head); font-size: 1.25rem; font-weight: 800; letter-spacing: .01em; color: var(--blue); white-space: nowrap; }
.claims-line__call { grid-column: 2; grid-row: 1 / 3; display: inline-flex; align-items: center; gap: 6px; padding: 10px 14px; border-radius: 999px; font-size: .85rem; font-weight: 600; background: var(--blue-50); color: var(--blue); transition: background .2s, color .2s; }
.claims-line:hover .claims-line__call { background: var(--blue); color: #fff; }
.claims-tips { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.claims-tip { padding: 30px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); }
.claims-tip__icon { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 18px; border-radius: 14px; background: var(--blue); color: #fff; }
.claims-tip h3 { font-size: 1.1rem; margin-bottom: 1em; }
.claims-tip .tick-list { font-size: .93rem; color: var(--muted); }
.claims-faq { max-width: 860px; }

/* ---------- Press ---------- */
.press-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.press-card { display: flex; flex-direction: column; overflow: hidden; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--line); transition: box-shadow .3s, transform .3s var(--ease); }
.press-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.press-card__media { position: relative; aspect-ratio: 16 / 10; overflow: hidden; background: var(--navy-800); }
.press-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.press-card:hover .press-card__media img { transform: scale(1.04); }
.press-card__placeholder { position: absolute; inset: 0; color: rgba(217, 183, 126, .25); background: radial-gradient(90% 90% at 100% 0%, var(--blue), var(--navy-800) 60%, var(--navy-900)); }
.press-card__placeholder .spiral-svg { position: absolute; right: -10%; bottom: -25%; width: 80%; }
.press-card__source { position: absolute; left: 16px; top: 16px; display: inline-flex; align-items: center; gap: 6px; margin: 0; background: #fff; color: var(--blue); }
.press-card__body { display: flex; flex-direction: column; flex: 1; padding: 24px; }
.press-card__body time { font-size: .82rem; font-weight: 600; color: var(--sand-600); }
.press-card__body h2 { font-size: 1.15rem; margin: .4em 0 .5em; }
.press-card__body p { flex: 1; color: var(--muted); font-size: .93rem; }
.press-card__draft { align-self: flex-start; margin-top: 8px; padding: 3px 10px; border-radius: 999px; font-size: .72rem; font-weight: 700; color: #9a3412; background: #ffedd5; }
.press-card__thumbs { display: flex; gap: 8px; margin-bottom: 16px; }
.press-card__thumbs img { width: 64px; height: 48px; object-fit: cover; border-radius: 8px; }
.press-empty { text-align: center; color: var(--muted); }
.press-follow { margin: 40px 0 0; text-align: center; }

/* ---------- Sections ---------- */
.section { position: relative; padding: clamp(64px, 6vw + 32px, 120px) 0; }
.section--tint { background: linear-gradient(180deg, var(--blue-50), #fff); }
.section--dark { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: rgba(255, 255, 255, .78); overflow: hidden; }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }
.section-head--center { text-align: center; margin-inline: auto; }
.section-head--center .eyebrow { justify-content: center; }
.section-head--light h2 { color: #fff; }
.section-head--light h2 em { color: var(--sand); }
.section-head--light p { color: rgba(255, 255, 255, .7); }

/* ---------- Product groups ---------- */
.group-tabs__nav { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.group-tabs__nav button {
  padding: 11px 20px; border-radius: 999px; border: 1.5px solid var(--line);
  font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--navy-800); transition: all .25s;
}
.group-tabs__nav button:hover { border-color: var(--blue); color: var(--blue); }
.group-tabs__nav button.is-active { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }

.product-grid { display: none; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.product-grid.is-active { display: grid; animation: fadeUp .5s var(--ease); }
.product-card {
  position: relative; display: flex; flex-direction: column; padding: 28px; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line); overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.product-card::after {
  content: ""; position: absolute; inset: auto -40% -60% auto; width: 220px; height: 220px; border-radius: 50%;
  background: radial-gradient(circle, rgba(217, 183, 126, .18), transparent 70%); opacity: 0; transition: opacity .35s;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.product-card:hover::after { opacity: 1; }
.product-card__icon {
  display: grid; place-items: center; width: 56px; height: 56px; border-radius: 16px; margin-bottom: 22px;
  background: var(--blue-50); color: var(--blue); transition: background .35s, color .35s;
}
.product-card:hover .product-card__icon { background: var(--blue); color: #fff; }
.product-card__icon .icon { width: 26px; height: 26px; }
.product-card h3 { font-size: 1.08rem; }
.product-card p { color: var(--muted); font-size: .93rem; flex: 1; }
.product-card__more { display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-head); font-weight: 600; font-size: .88rem; color: var(--blue); }
.product-card__more .icon { transition: transform .25s var(--ease); }
.product-card:hover .product-card__more .icon, .post-card:hover .product-card__more .icon { transform: translateX(4px); }

/* ---------- Logistics chain ---------- */
.chain__spiral { position: absolute; left: -12%; bottom: -30%; width: 55%; color: rgba(169, 196, 236, .05); }
.chain__steps { position: relative; display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; counter-reset: chain; }
.chain__steps::before {
  content: ""; position: absolute; top: 36px; left: 8%; right: 8%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--sand) 0 10px, transparent 10px 20px); opacity: .5;
}
.chain-step { position: relative; padding: 0 6px; }
.chain-step__icon {
  position: relative; display: grid; place-items: center; width: 72px; height: 72px; border-radius: 22px; margin-bottom: 22px;
  background: linear-gradient(145deg, var(--blue), var(--navy-700)); color: #fff; box-shadow: 0 0 0 8px var(--navy-800), 0 14px 30px -10px rgba(0, 0, 0, .5);
}
.chain-step__icon .icon { width: 30px; height: 30px; }
.chain-step h3 { color: #fff; }
.chain-step p { font-size: .92rem; color: rgba(255, 255, 255, .65); }
.chain-step ul { display: grid; gap: 6px; }
.chain-step li a {
  display: inline-block; padding: 5px 11px; border-radius: 999px; font-size: .8rem; font-weight: 500;
  background: rgba(217, 183, 126, .12); color: var(--sand); border: 1px solid rgba(217, 183, 126, .25); transition: background .2s, color .2s;
}
.chain-step li a:hover { background: var(--sand); color: var(--navy-900); }

/* ---------- Why us ---------- */
.why__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 64px; align-items: center; }
.why__intro p { color: var(--muted); font-size: 1.05rem; margin-bottom: 28px; }
.why__items { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.feature { padding: 28px; border-radius: var(--radius); background: var(--blue-50); border: 1px solid transparent; transition: background .3s, border-color .3s, transform .3s var(--ease); }
.feature:nth-child(even) { transform: translateY(28px); }
.feature:hover { background: #fff; border-color: var(--blue-100); box-shadow: var(--shadow); }
.feature__icon { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; margin-bottom: 18px; background: #fff; color: var(--blue); box-shadow: var(--shadow-sm); }
.feature p { color: var(--muted); font-size: .93rem; margin: 0; }

/* ---------- Process ---------- */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.process__step { position: relative; padding: 32px 28px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.process__step:not(:last-child)::after {
  content: ""; position: absolute; top: 50px; right: -14px; width: 8px; height: 8px; border-top: 2px solid var(--sand); border-right: 2px solid var(--sand); transform: rotate(45deg); z-index: 1;
}
.process__num { display: block; font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1; margin-bottom: 18px; color: transparent; -webkit-text-stroke: 1.5px var(--blue); }
.process__step p { color: var(--muted); font-size: .93rem; margin: 0; }

/* ---------- Insurers marquee ---------- */
.insurers__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 40px; }
.insurers__head h2 { margin: 0; max-width: 640px; }
.marquee { display: flex; overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); }
.marquee__track { display: flex; gap: 18px; padding-right: 18px; flex: none; animation: marquee 45s linear infinite; }
.marquee:hover .marquee__track { animation-play-state: paused; }
.insurer-logo {
  display: grid; place-items: center; width: 210px; height: 96px; padding: 18px; border-radius: var(--radius);
  background: #fff; border: 1px solid var(--line); filter: grayscale(1); opacity: .8; transition: filter .3s, opacity .3s, box-shadow .3s;
}
.insurer-logo:hover { filter: none; opacity: 1; box-shadow: var(--shadow); }
.insurer-logo span { font-family: var(--font-head); font-weight: 700; font-size: 1.02rem; color: var(--navy-800); text-align: center; }
.insurer-logo img { max-height: 52px; width: auto; object-fit: contain; }

/* ---------- FAQ ---------- */
.faq__grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.faq__intro { position: sticky; top: calc(var(--header-h) + 32px); }
.faq__intro p { color: var(--muted); margin-bottom: 28px; }
.faq__list { display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); transition: box-shadow .3s, border-color .3s; }
.faq-item[open] { box-shadow: var(--shadow); border-color: var(--blue-100); }
.faq-item summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 24px; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary h3 { margin: 0; font-size: 1.02rem; }
.faq-item__icon { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--blue-50); color: var(--blue); flex: none; transition: transform .3s var(--ease), background .3s, color .3s; }
.faq-item[open] .faq-item__icon { transform: rotate(45deg); background: var(--blue); color: #fff; }
.faq-item__body { padding: 0 24px 22px; color: var(--muted); }
.faq-item__body p { margin: 0; }

/* ---------- Blog cards ---------- */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.post-card { display: flex; flex-direction: column; border-radius: var(--radius); overflow: hidden; background: #fff; border: 1px solid var(--line); transition: transform .35s var(--ease), box-shadow .35s; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.post-card__media { position: relative; aspect-ratio: 16 / 9; overflow: hidden; color: rgba(255, 255, 255, .14); background: linear-gradient(135deg, var(--blue), var(--navy-800)); }
.post-card__media[data-variant="1"] { background: linear-gradient(135deg, var(--navy-700), var(--navy-900)); }
.post-card__media[data-variant="2"] { background: linear-gradient(135deg, var(--sand-600), var(--navy-800)); }
.post-card__media .spiral-svg { position: absolute; right: -10%; bottom: -25%; width: 85%; transition: transform .8s var(--ease); }
.post-card:hover .post-card__media .spiral-svg { transform: rotate(-12deg) scale(1.05); }
.post-card__body { display: flex; flex-direction: column; flex: 1; padding: 24px; }
.post-card__body p { color: var(--muted); font-size: .93rem; flex: 1; }
.tag { align-self: flex-start; padding: 4px 10px; border-radius: 999px; margin-bottom: 14px; font-size: .75rem; font-weight: 700; letter-spacing: .04em; color: var(--sand-600); background: var(--sand-100); }

/* ---------- CTA band ---------- */
.cta-band { padding: 0 0 clamp(64px, 6vw + 32px, 120px); }
.cta-band__inner {
  position: relative; overflow: hidden; display: flex; align-items: center; justify-content: space-between; gap: 32px;
  padding: clamp(36px, 4vw, 64px); border-radius: var(--radius-lg); color: rgba(255, 255, 255, .78);
  background: radial-gradient(90% 120% at 100% 0%, var(--blue) 0%, var(--navy-800) 55%, var(--navy-900) 100%);
}
.cta-band__inner h2 { color: #fff; margin-bottom: .3em; }
.cta-band__inner p { margin: 0; max-width: 560px; }
.cta-band__spiral { position: absolute; right: -6%; top: -40%; width: 46%; color: rgba(217, 183, 126, .1); pointer-events: none; }
.cta-band__actions { position: relative; display: flex; flex-wrap: wrap; gap: 12px; flex: none; }

/* ---------- Footer ---------- */
.site-footer { position: relative; overflow: hidden; background: var(--navy-900); color: rgba(255, 255, 255, .65); font-size: .93rem; padding-top: 80px; }
.site-footer__spiral { position: absolute; right: -10%; top: -20%; width: 50%; color: rgba(169, 196, 236, .04); pointer-events: none; }
.site-footer__grid { position: relative; display: grid; grid-template-columns: 1.5fr 1fr 1.2fr 1.3fr; gap: 48px; padding-bottom: 56px; }
.site-footer__brand .logo-svg { height: 52px; width: auto; margin-bottom: 22px; }
.site-footer__brand p { max-width: 380px; }
.site-footer__title { font-family: var(--font-head); font-weight: 700; color: #fff; margin-bottom: 18px; letter-spacing: .02em; }
.site-footer ul li + li { margin-top: 10px; }
.site-footer a:hover { color: var(--sand); }
.site-footer__contact li { display: flex; gap: 10px; align-items: flex-start; }
.site-footer__contact .icon { color: var(--sand); margin-top: 3px; }
.site-footer__contact + .btn { margin-top: 22px; }
.social { display: flex; gap: 10px; margin-top: 22px; }
.social a { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: rgba(255, 255, 255, .06); color: #fff; transition: background .2s, color .2s; }
.social a:hover { background: var(--sand); color: var(--navy-900); }
.social .icon { width: 19px; height: 19px; }
.site-footer__bottom { position: relative; display: flex; justify-content: space-between; gap: 16px; padding-block: 24px; border-top: 1px solid rgba(255, 255, 255, .08); font-size: .84rem; }
.site-footer__bottom p { margin: 0; }
.site-footer__bottom ul { display: flex; gap: 20px; }
.site-footer__bottom ul li + li { margin-top: 0; }

/* ---------- Floating actions ---------- */
.wa-float {
  position: fixed; right: 24px; bottom: 24px; z-index: 90; display: grid; place-items: center; width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: #fff; box-shadow: 0 14px 30px -8px rgba(37, 211, 102, .6); transition: transform .25s var(--ease);
}
.wa-float:hover { transform: scale(1.08); }
.wa-float .icon { width: 30px; height: 30px; }
.mobile-bar { display: none; }

/* ---------- Reveal on scroll ---------- */
.js .reveal { opacity: 0; transform: translateY(28px); transition: opacity .8s var(--ease) var(--d, 0ms), transform .8s var(--ease) var(--d, 0ms); }
.js .reveal.is-visible { opacity: 1; transform: none; }
.js .feature.reveal.is-visible:nth-child(even) { transform: translateY(28px); }

/* ---------- Keyframes ---------- */
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
@keyframes wave { from { transform: translateX(0); } to { transform: translateX(-160px); } }
@keyframes road { to { stroke-dashoffset: -62; } }
@keyframes dash { to { stroke-dashoffset: -100; } }
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes progress { to { transform: scaleX(1); } }
@keyframes marquee { to { transform: translateX(-100%); } }
@keyframes pulse { 0% { transform: scale(.8); opacity: .7; } 100% { transform: scale(1.18); opacity: 0; } }
@keyframes bob { to { transform: translateY(-3px); } }
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1180px) {
  .main-nav, .header-cta { display: none; }
  .burger { display: grid; }
  .site-header__actions { margin-left: auto; }
  .quick-quote { grid-template-columns: 1fr 1fr 1fr; }
  .quick-quote__title { grid-column: 1 / -1; max-width: none; }
  .quick-quote .btn { grid-column: 1 / -1; }
  .product-grid { grid-template-columns: repeat(3, 1fr); }
  .chain__steps { grid-template-columns: repeat(3, 1fr); row-gap: 40px; }
  .chain__steps::before { display: none; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .featured__grid { grid-template-columns: repeat(2, 1fr); }
  .insurer-grid { grid-template-columns: repeat(3, 1fr); }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 960px) {
  .topbar__tagline { display: none; }
  .topbar__inner { justify-content: center; }
  .hero-slide__inner { grid-template-columns: 1fr; gap: 24px; min-height: 0; padding-top: 44px; text-align: left; }
  .hero-slide__visual { max-width: 420px; margin-inline: auto; width: 100%; }
  .float-badge { left: 4%; bottom: 0; padding: 8px 14px 8px 8px; }
  .float-badge__icon { width: 34px; height: 34px; }
  .hero__tabs { display: flex; overflow-x: auto; scrollbar-width: none; scroll-snap-type: x mandatory; }
  .hero__tabs::-webkit-scrollbar { display: none; }
  .hero-tab { flex: none; scroll-snap-align: start; padding: 12px 16px; }
  .why__grid, .faq__grid, .about-story, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-card { position: static; }
  .vm-grid { grid-template-columns: 1fr; }
  .product-grid.product-grid--static { grid-template-columns: repeat(2, 1fr); }
  .featured__head { flex-direction: column; align-items: flex-start; }
  .featured__head .eyebrow { order: 0; }
  .faq__intro { position: static; }
  .process { grid-template-columns: repeat(2, 1fr); }
  .process__step::after { display: none; }
  .post-grid { grid-template-columns: 1fr 1fr; }
  .post-grid > :last-child { display: none; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; }
  .product-layout { grid-template-columns: 1fr; gap: 40px; }
  .press-grid { grid-template-columns: 1fr 1fr; }
  .claims-tips { grid-template-columns: 1fr; }
  .claims-us { flex-wrap: wrap; }
  .page-hero__inner--art { grid-template-columns: 1fr; gap: 8px; }
  .page-hero__art { max-width: 360px; width: 100%; margin-inline: auto; }
  .product-side { position: static; grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  :root { --header-h: 66px; }
  body { padding-bottom: 68px; }
  .container { padding-inline: 18px; }
  .topbar { display: none; }
  .brand .logo-svg { height: 38px; }
  .lang-switch { padding: 8px 10px; }
  .hero { padding-bottom: 80px; }
  .hero-slide__inner { padding-top: 32px; padding-bottom: 16px; }
  .hero-slide__visual { max-width: 320px; }
  .hero-slide__actions .btn { flex: 1; }
  .chips { margin: 18px 0 24px; }
  .quick-quote { grid-template-columns: 1fr; padding: 20px; }
  .product-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .product-card { padding: 20px; }
  .product-card p { display: none; }
  .product-card__icon { width: 48px; height: 48px; margin-bottom: 14px; }
  .group-tabs__nav { flex-wrap: nowrap; overflow-x: auto; margin-inline: -18px; padding-inline: 18px; scrollbar-width: none; }
  .group-tabs__nav button { flex: none; }
  .chain__steps { grid-template-columns: 1fr 1fr; }
  .why__items { grid-template-columns: 1fr; }
  .feature:nth-child(even), .js .feature.reveal.is-visible:nth-child(even) { transform: none; }
  .process { grid-template-columns: 1fr; }
  .post-grid { grid-template-columns: 1fr; }
  .post-grid > :last-child { display: flex; }
  .insurers__head { flex-direction: column; align-items: flex-start; }
  .insurer-logo { width: 160px; height: 80px; }
  .site-footer__grid { grid-template-columns: 1fr; gap: 36px; }
  .site-footer__bottom { flex-direction: column; }
  .wa-float { display: none; }
  .featured { padding-top: 56px; }
  .featured__grid { grid-template-columns: 1fr; gap: 12px; }
  .featured-card { flex-direction: row; align-items: center; padding: 18px 56px 18px 18px; }
  .featured-card__arrow { top: 50%; right: 16px; margin-top: -17px; }
  .featured-card p { display: none; }
  .featured-card h3 { margin: 0; font-size: 1rem; }
  .insurer-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .insurer-tile { flex-direction: column; text-align: center; min-height: 0; padding: 20px 12px; gap: 10px; }
  .insurer-tile__name { font-size: .9rem; }
  .values-grid { grid-template-columns: 1fr; }
  .contact-map, .contact-map iframe { min-height: 340px; }
  .page-hero__actions .btn { flex: 1; }
  .claims-us { padding: 24px; margin-top: -28px; }
  .claims-us__actions, .claims-us__actions .btn { width: 100%; }
  .cover-grid, .product-duo, .product-side, .press-grid { grid-template-columns: 1fr; }
  .product-panel, .side-card--quote { padding: 24px; }
  .product-section + .product-section, .product-section + .product-duo, .product-duo + .product-section { margin-top: 44px; }
  .mobile-bar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; display: grid; grid-template-columns: 1fr 1fr 1.3fr;
    background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -10px rgba(11, 36, 71, .2);
    padding-bottom: env(safe-area-inset-bottom);
  }
  .mobile-bar a { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px; height: 64px; font-size: .74rem; font-weight: 600; color: var(--navy-800); }
  .mobile-bar a .icon { color: var(--blue); }
  .mobile-bar__cta { background: var(--blue); color: #fff !important; }
  .mobile-bar__cta .icon { color: var(--sand) !important; }
}

@media (max-width: 420px) {
  .product-grid { grid-template-columns: 1fr; }
  .product-card p { display: block; }
  .chain__steps { grid-template-columns: 1fr; }
  .product-grid.product-grid--static { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .marquee__track { animation: none; }
}