/* ==========================================================================
   Doctorshield (doctorshield.in) — static rebuild
   Palette & type extracted from the live WordPress site (Mitaka theme):
     brand indigo : #313393
     ink          : #1b1b1b
     muted        : #848484
     footer bg    : #222222 / #1d1d1b
     headings     : Poppins   body: Hind
   ========================================================================== */

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

:root {
  --brand: #313393;
  --brand-dark: #24265f;
  --brand-light: #4b4dc4;
  --ink: #1b1b1b;
  --muted: #6b6b6b;
  --muted-light: #848484;
  --paper: #ffffff;
  --paper-2: #f5f5f5;
  --paper-3: #fcfcfc;
  --line: #eeeeee;
  --footer-bg: #222222;
  --footer-bottom: #1d1d1b;
  --footer-text: #b9b9b9;
  --footer-muted: #848484;

  --font-head: 'Poppins', sans-serif;
  --font-body: 'Hind', sans-serif;

  --radius: 4px;
  --shadow: 0 15px 40px rgba(49, 51, 147, 0.12);
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.3;
  font-weight: 600;
  margin: 0 0 0.6em;
}

p { margin: 0 0 1em; color: var(--ink); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--brand);
  outline-offset: 2px;
}

/* --------------------------------------------------------------------------
   Top bar
   -------------------------------------------------------------------------- */
.top-bar-area {
  background: var(--paper-3);
  border-bottom: 1px solid var(--line);
  padding: 9px 0;
  font-size: 0.86rem;
}
.top-bar-area .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 8px 20px;
}
.top-bar-area .top-left { color: var(--brand); font-weight: 500; }
.top-bar-area .top-left .fa-icon { margin-right: 6px; }
.top-bar-area .top-right { color: var(--muted); font-size: 0.82rem; }

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.header-area {
  background: var(--paper);
  padding: 14px 0;
}
.header-area .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo a {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo img { height: 73px; width: auto; border-radius: 3px; }

.header-right ul {
  display: flex;
  gap: 34px;
  list-style: none;
}
.header-right li { display: flex; align-items: center; gap: 12px; }
.header-right .icon-holder {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: rgba(49,51,147,0.08);
  color: var(--brand);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.header-right .icon-holder .icon { width: 20px; height: 20px; }
.header-right h4 {
  margin: 0;
  font-size: 0.78rem;
  color: var(--muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.header-right span.value { font-weight: 600; color: var(--ink); font-size: 0.95rem; }
.header-right li:nth-child(2) { max-width: 250px; }
.header-right li:nth-child(2) .value { font-size: 0.8rem; line-height: 1.35; font-weight: 500; }

/* --------------------------------------------------------------------------
   Main nav
   -------------------------------------------------------------------------- */
.mainmenu-area {
  background: var(--brand);
  position: sticky;
  top: 0;
  z-index: 500;
  padding: 0;
}
.mainmenu-area .container { display: flex; align-items: center; justify-content: space-between; }
nav.main-menu { width: 100%; }
nav.main-menu > ul {
  display: flex;
  list-style: none;
  flex-wrap: nowrap;
}
nav.main-menu li { position: relative; }
nav.main-menu > ul > li > a {
  display: block;
  padding: 13px 13px;
  color: #fff;
  font-size: 0.84rem;
  font-weight: 500;
  font-family: var(--font-head);
  white-space: nowrap;
}
nav.main-menu > ul > li:hover > a,
nav.main-menu > ul > li.current > a { background: var(--brand-dark); }

.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 280px;
  background: #fff;
  box-shadow: var(--shadow);
  border-top: 3px solid var(--brand);
  padding: 6px 0;
  z-index: 50;
}
nav.main-menu li:hover > .dropdown,
nav.main-menu li:focus-within > .dropdown { display: block; }
.dropdown a {
  display: block;
  padding: 11px 20px;
  font-size: 0.86rem;
  color: var(--ink);
}
.dropdown a:hover { background: var(--paper-2); color: var(--brand); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid rgba(255,255,255,0.6);
  border-radius: var(--radius);
  width: 42px; height: 38px;
  cursor: pointer;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  margin: 10px 0;
}
.nav-toggle span { width: 20px; height: 2px; background: #fff; display: block; }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-block;
  padding: 13px 28px;
  font-family: var(--font-head);
  font-size: 0.86rem;
  font-weight: 600;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  letter-spacing: 0.01em;
}
.btn-brand { background: var(--brand); color: #fff; }
.btn-brand:hover { background: var(--brand-dark); }
.btn-outline { background: transparent; border-color: var(--brand); color: var(--brand); }
.btn-outline:hover { background: var(--brand); color: #fff; }
.btn-outline-light { background: transparent; border-color: rgba(255,255,255,0.55); color: #fff; }
.btn-outline-light:hover { background: rgba(255,255,255,0.14); }

/* --------------------------------------------------------------------------
   Hero (home)
   -------------------------------------------------------------------------- */
.hero {
  background: linear-gradient(160deg, var(--brand-dark) 0%, var(--brand) 60%, var(--brand-light) 100%);
  color: #fff;
  padding: 84px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  right: -140px; top: -140px;
  width: 440px; height: 440px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.14);
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
  position: relative;
}
.eyebrow {
  font-family: var(--font-head);
  font-size: 0.76rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #d7d8f5;
  margin-bottom: 16px;
  display: flex; align-items: center; gap: 10px;
}
.eyebrow::before { content: ''; width: 26px; height: 1px; background: #d7d8f5; }
.hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: #d7d8f5; }
.hero p.lede { font-size: 1.05rem; color: rgba(255,255,255,0.85); max-width: 46ch; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-seal {
  justify-self: center;
  width: 260px; height: 260px;
  border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.4);
  display: flex; align-items: center; justify-content: center;
  position: relative;
  background-size: cover;
  background-position: center;
}
.hero-seal::before {
  content: '';
  position: absolute; inset: 16px;
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 50%;
}
.hero-seal-inner { text-align: center; }
.hero-seal-inner .num { font-family: var(--font-head); font-size: 3.1rem; font-weight: 700; color: #fff; display: block; line-height: 1; }
.hero-seal-inner .label { font-size: 0.74rem; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255,255,255,0.8); display: block; margin-top: 8px; }

/* --------------------------------------------------------------------------
   Stat strip
   -------------------------------------------------------------------------- */
.stat-strip { background: var(--paper-2); border-bottom: 1px solid var(--line); }
.stat-strip .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { padding: 26px 16px; text-align: center; border-left: 1px solid var(--line); }
.stat-item:first-child { border-left: none; }
.stat-item .figure { font-family: var(--font-head); font-weight: 700; font-size: 1.6rem; color: var(--brand); }
.stat-item .caption { font-size: 0.8rem; color: var(--muted); margin-top: 4px; }

/* --------------------------------------------------------------------------
   Sections
   -------------------------------------------------------------------------- */
section { padding: 88px 0; }
section.tight { padding: 48px 0; }
section.on-paper-2 { background: var(--paper-2); }
section.on-brand { background: var(--brand); color: #fff; }
section.on-brand h2, section.on-brand h3 { color: #fff; }

/* .mainmenu-area (inside <header>) and .hero-slider are also <section>
   elements structurally, but must not inherit the generic content spacing
   above — they manage their own box model. (.header-area already wins via
   its own higher-specificity class rule, so it doesn't need repeating here.) */
.mainmenu-area, .hero-slider { padding-top: 0; padding-bottom: 0; }

.section-head { max-width: 680px; margin: 0 auto 42px; text-align: center; }
.section-head.left { text-align: left; margin: 0 0 36px; }
.section-head .eyebrow { color: var(--brand); justify-content: center; }
.section-head.left .eyebrow { justify-content: flex-start; }
.on-brand .section-head .eyebrow { color: #d7d8f5; }
.section-head h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
.section-head p { color: var(--muted); }
.on-brand .section-head p { color: rgba(255,255,255,0.8); }

/* --------------------------------------------------------------------------
   Cards
   -------------------------------------------------------------------------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.card-grid.two { grid-template-columns: repeat(2, 1fr); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 26px;
  transition: box-shadow 200ms ease, transform 200ms ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card .mark {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: rgba(49,51,147,0.08);
  color: var(--brand);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 18px;
}
.card .mark .icon { width: 20px; height: 20px; }
.card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.92rem; margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Icon utility
   -------------------------------------------------------------------------- */
.icon { width: 1em; height: 1em; display: inline-block; vertical-align: -0.15em; }

/* --------------------------------------------------------------------------
   Split / two column
   -------------------------------------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: center; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow); }
.check-list { list-style: none; }
.check-list li { display: flex; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
.check-list li:last-child { border-bottom: none; }
.check-list .tick { color: var(--brand); flex-shrink: 0; }
.check-list .tick .icon { width: 18px; height: 18px; }

/* --------------------------------------------------------------------------
   Hero slider (carousel)
   -------------------------------------------------------------------------- */
.hero-slider { position: relative; overflow: hidden; min-height: 600px; padding: 0; }
.hero-slide {
  position: absolute; inset: 0;
  display: flex; align-items: center;
  background-size: cover; background-position: center;
  opacity: 0; visibility: hidden;
  transition: opacity 700ms ease;
  z-index: 1;
  min-height: 624px;
}
.hero-slide.active { opacity: 1; visibility: visible; position: relative; z-index: 2; }
.hero-slide-inner { max-width: 640px; padding-top: 40px; padding-bottom: 40px; }
.hero-slide .eyebrow { color: #d7d8f5; }
.hero-slide h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); margin-bottom: 20px; }
.hero-slide p.lede { font-size: 1.05rem; color: rgba(255,255,255,0.88); margin-bottom: 28px; }
.hero-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.4);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; z-index: 5;
}
.hero-arrow:hover { background: rgba(255,255,255,0.28); }
.hero-arrow .icon { width: 22px; height: 22px; }
.hero-arrow.prev { left: 20px; }
.hero-arrow.next { right: 20px; }
.hero-dots { position: absolute; bottom: 22px; left: 0; right: 0; display: flex; justify-content: center; gap: 10px; z-index: 5; }
.hero-dot { width: 10px; height: 10px; border-radius: 50%; background: rgba(255,255,255,0.4); border: none; cursor: pointer; padding: 0; }
.hero-dot.active { background: #fff; }

/* --------------------------------------------------------------------------
   Stat icons
   -------------------------------------------------------------------------- */
.stat-icon { color: var(--brand); margin-bottom: 8px; display: flex; justify-content: center; }
.stat-icon .icon { width: 26px; height: 26px; }

/* --------------------------------------------------------------------------
   About Doctorshield (homepage)
   -------------------------------------------------------------------------- */
.about-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 50px; align-items: start; }
.about-image img { border-radius: var(--radius); box-shadow: var(--shadow); margin-bottom: 16px; }
.about-caption { font-size: 0.86rem; color: var(--muted); }
.about-feature-list { list-style: none; margin: 20px 0; }
.about-feature-list li { display: flex; gap: 16px; padding: 16px 0; border-top: 1px solid var(--line); }
.about-feature-list li:first-child { border-top: none; padding-top: 0; }
.about-feature-icon {
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(49,51,147,0.08); color: var(--brand);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.about-feature-icon .icon { width: 22px; height: 22px; }
.about-feature-list h3 { font-size: 1rem; margin-bottom: 6px; }
.about-feature-list p { color: var(--muted); font-size: 0.9rem; margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Insurance provider & bankers (homepage)
   -------------------------------------------------------------------------- */
.insurance-banker-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 30px; align-items: center; }
.ib-card { text-align: left; }
.ib-icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: rgba(49,51,147,0.08); color: var(--brand);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.ib-icon .icon { width: 26px; height: 26px; }
.ib-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.ib-card p { color: var(--muted); font-size: 0.92rem; }
.ib-card a { color: var(--brand); font-weight: 600; }
.ib-badge { text-align: center; }
.ib-badge img { max-width: 220px; margin: 0 auto; }

/* --------------------------------------------------------------------------
   Our Presence (image)
   -------------------------------------------------------------------------- */
/* width:100% (not just max-width) so the image actually scales down on
   narrow viewports — an inline max-width alone would win the cascade over
   the global `img{max-width:100%}` rule via specificity and could overflow
   the mobile viewport instead of shrinking to fit it. */
.presence-image { max-width: 720px; width: 100%; height: auto; margin: 0 auto; border-radius: var(--radius); display: block; }

/* --------------------------------------------------------------------------
   Doctorshield strengths (image cards)
   -------------------------------------------------------------------------- */
.strength-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.strength-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: box-shadow 200ms ease, transform 200ms ease; }
.strength-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.strength-image { aspect-ratio: 16/10; overflow: hidden; background: var(--paper-2); }
.strength-image img { width: 100%; height: 100%; object-fit: cover; display: block; }
.strength-card h3 { font-size: 1.02rem; margin: 16px 20px 6px; }
.strength-card p { color: var(--muted); font-size: 0.88rem; margin: 0 20px 20px; }

/* --------------------------------------------------------------------------
   Our Team (cards)
   -------------------------------------------------------------------------- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.team-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
  padding-top: 4px;
  transition: box-shadow 220ms ease, transform 220ms ease, border-color 220ms ease;
}
.team-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--brand), var(--brand-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 260ms ease;
}
.team-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: transparent; }
.team-card:hover::before { transform: scaleX(1); }
.team-avatar {
  width: 56px;
  height: 56px;
  margin: 28px auto 0;
  border-radius: 50%;
  background: #eef0fa;
  border: 1px solid rgba(49, 51, 147, 0.1);
  display: flex; align-items: center; justify-content: center;
}
.team-avatar .icon { width: 26px; height: 26px; color: var(--brand); }
.team-body { padding: 18px 20px 24px; text-align: center; }
.team-card h3 { font-size: 1.05rem; margin: 0 0 4px; }
.team-card .role { font-size: 0.78rem; color: var(--brand); font-weight: 600; text-transform: uppercase; letter-spacing: 0.03em; margin-bottom: 10px; }
.team-card .location { font-size: 0.85rem; color: var(--muted); margin-bottom: 14px; }
.team-card .phones { font-size: 0.88rem; list-style: none; padding-top: 14px; border-top: 1px solid var(--line); }
.team-card .phones li { display: flex; align-items: center; justify-content: center; gap: 6px; margin-bottom: 6px; }
.team-card .phones li:last-child { margin-bottom: 0; }
.team-card .phones .icon { width: 14px; height: 14px; color: var(--brand); flex-shrink: 0; }
.team-card .phones a { color: var(--ink); font-weight: 600; }
.team-card .phones a:hover { color: var(--brand); }

/* --------------------------------------------------------------------------
   Testimonials (image grid)
   -------------------------------------------------------------------------- */
.testimonial-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.testimonial-grid button { display: block; width: 100%; padding: 0; border: none; background: none; cursor: pointer; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); transition: transform 200ms ease; }
.testimonial-grid button:hover { transform: translateY(-4px); }
.testimonial-grid img { width: 100%; display: block; }

/* --------------------------------------------------------------------------
   Lightbox (testimonial modal)
   -------------------------------------------------------------------------- */
.lightbox {
  display: none;
  position: fixed; inset: 0;
  background: rgba(15,16,46,0.86);
  z-index: 2000;
  align-items: center; justify-content: center;
  padding: 40px 24px;
}
.lightbox.open { display: flex; }
.lightbox-content { position: relative; max-width: 90vw; max-height: 85vh; }
.lightbox img { max-width: 90vw; max-height: 85vh; display: block; border-radius: var(--radius); box-shadow: 0 20px 60px rgba(0,0,0,0.4); }
.lightbox-close {
  position: absolute; top: -18px; right: -18px;
  width: 40px; height: 40px; border-radius: 50%;
  background: #fff; color: var(--ink);
  border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow);
}
.lightbox-close .icon { width: 18px; height: 18px; }
@media (max-width: 560px) {
  .lightbox-close { top: -14px; right: 0; }
}

/* --------------------------------------------------------------------------
   Compare list (Doctorshield vs Insurance)
   -------------------------------------------------------------------------- */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.compare-col { padding: 0; }
.compare-col .compare-head {
  padding: 16px 22px;
  font-family: var(--font-head);
  font-weight: 600;
  color: #fff;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.compare-col.ds .compare-head { background: var(--brand); }
.compare-col.ins .compare-head { background: #555; }
.compare-col ul { list-style: none; }
.compare-col li {
  padding: 16px 22px;
  border-top: 1px solid var(--line);
  font-size: 0.9rem;
  color: var(--ink);
}
.compare-col.ins li { background: var(--paper-2); color: var(--muted); }
@media (max-width: 760px) {
  .compare-grid { grid-template-columns: 1fr; }
}

/* --------------------------------------------------------------------------
   Tables
   -------------------------------------------------------------------------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table { width: 100%; border-collapse: collapse; background: #fff; font-size: 0.88rem; }
th, td { padding: 13px 16px; text-align: left; border-bottom: 1px solid var(--line); border-right: 1px solid var(--line); }
th:last-child, td:last-child { border-right: none; }
th {
  background: var(--brand);
  color: #fff;
  font-family: var(--font-head);
  font-weight: 500;
  font-size: 0.76rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  white-space: nowrap;
}
tr:last-child td { border-bottom: none; }
tr:nth-child(even) td { background: var(--paper-2); }

/* --------------------------------------------------------------------------
   Accordion
   -------------------------------------------------------------------------- */
.accordion-item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; }
.accordion-head {
  width: 100%;
  text-align: left;
  background: #fff;
  border: none;
  padding: 18px 22px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--brand);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.accordion-head:hover { background: var(--paper-2); }
.accordion-head .plus { font-size: 1.2rem; font-weight: 400; transition: transform 200ms ease; flex-shrink: 0; }
.accordion-item.open .accordion-head .plus { transform: rotate(45deg); }
.accordion-body { max-height: 0; overflow: hidden; transition: max-height 260ms ease; background: var(--paper-3); }
.accordion-item.open .accordion-body { max-height: 2000px; }
.accordion-body-inner { padding: 4px 22px 20px; font-size: 0.92rem; color: var(--muted); }
.accordion-body-inner p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Tabs (payments)
   -------------------------------------------------------------------------- */
.tabs-nav { display: flex; justify-content: center; gap: 6px; flex-wrap: wrap; margin-bottom: 24px; border-bottom: 1px solid var(--line); }
.tabs-nav button {
  background: none; border: none; cursor: pointer;
  padding: 12px 20px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--muted);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
}
.tabs-nav button.active { color: var(--brand); border-bottom-color: var(--brand); }
.tab-panel { display: none; text-align: center; }
.tab-panel.active { display: block; }
.bank-detail { list-style: none; max-width: 480px; margin: 0 auto; text-align: left; }
.bank-detail li { display: flex; justify-content: space-between; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 0.94rem; }
.bank-detail li span:first-child { color: var(--muted); }
.bank-detail li span:last-child { font-weight: 600; text-align: right; }
.qr-box { max-width: 420px; margin: 0 auto; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; text-align: center; }
.qr-box img { border-radius: var(--radius); width: 100%; }

/* --------------------------------------------------------------------------
   Premium calculator
   -------------------------------------------------------------------------- */
.calc-box { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow); }
.calc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 22px; }
.field label { display: block; font-family: var(--font-head); font-size: 0.74rem; font-weight: 600; letter-spacing: 0.03em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.field input, .field select {
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.94rem;
  background: var(--paper-2);
  color: var(--ink);
}
.calc-breakdown { list-style: none; margin-bottom: 20px; }
.calc-breakdown li { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px dashed var(--line); font-size: 0.9rem; color: var(--muted); }
.calc-breakdown li span:last-child { color: var(--ink); font-weight: 500; }
.calc-result { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 18px; border-top: 1px solid var(--line); padding-top: 22px; }
.calc-result .total-label { font-family: var(--font-head); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; color: var(--muted); }
.calc-result .total-figure { font-family: var(--font-head); font-size: 2rem; font-weight: 700; color: var(--brand); }
.calc-note { font-size: 0.78rem; color: var(--muted-light); margin-top: 14px; }

/* --------------------------------------------------------------------------
   Testimonials
   -------------------------------------------------------------------------- */
.quote-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.quote-card { background: #fff; border-left: 3px solid var(--brand); padding: 26px 30px; border-radius: 0 var(--radius) var(--radius) 0; box-shadow: var(--shadow); }
.quote-card p.quote { font-style: italic; margin-bottom: 12px; }
.quote-card .who { font-family: var(--font-head); font-size: 0.8rem; font-weight: 600; color: var(--brand); }

/* --------------------------------------------------------------------------
   CTA band
   -------------------------------------------------------------------------- */
.cta-band { background: var(--brand-dark); color: #fff; padding: 50px 0; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 24px; }
.cta-band h2 { color: #fff; margin-bottom: 6px; font-size: 1.4rem; }
.cta-band p { color: rgba(255,255,255,0.78); margin: 0; }

/* --------------------------------------------------------------------------
   Page header (interior pages)
   -------------------------------------------------------------------------- */
.page-head { background: var(--brand); color: #fff; padding: 46px 0 38px; }
.page-head h1 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: 8px; }
.breadcrumb { font-size: 0.82rem; color: rgba(255,255,255,0.7); }
.breadcrumb a { color: #fff; font-weight: 600; }
.breadcrumb a:hover { text-decoration: underline; }

/* --------------------------------------------------------------------------
   Content prose (legal/reference pages)
   -------------------------------------------------------------------------- */
.prose { max-width: 880px; }
.prose.prose-wide { max-width: 100%; }
.prose h2 { color: var(--brand); font-size: 1.3rem; margin-top: 2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.08rem; margin-top: 1.6em; }
.prose h4 { font-size: 0.98rem; color: var(--brand); text-transform: uppercase; letter-spacing: 0.03em; }
.prose p, .prose li { color: var(--ink); font-size: 0.96rem; }
.prose ul, .prose ol { margin: 0 0 1.2em; padding-left: 22px; }
.prose li { margin-bottom: 8px; }
.prose blockquote {
  margin: 1.4em 0;
  padding: 16px 22px;
  background: var(--paper-2);
  border-left: 3px solid var(--brand);
  font-style: italic;
  color: var(--muted);
}
.toc { background: var(--paper-2); border-radius: var(--radius); padding: 22px 26px; margin-bottom: 40px; }
.toc h4 { margin-bottom: 12px; }
.toc ul { list-style: none; columns: 2; gap: 24px; }
.toc li { margin-bottom: 8px; font-size: 0.88rem; }
.toc a { color: var(--brand); }
.toc a:hover { text-decoration: underline; }

/* --------------------------------------------------------------------------
   Contact
   -------------------------------------------------------------------------- */
.contact-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 50px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; margin-bottom: 16px; }
.contact-card .k { font-family: var(--font-head); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; color: var(--brand); margin-bottom: 6px; }
.contact-card .v { font-size: 0.96rem; }
.contact-card .v a { color: var(--brand); }
.branch-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

form.stack { display: grid; gap: 16px; }
form.stack label { font-family: var(--font-head); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.03em; text-transform: uppercase; color: var(--muted); display: block; margin-bottom: 6px; }
form.stack input, form.stack select, form.stack textarea {
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.94rem;
  background: #fff;
}
form.stack textarea { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-status { font-size: 0.88rem; margin-top: 4px; }
.form-status.ok { color: #2e6b3e; }
.map-frame { border: 0; width: 100%; height: 360px; border-radius: var(--radius); }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
footer.site-footer { background: var(--footer-bg); color: var(--footer-text); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1.1fr; gap: 36px; padding-bottom: 36px; }
.footer-grid h3 { color: #fff; font-size: 1rem; margin-bottom: 18px; position: relative; padding-bottom: 12px; }
.footer-grid h3::after { content: ''; position: absolute; left: 0; bottom: 0; width: 36px; height: 2px; background: var(--brand-light); }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; font-size: 0.9rem; }
.footer-grid a:hover { color: #fff; }
.footer-grid .our-info p { color: var(--footer-muted); font-size: 0.9rem; }
.footer-contact-info { list-style: none; }
.footer-contact-info li { display: flex; gap: 12px; padding-bottom: 16px; margin-bottom: 16px; border-bottom: 1px solid #2f3132; }
.footer-contact-info li:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.footer-contact-info .icon-holder { color: #fff; flex-shrink: 0; }
.footer-contact-info .icon-holder .icon { width: 18px; height: 18px; }
.footer-contact-info h5 { color: var(--footer-muted); font-size: 0.9rem; font-weight: 400; margin: 0; line-height: 1.5; }
.footer-bottom-area { background: var(--footer-bottom); padding: 16px 0; margin-top: 20px; }
.footer-bottom-area .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 0.82rem; color: #949494; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
/* Nav collapses to a hamburger well above the point where 9 top-level items
   would ever be forced to wrap onto a second line — wrapping is what caused
   the oversized header, and clipping the nav to force one line instead broke
   the dropdown submenus (an overflow container clips absolutely-positioned
   descendants). Collapsing early avoids both problems entirely. */
@media (max-width: 1200px) {
  nav.main-menu > ul { display: none; }
  .nav-toggle { display: flex; }
  .mainmenu-area.nav-open nav.main-menu > ul {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--brand-dark);
    padding: 6px 0 14px;
    box-shadow: var(--shadow);
  }
  .mainmenu-area.nav-open .dropdown { position: static; box-shadow: none; border-top: none; padding-left: 12px; background: transparent; }
  .mainmenu-area.nav-open .dropdown a { color: rgba(255,255,255,0.85); }
  .mainmenu-area.nav-open .dropdown a:hover { background: none; color: #fff; }
}
@media (max-width: 980px) {
  .header-right ul { gap: 20px; }
  .header-right li:nth-child(2) { display: none; }
}
@media (max-width: 900px) {
  .header-right { display: none; }
  .logo img { height: 52px; }
  .hero .container { grid-template-columns: 1fr; }
  .hero-seal { width: 190px; height: 190px; }
  .hero-slider { min-height: 600px; }
  .hero-arrow { width: 36px; height: 36px; }
  .hero-arrow.prev { left: 10px; }
  .hero-arrow.next { right: 10px; }
  .stat-strip .container { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(3) { border-left: none; }
  .card-grid, .card-grid.two { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .quote-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .branch-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .cta-band .container { flex-direction: column; align-items: flex-start; }
  .toc ul { columns: 1; }
  .about-grid { grid-template-columns: 1fr; }
  .insurance-banker-grid { grid-template-columns: 1fr; text-align: center; }
  .ib-card { text-align: center; }
  .ib-icon { margin-left: auto; margin-right: auto; }
  .strength-grid { grid-template-columns: 1fr 1fr; }
  .testimonial-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .strength-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr; }
}