/* ==========================================================================
   BISI AGENCY | A DIVISION OF CBM INSURANCE
   Modern Responsive Design System & Core Stylesheet
   Production-grade, Mobile-first, WCAG 2.1 AA Compliant
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS Custom Properties (Design Tokens)
   -------------------------------------------------------------------------- */
:root {
  /* Brand Colors */
  --color-primary: #00539f;          /* CBM Corporate Blue */
  --color-primary-dark: #003c73;     /* Deep Navy Blue */
  --color-primary-darker: #00274d;   /* Midnight Blue */
  --color-primary-light: #e6f0fa;    /* Subtle Ice Blue Tint */
  --color-primary-accent: #006adc;   /* Vivid Sky Blue */
  --color-accent-gold: #c99326;      /* Premium Heritage Gold */
  --color-accent-gold-light: #fef7ea;/* Soft Gold Tint */

  /* Neutral Tones */
  --color-neutral-900: #0f172a;     /* Deep Slate / Headings */
  --color-neutral-800: #1e293b;     /* Dark Slate Body */
  --color-neutral-700: #334155;     /* Slate Medium */
  --color-neutral-600: #475569;     /* Secondary Text */
  --color-neutral-500: #64748b;     /* Muted Text / Icons */
  --color-neutral-400: #94a3b8;     /* Borders / Dividers */
  --color-neutral-300: #cbd5e1;     /* Light Borders */
  --color-neutral-200: #e2e8f0;     /* Surface Dividers */
  --color-neutral-100: #f1f5f9;     /* Soft Backgrounds */
  --color-neutral-50:  #f8fafc;     /* Off-White Page Background */
  --color-white:       #ffffff;

  /* Semantic Feedback */
  --color-success: #059669;
  --color-success-bg: #ecfdf5;
  --color-info: #0284c7;
  --color-info-bg: #f0f9ff;
  --color-warning: #d97706;
  --color-error: #dc2626;

  /* Typography */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-display: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, Roboto, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Fluid Typography Clamps */
  --font-size-xs: clamp(0.75rem, 0.7rem + 0.25vw, 0.8125rem);
  --font-size-sm: clamp(0.8125rem, 0.77rem + 0.25vw, 0.875rem);
  --font-size-base: clamp(0.9375rem, 0.88rem + 0.3vw, 1.0625rem);
  --font-size-md: clamp(1.0625rem, 0.98rem + 0.4vw, 1.25rem);
  --font-size-lg: clamp(1.25rem, 1.1rem + 0.75vw, 1.5rem);
  --font-size-xl: clamp(1.5rem, 1.3rem + 1vw, 2rem);
  --font-size-2xl: clamp(1.875rem, 1.5rem + 1.6vw, 2.5rem);
  --font-size-3xl: clamp(2.25rem, 1.8rem + 2.2vw, 3.25rem);

  /* Spacing Scale */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Layout Containers */
  --container-max-width: 1240px;
  --container-narrow: 840px;
  --header-height: 76px;
  --header-height-mobile: 68px;

  /* Elevations & Shadows */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.08), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.03);
  --shadow-xl: 0 20px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.03);
  --shadow-inner: inset 0 2px 4px rgba(15, 23, 42, 0.06);

  /* Border Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-pill: 9999px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* --------------------------------------------------------------------------
   2. Modern Reset & Base Rules
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-sans);
  font-size: 100%;
  line-height: 1.6;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  color: var(--color-neutral-800);
  background-color: var(--color-neutral-50);
  /* Use overflow-x: clip so sticky headers are never disabled */
  overflow-x: clip;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  color: var(--color-neutral-800);
  background-color: var(--color-neutral-50);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: clip;
}

main {
  flex: 1 0 auto;
}

img, picture, svg, video {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

p, h1, h2, h3, h4, h5, h6 {
  overflow-wrap: break-word;
}

ul, ol {
  list-style: none;
}

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

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

/* Focus Visible Accessible Styling */
:focus-visible {
  outline: 3px solid var(--color-primary-accent);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

/* Skip Navigation Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: var(--space-4);
  background: var(--color-primary-darker);
  color: var(--color-white);
  padding: var(--space-3) var(--space-6);
  z-index: 9999;
  font-weight: 700;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  box-shadow: var(--shadow-lg);
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 0;
  outline: 3px solid var(--color-accent-gold);
}

/* --------------------------------------------------------------------------
   3. Layout Containers & Grid Helpers
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-inline: auto;
  padding-inline: var(--space-4);
}

@media (min-width: 768px) {
  .container {
    padding-inline: var(--space-6);
  }
}

@media (min-width: 1200px) {
  .container {
    padding-inline: var(--space-8);
  }
}

.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: var(--space-4);
}

.section-padding {
  padding-block: var(--space-12);
}

@media (min-width: 768px) {
  .section-padding {
    padding-block: var(--space-16);
  }
}

@media (min-width: 1024px) {
  .section-padding {
    padding-block: var(--space-20);
  }
}

/* --------------------------------------------------------------------------
   4. Typography Utilities
   -------------------------------------------------------------------------- */
.text-center { text-align: center; }
.text-start { text-align: start; }
.text-muted { color: var(--color-neutral-600); }
.text-white { color: var(--color-white); }
.text-primary { color: var(--color-primary); }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-3);
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  background-color: var(--color-primary-light);
  border: 1px solid rgba(0, 83, 159, 0.18);
  border-radius: var(--radius-pill);
  margin-bottom: var(--space-3);
}

.section-tag.tag-light {
  color: var(--color-accent-gold);
  background-color: rgba(201, 147, 38, 0.15);
  border-color: rgba(201, 147, 38, 0.3);
}

.section-title {
  font-size: var(--font-size-2xl);
  font-weight: 800;
  line-height: 1.25;
  color: var(--color-neutral-900);
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--font-size-md);
  color: var(--color-neutral-600);
  max-width: 720px;
  line-height: 1.6;
}

.section-header {
  margin-bottom: var(--space-10);
}

.section-header.text-center .section-subtitle {
  margin-inline: auto;
}

/* --------------------------------------------------------------------------
   5. Buttons & Interactive Controls
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  min-height: 48px;
  padding: var(--space-3) var(--space-6);
  font-size: var(--font-size-base);
  font-weight: 700;
  line-height: 1;
  border-radius: var(--radius-pill);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
  white-space: nowrap;
  text-decoration: none;
}

.btn-primary {
  background-color: var(--color-primary);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(0, 83, 159, 0.35);
}

.btn-primary:hover {
  background-color: var(--color-primary-dark);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 83, 159, 0.45);
}

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

/* The Exact White Pill Button from Original Legacy Branding */
.btn-legacy-pill {
  background-color: #ffffff;
  color: #00539f;
  border: 2px solid #ffffff;
  font-weight: 800;
  letter-spacing: 0.04em;
  padding: 0.85rem 2.2rem;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.btn-legacy-pill:hover {
  background-color: var(--color-primary-light);
  color: var(--color-primary-dark);
  border-color: var(--color-primary-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.4);
}

.btn-secondary {
  background-color: var(--color-neutral-100);
  color: var(--color-neutral-800);
  border: 1px solid var(--color-neutral-300);
}

.btn-secondary:hover {
  background-color: var(--color-neutral-200);
  color: var(--color-neutral-900);
  transform: translateY(-2px);
}

.btn-outline-white {
  background-color: transparent;
  color: var(--color-white);
  border: 2px solid rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(4px);
}

.btn-outline-white:hover {
  background-color: rgba(255, 255, 255, 0.15);
  color: var(--color-white);
  border-color: var(--color-white);
  transform: translateY(-2px);
}

.btn-sm {
  min-height: 40px;
  padding: var(--space-2) var(--space-4);
  font-size: var(--font-size-sm);
}

.btn-lg {
  min-height: 54px;
  padding: var(--space-4) var(--space-8);
  font-size: var(--font-size-md);
}

.btn svg {
  flex-shrink: 0;
  width: 1.15em;
  height: 1.15em;
  transition: transform var(--transition-fast);
}

.btn:hover svg {
  transform: translateX(3px);
}

[dir="rtl"] .btn:hover svg {
  transform: translateX(-3px);
}

/* --------------------------------------------------------------------------
   6. Sticky Header & Glassmorphic Navigation
   Header is a direct child of <body> with position: sticky; top: 0
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background-color: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.85);
  box-shadow: var(--shadow-sm);
  transition: background-color var(--transition-base), box-shadow var(--transition-base);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height-mobile);
}

@media (min-width: 1024px) {
  .header-inner {
    height: var(--header-height);
  }
}

/* Brand Logo Container */
.brand-logo-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.brand-logo-img {
  height: 38px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
  aspect-ratio: 670 / 221;
}

@media (min-width: 768px) {
  .brand-logo-img {
    height: 44px;
    max-width: 210px;
  }
}

.brand-badge {
  display: none;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--color-primary);
  background: var(--color-primary-light);
  padding: 2px 8px;
  border-radius: var(--radius-sm);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border: 1px solid rgba(0, 83, 159, 0.15);
}

@media (min-width: 1200px) {
  .brand-badge {
    display: inline-block;
  }
}

/* Desktop Navigation */
.desktop-nav {
  display: none;
  align-items: center;
  gap: var(--space-6);
}

@media (min-width: 960px) {
  .desktop-nav {
    display: flex;
  }
}

.nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: var(--space-2) var(--space-3);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-neutral-700);
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast), background-color var(--transition-fast);
}

.nav-link:hover {
  color: var(--color-primary);
  background-color: var(--color-neutral-100);
}

.nav-link.active {
  color: var(--color-primary);
  font-weight: 700;
}

.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: 6px;
  inset-inline-start: var(--space-3);
  inset-inline-end: var(--space-3);
  height: 2px;
  background-color: var(--color-primary);
  border-radius: var(--radius-pill);
}

/* Header CTAs */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.header-cta {
  display: none;
}

@media (min-width: 640px) {
  .header-cta {
    display: inline-flex;
  }
}

/* Mobile Hamburger Button */
.mobile-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: transparent;
  border: 1px solid var(--color-neutral-300);
  border-radius: var(--radius-md);
  color: var(--color-neutral-800);
  cursor: pointer;
  transition: background-color var(--transition-fast), border-color var(--transition-fast);
}

.mobile-menu-toggle:hover {
  background-color: var(--color-neutral-100);
  border-color: var(--color-neutral-400);
}

@media (min-width: 960px) {
  .mobile-menu-toggle {
    display: none;
  }
}

.hamburger-icon {
  width: 24px;
  height: 24px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
}

.hamburger-line {
  width: 100%;
  height: 2px;
  background-color: currentColor;
  border-radius: 2px;
  transition: transform var(--transition-base), opacity var(--transition-fast);
}

/* Open Hamburger Animation */
.mobile-menu-toggle[aria-expanded="true"] .line-1 {
  transform: translateY(7px) rotate(45deg);
}

.mobile-menu-toggle[aria-expanded="true"] .line-2 {
  opacity: 0;
}

.mobile-menu-toggle[aria-expanded="true"] .line-3 {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Drawer Overlay & Panel */
.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  z-index: 1050;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}

.mobile-drawer-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  inset-inline-end: 0;
  bottom: 0;
  width: 100%;
  max-width: 340px;
  background-color: var(--color-white);
  z-index: 1100;
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-xl);
  transform: translateX(100%);
  transition: transform var(--transition-smooth);
  overflow-y: auto;
}

[dir="rtl"] .mobile-drawer {
  transform: translateX(-100%);
}

.mobile-drawer.is-active {
  transform: translateX(0);
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--color-neutral-200);
}

.mobile-drawer-close {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: transparent;
  border: none;
  color: var(--color-neutral-700);
  cursor: pointer;
  border-radius: var(--radius-sm);
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-block: var(--space-6);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  min-height: 48px;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-md);
  font-weight: 600;
  color: var(--color-neutral-800);
  border-radius: var(--radius-md);
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background-color: var(--color-primary-light);
  color: var(--color-primary);
  font-weight: 700;
}

.mobile-drawer-footer {
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-neutral-200);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

/* --------------------------------------------------------------------------
   7. Hero Transition Section (High Impact Brand Integration)
   -------------------------------------------------------------------------- */
.hero-transition {
  position: relative;
  background-color: #1e2832;
  color: var(--color-white);
  padding-block: var(--space-16) var(--space-20);
  overflow: hidden;
}

@media (min-width: 768px) {
  .hero-transition {
    padding-block: var(--space-20) var(--space-24);
  }
}

/* Hero Background Layer using original scraped background */
.hero-bg-layer {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  background-image: url('./images/8e00175ad613884cda57036cae1125f5.png');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0.35;
  filter: brightness(0.85);
}

/* Gradient Mask for Optimal Text Contrast */
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 2;
  background: radial-gradient(circle at center 30%, rgba(15, 23, 42, 0.72) 0%, rgba(10, 18, 28, 0.94) 85%);
}

.hero-container {
  position: relative;
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 920px;
  margin-inline: auto;
}

/* Hero Brand Logo Container */
.hero-logo-wrapper {
  margin-bottom: var(--space-8);
  max-width: 480px;
  width: 100%;
  display: flex;
  justify-content: center;
}

.hero-brand-logo {
  width: 100%;
  max-width: 420px;
  height: auto;
  aspect-ratio: 670 / 221;
  object-fit: contain;
  filter: drop-shadow(0 8px 24px rgba(0, 0, 0, 0.45));
  animation: heroLogoFade 0.8s ease-out;
}

@keyframes heroLogoFade {
  from {
    opacity: 0;
    transform: translateY(12px) scale(0.97);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

/* Primary Announcement Heading (Original Verbatim Content) */
.hero-headline {
  font-size: var(--font-size-3xl);
  font-weight: 800;
  line-height: 1.2;
  color: #ffffff;
  margin-bottom: var(--space-6);
  letter-spacing: -0.015em;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.5);
}

/* Service Continuity Statement (Original Verbatim Content) */
.hero-statement {
  font-size: var(--font-size-lg);
  font-weight: 600;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: var(--space-10);
  max-width: 760px;
  text-shadow: 0 1px 6px rgba(0, 0, 0, 0.4);
}

/* Hero Actions */
.hero-actions-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  width: 100%;
  max-width: 540px;
  justify-content: center;
}

@media (min-width: 640px) {
  .hero-actions-group {
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center;
  }
}

/* --------------------------------------------------------------------------
   8. Trust Highlights Ribbon
   -------------------------------------------------------------------------- */
.trust-ribbon {
  position: relative;
  z-index: 10;
  margin-top: -2.5rem;
}

.trust-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-8);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-neutral-200);
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 640px) {
  .trust-card {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .trust-card {
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-8);
  }
}

.trust-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
}

.trust-icon-box {
  width: 48px;
  height: 48px;
  flex-shrink: 0;
  border-radius: var(--radius-md);
  background-color: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-icon-box svg {
  width: 24px;
  height: 24px;
}

.trust-title {
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--color-neutral-900);
  line-height: 1.3;
  margin-bottom: var(--space-1);
}

.trust-desc {
  font-size: var(--font-size-xs);
  color: var(--color-neutral-600);
  line-height: 1.4;
}

/* --------------------------------------------------------------------------
   9. Transition Pillars Section
   -------------------------------------------------------------------------- */
.pillars-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .pillars-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-8);
  }
}

.pillar-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  border: 1px solid var(--color-neutral-200);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(0, 83, 159, 0.25);
}

.pillar-badge-num {
  font-size: var(--font-size-xs);
  font-weight: 800;
  color: var(--color-primary);
  background: var(--color-primary-light);
  width: 32px;
  height: 32px;
  border-radius: var(--radius-pill);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}

.pillar-title {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--color-neutral-900);
  margin-bottom: var(--space-3);
  line-height: 1.3;
}

.pillar-text {
  font-size: var(--font-size-base);
  color: var(--color-neutral-600);
  line-height: 1.6;
  margin-bottom: var(--space-4);
  flex-grow: 1;
}

.pillar-feature-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-top: auto;
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-neutral-200);
}

.pillar-feature-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  color: var(--color-neutral-700);
  font-weight: 500;
}

.pillar-feature-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-success);
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   10. Services & Coverage Overview Cards
   -------------------------------------------------------------------------- */
.services-overview-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 768px) {
  .services-overview-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-overview-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  border: 1px solid var(--color-neutral-200);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--color-neutral-300);
  transition: background-color var(--transition-fast);
}

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

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

.service-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--color-neutral-100);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.service-card:hover .service-icon-box {
  background: var(--color-primary);
  color: var(--color-white);
}

.service-icon-box svg {
  width: 22px;
  height: 22px;
}

.service-card-title {
  font-size: var(--font-size-md);
  font-weight: 700;
  color: var(--color-neutral-900);
  margin-bottom: var(--space-2);
}

.service-card-desc {
  font-size: var(--font-size-sm);
  color: var(--color-neutral-600);
  line-height: 1.5;
  margin-bottom: var(--space-4);
  flex-grow: 1;
}

.service-tags {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
}

.service-tag {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: var(--radius-sm);
  background: var(--color-neutral-100);
  color: var(--color-neutral-700);
}

.service-card-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-primary);
  margin-top: auto;
}

.service-card-link svg {
  width: 16px;
  height: 16px;
  transition: transform var(--transition-fast);
}

.service-card-link:hover svg {
  transform: translateX(4px);
}

/* --------------------------------------------------------------------------
   11. Interactive Policyholder FAQ (Accordion)
   -------------------------------------------------------------------------- */
.faq-section {
  background-color: var(--color-white);
  border-top: 1px solid var(--color-neutral-200);
  border-bottom: 1px solid var(--color-neutral-200);
}

.faq-container {
  max-width: 860px;
  margin-inline: auto;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.faq-item {
  border: 1px solid var(--color-neutral-200);
  border-radius: var(--radius-md);
  background-color: var(--color-neutral-50);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--color-neutral-300);
}

.faq-item.is-open {
  border-color: var(--color-primary-accent);
  background-color: var(--color-white);
  box-shadow: var(--shadow-sm);
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-4) var(--space-6);
  min-height: 56px;
  background: transparent;
  border: none;
  text-align: start;
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--color-neutral-900);
  cursor: pointer;
  transition: color var(--transition-fast);
}

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

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  color: var(--color-neutral-500);
  transition: transform var(--transition-base), color var(--transition-fast);
}

.faq-item.is-open .faq-icon {
  transform: rotate(180deg);
  color: var(--color-primary);
}

.faq-panel {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows var(--transition-smooth);
}

.faq-item.is-open .faq-panel {
  grid-template-rows: 1fr;
}

.faq-panel-content {
  overflow: hidden;
}

.faq-body {
  padding: 0 var(--space-6) var(--space-6) var(--space-6);
  font-size: var(--font-size-base);
  color: var(--color-neutral-700);
  line-height: 1.6;
}

.faq-body p + p {
  margin-top: var(--space-3);
}

/* --------------------------------------------------------------------------
   12. Direct Corporate Routing & Helpdesk Banner
   -------------------------------------------------------------------------- */
.routing-banner {
  background: linear-gradient(135deg, #0f2b48 0%, #00539f 100%);
  color: var(--color-white);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-6);
  box-shadow: var(--shadow-xl);
  margin-top: var(--space-12);
}

@media (min-width: 768px) {
  .routing-banner {
    padding: var(--space-12) var(--space-10);
  }
}

.routing-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  align-items: center;
}

@media (min-width: 960px) {
  .routing-grid {
    grid-template-columns: 1.2fr 0.8fr;
  }
}

.routing-title {
  font-size: var(--font-size-xl);
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: var(--space-3);
  color: #ffffff;
}

.routing-subtitle {
  font-size: var(--font-size-base);
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.5;
  margin-bottom: var(--space-6);
}

.routing-meta-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.routing-meta-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.95);
}

.routing-meta-item svg {
  width: 20px;
  height: 20px;
  color: var(--color-accent-gold);
  flex-shrink: 0;
}

.routing-actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

@media (min-width: 480px) {
  .routing-actions {
    flex-direction: row;
    flex-wrap: wrap;
  }
}

/* --------------------------------------------------------------------------
   13. Subpage Specific Components (About, Services, Contact)
   -------------------------------------------------------------------------- */
/* Page Hero Banner */
.page-hero {
  background-color: var(--color-neutral-900);
  color: var(--color-white);
  padding-block: var(--space-12) var(--space-16);
  position: relative;
  overflow: hidden;
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('./images/8e00175ad613884cda57036cae1125f5.png');
  background-size: cover;
  background-position: center;
  opacity: 0.2;
}

.page-hero-content {
  position: relative;
  z-index: 2;
  max-width: 780px;
}

.page-hero-title {
  font-size: var(--font-size-3xl);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: var(--space-4);
  color: #ffffff;
}

.page-hero-lead {
  font-size: var(--font-size-lg);
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.5;
}

/* Breadcrumbs */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-xs);
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: var(--space-4);
}

.breadcrumbs a {
  color: rgba(255, 255, 255, 0.85);
}

.breadcrumbs a:hover {
  color: var(--color-white);
  text-decoration: underline;
}

.breadcrumbs-sep {
  color: rgba(255, 255, 255, 0.5);
}

/* Tabular Matrix for Services */
.table-responsive-wrapper {
  width: 100%;
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-neutral-200);
  box-shadow: var(--shadow-sm);
  background: var(--color-white);
  margin-top: var(--space-8);
}

.matrix-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
  font-size: var(--font-size-sm);
}

.matrix-table th {
  background-color: var(--color-neutral-100);
  color: var(--color-neutral-900);
  font-weight: 700;
  padding: var(--space-4) var(--space-5);
  border-bottom: 2px solid var(--color-neutral-200);
  white-space: nowrap;
}

.matrix-table td {
  padding: var(--space-4) var(--space-5);
  border-bottom: 1px solid var(--color-neutral-200);
  color: var(--color-neutral-700);
}

.matrix-table tr:last-child td {
  border-bottom: none;
}

.matrix-table tr:hover td {
  background-color: var(--color-neutral-50);
}

/* Contact Grid & Form */
.contact-layout-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
}

@media (min-width: 960px) {
  .contact-layout-grid {
    grid-template-columns: 1fr 1.2fr;
    gap: var(--space-12);
  }
}

.contact-info-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  border: 1px solid var(--color-neutral-200);
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.contact-detail-row {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
}

.contact-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon-box svg {
  width: 22px;
  height: 22px;
}

.contact-detail-label {
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-neutral-500);
  margin-bottom: 2px;
}

.contact-detail-val {
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--color-neutral-900);
  line-height: 1.4;
}

.contact-form-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  border: 1px solid var(--color-neutral-200);
  box-shadow: var(--shadow-md);
}

.form-group {
  margin-bottom: var(--space-5);
}

.form-label {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-neutral-900);
  margin-bottom: var(--space-2);
}

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

.form-control {
  width: 100%;
  min-height: 48px;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-base);
  color: var(--color-neutral-800);
  background-color: var(--color-neutral-50);
  border: 1px solid var(--color-neutral-300);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast), background-color var(--transition-fast);
}

.form-control:hover {
  border-color: var(--color-neutral-400);
}

.form-control:focus {
  background-color: var(--color-white);
  border-color: var(--color-primary);
  box-shadow: 0 0 0 4px var(--color-primary-light);
  outline: none;
}

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

.form-status-alert {
  padding: var(--space-4);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-6);
  font-size: var(--font-size-sm);
  display: none;
}

.form-status-alert.alert-success {
  background-color: var(--color-success-bg);
  color: var(--color-success);
  border: 1px solid rgba(5, 150, 105, 0.3);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

/* --------------------------------------------------------------------------
   14. Accessible Modal Dialog
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(6px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-4);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}

.modal-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.modal-dialog {
  background-color: var(--color-white);
  border-radius: var(--radius-xl);
  width: 100%;
  max-width: 580px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-neutral-200);
  transform: scale(0.95);
  transition: transform var(--transition-smooth);
}

.modal-overlay.is-active .modal-dialog {
  transform: scale(1);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-6) var(--space-8);
  border-bottom: 1px solid var(--color-neutral-200);
}

.modal-title {
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: var(--color-neutral-900);
}

.modal-close-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: none;
  color: var(--color-neutral-500);
  cursor: pointer;
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast), background-color var(--transition-fast);
}

.modal-close-btn:hover {
  color: var(--color-neutral-900);
  background-color: var(--color-neutral-100);
}

.modal-body {
  padding: var(--space-6) var(--space-8);
}

/* --------------------------------------------------------------------------
   15. Comprehensive Multi-Column Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-neutral-900);
  color: var(--color-neutral-400);
  border-top: 1px solid var(--color-neutral-800);
  padding-top: var(--space-16);
  padding-bottom: var(--space-10);
  font-size: var(--font-size-sm);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}

@media (min-width: 640px) {
  .footer-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-top-grid {
    grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
    gap: var(--space-8);
  }
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.footer-logo {
  height: 42px;
  width: auto;
  max-width: 220px;
  aspect-ratio: 670 / 221;
  object-fit: contain;
  filter: brightness(1.2);
}

.footer-mission {
  color: var(--color-neutral-400);
  line-height: 1.6;
  max-width: 340px;
}

.footer-col-title {
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: var(--space-4);
  letter-spacing: -0.01em;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-link {
  color: var(--color-neutral-400);
  transition: color var(--transition-fast), transform var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

.footer-link:hover {
  color: var(--color-white);
  transform: translateX(2px);
}

[dir="rtl"] .footer-link:hover {
  transform: translateX(-2px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-bottom: var(--space-3);
  line-height: 1.5;
}

.footer-contact-item svg {
  width: 18px;
  height: 18px;
  color: var(--color-primary-accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-contact-item a {
  color: var(--color-neutral-300);
}

.footer-contact-item a:hover {
  color: var(--color-white);
}

/* Legal & Compliance Notice */
.footer-disclaimer-box {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-6);
  font-size: var(--font-size-xs);
  color: var(--color-neutral-500);
  line-height: 1.6;
  margin-bottom: var(--space-8);
}

/* Footer Bottom Bar */
.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  align-items: center;
  justify-content: space-between;
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: var(--font-size-xs);
  color: var(--color-neutral-500);
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
  }
}

.footer-bottom-links {
  display: flex;
  gap: var(--space-6);
}

.footer-bottom-links a {
  color: var(--color-neutral-500);
}

.footer-bottom-links a:hover {
  color: var(--color-neutral-300);
}

/* --------------------------------------------------------------------------
   16. Back to Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: var(--space-6);
  inset-inline-end: var(--space-6);
  width: 50px;
  height: 50px;
  border-radius: var(--radius-pill);
  background-color: var(--color-primary);
  color: var(--color-white);
  border: 2px solid rgba(255, 255, 255, 0.2);
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  z-index: 900;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity var(--transition-base), visibility var(--transition-base), transform var(--transition-base), background-color var(--transition-fast);
}

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

.back-to-top:hover {
  background-color: var(--color-primary-dark);
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0, 83, 159, 0.4);
}

.back-to-top svg {
  width: 22px;
  height: 22px;
}

/* --------------------------------------------------------------------------
   17. Accessibility & Reduced Motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}