/*
==============================================
AJK INSURANCE BROKERS - PREMIUM STYLESHEET
==============================================

HOW TO EDIT CONTENT:
--------------------
1. COLORS: All colors defined in :root variables below
2. SPACING: Section padding uses .section class (responsive)
3. FONTS: Using Inter from Google Fonts. To change, update <link> in HTML
4. BUTTONS: .btn class with modifiers (.btn-primary, .btn-secondary)
5. SECTIONS: Each section has its own commented block below

DESIGN SYSTEM:
--------------
Primary Color: #0b3a66 (Deep blue - trust & professionalism)
Background: #f6f8fc (Soft gray-blue - clean & modern)
Shadows: 3 levels (sm, md, lg) for depth
Border Radius: 18px for modern rounded corners
Spacing: Mobile-first approach (48px mobile → 96px desktop)

*/

/* ==============================================
   CSS CUSTOM PROPERTIES (Design System)
   ============================================== */
:root {
  /* Brand Colors */
  --primary: #0b3a66;
  --primary-2: #0a2f52;
  --primary-light: #1a5f8a;
  --bg: #f6f8fc;
  --text: #0b1220;
  --muted: #5b677a;
  --card: #ffffff;
  --border: rgba(11, 18, 32, 0.10);
  
  /* UI Colors */
  --success: #10b981;
  --error: #ef4444;
  --warning: #f59e0b;
  
  /* Shadows */
  --shadow: 0 10px 30px rgba(11, 18, 32, 0.12);
  --shadow-sm: 0 2px 8px rgba(11, 18, 32, 0.08);
  --shadow-md: 0 8px 24px rgba(11, 18, 32, 0.12);
  --shadow-lg: 0 16px 40px rgba(11, 18, 32, 0.16);
  
  /* Border Radius */
  --radius: 18px;
  --radius-sm: 12px;
  --radius-lg: 24px;
  
  /* Spacing */
  --section-padding: 96px;
  --container-padding: 1.5rem;
  
  /* Typography */
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-heading: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  
  /* Transitions */
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==============================================
   RESET & BASE STYLES
   ============================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
}

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

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

a:hover {
  color: var(--primary-2);
}

/* Focus Visible (Accessibility) - Modern focus rings */
*:focus-visible {
  outline: 3px solid var(--primary);
  outline-offset: 3px;
  border-radius: 4px;
}

/* Enhanced focus for buttons */
.btn:focus-visible {
  outline: 3px solid var(--primary);
  outline-offset: 4px;
  box-shadow: 0 0 0 4px rgba(11, 58, 102, 0.15);
}

/* ==============================================
   UTILITY CLASSES
   ============================================== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--container-padding);
  width: 100%;
}

.section {
  padding: 48px 0; /* Mobile: 48px */
}

@media (min-width: 768px) {
  .section {
    padding: 72px 0; /* Tablet: 72px */
  }
}

@media (min-width: 1024px) {
  .section {
    padding: 96px 0; /* Desktop: 96px */
  }
}

/* Section Headers */
.section-header {
  text-align: center;
  margin-bottom: 3rem;
}

.section-title {
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--muted);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ==============================================
   TYPOGRAPHY
   ============================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--primary);
}

h1 {
  font-size: clamp(2.5rem, 6vw, 4rem);
  font-weight: 800;
}

h2 {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 800;
}

h3 {
  font-size: clamp(1.5rem, 4vw, 2rem);
  font-weight: 700;
}

p {
  margin-bottom: 1rem;
}

/* ==============================================
   BUTTONS
   ============================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-body);
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  position: relative;
  overflow: hidden;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary);
  color: white;
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background: var(--primary-2);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  color: white;
}

.btn-primary:active {
  transform: translateY(0);
  box-shadow: var(--shadow-sm);
}

.btn-secondary {
  background: white;
  color: var(--primary);
  border: 2px solid var(--primary);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  background: var(--primary);
  color: white;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-secondary:active {
  transform: translateY(0);
}

.btn-sm {
  padding: 0.625rem 1.25rem;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 1.125rem 2.25rem;
  font-size: 1.125rem;
}

/* Button Icons */
.btn-icon {
  width: 18px;
  height: 18px;
  stroke-width: 2.5;
}

/* Button Focus States */
.btn:focus-visible {
  outline: 3px solid var(--primary);
  outline-offset: 3px;
}

/* ==============================================
   PRELOADER
   ============================================== */
.preloader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: white;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  transition: opacity 0.5s ease;
}

.preloader-content {
  text-align: center;
}

.preloader-logo {
  width: 120px;
  height: auto;
  margin-bottom: 1.5rem;
  animation: fadeInScale 0.6s ease;
}

@keyframes fadeInScale {
  from {
    opacity: 0;
    transform: scale(0.8);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

.preloader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid var(--bg);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin: 0 auto;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* ==============================================
   HEADER / NAVIGATION
   ============================================== */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(255, 255, 255, 0.98);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
  gap: 2rem;
}

.logo img {
  height: 64px;
  width: auto;
  transition: var(--transition);
}

.logo:hover img {
  transform: scale(1.05);
}

.logo:focus-visible {
  outline: 3px solid var(--primary);
  outline-offset: 5px;
  border-radius: 8px;
}

/* Navigation Menu */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  list-style: none;
}

.nav-link {
  padding: 0.625rem 1rem;
  font-weight: 500;
  color: var(--text);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav-link:hover {
  color: var(--primary);
  background: rgba(11, 58, 102, 0.05);
}

.nav-link.active {
  color: var(--primary);
  font-weight: 600;
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 1rem;
  right: 1rem;
  height: 3px;
  background: var(--primary);
  border-radius: 3px;
}

/* Mobile Menu Toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  z-index: 1001;
}

.hamburger-line {
  width: 28px;
  height: 3px;
  background: var(--primary);
  border-radius: 3px;
  transition: var(--transition);
}

.menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

.menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

/* Mobile Navigation */
@media (max-width: 768px) {
  .menu-toggle {
    display: flex;
  }
  
  .nav-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: white;
    box-shadow: var(--shadow-lg);
    padding: 5rem 1.5rem 2rem;
    transition: right 0.3s ease;
  }
  
  .nav-menu.active {
    right: 0;
  }
  
  .nav-link {
    padding: 1rem;
    border-bottom: 1px solid var(--border);
  }
  
  .nav-menu .btn {
    margin-top: 1rem;
  }
}

/* ==============================================
   HERO SECTION - MULTI-SLIDE CAROUSEL
   Each slide has its own bg, overlay, and content
   ============================================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--primary);
}

/* Hero Slides Container */
.hero-slides {
  position: absolute;
  inset: 0;
  z-index: 1;
}

/* Individual Slide - all stacked, only one visible */
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.8s ease, visibility 0.8s ease;
  z-index: 1;
}

.hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  z-index: 2;
}

/* Slide Background Image */
.hero-slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center top;
  background-repeat: no-repeat;
}

/* Slide Dark Overlay */
.hero-slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11, 58, 102, 0.88) 0%, rgba(10, 47, 82, 0.75) 100%);
}

/* Slide Content */
.hero-slide-content {
  position: relative;
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 100vh;
  padding: 120px 24px 160px;
  color: white;
  max-width: 900px;
  margin: 0 auto;
}

/* Hero Badge */
.hero-badge {
  display: inline-block;
  padding: 0.5rem 1.25rem;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 1.5rem;
  opacity: 0;
  transform: translateY(20px);
  animation: fadeInUp 0.6s ease 0.2s forwards;
}

.hero-slide.is-active .hero-badge {
  opacity: 1;
  transform: translateY(0);
}

/* Hero Title */
.hero-title {
  font-size: clamp(2.5rem, 8vw, 4.5rem);
  font-weight: 800;
  line-height: 1.1;
  margin-bottom: 1.5rem;
  color: white;
  opacity: 0;
  transform: translateY(30px);
}

.hero-slide.is-active .hero-title {
  animation: fadeInUp 0.6s ease 0.3s forwards;
}

/* Hero Description */
.hero-description {
  font-size: clamp(1rem, 2.5vw, 1.25rem);
  line-height: 1.7;
  max-width: 600px;
  margin-bottom: 2rem;
  opacity: 0.95;
  opacity: 0;
  transform: translateY(20px);
}

.hero-slide.is-active .hero-description {
  animation: fadeInUp 0.6s ease 0.4s forwards;
}

/* Hero Buttons */
.hero-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  justify-content: center;
  opacity: 0;
  transform: translateY(20px);
}

.hero-slide.is-active .hero-buttons {
  animation: fadeInUp 0.6s ease 0.5s forwards;
}

/* Navigation Arrows */
.hero-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 56px;
  height: 56px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
}

/* Dot-only slider UI */
.hero-arrow {
  display: none !important;
}

.hero-arrow:hover {
  background: rgba(255, 255, 255, 0.25);
  transform: translateY(-50%) scale(1.1);
}

.hero-arrow svg {
  width: 24px;
  height: 24px;
  stroke: white;
  stroke-width: 2.5;
}

.hero-arrow-prev {
  left: 24px;
}

.hero-arrow-next {
  right: 24px;
}

@media (max-width: 768px) {
  .hero-arrow {
    width: 44px;
    height: 44px;
  }
  .hero-arrow svg {
    width: 20px;
    height: 20px;
  }
  .hero-arrow-prev {
    left: 12px;
  }
  .hero-arrow-next {
    right: 12px;
  }
}

/* Navigation Dots */
.hero-dots {
  position: absolute;
  bottom: 100px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: 12px;
}

.hero-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.4);
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
}

.hero-dot:hover {
  background: rgba(255, 255, 255, 0.7);
}

.hero-dot.is-active {
  background: white;
  transform: none;
}

/* Hero Trust Bar (bottom) */
.hero-trust-bar {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 10;
  background: rgba(11, 58, 102, 0.9);
  backdrop-filter: blur(10px);
  padding: 1rem 0;
}

.hero-trust {
  display: flex;
  gap: 2rem;
  justify-content: center;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.5rem 1rem;
  color: white;
}

.trust-icon {
  width: 24px;
  height: 24px;
  stroke: white;
  stroke-width: 2;
  flex-shrink: 0;
}

.trust-item span {
  font-size: 0.875rem;
  font-weight: 600;
  white-space: nowrap;
}

@media (max-width: 640px) {
  .hero-trust {
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
  }
  .hero-dots {
    bottom: 140px;
  }
}

/* ==============================================
   SERVICES PREMIUM SECTION
   Horizontal auto-scrolling carousel
   Premium card design with icon badges
   ============================================== */
.services-premium {
  background: linear-gradient(180deg, #f8f9fb 0%, #ffffff 100%);
  padding-top: 5rem;
  padding-bottom: 5rem;
  overflow: hidden;
}

/* Section Header */
.services-premium__header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.services-premium__title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.services-premium__subtitle {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.5rem 0.75rem;
  font-size: 1rem;
  color: var(--muted);
  font-weight: 500;
}

.services-premium__subtitle .sep {
  color: #d1d5db;
  font-weight: 300;
}

/* Carousel Wrapper */
.services-carousel-wrapper {
  position: relative;
  max-width: 100%;
}

/* Fade edges for visual depth */
.services-carousel-wrapper::before,
.services-carousel-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 60px;
  width: 60px;
  z-index: 5;
  pointer-events: none;
  opacity: 0.7;
}

.services-carousel-wrapper::before {
  left: 0;
  background: linear-gradient(to right, #f8f9fb, transparent);
}

.services-carousel-wrapper::after {
  right: 0;
  background: linear-gradient(to left, #ffffff, transparent);
}

@media (max-width: 768px) {
  .services-carousel-wrapper::before,
  .services-carousel-wrapper::after {
    width: 30px;
  }
}

/* Navigation Arrows */
.services-carousel__nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 52px;
  height: 52px;
  background: #ffffff;
  border: none;
  border-radius: 50%;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
  cursor: pointer;
  z-index: 10;
  transition: all 0.3s ease;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Dot-only indicator UI for services slider */
.services-carousel__nav {
  display: none !important;
}

.services-carousel__nav svg {
  width: 24px;
  height: 24px;
  stroke: var(--primary);
}

.services-carousel__nav:hover {
  background: var(--primary);
  box-shadow: 0 12px 32px rgba(11, 58, 102, 0.25);
  transform: translateY(-50%) scale(1.05);
}

.services-carousel__nav:hover svg {
  stroke: #ffffff;
}

.services-carousel__nav:focus-visible {
  outline: 3px solid rgba(11, 58, 102, 0.4);
  outline-offset: 3px;
}

.services-carousel__nav--prev {
  left: -26px;
}

.services-carousel__nav--next {
  right: -26px;
}

/* Hide arrows on mobile */
@media (max-width: 768px) {
  .services-carousel__nav {
    display: none;
  }
}

/* Horizontal Carousel Container */
.services-premium__carousel {
  display: flex;
  gap: 1.5rem;
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none; /* Firefox */
  -ms-overflow-style: none; /* IE/Edge */
  padding: 1rem 0 2rem;
}

.services-premium__carousel::-webkit-scrollbar {
  display: none; /* Chrome/Safari */
}

/* Carousel Indicators (Dots) */
.services-carousel__indicators {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  margin-top: 2rem;
}

.services-carousel__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #cbd5e1;
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
  padding: 0;
}

.services-carousel__dot:hover {
  background: #94a3b8;
  transform: scale(1.2);
}

.services-carousel__dot.active {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--primary);
}

.services-carousel__dot:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 3px;
}

/* ==============================================
   PREMIUM SERVICE CARD (sp-card)
   ============================================== */
.sp-card {
  background: #ffffff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1),
              box-shadow 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  min-width: 320px;
  max-width: 320px;
  flex-shrink: 0;
  scroll-snap-align: center;
  scroll-snap-stop: always;
}

@media (max-width: 480px) {
  .sp-card {
    min-width: 280px;
    max-width: 280px;
  }
}

.sp-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

/* Card Image Container */
.sp-card__image {
  position: relative;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-radius: 14px;
  margin: 12px 12px 0 12px;
}

.sp-card__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.sp-card:hover .sp-card__image img {
  transform: scale(1.06);
}

/* Yellow Icon Badge (top-right) */
.sp-card__icon-badge {
  position: absolute;
  top: 12px;
  right: 12px;
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #fbbf24 0%, #f59e0b 100%);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(245, 158, 11, 0.35);
  z-index: 2;
}

.sp-card__icon-badge svg {
  width: 22px;
  height: 22px;
  stroke: #1e293b;
  stroke-width: 2.5;
}

/* Card Body */
.sp-card__body {
  padding: 1.25rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.sp-card__title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}

.sp-card__desc {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--muted);
  margin-bottom: 1.25rem;
  flex: 1;
}

/* Apply Now Pill Button */
.sp-card__btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  background: var(--primary);
  color: #ffffff;
  font-size: 0.9375rem;
  font-weight: 600;
  text-decoration: none;
  border-radius: 50px;
  transition: background 0.3s ease, transform 0.2s ease, box-shadow 0.3s ease;
  align-self: flex-start;
}

.sp-card__btn:hover {
  background: var(--primary-2);
  transform: translateX(4px);
  box-shadow: 0 4px 16px rgba(11, 58, 102, 0.25);
}

/* Focus ring for accessibility */
.sp-card__btn:focus-visible {
  outline: 3px solid rgba(11, 58, 102, 0.4);
  outline-offset: 3px;
}

.sp-card__btn-icon {
  width: 18px;
  height: 18px;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  transition: transform 0.2s ease;
}

.sp-card__btn:hover .sp-card__btn-icon {
  transform: translateX(3px);
}

/* Stagger reveal animation for cards */
.sp-card.reveal {
  opacity: 1;
  transform: none;
}

/* ==============================================
   ABOUT SECTION
   ============================================== */
.about {
  background: var(--bg);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 968px) {
  .about-grid {
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
  }
}

.about-content {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.about-title {
  font-size: clamp(2rem, 5vw, 2.75rem);
  margin-bottom: 0.5rem;
}

.about-text {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--muted);
}

/* Trust Stats */
.trust-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.stat-item {
  text-align: center;
  padding: 1.5rem;
  background: white;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.stat-item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.stat-number {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--muted);
  font-weight: 500;
}

/* About Image: Single <img> approach only */
.about-image {
  position: relative;
}

.about-image img {
  width: 100%;
  height: auto;
  max-height: 500px;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

/* ==============================================
   CARRIERS / PARTNERS SECTION
   Tile wall with responsive columns
   ============================================== */
.carriers {
  background: var(--bg);
}

.carriers-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.25rem;
}

@media (max-width: 1024px) {
  .carriers-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (max-width: 768px) {
  .carriers-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 480px) {
  .carriers-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.carrier-tile {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem 1rem;
  background: white;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  border: 2px solid transparent;
  transition: all 0.3s ease;
  min-height: 90px;
}

.carrier-tile:hover {
  border-color: var(--primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.carrier-name {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--primary);
  text-align: center;
  line-height: 1.3;
}

/* ==============================================
   APPLICATION FORM (MULTI-STEP)
   ============================================== */
.apply {
  background: var(--bg);
}

.form-wrapper {
  max-width: 800px;
  margin: 0 auto;
  background: white;
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: var(--shadow);
}

/* Step Indicator */
.form-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 3rem;
  position: relative;
}

.step-indicator {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  z-index: 1;
}

.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--border);
  color: var(--muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.125rem;
  transition: var(--transition);
}

.step-indicator.active .step-number {
  background: var(--primary);
  color: white;
  box-shadow: var(--shadow-md);
  transform: scale(1.1);
}

.step-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--muted);
}

.step-indicator.active .step-label {
  color: var(--primary);
}

.step-line {
  flex: 1;
  height: 3px;
  background: var(--border);
  margin: 0 1rem;
  position: relative;
  top: -20px;
}

/* Form Steps */
.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: fadeInSlideUp 0.4s ease;
}

@keyframes fadeInSlideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Form Grid */
.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

@media (min-width: 640px) {
  .form-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-label {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--text);
}

.required {
  color: var(--error);
}

.form-input {
  padding: 0.875rem 1rem;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: var(--font-body);
  transition: var(--transition);
  background: white;
}

.form-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 58, 102, 0.1);
}

.form-input::placeholder {
  color: var(--muted);
  opacity: 0.6;
}

.form-input.error {
  border-color: var(--error);
}

.form-input.success {
  border-color: var(--success);
}

.form-error {
  font-size: 0.875rem;
  color: var(--error);
  display: none;
}

.form-error.show {
  display: block;
}

.form-help {
  font-size: 0.8125rem;
  color: var(--muted);
}

/* File Input Styling */
.file-input {
  cursor: pointer;
}

.file-input::file-selector-button {
  padding: 0.625rem 1.25rem;
  border: none;
  background: var(--bg);
  color: var(--text);
  border-radius: var(--radius-sm);
  cursor: pointer;
  margin-right: 1rem;
  transition: var(--transition);
  font-weight: 600;
}

.file-input::file-selector-button:hover {
  background: var(--primary);
  color: white;
}

/* Form Reassurance */
.form-reassurance {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem;
  background: rgba(16, 185, 129, 0.05);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(16, 185, 129, 0.2);
  margin-bottom: 2rem;
}

.reassurance-icon {
  width: 32px;
  height: 32px;
  stroke: var(--success);
  stroke-width: 2;
  flex-shrink: 0;
}

.form-reassurance p {
  font-size: 0.9375rem;
  color: var(--text);
  margin: 0;
}

/* Form Actions */
.form-actions {
  display: flex;
  gap: 1rem;
  justify-content: flex-end;
  flex-wrap: wrap;
}

.btn-submit {
  position: relative;
}

.btn-submit.loading .btn-text {
  opacity: 0;
}

.btn-submit.loading .btn-loader {
  display: flex !important;
  align-items: center;
  gap: 0.5rem;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.spinner {
  width: 20px;
  height: 20px;
  animation: spin 0.8s linear infinite;
}

.spinner-circle {
  stroke: white;
  stroke-linecap: round;
  stroke-dasharray: 50;
  stroke-dashoffset: 25;
  animation: spinDash 1.5s ease-in-out infinite;
}

@keyframes spinDash {
  0% {
    stroke-dasharray: 1, 150;
    stroke-dashoffset: 0;
  }
  50% {
    stroke-dasharray: 90, 150;
    stroke-dashoffset: -35;
  }
  100% {
    stroke-dasharray: 90, 150;
    stroke-dashoffset: -124;
  }
}

/* Form Status */
.form-status {
  margin-top: 1.5rem;
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  font-weight: 500;
  display: none;
}

.form-status.show {
  display: block;
  animation: fadeInUp 0.3s ease;
}

.form-status.success {
  background: rgba(16, 185, 129, 0.1);
  color: var(--success);
  border: 1px solid rgba(16, 185, 129, 0.3);
}

.form-status.error {
  background: rgba(239, 68, 68, 0.1);
  color: var(--error);
  border: 1px solid rgba(239, 68, 68, 0.3);
}

/* ==============================================
   FAQ SECTION
   ============================================== */
.faq {
  background: white;
}

.faq-wrapper {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.5rem 1rem;
  background: none;
  border: none;
  font-size: 1.125rem;
  font-weight: 600;
  font-family: var(--font-body);
  color: var(--text);
  cursor: pointer;
  text-align: left;
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--primary);
}

.faq-icon {
  width: 24px;
  height: 24px;
  stroke: var(--primary);
  stroke-width: 2.5;
  transition: var(--transition);
  flex-shrink: 0;
}

.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-answer.open {
  max-height: 500px;
  padding: 0 1rem 1.5rem;
}

.faq-answer p {
  color: var(--muted);
  line-height: 1.7;
  margin: 0;
}

/* ==============================================
   CONTACT SECTION
   ============================================== */
.contact {
  background: var(--bg);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
}

@media (min-width: 968px) {
  .contact-grid {
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
  }
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.contact-item {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
}

.contact-icon {
  width: 48px;
  height: 48px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  width: 24px;
  height: 24px;
  stroke: white;
  stroke-width: 2;
}

.contact-details h3 {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
  color: var(--primary);
}

.contact-details p,
.contact-details a {
  color: var(--muted);
  font-size: 1rem;
  margin: 0;
}

.contact-details a:hover {
  color: var(--primary);
  text-decoration: underline;
}

/* Contact Socials */
.contact-socials h3 {
  font-size: 1.125rem;
  margin-bottom: 1rem;
  color: var(--primary);
}

.social-links {
  display: flex;
  gap: 1rem;
}

.social-link {
  width: 48px;
  height: 48px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.social-link:hover {
  background: var(--primary-2);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.social-link svg {
  width: 20px;
  height: 20px;
  fill: white;
}

/* Contact Image */
.contact-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

/* ==============================================
   FOOTER
   ============================================== */
.footer {
  background: var(--primary);
  color: white;
  padding: 4rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-logo {
  height: 64px;
  width: auto;
  margin-bottom: 1rem;
}

.footer-tagline {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.9375rem;
  line-height: 1.6;
}

.footer-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  color: white;
}

.footer-links,
.footer-contact {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links a,
.footer-contact a {
  color: rgba(255, 255, 255, 0.8);
  transition: var(--transition);
  display: inline-block;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: white;
  transform: translateX(4px);
}

.footer-contact li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.footer-contact svg {
  width: 18px;
  height: 18px;
  stroke-width: 2;
  flex-shrink: 0;
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  text-align: center;
}

.footer-disclaimer {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.875rem;
  line-height: 1.6;
}

/* ==============================================
   FLOATING WHATSAPP BUTTON
   ============================================== */
.whatsapp-float {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 60px;
  height: 60px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  z-index: 999;
  transition: var(--transition);
  animation: floatPulse 3s ease-in-out infinite;
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 20px 50px rgba(37, 211, 102, 0.4);
  background: #128c7e;
}

.whatsapp-float svg {
  width: 32px;
  height: 32px;
}

@keyframes floatPulse {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-10px);
  }
}

/* ==============================================
   SCROLL REVEAL ANIMATIONS
   ============================================== */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* Staggered Reveal (for grids) */
.reveal-stagger .reveal {
  transition-delay: var(--reveal-delay, 0ms);
}

/* ==============================================
   KEYFRAME ANIMATIONS
   ============================================== */
@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeInSlideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ==============================================
   REDUCED MOTION (Accessibility)
   ============================================== */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  
  .hero-image {
    animation: none;
  }

  .hero-slide {
    transition: none;
  }
  
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* ==============================================
   RESPONSIVE UTILITIES
   ============================================== */
@media (max-width: 640px) {
  .hero-cta {
    flex-direction: column;
    align-items: stretch;
  }
  
  .hero-trust {
    flex-direction: column;
    gap: 1rem;
  }
  
  .form-wrapper {
    padding: 2rem 1.5rem;
  }
  
  .form-actions {
    flex-direction: column;
  }
  
  .whatsapp-float {
    bottom: 1.5rem;
    right: 1.5rem;
    width: 56px;
    height: 56px;
  }
  
  .whatsapp-float svg {
    width: 28px;
    height: 28px;
  }
}

/* ==============================================
   PRINT STYLES
   ============================================== */
@media print {
  .header,
  .whatsapp-float,
  .btn,
  .menu-toggle {
    display: none !important;
  }
  
  body {
    background: white;
  }
  
  .section {
    page-break-inside: avoid;
  }
}