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

:root {
  --navy: #0b2545;
  --navy-mid: #134074;
  --blue: #1a6fb5;
  --accent: #e63946;
  --accent-light: #ff6b6b;
  --gold: #f4a261;
  --white: #ffffff;
  --off-white: #f8f9fc;
  --gray-light: #eef1f7;
  --gray: #8892a0;
  --text: #1c2a3a;
  --font: "DM Sans", sans-serif;
  --radius: 16px;
  --radius-lg: 28px;
  --shadow: 0 4px 24px rgba(11, 37, 69, 0.1);
  --shadow-lg: 0 12px 48px rgba(11, 37, 69, 0.16);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

a {
  text-decoration: none;
  color: inherit;
}

/* ─── HEADER ─── */
header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: var(--navy);
  padding: 0 5%;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.25);
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo-icon i {
  color: #fff;
  font-size: 20px;
}
.logo-text {
  color: #fff;
  font-weight: 800;
  font-size: 1.2rem;
  letter-spacing: -0.3px;
}
.logo-text span {
  color: var(--gold);
}

.header-right {
  display: flex;
  align-items: center;
  gap: 20px;
}
.header-tag {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.85rem;
  font-weight: 500;
}

.cta-header {
  background: var(--accent);
  color: #fff;
  padding: 10px 22px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.9rem;
  transition: all 0.25s;
  display: flex;
  align-items: center;
  gap: 8px;
}
.cta-header:hover {
  background: var(--accent-light);
  transform: translateY(-1px);
}

/* ─── HERO ─── */
.hero {
  padding-top: 60px;
  background: linear-gradient(
    135deg,
    var(--navy) 0%,
    var(--navy-mid) 60%,
    #1d5ea8 100%
  );
  position: relative;
  overflow: hidden;
  /* min-height: 100vh; */
  display: flex;
  align-items: center;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 60% 60% at 80% 30%,
      rgba(26, 111, 181, 0.35) 0%,
      transparent 60%
    ),
    radial-gradient(
      ellipse 40% 40% at 20% 80%,
      rgba(230, 57, 70, 0.15) 0%,
      transparent 60%
    );
}

.hero-grid-pattern {
  position: absolute;
  inset: 0;
  opacity: 0.04;
  background-image:
    linear-gradient(var(--white) 1px, transparent 1px),
    linear-gradient(90deg, var(--white) 1px, transparent 1px);
  background-size: 48px 48px;
}

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 1300px;
  margin: 0 auto;
  padding: 40px 5% 20px;
  display: grid;
  /* grid-template-columns: 1.5fr 1fr; */
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: var(--gold);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
  text-transform: uppercase;
}
.hero-badge i {
  font-size: 0.75rem;
}

.hero-title {
  color: #fff;
  font-size: clamp(2rem, 4vw, 3.4rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -1px;
  margin-bottom: 22px;
}
.hero-title .highlight {
  color: var(--gold);
}

.hero-desc {
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 36px;
  font-weight: 400;
}

.hero-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  padding: 16px 32px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 1rem;
  transition: all 0.25s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 20px rgba(230, 57, 70, 0.35);
}
.btn-primary:hover {
  background: #c62833;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(230, 57, 70, 0.4);
}

.btn-outline {
  border: 2px solid rgba(255, 255, 255, 0.35);
  color: #fff;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  transition: all 0.25s;
}
.btn-outline:hover {
  border-color: #fff;
  background: rgba(255, 255, 255, 0.08);
}

.hero-stats {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.hero-stat {
  display: flex;
  flex-direction: column;
}
.hero-stat strong {
  color: #fff;
  font-size: 1.6rem;
  font-weight: 800;
}
.hero-stat span {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.8rem;
  font-weight: 500;
}

/* Hero right card */
.hero-card {
   position: relative;
  background: url(../images/family-banner.webp) no-repeat center/cover;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-lg);
  padding: 36px;
  overflow: hidden; /* important */
}

.hero-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(10, 20, 40, 0.65); /* dark overlay */
  z-index: 0;
}

/* Keep content above overlay */
.hero-card * {
  position: relative;
  z-index: 1;
}

.hero-card h3 {
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 24px;
}

.coverage-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}
.coverage-item {
  background: rgba(255, 255, 255, 0.272);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 12px;
  padding: 16px 14px;
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  transition: all 0.2s;
  color: rgba(255, 255, 255, 0.9);
  font-weight: 600;
  font-size: 0.9rem;
}
.coverage-item:hover {
  background: rgba(189, 189, 189, 0.745);
  border-color: var(--gold);
  transform: translateY(-2px);
}
.coverage-item i {
  color: var(--gold);
  font-size: 1.1rem;
  width: 20px;
}

.quote-btn {
  width: 100%;
  background: var(--accent);
  color: #fff;
  padding: 16px;
  border-radius: 12px;
  font-weight: 700;
  font-size: 1rem;
  text-align: center;
  transition: all 0.25s;
  display: block;
  box-shadow: 0 4px 16px rgba(230, 57, 70, 0.35);
}
.quote-btn:hover {
  background: #c62833;
  transform: translateY(-1px);
}

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-light);
  padding: 20px 5%;
}
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-item i {
  color: var(--blue);
  font-size: 1.1rem;
}

/* ─── SECTIONS COMMON ─── */
section {
  padding: 40px 5%;
}
.section-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--accent);
  font-weight: 700;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 12px;
}
.section-label::before {
  content: "";
  width: 24px;
  height: 2px;
  background: var(--accent);
}
.section-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}
.section-desc {
  color: var(--gray);
  font-size: 1.05rem;
  line-height: 1.7;
  max-width: 620px;
}

/* ─── FEATURES ─── */
.features-section {
  background: var(--white);
}
.features-header {
  margin-bottom: 52px;
}
.features-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}
.feature-card::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--accent));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}
.feature-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.feature-card:hover::after {
  transform: scaleX(1);
}
.fc-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.fc-icon i {
  color: #fff;
  font-size: 1.3rem;
}
.feature-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.feature-card p {
  color: var(--gray);
  font-size: 0.93rem;
  line-height: 1.65;
  margin-bottom: 18px;
}
.fc-link {
  color: var(--blue);
  font-weight: 600;
  font-size: 0.88rem;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s;
}
.fc-link:hover {
  gap: 10px;
}

/* ─── COVERAGE TYPES ─── */
.coverage-section {
  background: var(--navy);
  padding: 80px 5%;
}
.coverage-section .section-title {
  color: #fff;
}
.coverage-section .section-desc {
  color: rgba(255, 255, 255, 0.6);
}
.coverage-section .section-label {
  color: var(--gold);
}
.coverage-section .section-label::before {
  background: var(--gold);
}
.coverage-grid-main {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 50px;
}
.coverage-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  padding: 32px 24px;
  transition: all 0.3s;
  text-align: center;
}
.coverage-card:hover {
  background: rgba(255, 255, 255, 0.11);
  transform: translateY(-5px);
  border-color: var(--gold);
}
.cc-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: rgba(244, 162, 97, 0.15);
  border: 1px solid rgba(244, 162, 97, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.cc-icon i {
  color: var(--gold);
  font-size: 1.6rem;
}
.coverage-card h3 {
  color: #fff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.coverage-card p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.88rem;
  line-height: 1.6;
  margin-bottom: 18px;
}
.cc-cta {
  color: var(--gold);
  font-weight: 600;
  font-size: 0.85rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s;
}
.cc-cta:hover {
  gap: 10px;
}

/* ─── HOW IT WORKS ─── */
.steps-section {
  background: var(--off-white);
}
.steps-wrap {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 52px;
  position: relative;
}
.steps-wrap::before {
  content: "";
  position: absolute;
  top: 38px;
  left: 16%;
  right: 16%;
  height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--accent));
  z-index: 0;
}
.step-box {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 22px;
  font-size: 1.3rem;
  font-weight: 800;
  color: #fff;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 2px var(--blue);
}
.step-box h3 {
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.step-box p {
  color: var(--gray);
  font-size: 0.92rem;
  line-height: 1.65;
}

/* ─── WHY CHOOSE ─── */
.benefits-section {
  background: var(--white);
}
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  margin-top: 0;
}
.benefits-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  position: relative;
  overflow: hidden;
}
.benefits-visual::before {
  content: "";
  position: absolute;
  top: -30%;
  right: -10%;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: rgba(26, 111, 181, 0.3);
}
.benefits-visual-title {
  color: #fff;
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 8px;
  position: relative;
  z-index: 1;
}
.benefits-visual-sub {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9rem;
  margin-bottom: 36px;
  position: relative;
  z-index: 1;
}
.benefits-stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  position: relative;
  z-index: 1;
}
.b-stat {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 12px;
  padding: 20px;
}
.b-stat strong {
  color: var(--gold);
  font-size: 2rem;
  font-weight: 800;
  display: block;
}
.b-stat span {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.82rem;
}

.benefits-list-wrap {
  padding: 10px 0;
}
.benefits-list-wrap .section-title {
  margin-bottom: 8px;
}
.benefits-list-wrap .section-desc {
  margin-bottom: 32px;
}

.benefit-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-light);
}
.benefit-row:last-child {
  border-bottom: none;
}
.benefit-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(26, 111, 181, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.benefit-icon i {
  color: var(--blue);
  font-size: 1rem;
}
.benefit-text h4 {
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}
.benefit-text p {
  font-size: 0.88rem;
  color: var(--gray);
  line-height: 1.5;
}

/* ─── FAQ ─── */
.faq-section {
  background: var(--off-white);
}
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 52px;
}
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 24px;
  border: 1px solid var(--gray-light);
  cursor: pointer;
  transition: all 0.25s;
}
.faq-item:hover {
  box-shadow: var(--shadow);
  border-color: var(--blue);
}
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
}
.faq-q h3 {
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.4;
}
.faq-q i {
  color: var(--blue);
  font-size: 0.9rem;
  flex-shrink: 0;
  margin-top: 2px;
  transition: transform 0.2s;
}
.faq-item.open .faq-q i {
  transform: rotate(180deg);
}
.faq-a {
  font-size: 0.9rem;
  color: var(--gray);
  line-height: 1.65;
  margin-top: 14px;
  display: none;
}
.faq-item.open .faq-a {
  display: block;
}

/* ─── REVIEWS ─── */
.reviews-section {
  background: var(--white);
}
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 52px;
}
.review-card {
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 28px 24px;
  position: relative;
  transition: all 0.25s;
}
.review-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.review-card::before {
  content: '"';
  position: absolute;
  top: 16px;
  right: 20px;
  font-size: 4rem;
  color: var(--blue);
  opacity: 0.12;
  font-weight: 800;
  line-height: 1;
}
.review-stars {
  color: #fbbf24;
  font-size: 0.85rem;
  margin-bottom: 14px;
}
.review-text {
  font-size: 0.93rem;
  color: #4a5568;
  line-height: 1.7;
  margin-bottom: 18px;
}
.reviewer {
  display: flex;
  align-items: center;
  gap: 10px;
}
.reviewer-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: #fff;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.reviewer-info strong {
  font-size: 0.88rem;
  color: var(--navy);
  display: block;
}
.reviewer-info span {
  font-size: 0.8rem;
  color: var(--gray);
}

/* ─── CTA BANNER ─── */
.cta-banner {
  background: linear-gradient(
    135deg,
    var(--navy) 0%,
    var(--navy-mid) 50%,
    #1d5ea8 100%
  );
  padding: 80px 5%;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    ellipse 70% 70% at 50% 50%,
    rgba(26, 111, 181, 0.3) 0%,
    transparent 70%
  );
}
.cta-banner-inner {
  position: relative;
  z-index: 1;
  max-width: 680px;
  margin: 0 auto;
}
.cta-banner h2 {
  color: #fff;
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}
.cta-banner p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.05rem;
  margin-bottom: 36px;
  line-height: 1.65;
}
.cta-banner-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.btn-white {
  background: #fff;
  color: var(--navy);
  padding: 16px 32px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 1rem;
  transition: all 0.25s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-white:hover {
  background: var(--gray-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

/* ─── FOOTER ─── */
footer {
  background: #070f1c;
  color: rgba(255, 255, 255, 0.826);
  padding: 48px 5% 32px;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.footer-brand .logo-text {
  font-size: 1.3rem;
  display: block;
  margin-bottom: 10px;
}
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.65;
  max-width: 300px;
}
.footer-links {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.55);
  transition: color 0.2s;
}
.footer-links a:hover {
  color: var(--gold);
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.disclaimer-text {
  font-size: 0.78rem;
  line-height: 1.6;
  opacity: 0.55;
  max-width: 800px;
}


/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
  .features-cards {
    grid-template-columns: repeat(2, 1fr);
  }
  .coverage-grid-main {
    grid-template-columns: repeat(2, 1fr);
  }
  .reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .faq-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  section {
    padding: 60px 5%;
  }
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 60px 5% 50px;
  }
  .features-cards {
    grid-template-columns: 1fr;
  }
  .coverage-grid-main {
    grid-template-columns: repeat(2, 1fr);
  }
  .steps-wrap {
    grid-template-columns: 1fr;
  }
  .steps-wrap::before {
    display: none;
  }
  .benefits-grid {
    grid-template-columns: 1fr;
  }
  .benefits-visual {
    order: 2;
  }
  .benefits-list-wrap {
    order: 1;
  }
  .reviews-grid {
    grid-template-columns: 1fr;
  }
  .faq-grid {
    grid-template-columns: 1fr;
  }
  .trust-bar-inner {
    justify-content: center;
    gap: 16px;
  }
  .header-tag {
    display: none;
  }
  .hero-stats {
    gap: 20px;
  }
  .footer-top {
    flex-direction: column;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
  .header-right {
    display: none;
  }
}

@media (max-width: 480px) {
.coverage-grid {
    grid-template-columns: 1fr;
  }
  .coverage-grid-main {
    grid-template-columns: 1fr;
  }
  .benefits-stat-row {
    grid-template-columns: 1fr;
  }
  .cta-banner-btns {
    flex-direction: column;
    align-items: center;
  }
  .hero-btns {
    flex-direction: column;
  }
  .hero-btns a {
    text-align: center;
    justify-content: center;
  }
}

/* ─── ABOUT SECTION ─── */
.about-section {
  background: var(--white);
  padding: 90px 5%;
}
.about-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.about-visual {
  position: relative;
}
.about-img-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  position: relative;
  overflow: hidden;
}
.about-img-card::before {
  content: "";
  position: absolute;
  bottom: -40px;
  right: -40px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(26, 111, 181, 0.25);
}
.about-img-card::after {
  content: "";
  position: absolute;
  top: -30px;
  left: -30px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: rgba(230, 57, 70, 0.12);
}
.about-big-icon {
  width: 80px;
  height: 80px;
  border-radius: 20px;
  background: rgba(244, 162, 97, 0.2);
  border: 2px solid rgba(244, 162, 97, 0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 28px;
  position: relative;
  z-index: 1;
}
.about-big-icon i {
  color: var(--gold);
  font-size: 2rem;
}
.about-card-title {
  color: #fff;
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
  line-height: 1.2;
}
.about-card-sub {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.95rem;
  line-height: 1.65;
  position: relative;
  z-index: 1;
  margin-bottom: 32px;
}
.about-pill-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.about-pill {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.85);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
}
.about-float-badge {
  position: absolute;
  top: -40px;
  right: -20px;
  background: var(--white);
  border-radius: 12px;
  padding: 14px 20px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
}
.afb-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(230, 57, 70, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
}
.afb-icon i {
  color: var(--accent);
  font-size: 1.1rem;
}
.afb-text strong {
  display: block;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
}
.afb-text span {
  font-size: 0.78rem;
  color: var(--gray);
}

.about-content {
  padding: 10px 0;
}
.about-content .section-label {
  margin-bottom: 14px;
}
.about-content .section-title {
  margin-bottom: 18px;
}
.about-body {
  color: #4a5568;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 16px;
}
.about-highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 28px 0 36px;
}
.ah-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--off-white);
  border-radius: 10px;
  padding: 14px;
}
.ah-item i {
  color: var(--blue);
  font-size: 1rem;
  margin-top: 2px;
  flex-shrink: 0;
}
.ah-item span {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.4;
}
.about-cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.btn-navy {
  background: var(--navy);
  color: #fff;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s;
}
.btn-navy:hover {
  background: var(--navy-mid);
  transform: translateY(-2px);
}
.btn-ghost {
  border: 2px solid var(--gray-light);
  color: var(--navy);
  padding: 12px 24px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s;
}
.btn-ghost:hover {
  border-color: var(--navy);
}

/* ─── HOW IT WORKS (enhanced) ─── */
.how-section {
  background: linear-gradient(
    135deg,
    var(--navy) 0%,
    var(--navy-mid) 60%,
    #1d5ea8 100%
  );
  padding: 90px 5%;
}
.how-section .section-title {
  color: #fff;
}
.how-section .section-desc {
  color: rgba(255, 255, 255, 0.6);
}
.how-section .section-label {
  color: var(--gold);
}
.how-section .section-label::before {
  background: var(--gold);
}
.how-header {
  margin-bottom: 60px;
}
.how-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}

.how-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  padding: 36px 28px;
  position: relative;
  z-index: 1;
  transition: all 0.3s;
}
.how-card:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-6px);
  border-color: rgba(244, 162, 97, 0.4);
}
.how-num {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), #e8934a);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 24px;
  border: 4px solid var(--navy);
  box-shadow: 0 0 0 2px var(--gold);
}
.how-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.how-card-icon i {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.1rem;
}
.how-card h3 {
  color: #fff;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 12px;
}
.how-card p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9rem;
  line-height: 1.7;
}
.how-card .how-tag {
  display: inline-block;
  margin-top: 18px;
  background: rgba(244, 162, 97, 0.15);
  border: 1px solid rgba(244, 162, 97, 0.3);
  color: var(--gold);
  padding: 4px 14px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
}
.how-bottom {
  max-width: 1200px;
  margin: 52px auto 0;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  padding: 32px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.how-bottom-text h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.how-bottom-text p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.9rem;
}
.how-bottom .btn-gold {
  background: var(--gold);
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s;
  white-space: nowrap;
}
.how-bottom .btn-gold:hover {
  background: #f0924a;
  transform: translateY(-1px);
}

/* ─── BENEFITS (enhanced) ─── */
.benefits-full-section {
  background: var(--off-white);
  padding: 90px 5%;
}
.benefits-full-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.benefits-full-header {
  text-align: center;
  margin-bottom: 60px;
}
.benefits-full-header .section-label {
  justify-content: center;
}
.benefits-full-header .section-desc {
  margin: 0 auto;
  text-align: center;
}
.benefits-top-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 28px;
}
.ben-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 22px;
  border: 1px solid var(--gray-light);
  text-align: center;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}
.ben-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
  border-color: var(--blue);
}
.ben-card.featured {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-color: transparent;
}
.ben-card.featured h3,
.ben-card.featured p {
  color: #fff;
}
.ben-card.featured p {
  color: rgba(255, 255, 255, 0.65);
}
.ben-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  background: var(--off-white);
}
.ben-card.featured .ben-icon {
  background: rgba(255, 255, 255, 0.1);
}
.ben-icon i {
  font-size: 1.4rem;
  color: var(--blue);
}
.ben-card.featured .ben-icon i {
  color: var(--gold);
}
.ben-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.ben-card p {
  font-size: 0.87rem;
  color: var(--gray);
  line-height: 1.6;
}

.benefits-bottom-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.ben-row-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-light);
  padding: 24px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  transition: all 0.25s;
}
.ben-row-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--blue);
  transform: translateX(4px);
}
.ben-row-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.ben-row-icon i {
  color: #fff;
  font-size: 1.1rem;
}
.ben-row-text h4 {
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}
.ben-row-text p {
  font-size: 0.87rem;
  color: var(--gray);
  line-height: 1.55;
}

/* ─── RESPONSIVE ADDITIONS ─── */
@media (max-width: 1024px) {
  .benefits-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 768px) {
  .about-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .about-float-badge {
    display: none;
  }
  .how-grid {
    grid-template-columns: 1fr;
  }
  .how-grid::before {
    display: none;
  }
  .how-bottom {
    flex-direction: column;
    text-align: center;
  }
  .benefits-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .benefits-bottom-grid {
    grid-template-columns: 1fr;
  }
  .about-highlights {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 480px) {
  .benefits-top-grid {
    grid-template-columns: 1fr;
  }
  .about-cta {
    flex-direction: column;
  }
}

/* Animations */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.hero-content > * {
  animation: fadeUp 0.6s ease both;
}
.hero-badge {
  animation-delay: 0.1s;
}
.hero-title {
  animation-delay: 0.2s;
}
.hero-desc {
  animation-delay: 0.3s;
}
.hero-btns {
  animation-delay: 0.4s;
}
.hero-stats {
  animation-delay: 0.5s;
}