/* Custom styles for MEGAFUNDS Insurance */
/* Import Google Fonts */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&display=swap');

/* Import Button Styles */
@import url('animated-buttons.css');
@import url('button-fix.css');
:root {
  /* Color Palette */
  --color-primary: #1c448e; /* Marian blue */
  --color-accent: #f5ab00; /* Harvest gold - used sparingly */
  --color-light: #ccdaf5; /* Lavender (web) */
  --color-secondary: #5584dd; /* Silver Lake Blue */
  --color-tertiary: #ccdaf5; /* Lavender (web) */
  --color-text: #333;
  --color-bg: #fff;
  /* Typography */
  --font-sans: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  
  /* Standard Font Sizes */
  --font-size-xs: 0.75rem;    /* 12px */
  --font-size-sm: 0.875rem;   /* 14px */
  --font-size-base: 1rem;     /* 16px */
  --font-size-lg: 1.125rem;   /* 18px */
  --font-size-xl: 1.25rem;    /* 20px */
  --font-size-2xl: 1.5rem;    /* 24px */
  --font-size-3xl: 1.875rem;  /* 30px */
  --font-size-4xl: 2.25rem;   /* 36px */
  --font-size-5xl: 3rem;      /* 48px */
  --font-size-6xl: 3.75rem;   /* 60px */
  --font-size-7xl: 4.5rem;    /* 72px */
}

/* Prevent horizontal scrolling */
html, body {
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
  position: relative;
}

/* Base styles */
* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  margin: 0;
  padding: 0;
  color: var(--color-text);
  background-color: var(--color-bg);
  font-size: var(--font-size-base);
  line-height: 1.6;
  overflow-x: hidden; /* Prevent horizontal scrolling */
}

/* Typography */
h1 {
  font-size: var(--font-size-5xl);
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-primary);
}

h2 {
  font-size: var(--font-size-4xl);
  font-weight: 600;
  line-height: 1.3;
  color: var(--color-primary);
}

h3 {
  font-size: var(--font-size-3xl);
  font-weight: 600;
  line-height: 1.4;
  color: var(--color-primary);
}

h4 {
  font-size: var(--font-size-2xl);
  font-weight: 500;
  line-height: 1.4;
  color: var(--color-primary);
}

h5 {
  font-size: var(--font-size-xl);
  font-weight: 500;
  line-height: 1.5;
  color: var(--color-primary);
}

h6 {
  font-size: var(--font-size-lg);
  font-weight: 500;
  line-height: 1.5;
  color: var(--color-primary);
}

p {
  font-size: var(--font-size-base);
  line-height: 1.6;
  margin-bottom: 1rem;
}

.text-sm {
  font-size: var(--font-size-sm);
}

.text-lg {
  font-size: var(--font-size-lg);
}

.text-xl {
  font-size: var(--font-size-xl);
}

/* Heading styles for non-home pages */
body:not(.home) h1,
body:not(.home) h2,
body:not(.home) h3:not(.hero-title-modern):not(.card-header h3),
body:not(.home) h4,
body:not(.home) h5,
body:not(.home) h6 {
  color: var(--color-accent);
}

/* Buttons */
.btn {
  display: block;
  margin: 0 auto;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  font-weight: 600;
  border-radius: 99px;
  padding: 0.75rem 1.5rem;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-size: var(--font-size-sm);
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
  width: fit-content;
  white-space: nowrap;
  gap: 0.5rem;
}

.hero-buttons .btn {
  padding: 20px 20px 20px 28px; /* Match the padding of other buttons */
  margin-left: 0; /* Align to the left */
  margin-right: 1rem; /* Add some spacing between buttons */
}

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

.btn-primary:hover {
  background-color: #022252;
}

.btn-secondary {
  background-color: var(--color-secondary);
  color: var(--color-primary);
}

.btn-secondary:hover {
  background-color: #f5b08d;
}

/* Navigation */
.nav-links {
  display: flex;
  gap: 1.5rem;
  margin-right: 2rem;
  align-items: center;
}

.nav-link {
  position: relative;
  color: rgba(255,255,255,0.8);
  font-weight: 500;
  text-decoration: none;
  transition: all 0.3s ease;
  font-size: 0.9rem;
  display: inline-block;
  text-align: center;
  padding: 0.5rem 0;
}

.nav-link::after {
  content: '';
  position: absolute;
  width: 0;
  height: 2px;
  bottom: -5px;
  left: 0;
  background-color: var(--color-accent); /* Persimmon Orange */
  transition: width 0.3s ease;
  transform-origin: left center;
}

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

.nav-link.active::after {
  width: 100%;
  right: auto;
  left: 0;
  transform: none;
}

.nav-link span {
  position: relative;
  display: inline-block;
}

.nav-link.active {
  color: white;
}

/* Removed span::after in favor of link::after */

.nav-link:hover {
  color: #f1fffa; /* Mint cream from the palette */
}

/* Removed in favor of link::after */

.nav-cta {
  font-size: 0.9rem;
  text-transform: uppercase;
}

/* Header Styles */
header {
  position: fixed;
  width: 100%;
  z-index: 50;
  background-color: transparent;
  transition: background-color 0.3s ease, backdrop-filter 0.3s ease;
}

/* All headers start transparent and change on scroll */

header.scrolled {
  background-color: rgba(1, 22, 56, 0.8); /* Using Oxford Blue from the color palette */
  backdrop-filter: blur(10px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

.logo-link {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.logo-container {
  position: relative;
}

.logo-img {
  height: 40px;
  width: auto;
  transition: all 0.3s ease;
}

/* About Section Styles */
.about-hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 4rem;
}

.about-hero-content {
  animation: fadeInLeft 0.8s ease-out;
}

.hero-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--color-accent), #ff8c00);
  color: white;
  padding: 0.5rem 1.2rem;
  border-radius: 25px;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 1.5rem;
  animation: slideInDown 0.6s ease-out 0.2s both;
}

.hero-title {
  font-size: 3.5rem;
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-primary);
  margin-bottom: 1.5rem;
  animation: fadeInUp 0.8s ease-out 0.3s both;
}

.hero-description {
  font-size: 1.1rem;
  line-height: 1.7;
  color: #666;
  margin-bottom: 2.5rem;
  animation: fadeInUp 0.8s ease-out 0.4s both;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.stat-item {
  text-align: center;
  padding: 1.5rem;
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  transition: all 0.3s ease;
  animation: fadeInUp 0.6s ease-out calc(0.5s + var(--delay, 0s)) both;
}

.stat-item:nth-child(1) { --delay: 0s; }
.stat-item:nth-child(2) { --delay: 0.1s; }
.stat-item:nth-child(3) { --delay: 0.2s; }
.stat-item:nth-child(4) { --delay: 0.3s; }
.stat-item:nth-child(5) { --delay: 0.4s; }

.stat-item:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.stat-item.highlight {
  background: linear-gradient(135deg, var(--color-accent), #ff8c00);
  color: white;
  grid-column: span 3;
  margin-top: 1rem;
}

.stat-number {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
  counter-reset: number;
  animation: countUp 2s ease-out 1s both;
}

.stat-item.highlight .stat-number {
  color: white;
  font-size: 3rem;
}

.stat-label {
  font-size: 0.9rem;
  font-weight: 500;
  color: #666;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.stat-item.highlight .stat-label {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1rem;
}

.about-hero-image {
  animation: fadeInRight 0.8s ease-out 0.2s both;
}

.about-hero-image .image-container {
  background-color: var(--color-light);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(1, 22, 56, 0.15);
  position: relative;
}

.about-hero-image .image-container::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(28, 68, 142, 0.1), rgba(255, 177, 0, 0.1));
  z-index: 1;
}

.about-hero-image img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  display: block;
  transition: transform 0.3s ease;
}

.about-hero-image:hover img {
  transform: scale(1.05);
}

/* Feature Cards */
.feature-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 4rem;
}

.feature-card {
  background: white;
  padding: 2rem;
  border-radius: 16px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  transition: all 0.3s ease;
  border: 1px solid #f0f0f0;
  animation: fadeInUp 0.6s ease-out calc(0.6s + var(--card-delay, 0s)) both;
}

.feature-card:nth-child(1) { --card-delay: 0s; }
.feature-card:nth-child(2) { --card-delay: 0.1s; }
.feature-card:nth-child(3) { --card-delay: 0.2s; }
.feature-card:nth-child(4) { --card-delay: 0.3s; }

.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.15);
}

.feature-icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-accent), #ff8c00);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  transition: transform 0.3s ease;
}

.feature-card:hover .feature-icon {
  transform: scale(1.1) rotate(5deg);
}

.feature-icon i {
  font-size: 1.5rem;
  color: white;
}

.feature-card h3 {
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 1rem;
}

.feature-card p {
  color: #666;
  line-height: 1.6;
  font-size: 0.95rem;
}

/* Animations */
@keyframes fadeInLeft {
  from {
    opacity: 0;
    transform: translateX(-30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

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

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

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

@keyframes countUp {
  from {
    opacity: 0;
    transform: scale(0.5);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

/* Responsive Design */
@media (max-width: 1024px) {
  .about-hero {
    grid-template-columns: 1fr;
    gap: 3rem;
    text-align: center;
  }
  
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .stat-item.highlight {
    grid-column: span 2;
  }
  
  .feature-cards {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .hero-title {
    font-size: 2.5rem;
  }
  
  .stats-grid {
    grid-template-columns: 1fr;
  }
  
  .stat-item.highlight {
    grid-column: span 1;
  }
  
  .feature-cards {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  .about-hero-image img {
    height: 300px;
  }
}

/* Values Section Styles */
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.value-card {
  background: linear-gradient(135deg, #ffffff 0%, #fafafa 100%);
  padding: 2.5rem;
  border-radius: 1.2rem;
  box-shadow: 0 20px 60px rgba(1, 22, 56, 0.15), 0 8px 24px rgba(229, 88, 18, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.8);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
  transform: translateY(-8px) scale(1.02);
}

.value-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
  transform: scaleX(1);
  transition: transform 0.4s ease;
}

.value-card:hover {
  transform: translateY(-12px) scale(1.04);
  box-shadow: 0 30px 80px rgba(1, 22, 56, 0.2), 0 12px 32px rgba(229, 88, 18, 0.15);
  filter: brightness(1.02);
}

.value-card:hover::before {
  height: 6px;
}

.value-icon {
  margin-bottom: 1.5rem;
  color: var(--color-accent);
  font-size: var(--font-size-5xl);
  background: linear-gradient(135deg, #ffffff, var(--color-accent), #ffffff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  transition: transform 0.3s ease;
  transform: scale(1.1) rotate(5deg);
}

.value-card:hover .value-icon {
  transform: scale(1.15) rotate(8deg);
}

.value-card h3 {
  font-size: var(--font-size-3xl);
  margin-bottom: 1rem;
  color: var(--color-primary);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.value-card p {
  line-height: 1.7;
  color: #555;
  font-weight: 400;
}

.value-card ul {
  line-height: 1.7;
  padding-left: 1.5rem;
}

.value-card li {
  margin-bottom: 0.5rem;
  color: #555;
}

/* Help Services Grid Styles */
.help-services-grid {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

/* Service Cards for Services Page */
.help-services-grid .service-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  background: #ffffff;
  border-radius: 1.2rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(1, 22, 56, 0.1);
  transition: all 0.3s ease;
  align-items: center;
  margin-bottom: 2rem;
}

.help-services-grid .service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 35px 90px rgba(1, 22, 56, 0.2);
}

.help-services-grid .service-card:nth-child(even) {
  grid-template-columns: 1fr 1fr;
}

.help-services-grid .service-card:nth-child(even) .service-content {
  order: 2;
}

.help-services-grid .service-card:nth-child(even) .service-image {
  order: 1;
}

.help-services-grid .service-image {
  position: relative;
  overflow: hidden;
  height: 350px;
  background: linear-gradient(135deg, var(--color-light) 0%, var(--color-secondary) 100%);
}

.help-services-grid .service-image::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(28, 68, 142, 0.1) 0%, rgba(245, 171, 0, 0.1) 100%);
  z-index: 2;
  transition: opacity 0.3s ease;
}

.help-services-grid .service-card:hover .service-image::before {
  opacity: 0.7;
}

.help-services-grid .service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: all 0.4s ease;
  filter: brightness(1.1) contrast(1.1) saturate(1.2);
}

.help-services-grid .service-card:hover .service-image img {
  transform: scale(1.08);
  filter: brightness(1.2) contrast(1.2) saturate(1.3);
}

.help-services-grid .service-image::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 40%;
  background: linear-gradient(to top, rgba(0,0,0,0.3) 0%, transparent 100%);
  z-index: 3;
  transition: opacity 0.3s ease;
}

.help-services-grid .service-card:hover .service-image::after {
  opacity: 0.5;
}

.help-services-grid .service-content {
  padding: 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: linear-gradient(135deg, #ffffff 0%, #f8f9fa 100%);
}

.help-services-grid .service-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--color-accent) 0%, #ff8c00 100%);
  color: white;
  padding: 0.6rem 1.2rem;
  border-radius: 2rem;
  font-size: var(--font-size-sm);
  font-weight: 700;
  margin-bottom: 1.5rem;
  width: fit-content;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  box-shadow: 0 4px 15px rgba(245, 171, 0, 0.3);
  transition: all 0.3s ease;
}

.help-services-grid .service-card:hover .service-badge {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245, 171, 0, 0.4);
}

.help-services-grid .service-content h3 {
  font-size: var(--font-size-3xl);
  color: var(--color-primary);
  margin-bottom: 1.5rem;
  font-weight: 700;
  line-height: 1.3;
}

.help-services-grid .service-content p {
  color: #555;
  line-height: 1.8;
  font-size: var(--font-size-lg);
  margin: 0;
}

.service-badge {
  display: inline-block;
  background: var(--color-accent);
  color: white;
  padding: 0.5rem 1rem;
  border-radius: 2rem;
  font-size: var(--font-size-sm);
  font-weight: 600;
  margin-bottom: 1rem;
  width: fit-content;
  letter-spacing: 0.5px;
}

.service-content h3 {
  font-size: var(--font-size-3xl);
  color: var(--color-primary);
  margin-bottom: 1.5rem;
  font-weight: 700;
  line-height: 1.3;
}

.service-content p {
  color: #666;
  line-height: 1.6;
  font-size: var(--font-size-base);
  margin-bottom: 1.5rem;
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.feature-icon {
  background: var(--color-light);
  color: var(--color-primary);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.feature-text h4 {
  font-size: var(--font-size-lg);
  color: var(--color-primary);
  margin-bottom: 0.5rem;
  font-weight: 600;
}

.feature-text p {
  color: #666;
  line-height: 1.6;
  font-size: var(--font-size-sm);
}

/* Mobile Responsive for Service Cards */
@media (max-width: 768px) {
  .help-services-grid .service-card {
    grid-template-columns: 1fr;
    gap: 0;
    margin-bottom: 2rem;
  }
  
  .help-services-grid .service-card:nth-child(even) {
    grid-template-columns: 1fr;
  }
  
  .help-services-grid .service-card:nth-child(even) .service-content,
  .help-services-grid .service-card:nth-child(even) .service-image {
    order: initial;
  }
  
  .help-services-grid .service-image {
    height: 280px;
    order: -1;
  }
  
  .help-services-grid .service-content {
    padding: 2rem 1.5rem;
  }
  
  .help-services-grid .service-content h3 {
    font-size: var(--font-size-2xl);
  }
  
  .help-services-grid .service-content p {
    font-size: var(--font-size-base);
  }
  
  .help-services-grid .service-badge {
    font-size: var(--font-size-xs);
    padding: 0.5rem 1rem;
  }
}

/* Team Section Styles */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

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

.team-member-image {
  width: 200px;
  height: 200px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 1.5rem;
}

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

.team-member h3 {
  font-size: var(--font-size-3xl);
  margin-bottom: 0.5rem;
  color: var(--color-primary); /* Oxford Blue */
}

.team-member-role {
  color: var(--color-secondary); /* Light Peach */
  font-weight: 500;
  margin-bottom: 1rem;
}

.team-member-bio {
  line-height: 1.7;
}

/* Board of Directors Section Styles */
.board-section {
  background-color: #f8f9fa;
  padding: 5rem 0;
}

.board-section .section-header h2 {
  color: var(--color-primary);
}

.board-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-bottom: 3rem;
}

.board-member {
  background: white;
  border-radius: 16px;
  padding: 2rem;
  text-align: center;
  box-shadow: 0 4px 20px rgba(1, 22, 56, 0.08);
  transition: all 0.3s ease;
  border: 1px solid #f0f0f0;
  position: relative;
  overflow: hidden;
}

.board-member::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
}

.board-member:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(1, 22, 56, 0.15);
}

.board-member.chairman::before {
  background: linear-gradient(90deg, #d4af37, #ffd700);
}

.board-member.ceo::before {
  background: linear-gradient(90deg, var(--color-accent), #ff6b35);
}

.board-member.technical::before {
  background: linear-gradient(90deg, #4a90e2, #357abd);
}

.board-member-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-primary), #022252);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  position: relative;
}

.board-member.chairman .board-member-icon {
  background: linear-gradient(135deg, #d4af37, #b8941f);
}

.board-member.ceo .board-member-icon {
  background: linear-gradient(135deg, var(--color-accent), #d14a1f);
}

.board-member.technical .board-member-icon {
  background: linear-gradient(135deg, #4a90e2, #2c5aa0);
}

.board-member-icon i {
  font-size: var(--font-size-4xl);
  color: white;
}

.board-member h3 {
  font-size: 1.4rem;
  margin-bottom: 0.5rem;
  color: var(--color-primary);
  font-weight: 600;
  line-height: 1.3;
}

.board-member-role {
  color: var(--color-accent);
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.board-member-bio {
  color: #666;
  line-height: 1.6;
  font-size: 0.95rem;
}

.board-commitment {
  margin-top: 0;
}

.commitment-section {
  background: #f8f9fa;
  padding: 4rem 0;
}

.commitment-card {
  background: linear-gradient(135deg, #f8f9fa, #e9ecef);
  border-radius: 16px;
  padding: 2.5rem;
  text-align: center;
  border-left: 5px solid var(--color-accent);
}

.commitment-card h3 {
  color: var(--color-primary);
  font-size: 1.8rem;
  margin-bottom: 1.5rem;
  font-weight: 600;
}

.commitment-card p {
  color: #555;
  line-height: 1.7;
  font-size: 1.1rem;
  max-width: 800px;
  margin: 0 auto;
}

/* Modern Commitment Section */
.commitment-section-modern {
  background: linear-gradient(135deg, #f0f4f8 0%, #e8f2f7 100%);
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}

.commitment-section-modern::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><defs><pattern id="grain" width="100" height="100" patternUnits="userSpaceOnUse"><circle cx="50" cy="50" r="1" fill="%23f5ab00" opacity="0.02"/></pattern></defs><rect width="100" height="100" fill="url(%23grain)"/></svg>');
  pointer-events: none;
}

.commitment-modern-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: stretch;
  position: relative;
  z-index: 1;
  min-height: 600px;
}

.commitment-content-modern {
  padding: 2rem 0;
}

.commitment-header {
  margin-bottom: 3rem;
}

.commitment-icon {
  margin-bottom: 1.5rem;
}

.commitment-title {
  color: var(--color-primary) !important;
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  line-height: 1.2;
}

.commitment-subtitle {
  color: var(--color-accent);
  font-size: 1.1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.commitment-text {
  margin-bottom: 3rem;
}

.commitment-text p {
  color: #555;
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.commitment-features {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

/* Excellence card overlay on image - moved to .commitment-image-modern section */

.commitment-feature {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.5rem;
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.commitment-feature:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.feature-icon {
  background: rgba(245, 171, 0, 0.1);
  width: 50px;
  height: 50px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.feature-icon i {
  font-size: 1.5rem;
}

.feature-content h4 {
  color: var(--color-primary);
  font-size: 1.2rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.feature-content p {
  color: #666;
  font-size: 0.95rem;
  line-height: 1.5;
  margin: 0;
}

.commitment-image-modern {
  position: relative;
  display: flex;
  align-items: stretch;
}

.commitment-image-modern .commitment-feature {
  position: absolute;
  bottom: 2rem;
  right: 2rem;
  transform: translateY(0);
  z-index: 10;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(245, 171, 0, 0.2);
  box-shadow: 0 10px 40px rgba(0,0,0,0.2);
  max-width: 280px;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.5rem;
  border-radius: 12px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.commitment-image-modern .commitment-feature:hover {
  background: rgba(255, 255, 255, 0.98);
  transform: translateY(-5px);
  box-shadow: 0 15px 50px rgba(0,0,0,0.25);
}

.commitment-image-container {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.15);
  width: 100%;
  display: flex;
}

.commitment-img {
  width: 100%;
  height: 100%;
  min-height: 600px;
  object-fit: cover;
  transition: transform 0.3s ease;
}

.commitment-image-container:hover .commitment-img {
  transform: scale(1.05);
}

.commitment-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8), transparent);
  padding: 2rem;
}

.commitment-stats {
  display: flex;
  gap: 2rem;
}

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

.stat-number {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--color-accent);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  opacity: 0.9;
}

/* Responsive Design */
@media (max-width: 768px) {
  .commitment-modern-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
    min-height: auto;
  }
  
  .commitment-image-modern {
    order: -1;
  }
  
  .commitment-title {
    font-size: 2rem;
  }
  
  .commitment-stats {
    justify-content: center;
  }
  
  .commitment-image-container {
    width: 100%;
    max-width: 100%;
    margin: 0 auto;
    border-radius: 16px;
    overflow: hidden;
  }
  
  .commitment-img {
    width: 100%;
    height: auto;
    min-height: 250px;
    max-height: 400px;
    object-fit: cover;
    object-position: center;
    display: block;
  }
  
  /* Reset excellence card positioning on mobile */
  .commitment-image-modern .commitment-feature {
    position: static;
    transform: none;
    right: auto;
    max-width: none;
    background: white;
    backdrop-filter: none;
    border: none;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    margin-top: 1rem;
  }
  
  .commitment-image-modern .commitment-feature:hover {
    background: white;
    transform: translateY(-2px);
  }
}

/* Additional mobile optimization for smaller screens */
@media (max-width: 480px) {
  .commitment-section-modern {
    padding: 4rem 0;
  }
  
  .commitment-modern-grid {
    gap: 2rem;
  }
  
  .commitment-content-modern {
    padding: 1rem 0;
  }
  
  .commitment-image-container {
    border-radius: 12px;
  }
  
  .commitment-img {
    min-height: 200px;
    max-height: 300px;
  }
  
  .commitment-title {
    font-size: 1.8rem;
  }
  
  .commitment-subtitle {
    font-size: 1rem;
  }
}

/* Modern About Hero Section */
.about-hero-modern {
  padding: 4rem 0;
}

.hero-content-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 4rem;
}

.hero-text-section {
  padding-right: 2rem;
}

.hero-title-modern {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  color: var(--color-primary) !important;
  margin-bottom: 1.5rem;
}

.hero-description-modern {
  font-size: 1.2rem;
  line-height: 1.7;
  color: #666;
  margin-bottom: 2.5rem;
}

.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 2rem;
}

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

.hero-stat .stat-number {
  display: block;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--color-accent);
  line-height: 1;
}

.hero-stat .stat-text {
  display: block;
  font-size: 0.9rem;
  color: #666;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 0.5rem;
}

.hero-stat-experience {
  background: var(--color-accent);
  border-radius: 15px;
  padding: 2rem 1.5rem;
  position: relative;
  overflow: hidden;
}

.hero-stat-experience .stat-number {
  color: white;
}

.hero-stat-experience .stat-text {
  color: white;
}

.hero-image-section {
  position: relative;
  border-radius: 20px;
  padding: 0;
}

.hero-image-container {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
  transform: perspective(1000px) rotateY(-5deg) rotateX(2deg);
  transition: transform 0.3s ease;
  background: transparent;
}

.hero-image-container:hover {
  transform: perspective(1000px) rotateY(0deg) rotateX(0deg);
}

.hero-image {
  width: 100%;
  height: 400px;
  object-fit: cover;
  display: block;
  background: transparent;
}

.image-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: linear-gradient(transparent, rgba(0, 0, 0, 0.8));
  padding: 2rem;
  color: white;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.hero-image-container:hover .image-overlay {
  opacity: 1;
}

.overlay-content {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: 1.1rem;
  font-weight: 600;
}

.overlay-content i {
  font-size: 1.5rem;
  color: var(--color-accent);
}

/* Modern Feature Cards */
.modern-feature-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.modern-feature-card {
  background: white;
  border-radius: 20px;
  padding: 2.5rem;
  position: relative;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
  transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  border: 1px solid #f0f0f0;
  overflow: hidden;
}

.modern-feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
}

.modern-feature-card.mission::before {
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
}

.modern-feature-card.vision::before {
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
}

.modern-feature-card.values::before {
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
}

.modern-feature-card.commitment::before {
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
}

.modern-feature-card:hover {
  transform: translateY(-10px) scale(1.02);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
}

.card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.feature-icon-modern {
  width: 60px;
  height: 60px;
  border-radius: 15px;
  background: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.modern-feature-card.mission .feature-icon-modern {
  background: var(--color-accent);
}

.modern-feature-card.vision .feature-icon-modern {
  background: var(--color-accent);
}

.modern-feature-card.values .feature-icon-modern {
  background: var(--color-accent);
}

.modern-feature-card.commitment .feature-icon-modern {
  background: var(--color-accent);
}

.feature-icon-modern::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.3), transparent);
  transition: left 0.5s ease;
}

.modern-feature-card:hover .feature-icon-modern::before {
  left: 100%;
}

.feature-icon-modern i {
  font-size: 1.8rem;
  color: white;
  z-index: 1;
  position: relative;
}

.card-header h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--color-primary) !important;
  margin: 0;
  line-height: 1.2;
}

.modern-feature-card p {
  color: #666;
  line-height: 1.7;
  font-size: 1rem;
  margin: 0;
}

.card-accent {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.modern-feature-card:hover .card-accent {
  transform: scaleX(1);
}

/* Responsive Design for Modern Hero */
@media (max-width: 1024px) {
  .hero-content-wrapper {
    grid-template-columns: 1fr;
    gap: 3rem;
    text-align: center;
  }
  
  .hero-text-section {
    padding-right: 0;
    order: 2;
  }
  
  .hero-image-section {
    order: 1;
  }
  
  .hero-title-modern {
    font-size: 2.8rem;
    color: var(--color-primary) !important;
  }
  
  .hero-stats {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  .about-hero-modern {
    padding: 2rem 0;
  }
  
  .hero-title-modern {
    font-size: 2.2rem;
    color: var(--color-primary) !important;
  }
  
  .hero-description-modern {
    font-size: 1.1rem;
  }
  
  .hero-stats {
    flex-direction: column;
    gap: 1rem;
  }
  
  .hero-stat .stat-number {
    font-size: 2rem;
  }
  
  .hero-image {
    height: 300px;
  }
  
  .modern-feature-cards {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  .modern-feature-card {
    padding: 2rem;
  }
  
  .card-header {
    flex-direction: column;
    text-align: center;
    gap: 1rem;
  }
}

/* Responsive Design for Board Section */
@media (max-width: 1200px) {
  .board-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }
}

@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  .board-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  .board-member {
    padding: 1.5rem;
  }
  
  .board-member-icon {
    width: 60px;
    height: 60px;
  }
  
  .board-member-icon i {
    font-size: var(--font-size-3xl);
  }
  
  .board-member h3 {
    font-size: 1.2rem;
  }
  
  .commitment-card {
    padding: 2rem;
  }
  
  .commitment-card h3 {
    font-size: var(--font-size-3xl);
  }
}

/* 404 Error Page Styles */
.error-page {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    min-height: 100vh;
}

.error-section {
    padding: 8rem 0 4rem;
    text-align: center;
    background: linear-gradient(135deg, var(--primary-color) 0%, #1e3a8a 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.error-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="2" fill="rgba(255,255,255,0.1)"/></svg>') repeat;
    background-size: 50px 50px;
    animation: float 20s infinite linear;
}

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

.error-content {
    position: relative;
    z-index: 2;
    max-width: 600px;
    margin: 0 auto;
    animation: fadeInUp 1s ease-out;
}

.error-number {
    font-size: 12rem;
    font-weight: 700;
    line-height: 1;
    margin-bottom: 1rem;
    background: linear-gradient(45deg, #f5ab00, #ffd700);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    text-shadow: 0 4px 8px rgba(0,0,0,0.3);
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.05); }
}

.error-title {
    font-size: 2.5rem;
    font-weight: 600;
    margin-bottom: 1rem;
    color: white;
}

.error-description {
    font-size: 1.125rem;
    margin-bottom: 2rem;
    color: rgba(255,255,255,0.9);
    line-height: 1.6;
}

.error-search {
    margin-bottom: 2rem;
}

.search-form {
    display: flex;
    max-width: 400px;
    margin: 0 auto;
    background: white;
    border-radius: 50px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}

.search-input {
    flex: 1;
    padding: 1rem 1.5rem;
    border: none;
    outline: none;
    font-size: 1rem;
    background: transparent;
}

.search-input::placeholder {
    color: #64748b;
}

.search-btn {
    padding: 1rem 1.5rem;
    background: var(--accent-color);
    border: none;
    color: white;
    cursor: pointer;
    transition: background-color 0.3s ease;
}

.search-btn:hover {
    background: #e09900;
}

.error-actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.error-actions .btn {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.875rem 1.5rem;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 500;
    transition: all 0.3s ease;
    border: 2px solid transparent;
}

.error-actions .btn-primary {
    background: var(--accent-color);
    color: white;
}

.error-actions .btn-primary:hover {
    background: #e09900;
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(255,177,0,0.3);
}

.error-actions .btn-secondary {
    background: transparent;
    color: white;
    border-color: rgba(255,255,255,0.3);
}

.error-actions .btn-secondary:hover {
    background: rgba(255,255,255,0.1);
    border-color: white;
    transform: translateY(-2px);
}

/* Quick Links Section */
.quick-links-section {
    padding: 4rem 0;
    background: white;
}

.quick-links-section .section-title {
    text-align: center;
    margin-bottom: 3rem;
    font-size: 2.5rem;
    font-weight: 600;
    color: var(--text-dark);
}

.quick-links-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.quick-link-card {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    text-decoration: none;
    color: inherit;
    box-shadow: 0 4px 6px rgba(0,0,0,0.05);
    border: 1px solid #e2e8f0;
    transition: all 0.3s ease;
    text-align: center;
}

.quick-link-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.1);
    border-color: var(--accent-color);
}

.quick-link-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color), #1e3a8a);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 1.5rem;
    transition: all 0.3s ease;
}

.quick-link-card:hover .quick-link-icon {
    background: linear-gradient(135deg, var(--accent-color), #e09900);
    transform: scale(1.1);
}

.quick-link-card h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.quick-link-card p {
    color: var(--text-muted);
    line-height: 1.5;
    margin: 0;
}

/* Responsive Design for 404 Page */
@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
    .error-section {
        padding: 4rem 0 2rem;
    }
    
    .error-number {
        font-size: 8rem;
    }
    
    .error-title {
        font-size: 2rem;
    }
    
    .error-actions {
        flex-direction: column;
        align-items: center;
    }
    
    .error-actions .btn {
        width: 100%;
        max-width: 250px;
        justify-content: center;
    }
    
    .quick-links-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .quick-links-section .section-title {
        font-size: 2rem;
    }
}

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

.section-header h2 {
  font-size: var(--font-size-4xl);
  margin-bottom: 1rem;
  color: var(--color-primary); /* Oxford Blue */
}

.section-header p {
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.7;
}

/* Page Header */
.page-header {
  padding: 10rem 0 4rem;
  background: linear-gradient(rgba(1, 22, 56, 0.8), rgba(1, 22, 56, 0.8)),
              url('../hbg.jpg') center/cover no-repeat;
  color: white;
  position: relative;
  text-align: center;
}

.page-header .container {
  position: relative;
  z-index: 2;
}

.page-title {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 1rem;
}

.page-description {
  font-size: var(--font-size-xl);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

/* Ensure consistent alignment for all pages except home */
body:not(.home) .page-header .container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  text-align: center;
}

body:not(.home) .page-title {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--color-accent); /* Persimmon Orange */
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

/* Services page specific styling */
body.services .section-header h2,
body.services .value-card h3,
body.services .insurance-card h3,
body.services h2:not(.footer-title),
body.services h3:not(.footer-title),
body.services h4:not(.footer-title) {
  color: var(--color-primary) !important;
}

/* Claims Page Styles */
.claims-card {
  background-color: var(--color-light); /* Alabaster */
  border-radius: 0.5rem;
  padding: 4rem 2rem;
  text-align: center;
  margin: 2rem auto;
  max-width: 800px;
  box-shadow: 0 4px 20px rgba(1, 22, 56, 0.1);
}

.claims-icon {
  font-size: 5rem;
  color: var(--color-accent); /* Persimmon Orange */
  margin-bottom: 1.5rem;
}

.claims-title {
  font-size: var(--font-size-4xl);
  color: var(--color-primary); /* Oxford Blue */
  margin-bottom: 1.5rem;
}

.claims-text {
  color: #555;
  max-width: 600px;
  margin: 0 auto 2rem;
  font-size: var(--font-size-xl);
  line-height: 1.6;
}

.claims-badge-container {
  margin-bottom: 2rem;
}

.claims-badge {
  display: inline-block;
  background-color: var(--color-secondary); /* Light Peach */
  padding: 0.5rem 1rem;
  border-radius: 2rem;
  margin-bottom: 1rem;
  color: var(--color-primary); /* Oxford Blue */
  font-weight: 500;
}

.claims-badge i {
  margin-right: 0.5rem;
}

.claims-contact-section {
  margin-top: 1rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(0, 0, 0, 0.1);
}

.claims-subtitle {
  font-size: var(--font-size-2xl);
  color: var(--color-primary); /* Oxford Blue */
  margin-bottom: 1rem;
}

.claims-contact-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 2rem;
  margin-bottom: 2rem;
}

.claims-contact-item {
  display: flex;
  align-items: center;
  color: var(--color-primary); /* Oxford Blue */
}

.claims-contact-item i {
  font-size: var(--font-size-3xl);
  margin-right: 1rem;
  color: var(--color-secondary); /* Light Peach */
}

.contact-label {
  font-weight: 500;
  margin-bottom: 0.25rem;
}

@media (max-width: 576px) {
  .claims-card {
    padding: 2rem 1rem;
  }
  
  .claims-contact-grid {
    flex-direction: column;
    gap: 1.5rem;
  }
}

/* Services Page Styles */
.insurance-grid {
  display: flex;
  gap: 2rem;
  overflow-x: auto;
  scroll-behavior: smooth;
  padding: 1rem 0;
  scrollbar-width: none; /* Firefox */
  -ms-overflow-style: none; /* IE and Edge */
}

.insurance-grid::-webkit-scrollbar {
  display: none; /* Chrome, Safari, Opera */
}

.insurance-grid-container {
  position: relative;
}

.insurance-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 1rem;
  margin-top: 2rem;
}

.insurance-nav-btn {
  background: var(--color-primary);
  color: white;
  border: none;
  border-radius: 50%;
  width: 50px;
  height: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.3s ease;
  font-size: 1.2rem;
}

.insurance-nav-btn:hover {
  background: var(--color-accent);
  transform: scale(1.1);
}

.insurance-nav-btn:disabled {
  background: #ccc;
  cursor: not-allowed;
  transform: none;
}

.insurance-indicators {
  display: flex;
  gap: 0.5rem;
}

.insurance-indicator {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #ddd;
  cursor: pointer;
  transition: all 0.3s ease;
}

.insurance-indicator.active {
  background: var(--color-accent);
  transform: scale(1.2);
}

.insurance-card {
  background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
  padding: 2.5rem;
  border-radius: 1.2rem;
  box-shadow: 0 20px 60px rgba(1, 22, 56, 0.15), 0 8px 24px rgba(229, 88, 18, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.8);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
  transform: translateY(-8px) scale(1.02);
  min-width: 350px;
  flex-shrink: 0;
}

.insurance-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
  transform: scaleX(1);
  transition: transform 0.4s ease;
}

.insurance-card:hover {
  transform: translateY(-12px) scale(1.04);
  box-shadow: 0 30px 80px rgba(1, 22, 56, 0.2), 0 12px 32px rgba(229, 88, 18, 0.15);
  filter: brightness(1.02);
}

.insurance-card:hover::before {
  height: 6px;
}

.insurance-card h3 {
  font-size: var(--font-size-3xl);
  margin-bottom: 1.5rem;
  color: var(--color-primary);
  border-bottom: 3px solid var(--color-accent);
  padding-bottom: 0.75rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  position: relative;
}

.insurance-card h3::after {
  content: '';
  position: absolute;
  bottom: -3px;
  left: 0;
  width: 30%;
  height: 3px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
  border-radius: 2px;
}

.insurance-card ul {
  line-height: 1.7;
  padding-left: 1.5rem;
}

.insurance-card li {
  margin-bottom: 1rem;
  color: var(--color-primary);
  font-weight: 400;
  transition: color 0.3s ease;
}

.insurance-card:hover li {
  color: var(--color-accent);
}

.insurance-icon {
  width: 80px;
  height: 80px;
  background: var(--color-accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem auto;
  box-shadow: 0 8px 24px rgba(229, 88, 18, 0.3);
  transition: all 0.3s ease;
}

.insurance-icon i {
  font-size: 2rem;
  color: white;
}

.insurance-card:hover .insurance-icon {
  transform: scale(1.1);
  box-shadow: 0 12px 32px rgba(229, 88, 18, 0.4);
}

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

.why-choose-content h2 {
  font-size: var(--font-size-4xl);
  margin-bottom: 1.5rem;
  color: var(--color-primary); /* Oxford Blue */
}

.why-choose-content p {
  margin-bottom: 1.5rem;
  line-height: 1.7;
}

.feature-item {
  margin-bottom: 1.5rem;
}

.feature-item h4 {
  font-size: var(--font-size-2xl);
  margin-bottom: 0.5rem;
  color: var(--color-primary); /* Oxford Blue */
}

.feature-item h4 i {
  color: var(--color-secondary); /* Light Peach */
  margin-right: 0.5rem;
}

.feature-item p {
  line-height: 1.7;
  padding-left: 1.75rem;
}

.why-choose-image {
  background-color: var(--color-light); /* Alabaster */
  border-radius: 0.5rem;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(1, 22, 56, 0.1);
}

.why-choose-image img {
  width: 100%;
  height: auto;
  object-fit: cover;
}

/* Responsive Styles */
@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  /* About Section */
  .about-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  
  .about-image {
    order: -1; /* Make image appear on top on mobile */
  }
  
  /* Values Section */
  .values-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  /* Team Section */
  .team-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  
  /* Services Page */
  .insurance-grid {
    gap: 1rem;
    padding: 0 1rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 4rem);
    max-width: calc(100vw - 4rem);
    margin: 0 0.5rem;
  }
  
  .insurance-nav {
    margin-top: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 40px;
    height: 40px;
    font-size: 1rem;
  }
  
  .why-choose-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  
  .why-choose-image {
    order: -1; /* Make image appear on top on mobile */
  }
}

/* Coverage Section Styles */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: 1.5rem;
}

.coverage-card {
  background: linear-gradient(135deg, #ffffff 0%, #fafafa 100%);
  padding: 2.5rem;
  border-radius: 1.2rem;
  box-shadow: 0 20px 60px rgba(1, 22, 56, 0.15), 0 8px 24px rgba(229, 88, 18, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.8);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
  transform: translateY(-8px) scale(1.03);
}

.coverage-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #ffffff, var(--color-accent), #ffffff);
  transform: scaleX(1);
  transition: transform 0.4s ease;
}

.coverage-card:hover {
  transform: translateY(-12px) scale(1.05);
  box-shadow: 0 30px 80px rgba(1, 22, 56, 0.2), 0 12px 32px rgba(229, 88, 18, 0.15);
  filter: brightness(1.02);
}

.coverage-card:hover::before {
  height: 6px;
}

.coverage-title {
  font-size: var(--font-size-2xl);
  color: var(--color-primary);
  margin-bottom: 0.75rem;
  font-weight: 600;
  letter-spacing: -0.02em;
  transition: color 0.3s ease;
}

.coverage-card:hover .coverage-title {
  color: var(--color-primary);
}

.coverage-text {
  color: #555;
  font-size: 0.9rem;
  line-height: 1.6;
  font-weight: 400;
}

.text-center .btn {
  margin-left: auto;
  margin-right: auto;
}

.mt-lg {
  margin-top: 3rem;
}

.section-header {
  margin-bottom: 3rem;
}

.section-description {
  max-width: 700px;
  margin: 0 auto;
  color: #555;
}

/* Call to Action Section */
/* Modern CTA Section Styles */
.cta-modern {
  display: flex;
  background: linear-gradient(135deg, var(--color-primary) 0%, #022252 100%);
  border-radius: 16px;
  overflow: hidden;
  position: relative;
  box-shadow: 0 20px 40px rgba(1, 22, 56, 0.15);
  color: white;
}

.cta-modern-content {
  padding: 4rem;
  width: 100%;
  position: relative;
  z-index: 2;
}

.cta-modern-title {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  line-height: 1.2;
  color: white;
}

.cta-modern-text {
  font-size: var(--font-size-xl);
  margin-bottom: 2rem;
  max-width: 600px;
  line-height: 1.6;
  opacity: 0.9;
}

.cta-modern-buttons {
  display: flex;
  gap: 1rem;
}

.cta-modern-shape {
  position: absolute;
  right: 0;
  top: 0;
  width: 40%;
  height: 100%;
  background: linear-gradient(135deg, var(--color-accent) 0%, #f8732f 100%);
  clip-path: polygon(30% 0, 100% 0, 100% 100%, 0% 100%);
  z-index: 1;
}

@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  .cta-modern {
    flex-direction: column;
  }
  
  .cta-modern-content {
    padding: 3rem 2rem;
  }
  
  .cta-modern-title {
    font-size: var(--font-size-4xl);
  }
  
  .cta-modern-shape {
    width: 100%;
    height: 30%;
    bottom: 0;
    top: auto;
    clip-path: polygon(0 30%, 100% 0, 100% 100%, 0% 100%);
  }
}

/* Footer Styles */
.footer {
  background-color: var(--color-primary);
  background-image: url('../bg.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: white;
  padding: 4rem 0 2rem;
  position: relative;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: var(--color-primary);
  opacity: 0.9;
  z-index: 0;
}

.footer .container {
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-bottom: 3rem;
}

.footer-column {
  margin-bottom: 1.5rem;
}

.footer-title {
  font-size: var(--font-size-2xl);
  margin-bottom: 1.5rem;
  color: var(--color-accent);
}

.footer-text {
  margin-bottom: 1rem;
  color: #ccc;
  font-size: var(--font-size-sm);
}

.footer-links {
  list-style: none;
  padding: 0;
}

.footer-links li {
  margin-bottom: 0.75rem;
}

.footer-links a {
  color: #ccc;
  text-decoration: none;
  font-size: var(--font-size-sm);
  transition: color 0.3s ease;
}

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

.footer-contact {
  margin-bottom: 0.75rem;
  color: #ccc;
  font-size: var(--font-size-sm);
  display: flex;
  align-items: center;
}

.footer-contact i {
  margin-right: 0.5rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
  text-align: center;
}

.copyright {
  color: #ccc;
  font-size: var(--font-size-sm);
}

/* Social media icons */
.footer-social {
  display: flex;
  gap: 1rem;
  margin-top: 1.5rem;
}

.footer-social a {
  color: white;
  font-size: var(--font-size-2xl);
  transition: color 0.3s ease;
}

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

/* Responsive footer */
@media (max-width: 992px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
  }
}

@media (max-width: 576px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  
  .footer-column {
    margin-bottom: 1.5rem;
  }
}

.cta-content {
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.cta-title {
  font-size: var(--font-size-4xl);
  margin-bottom: 1.5rem;
}

.cta-text {
  margin-bottom: 2rem;
}

.btn-light {
  background-color: white;
  color: var(--color-accent);
  font-weight: 600;
}

.about-image {
  position: relative;
}

.image-background {
  display: none;
}

.about-img {
  width: 100%;
  height: auto;
  object-fit: cover;
  border-radius: 0.5rem;
  position: relative;
  z-index: 2;
}

.section-title {
  font-size: var(--font-size-4xl);
  color: var(--color-primary);
  margin-bottom: 1.5rem;
}

.about-text {
  color: #555;
  margin-bottom: 1.5rem;
}

.about-cta {
  margin-top: 2rem;
}

.desktop-nav {
  display: flex;
  align-items: center;
}

#mobile-menu {
  background-color: var(--color-primary); /* Oxford Blue */
  padding: 1rem;
  box-shadow: 0 4px 10px rgba(0,0,0,0.2);
}

.mobile-nav {
  display: flex;
  flex-direction: column;
}

.mobile-nav-link {
  padding: 1rem 0;
  font-weight: 500;
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.8);
  transition: all 0.3s ease;
}

.mobile-nav-link.active {
  color: var(--color-accent); /* Persimmon Orange */
  font-weight: 600;
}

.mobile-nav-link:hover {
  color: var(--color-secondary); /* Light Peach */
  padding-left: 0.5rem;
}

.mobile-nav-link:last-child {
  border-bottom: none;
}

#mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  color: var(--color-light); /* Alabaster */
  font-size: var(--font-size-3xl);
  cursor: pointer;
  transition: color 0.3s ease;
}

#mobile-menu-btn:hover {
  color: var(--color-secondary); /* Light Peach */
}

/* Animations */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.animate-fadeInUp {
  animation: fadeInUp 0.6s ease-out forwards;
}

/* Additional utility classes */
.bg-primary {
  background-color: var(--color-primary);
}

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

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

/* Hide elements */
.hidden {
  display: none !important;
}

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

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

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

/* Container for consistent spacing */
.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
  width: 100%;
  box-sizing: border-box;
}

/* Section spacing */
.section {
  padding: 5rem 0;
}

/* Responsive typography */
h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
}

h2 {
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1.2;
}

h3 {
  font-size: 1.75rem;
  font-weight: 600;
  line-height: 1.3;
}

p {
  font-size: var(--font-size-xl);
  line-height: 1.6;
}

/* Button Styles */
.btn {
  display: inline-block;
  text-decoration: none;
  font-weight: 600;
  border-radius: 99px;
  padding: 0.75rem 1.75rem;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-size: 0.85rem;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.btn-primary {
  background-color: var(--color-accent); /* Persimmon Orange */
  color: white;
  border: none;
}

.btn-primary:hover {
  background-color: transparent;
  color: var(--color-accent);
  border: 2px solid var(--color-accent);
  transform: translateY(-1px);
  box-shadow: 0 4px 8px rgba(229, 88, 18, 0.2);
}

.btn-outline {
  background-color: transparent;
  color: white;
  border: 2px solid white;
}

.btn-outline:hover {
  background-color: rgba(255, 255, 255, 0.1);
  transform: translateY(-2px);
}

.btn-light {
  background-color: var(--color-light); /* Alabaster */
  color: var(--color-primary); /* Oxford Blue */
}

.btn-light:hover {
  background-color: #e5ddd0; /* Slightly darker Alabaster */
  transform: translateY(-2px);
  box-shadow: 0 4px 8px rgba(1, 22, 56, 0.1);
}

/* Service Cards */
.service-card {
  background: #ffffff;
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
  border: 1px solid #e5e5e5;
  transition: all 0.3s ease;
  position: relative;
  text-align: left;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #D4AF37, #FFD700, #FFA500);
  border-radius: 12px 12px 0 0;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.service-card:hover::before {
  height: 6px;
  background: linear-gradient(90deg, #B8860B, #D4AF37, #FFD700);
}

.service-card .service-icon {
  color: var(--color-accent);
  font-size: 3rem;
  margin-bottom: 1.5rem;
  display: block;
  text-align: left;
}

.service-card .service-title {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  color: var(--color-primary);
  font-weight: 600;
  text-align: left;
}

.service-card .service-description {
  color: #666;
  line-height: 1.6;
  margin-bottom: 1.5rem;
  font-size: 0.95rem;
  text-align: left;
}

.service-card .service-link {
  color: var(--color-accent);
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  transition: color 0.3s ease;
}

.service-card .service-link i {
  margin-left: 0.5rem;
  font-size: 0.875rem;
  transition: transform 0.3s ease;
}

.service-card:hover .service-link {
  color: var(--color-primary);
}

.service-card:hover .service-link i {
  transform: translateX(3px);
}

/* Insurance Grid and Cards - Commented out to use flexbox horizontal scroll */
/* .insurance-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
} */

.insurance-card {
  background-color: white;
  padding: 2rem;
  border-radius: 0.5rem;
  box-shadow: 0 4px 10px rgba(1, 22, 56, 0.05);
}

.insurance-card h3 {
  font-size: var(--font-size-3xl);
  margin-bottom: 1.5rem;
  color: var(--color-primary);
  border-bottom: 2px solid var(--color-accent);
  padding-bottom: 0.75rem;
}

.insurance-card ul {
  line-height: 1.7;
  padding-left: 1.5rem;
}

.insurance-card li {
  margin-bottom: 1rem;
}

.insurance-card li:last-child {
  margin-bottom: 0;
}

/* Why Choose Us Section */
.why-choose-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.why-choose-content h2 {
  font-size: var(--font-size-4xl);
  margin-bottom: 1.5rem;
  color: var(--color-primary);
}

.why-choose-content p {
  margin-bottom: 1.5rem;
  line-height: 1.7;
}

.feature-item {
  margin-bottom: 1.5rem;
}

.feature-item:last-child {
  margin-bottom: 0;
}

.feature-item h4 {
  font-size: var(--font-size-2xl);
  margin-bottom: 0.5rem;
  color: var(--color-primary);
  display: flex;
  align-items: center;
}

.feature-item h4 i {
  color: var(--color-accent);
  margin-right: 0.5rem;
}

.feature-item p {
  line-height: 1.7;
  padding-left: 1.75rem;
  margin-bottom: 0;
}

.why-choose-image {
  background-color: var(--color-light);
  border-radius: 0.5rem;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(1, 22, 56, 0.1);
}

.why-choose-image img {
  width: 100%;
  height: auto;
  object-fit: cover;
}

.service-icon {
  color: var(--color-accent);
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.service-title {
  margin-bottom: 1rem;
  color: var(--color-primary);
}

.service-description {
  color: #555;
  margin-bottom: 1.5rem;
}

.service-link {
  display: block;
  text-align: center;
  color: var(--color-accent);
  font-weight: 500;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}

/* Hero Section */
.hero-section {
  position: relative;
  height: 100vh;
  min-height: 600px;
  display: flex;
  align-items: center;
  color: white;
  overflow: hidden;
  z-index: 1;
  width: 100%;
}

.hero-bg {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: -2;
}

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

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(to top left, rgba(229, 88, 18, 0.85) 0%, rgba(229, 88, 18, 0.6) 40%, rgba(229, 88, 18, 0.2) 100%);
  z-index: -1;
}

.hero-container {
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  z-index: 2;
}

.hero-content {
  max-width: 650px;
  animation: fadeInUp 1s ease-out;
  width: 100%;
  margin-top: 2rem;
}

.hero-element {
  opacity: 0;
}

.hero-badge-container {
  margin-bottom: 1.5rem;
}

.hero-badge {
  display: inline-block;
  background-color: var(--color-accent);
  color: white;
  padding: 0.5rem 1rem;
  border-radius: 4px;
  font-size: var(--font-size-sm);
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  max-width: 100%;
  word-wrap: break-word;
}

.hero-title-line {
  opacity: 0;
  font-size: 2.5rem;
  line-height: 1.2;
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.hero-title {
  margin-bottom: 1.5rem;
  letter-spacing: -0.5px;
  max-width: 100%;
  word-wrap: break-word;
}

.shimmer-text {
  background: linear-gradient(90deg, #f5ab00, #ccdaf5, #f5ab00);
  background-size: 200% auto;
  color: transparent;
  -webkit-background-clip: text;
  background-clip: text;
  animation: shimmer 1.5s linear infinite;
  display: inline-block;
  max-width: 100%;
  font-weight: 700;
  text-shadow: 0 0 5px rgba(229, 88, 18, 0.3);
}

.hero-description {
  margin-bottom: 2.5rem;
  max-width: 550px;
  color: rgba(255,255,255,0.9);
  opacity: 0;
  width: 100%;
  word-wrap: break-word;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  opacity: 0;
  width: 100%;
  margin-bottom: 4rem;
}

.scroll-down {
  position: absolute;
  bottom: 3rem;
  left: 50%;
  transform: translateX(-50%);
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  color: white;
  z-index: 10;
  width: auto;
}

.scroll-text {
  font-size: var(--font-size-sm);
  letter-spacing: 2px;
  margin-bottom: 0.5rem;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
}

.scroll-icon {
  animation: bounce 2s infinite;
  background-color: var(--color-accent);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  box-shadow: 0 2px 10px rgba(229, 88, 18, 0.3);
}

.scroll-icon i {
  font-size: 1rem;
}

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

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

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* Section spacing */
.section {
  padding: 4rem 0;
}

/* Empty state styling */
.empty-state {
  text-align: center;
  padding: 4rem 2rem;
  background-color: var(--color-light);
  border-radius: 0.5rem;
  margin: 2rem 0;
}

.empty-state-icon {
  font-size: 4rem;
  color: var(--color-accent);
  margin-bottom: 1.5rem;
}

.empty-state-title {
  font-size: var(--font-size-3xl);
  color: var(--color-primary);
  margin-bottom: 1rem;
}

.empty-state-text {
  color: #666;
  max-width: 500px;
  margin: 0 auto 1.5rem;
}

/* Animations */
@keyframes shimmer {
  0% {
    background-position: 0% 50%;
  }
  50% {
    background-position: 100% 50%;
  }
  100% {
    background-position: 0% 50%;
  }
}

/* Text Loading Animations */
@keyframes typewriter {
  from {
    width: 0;
  }
  to {
    width: 100%;
  }
}

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

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

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

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

@keyframes blurIn {
  from {
    opacity: 0;
    filter: blur(10px);
  }
  to {
    opacity: 1;
    filter: blur(0);
  }
}

/* Text Animation Classes */
.text-animate-typewriter {
  overflow: hidden;
  white-space: nowrap;
  border-right: 2px solid var(--color-accent);
  animation: typewriter 2s steps(40, end), blink-caret 0.75s step-end infinite;
}

@keyframes blink-caret {
  from, to {
    border-color: transparent;
  }
  50% {
    border-color: var(--color-accent);
  }
}

.text-animate-fade {
  opacity: 0;
  animation: fadeInText 1s ease-out forwards;
}

.text-animate-slide-left {
  opacity: 0;
  animation: slideInLeft 0.8s ease-out forwards;
}

.text-animate-slide-right {
  opacity: 0;
  animation: slideInRight 0.8s ease-out forwards;
}

.text-animate-scale {
  opacity: 0;
  animation: scaleIn 0.6s ease-out forwards;
}

.text-animate-blur {
  opacity: 0;
  animation: blurIn 1.2s ease-out forwards;
}

/* Staggered Animation Delays */
.text-animate-delay-1 {
  animation-delay: 0.2s;
}

.text-animate-delay-2 {
  animation-delay: 0.4s;
}

.text-animate-delay-3 {
  animation-delay: 0.6s;
}

.text-animate-delay-4 {
  animation-delay: 0.8s;
}

.text-animate-delay-5 {
  animation-delay: 1s;
}

/* Auto-apply animations to common text elements */
body.loaded h1 {
  animation: fadeInText 1s ease-out forwards;
}

body.loaded h2 {
  animation: slideInLeft 0.8s ease-out 0.2s forwards;
  opacity: 0;
}

body.loaded h3 {
  animation: slideInRight 0.8s ease-out 0.4s forwards;
  opacity: 0;
}

body.loaded p {
  animation: fadeInText 0.6s ease-out 0.6s forwards;
  opacity: 0;
}

body.loaded .btn {
  animation: scaleIn 0.6s ease-out 0.8s forwards;
  opacity: 0;
}

/* Hero section specific animations */
body.loaded .hero h1 {
  animation: typewriter 2s steps(40, end), blink-caret 0.75s step-end infinite 2s;
  overflow: hidden;
  white-space: nowrap;
  border-right: 2px solid var(--color-accent);
}

body.loaded .hero .subtitle {
  animation: fadeInText 1s ease-out 2.5s forwards;
  opacity: 0;
}

body.loaded .hero .hero-buttons {
  animation: slideInLeft 0.8s ease-out 3s forwards;
  opacity: 0;
}

/* Responsive adjustments */
/* Responsive Styles */
@media (max-width: 1200px) {
  h1 {
    font-size: var(--font-size-5xl);
  }
  
  h2 {
    font-size: 2.25rem;
  }
  
  h3 {
    font-size: var(--font-size-3xl);
  }
}

@media (max-width: 992px) {
  .section {
    padding: 4rem 0;
  }
  
  h1 {
    font-size: 2.75rem;
  }
  
  h2 {
    font-size: var(--font-size-4xl);
  }
  
  /* Show mobile menu button and hide desktop nav */
  #mobile-menu-btn {
    display: block;
  }
  
  .desktop-nav > div {
    display: none;
  }
  
  .desktop-nav > a.btn {
    display: none;
  }
  
  /* Responsive Insurance Grid - Commented out to use flexbox horizontal scroll */
  /* .insurance-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  } */
  
  /* Responsive Why Choose Us Section */
  .why-choose-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  
  .why-choose-image {
    order: -1;
    margin-bottom: 1.5rem;
  }
}

@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  .hero-content {
    padding-top: 2rem;
  }
  
  .section {
    padding: 3rem 0;
  }
  
  h1 {
    font-size: 2.5rem;
  }
  
  h2 {
    font-size: 1.75rem;
  }
  
  h3 {
    font-size: 1.35rem;
  }
  
  p {
    font-size: 1rem;
  }
  
  /* Remove conflicting button styles */
  /* .btn {
    padding: 0.7rem 1.4rem;
    font-size: 0.9rem;
  } */
  
  /* About section responsive styles */
  .about-grid {
    display: flex;
    flex-direction: column;
  }
  
  .about-image {
    order: -1; /* Makes image appear first on mobile */
    margin-bottom: 2rem;
    max-width: 100%;
  }
  
  .about-content {
    padding: 0;
  }
  
  .image-background {
    width: 90%;
    height: 90%;
  }
}

@media (max-width: 576px) {
  .section {
    padding: 2.5rem 0;
  }
  
  h1 {
    font-size: var(--font-size-4xl);
  }
  
  h2 {
    font-size: var(--font-size-3xl);
  }
  
  h3 {
    font-size: var(--font-size-2xl);
  }
  
  /* Remove conflicting button styles */
  /* .btn {
    padding: 0.6rem 1.2rem;
    font-size: 0.85rem;
    width: 100%;
    margin-bottom: 0.5rem;
  } */
  
  /* .hero-buttons {
    flex-direction: column;
    width: 100%;
  } */
  
  .service-card {
    padding: 1.5rem;
  }
  
  .service-icon {
    font-size: var(--font-size-4xl);
  }
  
  .scroll-text {
    font-size: 0.75rem;
  }
  
  .scroll-icon {
    width: 36px;
    height: 36px;
  }
}

@media (max-width: 767px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
}

/* MEGAFUNDS Loader */
.loader {
  width: 50px;
  aspect-ratio: 1;
  border-radius: 50%;
  border: 8px solid #0000;
  border-right-color: #f5ab00; /* Harvest gold */
  position: relative;
  animation: l24 1s infinite linear;
}
.loader:before,
.loader:after {
  content: "";
  position: absolute;
  inset: -8px;
  border-radius: 50%;
  border: inherit;
  animation: inherit;
  animation-duration: 2s;
}
.loader:after {
  animation-duration: 4s;
  border-right-color: #1c448e; /* Marian blue */
}
@keyframes l24 {
  100% {transform: rotate(1turn)}
}

/* Loader Container */
.loader-container {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
  background-color: rgba(28, 68, 142, 0.9); /* Marian blue with 90% opacity */
  z-index: 9999;
  transition: opacity 0.5s, visibility 0.5s;
}

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

/* Back to Top Button */
.back-to-top {
  position: fixed;
  left: 30px;
  bottom: 30px;
  width: 50px;
  height: 50px;
  background: var(--color-accent);
  color: white;
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: 0 4px 20px rgba(245, 171, 0, 0.3);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 1000;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px) scale(0.8);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

.back-to-top:hover {
  transform: translateY(-5px) scale(1.1);
  box-shadow: 0 8px 30px rgba(245, 171, 0, 0.5);
  background: #e09900;
}

.back-to-top:active {
  transform: translateY(-2px) scale(1.05);
}

.back-to-top i {
  transition: transform 0.3s ease;
}

.back-to-top:hover i {
  transform: translateY(-2px);
}

/* Mobile adjustments */
@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
}

@media (max-width: 768px) {
  .back-to-top {
    left: 20px;
    bottom: 20px;
    width: 45px;
    height: 45px;
    font-size: 1rem;
  }
}

/* Mobile Responsive Insurance Carousel */
@media (max-width: 480px) {
  .insurance-grid {
    gap: 0.5rem;
    padding: 0 0.5rem;
  }
  
  .insurance-card {
    min-width: calc(100vw - 2rem);
    max-width: calc(100vw - 2rem);
    margin: 0 0.25rem;
    padding: 1.5rem;
  }
  
  .insurance-nav {
    margin-top: 1rem;
  }
  
  .insurance-nav-btn {
    width: 35px;
    height: 35px;
    font-size: 0.9rem;
  }
  
  .insurance-indicators {
    gap: 0.3rem;
  }
  
  .insurance-indicator {
    width: 8px;
    height: 8px;
  }
}

/* Services Section - Home Page Service Cards with Hover Overlay */
.services-showcase .service-showcase-card .service-overlay {
  opacity: 0;
  transition: opacity 0.3s ease;
}

.services-showcase .service-showcase-card:hover .service-overlay {
  opacity: 1;
}

.services-showcase .service-showcase-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.services-showcase .service-showcase-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 50px rgba(0,0,0,0.15);
}