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

:root {
  --navy-primary: #1a2b5a;
  --navy-dark: #0f1935;
  --navy-light: #2a3b6a;
  --orange-primary: #ff6b35;
  --orange-hover: #ff5520;
  --orange-light: #ff8f66;
  --white: #ffffff;
  --gray-light: #f8f9fa;
  --gray-medium: #6c757d;
  --gray-dark: #343a40;
  --text-primary: #2d3748;
  --text-secondary: #718096;
  --border-color: #e2e8f0;
  --shadow: 0 4px 6px rgba(0, 0, 0, 0.07);
  --shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.1);
  --transition: all 0.3s ease;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--white);
  overflow-x: hidden;
}

/* Loading mechanism styles */
.dynamic-content {
    opacity: 0;
    transition: opacity 0.4s ease-in-out;
}
.dynamic-content.loaded {
    opacity: 1;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.page-loader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

.page-loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid var(--gray-light);
  border-top: 4px solid var(--orange-primary);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

.info-banner {
  background: var(--navy-primary);
  color: var(--white);
  padding: 12px 0;
  font-size: 14px;
  border-bottom: 2px solid var(--orange-primary);
}

.info-banner-content {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.info-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  text-decoration: none;
  transition: var(--transition);
}

.info-item:hover {
  color: var(--orange-primary);
}

.info-item svg {
  flex-shrink: 0;
}

.header {
  background: var(--white);
  box-shadow: var(--shadow);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
}

.logo {
  font-size: 28px;
  font-weight: 700;
  color: var(--navy-primary);
  text-decoration: none;
  transition: var(--transition);
}

.logo:hover {
  color: var(--orange-primary);
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}

.nav-menu a {
  color: var(--text-primary);
  text-decoration: none;
  font-weight: 500;
  font-size: 15px;
  transition: var(--transition);
  position: relative;
}

.nav-menu a:not(.nav-cta)::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--orange-primary);
  transition: var(--transition);
}

.nav-menu a:not(.nav-cta):hover::after,
.nav-menu a:not(.nav-cta).active::after {
  width: 100%;
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--orange-primary);
}

.nav-cta {
  background: var(--orange-primary);
  color: var(--white) !important;
  padding: 10px 24px;
  border-radius: 6px;
  transition: var(--transition);
}

.nav-cta::after {
  display: none !important;
}

.nav-cta:hover {
  background: var(--orange-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.mobile-toggle span {
  width: 25px;
  height: 3px;
  background: var(--navy-primary);
  transition: var(--transition);
  border-radius: 2px;
}

.mobile-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(7px, 7px);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

.hero {
  background: linear-gradient(135deg, var(--navy-primary) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: var(--orange-primary);
  opacity: 0.1;
  border-radius: 50%;
  animation: float 20s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-30px) rotate(180deg); }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-block;
  background: rgba(255, 107, 53, 0.2);
  color: var(--orange-primary);
  padding: 8px 16px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
  border: 1px solid var(--orange-primary);
}

.hero-title {
  font-size: 56px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
  color: var(--white);
}

.hero-title span {
  color: var(--orange-primary);
}

.hero-description {
  font-size: 18px;
  line-height: 1.8;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.9);
}

.hero-image {
  position: relative;
  animation: fadeInRight 1s ease;
}

.hero-image img {
  width: 100%;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  transition: var(--transition);
}

.hero-image:hover img {
  transform: scale(1.02);
}

@keyframes fadeInRight {
  from {
    opacity: 0;
    transform: translateX(50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.btn-primary {
  display: inline-block;
  background: var(--orange-primary);
  color: var(--white);
  padding: 16px 36px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: var(--transition);
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 15px rgba(255, 107, 53, 0.3);
}

.btn-primary:hover {
  background: var(--orange-hover);
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(255, 107, 53, 0.4);
}

.btn-secondary {
  display: inline-block;
  background: transparent;
  color: var(--navy-primary);
  padding: 16px 36px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: var(--transition);
  border: 2px solid var(--navy-primary);
}

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

.stats-section {
  background: var(--white);
  padding: 60px 0;
  margin-top: -40px;
  position: relative;
  z-index: 2;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.stat-card {
  background: var(--white);
  padding: 40px 30px;
  border-radius: 12px;
  text-align: center;
  box-shadow: var(--shadow-lg);
  transition: var(--transition);
  border-top: 4px solid var(--orange-primary);
}

.stat-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
}

.stat-number {
  font-size: 48px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 10px;
}

.stat-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-secondary);
  letter-spacing: 1px;
  text-transform: uppercase;
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}

.section-badge {
  display: inline-block;
  background: var(--gray-light);
  color: var(--orange-primary);
  padding: 8px 20px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  margin-bottom: 16px;
  border: 2px solid var(--orange-primary);
}

.section-header h2 {
  font-size: 42px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 16px;
  line-height: 1.3;
}

.section-header p {
  font-size: 18px;
  color: var(--text-secondary);
  line-height: 1.7;
}

.about-section {
  padding: 100px 0;
  background: var(--gray-light);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-image {
  position: relative;
}

.about-image img {
  width: 100%;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
}

.about-badge {
  position: absolute;
  top: 20px;
  left: 20px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 12px 24px;
  border-radius: 30px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 1px;
}

.about-content h2 {
  font-size: 38px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 24px;
  line-height: 1.3;
}

.about-content p {
  font-size: 16px;
  color: var(--text-secondary);
  margin-bottom: 20px;
  line-height: 1.8;
}

.check-list {
  list-style: none;
  margin: 30px 0;
}

.check-list li {
  padding: 12px 0 12px 36px;
  position: relative;
  font-size: 16px;
  color: var(--text-primary);
  font-weight: 500;
}

.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 12px;
  width: 24px;
  height: 24px;
  background: var(--orange-primary);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
}

.services-intro {
  padding: 100px 0 50px;
  background: var(--white);
}

.services-section {
  padding: 0 0 100px;
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
}

.service-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid var(--border-color);
}

.service-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-lg);
}

.service-image {
  position: relative;
  height: 240px;
  overflow: hidden;
}

.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: var(--transition);
}

.service-card:hover .service-image img {
  transform: scale(1.1);
}

.service-icon {
  position: absolute;
  bottom: -25px;
  left: 30px;
  width: 70px;
  height: 70px;
  background: var(--navy-primary);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  z-index: 1;
}

.service-icon svg {
  color: var(--orange-primary);
}

.service-card h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--navy-primary);
  margin: 40px 30px 16px;
}

.service-card p {
  color: var(--text-secondary);
  line-height: 1.7;
  padding: 0 30px 20px;
  font-size: 15px;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--orange-primary);
  text-decoration: none;
  font-weight: 600;
  padding: 0 30px 30px;
  transition: var(--transition);
}

.service-link:hover {
  gap: 12px;
}

.coverage-section {
  padding: 100px 0;
  background: var(--white);
}

.coverage-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.coverage-content h2 {
  font-size: 38px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 24px;
  line-height: 1.3;
}

.coverage-content p {
  font-size: 16px;
  color: var(--text-secondary);
  margin-bottom: 30px;
  line-height: 1.8;
}

.coverage-list {
  list-style: none;
  margin: 30px 0;
}

.coverage-list li {
  padding: 16px 0 16px 40px;
  position: relative;
  font-size: 16px;
  color: var(--text-primary);
  font-weight: 500;
  border-bottom: 1px solid var(--border-color);
}

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

.coverage-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 16px;
  width: 28px;
  height: 28px;
  background: var(--orange-primary);
  color: var(--white);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
}

.coverage-image {
  position: relative;
}

.coverage-image img {
  width: 100%;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
}

.features-section {
  padding: 100px 0;
  background: var(--gray-light);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.feature-box {
  background: var(--white);
  padding: 40px 30px;
  border-radius: 12px;
  transition: var(--transition);
  border: 2px solid transparent;
}

.feature-box:hover {
  border-color: var(--orange-primary);
  transform: translateY(-5px);
  box-shadow: var(--shadow);
}

.feature-box h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy-primary);
  margin-bottom: 12px;
}

.feature-box p {
  color: var(--text-secondary);
  line-height: 1.7;
  font-size: 15px;
}

.benefits-section {
  padding: 100px 0;
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.benefit-card {
  background: var(--white);
  padding: 0;
  border-radius: 20px;
  text-align: left;
  transition: var(--transition);
  border: 2px solid var(--border-color);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  position: relative;
}

.benefit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--orange-primary), var(--orange-light));
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.benefit-card:hover::before {
  transform: scaleX(1);
}

.benefit-card:hover {
  border-color: var(--orange-primary);
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

.benefit-icon-wrapper {
  background: linear-gradient(135deg, var(--navy-primary), var(--navy-light));
  padding: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.benefit-icon-wrapper::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255, 107, 53, 0.1) 0%, transparent 70%);
  transition: var(--transition);
}

.benefit-card:hover .benefit-icon-wrapper::before {
  transform: scale(1.2);
}

.benefit-icon-wrapper svg {
  color: var(--orange-primary);
  position: relative;
  z-index: 1;
  transition: var(--transition);
}

.benefit-card:hover .benefit-icon-wrapper svg {
  transform: scale(1.1);
}

.benefit-header {
  padding: 24px 32px 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.benefit-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy-primary);
  margin: 0;
  flex: 1;
}

.benefit-tag {
  background: var(--orange-primary);
  color: var(--white);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  white-space: nowrap;
}

.benefit-description {
  color: var(--text-secondary);
  line-height: 1.7;
  font-size: 15px;
  padding: 0 32px;
  margin-bottom: 24px;
}

.benefit-list {
  list-style: none;
  padding: 0 32px;
  margin: 0 0 32px 0;
  flex: 1;
}

.benefit-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: var(--text-primary);
  font-size: 15px;
  line-height: 1.6;
}

.benefit-list li:last-child {
  margin-bottom: 0;
}

.benefit-list li svg {
  color: var(--orange-primary);
  flex-shrink: 0;
  margin-top: 2px;
}

.benefit-list li span {
  flex: 1;
}

.benefit-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--navy-primary);
  color: var(--white);
  text-decoration: none;
  padding: 18px 32px;
  font-weight: 600;
  font-size: 16px;
  transition: var(--transition);
  border-top: 1px solid var(--border-color);
}

.benefit-cta svg {
  transition: var(--transition);
}

.benefit-cta:hover {
  background: var(--orange-primary);
}

.benefit-cta:hover svg {
  transform: translateX(4px);
}

.benefit-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--navy-primary), var(--navy-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}

.benefit-icon svg {
  color: var(--orange-primary);
}

.benefit-card p {
  color: var(--text-secondary);
  line-height: 1.7;
  font-size: 15px;
}

.process-section {
  padding: 100px 0;
  background: var(--navy-primary);
  color: var(--white);
}

.process-section .section-header h2,
.process-section .section-header p {
  color: var(--white);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.process-step {
  text-align: center;
  padding: 30px 20px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 12px;
  border: 2px solid rgba(255, 255, 255, 0.1);
  transition: var(--transition);
}

.process-step:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-5px);
}

.step-number {
  font-size: 48px;
  font-weight: 800;
  color: var(--orange-primary);
  margin-bottom: 16px;
}

.process-step h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--white);
}

.process-step p {
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.6;
  font-size: 14px;
}

.testimonials-section {
  padding: 100px 0;
  background: var(--gray-light);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.testimonial-card {
  background: var(--white);
  padding: 40px;
  border-radius: 12px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.testimonial-rating {
  color: var(--orange-primary);
  font-size: 20px;
  margin-bottom: 16px;
}

.testimonial-text {
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-secondary);
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 16px;
}

.author-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--navy-primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 18px;
}

.author-info h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-primary);
  margin-bottom: 4px;
}

.author-info p {
  font-size: 14px;
  color: var(--text-secondary);
}

.cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--orange-primary) 0%, var(--orange-hover) 100%);
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  animation: float 15s ease-in-out infinite;
}

.cta-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
  margin: 0 auto;
}

.cta-content h2 {
  font-size: 42px;
  font-weight: 800;
  margin-bottom: 20px;
  color: var(--white);
}

.cta-content p {
  font-size: 18px;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.95);
  line-height: 1.7;
}

.cta-section .btn-primary {
  background: var(--white);
  color: var(--orange-primary);
}

.cta-section .btn-primary:hover {
  background: var(--gray-light);
  transform: translateY(-3px);
}

.contact-section {
  padding: 100px 0;
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: start;
}

.contact-info h2 {
  font-size: 38px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 20px;
}

.contact-info p {
  font-size: 16px;
  color: var(--text-secondary);
  margin-bottom: 32px;
  line-height: 1.7;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-item {
  display: flex;
  align-items: start;
  gap: 16px;
  padding: 20px;
  background: var(--gray-light);
  border-radius: 12px;
  transition: var(--transition);
}

.contact-item:hover {
  background: var(--orange-primary);
  color: var(--white);
  transform: translateX(8px);
}

.contact-item svg {
  flex-shrink: 0;
  margin-top: 4px;
}

.contact-item-content h3 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 4px;
}

.contact-item-content p,
.contact-item-content a {
  color: inherit;
  text-decoration: none;
  font-size: 15px;
}

.contact-form {
  background: var(--gray-light);
  padding: 50px;
  border-radius: 16px;
  box-shadow: var(--shadow);
}

.contact-form h3 {
  font-size: 28px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 24px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
  font-size: 14px;
}

.form-group label .required {
  color: var(--orange-primary);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border-color);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  transition: var(--transition);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--orange-primary);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.form-group.error input,
.form-group.error select,
.form-group.error textarea {
  border-color: #dc3545;
}

.error-message {
  color: #dc3545;
  font-size: 13px;
  margin-top: 6px;
  display: none;
}

.form-group.error .error-message {
  display: block;
}


/* Better select arrow spacing / consistent cross-browser rendering */
.form-group select {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;

  /* Leave room for the custom arrow */
  padding-right: 2.75rem;

  /* Custom arrow (SVG). Change %2364748b to another hex if needed. */
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none'%3E%3Cpath d='M6 8l4 4 4-4' stroke='%2364748b' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 1.1rem;
}

/* IE / legacy Edge: hide native arrow */
.form-group select::-ms-expand {
  display: none;
}

.consent-group {
  margin: 24px 0;
}

.consent-checkbox {
  display: flex;
  gap: 12px;
  align-items: start;
}

.consent-checkbox input[type="checkbox"] {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  cursor: pointer;
}

.consent-text {
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-secondary);
}

.consent-text a {
  color: var(--orange-primary);
  text-decoration: none;
  font-weight: 600;
}

.consent-text a:hover {
  text-decoration: underline;
}

.submit-btn {
  position: relative;
  width: 100%;
}

.submit-btn .btn-primary {
  width: 100%;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.submit-btn .btn-primary:disabled {
  opacity: 0.7;
  cursor: not-allowed;
}

.btn-spinner {
  display: none;
  width: 20px;
  height: 20px;
  border: 3px solid rgba(255, 255, 255, 0.3);
  border-top: 3px solid var(--white);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

.submit-btn .btn-primary.loading .btn-spinner {
  display: inline-block;
}

.toast {
  position: fixed;
  top: 100px;
  right: 24px;
  background: var(--white);
  padding: 20px 24px;
  border-radius: 12px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 16px;
  z-index: 10000;
  transform: translateX(400px);
  transition: transform 0.3s ease;
}

.toast.show {
  transform: translateX(0);
}

.toast.success {
  border-left: 4px solid #28a745;
}

.toast.error {
  border-left: 4px solid #dc3545;
}

.toast-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.toast.success .toast-icon {
  background: #28a745;
  color: var(--white);
}

.toast.error .toast-icon {
  background: #dc3545;
  color: var(--white);
}

.toast-content h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-primary);
  margin-bottom: 4px;
}

.toast-content p {
  font-size: 14px;
  color: var(--text-secondary);
}

.footer {
  background: var(--navy-dark);
  color: var(--white);
  padding-top: 80px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 60px;
  margin-bottom: 40px;
}

.footer-brand h3 {
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
  margin-bottom: 24px;
  font-size: 15px;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  font-size: 15px;
  transition: var(--transition);
}

.footer-contact-item:hover {
  color: var(--orange-primary);
  transform: translateX(4px);
}

.footer-column h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
}

.footer-column ul {
  list-style: none;
}

.footer-column ul li {
  margin-bottom: 12px;
}

.footer-column ul li a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-size: 15px;
  transition: var(--transition);
}

.footer-column ul li a:hover {
  color: var(--orange-primary);
  padding-left: 8px;
}

.footer-location {
  display: flex;
  gap: 12px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
  font-size: 15px;
}

.footer-location svg {
  flex-shrink: 0;
  margin-top: 4px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px 0;
  text-align: center;
}

.footer-bottom-content p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
}

.content-section {
  padding: 80px 0;
  background: var(--white);
}

.content-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.content-wrapper h2 {
  font-size: 32px;
  font-weight: 800;
  color: var(--navy-primary);
  margin: 40px 0 20px;
}

.content-wrapper h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--navy-primary);
  margin: 32px 0 16px;
}

.content-wrapper p {
  font-size: 16px;
  line-height: 1.8;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.content-wrapper a {
  color: var(--orange-primary);
  text-decoration: none;
}

.content-wrapper a:hover {
  text-decoration: underline;
}

.privacy-hero,
.terms-hero {
  background: linear-gradient(135deg, var(--navy-primary) 0%, var(--navy-dark) 100%);
  padding: 80px 0 60px;
  text-align: center;
  color: var(--white);
}

.privacy-hero h1,
.terms-hero h1 {
  font-size: 48px;
  font-weight: 800;
  color: var(--white);
}

.fade-in-up {
  animation: fadeInUp 1s ease;
}

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

@media (max-width: 968px) {
  .mobile-toggle {
    display: flex;
  }

  .nav-menu {
    position: fixed;
    top: 79px;
    left: 0;
    width: 100%;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    box-shadow: var(--shadow);
    transform: translateX(-100%);
    transition: var(--transition);
    gap: 16px;
  }

  .nav-menu.active {
    transform: translateX(0);
  }

  .hero-grid,
  .about-grid,
  .coverage-grid,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-title {
    font-size: 40px;
  }

  .stats-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

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

  .features-grid,
  .benefits-grid {
    grid-template-columns: 1fr;
  }

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

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

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .contact-form {
    padding: 30px;
  }
}

@media (max-width: 640px) {
  .hero-title {
    font-size: 32px;
  }

  .hero-description {
    font-size: 16px;
  }

  .section-header h2 {
    font-size: 32px;
  }

  .about-content h2,
  .coverage-content h2,
  .contact-info h2 {
    font-size: 28px;
  }

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

  .info-banner-content {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }

  .contact-form {
    padding: 24px;
  }
}

.hero-home-new {
  background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
  padding: 120px 0 60px;
  position: relative;
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background-image: radial-gradient(circle, var(--orange-primary) 1px, transparent 1px);
  background-size: 30px 30px;
  opacity: 0.05;
}

.hero-home-layout {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  padding: 10px 20px;
  border-radius: 30px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  color: var(--navy-primary);
  margin-bottom: 24px;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
}

.eyebrow-dot {
  width: 8px;
  height: 8px;
  background: var(--orange-primary);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}

.hero-home-title {
  font-size: 64px;
  font-weight: 900;
  line-height: 1.1;
  color: var(--navy-primary);
  margin-bottom: 24px;
  letter-spacing: -1px;
}

.title-gradient {
  background: linear-gradient(135deg, var(--orange-primary), var(--orange-hover));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-home-desc {
  font-size: 18px;
  line-height: 1.7;
  color: var(--text-secondary);
  margin-bottom: 40px;
  max-width: 540px;
}

.hero-cta-group {
  display: flex;
  gap: 16px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}

.btn-hero-orange {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 18px 36px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 700;
  font-size: 16px;
  transition: var(--transition);
  box-shadow: 0 8px 25px rgba(255, 107, 53, 0.3);
}

.btn-hero-orange:hover {
  background: var(--orange-hover);
  transform: translateY(-3px);
  box-shadow: 0 12px 30px rgba(255, 107, 53, 0.4);
}

.btn-hero-outline {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: transparent;
  color: var(--navy-primary);
  padding: 18px 36px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 700;
  font-size: 16px;
  transition: var(--transition);
  border: 2px solid var(--navy-primary);
}

.btn-hero-outline:hover {
  background: var(--navy-primary);
  color: var(--white);
  transform: translateY(-3px);
}

.hero-trust-bar {
  display: flex;
  align-items: center;
  gap: 32px;
  padding: 24px 0;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
}

.trust-item svg {
  color: var(--orange-primary);
  flex-shrink: 0;
}

.trust-item strong {
  display: block;
  font-size: 15px;
  color: var(--navy-primary);
  margin-bottom: 2px;
}

.trust-item span {
  font-size: 13px;
  color: var(--text-secondary);
}

.trust-divider {
  width: 1px;
  height: 40px;
  background: var(--border-color);
}

.hero-home-visual {
  position: relative;
}

.hero-image-main {
  position: relative;
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.15);
}

.hero-image-main img {
  width: 100%;
  display: block;
}

.image-frame {
  position: absolute;
  top: -20px;
  left: -20px;
  right: 20px;
  bottom: 20px;
  border: 3px solid var(--orange-primary);
  border-radius: 30px;
  z-index: -1;
}

.floating-card {
  position: absolute;
  background: var(--white);
  padding: 16px 20px;
  border-radius: 16px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.12);
  display: flex;
  align-items: center;
  gap: 12px;
  animation: floatCard 3s ease-in-out infinite;
}

.floating-card-1 {
  top: 20%;
  left: -40px;
  animation-delay: 0s;
}

.floating-card-2 {
  top: 50%;
  right: -40px;
  animation-delay: 1s;
}

.floating-card-3 {
  bottom: 10%;
  left: -30px;
  animation-delay: 2s;
}

.card-icon {
  width: 45px;
  height: 45px;
  background: var(--navy-primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  flex-shrink: 0;
}

.card-icon.orange {
  background: var(--orange-primary);
}

.card-content strong {
  display: block;
  font-size: 18px;
  font-weight: 800;
  color: var(--navy-primary);
  margin-bottom: 2px;
}

.card-content p {
  font-size: 13px;
  color: var(--text-secondary);
  margin: 0;
}

.hero-stats-banner {
  background: var(--navy-primary);
  padding: 40px 0;
  margin-top: 80px;
}

.stats-banner-grid {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.stat-banner-item {
  text-align: center;
  flex: 1;
}

.stat-banner-number {
  font-size: 42px;
  font-weight: 900;
  color: var(--orange-primary);
  margin-bottom: 8px;
  line-height: 1;
}

.stat-banner-label {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 500;
  letter-spacing: 0.5px;
}

.stat-banner-divider {
  width: 1px;
  height: 50px;
  background: rgba(255, 255, 255, 0.1);
}

.hero-health {
  background: linear-gradient(135deg, var(--navy-primary) 0%, var(--navy-dark) 100%);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
  color: var(--white);
}

.hero-health-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url('data:image/svg+xml,<svg width="100" height="100" xmlns="http://www.w3.org/2000/svg"><circle cx="50" cy="50" r="2" fill="rgba(255,255,255,0.05)"/></svg>');
  background-size: 50px 50px;
}

.hero-health-wrapper {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.breadcrumb-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.7);
}

.breadcrumb-nav a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  transition: var(--transition);
}

.breadcrumb-nav a:hover {
  color: var(--orange-primary);
}

.breadcrumb-nav span {
  color: var(--white);
}

.hero-health-title {
  font-size: 58px;
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 24px;
  color: var(--white);
}

.title-small {
  display: block;
  font-size: 24px;
  font-weight: 600;
  color: var(--orange-primary);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.title-accent {
  color: var(--orange-primary);
}

.hero-health-subtitle {
  font-size: 18px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 32px;
  max-width: 580px;
}

.hero-health-features {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 40px;
}

.health-feature-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 107, 53, 0.15);
  border: 1px solid var(--orange-primary);
  padding: 10px 18px;
  border-radius: 30px;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}

.health-feature-tag svg {
  color: var(--orange-primary);
}

.hero-health-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-health-primary {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 18px 40px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 700;
  font-size: 16px;
  transition: var(--transition);
  box-shadow: 0 8px 25px rgba(255, 107, 53, 0.35);
}

.btn-health-primary:hover {
  background: var(--orange-hover);
  transform: translateY(-3px);
  box-shadow: 0 12px 30px rgba(255, 107, 53, 0.45);
}

.btn-health-secondary {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  color: var(--navy-primary);
  padding: 18px 40px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 700;
  font-size: 16px;
  transition: var(--transition);
}

.btn-health-secondary:hover {
  background: var(--gray-light);
  transform: translateY(-3px);
}

.hero-health-visual {
  position: relative;
}

.health-image-card {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.health-image-card img {
  width: 100%;
  display: block;
}

.health-image-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: var(--white);
  padding: 16px 20px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.15);
}

.health-image-badge svg {
  color: var(--orange-primary);
}

.health-image-badge strong {
  display: block;
  font-size: 16px;
  color: var(--navy-primary);
  margin-bottom: 2px;
}

.health-image-badge p {
  font-size: 13px;
  color: var(--text-secondary);
  margin: 0;
}

.health-price-card {
  position: absolute;
  bottom: -30px;
  right: -30px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 24px 32px;
  border-radius: 20px;
  text-align: center;
  box-shadow: 0 15px 50px rgba(255, 107, 53, 0.4);
}

.price-label {
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 8px;
  opacity: 0.9;
}

.price-amount {
  display: flex;
  align-items: baseline;
  justify-content: center;
  margin-bottom: 8px;
}

.price-dollar {
  font-size: 24px;
  font-weight: 700;
}

.price-value {
  font-size: 48px;
  font-weight: 900;
  line-height: 1;
}

.price-period {
  font-size: 16px;
  font-weight: 600;
  margin-left: 4px;
}

.price-note {
  font-size: 12px;
  opacity: 0.9;
  margin: 0;
}

.health-stats-mini {
  position: absolute;
  top: -20px;
  right: -20px;
  background: var(--white);
  padding: 20px;
  border-radius: 16px;
  display: flex;
  gap: 24px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.15);
}

.mini-stat {
  text-align: center;
}

.mini-stat strong {
  display: block;
  font-size: 20px;
  font-weight: 800;
  color: var(--orange-primary);
  margin-bottom: 4px;
}

.mini-stat span {
  font-size: 11px;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-weight: 600;
}

.hero-health-decorations {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  pointer-events: none;
}

.deco-circle {
  position: absolute;
  border-radius: 50%;
  background: var(--orange-primary);
  opacity: 0.06;
}

.deco-1 {
  width: 400px;
  height: 400px;
  top: -100px;
  right: -100px;
}

.deco-2 {
  width: 300px;
  height: 300px;
  bottom: -50px;
  left: -50px;
}

.hero-life {
  background: var(--gray-light);
  overflow: hidden;
}

.hero-life-container {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  min-height: 85vh;
}

.hero-life-left {
  background: var(--white);
  padding: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.hero-life-image-wrapper {
  position: relative;
  width: 100%;
  max-width: 500px;
}

.hero-life-image {
  width: 100%;
  border-radius: 24px;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.15);
}

.life-image-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(26, 43, 90, 0.1), transparent);
  border-radius: 24px;
}

.life-coverage-badge {
  position: absolute;
  top: 24px;
  left: 24px;
  background: var(--navy-primary);
  color: var(--white);
  padding: 20px 24px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
}

.life-coverage-badge svg {
  color: var(--orange-primary);
  flex-shrink: 0;
}

.badge-amount {
  font-size: 28px;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 4px;
}

.badge-label {
  font-size: 12px;
  opacity: 0.8;
}

.life-rating-badge {
  position: absolute;
  bottom: 24px;
  right: 24px;
  background: var(--white);
  padding: 16px 20px;
  border-radius: 12px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.15);
}

.rating-stars {
  color: var(--orange-primary);
  font-size: 18px;
  margin-bottom: 6px;
  letter-spacing: 2px;
}

.rating-text {
  font-size: 13px;
  color: var(--text-primary);
}

.rating-text strong {
  color: var(--navy-primary);
  font-weight: 700;
}

.hero-life-right {
  padding: 80px 60px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #f8f9fa, #ffffff);
}

.hero-life-content {
  max-width: 600px;
}

.life-nav-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

.life-nav-breadcrumb a {
  color: var(--text-secondary);
  text-decoration: none;
  transition: var(--transition);
}

.life-nav-breadcrumb a:hover {
  color: var(--orange-primary);
}

.life-category-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 8px 16px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  margin-bottom: 24px;
}

.hero-life-title {
  font-size: 52px;
  font-weight: 900;
  line-height: 1.1;
  color: var(--navy-primary);
  margin-bottom: 24px;
}

.title-underline {
  position: relative;
  display: inline-block;
  color: var(--orange-primary);
}

.title-underline::after {
  content: '';
  position: absolute;
  bottom: 8px;
  left: 0;
  right: 0;
  height: 12px;
  background: var(--orange-primary);
  opacity: 0.2;
  z-index: -1;
}

.hero-life-description {
  font-size: 18px;
  line-height: 1.7;
  color: var(--text-secondary);
  margin-bottom: 32px;
}

.life-benefit-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 40px;
}

.life-benefit-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--text-primary);
  font-weight: 500;
}

.life-benefit-item svg {
  color: var(--orange-primary);
  flex-shrink: 0;
}

.hero-life-cta-group {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.btn-life-primary {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--orange-primary);
  color: var(--white);
  padding: 18px 40px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 700;
  font-size: 16px;
  transition: var(--transition);
  box-shadow: 0 8px 25px rgba(255, 107, 53, 0.3);
}

.btn-life-primary:hover {
  background: var(--orange-hover);
  transform: translateY(-3px);
  box-shadow: 0 12px 30px rgba(255, 107, 53, 0.4);
}

.life-cta-info {
  display: flex;
  align-items: center;
  gap: 12px;
}

.info-icon {
  width: 40px;
  height: 40px;
  background: var(--navy-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  flex-shrink: 0;
}

.info-text strong {
  display: block;
  font-size: 15px;
  color: var(--navy-primary);
  margin-bottom: 2px;
}

.info-text p {
  font-size: 13px;
  color: var(--text-secondary);
  margin: 0;
}

.life-trust-logos {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-top: 32px;
  border-top: 1px solid var(--border-color);
}

.trust-text {
  font-size: 14px;
  color: var(--text-secondary);
  font-weight: 600;
}

.trust-badge-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  color: var(--text-primary);
  font-weight: 600;
}

.trust-badge-item svg {
  color: var(--orange-primary);
}

@media (max-width: 968px) {
  .hero-home-layout,
  .hero-health-wrapper,
  .hero-life-container {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-home-title {
    font-size: 42px;
  }

  .hero-health-title,
  .hero-life-title {
    font-size: 38px;
  }

  .floating-card-1,
  .floating-card-2,
  .floating-card-3 {
    position: static;
    margin: 16px 0;
  }

  .stats-banner-grid {
    flex-wrap: wrap;
  }

  .stat-banner-divider {
    display: none;
  }

  .hero-life-container {
    min-height: auto;
  }

  .hero-life-left {
    order: 2;
    padding: 40px 24px;
  }

  .hero-life-right {
    order: 1;
    padding: 60px 24px;
  }

  .hero-life-title {
    font-size: 36px;
  }

  .life-coverage-badge {
    padding: 16px 20px;
  }

  .badge-amount {
    font-size: 24px;
  }

  .life-rating-badge {
    padding: 12px 16px;
  }

  .rating-stars {
    font-size: 16px;
  }

  .life-benefit-list {
    gap: 12px;
  }

  .hero-life-cta-group {
    flex-direction: column;
    align-items: stretch;
    gap: 16px;
  }

  .btn-life-primary {
    width: 100%;
    justify-content: center;
  }

  .life-cta-info {
    width: 100%;
    justify-content: center;
  }

  .life-trust-logos {
    flex-wrap: wrap;
    justify-content: center;
  }
}

@media (max-width: 640px) {
  .hero-life-title {
    font-size: 28px;
  }

  .hero-life-description {
    font-size: 16px;
  }

  .life-benefit-item {
    font-size: 14px;
  }

  .life-coverage-badge {
    top: 16px;
    left: 16px;
    padding: 12px 16px;
  }

  .badge-amount {
    font-size: 20px;
  }

  .badge-label {
    font-size: 11px;
  }

  .life-rating-badge {
    bottom: 16px;
    right: 16px;
    padding: 10px 14px;
  }

  .rating-stars {
    font-size: 14px;
  }

  .rating-text {
    font-size: 12px;
  }
}