/* ============================================================================
   Public Liability Insurance NZ - Comprehensive Lifestyle CSS Stylesheet
   Design System: Warm, Approachable, Real People & Businesses Focus
   ============================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

/* ============================================================================
   1. CSS VARIABLES - BRAND COLORS & TYPOGRAPHY
   ============================================================================ */

:root {
  /* Primary Colors */
  --color-bg-dark: #1B1F26;
  --color-bg-light: #FFFFFF;
  --color-bg-light-secondary: #F8F9FA;
  --color-bg-light-tertiary: #F5F6F8;
  --color-bg-warm-cream: #FFFBF7;

  /* Accent Colors - Brand */
  --color-accent-green: #70E8B0;
  --color-accent-teal: #31BFCE;
  --color-accent-gold: #FFC66B;

  /* Text Colors */
  --color-text-dark: #1B1F26;
  --color-text-dark-secondary: #2D3748;
  --color-text-muted: #6B7280;
  --color-text-light: #FFFFFF;

  /* Status Colors */
  --color-success: #10B981;
  --color-warning: #F59E0B;
  --color-error: #EF4444;
  --color-info: #3B82F6;

  /* Gradients for Lifestyle Photos */
  --gradient-ocean: linear-gradient(135deg, #0369A1 0%, #0EA5E9 100%);
  --gradient-forest: linear-gradient(135deg, #15803D 0%, #4ADE80 100%);
  --gradient-sunset: linear-gradient(135deg, #EA580C 0%, #FCA5A5 100%);
  --gradient-sky: linear-gradient(135deg, #1E40AF 0%, #93C5FD 100%);
  --gradient-earth: linear-gradient(135deg, #92400E 0%, #D97706 100%);
  --gradient-golden: linear-gradient(135deg, #B45309 0%, #FCD34D 100%);

  /* Typography */
  --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', sans-serif;
  --font-weight-light: 300;
  --font-weight-regular: 400;
  --font-weight-medium: 500;
  --font-weight-semibold: 600;
  --font-weight-bold: 700;
  --font-weight-extrabold: 800;

  /* Spacing */
  --spacing-xs: 0.25rem;
  --spacing-sm: 0.5rem;
  --spacing-md: 1rem;
  --spacing-lg: 1.5rem;
  --spacing-xl: 2rem;
  --spacing-2xl: 3rem;
  --spacing-3xl: 4rem;
  --spacing-4xl: 6rem;

  /* Border Radius */
  --border-radius-sm: 6px;
  --border-radius-md: 12px;
  --border-radius-lg: 16px;
  --border-radius-xl: 20px;
  --border-radius-button: 13px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.07);
  --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 40px rgba(0, 0, 0, 0.12);
  --shadow-warm: 0 8px 24px rgba(112, 232, 176, 0.12);

  /* Transitions */
  --transition-smooth: 0.3s ease-in-out;
  --transition-bounce: 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);

  /* Container Widths */
  --container-sm: 360px;
  --container-md: 720px;
  --container-lg: 1024px;
  --container-xl: 1280px;
  --container-2xl: 1400px;
}

/* ============================================================================
   2. RESET & BASE STYLES
   ============================================================================ */

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-primary);
  font-weight: var(--font-weight-regular);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text-dark);
  background-color: var(--color-bg-light);
  overflow-x: hidden;
}

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

a {
  color: var(--color-accent-green);
  text-decoration: none;
  transition: color var(--transition-smooth);
}

a:hover {
  color: var(--color-accent-teal);
}

ul, ol {
  list-style: none;
}

button, input, textarea, select {
  font-family: inherit;
}

/* ============================================================================
   3. TYPOGRAPHY
   ============================================================================ */

h1, h2, h3, h4, h5, h6 {
  font-weight: var(--font-weight-bold);
  line-height: 1.2;
  margin-bottom: var(--spacing-lg);
  color: var(--color-text-dark);
}

h1 {
  font-size: 3rem;
  font-weight: var(--font-weight-extrabold);
  letter-spacing: -0.02em;
}

h2 {
  font-size: 2.25rem;
  font-weight: var(--font-weight-bold);
  letter-spacing: -0.01em;
}

h3 {
  font-size: 1.75rem;
  font-weight: var(--font-weight-bold);
}

h4 {
  font-size: 1.35rem;
  font-weight: var(--font-weight-semibold);
}

h5 {
  font-size: 1.1rem;
  font-weight: var(--font-weight-semibold);
}

h6 {
  font-size: 0.95rem;
  font-weight: var(--font-weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
}

p {
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: var(--spacing-lg);
  color: var(--color-text-dark-secondary);
}

.text-lead {
  font-size: 1.25rem;
  line-height: 1.8;
  font-weight: var(--font-weight-medium);
  color: var(--color-text-dark-secondary);
}

.text-small {
  font-size: 0.875rem;
  line-height: 1.6;
}

.text-muted {
  color: var(--color-text-muted);
}

.text-light {
  color: var(--color-text-light);
}

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

.text-right {
  text-align: right;
}

strong, .font-bold {
  font-weight: var(--font-weight-bold);
}

em, .font-italic {
  font-style: italic;
}

/* ============================================================================
   4. LAYOUT - CONTAINERS & GRID SYSTEM
   ============================================================================ */

.container {
  width: 100%;
  max-width: var(--container-2xl);
  margin: 0 auto;
  padding: 0 var(--spacing-lg);
}

.container-sm {
  max-width: var(--container-md);
}

.container-md {
  max-width: var(--container-lg);
}

.container-lg {
  max-width: var(--container-xl);
}

.section {
  padding: var(--spacing-4xl) 0;
}

.section-sm {
  padding: var(--spacing-2xl) 0;
}

.section-lg {
  padding: var(--spacing-4xl) 0;
}

.section-light {
  background-color: var(--color-bg-light);
}

.section-secondary {
  background-color: var(--color-bg-light-secondary);
}

.section-tertiary {
  background-color: var(--color-bg-light-tertiary);
}

.section-dark {
  background-color: var(--color-bg-dark);
  color: var(--color-text-light);
}

/* Grid System */
.grid {
  display: grid;
  gap: var(--spacing-2xl);
}

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

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

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

.grid-auto {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

/* Flexbox Utilities */
.flex {
  display: flex;
}

.flex-col {
  flex-direction: column;
}

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

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

.gap-sm { gap: var(--spacing-md); }
.gap-md { gap: var(--spacing-lg); }
.gap-lg { gap: var(--spacing-2xl); }

/* Spacing Utilities */
.mt-0 { margin-top: 0; }
.mt-sm { margin-top: var(--spacing-md); }
.mt-md { margin-top: var(--spacing-lg); }
.mt-lg { margin-top: var(--spacing-2xl); }

.mb-0 { margin-bottom: 0; }
.mb-sm { margin-bottom: var(--spacing-md); }
.mb-md { margin-bottom: var(--spacing-lg); }
.mb-lg { margin-bottom: var(--spacing-2xl); }

.px-lg { padding-left: var(--spacing-2xl); padding-right: var(--spacing-2xl); }
.py-lg { padding-top: var(--spacing-2xl); padding-bottom: var(--spacing-2xl); }

/* ============================================================================
   5. HEADER & NAVIGATION
   ============================================================================ */

header,
.header {
  background-color: var(--color-bg-light);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: all var(--transition-smooth);
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0);
}

header.scrolled,
.header.scrolled {
  box-shadow: var(--shadow-md);
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
}

.header-container,
.navbar-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--spacing-md) 0;
  max-width: var(--container-2xl);
  margin: 0 auto;
  padding-left: var(--spacing-lg);
  padding-right: var(--spacing-lg);
}

.logo,
.logo-text {
  font-size: 1.5rem;
  font-weight: var(--font-weight-bold);
  color: var(--color-text-dark);
  transition: color var(--transition-smooth);
}

.logo:hover,
.logo-text:hover {
  color: var(--color-accent-green);
}

.logo-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--color-accent-green), var(--color-accent-teal));
  border-radius: var(--border-radius-lg);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: var(--font-weight-bold);
  margin-right: var(--spacing-sm);
}

.navbar-logo {
  flex-shrink: 0;
}

nav,
.navbar {
  display: flex;
  align-items: center;
  gap: var(--spacing-2xl);
}

.nav-links,
.nav-menu {
  display: flex;
  gap: var(--spacing-2xl);
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-links a,
.nav-link {
  color: var(--color-text-dark);
  font-weight: var(--font-weight-medium);
  font-size: 0.95rem;
  position: relative;
  transition: color var(--transition-smooth);
}

.nav-links a:hover,
.nav-link:hover {
  color: var(--color-accent-green);
}

.nav-links a::after,
.nav-link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-accent-green);
  transition: width var(--transition-smooth);
}

.nav-links a:hover::after,
.nav-link:hover::after {
  width: 100%;
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: var(--spacing-lg);
}

.hamburger {
  display: none;
  flex-direction: column;
  cursor: pointer;
}

.hamburger span {
  width: 24px;
  height: 2px;
  background-color: var(--color-text-dark);
  margin: 4px 0;
  transition: all var(--transition-smooth);
  border-radius: 2px;
}

.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

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

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

/* Dropdown */
.nav-dropdown-toggle {
  position: relative;
}

.nav-dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: white;
  border-radius: var(--border-radius-md);
  box-shadow: var(--shadow-lg);
  padding: var(--spacing-sm) 0;
  min-width: 220px;
  z-index: 1001;
  margin-top: var(--spacing-sm);
}

.nav-dropdown-toggle:hover .nav-dropdown {
  display: block;
}

.dropdown-item {
  display: block;
  padding: var(--spacing-sm) var(--spacing-lg);
  color: var(--color-text-dark);
  font-size: 0.9rem;
  font-weight: var(--font-weight-medium);
  text-decoration: none;
  transition: all var(--transition-smooth);
  white-space: nowrap;
}

.dropdown-item:hover {
  background-color: var(--color-bg-light-secondary);
  color: var(--color-accent-green);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: var(--spacing-lg);
}

/* ============================================================================
   6. BUTTONS
   ============================================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-sm);
  padding: 12px 28px;
  font-size: 0.95rem;
  font-weight: var(--font-weight-semibold);
  border: none;
  border-radius: var(--border-radius-button);
  cursor: pointer;
  transition: all var(--transition-smooth);
  text-decoration: none;
  white-space: nowrap;
  font-family: var(--font-primary);
}

.btn-primary {
  background-color: var(--color-accent-green);
  color: var(--color-text-dark);
  box-shadow: var(--shadow-warm);
}

.btn-primary:hover {
  background-color: #5ADD95;
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(112, 232, 176, 0.2);
}

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

.btn-secondary {
  background-color: var(--color-accent-teal);
  color: var(--color-text-light);
}

.btn-secondary:hover {
  background-color: #1FA7B6;
  transform: translateY(-2px);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-accent-green);
  border: 2px solid var(--color-accent-green);
}

.btn-outline:hover {
  background-color: rgba(112, 232, 176, 0.1);
  color: var(--color-accent-green);
}

.btn-dark {
  background-color: var(--color-text-dark);
  color: var(--color-text-light);
}

.btn-dark:hover {
  background-color: var(--color-text-dark-secondary);
  transform: translateY(-2px);
}

.btn-light {
  background-color: var(--color-text-light);
  color: var(--color-text-dark);
  border: 1px solid rgba(0, 0, 0, 0.1);
}

.btn-light:hover {
  background-color: var(--color-bg-light-secondary);
  border-color: rgba(0, 0, 0, 0.2);
}

.btn-gold {
  background-color: var(--color-accent-gold);
  color: var(--color-text-dark);
}

.btn-gold:hover {
  background-color: #FFB84D;
  transform: translateY(-2px);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

.btn-block {
  width: 100%;
}

.btn-group {
  display: flex;
  gap: var(--spacing-md);
}

.btn-with-icon {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
}

/* ============================================================================
   7. LIFESTYLE HERO SECTION
   ============================================================================ */

.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--spacing-4xl) var(--spacing-lg);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--gradient-ocean);
  opacity: 0.85;
  z-index: 1;
}

.hero-bg-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 700px;
  text-align: center;
  color: var(--color-text-light);
  animation: fadeInUp 0.8s ease-out;
}

.hero h1 {
  font-size: 3.5rem;
  margin-bottom: var(--spacing-lg);
  color: var(--color-text-light);
  line-height: 1.1;
}

.hero .text-lead {
  color: rgba(255, 255, 255, 0.95);
  font-size: 1.35rem;
  margin-bottom: var(--spacing-2xl);
}

.hero .btn-group {
  justify-content: center;
  flex-wrap: wrap;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: var(--spacing-2xl);
  margin-top: var(--spacing-4xl);
  padding-top: var(--spacing-4xl);
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}

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

.stat-number {
  font-size: 2.5rem;
  font-weight: var(--font-weight-extrabold);
  color: var(--color-accent-gold);
  display: block;
  margin-bottom: var(--spacing-sm);
}

.stat-label {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
  font-weight: var(--font-weight-medium);
}

.scroll-indicator {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  animation: bounce 2s infinite;
}

.scroll-indicator svg {
  width: 24px;
  height: 24px;
  stroke: white;
  stroke-width: 2;
  fill: none;
}

/* ============================================================================
   8. TRUST BAR - INSURER LOGOS
   ============================================================================ */

.trust-bar {
  background-color: var(--color-bg-light);
  padding: var(--spacing-2xl) var(--spacing-lg);
  border-top: 1px solid rgba(0, 0, 0, 0.05);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.trust-content {
  max-width: var(--container-2xl);
  margin: 0 auto;
  text-align: center;
}

.trust-label {
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-text-muted);
  font-weight: var(--font-weight-semibold);
  margin-bottom: var(--spacing-lg);
}

.trust-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--spacing-2xl);
}

.trust-logo {
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.7;
  transition: opacity var(--transition-smooth);
  flex-shrink: 0;
}

.trust-logo:hover {
  opacity: 1;
}

.trust-logo img {
  max-height: 40px;
  width: auto;
}

.trust-scroll-animation {
  animation: scroll 30s linear infinite;
}

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

/* ============================================================================
   9. SECTOR SHOWCASE CARDS - 4 COLUMN GRID
   ============================================================================ */

.sectors-section {
  background-color: var(--color-bg-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.sectors-header {
  max-width: var(--container-2xl);
  margin: 0 auto var(--spacing-3xl);
  text-align: center;
}

.sectors-header h2 {
  margin-bottom: var(--spacing-lg);
}

.sectors-grid {
  max-width: var(--container-2xl);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--spacing-2xl);
}

.sector-card {
  position: relative;
  overflow: hidden;
  border-radius: var(--border-radius-lg);
  height: 350px;
  cursor: pointer;
  group: 1;
  transition: all var(--transition-smooth);
  box-shadow: var(--shadow-md);
}

.sector-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.sector-card-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  object-fit: cover;
  transition: transform var(--transition-smooth);
}

.sector-card:hover .sector-card-image {
  transform: scale(1.05);
}

.sector-card-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(0, 0, 0, 0.3), rgba(0, 0, 0, 0.6));
  z-index: 2;
  transition: background var(--transition-smooth);
}

.sector-card:hover .sector-card-overlay {
  background: linear-gradient(135deg, rgba(0, 0, 0, 0.4), rgba(0, 0, 0, 0.7));
}

.sector-card-content {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: var(--spacing-2xl);
  z-index: 3;
  color: var(--color-text-light);
  transition: all var(--transition-smooth);
}

.sector-card-category {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent-gold);
  font-weight: var(--font-weight-semibold);
  margin-bottom: var(--spacing-sm);
}

.sector-card h3 {
  color: var(--color-text-light);
  font-size: 1.5rem;
  margin-bottom: var(--spacing-sm);
}

.sector-card-description {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.5;
}

.sector-card-link {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-lg);
  color: var(--color-accent-green);
  font-weight: var(--font-weight-semibold);
  opacity: 0;
  transform: translateX(-10px);
  transition: all var(--transition-smooth);
}

.sector-card:hover .sector-card-link {
  opacity: 1;
  transform: translateX(0);
}

/* ============================================================================
   10. STATISTICS COUNTER SECTION
   ============================================================================ */

.stats-section {
  background-color: var(--color-bg-dark);
  color: var(--color-text-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.stats-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.stats-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.stats-header h2 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.stats-header p {
  color: rgba(255, 255, 255, 0.8);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--spacing-2xl);
}

.stat-box {
  text-align: center;
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  background: rgba(112, 232, 176, 0.05);
  border-left: 4px solid var(--color-accent-green);
  transition: all var(--transition-smooth);
}

.stat-box:hover {
  background: rgba(112, 232, 176, 0.1);
  transform: translateY(-4px);
}

.stat-number-large {
  font-size: 2.75rem;
  font-weight: var(--font-weight-extrabold);
  color: var(--color-accent-green);
  margin-bottom: var(--spacing-sm);
}

.stat-label-large {
  font-size: 1.05rem;
  font-weight: var(--font-weight-medium);
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.5;
}

/* ============================================================================
   11. HOW IT WORKS - 3 STEP PROCESS
   ============================================================================ */

.how-it-works {
  background-color: var(--color-bg-light-secondary);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.how-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.how-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.how-header h2 {
  margin-bottom: var(--spacing-lg);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-2xl);
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 60px;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--color-accent-green), transparent);
  z-index: 0;
}

.step-card {
  position: relative;
  z-index: 1;
  text-align: center;
  animation: fadeInUp 0.6s ease-out;
}

.step-number {
  width: 60px;
  height: 60px;
  margin: 0 auto var(--spacing-lg);
  background: var(--color-accent-green);
  color: var(--color-text-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  font-weight: var(--font-weight-bold);
  box-shadow: var(--shadow-warm);
  transition: all var(--transition-smooth);
}

.step-card:hover .step-number {
  transform: scale(1.1);
  box-shadow: 0 12px 30px rgba(112, 232, 176, 0.25);
}

.step-card h3 {
  font-size: 1.35rem;
  margin-bottom: var(--spacing-md);
}

.step-card p {
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ============================================================================
   12. TESTIMONIALS - CAROUSEL STYLE
   ============================================================================ */

.testimonials-section {
  background: linear-gradient(135deg, var(--color-bg-light) 0%, var(--color-bg-light-tertiary) 100%);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.testimonials-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.testimonials-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.testimonials-header h2 {
  margin-bottom: var(--spacing-lg);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--spacing-2xl);
}

.testimonial-card {
  background: var(--color-bg-light);
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  box-shadow: var(--shadow-md);
  transition: all var(--transition-smooth);
  border-left: 4px solid var(--color-accent-teal);
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.testimonial-quote {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--color-text-dark);
  margin-bottom: var(--spacing-lg);
  font-style: italic;
  position: relative;
  padding-left: var(--spacing-2xl);
}

.testimonial-quote::before {
  content: '"';
  position: absolute;
  left: 0;
  font-size: 3rem;
  color: var(--color-accent-gold);
  opacity: 0.3;
  line-height: 0.5;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
}

.testimonial-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--gradient-ocean);
  flex-shrink: 0;
}

.testimonial-info h4 {
  font-size: 0.95rem;
  margin-bottom: var(--spacing-xs);
}

.testimonial-role {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.testimonial-rating {
  color: var(--color-accent-gold);
  margin-bottom: var(--spacing-md);
  font-size: 0.9rem;
  letter-spacing: 1px;
}

/* ============================================================================
   13. COVERAGE LEVELS - HORIZONTAL COMPARISON
   ============================================================================ */

.coverage-section {
  background-color: var(--color-bg-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.coverage-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.coverage-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.coverage-header h2 {
  margin-bottom: var(--spacing-lg);
}

.coverage-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--color-bg-light);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.coverage-table thead {
  background: var(--color-bg-dark);
  color: var(--color-text-light);
}

.coverage-table th {
  padding: var(--spacing-2xl);
  text-align: left;
  font-weight: var(--font-weight-bold);
  font-size: 1rem;
  border-bottom: 2px solid rgba(0, 0, 0, 0.1);
}

.coverage-table td {
  padding: var(--spacing-2xl);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.coverage-table tbody tr:hover {
  background: var(--color-bg-light-secondary);
  transition: background var(--transition-smooth);
}

.coverage-feature-name {
  font-weight: var(--font-weight-semibold);
  color: var(--color-text-dark);
}

.coverage-check {
  color: var(--color-success);
  font-weight: bold;
  font-size: 1.2rem;
}

.coverage-cross {
  color: var(--color-error);
  font-weight: bold;
  font-size: 1.2rem;
}

.coverage-amount {
  color: var(--color-accent-green);
  font-weight: var(--font-weight-semibold);
}

/* ============================================================================
   14. FAQ ACCORDION
   ============================================================================ */

.faq-section {
  background-color: var(--color-bg-light-secondary);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.faq-container {
  max-width: var(--container-lg);
  margin: 0 auto;
}

.faq-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.faq-header h2 {
  margin-bottom: var(--spacing-lg);
}

.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.faq-item {
  background: var(--color-bg-light);
  border: 1px solid rgba(0, 0, 0, 0.08);
  border-radius: var(--border-radius-md);
  overflow: hidden;
  transition: all var(--transition-smooth);
}

.faq-item:hover {
  border-color: var(--color-accent-green);
  box-shadow: var(--shadow-md);
}

.faq-question {
  padding: var(--spacing-2xl);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--color-bg-light);
  transition: all var(--transition-smooth);
  font-weight: var(--font-weight-semibold);
  color: var(--color-text-dark);
}

.faq-item.active .faq-question {
  background: var(--color-bg-light-secondary);
  color: var(--color-accent-green);
}

.faq-toggle {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--color-accent-green);
  transition: transform var(--transition-smooth);
  flex-shrink: 0;
}

.faq-item.active .faq-toggle {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-smooth);
  background: var(--color-bg-light);
}

.faq-item.active .faq-answer {
  max-height: 1000px;
}

.faq-answer-content {
  padding: 0 var(--spacing-2xl) var(--spacing-2xl);
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* ============================================================================
   15. QUOTE FORM - WARM & INVITING
   ============================================================================ */

.quote-section {
  background: linear-gradient(135deg, var(--color-bg-dark), rgba(27, 31, 38, 0.9));
  padding: var(--spacing-4xl) var(--spacing-lg);
  color: var(--color-text-light);
}

.quote-container {
  max-width: var(--container-lg);
  margin: 0 auto;
}

.quote-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.quote-header h2 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.quote-header p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.05rem;
}

.quote-form {
  background: rgba(255, 255, 255, 0.05);
  padding: var(--spacing-3xl);
  border-radius: var(--border-radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
}

.form-group {
  margin-bottom: var(--spacing-2xl);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-2xl);
}

.form-label {
  display: block;
  margin-bottom: var(--spacing-sm);
  font-weight: var(--font-weight-semibold);
  font-size: 0.95rem;
  color: var(--color-text-light);
}

.form-label .required {
  color: var(--color-accent-gold);
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 12px 16px;
  font-size: 0.95rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--border-radius-md);
  background: rgba(255, 255, 255, 0.08);
  color: var(--color-text-light);
  font-family: var(--font-primary);
  transition: all var(--transition-smooth);
}

.form-input::placeholder,
.form-select::placeholder {
  color: rgba(255, 255, 255, 0.5);
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--color-accent-green);
  background: rgba(255, 255, 255, 0.12);
  box-shadow: 0 0 0 3px rgba(112, 232, 176, 0.1);
}

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

.form-checkbox {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-lg);
}

.form-checkbox input[type="checkbox"] {
  width: 20px;
  height: 20px;
  cursor: pointer;
  accent-color: var(--color-accent-green);
}

.form-checkbox label {
  cursor: pointer;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.95rem;
}

.form-error {
  color: var(--color-error);
  font-size: 0.85rem;
  margin-top: var(--spacing-sm);
}

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

.form-success {
  color: var(--color-success);
  font-size: 0.85rem;
  margin-top: var(--spacing-sm);
}

.form-submit {
  width: 100%;
  padding: 16px 28px;
  background-color: var(--color-accent-green);
  color: var(--color-text-dark);
  font-weight: var(--font-weight-bold);
  font-size: 1rem;
  border: none;
  border-radius: var(--border-radius-button);
  cursor: pointer;
  transition: all var(--transition-smooth);
  box-shadow: var(--shadow-warm);
}

.form-submit:hover {
  background-color: #5ADD95;
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(112, 232, 176, 0.25);
}

.form-submit:active {
  transform: translateY(0);
}

/* ============================================================================
   16. BLOG CARDS - IMAGE-HEAVY MAGAZINE STYLE
   ============================================================================ */

.blog-section {
  background-color: var(--color-bg-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.blog-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.blog-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.blog-header h2 {
  margin-bottom: var(--spacing-lg);
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--spacing-2xl);
}

.blog-card {
  background: var(--color-bg-light);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-smooth);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.blog-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.blog-image {
  width: 100%;
  height: 200px;
  background: var(--gradient-ocean);
  overflow: hidden;
}

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

.blog-card:hover .blog-image img {
  transform: scale(1.08);
}

.blog-content {
  padding: var(--spacing-2xl);
  flex: 1;
  display: flex;
  flex-direction: column;
}

.blog-category {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent-teal);
  font-weight: var(--font-weight-bold);
  margin-bottom: var(--spacing-sm);
}

.blog-card h3 {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
  color: var(--color-text-dark);
  line-height: 1.4;
}

.blog-excerpt {
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: var(--spacing-lg);
  flex: 1;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: var(--spacing-lg);
  font-size: 0.85rem;
  color: var(--color-text-muted);
  padding-top: var(--spacing-lg);
  border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.blog-author {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
}

.blog-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--gradient-golden);
}

.blog-link {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-lg);
  color: var(--color-accent-green);
  font-weight: var(--font-weight-semibold);
  transition: all var(--transition-smooth);
}

.blog-link:hover {
  transform: translateX(4px);
}

/* ============================================================================
   17. FOOTER
   ============================================================================ */

footer {
  background-color: var(--color-bg-dark);
  color: var(--color-text-light);
  padding: var(--spacing-4xl) var(--spacing-lg) var(--spacing-2xl);
}

.footer-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
  margin-bottom: var(--spacing-3xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: var(--spacing-3xl);
  margin-bottom: var(--spacing-3xl);
}

.footer-column h4 {
  color: var(--color-text-light);
  font-size: 1.05rem;
  margin-bottom: var(--spacing-lg);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.footer-links a {
  color: rgba(255, 255, 255, 0.75);
  transition: all var(--transition-smooth);
  font-size: 0.95rem;
}

.footer-links a:hover {
  color: var(--color-accent-green);
  padding-left: 6px;
}

.footer-about p {
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.7;
  margin-bottom: var(--spacing-lg);
  font-size: 0.95rem;
}

.footer-social {
  display: flex;
  gap: var(--spacing-md);
  margin-top: var(--spacing-lg);
}

.social-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(112, 232, 176, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-green);
  transition: all var(--transition-smooth);
}

.social-icon:hover {
  background: var(--color-accent-green);
  color: var(--color-text-dark);
  transform: translateY(-4px);
}

.footer-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.1);
  margin: var(--spacing-2xl) 0;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--spacing-lg);
  padding-top: var(--spacing-2xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-copyright {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.85rem;
}

.footer-legal {
  display: flex;
  gap: var(--spacing-xl);
  flex-wrap: wrap;
}

.footer-legal a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.85rem;
}

.footer-legal a:hover {
  color: var(--color-accent-green);
}

/* ============================================================================
   18. SECTOR PAGE STYLES
   ============================================================================ */

.sector-hero {
  position: relative;
  min-height: 500px;
  display: flex;
  align-items: center;
  padding: var(--spacing-3xl) var(--spacing-lg);
  overflow: hidden;
  background: var(--gradient-forest);
}

.sector-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.4);
  z-index: 1;
}

.sector-hero-content {
  position: relative;
  z-index: 2;
  max-width: var(--container-lg);
  color: var(--color-text-light);
}

.sector-hero h1 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.sector-breadcrumb {
  display: flex;
  gap: var(--spacing-sm);
  margin-bottom: var(--spacing-lg);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.8);
}

.sector-breadcrumb span {
  margin: 0 var(--spacing-sm);
  color: rgba(255, 255, 255, 0.5);
}

.sub-sector-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--spacing-2xl);
  padding: var(--spacing-4xl) var(--spacing-lg);
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.sub-sector-card {
  background: var(--color-bg-light);
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  box-shadow: var(--shadow-md);
  transition: all var(--transition-smooth);
  border-left: 4px solid var(--color-accent-teal);
}

.sub-sector-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-left-color: var(--color-accent-green);
}

.sub-sector-card h3 {
  color: var(--color-accent-teal);
  margin-bottom: var(--spacing-md);
  font-size: 1.25rem;
}

.sub-sector-card p {
  color: var(--color-text-muted);
  margin-bottom: var(--spacing-lg);
}

.risk-factor-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--spacing-2xl);
  padding: var(--spacing-4xl) var(--spacing-lg);
  background: var(--color-bg-light-secondary);
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.risk-card {
  background: var(--color-bg-light);
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  box-shadow: var(--shadow-sm);
  border-top: 3px solid var(--color-accent-gold);
}

.risk-icon {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--color-accent-gold), var(--color-warning));
  border-radius: var(--border-radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: var(--font-weight-bold);
  margin-bottom: var(--spacing-lg);
  font-size: 1.5rem;
}

.risk-card h4 {
  font-size: 1.1rem;
  margin-bottom: var(--spacing-md);
  color: var(--color-text-dark);
}

.risk-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

.real-scenario {
  background: linear-gradient(135deg, rgba(49, 191, 206, 0.05), rgba(112, 232, 176, 0.05));
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  border-left: 4px solid var(--color-accent-teal);
  margin: var(--spacing-2xl) 0;
}

.real-scenario h4 {
  color: var(--color-accent-teal);
  margin-bottom: var(--spacing-md);
}

.real-scenario p {
  color: var(--color-text-dark-secondary);
  line-height: 1.7;
}

.coverage-breakdown-table {
  width: 100%;
  margin: var(--spacing-3xl) 0;
  border-collapse: collapse;
}

.coverage-breakdown-table th {
  background: var(--color-bg-dark);
  color: var(--color-text-light);
  padding: var(--spacing-lg);
  text-align: left;
  font-weight: var(--font-weight-bold);
  border-bottom: 2px solid var(--color-accent-green);
}

.coverage-breakdown-table td {
  padding: var(--spacing-lg);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.coverage-breakdown-table tbody tr:hover {
  background: var(--color-bg-light-secondary);
}

.inline-cta {
  background: linear-gradient(135deg, var(--color-accent-green), var(--color-accent-teal));
  color: var(--color-text-light);
  padding: var(--spacing-3xl) var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  margin: var(--spacing-3xl) 0;
  text-align: center;
}

.inline-cta h3 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.inline-cta p {
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: var(--spacing-lg);
}

.industry-faq {
  padding: var(--spacing-4xl) var(--spacing-lg);
  max-width: var(--container-lg);
  margin: 0 auto;
}

/* ============================================================================
   19. ABOUT PAGE STYLES
   ============================================================================ */

.about-hero {
  background: linear-gradient(135deg, var(--color-bg-dark), rgba(27, 31, 38, 0.95));
  color: var(--color-text-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
  text-align: center;
}

.about-hero h1 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.about-section {
  padding: var(--spacing-4xl) var(--spacing-lg);
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: center;
}

.about-content h2 {
  margin-bottom: var(--spacing-lg);
}

.about-image {
  width: 100%;
  height: 400px;
  background: var(--gradient-ocean);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
}

.about-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: var(--spacing-2xl);
  padding: var(--spacing-4xl) var(--spacing-lg);
  background: var(--color-bg-light-secondary);
}

.value-card {
  background: var(--color-bg-light);
  padding: var(--spacing-2xl);
  border-radius: var(--border-radius-lg);
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.value-icon {
  width: 60px;
  height: 60px;
  margin: 0 auto var(--spacing-lg);
  background: linear-gradient(135deg, var(--color-accent-green), var(--color-accent-teal));
  border-radius: var(--border-radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.75rem;
}

.value-card h3 {
  font-size: 1.25rem;
  margin-bottom: var(--spacing-md);
}

/* ============================================================================
   20. CONTACT PAGE STYLES
   ============================================================================ */

.contact-hero {
  background: var(--gradient-sunset);
  color: var(--color-text-light);
  padding: var(--spacing-4xl) var(--spacing-lg);
  text-align: center;
}

.contact-hero h1 {
  color: var(--color-text-light);
  margin-bottom: var(--spacing-lg);
}

.contact-section {
  padding: var(--spacing-4xl) var(--spacing-lg);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-2xl);
}

.contact-item {
  display: flex;
  gap: var(--spacing-lg);
}

.contact-icon {
  width: 50px;
  height: 50px;
  background: rgba(112, 232, 176, 0.1);
  border-radius: var(--border-radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-green);
  font-size: 1.5rem;
  flex-shrink: 0;
}

.contact-details h3 {
  font-size: 1.1rem;
  margin-bottom: var(--spacing-sm);
}

.contact-details p {
  color: var(--color-text-muted);
  margin: 0;
}

/* ============================================================================
   21. COMPARE PAGE STYLES
   ============================================================================ */

.compare-section {
  padding: var(--spacing-4xl) var(--spacing-lg);
  background: var(--color-bg-light);
}

.compare-container {
  max-width: var(--container-2xl);
  margin: 0 auto;
}

.compare-header {
  text-align: center;
  margin-bottom: var(--spacing-3xl);
}

.compare-header h1 {
  margin-bottom: var(--spacing-lg);
}

.compare-filters {
  display: flex;
  gap: var(--spacing-lg);
  margin-bottom: var(--spacing-3xl);
  flex-wrap: wrap;
  justify-content: center;
}

.compare-filter-btn {
  padding: 10px 20px;
  border: 2px solid rgba(0, 0, 0, 0.1);
  background: var(--color-bg-light);
  border-radius: var(--border-radius-button);
  cursor: pointer;
  transition: all var(--transition-smooth);
  font-weight: var(--font-weight-medium);
  color: var(--color-text-dark);
}

.compare-filter-btn.active {
  background: var(--color-accent-green);
  color: var(--color-text-dark);
  border-color: var(--color-accent-green);
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--color-bg-light);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.compare-table th {
  background: var(--color-bg-dark);
  color: var(--color-text-light);
  padding: var(--spacing-2xl);
  text-align: center;
  font-weight: var(--font-weight-bold);
  border-bottom: 2px solid var(--color-accent-green);
}

.compare-table td {
  padding: var(--spacing-2xl);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  text-align: center;
}

.compare-table tbody tr:hover {
  background: var(--color-bg-light-secondary);
}

/* ============================================================================
   22. ANIMATIONS
   ============================================================================ */

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

@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

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

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

@keyframes float {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

@keyframes pulse {
  0%, 100% {
    opacity: 1;
  }
  50% {
    opacity: 0.5;
  }
}

/* Intersection Observer trigger class */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
}

.animate-on-scroll.in-view {
  animation: fadeInUp 0.6s ease-out forwards;
}

/* ============================================================================
   23. RESPONSIVE BREAKPOINTS
   ============================================================================ */

/* Large screens (1200px+) */
@media (max-width: 1200px) {
  h1 { font-size: 2.75rem; }
  h2 { font-size: 2rem; }

  .hero h1 { font-size: 3rem; }

  .sectors-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .container { padding: 0 var(--spacing-lg); }
}

/* Medium screens (1024px) */
@media (max-width: 1024px) {
  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.75rem; }

  .hero h1 { font-size: 2.5rem; }
  .hero .text-lead { font-size: 1.15rem; }

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

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

  .steps-grid::before {
    display: none;
  }

  .step-card {
    margin-bottom: var(--spacing-2xl);
  }

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

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

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

  .coverage-table {
    font-size: 0.9rem;
  }

  .coverage-table th,
  .coverage-table td {
    padding: var(--spacing-lg);
  }
}

/* Tablet (768px) */
@media (max-width: 768px) {
  :root {
    --spacing-4xl: 3rem;
    --spacing-3xl: 2rem;
  }

  h1 { font-size: 1.95rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.35rem; }

  .section { padding: var(--spacing-3xl) 0; }

  header {
    padding: var(--spacing-md) var(--spacing-lg);
  }

  .header-container,
  .navbar-container {
    padding-left: var(--spacing-lg);
    padding-right: var(--spacing-lg);
  }

  nav {
    display: none;
  }

  nav.mobile-open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    flex-direction: column;
    padding: var(--spacing-2xl) var(--spacing-lg);
    box-shadow: var(--shadow-lg);
    z-index: 999;
  }

  .hamburger {
    display: flex;
  }

  .nav-links {
    flex-direction: column;
    gap: var(--spacing-lg);
  }

  .hero {
    min-height: 60vh;
    padding: var(--spacing-2xl) var(--spacing-lg);
  }

  .hero h1 { font-size: 2rem; }
  .hero .text-lead { font-size: 1rem; }

  .hero-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
  }

  .sectors-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
  }

  .sector-card {
    height: 250px;
  }

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

  .grid-2, .grid-3, .grid-4 {
    grid-template-columns: 1fr;
  }

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

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

  .trust-logos {
    flex-wrap: wrap;
  }

  .quote-form {
    padding: var(--spacing-2xl);
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

/* Small screens (480px) */
@media (max-width: 480px) {
  :root {
    --spacing-4xl: 2rem;
    --spacing-3xl: 1.5rem;
    --spacing-2xl: 1.5rem;
    font-size: 15px;
  }

  h1 { font-size: 1.65rem; }
  h2 { font-size: 1.35rem; }
  h3 { font-size: 1.1rem; }

  body { font-size: 15px; }
  p { font-size: 0.95rem; }

  .container { padding: 0 var(--spacing-md); }

  .hero {
    min-height: 100%;
    padding: var(--spacing-2xl) var(--spacing-md);
  }

  .hero h1 {
    font-size: 1.5rem;
    margin-bottom: var(--spacing-md);
  }

  .hero .text-lead { font-size: 0.95rem; }

  .hero .btn-group {
    flex-direction: column;
  }

  .btn { width: 100%; }

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

  .sector-card {
    height: 280px;
  }

  .sector-card-content {
    padding: var(--spacing-lg);
  }

  .sector-card h3 { font-size: 1.2rem; }

  .stat-box {
    padding: var(--spacing-lg);
  }

  .stat-number-large {
    font-size: 2rem;
  }

  .testimonial-card {
    padding: var(--spacing-lg);
  }

  .quote-form {
    padding: var(--spacing-lg);
  }

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

  .coverage-table {
    font-size: 0.85rem;
  }

  .coverage-table th,
  .coverage-table td {
    padding: var(--spacing-md);
  }

  .faq-question,
  .faq-answer-content {
    padding: var(--spacing-lg);
  }

  .hero-stats {
    grid-template-columns: 1fr;
  }

  .trust-logos {
    gap: var(--spacing-lg);
  }

  .footer-social {
    justify-content: center;
  }

  .footer-bottom {
    gap: var(--spacing-md);
  }

  .footer-legal {
    gap: var(--spacing-md);
    justify-content: center;
  }

  header.scrolled {
    backdrop-filter: none;
  }
}

/* ============================================================================
   24. UTILITY CLASSES
   ============================================================================ */

.d-none { display: none !important; }
.d-block { display: block !important; }
.d-flex { display: flex !important; }
.d-grid { display: grid !important; }

.w-100 { width: 100% !important; }
.h-100 { height: 100% !important; }
.h-auto { height: auto !important; }

.overflow-hidden { overflow: hidden !important; }
.overflow-auto { overflow: auto !important; }

.rounded { border-radius: var(--border-radius-md) !important; }
.rounded-lg { border-radius: var(--border-radius-lg) !important; }

.shadow { box-shadow: var(--shadow-md) !important; }
.shadow-lg { box-shadow: var(--shadow-lg) !important; }

.opacity-50 { opacity: 0.5 !important; }
.opacity-75 { opacity: 0.75 !important; }
.opacity-100 { opacity: 1 !important; }

.cursor-pointer { cursor: pointer !important; }
.user-select-none { user-select: none !important; }

.bg-light { background-color: var(--color-bg-light) !important; }
.bg-dark { background-color: var(--color-bg-dark) !important; }
.bg-secondary { background-color: var(--color-bg-light-secondary) !important; }

.text-truncate {
  white-space: nowrap;
  overflow: hidden;
  text-decoration: ellipsis;
}

.transition-smooth {
  transition: all var(--transition-smooth) !important;
}

.transform-gpu {
  transform: translateZ(0);
  backface-visibility: hidden;
}

/* ============================================================================
   25. ACCESSIBILITY
   ============================================================================ */

@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* Focus states for keyboard navigation */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--color-accent-green);
  outline-offset: 2px;
}

/* High contrast mode support */
@media (prefers-contrast: more) {
  .btn {
    border: 2px solid currentColor;
  }

  a {
    text-decoration: underline;
  }
}

/* ============================================================================
   26. PRINT STYLES
   ============================================================================ */

@media print {
  header, footer, nav, .quote-section, .btn-group {
    display: none !important;
  }

  body {
    background: white;
    color: black;
  }

  a {
    color: black;
    text-decoration: underline;
  }

  .section {
    page-break-inside: avoid;
  }
}

/* ============================================================================
   END OF STYLESHEET
   ============================================================================ */